Mortgage lending in Montgomery County, Alabama
Lenders in Montgomery County, Alabama reported 8,331 mortgage applications for 2025, according to the CFPB.
8,331 mortgage applications and 4,341 loans originated in 2025; the denial rate was 27.2% of 6,408 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: Montgomery, AL MSA.
- 8,331
- Applications
- 4,341
- Loans originated
- 27.2%
- Denial rate
- 1,742 denied of 6,408 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,331 | 4,341 |
| 2024 | 7,802 | 4,221 |
| 2023 | 6,586 | 3,495 |
| 2022 | 8,911 | 4,777 |
| 2021 | 12,900 | 7,644 |
| 2020 | 10,810 | 6,532 |
| 2019 | 7,079 | 4,018 |
| 2018 | 6,352 | 3,460 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guild Mortgage Company | 394 | 555 |
| Max Credit Union | 247 | 440 |
| Rocket Mortgage | 223 | 364 |
| United Wholesale Mortgage | 210 | 310 |
| Trustmark Bank | 192 | 330 |
| Renasant Bank | 192 | 266 |
| Regions Bank | 179 | 495 |
| Crosscountry Mortgage, LLC | 149 | 237 |
| Fairway Independent Mort Corp | 126 | 174 |
| Movement Mortgage, LLC | 118 | 164 |
| Mortgage Research Center | 106 | 223 |
| DHI Mortgage Company, LTD. | 99 | 189 |
| Navy Federal Credit Union | 93 | 238 |
| Kiavi Funding, Inc. | 77 | 217 |
| CMG Mortgage Inc | 77 | 97 |
| River Bank & Trust | 75 | 88 |
| Pennymac Loan Services LLC | 68 | 129 |
| Synovus Bank | 67 | 104 |
| Guardian Credit Union | 60 | 177 |
| BPL Mortgage, LLC | 59 | 76 |
| Freedom Mortgage Corporation | 57 | 141 |
| Assurance Financial Group, L.L.C. | 45 | 60 |
| PNC Bank N.A. | 43 | 119 |
| Nationstar Mortgage | 41 | 55 |
| loanDepot.com LLC | 40 | 87 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 27 | no rate: base under 50 |
| Asian | 372 | 14.5% of 296 decided |
| Black or African American | 3,743 | 34.7% of 2,897 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,288 | 17.4% of 1,846 decided |
| 2 or more minority races | 30 | no rate: base under 50 |
| Joint | 69 | 20.0% of 50 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,794 | 26.7% of 1,267 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 272 | 25.4% of 209 decided |
| Not Hispanic or Latino | 6,156 | 26.8% of 4,859 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,790 | 28.9% of 1,255 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,984 | 27.3% of 2,310 decided |
| Female | 2,695 | 30.4% of 2,122 decided |
| Joint | 1,514 | 21.7% of 1,201 decided |
| Sex Not Available | 1,138 | 26.6% of 775 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. 1528 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