Montgomery County
Alabama · FIPS 01101
According to CFPB HMDA 2024 application volume among U.S. counties, Montgomery County ranks #338 of 3,223, and #6 of 67 in Alabama.
Mortgage lending activity in Montgomery 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. Montgomery County, Alabama lenders denied 1,744 of the applications reported here, financing the rest at an average note rate of 6.95%, with applicants self-reporting average annual income of $37K. 249 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Montgomery County
In Montgomery County, lead originator Guild Mortgage Company funded only 9.0% of 4,217 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Montgomery County's 8,454 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Montgomery County's $182,846 average loan (deduped against volume peers).
Lenders active in Montgomery County
Guild Mortgage Company funded 379 of the 4,217 loans originated in Montgomery County, 9.0% of the county. 249 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 379 | 9.0% |
| 2 | Max Credit Union | 278 | 6.6% |
| 3 | Trustmark National Bank | 261 | 6.2% |
| 4 | Rocket Mortgage | 199 | 4.7% |
| 5 | Crosscountry Mortgage, LLC | 177 | 4.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Montgomery 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 Montgomery 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.