Mortgage lending in Morgan County, Alabama
Lenders in Morgan County, Alabama reported 5,015 mortgage applications for 2025, according to the CFPB.
5,015 mortgage applications and 2,896 loans originated in 2025; the denial rate was 22.0% of 3,973 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Decatur, AL MSA.
- 5,015
- Applications
- 2,896
- Loans originated
- 22.0%
- Denial rate
- 875 denied of 3,973 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,015 | 2,896 |
| 2024 | 4,657 | 2,586 |
| 2023 | 4,358 | 2,454 |
| 2022 | 5,616 | 3,306 |
| 2021 | 7,412 | 4,645 |
| 2020 | 6,729 | 4,249 |
| 2019 | 4,776 | 2,924 |
| 2018 | 4,443 | 2,725 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Redstone Federal Credit Union | 286 | 492 |
| Rocket Mortgage | 219 | 291 |
| United Wholesale Mortgage | 131 | 197 |
| Regions Bank | 127 | 238 |
| New American Funding, LLC. | 101 | 169 |
| Renasant Bank | 79 | 106 |
| River Bank & Trust | 70 | 85 |
| Bank Independent | 69 | 92 |
| Mortgage Research Center | 63 | 107 |
| Synovus Bank | 58 | 79 |
| Freedom Mortgage Corporation | 56 | 121 |
| Pennymac Loan Services LLC | 54 | 107 |
| Fairway Independent Mort Corp | 53 | 72 |
| Stockton Mortgage Corporation | 53 | 71 |
| Southpoint Bank | 52 | 64 |
| PNC Bank N.A. | 48 | 76 |
| United Community Bank | 38 | 51 |
| Heritage Mortgage, LLC | 37 | 52 |
| Kiavi Funding, Inc. | 33 | 46 |
| Mortgage Investors Group | 33 | 35 |
| loanDepot.com LLC | 32 | 64 |
| Family Security Credit Union | 30 | 47 |
| Cadence Bank | 29 | 45 |
| Vanderbilt Mortgage and Finance, Inc | 28 | 237 |
| Navy Federal Credit Union | 28 | 55 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 40 | no rate: base under 50 |
| Asian | 40 | no rate: base under 50 |
| Black or African American | 476 | 35.2% of 364 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,659 | 19.7% of 2,939 decided |
| 2 or more minority races | under 10 | |
| Joint | 80 | 18.5% of 54 decided |
| Race Not Available | 707 | 26.6% of 538 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 240 | 24.7% of 190 decided |
| Not Hispanic or Latino | 3,993 | 21.4% of 3,187 decided |
| Joint | 60 | 18.0% of 50 decided |
| Ethnicity Not Available | 722 | 25.3% of 546 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,949 | 22.2% of 1,557 decided |
| Female | 1,131 | 26.9% of 887 decided |
| Joint | 1,477 | 18.0% of 1,188 decided |
| Sex Not Available | 458 | 22.6% of 341 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. 1361 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