Lenders › Nationstar Mortgage › Alabama
Nationstar Mortgage in Alabama
HMDA record for properties in Alabama, calendar year 2024. National record · Alabama overview
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.
In Alabama, Nationstar Mortgage reported 1,282 applications and 857 originations for 2024, $148m in all.
Its denial rate in the state was 15.9%, below the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 19.1%.
The median rate spread on its Alabama originations was 1.1 percentage points (state median 0.4).
Applications in the state were up 48% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | Nationstar Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.9% | 26.3% | 19.1% | 24.3% |
| Median rate spread, pp | 1.1 | 0.4 | 1.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 40.7% | 16.5% | 44.9% | 15.6% |
| Average originated loan | $173k | $228k | $199k | $329k |
| Home purchase share | 17.2% | 59.0% | 13.9% | 57.0% |
| FHA-insured share | 19.3% | 18.0% | 13.2% | 13.4% |
| VA-guaranteed share | 14.0% | 12.5% | 8.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 17% (147)Home improvement 8% (71)Refinancing 10% (86)Cash-out refinancing 37% (315)Other purpose 28% (238)
By type
Conventional 67% (572)FHA 19% (165)VA 14% (120)
Denial reasons as coded
Share of 167 denials in Alabama by first denial reason coded (outlined bar: all lenders in the state).
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Madison County | 160 | 123 | $22m | 9.4% |
| Jefferson County | 159 | 100 | $18m | 17.6% |
| Shelby County | 95 | 67 | $12m | 11.8% |
| Mobile County | 98 | 65 | $11m | 17.5% |
| Baldwin County | 100 | 55 | $9.3m | 27.8% |
| Montgomery County | 58 | 37 | $6.3m | 26.0% |
| Limestone County | 42 | 35 | $5.3m | 10.0% |
| Morgan County | 41 | 27 | $3.9m | 17.6% |
| Lee County | 38 | 25 | $5.5m | 16.7% |
| Elmore County | 33 | 23 | $5.2m | 10.7% |
| Houston County | 28 | 22 | $3.3m | 17.9% |
| Tuscaloosa County | 40 | 21 | $3.2m | 20.0% |
| Calhoun County | 28 | 19 | $3.6m | — |
| St. Clair County | 25 | 17 | $2.4m | — |
| DeKalb County | 25 | 16 | $2.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Nationstar Mortgage originate in Alabama in 2024?
857 loans totalling $148m, from 1,282 applications reported for properties in Alabama.
What is Nationstar Mortgage's denial rate in Alabama?
15.9% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 19.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Alabama counties does Nationstar Mortgage lend in most?
By originations: Madison County (123), Jefferson County (100), Shelby County (67), Mobile County (65), Baldwin County (55).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Alabama. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.