Home Loan Investment Bank in Alabama vs the state
25.0%Denial rate+5.15 pts vs state
40.0%Decision denial rate+15.00 pts vs state
37.5%Origination rate-17.89 pts vs state
6.95%Median rate+0.45 pts vs state
3.63Rate spread (pts)+3.34 pts vs state
$98kMedian applicant income
3Loans originated
2Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 7 | 21.4% | 8.95% | #413 |
| 2024 | 13 | 1 | 53.9% | 8.95% | #434 |
| 2025 | 8 | 3 | 25.0% | 6.95% | #502 |
What Home Loan Investment Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blount County | 2 | 0 | 0 | 0.0% |
| Mobile County | 1 | 1 | 0 | 0.0% |
| Tuscaloosa County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 0 | 0 | 0.0% |
| Elmore County | 1 | 0 | 1 | 100.0% |
| Marshall County | 1 | 1 | 0 | 0.0% |
| Perry County | 1 | 0 | 1 | 100.0% |
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: 8 applications in 2025, of which 3 were originated and 2 denied.
25.0% of all applications, or 40.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Home Loan Investment Bank originated in Alabama in 2025 was 6.95%, against a statewide median of 6.50%.
About this data. Figures are Home Loan Investment Bank'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