Jefferson County, AL: mortgage lenders, denial rate and originations, 2024

States › Alabama › Jefferson County

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Lenders reported 23,571 mortgage applications in Jefferson County, Alabama, for 2024, and originated 13,225 loans worth $3.1bn.

That is 49.0 originations per 1,000 households, against 52.4 for Alabama and 48.0 nationally.

The county's denial rate was 24.9%, close to the state rate of 26.3%. The median rate spread on originated loans was 0.3 percentage points and 15.1% of originations were 1.5 points or more above the average prime offer rate.

128 lenders reached 25 applications in the county; the most active by originations were Regions Bank (1,153), United Wholesale Mortgage (675) and SouthState Bank, N.A. (624).

Originations were up 7% on 2023.

23,571applications, 2024

13,225loans originated$3.1bn

24.9%denial rateAL 26.3% · US 24.3%

49.0originations per 1,000 householdsAL 52.4 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Regions Bank	2,616	1,153	$207m	44.6%	—
2	United Wholesale Mortgage	866	675	$166m	11.5%	—
3	SouthState Bank, N.A.	914	624	$89m	16.7%	—
4	Rocket Mortgage	863	618	$120m	20.4%	—
5	America'S First Federal CU	887	551	$47m	24.6%	—
6	Cadence Bank	637	440	$146m	17.8%	—
7	Fairway Independent Mort Corp	421	350	$115m	3.3%	—
8	Firstbank	481	324	$82m	10.1%	—
9	Avadian Credit Union	455	321	$41m	22.8%	—
10	Trustmark National Bank	380	265	$74m	14.1%	—
11	Renasant Bank	326	244	$77m	10.4%	—
12	Synovus Bank	353	230	$52m	20.2%	—
13	PNC Bank N.A.	571	224	$44m	48.1%	—
14	Guild Mortgage Company	351	223	$55m	5.2%	—
15	Movement Mortgage, LLC	320	222	$52m	7.1%	—
16	Prosperity Home Mortgage, LLC	263	204	$55m	7.2%	—
17	DHI Mortgage Company, LTD.	260	187	$56m	13.5%	—
18	Pennymac Loan Services LLC	301	156	$38m	20.1%	—
19	Southpoint Bank	232	152	$43m	10.5%	—
20	Union Home Mortgage Corp.	208	141	$39m	7.2%	—
21	Mortgage Research Center	314	138	$33m	29.1%	—
22	BPL Mortgage, LLC	159	126	$10m	6.6%	—
23	Apco Employees Credit Union	172	122	$14m	28.2%	—
24	Assurance Financial Group, L.L.C.	193	121	$26m	9.7%	—
25	Freedom Mortgage Corporation	288	119	$32m	19.5%	—
26	Gmfs, LLC	134	119	$40m	0.0%	—
27	Navy Federal Credit Union	282	113	$20m	40.0%	—
28	Loandepot.com, LLC	269	113	$20m	42.6%	—
29	Canopy Mortgage, LLC	196	105	$27m	6.2%	—
30	First Horizon Bank	152	105	$33m	18.5%	—
31	Servisfirst Bank	130	101	$40m	11.2%	—
32	Nationstar Mortgage	159	100	$18m	17.6%	—
33	JPMorgan Chase Bank, NA	145	89	$25m	16.0%	—
34	First Federal Bank	116	87	$24m	2.1%	—
35	Wells Fargo Bank NA	193	85	$17m	38.0%	—
36	Newrez LLC	240	82	$18m	39.3%	—
37	Stockton Mortgage Corporation	151	81	$19m	13.8%	—
38	Truist Bank	187	80	$16m	49.7%	—
39	Community Bank of Mississippi	103	78	$22m	3.4%	—
40	River Bank & Trust	87	77	$20m	0.0%	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 128. Denial rate is denials over decided applications in this county.

Compared with Alabama and the nation

Measure	This county	Alabama	United States
Denial rate	24.9%	26.3%	24.3%
Median rate spread, pp	0.3	0.4	0.3
Originations with spread of 1.5 pp or more	15.1%	16.5%	15.6%
Average originated loan	$234k	$228k	$329k
Originations per 1,000 households	49.0	52.4	48.0
Home purchase share of originations	58.2%	59.0%	57.0%
FHA-insured share	15.8%	18.0%	13.4%
VA-guaranteed share	6.7%	12.5%	7.9%

Rate spread distribution

Below 0 pp31.4%

0 to 0.5 pp27.1%

0.5 to 1 pp17.2%

1 to 1.5 pp9.2%

1.5 to 3 pp8.2%

3 or more pp6.9%

Share of 11,368 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Alabama). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.

Loan purpose and loan type

By purpose

Home purchase 58% (7,700)Home improvement 9% (1,165)Refinancing 11% (1,416)Cash-out refinancing 11% (1,407)Other purpose 12% (1,534)

By type

Conventional 77% (10,185)FHA 16% (2,091)VA 7% (883)USDA 0% (66)

Trend by year

ApplicationsOriginations

Applications and originations in Jefferson County, 2022–2024

This countyAlabama

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in Jefferson County, AL?

By 2024 originations: Regions Bank (1,153), United Wholesale Mortgage (675), SouthState Bank, N.A. (624), Rocket Mortgage (618), America'S First Federal CU (551). 128 lenders had at least 25 applications in the county.

What is the mortgage denial rate in Jefferson County?

24.9% of decided applications were denied in 2024, against 26.3% across Alabama and 24.3% nationally.

How many mortgages were originated in Jefferson County in 2024?

13,225 loans totalling $3.1bn, from 23,571 applications; 49.0 originations per 1,000 households.

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 01073; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.