Mortgage Approval and Denial Rates in Alabama (2025 HMDA)

Mortgage denial rates in Alabama: lenders acted on 206,122 mortgage applications in Alabama in 2025 and denied 19.6% of them, down from 20.9% in 2024. The national denial rate was 17.7%.

Applications acted on

206,122

Loans originated

114,635

Denial rate

19.6%

Median loan

$165,000

Alabama against the national picture

Alabama denial rate19.6%
National denial rate17.7%
Alabama, 202420.9%

Most-reported denial reason in Alabama: Credit history.

Counties ranked by denial rate

CountyApplicationsDenial rateMedian loan
Bullock County21341.3%$115,000
Macon County52140.3%$105,000
Wilcox County27839.6%$95,000
Perry County21137.9%$95,000
Greene County16036.9%$100,000
Conecuh County28636.0%$115,000
Lowndes County34535.9%$115,000
Sumter County25435.0%$105,000
Choctaw County25034.0%$105,000
Dallas County76333.2%$105,000
Hale County46333.0%$115,000
Monroe County47732.7%$115,000
Marengo County53332.1%$105,000
Butler County59831.4%$105,000
Clarke County62930.4%$115,000
Coosa County36829.3%$135,000
Bibb County71129.0%$115,000
Clay County38128.9%$115,000
Pike County1,11528.2%$135,000
Washington County51026.9%$125,000
Crenshaw County43126.7%$105,000
Lawrence County1,41426.4%$125,000
Walker County2,41326.3%$125,000
Covington County1,22226.0%$125,000
Escambia County1,07225.8%$125,000
Talladega County3,10825.7%$145,000
Barbour County58525.5%$135,000
Henry County92825.4%$135,000
Lamar County37024.6%$105,000
Cherokee County1,10224.4%$155,000
Marion County81423.8%$115,000
Cleburne County58723.7%$145,000
Fayette County57823.7%$125,000
Randolph County87623.6%$155,000
Chambers County1,07023.0%$135,000
Franklin County80023.0%$125,000
Geneva County1,10522.7%$125,000
DeKalb County2,36422.6%$145,000
Chilton County1,96922.4%$135,000
Pickens County49922.4%$105,000
Calhoun County4,23922.0%$135,000
Dale County1,76021.7%$145,000
Cullman County3,76321.6%$155,000
Mobile County14,67721.5%$155,000
Blount County2,35421.0%$155,000
Tallapoosa County1,66521.0%$165,000
Montgomery County8,33120.9%$145,000
Etowah County3,65420.7%$135,000
Houston County4,44520.1%$155,000
Jackson County1,92320.0%$135,000
Winston County95219.7%$135,000
Tuscaloosa County7,77019.6%$185,000
Jefferson County25,46819.3%$155,000
Russell County2,55918.4%$195,000
St. Clair County4,67518.2%$195,000
Coffee County2,66417.7%$175,000
Baldwin County15,49517.6%$255,000
Autauga County2,80217.6%$175,000
Marshall County3,73217.5%$175,000
Morgan County5,01517.4%$165,000
Elmore County4,22717.4%$185,000
Lee County7,74916.2%$225,000
Madison County20,18115.6%$225,000
Colbert County2,37815.3%$145,000
Shelby County10,93315.2%$225,000
Lauderdale County3,71215.2%$155,000
Limestone County6,62615.1%$235,000

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Reading these numbers

The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.

Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.