Home Mortgage Alliance Corporation (HMAC) in Alabama vs the state
11.1%Denial rate-8.74 pts vs state
25.0%Decision denial rate0.00 pts vs state
33.3%Origination rate-22.06 pts vs state
6.88%Median rate+0.38 pts vs state
0.74Rate spread (pts)+0.45 pts vs state
$48kMedian applicant income
3Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 7 | 17.4% | 7.88% | #362 |
| 2024 | 28 | 15 | 3.6% | 6.38% | #348 |
| 2025 | 9 | 3 | 11.1% | 6.88% | #493 |
What Home Mortgage Alliance Corporation (HMAC) lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 2 | 0 | 0 | 0.0% |
| Calhoun County | 2 | 0 | 0 | 0.0% |
| Mobile County | 1 | 0 | 0 | 0.0% |
| DeKalb County | 1 | 0 | 1 | 100.0% |
| Cullman County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Jefferson 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: 9 applications in 2025, of which 3 were originated and 1 denied.
11.1% of all applications, or 25.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Alabama in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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