United Shore Financial Services in Alabama vs the state
12.0%Denial rate-7.86 pts vs state
14.1%Decision denial rate-10.94 pts vs state
71.3%Origination rate+15.91 pts vs state
6.13%Median rate-0.38 pts vs state
0.05Rate spread (pts)-0.24 pts vs state
$83kMedian applicant income
5,482Loans originated
922Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,841 | 3,756 | 9.5% | 6.50% | #5 |
| 2024 | 6,028 | 4,568 | 10.3% | 6.25% | #5 |
| 2025 | 7,689 | 5,482 | 12.0% | 6.13% | #4 |
What United Shore Financial Services lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,109 | 793 | 150 | 13.5% |
| Madison County | 1,033 | 784 | 83 | 8.0% |
| Baldwin County | 530 | 353 | 82 | 15.5% |
| Mobile County | 444 | 284 | 77 | 17.3% |
| Shelby County | 437 | 343 | 41 | 9.4% |
| Limestone County | 339 | 265 | 24 | 7.1% |
| Montgomery County | 310 | 210 | 40 | 12.9% |
| Lee County | 247 | 189 | 22 | 8.9% |
| Elmore County | 200 | 147 | 20 | 10.0% |
| St. Clair County | 198 | 152 | 16 | 8.1% |
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% |
| 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% |
| Trustmark National Bank | C | 3,443 | 10.3% | 6.50% |
Frequently asked questions
Alabama: 7,689 applications in 2025, of which 5,482 were originated and 922 denied.
12.0% of all applications, or 14.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans United Shore Financial Services originated in Alabama in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial Services'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