LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Alabama vs the state
12.0%Denial rate-7.90 pts vs state
18.1%Decision denial rate-6.90 pts vs state
40.9%Origination rate-14.51 pts vs state
6.00%Median rate-0.50 pts vs state
-0.19Rate spread (pts)-0.48 pts vs state
$152kMedian applicant income
65Loans originated
19Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 13 | 3.3% | 6.88% | #338 |
| 2024 | 49 | 23 | 14.3% | 6.50% | #293 |
| 2025 | 159 | 65 | 12.0% | 6.00% | #174 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 29 | 11 | 4 | 13.8% |
| Jefferson County | 22 | 10 | 2 | 9.1% |
| Baldwin County | 15 | 7 | 3 | 20.0% |
| Shelby County | 15 | 7 | 1 | 6.7% |
| Limestone County | 10 | 6 | 0 | 0.0% |
| Lee County | 8 | 4 | 1 | 12.5% |
| Mobile County | 6 | 2 | 0 | 0.0% |
| Morgan County | 6 | 2 | 1 | 16.7% |
| Lauderdale County | 5 | 2 | 1 | 20.0% |
| Tuscaloosa County | 5 | 2 | 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: 159 applications in 2025, of which 65 were originated and 19 denied.
12.0% of all applications, or 18.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Alabama in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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