Mortgage lending in Etowah County, Alabama
Lenders in Etowah County, Alabama reported 3,656 mortgage applications for 2025, according to the CFPB.
3,656 mortgage applications and 2,052 loans originated in 2025; the denial rate was 25.3% of 3,000 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: Gadsden, AL MSA.
- 3,656
- Applications
- 2,052
- Loans originated
- 25.3%
- Denial rate
- 758 denied of 3,000 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,656 | 2,052 |
| 2024 | 3,412 | 1,895 |
| 2023 | 3,133 | 1,751 |
| 2022 | 3,905 | 2,193 |
| 2021 | 4,873 | 2,995 |
| 2020 | 4,265 | 2,678 |
| 2019 | 3,221 | 1,906 |
| 2018 | 3,029 | 1,780 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Family Savings Credit Union | 154 | 196 |
| Emblem Credit Union | 124 | 195 |
| Rocket Mortgage | 120 | 178 |
| Regions Bank | 114 | 249 |
| Renasant Bank | 80 | 91 |
| First Federal Bank | 74 | 95 |
| Kind Lending, LLC | 69 | 96 |
| Towne Mortgage Company | 68 | 83 |
| United Wholesale Mortgage | 61 | 94 |
| Guild Mortgage Company | 58 | 99 |
| Stockton Mortgage Corporation | 48 | 66 |
| Movement Mortgage, LLC | 46 | 67 |
| River Bank & Trust | 39 | 44 |
| Mortgage Research Center | 39 | 80 |
| Metro Bank | 38 | 47 |
| The Exchange Bank of Alabama | 38 | 48 |
| Mortgage Investors Group | 37 | 44 |
| New American Funding, LLC. | 32 | 67 |
| Liberty Bank | 31 | 31 |
| Freedom Mortgage Corporation | 31 | 63 |
| Pennymac Loan Services LLC | 31 | 67 |
| 21ST Mortgage | 22 | 108 |
| Vanderbilt Mortgage and Finance, Inc | 21 | 160 |
| Hunt Mortgage Corporation | 21 | 25 |
| Nationstar Mortgage | 21 | 29 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 25 | no rate: base under 50 |
| Asian | 39 | no rate: base under 50 |
| Black or African American | 334 | 45.2% of 259 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,808 | 22.0% of 2,345 decided |
| 2 or more minority races | withheld | |
| Joint | 42 | no rate: base under 50 |
| Race Not Available | 391 | 32.0% of 297 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 123 | 31.7% of 101 decided |
| Not Hispanic or Latino | 3,057 | 24.1% of 2,524 decided |
| Joint | withheld | |
| Ethnicity Not Available | 428 | 31.4% of 331 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,406 | 23.1% of 1,153 decided |
| Female | 850 | 32.5% of 695 decided |
| Joint | 1,142 | 21.5% of 962 decided |
| Sex Not Available | 258 | 31.1% of 190 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. 1691 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