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2024 data HMDA 2024 disclosure official source

Houston County

4,388 mortgage applications, 18.0% denial rate. Verify FIPS 01069 with U.S. Census Bureau →

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Alabama · FIPS 01069

Local mortgage market. Houston County, Alabama saw 4,388 HMDA-reported mortgage applications in 2024. Lenders originated 2,274 of those loans and denied 789, producing a denial rate of 18.0% and an approval (origination) rate of 51.8%. The average loan amount was $182,149 at an average note rate of 7.25%, with applicants self-reporting average annual income of $37K. 188 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 01069 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,388
Applications
2,274
Originated
18.0%
Denial Rate
51.8%
Approval Rate
$182,149
Avg Loan Amount
7.25%
Avg Interest Rate
$37K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Houston 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 All in Credit Union 158 6.9%
2 Rocket Mortgage 114 5.0%
3 Interlinc Mortgage Services, LLC 113 5.0%
4 Mortgage Research Center 106 4.7%
5 Regions Bank 102 4.5%
Compare All in Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Houston County?
In the 2024 HMDA reporting year, 4,388 mortgage applications were filed in Houston County, Alabama. Of these, 2,274 were originated (approved and funded), while 789 were denied, resulting in a denial rate of 18.0%.
What is the mortgage denial rate in Houston County?
The mortgage denial rate in Houston County is 18.0%. The approval (origination) rate is 51.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Houston County?
The average mortgage loan amount in Houston County is $182,149. The average interest rate is 7.253%. The average applicant income is $37K.
What is the loan-to-income ratio in Houston County?
The average loan-to-income ratio in Houston County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Houston County?
The top mortgage lenders in Houston County by origination volume are All in Credit Union, Rocket Mortgage, Interlinc Mortgage Services, LLC. In total, 188 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.