Traditional Mortgage Acceptance in Alabama vs the state
16.0%Denial rate-3.85 pts vs state
19.1%Decision denial rate-5.95 pts vs state
64.0%Origination rate+8.61 pts vs state
6.13%Median rate-0.38 pts vs state
—Rate spread (pts)
$28kMedian applicant income
16Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 15 | 11 | 20.0% | 6.88% | #415 |
| 2025 | 25 | 16 | 16.0% | 6.13% | #374 |
What Traditional Mortgage Acceptance lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 6 | 6 | 0 | 0.0% |
| Baldwin County | 4 | 3 | 1 | 25.0% |
| Jefferson County | 3 | 0 | 2 | 66.7% |
| Madison County | 2 | 1 | 1 | 50.0% |
| Russell County | 2 | 1 | 0 | 0.0% |
| Cullman County | 1 | 0 | 0 | 0.0% |
| Pickens County | 1 | 1 | 0 | 0.0% |
| Chilton County | 1 | 0 | 0 | 0.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Autauga 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: 25 applications in 2025, of which 16 were originated and 4 denied.
16.0% of all applications, or 19.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Traditional Mortgage Acceptance originated in Alabama in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Traditional Mortgage Acceptance'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