Nations Direct Mortgage in Alabama vs the state
15.1%Denial rate-4.78 pts vs state
22.0%Decision denial rate-3.00 pts vs state
53.4%Origination rate-1.97 pts vs state
6.49%Median rate-0.01 pts vs state
0.12Rate spread (pts)-0.17 pts vs state
$84kMedian applicant income
39Loans originated
11Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 17 | 8.3% | 6.99% | #317 |
| 2024 | 76 | 46 | 6.6% | 6.63% | #250 |
| 2025 | 73 | 39 | 15.1% | 6.49% | #262 |
What Nations Direct Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 38 | 22 | 3 | 7.9% |
| Madison County | 16 | 9 | 3 | 18.8% |
| Mobile County | 7 | 3 | 1 | 14.3% |
| Limestone County | 3 | 0 | 2 | 66.7% |
| Lee County | 1 | 0 | 0 | 0.0% |
| Chambers County | 1 | 0 | 1 | 100.0% |
| Walker County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Houston County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 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 39 were originated and 11 denied.
15.1% of all applications, or 22.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Nations Direct Mortgage originated in Alabama in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Nations Direct Mortgage'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