Dallas County
Alabama · FIPS 01047
According to CFPB HMDA 2024 application volume among U.S. counties, Dallas County ranks #1,633 of 3,210, and #42 of 67 in Alabama.
Mortgage lending activity in Dallas 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. Dallas County, Alabama saw 772 HMDA-reported mortgage applications in 2024. Lenders originated 255 of those loans and denied 265, producing a denial rate of 34.3% and an approval (origination) rate of 33.0%. The average loan amount was $125,427 at an average note rate of 7.35%, with applicants self-reporting average annual income of $36K. 76 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 Dallas County
In Dallas County, lead originator Trustmark National Bank funded only 8.6% of 255 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Dallas County's 772 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Dallas County's $125,427 average loan (deduped against volume peers).
Lenders active in Dallas County
Trustmark National Bank funded 22 of the 255 loans originated in Dallas County, 8.6% of the county. 76 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Trustmark National Bank | 22 | 8.6% |
| 2 | Rocket Mortgage | 22 | 8.6% |
| 3 | 21st Mortgage | 14 | 5.5% |
| 4 | Marion Community Bank | 11 | 4.3% |
| 5 | Regions Bank | 10 | 3.9% |
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 Dallas 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 Dallas 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.