Hamilton Mortgage in Alabama vs the state
0.8%Denial rate-19.09 pts vs state
0.9%Decision denial rate-24.06 pts vs state
79.4%Origination rate+24.05 pts vs state
6.25%Median rate-0.25 pts vs state
0.38Rate spread (pts)+0.09 pts vs state
$76kMedian applicant income
313Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 346 | 282 | 2.3% | 6.75% | #93 |
| 2024 | 492 | 388 | 0.8% | 6.50% | #76 |
| 2025 | 394 | 313 | 0.8% | 6.25% | #101 |
What Hamilton Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Hamilton Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chilton County | 142 | 115 | 0 | 0.0% |
| Limestone County | 36 | 25 | 0 | 0.0% |
| Marshall County | 36 | 33 | 0 | 0.0% |
| Jefferson County | 29 | 17 | 0 | 0.0% |
| Shelby County | 25 | 17 | 1 | 4.0% |
| Madison County | 23 | 21 | 0 | 0.0% |
| Cullman County | 19 | 14 | 0 | 0.0% |
| Dallas County | 10 | 9 | 0 | 0.0% |
| St. Clair County | 9 | 7 | 0 | 0.0% |
| Mobile County | 9 | 8 | 1 | 11.1% |
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: 394 applications in 2025, of which 313 were originated and 3 denied.
0.8% of all applications, or 0.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Hamilton Mortgage originated in Alabama in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Hamilton 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