NobleBank & Trust in Alabama vs the state
17.0%Denial rate-2.87 pts vs state
18.0%Decision denial rate-7.00 pts vs state
71.7%Origination rate+16.31 pts vs state
7.50%Median rate+1.00 pts vs state
1.71Rate spread (pts)+1.42 pts vs state
$96kMedian applicant income
38Loans originated
9Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 67 | 11.8% | — | #222 |
| 2024 | 50 | 35 | 22.0% | — | #289 |
| 2025 | 53 | 38 | 17.0% | 7.50% | #301 |
What NobleBank & Trust lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most NobleBank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calhoun County | 28 | 21 | 4 | 14.3% |
| Cleburne County | 9 | 5 | 3 | 33.3% |
| Jefferson County | 6 | 5 | 1 | 16.7% |
| Shelby County | 3 | 3 | 0 | 0.0% |
| Cherokee County | 3 | 2 | 0 | 0.0% |
| St. Clair County | 1 | 0 | 0 | 0.0% |
| Talladega County | 1 | 1 | 0 | 0.0% |
| Randolph County | 1 | 0 | 1 | 100.0% |
| Baldwin 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: 53 applications in 2025, of which 38 were originated and 9 denied.
17.0% of all applications, or 18.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans NobleBank & Trust originated in Alabama in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are NobleBank & Trust'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