Plains Commerce Bank in Alabama vs the state
5.7%Denial rate-14.18 pts vs state
8.1%Decision denial rate-16.92 pts vs state
64.5%Origination rate+9.15 pts vs state
6.50%Median rate0.00 pts vs state
0.43Rate spread (pts)+0.14 pts vs state
$106kMedian applicant income
182Loans originated
16Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 612 | 385 | 1.5% | 6.50% | #62 |
| 2024 | 381 | 227 | 2.9% | 6.75% | #93 |
| 2025 | 282 | 182 | 5.7% | 6.50% | #128 |
What Plains Commerce Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 50 | 36 | 2 | 4.0% |
| Baldwin County | 40 | 23 | 3 | 7.5% |
| Shelby County | 38 | 28 | 0 | 0.0% |
| Clarke County | 31 | 23 | 2 | 6.5% |
| Madison County | 22 | 11 | 1 | 4.5% |
| Mobile County | 20 | 11 | 1 | 5.0% |
| Marengo County | 8 | 6 | 0 | 0.0% |
| Marshall County | 7 | 2 | 2 | 28.6% |
| Tuscaloosa County | 5 | 4 | 0 | 0.0% |
| Morgan County | 5 | 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: 282 applications in 2025, of which 182 were originated and 16 denied.
5.7% of all applications, or 8.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Plains Commerce Bank originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Plains Commerce 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