Reliance First Capital in Alabama vs the state
2.7%Denial rate-17.17 pts vs state
4.5%Decision denial rate-20.52 pts vs state
54.5%Origination rate-0.93 pts vs state
6.50%Median rate0.00 pts vs state
0.55Rate spread (pts)+0.27 pts vs state
$70kMedian applicant income
61Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 142 | 112 | 2.1% | 6.50% | #167 |
| 2024 | 146 | 106 | 7.5% | 6.75% | #177 |
| 2025 | 112 | 61 | 2.7% | 6.50% | #218 |
What Reliance First Capital lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscaloosa County | 54 | 19 | 0 | 0.0% |
| Hale County | 7 | 5 | 0 | 0.0% |
| Shelby County | 5 | 4 | 0 | 0.0% |
| Mobile County | 5 | 5 | 0 | 0.0% |
| Jefferson County | 5 | 3 | 0 | 0.0% |
| Talladega County | 4 | 1 | 1 | 25.0% |
| Madison County | 3 | 1 | 1 | 33.3% |
| Baldwin County | 2 | 2 | 0 | 0.0% |
| Limestone County | 2 | 1 | 0 | 0.0% |
| Russell County | 2 | 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: 112 applications in 2025, of which 61 were originated and 3 denied.
2.7% of all applications, or 4.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Reliance First Capital originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Reliance First Capital'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