Southwest Stage Funding in Alabama vs the state
6.8%Denial rate-13.01 pts vs state
14.2%Decision denial rate-10.79 pts vs state
23.6%Origination rate-31.76 pts vs state
8.58%Median rate+2.07 pts vs state
2.53Rate spread (pts)+2.25 pts vs state
$69kMedian applicant income
190Loans originated
55Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 233 | 165 | 21.9% | 8.50% | #115 |
| 2024 | 435 | 159 | 8.7% | 8.55% | #81 |
| 2025 | 804 | 190 | 6.8% | 8.58% | #58 |
What Southwest Stage Funding lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Southwest Stage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 50 | 9 | 4 | 8.0% |
| Mobile County | 37 | 9 | 5 | 13.5% |
| Jackson County | 34 | 9 | 2 | 5.9% |
| Talladega County | 34 | 6 | 1 | 2.9% |
| Madison County | 32 | 9 | 0 | 0.0% |
| DeKalb County | 31 | 6 | 1 | 3.2% |
| Limestone County | 28 | 5 | 2 | 7.1% |
| Cullman County | 26 | 8 | 2 | 7.7% |
| Chilton County | 25 | 11 | 0 | 0.0% |
| Elmore County | 24 | 5 | 2 | 8.3% |
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: 804 applications in 2025, of which 190 were originated and 55 denied.
6.8% of all applications, or 14.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Southwest Stage Funding originated in Alabama in 2025 was 8.58%, against a statewide median of 6.50%.
About this data. Figures are Southwest Stage Funding'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