Guaranteed Rate Affinity in Alabama vs the state
1.9%Denial rate-17.96 pts vs state
2.4%Decision denial rate-22.62 pts vs state
77.4%Origination rate+21.97 pts vs state
6.25%Median rate-0.25 pts vs state
0.02Rate spread (pts)-0.27 pts vs state
$146kMedian applicant income
41Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 41 | 10.3% | 6.75% | #249 |
| 2024 | 55 | 38 | 1.8% | 6.37% | #280 |
| 2025 | 53 | 41 | 1.9% | 6.25% | #299 |
What Guaranteed Rate Affinity lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 12 | 11 | 0 | 0.0% |
| Baldwin County | 12 | 7 | 1 | 8.3% |
| Coffee County | 4 | 3 | 0 | 0.0% |
| Mobile County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
| Marshall County | 2 | 0 | 0 | 0.0% |
| Elmore County | 2 | 1 | 0 | 0.0% |
| Covington County | 2 | 1 | 0 | 0.0% |
| Talladega County | 1 | 1 | 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: 53 applications in 2025, of which 41 were originated and 1 denied.
1.9% of all applications, or 2.4% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Guaranteed Rate Affinity originated in Alabama in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate Affinity'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