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Lawrence County, Alabama
Mortgage lending record for properties in the county, calendar year 2024.
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.
Lawrence County, Alabama, saw 1,342 HMDA-reported applications and 621 originations ($101m) in 2024.
That is 45.6 originations per 1,000 households, against 52.4 for Alabama and 48.0 nationally.
The county's denial rate was 34.8%, above the state rate of 26.3%. The median rate spread on originated loans was 0.6 percentage points and 25.4% of originations were 1.5 points or more above the average prime offer rate.
12 lenders reached 25 applications in the county; the most active by originations were Regions Bank (49), Bank Independent (39) and Rocket Mortgage (38).
Originations were up 14% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Regions Bank | 116 | 49 | $5.2m | 45.6% | — |
| 2 | Bank Independent | 63 | 39 | $5.9m | 31.6% | — |
| 3 | Rocket Mortgage | 55 | 38 | $7.7m | 26.9% | — |
| 4 | Vanderbilt Mortgage and Finance, Inc | 174 | 37 | $4.5m | 60.2% | — |
| 5 | Redstone Federal Credit Union | 62 | 34 | $4.7m | 27.8% | — |
| 6 | CB&S Bank | 54 | 33 | $5.9m | 23.9% | — |
| 7 | 21st Mortgage | 111 | 26 | $3.5m | 58.5% | — |
| 8 | Southpoint Bank | 33 | 24 | $5.0m | — | — |
| 9 | United Wholesale Mortgage | 28 | 23 | $5.3m | 8.0% | — |
| 10 | EvaBank | 51 | 21 | $825k | 42.1% | — |
| 11 | New American Funding, LLC. | 27 | 10 | $2.2m | — | — |
| 12 | Triad Financial Services, Inc. | 38 | 5 | $615k | 52.6% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 12. Denial rate is denials over decided applications in this county.
Compared with Alabama and the nation
| Measure | This county | Alabama | United States |
|---|---|---|---|
| Denial rate | 34.8% | 26.3% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 25.4% | 16.5% | 15.6% |
| Average originated loan | $163k | $228k | $329k |
| Originations per 1,000 households | 45.6 | 52.4 | 48.0 |
| Home purchase share of originations | 58.5% | 59.0% | 57.0% |
| FHA-insured share | 16.7% | 18.0% | 13.4% |
| VA-guaranteed share | 7.7% | 12.5% | 7.9% |
Rate spread distribution
Share of 539 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% (363)Home improvement 6% (39)Refinancing 15% (95)Cash-out refinancing 10% (61)Other purpose 10% (63)
By type
Conventional 71% (444)FHA 17% (104)VA 8% (48)USDA 4% (25)
Trend by year
ApplicationsOriginations
This countyAlabama
Questions and answers
Which lenders are most active in Lawrence County, AL?
By 2024 originations: Regions Bank (49), Bank Independent (39), Rocket Mortgage (38), Vanderbilt Mortgage and Finance, Inc (37), Redstone Federal Credit Union (34). 12 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Lawrence County?
34.8% of decided applications were denied in 2024, against 26.3% across Alabama and 24.3% nationally.
How many mortgages were originated in Lawrence County in 2024?
621 loans totalling $101m, from 1,342 applications; 45.6 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 01079; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.