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2024 data HMDA 2024 disclosure official source

Chilton County

1,955 mortgage applications, 23.5% denial rate. Verify FIPS 01021 with U.S. Census Bureau →

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Alabama · FIPS 01021

Local mortgage market. Chilton County, Alabama saw 1,955 HMDA-reported mortgage applications in 2024. Lenders originated 830 of those loans and denied 460, producing a denial rate of 23.5% and an approval (origination) rate of 42.5%. The average loan amount was $157,624 at an average note rate of 7.31%, with applicants self-reporting average annual income of $36K. 132 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 01021 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,955
Applications
830
Originated
23.5%
Denial Rate
42.5%
Approval Rate
$157,624
Avg Loan Amount
7.31%
Avg Interest Rate
$36K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Chilton 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 Hamilton Mortgage Corporation 84 10.1%
2 River Bank & Trust 67 8.1%
3 FIRSTBANK 50 6.0%
4 Rocket Mortgage 49 5.9%
5 Regions Bank 48 5.8%
Compare Hamilton Mortgage Corporation vs River Bank & Trust →

Frequently Asked Questions

How many mortgage applications were filed in Chilton County?
In the 2024 HMDA reporting year, 1,955 mortgage applications were filed in Chilton County, Alabama. Of these, 830 were originated (approved and funded), while 460 were denied, resulting in a denial rate of 23.5%.
What is the mortgage denial rate in Chilton County?
The mortgage denial rate in Chilton County is 23.5%. The approval (origination) rate is 42.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Chilton County?
The average mortgage loan amount in Chilton County is $157,624. The average interest rate is 7.306%. The average applicant income is $36K.
What is the loan-to-income ratio in Chilton County?
The average loan-to-income ratio in Chilton County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Chilton County?
The top mortgage lenders in Chilton County by origination volume are Hamilton Mortgage Corporation, River Bank & Trust, FIRSTBANK. In total, 132 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.