Guild Mortgage in Alabama vs the state
3.8%Denial rate-16.02 pts vs state
4.8%Decision denial rate-20.20 pts vs state
69.0%Origination rate+13.61 pts vs state
6.50%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.09 pts vs state
$84kMedian applicant income
1,892Loans originated
105Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,974 | 1,367 | 4.6% | 6.63% | #22 |
| 2024 | 2,426 | 1,678 | 3.5% | 6.63% | #16 |
| 2025 | 2,742 | 1,892 | 3.8% | 6.50% | #15 |
What Guild Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 555 | 394 | 13 | 2.3% |
| Jefferson County | 346 | 230 | 12 | 3.5% |
| Elmore County | 211 | 171 | 5 | 2.4% |
| Shelby County | 175 | 113 | 8 | 4.6% |
| Baldwin County | 165 | 108 | 16 | 9.7% |
| Autauga County | 161 | 119 | 5 | 3.1% |
| Lee County | 147 | 108 | 0 | 0.0% |
| Cullman County | 116 | 81 | 6 | 5.2% |
| Etowah County | 99 | 58 | 7 | 7.1% |
| Mobile County | 81 | 52 | 2 | 2.5% |
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: 2,742 applications in 2025, of which 1,892 were originated and 105 denied.
3.8% of all applications, or 4.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Guild Mortgage originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Guild Mortgage'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