Manufacturers and Traders Trust in Alabama vs the state
24.7%Denial rate+4.88 pts vs state
35.4%Decision denial rate+10.38 pts vs state
44.1%Origination rate-11.30 pts vs state
6.25%Median rate-0.25 pts vs state
0.42Rate spread (pts)+0.13 pts vs state
$90kMedian applicant income
41Loans originated
23Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 45 | 23.2% | 6.63% | #203 |
| 2024 | 81 | 39 | 13.6% | 5.88% | #240 |
| 2025 | 93 | 41 | 24.7% | 6.25% | #238 |
What Manufacturers and Traders Trust lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 13 | 3 | 5 | 38.5% |
| Mobile County | 12 | 5 | 3 | 25.0% |
| Montgomery County | 8 | 4 | 2 | 25.0% |
| Madison County | 8 | 6 | 0 | 0.0% |
| Shelby County | 7 | 3 | 2 | 28.6% |
| Baldwin County | 6 | 4 | 0 | 0.0% |
| Tuscaloosa County | 5 | 3 | 1 | 20.0% |
| Calhoun County | 4 | 2 | 1 | 25.0% |
| Autauga County | 4 | 2 | 1 | 25.0% |
| Limestone County | 4 | 2 | 1 | 25.0% |
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: 93 applications in 2025, of which 41 were originated and 23 denied.
24.7% of all applications, or 35.4% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Manufacturers and Traders Trust originated in Alabama in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Manufacturers and Traders Trust'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