Residential Wholesale Mortgage in Alabama vs the state
7.8%Denial rate-12.01 pts vs state
11.1%Decision denial rate-13.89 pts vs state
62.8%Origination rate+7.36 pts vs state
6.38%Median rate-0.13 pts vs state
0.29Rate spread (pts)0.00 pts vs state
$102kMedian applicant income
32Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 43 | 23 | 16.3% | 6.63% | #313 |
| 2025 | 51 | 32 | 7.8% | 6.38% | #311 |
What Residential Wholesale Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Residential Wholesale Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 14 | 9 | 0 | 0.0% |
| Jefferson County | 13 | 7 | 0 | 0.0% |
| Madison County | 4 | 3 | 0 | 0.0% |
| Talladega County | 4 | 1 | 3 | 75.0% |
| Calhoun County | 3 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 0 | 1 | 50.0% |
| Limestone County | 2 | 2 | 0 | 0.0% |
| Baldwin County | 2 | 2 | 0 | 0.0% |
| Lauderdale County | 2 | 1 | 0 | 0.0% |
| Clay County | 1 | 1 | 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: 51 applications in 2025, of which 32 were originated and 4 denied.
7.8% of all applications, or 11.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Residential Wholesale Mortgage originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Residential Wholesale 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