Kind Lending in Alabama vs the state
21.4%Denial rate+1.55 pts vs state
24.1%Decision denial rate-0.92 pts vs state
67.0%Origination rate+11.59 pts vs state
6.38%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.03 pts vs state
$89kMedian applicant income
576Loans originated
184Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 68 | 18.9% | 6.50% | #191 |
| 2024 | 137 | 85 | 27.7% | 6.63% | #184 |
| 2025 | 860 | 576 | 21.4% | 6.38% | #52 |
What Kind Lending lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 141 | 87 | 38 | 27.0% |
| Baldwin County | 125 | 86 | 29 | 23.2% |
| Etowah County | 96 | 69 | 13 | 13.5% |
| Madison County | 53 | 34 | 12 | 22.6% |
| Jefferson County | 47 | 25 | 13 | 27.7% |
| DeKalb County | 33 | 20 | 3 | 9.1% |
| Morgan County | 30 | 21 | 9 | 30.0% |
| Marshall County | 28 | 19 | 7 | 25.0% |
| Calhoun County | 27 | 17 | 3 | 11.1% |
| Talladega County | 25 | 13 | 8 | 32.0% |
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: 860 applications in 2025, of which 576 were originated and 184 denied.
21.4% of all applications, or 24.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Kind Lending originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Kind Lending'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