Plaza Home Mortgage in Alabama vs the state
28.9%Denial rate+9.07 pts vs state
32.5%Decision denial rate+7.54 pts vs state
59.0%Origination rate+3.65 pts vs state
6.63%Median rate+0.13 pts vs state
0.39Rate spread (pts)+0.10 pts vs state
$86kMedian applicant income
196Loans originated
96Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 32 | 24.2% | 6.63% | #214 |
| 2024 | 213 | 115 | 31.9% | 7.25% | #140 |
| 2025 | 332 | 196 | 28.9% | 6.63% | #110 |
What Plaza Home Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 47 | 33 | 11 | 23.4% |
| Jefferson County | 43 | 23 | 13 | 30.2% |
| Mobile County | 26 | 10 | 13 | 50.0% |
| Shelby County | 18 | 13 | 3 | 16.7% |
| Baldwin County | 17 | 12 | 5 | 29.4% |
| Limestone County | 15 | 10 | 1 | 6.7% |
| Montgomery County | 14 | 8 | 4 | 28.6% |
| Cullman County | 14 | 8 | 2 | 14.3% |
| Houston County | 13 | 5 | 6 | 46.2% |
| Morgan County | 12 | 8 | 2 | 16.7% |
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: 332 applications in 2025, of which 196 were originated and 96 denied.
28.9% of all applications, or 32.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Plaza Home Mortgage originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Plaza 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