Lauderdale County
Alabama · FIPS 01077
According to CFPB HMDA 2024 application volume among U.S. counties, Lauderdale County ranks #641 of 3,223, and #18 of 67 in Alabama.
Mortgage lending activity in Lauderdale 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. Lauderdale County, Alabama lenders denied 528 of the applications reported here, financing the rest at an average note rate of 7.16%, with applicants self-reporting average annual income of $36K. 173 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Lauderdale County
In Lauderdale County, lead originator Bank Independent funded 16.7% of 2,052 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 29.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lauderdale County's 3,637 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lauderdale County's $188,855 average loan (deduped against volume peers).
Lenders active in Lauderdale County
Bank Independent funded 342 of the 2,052 loans originated in Lauderdale County, 16.7% of the county. 173 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bank Independent | 342 | 16.7% |
| 2 | Listerhill Credit Union | 136 | 6.6% |
| 3 | Trustmark National Bank | 122 | 5.9% |
| 4 | Assurance Financial Group, L.L.C. | 106 | 5.2% |
| 5 | Rocket Mortgage | 102 | 5.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Lauderdale County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Lauderdale County borrowers. 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.