Alabama Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 233,875 mortgage applications in Alabama totaling $52.1 billion, up 12% from 2024. The average application was for $222,000, and applicants reported an average income of $120,000. 49% of applications resulted in an originated loan and 17% were denied. The most active lenders were Regions Bank (11,878 applications), PennyMac Loan Services LLC and Vanderbilt Mortgage and Finance, Inc.
See the top mortgage lenders in Alabama, browse lending by metro area and by county, or see the mortgage lenders headquartered in Alabama and Alabama lenders by city.
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Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Alabama's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 233,875 |
| Total Mortgage Loan Application Amount | $52,054,325,000 |
| Average Mortgage Loan Application Amount | $222,000 |
| Highest Mortgage Loan Application Amount | $85,005,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $9,992,000 |
Top 25 Mortgage Lenders in Alabama (2025)
Ranked by the number of mortgage applications each lender received for properties in Alabama in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Alabama mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Alabama.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Regions Bank Birmingham, AL |
11,878 | $1,470,020,000 | $123,759 | $118,725 |
| 2 | PennyMac Loan Services LLC Westlake Village, CA |
9,452 | $2,576,000,000 | $272,534 | $113,479 |
| 3 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
8,471 | $1,047,545,000 | $123,662 | $67,846 |
| 4 | United Wholesale Mortgage Plymouth, MI |
7,717 | $2,156,875,000 | $279,496 | $106,888 |
| 5 | 21st Mortgage Knoxville, TN |
6,516 | $805,290,000 | $123,586 | $68,007 |
| 6 | Mortgage Research Center Columbia, MO |
5,108 | $1,421,270,000 | $278,243 | $104,204 |
| 7 | Newrez LLC Fort Washington, PA |
4,939 | $1,268,395,000 | $256,812 | $108,424 |
| 8 | Freedom Mortgage Corporation Boca Raton, FL |
4,714 | $1,372,520,000 | $291,158 | $102,651 |
| 9 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
4,634 | $1,355,110,000 | $292,427 | $124,608 |
| 10 | Redstone Federal Credit Union Huntsville, AL |
4,548 | $593,650,000 | $130,529 | $122,502 |
| 11 | DHI Mortgage Company, Ltd. Austin, TX |
3,913 | $1,143,525,000 | $292,237 | $98,237 |
| 12 | JPMorgan Chase Bank, NA Columbus, OH |
3,486 | $549,130,000 | $157,524 | $131,127 |
| 13 | Trustmark Bank Jackson, MS |
3,450 | $832,260,000 | $241,234 | $142,909 |
| 14 | Navy Federal Credit Union Vienna, VA |
3,297 | $641,785,000 | $194,657 | $128,655 |
| 15 | Firstbank Nashville, TN |
3,220 | $689,740,000 | $214,204 | $108,586 |
| 16 | Nationstar Mortgage Coppell, TX |
3,174 | $762,840,000 | $240,340 | $110,226 |
| 17 | PNC Bank N.A. Pittsburgh, PA |
2,995 | $418,555,000 | $139,751 | $116,434 |
| 18 | Guild Mortgage Company San Diego, CA |
2,873 | $636,395,000 | $221,508 | $101,657 |
| 19 | loanDepot.com LLC Irvine, CA |
2,697 | $455,175,000 | $168,770 | $85,838 |
| 20 | New American Funding, Llc. Tustin, CA |
2,590 | $463,850,000 | $179,092 | $84,879 |
| 21 | Fairway Independent Mort Corp Madison, WI |
2,572 | $679,810,000 | $264,311 | $120,516 |
| 22 | Planet Home Lending, LLC Meriden, CT |
2,547 | $638,195,000 | $250,567 | $101,042 |
| 23 | Renasant Bank Johns Creek, GA |
2,541 | $713,615,000 | $280,840 | $153,342 |
| 24 | Cadence Bank Tupelo, MS |
2,500 | $714,550,000 | $285,820 | $180,491 |
| 25 | Triad Financial Services, Inc. Jacksonville, FL |
2,469 | $321,745,000 | $130,313 | $75,334 |
The tables below break down 2025 mortgage applications in Alabama by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Alabama in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 123,704 | $31,447,110,000 | $254,000 | $85,005,000 | $120,000 | $9,961,000 |
| Cash-out Refinancing | 38,241 | $7,694,415,000 | $201,000 | $38,105,000 | $106,000 | $9,918,000 |
| Refinancing | 32,745 | $9,218,945,000 | $281,000 | $73,275,000 | $138,000 | $9,842,000 |
| Other Purpose | 22,088 | $2,089,310,000 | $94,000 | $4,005,000 | $125,000 | $8,000,000 |
| Home Improvement | 16,599 | $1,542,185,000 | $92,000 | $53,185,000 | $123,000 | $9,992,000 |
| Not Applicable | 498 | $62,360,000 | $125,000 | $1,205,000 | $76,000 | $353,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 128,632 | $27,284,330,000 | $212,000 | $7,865,000 | $127,000 | $9,918,000 |
| Black or African American | 36,668 | $6,215,680,000 | $169,000 | $2,485,000 | $87,000 | $8,665,000 |
| Not applicable | 32,477 | $10,614,425,000 | $326,000 | $85,005,000 | $128,000 | $6,163,000 |
| Not Provided | 22,414 | $4,937,520,000 | $220,000 | $10,005,000 | $131,000 | $9,992,000 |
| Hispanic | 7,976 | $1,613,050,000 | $202,000 | $1,825,000 | $111,000 | $9,204,000 |
| Asian | 3,831 | $1,017,845,000 | $265,000 | $11,005,000 | $150,000 | $8,000,000 |
| American Indian or Alaskan Native | 1,664 | $322,990,000 | $194,000 | $1,575,000 | $107,000 | $5,157,000 |
| Native Hawaiian or Other Pacific Islander | 204 | $47,390,000 | $232,000 | $2,475,000 | $124,000 | $1,250,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 152,741 | $30,412,675,000 | $199,000 | $85,005,000 | $129,000 | $9,992,000 |
| FHA-insured (Federal Housing Administration) | 45,807 | $10,707,085,000 | $233,000 | $53,185,000 | $91,000 | $9,885,000 |
| VA-guaranteed (Veterans Administration) | 31,368 | $10,091,990,000 | $321,000 | $3,155,000 | $118,000 | $9,560,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3,959 | $842,575,000 | $212,000 | $545,000 | $83,000 | $9,000,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 114,656 | $27,880,220,000 | $243,000 | $85,005,000 | $135,000 | $9,961,000 |
| Application Denied By Financial Institution | 40,445 | $6,052,185,000 | $149,000 | $38,005,000 | $88,000 | $9,992,000 |
| Application Withdrawn By Applicant | 27,468 | $6,726,510,000 | $244,000 | $53,185,000 | $121,000 | $9,000,000 |
| Loan Purchased By The Institution | 27,237 | $7,255,065,000 | $266,000 | $3,955,000 | $127,000 | $6,163,000 |
| File Closed For Incompleteness | 14,949 | $2,566,815,000 | $171,000 | $3,725,000 | $94,000 | $9,191,000 |
| Application Approved But Not Accepted | 8,635 | $1,472,375,000 | $170,000 | $9,505,000 | $115,000 | $9,710,000 |
| Preapproval Denied by Financial Institution | 304 | $52,510,000 | $172,000 | $805,000 | $75,000 | $336,000 |
| Preapproval Approved but not Accepted | 181 | $48,645,000 | $268,000 | $915,000 | $111,000 | $600,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 189,191 | $45,023,605,000 | $237,000 | $85,005,000 | $128,000 | $9,961,000 |
| Credit History | 14,795 | $1,810,385,000 | $122,000 | $3,005,000 | $88,000 | $9,992,000 |
| Debt-To-Income Ratio | 13,832 | $2,520,370,000 | $182,000 | $41,205,000 | $87,000 | $8,520,000 |
| Collateral | 5,271 | $834,135,000 | $158,000 | $5,145,000 | $110,000 | $4,890,000 |
| Credit Application Incomplete | 4,486 | $723,160,000 | $161,000 | $3,995,000 | $100,000 | $2,292,000 |
| Other | 2,803 | $542,895,000 | $193,000 | $38,005,000 | $110,000 | $5,952,000 |
| Unverifiable Information | 2,127 | $325,575,000 | $153,000 | $1,755,000 | $92,000 | $4,292,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 977 | $201,825,000 | $206,000 | $1,685,000 | $104,000 | $3,366,000 |
| Employment History | 384 | $70,910,000 | $184,000 | $925,000 | $85,000 | $1,010,000 |
| Mortgage Insurance Denied | 9 | $1,465,000 | $162,000 | $355,000 | $91,000 | $200,000 |
Mortgage Loan Application Totals in 2025 by Alabama Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anniston-Oxford-Jacksonville, AL | 4,777 | $ 739,585,000 | $ 154,000 | $ 87,000 |
| Auburn-Opelika, AL | 9,343 | $ 2,610,395,000 | $ 279,000 | $ 136,000 |
| Birmingham-Hoover, AL | 54,876 | $ 12,524,760,000 | $ 228,000 | $ 129,000 |
| Daphne-Fairhope-Foley, AL | 17,727 | $ 5,367,715,000 | $ 302,000 | $ 154,000 |
| Decatur, AL | 7,244 | $ 1,398,730,000 | $ 193,000 | $ 100,000 |
| Dothan, AL | 7,087 | $ 1,282,235,000 | $ 180,000 | $ 106,000 |
| Florence-Muscle Shoals, AL | 6,911 | $ 1,321,685,000 | $ 191,000 | $ 106,000 |
| Gadsden, AL | 4,126 | $ 772,830,000 | $ 187,000 | $ 101,000 |
| Huntsville, AL | 32,005 | $ 8,667,205,000 | $ 270,000 | $ 128,000 |
| Mobile, AL | 16,659 | $ 3,262,635,000 | $ 195,000 | $ 112,000 |
| Montgomery, AL | 17,503 | $ 3,461,885,000 | $ 197,000 | $ 107,000 |
| Tuscaloosa, AL | 10,244 | $ 2,207,370,000 | $ 215,000 | $ 119,000 |
Mortgage Loan Application Totals in 2025 by Alabama County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Autauga | 3,110 | $ 635,640,000 | $ 204,000 | $ 108,000 |
| Baldwin | 17,727 | $ 5,367,715,000 | $ 302,000 | $ 154,000 |
| Barbour | 640 | $ 96,820,000 | $ 151,000 | $ 87,000 |
| Bibb | 761 | $ 115,635,000 | $ 151,000 | $ 83,000 |
| Blount | 2,587 | $ 444,565,000 | $ 171,000 | $ 101,000 |
| Bullock | 222 | $ 30,100,000 | $ 135,000 | $ 79,000 |
| Butler | 638 | $ 85,240,000 | $ 133,000 | $ 80,000 |
| Calhoun | 4,777 | $ 739,585,000 | $ 154,000 | $ 87,000 |
| Chambers | 1,196 | $ 193,490,000 | $ 161,000 | $ 78,000 |
| Cherokee | 1,201 | $ 239,055,000 | $ 199,000 | $ 126,000 |
| Chilton | 2,221 | $ 371,735,000 | $ 167,000 | $ 97,000 |
| Choctaw | 261 | $ 38,025,000 | $ 145,000 | $ 83,000 |
| Clarke | 688 | $ 96,910,000 | $ 140,000 | $ 83,000 |
| Clay | 419 | $ 61,535,000 | $ 146,000 | $ 92,000 |
| Cleburne | 644 | $ 108,680,000 | $ 168,000 | $ 97,000 |
| Coffee | 2,963 | $ 627,935,000 | $ 211,000 | $ 110,000 |
| Colbert | 2,696 | $ 498,700,000 | $ 184,000 | $ 101,000 |
| Conecuh | 311 | $ 41,585,000 | $ 133,000 | $ 81,000 |
| Coosa | 397 | $ 71,375,000 | $ 179,000 | $ 113,000 |
| Covington | 1,292 | $ 202,000,000 | $ 156,000 | $ 91,000 |
| Crenshaw | 447 | $ 60,345,000 | $ 135,000 | $ 97,000 |
| Cullman | 4,193 | $ 876,515,000 | $ 209,000 | $ 113,000 |
| Dale | 1,961 | $ 323,895,000 | $ 165,000 | $ 89,000 |
| Dallas | 823 | $ 110,515,000 | $ 134,000 | $ 82,000 |
| DeKalb | 2,592 | $ 500,890,000 | $ 193,000 | $ 134,000 |
| Elmore | 4,744 | $ 1,050,850,000 | $ 221,000 | $ 120,000 |
| Escambia | 1,198 | $ 179,450,000 | $ 149,000 | $ 88,000 |
| Etowah | 4,126 | $ 772,830,000 | $ 187,000 | $ 101,000 |
| Fayette | 659 | $ 101,675,000 | $ 154,000 | $ 80,000 |
| Franklin | 886 | $ 130,640,000 | $ 147,000 | $ 86,000 |
| Geneva | 1,183 | $ 178,685,000 | $ 151,000 | $ 85,000 |
| Greene | 167 | $ 20,405,000 | $ 122,000 | $ 85,000 |
| Hale | 507 | $ 70,635,000 | $ 139,000 | $ 73,000 |
| Henry | 996 | $ 179,080,000 | $ 179,000 | $ 104,000 |
| Houston | 4,908 | $ 924,470,000 | $ 188,000 | $ 111,000 |
| Jackson | 2,108 | $ 367,620,000 | $ 174,000 | $ 96,000 |
| Jefferson | 28,627 | $ 6,569,875,000 | $ 229,000 | $ 133,000 |
| Lamar | 418 | $ 54,300,000 | $ 129,000 | $ 76,000 |
| Lauderdale | 4,215 | $ 822,985,000 | $ 195,000 | $ 109,000 |
| Lawrence | 1,542 | $ 241,000,000 | $ 156,000 | $ 88,000 |
| Lee | 8,791 | $ 2,530,425,000 | $ 287,000 | $ 140,000 |
| Limestone | 7,954 | $ 2,126,000,000 | $ 267,000 | $ 122,000 |
| Lowndes | 359 | $ 52,025,000 | $ 144,000 | $ 83,000 |
| Macon | 552 | $ 79,970,000 | $ 144,000 | $ 80,000 |
| Madison | 24,051 | $ 6,541,205,000 | $ 271,000 | $ 130,000 |
| Marengo | 569 | $ 77,665,000 | $ 136,000 | $ 93,000 |
| Marion | 916 | $ 130,710,000 | $ 142,000 | $ 86,000 |
| Marshall | 4,367 | $ 962,115,000 | $ 220,000 | $ 148,000 |
| Mobile | 16,659 | $ 3,262,635,000 | $ 195,000 | $ 112,000 |
| Monroe | 515 | $ 74,215,000 | $ 144,000 | $ 83,000 |
| Montgomery | 9,290 | $ 1,723,370,000 | $ 185,000 | $ 101,000 |
| Morgan | 5,702 | $ 1,157,730,000 | $ 203,000 | $ 104,000 |
| Perry | 220 | $ 24,000,000 | $ 109,000 | $ 70,000 |
| Pickens | 549 | $ 71,765,000 | $ 130,000 | $ 77,000 |
| Pike | 1,227 | $ 210,295,000 | $ 171,000 | $ 106,000 |
| Randolph | 971 | $ 200,685,000 | $ 206,000 | $ 128,000 |
| Russell | 2,969 | $ 618,005,000 | $ 208,000 | $ 115,000 |
| Shelby | 12,630 | $ 3,467,520,000 | $ 274,000 | $ 147,000 |
| St. Clair | 5,377 | $ 1,112,385,000 | $ 206,000 | $ 116,000 |
| Sumter | 268 | $ 32,530,000 | $ 121,000 | $ 80,000 |
| Talladega | 3,483 | $ 590,885,000 | $ 169,000 | $ 92,000 |
| Tallapoosa | 1,818 | $ 556,590,000 | $ 306,000 | $ 193,000 |
| Tuscaloosa | 9,021 | $ 2,044,565,000 | $ 226,000 | $ 126,000 |
| Walker | 2,673 | $ 443,045,000 | $ 165,000 | $ 97,000 |
| Washington | 558 | $ 82,340,000 | $ 147,000 | $ 84,000 |
| Wilcox | 286 | $ 34,050,000 | $ 119,000 | $ 69,000 |
| Winston | 1,049 | $ 244,615,000 | $ 233,000 | $ 147,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Alabama's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Alabama's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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