West Alabama Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
63rd2.7% deniedProcesswithdrawn + incomplete share, weight 15%
83rd0.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 122 | 113 | 4.1% | 4.1% | — | $47M |
| 2024 | 141 | 117 | 8.5% | 8.7% | — | $43M |
| 2025 | 149 | 139 | 2.7% | 2.7% | — | $28M |
What West Alabama Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 101 investment properties.
Who gets approved at West Alabama Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 29 | 29 | 0.0% |
| $100k – $150k | 21 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 20 | 18 | 5.0% |
Where West Alabama Bank & Trust lends
5 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 135 | 125 | 3.0% | — | #196 |
| Mississippi | 9 | 9 | 0.0% | — | #289 |
Frequently asked questions
West Alabama Bank & Trust denied 2.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 63rd percentile of investment-property lenders.
In 2025, 56% of its applications were for home purchases, 30% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.