Geneva Financial in Alabama vs the state
3.8%Denial rate-16.03 pts vs state
5.8%Decision denial rate-19.23 pts vs state
62.4%Origination rate+7.03 pts vs state
6.63%Median rate+0.13 pts vs state
0.67Rate spread (pts)+0.38 pts vs state
$68kMedian applicant income
98Loans originated
6Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 39 | 4.7% | 7.50% | #256 |
| 2024 | 56 | 30 | 1.8% | 6.75% | #277 |
| 2025 | 157 | 98 | 3.8% | 6.63% | #177 |
What Geneva Financial lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 72 | 51 | 4 | 5.6% |
| Baldwin County | 18 | 6 | 0 | 0.0% |
| Houston County | 9 | 8 | 0 | 0.0% |
| Barbour County | 8 | 4 | 0 | 0.0% |
| Chambers County | 5 | 3 | 0 | 0.0% |
| Shelby County | 5 | 2 | 0 | 0.0% |
| Madison County | 4 | 3 | 0 | 0.0% |
| Lamar County | 4 | 1 | 2 | 50.0% |
| Escambia County | 4 | 3 | 0 | 0.0% |
| Montgomery County | 3 | 3 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 157 applications in 2025, of which 98 were originated and 6 denied.
3.8% of all applications, or 5.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Geneva Financial originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Geneva Financial's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology