Mortgage lending in Monroe County, Alabama
Lenders in Monroe County, Alabama reported 477 mortgage applications for 2025, according to the CFPB.
477 mortgage applications and 213 loans originated in 2025; the denial rate was 40.2% of 388 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Monroe County, AL.
- 477
- Applications
- 213
- Loans originated
- 40.2%
- Denial rate
- 156 denied of 388 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 477 | 213 |
| 2024 | 447 | 213 |
| 2023 | 479 | 190 |
| 2022 | 532 | 243 |
| 2021 | 629 | 319 |
| 2020 | 545 | 279 |
| 2019 | 461 | 249 |
| 2018 | 499 | 262 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 24 | 38 |
| A&d Mortgage LLC | 16 | 17 |
| Trustmark Bank | 11 | 19 |
| United Wholesale Mortgage | 11 | 18 |
| First Nation Bank and Trust | 10 | 11 |
| Regions Bank | 10 | 30 |
| Gulf Winds Credit Union | 8 | 15 |
| Fairway Independent Mort Corp | 7 | 8 |
| United Bank | 7 | 13 |
| Firstbank | 6 | 11 |
| 21ST Mortgage | 6 | 46 |
| Vanderbilt Mortgage and Finance, Inc | 5 | 38 |
| loanDepot.com LLC | 5 | 8 |
| Movement Mortgage, LLC | 5 | 5 |
| Freedom Mortgage Corporation | 4 | 13 |
| Flagstar Bank NA | 4 | 4 |
| Synergy One Lending, Inc. | 3 | 3 |
| Guild Mortgage Company | 3 | 4 |
| Triad Financial Services, Inc. | 3 | 10 |
| Amerisave Mortgage Company | 3 | 12 |
| Cadence Bank | 3 | 7 |
| Ark-LA-Tex Financial Services LLC | 2 | 2 |
| Southwest Stage Funding LLC | 2 | 4 |
| New American Funding, LLC. | 2 | 9 |
| Mortgage Solutions of Colorado | 2 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 139 | 62.0% of 113 decided |
| White | 253 | 27.9% of 208 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 66 | 41.2% of 51 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 381 | 38.5% of 309 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 84 | 47.1% of 68 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 201 | 36.5% of 156 decided |
| Female | 136 | 49.5% of 111 decided |
| Joint | 98 | 37.5% of 88 decided |
| Sex Not Available | 42 | 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. 2117 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