Lendingone in Alabama vs the state
24.2%Denial rate+4.35 pts vs state
57.9%Decision denial rate+32.85 pts vs state
17.6%Origination rate-37.75 pts vs state
7.15%Median rate+0.65 pts vs state
—Rate spread (pts)
—Median applicant income
94Loans originated
129Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 317 | 111 | 51.1% | 7.62% | #100 |
| 2024 | 282 | 122 | 46.8% | 7.39% | #110 |
| 2025 | 533 | 94 | 24.2% | 7.15% | #81 |
What Lendingone lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 142 | 9 | 39 | 27.5% |
| Madison County | 104 | 31 | 17 | 16.3% |
| Montgomery County | 71 | 22 | 26 | 36.6% |
| Mobile County | 54 | 6 | 13 | 24.1% |
| Morgan County | 28 | 11 | 6 | 21.4% |
| Baldwin County | 23 | 3 | 5 | 21.7% |
| Tuscaloosa County | 14 | 1 | 3 | 21.4% |
| Shelby County | 13 | 2 | 3 | 23.1% |
| Russell County | 7 | 0 | 2 | 28.6% |
| Coffee County | 7 | 0 | 2 | 28.6% |
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: 533 applications in 2025, of which 94 were originated and 129 denied.
24.2% of all applications, or 57.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Lendingone originated in Alabama in 2025 was 7.15%, against a statewide median of 6.50%.
About this data. Figures are Lendingone'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