SmartFi Home Loans in Alabama vs the state
50.0%Denial rate+30.15 pts vs state
50.0%Decision denial rate+25.00 pts vs state
50.0%Origination rate-5.39 pts vs state
6.31%Median rate-0.19 pts vs state
—Rate spread (pts)
$29kMedian applicant income
4Loans originated
4Denied
What SmartFi Home Loans lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chambers County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Tuscaloosa County | 1 | 0 | 1 | 100.0% |
| Shelby County | 1 | 0 | 1 | 100.0% |
| Mobile County | 1 | 1 | 0 | 0.0% |
| Autauga 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: 8 applications in 2025, of which 4 were originated and 4 denied.
50.0% of all applications, or 50.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans SmartFi Home Loans originated in Alabama in 2025 was 6.31%, against a statewide median of 6.50%.
About this data. Figures are SmartFi Home Loans'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