Onward Home Mortgage in Alabama vs the state
7.9%Denial rate-11.96 pts vs state
13.0%Decision denial rate-11.96 pts vs state
52.6%Origination rate-2.76 pts vs state
6.50%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.01 pts vs state
$73kMedian applicant income
20Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 10 | 6.3% | 7.63% | #402 |
| 2024 | 18 | 12 | 5.6% | 6.75% | #391 |
| 2025 | 38 | 20 | 7.9% | 6.50% | #338 |
What Onward Home Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Onward Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 23 | 12 | 2 | 8.7% |
| Mobile County | 4 | 0 | 1 | 25.0% |
| Coffee County | 2 | 1 | 0 | 0.0% |
| Autauga County | 2 | 1 | 0 | 0.0% |
| Limestone County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Cleburne County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Henry 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: 38 applications in 2025, of which 20 were originated and 3 denied.
7.9% of all applications, or 13.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Onward Home Mortgage originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Onward Home 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