Mortgage lending in Jackson County, Alabama
Lenders in Jackson County, Alabama reported 1,923 mortgage applications for 2025, according to the CFPB.
1,923 mortgage applications and 1,008 loans originated in 2025; the denial rate was 26.0% of 1,477 applications decided. The median loan was about $150,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Jackson County, AL.
- 1,923
- Applications
- 1,008
- Loans originated
- 26.0%
- Denial rate
- 384 denied of 1,477 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,923 | 1,008 |
| 2024 | 1,732 | 936 |
| 2023 | 1,550 | 829 |
| 2022 | 1,898 | 1,062 |
| 2021 | 2,299 | 1,356 |
| 2020 | 2,019 | 1,207 |
| 2019 | 1,516 | 922 |
| 2018 | 1,477 | 916 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Redstone Federal Credit Union | 124 | 202 |
| First Jackson Bank, Inc | 80 | 88 |
| Rocket Mortgage | 64 | 122 |
| Canopy Mortgage, LLC | 49 | 66 |
| Citizens Bank & Trust, Inc. | 38 | 40 |
| Renasant Bank | 36 | 38 |
| Cadence Bank | 33 | 55 |
| Regions Bank | 32 | 70 |
| United Wholesale Mortgage | 28 | 42 |
| Vanderbilt Mortgage and Finance, Inc | 25 | 171 |
| Fairway Independent Mort Corp | 25 | 35 |
| Mortgage Research Center | 23 | 51 |
| loanDepot.com LLC | 18 | 40 |
| New American Funding, LLC. | 18 | 41 |
| Family Savings Credit Union | 18 | 23 |
| 21ST Mortgage | 18 | 54 |
| Freedom Mortgage Corporation | 17 | 30 |
| Firstbank | 13 | 24 |
| Citizens Bank & Trust | 11 | 13 |
| Union Home Mortgage Corp. | 10 | 11 |
| Southwest Stage Funding LLC | 9 | 34 |
| Peoples Independent Bank | 9 | 10 |
| Nationstar Mortgage | 9 | 17 |
| Bank of Dade | 9 | 10 |
| Triad Financial Services, Inc. | 8 | 20 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 26 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 42 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,607 | 24.8% of 1,249 decided |
| 2 or more minority races | under 10 | |
| Joint | 34 | no rate: base under 50 |
| Race Not Available | 204 | 31.3% of 144 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 45 | no rate: base under 50 |
| Not Hispanic or Latino | 1,610 | 25.1% of 1,261 decided |
| Joint | 27 | no rate: base under 50 |
| Ethnicity Not Available | 241 | 30.1% of 156 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 726 | 25.4% of 532 decided |
| Female | 384 | 34.2% of 301 decided |
| Joint | 672 | 20.8% of 543 decided |
| Sex Not Available | 141 | 32.7% of 101 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. 1899 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