Moria Development in Alabama vs the state
3.6%Denial rate-16.26 pts vs state
4.6%Decision denial rate-20.44 pts vs state
74.9%Origination rate+19.48 pts vs state
6.38%Median rate-0.13 pts vs state
0.20Rate spread (pts)-0.08 pts vs state
$80kMedian applicant income
292Loans originated
14Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 80 | 2.0% | 7.50% | #158 |
| 2024 | 400 | 287 | 2.5% | 6.63% | #88 |
| 2025 | 390 | 292 | 3.6% | 6.38% | #103 |
What Moria Development lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Moria Development applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Talladega County | 155 | 117 | 3 | 1.9% |
| Jefferson County | 45 | 36 | 2 | 4.4% |
| Tuscaloosa County | 41 | 29 | 4 | 9.8% |
| Tallapoosa County | 34 | 28 | 0 | 0.0% |
| Shelby County | 26 | 15 | 3 | 11.5% |
| Clay County | 16 | 13 | 0 | 0.0% |
| Coosa County | 15 | 12 | 0 | 0.0% |
| Sumter County | 7 | 4 | 0 | 0.0% |
| St. Clair County | 6 | 2 | 0 | 0.0% |
| Elmore County | 6 | 4 | 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: 390 applications in 2025, of which 292 were originated and 14 denied.
3.6% of all applications, or 4.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Moria Development originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Moria Development'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