Regions Bank in Alabama vs the state
37.2%Denial rate+17.38 pts vs state
40.9%Decision denial rate+15.87 pts vs state
46.5%Origination rate-8.86 pts vs state
4.99%Median rate-1.51 pts vs state
-1.86Rate spread (pts)-2.15 pts vs state
$82kMedian applicant income
5,523Loans originated
4,420Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,681 | 5,725 | 38.5% | 8.13% | #1 |
| 2024 | 11,994 | 5,486 | 38.8% | 6.99% | #1 |
| 2025 | 11,871 | 5,523 | 37.2% | 4.99% | #1 |
What Regions Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Regions Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2,509 | 1,098 | 966 | 38.5% |
| Shelby County | 1,139 | 623 | 310 | 27.2% |
| Mobile County | 1,086 | 504 | 409 | 37.7% |
| Madison County | 1,040 | 507 | 351 | 33.8% |
| Baldwin County | 778 | 386 | 244 | 31.4% |
| Montgomery County | 495 | 179 | 245 | 49.5% |
| Tuscaloosa County | 470 | 251 | 153 | 32.6% |
| Limestone County | 294 | 136 | 106 | 36.1% |
| Calhoun County | 273 | 110 | 127 | 46.5% |
| Etowah County | 249 | 114 | 107 | 43.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Trustmark National Bank | C | 3,443 | 10.3% | 6.50% |
Frequently asked questions
Alabama: 11,871 applications in 2025, of which 5,523 were originated and 4,420 denied.
37.2% of all applications, or 40.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Regions Bank originated in Alabama in 2025 was 4.99%, against a statewide median of 6.50%.
About this data. Figures are Regions 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