The Mortgage Firm in Alabama vs the state
7.0%Denial rate-12.89 pts vs state
8.2%Decision denial rate-16.84 pts vs state
73.9%Origination rate+18.52 pts vs state
6.50%Median rate0.00 pts vs state
0.44Rate spread (pts)+0.15 pts vs state
$83kMedian applicant income
85Loans originated
8Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 112 | 6.3% | 6.56% | #151 |
| 2024 | 109 | 80 | 5.5% | 6.38% | #205 |
| 2025 | 115 | 85 | 7.0% | 6.50% | #212 |
What The Mortgage Firm lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most The Mortgage Firm applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 35 | 28 | 2 | 5.7% |
| Shelby County | 21 | 14 | 3 | 14.3% |
| St. Clair County | 18 | 13 | 1 | 5.6% |
| Blount County | 8 | 4 | 1 | 12.5% |
| Russell County | 5 | 5 | 0 | 0.0% |
| Escambia County | 4 | 4 | 0 | 0.0% |
| Baldwin County | 4 | 4 | 0 | 0.0% |
| Lee County | 3 | 3 | 0 | 0.0% |
| Mobile County | 3 | 2 | 0 | 0.0% |
| Chilton County | 3 | 1 | 1 | 33.3% |
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: 115 applications in 2025, of which 85 were originated and 8 denied.
7.0% of all applications, or 8.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans The Mortgage Firm originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are The Mortgage Firm'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