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2024 data HMDA 2024 disclosure official source

Autauga County

2,707 mortgage applications, 17.6% denial rate. Verify FIPS 01001 with U.S. Census Bureau →

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Alabama · FIPS 01001

Local mortgage market. Autauga County, Alabama saw 2,707 HMDA-reported mortgage applications in 2024. Lenders originated 1,479 of those loans and denied 476, producing a denial rate of 17.6% and an approval (origination) rate of 54.6%. The average loan amount was $216,662 at an average note rate of 6.98%, with applicants self-reporting average annual income of $36K. 152 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 01001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,707
Applications
1,479
Originated
17.6%
Denial Rate
54.6%
Approval Rate
$216,662
Avg Loan Amount
6.98%
Avg Interest Rate
$36K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Autauga County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Trustmark National Bank 135 9.1%
2 Guild Mortgage Company 120 8.1%
3 Max Credit Union 95 6.4%
4 Guardian Credit Union 82 5.5%
5 Regions Bank 75 5.1%
Compare Trustmark National Bank vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Autauga County?
In the 2024 HMDA reporting year, 2,707 mortgage applications were filed in Autauga County, Alabama. Of these, 1,479 were originated (approved and funded), while 476 were denied, resulting in a denial rate of 17.6%.
What is the mortgage denial rate in Autauga County?
The mortgage denial rate in Autauga County is 17.6%. The approval (origination) rate is 54.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Autauga County?
The average mortgage loan amount in Autauga County is $216,662. The average interest rate is 6.983%. The average applicant income is $36K.
What is the loan-to-income ratio in Autauga County?
The average loan-to-income ratio in Autauga County is 6.0x, meaning borrowers took on loans averaging 6.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Autauga County?
The top mortgage lenders in Autauga County by origination volume are Trustmark National Bank, Guild Mortgage Company, Max Credit Union. In total, 152 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.