Homeamerican Mortgage in Alabama vs the state
17.3%Denial rate-2.54 pts vs state
18.8%Decision denial rate-6.25 pts vs state
71.2%Origination rate+15.76 pts vs state
4.63%Median rate-1.88 pts vs state
-1.93Rate spread (pts)-2.22 pts vs state
$90kMedian applicant income
37Loans originated
9Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 37 | 27 | 8.1% | 4.38% | #328 |
| 2025 | 52 | 37 | 17.3% | 4.63% | #303 |
What Homeamerican Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 52 | 37 | 9 | 17.3% |
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: 52 applications in 2025, of which 37 were originated and 9 denied.
17.3% of all applications, or 18.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Homeamerican Mortgage originated in Alabama in 2025 was 4.63%, against a statewide median of 6.50%.
About this data. Figures are Homeamerican 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