Mortgage Right in Alabama vs the state
3.3%Denial rate-16.56 pts vs state
4.0%Decision denial rate-20.96 pts vs state
78.2%Origination rate+22.84 pts vs state
6.50%Median rate0.00 pts vs state
0.38Rate spread (pts)+0.10 pts vs state
$96kMedian applicant income
309Loans originated
13Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 526 | 346 | 3.4% | 6.75% | #67 |
| 2024 | 381 | 296 | 3.2% | 6.63% | #94 |
| 2025 | 395 | 309 | 3.3% | 6.50% | #99 |
What Mortgage Right lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Mortgage Right applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 103 | 78 | 2 | 1.9% |
| Shelby County | 81 | 65 | 3 | 3.7% |
| Marshall County | 59 | 52 | 1 | 1.7% |
| St. Clair County | 20 | 11 | 0 | 0.0% |
| Baldwin County | 19 | 12 | 2 | 10.5% |
| Mobile County | 19 | 12 | 3 | 15.8% |
| Etowah County | 17 | 15 | 0 | 0.0% |
| DeKalb County | 10 | 9 | 1 | 10.0% |
| Lee County | 9 | 9 | 0 | 0.0% |
| Blount County | 8 | 8 | 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: 395 applications in 2025, of which 309 were originated and 13 denied.
3.3% of all applications, or 4.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Mortgage Right originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Mortgage Right'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