Victorian Finance in Alabama vs the state
10.2%Denial rate-9.68 pts vs state
13.2%Decision denial rate-11.76 pts vs state
66.1%Origination rate+10.71 pts vs state
6.50%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.20 pts vs state
$78kMedian applicant income
117Loans originated
18Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 199 | 143 | 7.5% | 6.75% | #128 |
| 2024 | 205 | 126 | 6.8% | 6.63% | #144 |
| 2025 | 177 | 117 | 10.2% | 6.50% | #165 |
What Victorian Finance lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Victorian Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 65 | 40 | 8 | 12.3% |
| DeKalb County | 27 | 18 | 3 | 11.1% |
| Limestone County | 22 | 20 | 0 | 0.0% |
| Morgan County | 21 | 14 | 5 | 23.8% |
| Jackson County | 5 | 4 | 0 | 0.0% |
| Marshall County | 5 | 2 | 1 | 20.0% |
| Shelby County | 4 | 3 | 0 | 0.0% |
| Lawrence County | 4 | 2 | 1 | 25.0% |
| Lauderdale County | 3 | 2 | 0 | 0.0% |
| Tuscaloosa County | 3 | 2 | 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: 177 applications in 2025, of which 117 were originated and 18 denied.
10.2% of all applications, or 13.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Victorian Finance originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Victorian Finance'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