Lender in Alabama · HMDA 2025
GMFS LLC mortgages in Alabama
GMFS LLC's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
GMFS LLC originated 398 owner-occupied single-family loans in Alabama from 451 completed applications.
Its median conventional purchase loan costs were $3,210 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.50% (Alabama: 6.562%).
Loans in AL
398
of 451 applications
Denial rate
1.5%
Purchase · AL 9.1%
Rate spread
−0.03 pts
Conv. · AL +0.17 pts
Loan amount
$255,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 335 | 304 | 1.5% | 6.500% | −0.03 pts | $3,210 | $255,000 |
| Refinance | 81 | 68 | 1.2% | 6.500% | +0.04 pts | $6,280 | $325,000 |
| Cash-out refinance | 35 | 26 | 5.7% | — | — | — | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where GMFS LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mobile County | 6 | 165 | 3.5% |
| Marshall County | 9 | 26 | 2.1% |
| Etowah County | 20 | 15 | 1.2% |
| DeKalb County | 20 | 10 | 1.4% |
| Washington County | 20 | 2 | 1.7% |
| Baldwin County | 23 | 47 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology