Mortgage lending in Madison County, Alabama
Lenders in Madison County, Alabama reported 20,182 mortgage applications for 2025, according to the CFPB.
20,182 mortgage applications and 12,302 loans originated in 2025; the denial rate was 19.3% of 16,265 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Huntsville, AL MSA.
- 20,182
- Applications
- 12,302
- Loans originated
- 19.3%
- Denial rate
- 3,145 denied of 16,265 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 20,182 | 12,302 |
| 2024 | 18,585 | 11,588 |
| 2023 | 17,537 | 10,752 |
| 2022 | 23,704 | 14,852 |
| 2021 | 34,854 | 23,512 |
| 2020 | 33,109 | 22,298 |
| 2019 | 20,272 | 13,254 |
| 2018 | 16,912 | 10,899 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Redstone Federal Credit Union | 1,563 | 2,518 |
| United Wholesale Mortgage | 784 | 1,033 |
| Rocket Mortgage | 739 | 1,011 |
| Regions Bank | 507 | 1,040 |
| Lennar Mortgage, LLC | 379 | 494 |
| DHI Mortgage Company, LTD. | 312 | 442 |
| Firstbank | 306 | 372 |
| Canopy Mortgage, LLC | 285 | 394 |
| Stockton Mortgage Corporation | 282 | 356 |
| Trustmark Bank | 249 | 294 |
| Freedom Mortgage Corporation | 248 | 486 |
| Heritage Mortgage, LLC | 241 | 289 |
| Mortgage Research Center | 225 | 483 |
| Navy Federal Credit Union | 216 | 412 |
| loanDepot.com LLC | 211 | 343 |
| Pennymac Loan Services LLC | 206 | 415 |
| Cadence Bank | 157 | 233 |
| Vanderbilt Mortgage and Finance, Inc | 141 | 350 |
| Pinnacle Bank | 137 | 191 |
| Southstate Bank, National Association | 119 | 160 |
| Kiavi Funding, Inc. | 110 | 146 |
| Nationstar Mortgage | 107 | 173 |
| Bank Independent | 103 | 133 |
| PNC Bank N.A. | 100 | 201 |
| First Community Mortgage, Inc. | 99 | 119 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 189 | 29.1% of 151 decided |
| Asian | 586 | 15.6% of 488 decided |
| Black or African American | 3,505 | 30.5% of 2,796 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 11,854 | 15.5% of 9,722 decided |
| 2 or more minority races | 89 | 41.1% of 73 decided |
| Joint | 359 | 14.9% of 301 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,555 | 21.5% of 2,700 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 879 | 27.1% of 712 decided |
| Not Hispanic or Latino | 15,554 | 18.6% of 12,696 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,375 | 21.2% of 2,552 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 7,900 | 20.4% of 6,372 decided |
| Female | 4,578 | 25.3% of 3,723 decided |
| Joint | 5,588 | 12.8% of 4,587 decided |
| Sex Not Available | 2,116 | 19.9% of 1,583 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. 653 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