Troy Bank and Trust in Alabama vs the state
4.4%Denial rate-15.43 pts vs state
4.7%Decision denial rate-20.35 pts vs state
89.8%Origination rate+34.43 pts vs state
7.50%Median rate+1.00 pts vs state
1.06Rate spread (pts)+0.77 pts vs state
$112kMedian applicant income
203Loans originated
10Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 217 | 194 | 6.5% | 8.50% | #124 |
| 2024 | 216 | 202 | 3.2% | 8.50% | #136 |
| 2025 | 226 | 203 | 4.4% | 7.50% | #145 |
What Troy Bank and Trust lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Troy Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pike County | 69 | 62 | 3 | 4.3% |
| Houston County | 44 | 42 | 1 | 2.3% |
| Coffee County | 29 | 23 | 4 | 13.8% |
| Dale County | 17 | 17 | 0 | 0.0% |
| Montgomery County | 12 | 10 | 1 | 8.3% |
| Crenshaw County | 9 | 5 | 1 | 11.1% |
| Geneva County | 7 | 6 | 0 | 0.0% |
| Covington County | 7 | 7 | 0 | 0.0% |
| Lee County | 6 | 6 | 0 | 0.0% |
| Henry County | 5 | 5 | 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: 226 applications in 2025, of which 203 were originated and 10 denied.
4.4% of all applications, or 4.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Troy Bank and Trust originated in Alabama in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Troy Bank and Trust'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