RPE Home in Alabama vs the state
10.3%Denial rate-9.59 pts vs state
14.8%Decision denial rate-10.19 pts vs state
56.4%Origination rate+1.02 pts vs state
10.68%Median rate+4.18 pts vs state
—Rate spread (pts)
—Median applicant income
22Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 212 | 47 | 33.0% | 12.00% | #141 |
| 2025 | 39 | 22 | 10.3% | 10.68% | #334 |
What RPE Home lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most RPE Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 10 | 5 | 1 | 10.0% |
| Montgomery County | 9 | 7 | 0 | 0.0% |
| Madison County | 7 | 7 | 0 | 0.0% |
| Mobile County | 5 | 1 | 0 | 0.0% |
| Baldwin County | 2 | 1 | 0 | 0.0% |
| Macon County | 1 | 0 | 0 | 0.0% |
| Walker County | 1 | 1 | 0 | 0.0% |
| Clarke County | 1 | 0 | 1 | 100.0% |
| Morgan County | 1 | 0 | 1 | 100.0% |
| Lauderdale County | 1 | 0 | 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: 39 applications in 2025, of which 22 were originated and 4 denied.
10.3% of all applications, or 14.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans RPE Home originated in Alabama in 2025 was 10.68%, against a statewide median of 6.50%.
About this data. Figures are RPE Home'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