Alabama One
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Alabama One 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Alabama One 1215 Veterans Memorial Parkway Tuscaloosa, AL 35404 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 632 |
| Total Mortgage Loan Application Amount | $98,450,000 |
| Average Mortgage Loan Application Amount | $165,400 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $102,800 |
| Highest Applicant Income | $1,385,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Alabama One. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Alabama One's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Alabama One's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Alabama One serves its applicants.
Each category highlights the total number of mortgage applications processed by Alabama One, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Alabama One's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tuscaloosa County Alabama | 414 | $ 65,540,000 | $ 158,000 | $ 90,000 |
| Pickens County Alabama | 31 | $ 4,095,000 | $ 132,000 | $ 196,000 |
| Hale County Alabama | 28 | $ 3,770,000 | $ 134,000 | $ 58,000 |
| Fayette County Alabama | 18 | $ 1,570,000 | $ 87,000 | $ 73,000 |
| Bibb County Alabama | 17 | $ 2,545,000 | $ 149,000 | $ 53,000 |
| Jefferson County Alabama | 15 | $ 2,865,000 | $ 191,000 | $ 109,000 |
| Mobile County Alabama | 13 | $ 2,485,000 | $ 191,000 | $ 68,000 |
| Baldwin County Alabama | 12 | $ 2,870,000 | $ 239,000 | $ 153,000 |
| Shelby County Alabama | 10 | $ 2,220,000 | $ 222,000 | $ 95,000 |
| Marengo County Alabama | 6 | $ 640,000 | $ 106,000 | $ 47,000 |
| Greene County Alabama | 5 | $ 555,000 | $ 111,000 | $ 133,000 |
| Washington County Alabama | 5 | $ 425,000 | $ 85,000 | $ 34,000 |
| Autauga County Alabama | 4 | $ 950,000 | $ 237,000 | $ 120,000 |
| Covington County Alabama | 4 | $ 950,000 | $ 237,000 | $ 0 |
| Montgomery County Alabama | 4 | $ 400,000 | $ 100,000 | $ 69,000 |
| Talladega County Alabama | 4 | $ 770,000 | $ 192,000 | $ 0 |
| Geneva County Alabama | 3 | $ 245,000 | $ 81,000 | $ 101,000 |
| Lamar County Alabama | 3 | $ 355,000 | $ 118,000 | $ 37,000 |
| Limestone County Alabama | 3 | $ 485,000 | $ 161,000 | $ 38,000 |
| Perry County Alabama | 3 | $ 275,000 | $ 91,000 | $ 109,000 |
| Butler County Alabama | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Choctaw County Alabama | 2 | $ 190,000 | $ 95,000 | $ 12,000 |
| St. Clair County Alabama | 2 | $ 230,000 | $ 115,000 | $ 44,000 |
| Lowndes County Mississippi | 2 | $ 470,000 | $ 235,000 | $ 104,000 |
| Barbour County Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Blount County Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Bullock County Alabama | 1 | $ 95,000 | $ 95,000 | $ 163,000 |
| Calhoun County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Clarke County Alabama | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Coosa County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cullman County Alabama | 1 | $ 225,000 | $ 225,000 | $ 0 |
| DeKalb County Alabama | 1 | $ 215,000 | $ 215,000 | $ 237,000 |
| Elmore County Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Escambia County Alabama | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Lauderdale County Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lee County Alabama | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Madison County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Marshall County Alabama | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Morgan County Alabama | 1 | $ 255,000 | $ 255,000 | $ 158,000 |
| Sumter County Alabama | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Tallapoosa County Alabama | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Walker County Alabama | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Winston County Alabama | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Okaloosa County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Kemper County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Alabama One in 2021
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 255 | $36,835,000 | $144,000 | $585,000 | $146,000 | $163,000 |
| Refinancing | 181 | $30,075,000 | $166,000 | $725,000 | $98,000 | $152,000 |
| Home Purchase | 141 | $24,415,000 | $173,000 | $725,000 | $86,000 | $652,000 |
| Other Purpose | 51 | $6,235,000 | $122,000 | $645,000 | $119,000 | $1,385,000 |
| Home Improvement | 4 | $890,000 | $222,000 | $425,000 | $65,000 | $86,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 472 | $78,300,000 | $165,000 | $725,000 | $104,000 | $1,385,000 |
| Black or African American | 106 | $12,630,000 | $119,000 | $505,000 | $56,000 | $103,000 |
| Not Provided | 43 | $5,395,000 | $125,000 | $375,000 | $71,000 | $190,000 |
| Hispanic | 4 | $930,000 | $232,000 | $355,000 | $72,000 | $109,000 |
| Asian | 2 | $350,000 | $175,000 | $215,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $69,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 632 | $98,450,000 | $155,000 | $725,000 | $95,000 | $1,385,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 489 | $80,455,000 | $164,000 | $725,000 | $102,000 | $1,385,000 |
| Application Withdrawn By Applicant | 104 | $14,250,000 | $137,000 | $505,000 | $70,000 | $203,000 |
| Application Denied By Financial Institution | 39 | $3,745,000 | $96,000 | $365,000 | $50,000 | $109,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 593 | $94,705,000 | $159,000 | $725,000 | $98,000 | $1,385,000 |
| Credit History | 29 | $2,805,000 | $96,000 | $265,000 | $51,000 | $109,000 |
| Debt-To-Income Ratio | 5 | $575,000 | $115,000 | $365,000 | $64,000 | $71,000 |
| Collateral | 2 | $140,000 | $70,000 | $125,000 | $39,000 | $39,000 |
| Other | 2 | $140,000 | $70,000 | $115,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alabama One's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Alabama One's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.