U.S. Bank in Alabama vs the state
39.8%Denial rate+19.91 pts vs state
46.7%Decision denial rate+21.65 pts vs state
43.8%Origination rate-11.58 pts vs state
7.13%Median rate+0.63 pts vs state
0.85Rate spread (pts)+0.57 pts vs state
$117kMedian applicant income
184Loans originated
167Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 600 | 268 | 43.2% | 7.63% | #63 |
| 2024 | 560 | 253 | 38.9% | 7.13% | #69 |
| 2025 | 420 | 184 | 39.8% | 7.13% | #96 |
What U.S. Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 45 | 13 | 22 | 48.9% |
| Baldwin County | 41 | 23 | 10 | 24.4% |
| Madison County | 41 | 20 | 13 | 31.7% |
| Shelby County | 35 | 19 | 12 | 34.3% |
| Mobile County | 33 | 8 | 20 | 60.6% |
| Tuscaloosa County | 22 | 11 | 10 | 45.5% |
| Montgomery County | 22 | 11 | 8 | 36.4% |
| Limestone County | 17 | 8 | 6 | 35.3% |
| Lee County | 16 | 6 | 6 | 37.5% |
| Morgan County | 15 | 8 | 4 | 26.7% |
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: 420 applications in 2025, of which 184 were originated and 167 denied.
39.8% of all applications, or 46.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans U.S. Bank originated in Alabama in 2025 was 7.13%, against a statewide median of 6.50%.
About this data. Figures are U.S. Bank'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