Village Capital & Investment in Alabama vs the state
23.2%Denial rate+3.35 pts vs state
29.8%Decision denial rate+4.82 pts vs state
31.1%Origination rate-24.25 pts vs state
5.75%Median rate-0.75 pts vs state
—Rate spread (pts)
$76kMedian applicant income
251Loans originated
187Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 486 | 97 | 12.8% | 6.00% | #71 |
| 2024 | 856 | 258 | 16.2% | 5.75% | #52 |
| 2025 | 806 | 251 | 23.2% | 5.75% | #57 |
What Village Capital & Investment lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 90 | 39 | 20 | 22.2% |
| Jefferson County | 89 | 15 | 21 | 23.6% |
| Mobile County | 71 | 23 | 20 | 28.2% |
| Russell County | 45 | 19 | 7 | 15.6% |
| Tuscaloosa County | 42 | 9 | 12 | 28.6% |
| Montgomery County | 41 | 10 | 11 | 26.8% |
| Shelby County | 38 | 8 | 4 | 10.5% |
| Baldwin County | 36 | 17 | 7 | 19.4% |
| Houston County | 21 | 9 | 6 | 28.6% |
| Lee County | 21 | 7 | 7 | 33.3% |
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: 806 applications in 2025, of which 251 were originated and 187 denied.
23.2% of all applications, or 29.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Village Capital & Investment originated in Alabama in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Village Capital & Investment'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