Mortgage lending in Franklin County, Alabama
Lenders in Franklin County, Alabama reported 800 mortgage applications for 2025, according to the CFPB.
800 mortgage applications and 432 loans originated in 2025; the denial rate was 28.4% of 647 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Franklin County, AL.
- 800
- Applications
- 432
- Loans originated
- 28.4%
- Denial rate
- 184 denied of 647 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 800 | 432 |
| 2024 | 706 | 387 |
| 2023 | 657 | 384 |
| 2022 | 732 | 421 |
| 2021 | 865 | 509 |
| 2020 | 810 | 510 |
| 2019 | 640 | 363 |
| 2018 | 632 | 363 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| CB&S Bank | 124 | 184 |
| Listerhill Credit Union | 36 | 36 |
| Bank Independent | 31 | 47 |
| First Metro Bank | 22 | 25 |
| Rocket Mortgage | 19 | 27 |
| United Wholesale Mortgage | 17 | 22 |
| Mortgage Research Center | 10 | 19 |
| Regions Bank | 10 | 20 |
| 21ST Mortgage | 8 | 66 |
| Assurance Financial Group, L.L.C. | 7 | 12 |
| Wolfe Financial Inc | 6 | 10 |
| Alabama Central Credit Union | 6 | 10 |
| Freedom Mortgage Corporation | 6 | 10 |
| Pennymac Loan Services LLC | 6 | 10 |
| Land Home Financial Services, | 5 | 5 |
| Peoplestrust Bank | 5 | 5 |
| First National Bank | 5 | 5 |
| TVA Community Credit Union | 4 | 4 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 18 |
| Planet Home Lending, LLC | 4 | 7 |
| Firstbank | 4 | 21 |
| Mortgage Investors Group | 4 | 4 |
| Triad Financial Services, Inc. | 3 | 31 |
| Mutual of Omaha Mortgage | 3 | 5 |
| Spring Eq, LLC | 3 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 18 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 651 | 26.3% of 529 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Free Form Text Only | under 10 | |
| Race Not Available | 97 | 39.7% of 78 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 112 | 37.6% of 93 decided |
| Not Hispanic or Latino | 591 | 26.6% of 478 decided |
| Joint | 13 | no rate: base under 50 |
| Ethnicity Not Available | 84 | 31.3% of 64 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 321 | 34.0% of 259 decided |
| Female | 144 | 28.6% of 112 decided |
| Joint | 281 | 22.0% of 232 decided |
| Sex Not Available | 54 | 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. 2308 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