Lima One Capital in Alabama vs the state
13.7%Denial rate-6.15 pts vs state
18.5%Decision denial rate-6.48 pts vs state
60.3%Origination rate+4.88 pts vs state
7.45%Median rate+0.95 pts vs state
—Rate spread (pts)
—Median applicant income
44Loans originated
10Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 78 | 0.0% | 9.45% | #236 |
| 2024 | 152 | 105 | 15.1% | 8.65% | #171 |
| 2025 | 73 | 44 | 13.7% | 7.45% | #261 |
What Lima One Capital lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 23 | 12 | 7 | 30.4% |
| Mobile County | 12 | 7 | 0 | 0.0% |
| Madison County | 9 | 7 | 0 | 0.0% |
| Macon County | 6 | 1 | 2 | 33.3% |
| Baldwin County | 5 | 2 | 0 | 0.0% |
| Chilton County | 4 | 2 | 0 | 0.0% |
| Russell County | 3 | 2 | 1 | 33.3% |
| Dale County | 2 | 2 | 0 | 0.0% |
| Autauga County | 2 | 2 | 0 | 0.0% |
| Limestone County | 2 | 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: 73 applications in 2025, of which 44 were originated and 10 denied.
13.7% of all applications, or 18.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Lima One Capital originated in Alabama in 2025 was 7.45%, against a statewide median of 6.50%.
About this data. Figures are Lima One Capital'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