PHH Mortgage in Alabama vs the state
6.8%Denial rate-13.07 pts vs state
9.6%Decision denial rate-15.43 pts vs state
63.2%Origination rate+7.85 pts vs state
6.49%Median rate-0.01 pts vs state
0.10Rate spread (pts)-0.19 pts vs state
$98kMedian applicant income
289Loans originated
31Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 146 | 70 | 23.3% | 6.99% | #162 |
| 2024 | 235 | 101 | 8.9% | 6.63% | #126 |
| 2025 | 457 | 289 | 6.8% | 6.49% | #86 |
What PHH Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 61 | 25 | 11 | 18.0% |
| Lee County | 45 | 34 | 2 | 4.4% |
| Tallapoosa County | 31 | 27 | 2 | 6.5% |
| Madison County | 29 | 16 | 4 | 13.8% |
| Mobile County | 25 | 20 | 0 | 0.0% |
| Baldwin County | 23 | 17 | 1 | 4.3% |
| Elmore County | 22 | 18 | 0 | 0.0% |
| Montgomery County | 22 | 17 | 1 | 4.5% |
| Lauderdale County | 21 | 18 | 0 | 0.0% |
| Houston County | 21 | 19 | 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: 457 applications in 2025, of which 289 were originated and 31 denied.
6.8% of all applications, or 9.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans PHH Mortgage originated in Alabama in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are PHH 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