Mortgage lending in Baldwin County, Alabama
Lenders in Baldwin County, Alabama reported 15,495 mortgage applications for 2025, according to the CFPB.
15,495 mortgage applications and 8,842 loans originated in 2025; the denial rate was 22.5% of 12,107 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Daphne-Fairhope-Foley, AL MSA.
- 15,495
- Applications
- 8,842
- Loans originated
- 22.5%
- Denial rate
- 2,727 denied of 12,107 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 15,495 | 8,842 |
| 2024 | 13,846 | 7,873 |
| 2023 | 13,854 | 7,913 |
| 2022 | 18,390 | 10,962 |
| 2021 | 26,969 | 16,942 |
| 2020 | 23,645 | 15,166 |
| 2019 | 16,078 | 10,182 |
| 2018 | 14,155 | 8,687 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| DHI Mortgage Company, LTD. | 676 | 1,312 |
| Rocket Mortgage | 556 | 785 |
| Regions Bank | 386 | 778 |
| United Wholesale Mortgage | 353 | 530 |
| Trustmark Bank | 278 | 312 |
| Navy Federal Credit Union | 208 | 398 |
| Community Bank of Mississippi | 200 | 250 |
| Lennar Mortgage, LLC | 194 | 233 |
| Cadence Bank | 173 | 229 |
| PNC Bank N.A. | 155 | 301 |
| Southstate Bank, National Association | 147 | 193 |
| DSLD Mortgage LLC | 146 | 221 |
| Firstbank | 133 | 212 |
| Mortgage Research Center | 122 | 285 |
| Newrez LLC | 113 | 269 |
| Northpointe Bank | 111 | 164 |
| Freedom Mortgage Corporation | 110 | 263 |
| PenAir Credit Union | 109 | 240 |
| Pennymac Loan Services LLC | 109 | 254 |
| Guild Mortgage Company | 108 | 165 |
| Bryant Bank | 98 | 135 |
| Nationstar Mortgage | 98 | 135 |
| Movement Mortgage, LLC | 97 | 139 |
| Renasant Bank | 91 | 120 |
| loanDepot.com LLC | 89 | 168 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 107 | 32.5% of 80 decided |
| Asian | 206 | 24.5% of 163 decided |
| Black or African American | 638 | 49.1% of 485 decided |
| Native Hawaiian or Other Pacific Islander | 28 | no rate: base under 50 |
| White | 11,987 | 20.8% of 9,453 decided |
| 2 or more minority races | withheld | |
| Joint | 291 | 22.5% of 213 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,210 | 23.6% of 1,669 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 465 | 35.6% of 334 decided |
| Not Hispanic or Latino | 12,455 | 21.8% of 9,814 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,334 | 23.5% of 1,758 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,417 | 24.4% of 4,186 decided |
| Female | 3,092 | 28.8% of 2,430 decided |
| Joint | 5,632 | 17.4% of 4,451 decided |
| Sex Not Available | 1,354 | 21.8% of 1,040 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 456 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved