Alabama One mortgage approval rate & lending review
Alabama One decided 606 mortgage applications and funded 529 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Alabama One reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Alabama One at a glance
Approval is 8.4 points above the 78.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 201 / 219 | 100% | $235K | 201 |
| Cash-out refinance | 82% | 177 / 216 | 100% | $85K | 177 |
| Refinance | 82% | 50 / 61 | 100% | $135K | 50 |
| Investment property purchase | 95% | 78 / 82 | 100% | $65K | 78 |
Alabama One lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 87% | $85K | 599 | 522 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Alabama One lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tuscaloosa County, AL | Mortgage lenders | 93% | 180 | 167 |
| Tuscaloosa County, AL | Cash-out refinance | 84% | 181 | 152 |
| Tuscaloosa County, AL | Investment property purchase | 98% | 56 | 55 |
| Tuscaloosa County, AL | Refinance | 83% | 48 | 40 |
The county markets where Alabama One made the most loans. Each link opens that market with every lender ranked.
Questions about Alabama One
What is Alabama One's mortgage approval rate?
Alabama One approved 87.3% of the 606 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points above the 78.9% national rate for the same mix of loan types.
How often do borrowers take the loan Alabama One offers?
Borrowers accepted 100% of the loans Alabama One approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Alabama One make?
The typical home purchase mortgage loan Alabama One made was $235K; across all loan types its typical loan ran from $65K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Alabama One lend?
Alabama One decided applications in 3 of the states Fat Boy Data covers, most of them in Alabama, Georgia and Florida.
Can I apply to Alabama One directly?
Yes. Alabama One is a bank or credit union with 31 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Alabama One's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Alabama One treats applications, then get a rate quote from the lender.