Mortgage lending in Clay County, Alabama
Lenders in Clay County, Alabama reported 381 mortgage applications for 2025, according to the CFPB.
381 mortgage applications and 167 loans originated in 2025; the denial rate was 36.8% of 299 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Clay County, AL.
- 381
- Applications
- 167
- Loans originated
- 36.8%
- Denial rate
- 110 denied of 299 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 381 | 167 |
| 2024 | 369 | 135 |
| 2023 | 351 | 140 |
| 2022 | 424 | 167 |
| 2021 | 421 | 194 |
| 2020 | 395 | 177 |
| 2019 | 316 | 141 |
| 2018 | 301 | 120 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 14 | 21 |
| Peoples Mortgage Company | 13 | 16 |
| 21ST Mortgage | 11 | 49 |
| United Wholesale Mortgage | 7 | 7 |
| Mortgage Research Center | 6 | 15 |
| Fairway Independent Mort Corp | 6 | 7 |
| CSL Financial, LLC | 5 | 5 |
| Vanderbilt Mortgage and Finance, Inc | 5 | 43 |
| Triad Financial Services, Inc. | 5 | 25 |
| Regions Bank | 5 | 14 |
| America's First Federal Cu | 4 | 5 |
| First Bank of Alabama | 4 | 5 |
| Firstbank | 4 | 16 |
| Alabama ONE Credit Union | 4 | 5 |
| American Pacific Mortgage Corporation | 3 | 3 |
| PNC Bank N.A. | 3 | 4 |
| Usaa Federal Savings Bank | 3 | 3 |
| Truist Bank | 3 | 10 |
| AlaTrust Credit Union | 2 | 2 |
| Aod Federal Credit Union | 2 | 2 |
| Renasant Bank | 2 | 2 |
| River Bank & Trust | 2 | 3 |
| loanDepot.com LLC | 2 | 6 |
| New American Funding, LLC. | 2 | 4 |
| Kind Lending, LLC | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 37 | no rate: base under 50 |
| White | 301 | 32.5% of 240 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 35 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 314 | 34.5% of 249 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 57 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 156 | 29.8% of 124 decided |
| Female | 86 | 44.9% of 69 decided |
| Joint | 117 | 40.7% of 91 decided |
| Sex Not Available | 22 | no rate: base under 50 |
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. 2113 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