Homexpress Mortgage in Alabama vs the state
41.3%Denial rate+21.47 pts vs state
42.1%Decision denial rate+17.07 pts vs state
56.3%Origination rate+0.90 pts vs state
7.50%Median rate+1.00 pts vs state
1.00Rate spread (pts)+0.72 pts vs state
$154kMedian applicant income
188Loans originated
138Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 28 | 40.4% | 8.75% | #287 |
| 2024 | 114 | 65 | 41.2% | 7.63% | #202 |
| 2025 | 334 | 188 | 41.3% | 7.50% | #108 |
What Homexpress Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 68 | 37 | 31 | 45.6% |
| Madison County | 49 | 24 | 25 | 51.0% |
| Baldwin County | 46 | 31 | 14 | 30.4% |
| Morgan County | 30 | 16 | 14 | 46.7% |
| Mobile County | 23 | 10 | 13 | 56.5% |
| Chilton County | 19 | 11 | 2 | 10.5% |
| Montgomery County | 18 | 14 | 4 | 22.2% |
| Cullman County | 13 | 9 | 4 | 30.8% |
| Shelby County | 12 | 6 | 6 | 50.0% |
| Limestone County | 12 | 8 | 4 | 33.3% |
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: 334 applications in 2025, of which 188 were originated and 138 denied.
41.3% of all applications, or 42.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Homexpress Mortgage originated in Alabama in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Homexpress 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