Nexera Holding in Alabama vs the state
9.6%Denial rate-10.23 pts vs state
17.2%Decision denial rate-7.76 pts vs state
46.2%Origination rate-9.24 pts vs state
7.25%Median rate+0.75 pts vs state
0.98Rate spread (pts)+0.69 pts vs state
$155kMedian applicant income
24Loans originated
5Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 13 | 9.7% | 8.50% | #335 |
| 2024 | 45 | 24 | 8.9% | 7.94% | #306 |
| 2025 | 52 | 24 | 9.6% | 7.25% | #305 |
What Nexera Holding lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Nexera Holding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 12 | 5 | 1 | 8.3% |
| Jefferson County | 7 | 3 | 2 | 28.6% |
| Madison County | 6 | 6 | 0 | 0.0% |
| Tallapoosa County | 4 | 0 | 0 | 0.0% |
| Morgan County | 2 | 0 | 1 | 50.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Lauderdale County | 2 | 1 | 0 | 0.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| Cleburne County | 2 | 0 | 1 | 50.0% |
| Tuscaloosa County | 2 | 2 | 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: 52 applications in 2025, of which 24 were originated and 5 denied.
9.6% of all applications, or 17.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Nexera Holding originated in Alabama in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Nexera Holding'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