Stockton Mortgage in Alabama vs the state
6.6%Denial rate-13.25 pts vs state
8.8%Decision denial rate-16.24 pts vs state
67.8%Origination rate+12.43 pts vs state
6.50%Median rate0.00 pts vs state
0.44Rate spread (pts)+0.15 pts vs state
$84kMedian applicant income
997Loans originated
97Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 473 | 311 | 7.4% | 7.25% | #73 |
| 2024 | 1,316 | 861 | 5.7% | 6.63% | #35 |
| 2025 | 1,470 | 997 | 6.6% | 6.50% | #34 |
What Stockton Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Stockton Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 356 | 282 | 15 | 4.2% |
| Jefferson County | 162 | 84 | 18 | 11.1% |
| Mobile County | 113 | 91 | 5 | 4.4% |
| Limestone County | 90 | 72 | 1 | 1.1% |
| Shelby County | 84 | 44 | 8 | 9.5% |
| Morgan County | 71 | 53 | 6 | 8.5% |
| Etowah County | 66 | 48 | 2 | 3.0% |
| Cullman County | 66 | 42 | 5 | 7.6% |
| Tuscaloosa County | 59 | 39 | 2 | 3.4% |
| St. Clair County | 59 | 42 | 3 | 5.1% |
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: 1,470 applications in 2025, of which 997 were originated and 97 denied.
6.6% of all applications, or 8.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Stockton Mortgage originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Stockton 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