Prosperity Home Mortgage in Alabama vs the state
8.5%Denial rate-11.34 pts vs state
10.8%Decision denial rate-14.21 pts vs state
69.5%Origination rate+14.11 pts vs state
6.50%Median rate0.00 pts vs state
0.26Rate spread (pts)-0.03 pts vs state
$91kMedian applicant income
547Loans originated
67Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 775 | 536 | 10.3% | 6.88% | #52 |
| 2024 | 733 | 519 | 12.0% | 6.63% | #58 |
| 2025 | 787 | 547 | 8.5% | 6.50% | #59 |
What Prosperity Home Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 243 | 175 | 19 | 7.8% |
| Shelby County | 169 | 124 | 6 | 3.6% |
| Mobile County | 48 | 31 | 6 | 12.5% |
| St. Clair County | 40 | 32 | 3 | 7.5% |
| Blount County | 36 | 25 | 3 | 8.3% |
| Baldwin County | 33 | 22 | 3 | 9.1% |
| Walker County | 32 | 23 | 2 | 6.3% |
| Tuscaloosa County | 30 | 17 | 3 | 10.0% |
| Cullman County | 24 | 15 | 3 | 12.5% |
| Chilton County | 19 | 12 | 6 | 31.6% |
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: 787 applications in 2025, of which 547 were originated and 67 denied.
8.5% of all applications, or 10.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Prosperity Home Mortgage originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Prosperity 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