Mortgage lending in Shelby County, Alabama
Lenders in Shelby County, Alabama reported 10,935 mortgage applications for 2025, according to the CFPB.
10,935 mortgage applications and 6,758 loans originated in 2025; the denial rate was 18.8% of 8,869 applications decided. The median loan was about $245,000. 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.
- 10,935
- Applications
- 6,758
- Loans originated
- 18.8%
- Denial rate
- 1,664 denied of 8,869 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,935 | 6,758 |
| 2024 | 10,195 | 6,239 |
| 2023 | 9,562 | 5,765 |
| 2022 | 13,045 | 7,917 |
| 2021 | 21,171 | 14,075 |
| 2020 | 21,052 | 14,107 |
| 2019 | 13,097 | 8,573 |
| 2018 | 11,096 | 7,068 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Regions Bank | 623 | 1,139 |
| Rocket Mortgage | 355 | 484 |
| United Wholesale Mortgage | 343 | 437 |
| Avadian Credit Union | 284 | 336 |
| America's First Federal Cu | 251 | 343 |
| DHI Mortgage Company, LTD. | 239 | 341 |
| Fairway Independent Mort Corp | 209 | 267 |
| Firstbank | 208 | 260 |
| Cadence Bank | 151 | 206 |
| Trustmark Bank | 126 | 162 |
| Prosperity Home Mortgage, LLC | 124 | 169 |
| Renasant Bank | 122 | 165 |
| Union Home Mortgage Corp. | 119 | 158 |
| Acrisure Mortgage, LLC | 118 | 142 |
| Pennymac Loan Services LLC | 116 | 211 |
| Movement Mortgage, LLC | 115 | 164 |
| Guild Mortgage Company | 113 | 175 |
| Southpoint Bank | 109 | 141 |
| PNC Bank N.A. | 97 | 193 |
| Vanderbilt Mortgage and Finance, Inc | 91 | 337 |
| Freedom Mortgage Corporation | 85 | 185 |
| Southern Energy Credit Union | 79 | 108 |
| Nationstar Mortgage | 78 | 108 |
| Navy Federal Credit Union | 70 | 138 |
| loanDepot.com LLC | 70 | 160 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 57 | no rate: base under 50 |
| Asian | 270 | 18.9% of 217 decided |
| Black or African American | 1,277 | 28.1% of 1,000 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 7,767 | 16.3% of 6,439 decided |
| 2 or more minority races | 13 | no rate: base under 50 |
| Joint | 169 | 15.3% of 137 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,369 | 25.0% of 1,013 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 499 | 29.9% of 394 decided |
| Not Hispanic or Latino | 8,878 | 17.5% of 7,296 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,392 | 23.5% of 1,044 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,731 | 20.5% of 3,012 decided |
| Female | 2,590 | 21.9% of 2,106 decided |
| Joint | 3,863 | 13.8% of 3,187 decided |
| Sex Not Available | 751 | 25.7% of 564 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. 592 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