Leaderone Financial in Alabama vs the state
18.7%Denial rate-1.19 pts vs state
25.7%Decision denial rate+0.74 pts vs state
53.6%Origination rate-1.80 pts vs state
6.63%Median rate+0.13 pts vs state
0.76Rate spread (pts)+0.47 pts vs state
$74kMedian applicant income
224Loans originated
78Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 162 | 117 | 11.7% | 6.63% | #150 |
| 2024 | 247 | 151 | 13.4% | 6.88% | #120 |
| 2025 | 418 | 224 | 18.7% | 6.63% | #97 |
What Leaderone Financial lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Leaderone Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 111 | 53 | 19 | 17.1% |
| Shelby County | 60 | 29 | 14 | 23.3% |
| Marion County | 40 | 24 | 5 | 12.5% |
| Walker County | 38 | 19 | 8 | 21.1% |
| Fayette County | 36 | 18 | 6 | 16.7% |
| Montgomery County | 18 | 9 | 7 | 38.9% |
| St. Clair County | 14 | 10 | 2 | 14.3% |
| Lamar County | 13 | 8 | 3 | 23.1% |
| Chilton County | 9 | 5 | 2 | 22.2% |
| Tuscaloosa County | 9 | 6 | 2 | 22.2% |
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: 418 applications in 2025, of which 224 were originated and 78 denied.
18.7% of all applications, or 25.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Leaderone Financial originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Leaderone Financial'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