Guaranteed Rate in Alabama vs the state
9.8%Denial rate-10.03 pts vs state
17.3%Decision denial rate-7.68 pts vs state
45.0%Origination rate-10.36 pts vs state
6.58%Median rate+0.08 pts vs state
0.42Rate spread (pts)+0.13 pts vs state
$87kMedian applicant income
367Loans originated
80Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,150 | 659 | 5.0% | 6.50% | #37 |
| 2024 | 616 | 326 | 8.9% | 6.58% | #66 |
| 2025 | 815 | 367 | 9.8% | 6.58% | #54 |
What Guaranteed Rate lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 194 | 82 | 19 | 9.8% |
| Shelby County | 71 | 32 | 7 | 9.9% |
| Madison County | 68 | 31 | 8 | 11.8% |
| Baldwin County | 62 | 32 | 3 | 4.8% |
| St. Clair County | 37 | 20 | 1 | 2.7% |
| Lee County | 32 | 13 | 3 | 9.4% |
| Mobile County | 28 | 11 | 4 | 14.3% |
| Blount County | 25 | 12 | 1 | 4.0% |
| Montgomery County | 22 | 7 | 3 | 13.6% |
| Houston County | 22 | 11 | 3 | 13.6% |
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: 815 applications in 2025, of which 367 were originated and 80 denied.
9.8% of all applications, or 17.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Guaranteed Rate originated in Alabama in 2025 was 6.58%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate'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