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2024 data HMDA 2024 disclosure official source

Crenshaw County

400 mortgage applications, 25.3% denial rate. Verify FIPS 01041 with U.S. Census Bureau →

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Alabama · FIPS 01041

Local mortgage market. Crenshaw County, Alabama saw 400 HMDA-reported mortgage applications in 2024. Lenders originated 179 of those loans and denied 101, producing a denial rate of 25.3% and an approval (origination) rate of 44.8%. The average loan amount was $136,225 at an average note rate of 7.47%, with applicants self-reporting average annual income of $34K. 46 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 01041 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

400
Applications
179
Originated
25.3%
Denial Rate
44.8%
Approval Rate
$136,225
Avg Loan Amount
7.47%
Avg Interest Rate
$34K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Crenshaw 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 First Citizens Bank 32 17.9%
2 Union Home Mortgage Corp. 15 8.4%
3 Rocket Mortgage 11 6.1%
4 Brantley Bank and Trust Company 11 6.1%
5 21st Mortgage 10 5.6%
Compare First Citizens Bank vs Union Home Mortgage Corp. →

Frequently Asked Questions

How many mortgage applications were filed in Crenshaw County?
In the 2024 HMDA reporting year, 400 mortgage applications were filed in Crenshaw County, Alabama. Of these, 179 were originated (approved and funded), while 101 were denied, resulting in a denial rate of 25.3%.
What is the mortgage denial rate in Crenshaw County?
The mortgage denial rate in Crenshaw County is 25.3%. The approval (origination) rate is 44.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Crenshaw County?
The average mortgage loan amount in Crenshaw County is $136,225. The average interest rate is 7.470%. The average applicant income is $34K.
What is the loan-to-income ratio in Crenshaw County?
The average loan-to-income ratio in Crenshaw County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Crenshaw County?
The top mortgage lenders in Crenshaw County by origination volume are First Citizens Bank, Union Home Mortgage Corp., Rocket Mortgage. In total, 46 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.