Mortgage lending in Chilton County, Alabama
Lenders in Chilton County, Alabama reported 1,969 mortgage applications for 2025, according to the CFPB.
1,969 mortgage applications and 1,011 loans originated in 2025; the denial rate was 28.4% of 1,554 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Chilton County, AL HUD Metro FMR Area.
- 1,969
- Applications
- 1,011
- Loans originated
- 28.4%
- Denial rate
- 441 denied of 1,554 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,969 | 1,011 |
| 2024 | 1,711 | 832 |
| 2023 | 1,751 | 826 |
| 2022 | 2,149 | 1,018 |
| 2021 | 2,494 | 1,345 |
| 2020 | 2,362 | 1,317 |
| 2019 | 1,640 | 862 |
| 2018 | 1,586 | 859 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Hamilton Mortgage Corporation | 115 | 142 |
| River Bank & Trust | 86 | 100 |
| Regions Bank | 54 | 106 |
| Firstbank | 51 | 97 |
| Rocket Mortgage | 49 | 67 |
| United Wholesale Mortgage | 41 | 56 |
| 21ST Mortgage | 38 | 155 |
| Southern Energy Credit Union | 33 | 48 |
| Guild Mortgage Company | 32 | 56 |
| Vanderbilt Mortgage and Finance, Inc | 26 | 201 |
| Guardian Credit Union | 21 | 44 |
| Central State Bank | 18 | 20 |
| Freedom Mortgage Corporation | 18 | 34 |
| Triad Financial Services, Inc. | 14 | 41 |
| Mortgage Research Center | 14 | 36 |
| Marion Community Bank | 13 | 17 |
| Pennymac Loan Services LLC | 13 | 25 |
| Prosperity Home Mortgage, LLC | 12 | 19 |
| America's First Federal Cu | 12 | 18 |
| Southwest Stage Funding LLC | 11 | 25 |
| Renasant Bank | 11 | 16 |
| New American Funding, LLC. | 11 | 22 |
| HomeXpress Mortgage Corp. | 11 | 19 |
| Fairway Independent Mort Corp | 10 | 10 |
| Crosscountry Mortgage, LLC | 10 | 17 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 12 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 161 | 52.7% of 129 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,525 | 25.8% of 1,226 decided |
| 2 or more minority races | under 10 | |
| Joint | 18 | no rate: base under 50 |
| Race Not Available | 246 | 26.5% of 170 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 86 | 34.8% of 66 decided |
| Not Hispanic or Latino | 1,601 | 27.6% of 1,296 decided |
| Joint | 28 | no rate: base under 50 |
| Ethnicity Not Available | 254 | 31.4% of 169 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 800 | 25.2% of 622 decided |
| Female | 409 | 37.8% of 331 decided |
| Joint | 608 | 26.9% of 499 decided |
| Sex Not Available | 152 | 24.5% of 102 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. 1687 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