Dale County
Alabama · FIPS 01045
According to CFPB HMDA 2024 application volume among U.S. counties, Dale County ranks #998 of 3,210, and #29 of 67 in Alabama.
Mortgage lending activity in Dale 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. Dale County, Alabama saw 1,769 HMDA-reported mortgage applications in 2024. Lenders originated 858 of those loans and denied 327, producing a denial rate of 18.5% and an approval (origination) rate of 48.5%. The average loan amount was $162,400 at an average note rate of 7.30%, with applicants self-reporting average annual income of $37K. 136 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Dale County
In Dale County, lead originator All in Credit Union funded only 10.0% of 858 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Dale County's 1,769 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Dale County's $162,400 average loan (deduped against volume peers).
Lenders active in Dale County
All in Credit Union funded 86 of the 858 loans originated in Dale County, 10.0% of the county. 136 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | All in Credit Union | 86 | 10.0% |
| 2 | Mortgage Research Center | 67 | 7.8% |
| 3 | Rocket Mortgage | 57 | 6.6% |
| 4 | Fairway Independent Mort CORP | 27 | 3.1% |
| 5 | United Wholesale Mortgage | 25 | 2.9% |
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; does not constitute financial advice for Dale County borrowers.
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 Dale County 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. 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.