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2024 data HMDA 2024 disclosure official source

DeKalb County

2,146 mortgage applications, 23.1% denial rate. Verify FIPS 01049 with U.S. Census Bureau →

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Alabama · FIPS 01049

Local mortgage market. DeKalb County, Alabama saw 2,146 HMDA-reported mortgage applications in 2024. Lenders originated 969 of those loans and denied 496, producing a denial rate of 23.1% and an approval (origination) rate of 45.2%. The average loan amount was $168,579 at an average note rate of 7.21%, with applicants self-reporting average annual income of $37K. 139 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.

FIPS 01049 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,146
Applications
969
Originated
23.1%
Denial Rate
45.2%
Approval Rate
$168,579
Avg Loan Amount
7.21%
Avg Interest Rate
$37K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in DeKalb 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 Rocket Mortgage 79 8.2%
2 Regions Bank 67 6.9%
3 Liberty Bank 63 6.5%
4 United Wholesale Mortgage 50 5.2%
5 Vanderbilt Mortgage and Finance, INC 44 4.5%
Compare Rocket Mortgage vs Regions Bank →

Frequently Asked Questions

How many mortgage applications were filed in DeKalb County?
In the 2024 HMDA reporting year, 2,146 mortgage applications were filed in DeKalb County, Alabama. Of these, 969 were originated (approved and funded), while 496 were denied, resulting in a denial rate of 23.1%.
What is the mortgage denial rate in DeKalb County?
The mortgage denial rate in DeKalb County is 23.1%. The approval (origination) rate is 45.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in DeKalb County?
The average mortgage loan amount in DeKalb County is $168,579. The average interest rate is 7.210%. The average applicant income is $37K.
What is the loan-to-income ratio in DeKalb County?
The average loan-to-income ratio in DeKalb County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in DeKalb County?
The top mortgage lenders in DeKalb County by origination volume are Rocket Mortgage, Regions Bank, Liberty Bank. In total, 139 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.