Sierra Pacific Mortgage Company in Alabama vs the state
3.9%Denial rate-16.00 pts vs state
5.9%Decision denial rate-19.12 pts vs state
57.7%Origination rate+2.30 pts vs state
6.88%Median rate+0.38 pts vs state
0.26Rate spread (pts)-0.03 pts vs state
$110kMedian applicant income
15Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 10 | 38.9% | 6.56% | #389 |
| 2024 | 28 | 20 | 21.4% | 6.50% | #347 |
| 2025 | 26 | 15 | 3.9% | 6.88% | #373 |
What Sierra Pacific Mortgage Company lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 6 | 4 | 0 | 0.0% |
| Mobile County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 3 | 2 | 0 | 0.0% |
| Tallapoosa County | 3 | 1 | 0 | 0.0% |
| Calhoun County | 2 | 0 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Cullman County | 1 | 0 | 0 | 0.0% |
| Baldwin County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Bullock 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: 26 applications in 2025, of which 15 were originated and 1 denied.
3.9% of all applications, or 5.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Sierra Pacific Mortgage Company originated in Alabama in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Sierra Pacific Mortgage Company'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