Mortgage lending in Elmore County, Alabama
Lenders in Elmore County, Alabama reported 4,227 mortgage applications for 2025, according to the CFPB.
4,227 mortgage applications and 2,503 loans originated in 2025; the denial rate was 21.6% of 3,407 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Montgomery, AL MSA.
- 4,227
- Applications
- 2,503
- Loans originated
- 21.6%
- Denial rate
- 735 denied of 3,407 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,227 | 2,503 |
| 2024 | 3,668 | 2,162 |
| 2023 | 3,116 | 1,746 |
| 2022 | 4,281 | 2,401 |
| 2021 | 6,516 | 4,169 |
| 2020 | 6,168 | 3,985 |
| 2019 | 3,865 | 2,448 |
| 2018 | 3,316 | 2,009 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guild Mortgage Company | 171 | 211 |
| Max Credit Union | 167 | 248 |
| United Wholesale Mortgage | 147 | 200 |
| Rocket Mortgage | 135 | 193 |
| Trustmark Bank | 128 | 159 |
| Crosscountry Mortgage, LLC | 106 | 140 |
| Fairway Independent Mort Corp | 90 | 113 |
| River Bank & Trust | 84 | 101 |
| Regions Bank | 84 | 173 |
| Mortgage Research Center | 67 | 115 |
| 21ST Mortgage | 67 | 244 |
| Renasant Bank | 66 | 71 |
| Movement Mortgage, LLC | 66 | 84 |
| Guardian Credit Union | 66 | 109 |
| First Community Bank of Central Alabama | 57 | 68 |
| Navy Federal Credit Union | 43 | 92 |
| DHI Mortgage Company, LTD. | 42 | 67 |
| Alabama State Employees CU | 39 | 39 |
| Towne Mortgage Company | 38 | 42 |
| Pennymac Loan Services LLC | 36 | 75 |
| Newrez LLC | 32 | 59 |
| loanDepot.com LLC | 29 | 46 |
| Nationstar Mortgage | 29 | 35 |
| Firstbank | 21 | 54 |
| CB&S Bank | 21 | 27 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 18 | no rate: base under 50 |
| Asian | 42 | no rate: base under 50 |
| Black or African American | 703 | 41.4% of 553 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,887 | 16.3% of 2,372 decided |
| 2 or more minority races | under 10 | |
| Joint | 47 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 523 | 25.8% of 400 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 89 | 15.2% of 66 decided |
| Not Hispanic or Latino | 3,466 | 20.2% of 2,817 decided |
| Joint | withheld | |
| Ethnicity Not Available | 607 | 31.1% of 473 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,554 | 19.3% of 1,231 decided |
| Female | 992 | 31.6% of 781 decided |
| Joint | 1,348 | 15.8% of 1,130 decided |
| Sex Not Available | 333 | 27.6% of 265 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. 965 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