Union Home Mortgage in Alabama vs the state
4.9%Denial rate-14.95 pts vs state
6.0%Decision denial rate-19.02 pts vs state
75.3%Origination rate+19.94 pts vs state
6.50%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.10 pts vs state
$94kMedian applicant income
1,014Loans originated
66Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 722 | 523 | 6.0% | 6.88% | #57 |
| 2024 | 1,104 | 854 | 4.4% | 6.63% | #43 |
| 2025 | 1,346 | 1,014 | 4.9% | 6.50% | #38 |
What Union Home Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 281 | 211 | 15 | 5.3% |
| Mobile County | 189 | 142 | 8 | 4.2% |
| Shelby County | 158 | 119 | 4 | 2.5% |
| Madison County | 77 | 55 | 3 | 3.9% |
| Blount County | 70 | 51 | 2 | 2.9% |
| Baldwin County | 58 | 42 | 4 | 6.9% |
| St. Clair County | 44 | 33 | 2 | 4.5% |
| Houston County | 41 | 33 | 1 | 2.4% |
| Autauga County | 34 | 31 | 0 | 0.0% |
| Limestone County | 28 | 18 | 1 | 3.6% |
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: 1,346 applications in 2025, of which 1,014 were originated and 66 denied.
4.9% of all applications, or 6.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Union Home Mortgage originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Union Home 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