AL · Statewide HMDA 2024
Alabama mortgage lending
According to the CFPB HMDA 2024 Snapshot, 864 reporting lenders · 67 counties · 13 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Alabama ranks #23 of 54 by application volume but #43 of 52 states with 10,000+ applications on origination share (49.3%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #43
- Origination-share rank of 52
- 49.3%
- Origination share
- 104,226
- Originated
- 18.9%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
211,368reported applications
CFPB HMDA state filing plate
State AL · Alabama 18.9% denial
VOL-MID · DEN-MID · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-MID #23/54
- DEN-MID 18.9%
- NEAR-PEER Kentucky
- ORIG-FLOOR 49.3%
- BOOK-FULL 864 lenders
- LEAD-MIX 5% top
Photo-finish peer: Kentucky · 18.6% denial (-0.3pp vs Alabama)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Alabama
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Alabama: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (18.9% here).
Similar application volume
Nearest states by HMDA applications filed (211,368 here).
Top lenders by originations · Alabama
Funded loans among HMDA-reporting institutions active in this state.
Where Alabama sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
211,368 Top 43% higher than 57% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Alabama
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Alabama filed 211,368 HMDA-reported applications in 2024 (#23 of 54 by volume) with a 18.9% denial rate - near the national 17.2% baseline. White applicants (119,011 apps) show 17.7% denial; Black or African American applicants (35,756 apps) show 30.9% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Alabama
Top HMDA-reporting lenders active in Alabama. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 5,649 | 5.4% |
| 2 | Regions Bank | 5,486 | 5.3% |
| 3 | United Wholesale Mortgage | 4,568 | 4.4% |
| 4 | Trustmark National Bank | 2,715 | 2.6% |
| 5 | Redstone Federal Credit Union | 2,688 | 2.6% |
Reported outcomes by applicant race in Alabama
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 119,011 | 59.3% | 17.7% |
| Black or African American | 35,756 | 43.5% | 30.9% |
| Asian | 3,516 | 60.0% | 16.3% |
| Joint | 2,764 | 57.0% | 18.0% |
| American Indian or Alaska Native | 1,224 | 42.0% | 29.8% |
| 2 or more minority races | 398 | 40.7% | 34.9% |
| Native Hawaiian or Other Pacific Islander | 254 | 45.7% | 29.1% |
Every county in Alabama, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Jefferson County | 25,869 | 13,143 | 18.1% | $220,632 |
| Madison County | 21,479 | 11,578 | 13.7% | $266,537 |
| Baldwin County | 15,533 | 7,815 | 16.6% | $284,574 |
| Mobile County | 15,288 | 7,338 | 20.5% | $183,869 |
| Shelby County | 11,503 | 6,226 | 15.8% | $256,875 |
| Montgomery County | 8,454 | 4,217 | 20.6% | $182,846 |
| Tuscaloosa County | 7,915 | 3,868 | 18.1% | $226,989 |
| Lee County | 7,559 | 4,063 | 16.1% | $258,396 |
| Limestone County | 7,376 | 3,926 | 13.9% | $255,182 |
| Morgan County | 5,224 | 2,573 | 17.9% | $192,550 |
| St. Clair County | 4,930 | 2,442 | 17.4% | $193,361 |
| Houston County | 4,388 | 2,274 | 18.0% | $182,149 |
| Calhoun County | 4,369 | 1,920 | 23.0% | $150,711 |
| Elmore County | 3,999 | 2,159 | 18.6% | $197,246 |
| Marshall County | 3,908 | 1,998 | 16.2% | $191,873 |
| Cullman County | 3,775 | 1,844 | 16.2% | $198,817 |
| Etowah County | 3,764 | 1,893 | 19.0% | $162,670 |
| Lauderdale County | 3,637 | 2,052 | 14.5% | $188,855 |
| Talladega County | 3,266 | 1,354 | 23.9% | $158,209 |
| Autauga County | 2,707 | 1,479 | 17.6% | $216,662 |
| Russell County | 2,691 | 1,220 | 18.3% | $198,917 |
| Coffee County | 2,533 | 1,318 | 14.8% | $202,481 |
| Walker County | 2,454 | 958 | 26.7% | $149,902 |
| Colbert County | 2,403 | 1,257 | 18.4% | $169,611 |
| Blount County | 2,264 | 1,126 | 18.8% | $166,586 |
| DeKalb County | 2,146 | 969 | 23.1% | $168,579 |
| Chilton County | 1,955 | 830 | 23.5% | $157,624 |
| Jackson County | 1,899 | 936 | 20.9% | $173,541 |
| Dale County | 1,769 | 858 | 18.5% | $162,400 |
| Tallapoosa County | 1,595 | 826 | 20.9% | $252,066 |
| Lawrence County | 1,477 | 620 | 24.8% | $148,622 |
| Chambers County | 1,144 | 482 | 22.7% | $148,278 |
| Covington County | 1,040 | 497 | 24.6% | $138,875 |
| Pike County | 1,039 | 511 | 24.7% | $160,120 |
| Geneva County | 1,000 | 534 | 19.6% | $146,280 |
| Escambia County | 998 | 445 | 23.4% | $147,605 |
| Cherokee County | 936 | 431 | 24.1% | $188,333 |
| Winston County | 851 | 443 | 19.4% | $214,953 |
| Randolph County | 841 | 365 | 21.1% | $197,093 |
| Marion County | 824 | 366 | 22.7% | $134,357 |
| Franklin County | 787 | 387 | 20.3% | $138,863 |
| Dallas County | 772 | 255 | 34.3% | $125,427 |
| Henry County | 761 | 382 | 22.2% | $172,740 |
| Bibb County | 666 | 273 | 26.3% | $151,036 |
| Barbour County | 626 | 237 | 29.6% | $144,633 |
| Clarke County | 589 | 218 | 31.1% | $129,924 |
| Pickens County | 589 | 205 | 31.2% | $129,414 |
| Cleburne County | 581 | 254 | 25.1% | $163,072 |
| Fayette County | 539 | 214 | 26.4% | $141,920 |
| Macon County | 535 | 171 | 38.3% | $117,523 |
| Butler County | 511 | 188 | 29.8% | $117,270 |
| Monroe County | 484 | 212 | 28.5% | $134,979 |
| Washington County | 475 | 183 | 28.8% | $132,600 |
| Marengo County | 455 | 158 | 30.8% | $124,868 |
| Hale County | 445 | 177 | 27.4% | $142,820 |
| Clay County | 406 | 135 | 31.0% | $140,591 |
| Crenshaw County | 400 | 179 | 25.3% | $136,225 |
| Coosa County | 336 | 134 | 29.5% | $168,452 |
| Lamar County | 332 | 135 | 24.1% | $106,536 |
| Lowndes County | 319 | 91 | 40.8% | $130,110 |
| Conecuh County | 300 | 99 | 32.3% | $121,900 |
| Sumter County | 247 | 80 | 36.4% | $102,935 |
| Wilcox County | 238 | 64 | 37.4% | $112,689 |
| Choctaw County | 223 | 81 | 35.4% | $117,780 |
| Perry County | 209 | 54 | 38.8% | $118,110 |
| Bullock County | 197 | 57 | 45.7% | $150,381 |
| Greene County | 181 | 53 | 36.5% | $126,602 |
Metro Areas in Alabama
Frequently Asked Questions
How many mortgage applications were filed in Alabama?
Where does Alabama sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Alabama?
What is the average mortgage loan amount in Alabama?
How many mortgage lenders operate in Alabama?
How do mortgage denial rates vary by demographics in Alabama?
Which counties in Alabama have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.