ALABAMA CENTRAL
ALABAMA CENTRAL received 78 applications in 2025 and made 53 mortgages, in 13 counties across 2 states. The median rate its borrowers got was 6.500% on a median loan of $135,000. Of 77 decisions, 23 were denials — 29.9%, most often for credit history. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300K6MDR5BGOE0B97 |
|---|---|
| Applications received | 78 |
| Mortgages made | 53 |
| Denied | 23 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.147 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 8 | Under 10 loans | Under 10 loans | 55.6% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 22 | 7.000% | $110,000 | 18.5% |
| Other purposes | 14 | 6.500% | $135,000 | 25.0% |
Where ALABAMA CENTRAL lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lauderdale County, AL | 15 | 6.500% | 34.8% |
| Colbert County, AL | 14 | 6.500% | 11.8% |
| Franklin County, AL | 6 | Under 10 loans | 40.0% |
| Jefferson County, AL | 6 | Under 10 loans | 33.3% |
| Morgan County, AL | 3 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 3 | Under 10 loans | 40.0% |
| St. Clair County, AL | 2 | Under 10 loans | 33.3% |
| Cullman County, AL | 1 | Under 10 loans | 50.0% |
| Marion County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Blount County, AL | 0 | Under 10 loans | Not published |
| Mobile County, AL | 0 | Under 10 loans | 100.0% |
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When ALABAMA CENTRAL’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.