Royal United Mortgage in Alabama vs the state
24.8%Denial rate+4.94 pts vs state
29.0%Decision denial rate+4.00 pts vs state
59.4%Origination rate+4.01 pts vs state
7.00%Median rate+0.50 pts vs state
1.14Rate spread (pts)+0.85 pts vs state
$40kMedian applicant income
139Loans originated
58Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 223 | 126 | 26.5% | 7.13% | #119 |
| 2024 | 281 | 176 | 25.3% | 7.00% | #112 |
| 2025 | 234 | 139 | 24.8% | 7.00% | #141 |
What Royal United Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 32 | 19 | 8 | 25.0% |
| Mobile County | 20 | 12 | 4 | 20.0% |
| Montgomery County | 17 | 10 | 5 | 29.4% |
| Etowah County | 11 | 8 | 2 | 18.2% |
| Morgan County | 11 | 6 | 3 | 27.3% |
| Houston County | 9 | 5 | 2 | 22.2% |
| Colbert County | 8 | 4 | 2 | 25.0% |
| Baldwin County | 7 | 4 | 1 | 14.3% |
| Madison County | 7 | 4 | 2 | 28.6% |
| Tuscaloosa County | 6 | 4 | 1 | 16.7% |
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: 234 applications in 2025, of which 139 were originated and 58 denied.
24.8% of all applications, or 29.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Royal United Mortgage originated in Alabama in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Royal United 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