Alabama’s FHA denial rate in 2025 was 22.8% across 27,960 decisioned applications — ranking #22 of 52 states. Among high-volume lenders, the lowest observed denial rate was Fairway Independent Mort Corp at 6.3%; the highest was Amerisave Mortgage Company at 81.5%. The institutional spread inside Alabama is 12.9×: the same FHA application faces a 6.3% observed denial rate at one high-volume door and 81.5% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Alabama FHA apps | Denial rate |
|---|---|---|
| Fairway Independent Mort Corp | 574 | 6.3% |
| Movement Mortgage, LLC | 670 | 6.6% |
| First Federal Bank | 496 | 6.9% |
| Guild Mortgage Company | 767 | 7.4% |
| Stockton Mortgage Corporation | 475 | 11.2% |
| Pennymac Loan Services LLC | 677 | 19.6% |
| Trustmark Bank | 539 | 20.0% |
| Freedom Mortgage Corporation | 942 | 20.5% |
| United Wholesale Mortgage | 1,945 | 20.7% |
| Lennar Mortgage, LLC | 484 | 20.9% |
| Dhi Mortgage Company, Ltd. | 1,537 | 25.5% |
| New American Funding, LLC. | 600 | 30.5% |
| Rocket Mortgage | 2,301 | 33.6% |
| Loandepot.Com LLC | 795 | 46.2% |
| Amerisave Mortgage Company | 826 | 81.5% |
Applications under $150K were denied 38.6% of the time versus 16.7% for loans of $250K+ — a 2.3× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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