The Exchange Bank of Alabama in Alabama vs the state
17.0%Denial rate-2.90 pts vs state
17.0%Decision denial rate-8.05 pts vs state
81.4%Origination rate+25.97 pts vs state
—Median rate
—Rate spread (pts)
$76kMedian applicant income
48Loans originated
10Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 43 | 14.3% | — | #266 |
| 2024 | 49 | 42 | 10.2% | — | #295 |
| 2025 | 59 | 48 | 17.0% | — | #288 |
What The Exchange Bank of Alabama lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most The Exchange Bank of Alabama applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Etowah County | 48 | 38 | 9 | 18.8% |
| Tuscaloosa County | 2 | 2 | 0 | 0.0% |
| Baldwin County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 1 | 100.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Talladega County | 1 | 1 | 0 | 0.0% |
| St. Clair County | 1 | 1 | 0 | 0.0% |
| Calhoun 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: 59 applications in 2025, of which 48 were originated and 10 denied.
17.0% of all applications, or 17.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Exchange Bank of Alabama'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