Stg Mortgage in Alabama vs the state
12.1%Denial rate-7.73 pts vs state
18.2%Decision denial rate-6.82 pts vs state
36.4%Origination rate-19.03 pts vs state
6.13%Median rate-0.38 pts vs state
0.33Rate spread (pts)+0.05 pts vs state
$97kMedian applicant income
12Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 162 | 78 | 4.3% | 6.63% | #149 |
| 2024 | 127 | 68 | 9.5% | 6.56% | #191 |
| 2025 | 33 | 12 | 12.1% | 6.13% | #351 |
What Stg Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Stg Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Elmore County | 10 | 0 | 3 | 30.0% |
| Jefferson County | 5 | 1 | 0 | 0.0% |
| Tuscaloosa County | 3 | 2 | 0 | 0.0% |
| Shelby County | 3 | 1 | 0 | 0.0% |
| Mobile County | 2 | 2 | 0 | 0.0% |
| Houston County | 2 | 1 | 1 | 50.0% |
| Morgan County | 2 | 1 | 0 | 0.0% |
| Lowndes County | 1 | 0 | 0 | 0.0% |
| Chilton County | 1 | 1 | 0 | 0.0% |
| Baldwin 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: 33 applications in 2025, of which 12 were originated and 4 denied.
12.1% of all applications, or 18.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Stg Mortgage originated in Alabama in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Stg 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