Homeowners Financial Group USA in Alabama vs the state
5.9%Denial rate-13.97 pts vs state
7.9%Decision denial rate-17.11 pts vs state
68.6%Origination rate+13.24 pts vs state
6.38%Median rate-0.13 pts vs state
0.07Rate spread (pts)-0.22 pts vs state
$105kMedian applicant income
35Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 146 | 95 | 6.2% | 6.88% | #161 |
| 2024 | 128 | 68 | 16.4% | 6.63% | #189 |
| 2025 | 51 | 35 | 5.9% | 6.38% | #309 |
What Homeowners Financial Group USA lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Homeowners Financial Group USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 18 | 13 | 1 | 5.6% |
| Limestone County | 8 | 6 | 0 | 0.0% |
| Jackson County | 4 | 1 | 0 | 0.0% |
| St. Clair County | 3 | 3 | 0 | 0.0% |
| Marion County | 2 | 1 | 0 | 0.0% |
| Tallapoosa County | 2 | 2 | 0 | 0.0% |
| Lauderdale County | 2 | 1 | 0 | 0.0% |
| Lee County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Lawrence 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: 51 applications in 2025, of which 35 were originated and 3 denied.
5.9% of all applications, or 7.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Homeowners Financial Group USA originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Homeowners Financial Group USA'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