Blount County
Alabama · FIPS 01009
According to CFPB HMDA 2024 application volume among U.S. counties, Blount County ranks #869 of 3,223, and #25 of 67 in Alabama.
Mortgage lending activity in Blount County, Alabama based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Blount County, Alabama lenders denied 425 of the applications reported here, financing the rest at an average note rate of 7.15%, 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 4.6x, meaning typical borrowers took on mortgages of about 4.6 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Blount County
In Blount County, lead originator The HomeTown Bank of Alabama funded 17.0% of 1,126 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 28.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Blount County's 2,264 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Blount County's $166,586 average loan (deduped against volume peers).
Lenders active in Blount County
The HomeTown Bank of Alabama funded 191 of the 1,126 loans originated in Blount County, 17.0% of the county. 152 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The HomeTown Bank of Alabama | 191 | 17.0% |
| 2 | United Wholesale Mortgage | 75 | 6.7% |
| 3 | Rocket Mortgage | 56 | 5.0% |
| 4 | Regions Bank | 47 | 4.2% |
| 5 | Union Home Mortgage Corp. | 46 | 4.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Blount County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Blount County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.