GoodLeap in Alabama vs the state
22.5%Denial rate+2.61 pts vs state
25.8%Decision denial rate+0.75 pts vs state
47.5%Origination rate-7.85 pts vs state
6.99%Median rate+0.49 pts vs state
0.23Rate spread (pts)-0.05 pts vs state
$70kMedian applicant income
271Loans originated
128Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 57 | 22.9% | 5.99% | #154 |
| 2024 | 368 | 154 | 25.0% | 5.99% | #96 |
| 2025 | 570 | 271 | 22.5% | 6.99% | #77 |
What GoodLeap lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 98 | 43 | 23 | 23.5% |
| Madison County | 75 | 40 | 14 | 18.7% |
| Mobile County | 52 | 21 | 14 | 26.9% |
| Montgomery County | 35 | 17 | 6 | 17.1% |
| Morgan County | 25 | 13 | 4 | 16.0% |
| Limestone County | 20 | 11 | 2 | 10.0% |
| Lee County | 19 | 7 | 5 | 26.3% |
| Shelby County | 19 | 13 | 2 | 10.5% |
| Houston County | 17 | 5 | 7 | 41.2% |
| Baldwin County | 16 | 11 | 2 | 12.5% |
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: 570 applications in 2025, of which 271 were originated and 128 denied.
22.5% of all applications, or 25.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans GoodLeap originated in Alabama in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are GoodLeap'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