Zillow Home Loans in Alabama vs the state
9.4%Denial rate-10.41 pts vs state
12.1%Decision denial rate-12.86 pts vs state
66.7%Origination rate+11.28 pts vs state
6.63%Median rate+0.13 pts vs state
0.63Rate spread (pts)+0.34 pts vs state
$82kMedian applicant income
120Loans originated
17Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 73 | 12.3% | 6.75% | #189 |
| 2024 | 162 | 102 | 10.5% | 6.75% | #164 |
| 2025 | 180 | 120 | 9.4% | 6.63% | #164 |
What Zillow Home Loans lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 29 | 18 | 4 | 13.8% |
| Jefferson County | 27 | 17 | 2 | 7.4% |
| Montgomery County | 10 | 5 | 2 | 20.0% |
| Baldwin County | 10 | 8 | 1 | 10.0% |
| Mobile County | 10 | 5 | 1 | 10.0% |
| Limestone County | 7 | 4 | 1 | 14.3% |
| Covington County | 6 | 4 | 1 | 16.7% |
| Shelby County | 5 | 2 | 0 | 0.0% |
| Dale County | 5 | 4 | 0 | 0.0% |
| Morgan County | 5 | 5 | 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: 180 applications in 2025, of which 120 were originated and 17 denied.
9.4% of all applications, or 12.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Zillow Home Loans originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Zillow Home Loans'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