Rocket Mortgage in Alabama vs the state
20.5%Denial rate+0.65 pts vs state
22.4%Decision denial rate-2.64 pts vs state
68.1%Origination rate+12.71 pts vs state
6.63%Median rate+0.13 pts vs state
0.63Rate spread (pts)+0.35 pts vs state
$83kMedian applicant income
6,770Loans originated
2,038Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,872 | 4,781 | 20.2% | 6.50% | #3 |
| 2024 | 8,025 | 5,649 | 19.7% | 6.63% | #3 |
| 2025 | 9,941 | 6,770 | 20.5% | 6.63% | #2 |
What Rocket Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,019 | 674 | 229 | 22.5% |
| Madison County | 1,011 | 739 | 153 | 15.1% |
| Mobile County | 854 | 596 | 174 | 20.4% |
| Baldwin County | 785 | 556 | 142 | 18.1% |
| Shelby County | 484 | 355 | 77 | 15.9% |
| Lee County | 376 | 275 | 56 | 14.9% |
| Montgomery County | 364 | 223 | 86 | 23.6% |
| Limestone County | 325 | 225 | 64 | 19.7% |
| Morgan County | 291 | 219 | 46 | 15.8% |
| Tuscaloosa County | 291 | 184 | 76 | 26.1% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| 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: 9,941 applications in 2025, of which 6,770 were originated and 2,038 denied.
20.5% of all applications, or 22.4% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Rocket Mortgage originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Rocket 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