Mortgage lending in Jefferson County, Alabama
Lenders in Jefferson County, Alabama reported 25,473 mortgage applications for 2025, according to the CFPB.
25,473 mortgage applications and 14,244 loans originated in 2025; the denial rate was 24.4% of 20,092 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Birmingham-Hoover, AL HUD Metro FMR Area.
- 25,473
- Applications
- 14,244
- Loans originated
- 24.4%
- Denial rate
- 4,910 denied of 20,092 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 25,473 | 14,244 |
| 2024 | 23,571 | 13,225 |
| 2023 | 22,078 | 12,317 |
| 2022 | 29,282 | 16,749 |
| 2021 | 42,078 | 26,434 |
| 2020 | 41,226 | 26,250 |
| 2019 | 28,903 | 17,383 |
| 2018 | 25,155 | 14,437 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Regions Bank | 1,098 | 2,509 |
| United Wholesale Mortgage | 793 | 1,109 |
| America's First Federal Cu | 738 | 1,077 |
| Rocket Mortgage | 674 | 1,019 |
| Cadence Bank | 510 | 702 |
| Fairway Independent Mort Corp | 489 | 632 |
| Southstate Bank, National Association | 393 | 591 |
| Avadian Credit Union | 330 | 458 |
| Firstbank | 317 | 422 |
| Renasant Bank | 316 | 424 |
| Trustmark Bank | 269 | 371 |
| PNC Bank N.A. | 245 | 502 |
| Synovus Bank | 233 | 335 |
| Guild Mortgage Company | 230 | 346 |
| Union Home Mortgage Corp. | 211 | 281 |
| Pennymac Loan Services LLC | 183 | 377 |
| Movement Mortgage, LLC | 180 | 256 |
| Kiavi Funding, Inc. | 176 | 496 |
| Prosperity Home Mortgage, LLC | 175 | 243 |
| BPL Mortgage, LLC | 170 | 227 |
| Mortgage Research Center | 159 | 404 |
| loanDepot.com LLC | 154 | 348 |
| Freedom Mortgage Corporation | 150 | 386 |
| DHI Mortgage Company, LTD. | 146 | 228 |
| Loan Funder LLC | 144 | 266 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 79 | 42.3% of 52 decided |
| Asian | 538 | 18.6% of 442 decided |
| Black or African American | 7,225 | 36.2% of 5,571 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 12,430 | 17.3% of 10,253 decided |
| 2 or more minority races | 60 | no rate: base under 50 |
| Joint | 255 | 16.8% of 203 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 4,859 | 27.0% of 3,504 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 750 | 30.4% of 572 decided |
| Not Hispanic or Latino | 19,546 | 23.6% of 15,786 decided |
| Joint | 249 | 26.0% of 200 decided |
| Ethnicity Not Available | 4,915 | 27.1% of 3,524 decided |
| Free Form Text Only | 13 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 8,920 | 26.1% of 7,022 decided |
| Female | 7,080 | 29.9% of 5,643 decided |
| Joint | 6,062 | 15.3% of 5,027 decided |
| Sex Not Available | 3,411 | 26.2% of 2,400 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. 1229 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