Mortgage lending in St. Clair County, Alabama
Lenders in St. Clair County, Alabama reported 4,675 mortgage applications for 2025, according to the CFPB.
4,675 mortgage applications and 2,689 loans originated in 2025; the denial rate was 22.9% of 3,720 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Birmingham-Hoover, AL HUD Metro FMR Area.
- 4,675
- Applications
- 2,689
- Loans originated
- 22.9%
- Denial rate
- 853 denied of 3,720 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,675 | 2,689 |
| 2024 | 4,320 | 2,448 |
| 2023 | 3,882 | 2,177 |
| 2022 | 5,060 | 2,903 |
| 2021 | 7,330 | 4,591 |
| 2020 | 6,932 | 4,342 |
| 2019 | 4,844 | 2,935 |
| 2018 | 4,249 | 2,485 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 155 | 214 |
| United Wholesale Mortgage | 152 | 198 |
| Regions Bank | 121 | 233 |
| DHI Mortgage Company, LTD. | 111 | 180 |
| America's First Federal Cu | 108 | 167 |
| Metro Bank | 105 | 116 |
| Southpoint Bank | 83 | 111 |
| Fairway Independent Mort Corp | 64 | 82 |
| Lendlo Mortgage, LLC | 54 | 68 |
| Freedom Mortgage Corporation | 51 | 112 |
| Acrisure Mortgage, LLC | 50 | 59 |
| loanDepot.com LLC | 47 | 74 |
| Pennymac Loan Services LLC | 44 | 85 |
| Mortgage Research Center | 43 | 91 |
| Stockton Mortgage Corporation | 42 | 59 |
| Firstbank | 41 | 90 |
| PNC Bank N.A. | 39 | 67 |
| Cadence Bank | 39 | 58 |
| 21ST Mortgage | 37 | 143 |
| Canopy Mortgage, LLC | 37 | 50 |
| Guild Mortgage Company | 36 | 74 |
| Assurance Financial Group, L.L.C. | 34 | 41 |
| Vanderbilt Mortgage and Finance, Inc | 34 | 232 |
| Avadian Credit Union | 33 | 41 |
| First Federal Bank | 33 | 42 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 14 | no rate: base under 50 |
| Asian | 36 | no rate: base under 50 |
| Black or African American | 599 | 28.6% of 465 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,430 | 21.4% of 2,765 decided |
| 2 or more minority races | withheld | |
| Joint | 49 | no rate: base under 50 |
| Race Not Available | 531 | 26.2% of 401 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 86 | 28.3% of 60 decided |
| Not Hispanic or Latino | 3,931 | 21.8% of 3,162 decided |
| Joint | withheld | |
| Ethnicity Not Available | 601 | 30.3% of 452 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,749 | 23.3% of 1,389 decided |
| Female | 1,112 | 27.0% of 892 decided |
| Joint | 1,491 | 19.2% of 1,198 decided |
| Sex Not Available | 323 | 24.5% of 241 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. 966 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