NBKC Bank in Alabama vs the state
11.7%Denial rate-8.16 pts vs state
15.0%Decision denial rate-10.00 pts vs state
64.9%Origination rate+9.55 pts vs state
6.13%Median rate-0.38 pts vs state
-0.22Rate spread (pts)-0.51 pts vs state
$132kMedian applicant income
100Loans originated
18Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 78 | 8.9% | 6.13% | #174 |
| 2024 | 162 | 101 | 8.0% | 6.13% | #166 |
| 2025 | 154 | 100 | 11.7% | 6.13% | #179 |
What NBKC Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 23 | 18 | 2 | 8.7% |
| Jefferson County | 18 | 9 | 2 | 11.1% |
| Madison County | 17 | 14 | 1 | 5.9% |
| Shelby County | 14 | 8 | 1 | 7.1% |
| Coffee County | 9 | 6 | 1 | 11.1% |
| Mobile County | 8 | 5 | 2 | 25.0% |
| Lee County | 8 | 6 | 0 | 0.0% |
| Montgomery County | 8 | 3 | 2 | 25.0% |
| Limestone County | 8 | 6 | 0 | 0.0% |
| Elmore County | 3 | 3 | 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: 154 applications in 2025, of which 100 were originated and 18 denied.
11.7% of all applications, or 15.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans NBKC Bank originated in Alabama in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are NBKC Bank'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