PlainLender

AuburnBank

Auburn, AL

AuburnBank processed 148 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 122 loans with a 7.4% denial rate. Home Purchase was the primary loan purpose. Based in Auburn, AL. The approval rate of 82.4% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. AuburnBank's 82.4% origination rate tells you how often an application turned into funded money; the 7.4% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (147 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

148
Applications
122
Originated
7.4%
Denial Rate
$236,486
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 147 122 11 $236,633
FHA 1 0 0 $215,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for AuburnBank (LEI: RO7SIV4IZNEGU4EXXS92) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 76 61 $305,658
Refinancing 42 39 $201,190
Home Improvement 15 14 $84,333
Other 10 6 $99,000
Cash-out Refinancing 5 2 $213,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 95 81.0% 7.4%
Black or African American * 12 58.3% 25.0%
Asian * 5 80.0% 0.0%
Joint * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 110 79.1% 8.2%
Hispanic or Latino * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in AL

Other HMDA-reporting lenders in AL with similar activity. Compare any two side-by-side.

Regions Bank

BIRMINGHAM, AL

70,436 apps 29,337 originated 39.6% denied

CSL Financial LLC

Birmingham, AL

10,109 apps 1,011 originated 60.3% denied

Redstone Federal Credit Union

HUNTSVILLE, AL

5,601 apps 3,166 originated 21.9% denied

Tjc Mortgage INC

BIRMINGHAM, AL

2,788 apps 1,704 originated 3.2% denied

All in Credit Union

DOTHAN, AL

2,355 apps 1,018 originated 32.0% denied
Compare AuburnBank vs Regions Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did AuburnBank process?
AuburnBank processed 148 mortgage applications in the 2024 HMDA reporting year. Of these, 122 were originated (approved and funded), 12 were withdrawn by the applicant, and 11 were denied.
What is AuburnBank's mortgage approval rate?
AuburnBank has an approval (origination) rate of 82.4%, meaning 82.4% of all applications resulted in a funded mortgage. The denial rate is 7.4%.
What is the average loan amount at AuburnBank?
The average mortgage loan amount at AuburnBank is $236,486.
What types of mortgage loans does AuburnBank offer?
AuburnBank processes Conventional, FHA loans. The most common type is Conventional with 147 applications and an average loan amount of $236,633.
What loan purposes does AuburnBank serve?
AuburnBank serves the following loan purposes: Home Purchase (76 applications), Refinancing (42 applications), Home Improvement (15 applications), Other (10 applications), Cash-out Refinancing (5 applications). Home Purchase is the most common purpose.
Where is AuburnBank located?
AuburnBank is headquartered in Auburn, AL. The lender is identified by LEI RO7SIV4IZNEGU4EXXS92 in HMDA data.
How does AuburnBank compare in lending across racial demographics?
AuburnBank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 81.0% and denial rate of 7.4%; Black or African American applicants have an approval rate of 58.3% and denial rate of 25.0%; Asian applicants have an approval rate of 80.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is 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.