Mortgage lending in Lauderdale County, Alabama
Lenders in Lauderdale County, Alabama reported 3,712 mortgage applications for 2025, according to the CFPB.
3,712 mortgage applications and 2,433 loans originated in 2025; the denial rate was 18.0% of 3,140 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Florence-Muscle Shoals, AL MSA.
- 3,712
- Applications
- 2,433
- Loans originated
- 18.0%
- Denial rate
- 565 denied of 3,140 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,712 | 2,433 |
| 2024 | 3,223 | 2,053 |
| 2023 | 3,057 | 1,932 |
| 2022 | 4,020 | 2,667 |
| 2021 | 5,113 | 3,513 |
| 2020 | 4,984 | 3,411 |
| 2019 | 3,556 | 2,298 |
| 2018 | 3,304 | 2,179 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bank Independent | 370 | 477 |
| Listerhill Credit Union | 214 | 228 |
| Rocket Mortgage | 149 | 204 |
| Trustmark Bank | 137 | 178 |
| Regions Bank | 125 | 229 |
| Assurance Financial Group, L.L.C. | 93 | 130 |
| Towne Mortgage Company | 69 | 80 |
| First Metro Bank | 64 | 74 |
| United Community Bank | 55 | 69 |
| United Wholesale Mortgage | 50 | 85 |
| First Southern Bank | 47 | 57 |
| TVA Community Credit Union | 46 | 52 |
| First Federal Bank | 41 | 51 |
| River Bank & Trust | 35 | 47 |
| Pennymac Loan Services LLC | 35 | 58 |
| Renasant Bank | 34 | 42 |
| Mortgage Research Center | 34 | 67 |
| CB&S Bank | 33 | 48 |
| Wolfe Financial Inc | 28 | 43 |
| New American Funding, LLC. | 25 | 51 |
| Redstone Federal Credit Union | 25 | 41 |
| Planet Home Lending, LLC | 22 | 30 |
| Navy Federal Credit Union | 20 | 42 |
| Southwest Funding LP | 20 | 32 |
| Firstbank | 20 | 31 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 32 | no rate: base under 50 |
| Black or African American | 183 | 33.6% of 146 decided |
| White | 2,980 | 16.5% of 2,544 decided |
| 2 or more minority races | under 10 | |
| Joint | 47 | no rate: base under 50 |
| Race Not Available | 463 | 21.0% of 376 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 69 | 16.4% of 55 decided |
| Not Hispanic or Latino | 3,119 | 17.6% of 2,649 decided |
| Joint | 25 | no rate: base under 50 |
| Ethnicity Not Available | 499 | 21.4% of 411 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,355 | 18.1% of 1,158 decided |
| Female | 742 | 21.9% of 608 decided |
| Joint | 1,273 | 15.1% of 1,092 decided |
| Sex Not Available | 342 | 20.6% of 282 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. 1527 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