Valley National Bank in Alabama vs the state
6.9%Denial rate-12.95 pts vs state
8.6%Decision denial rate-16.45 pts vs state
68.3%Origination rate+12.89 pts vs state
6.49%Median rate-0.01 pts vs state
0.17Rate spread (pts)-0.12 pts vs state
$96kMedian applicant income
99Loans originated
10Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 68 | 11.5% | 7.00% | #194 |
| 2024 | 96 | 67 | 9.4% | 6.99% | #221 |
| 2025 | 145 | 99 | 6.9% | 6.49% | #187 |
What Valley National Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Valley National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 27 | 19 | 3 | 11.1% |
| Lee County | 20 | 14 | 2 | 10.0% |
| Montgomery County | 19 | 13 | 0 | 0.0% |
| Shelby County | 17 | 8 | 1 | 5.9% |
| Tallapoosa County | 17 | 10 | 2 | 11.8% |
| St. Clair County | 15 | 12 | 1 | 6.7% |
| Elmore County | 13 | 10 | 0 | 0.0% |
| Autauga County | 2 | 1 | 1 | 50.0% |
| DeKalb County | 2 | 1 | 0 | 0.0% |
| Randolph County | 2 | 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: 145 applications in 2025, of which 99 were originated and 10 denied.
6.9% of all applications, or 8.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Valley National Bank originated in Alabama in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Valley National 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