Lenders › 21st Mortgage › Alabama
21st 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, 21st Mortgage reported 6,493 applications and 1,358 originations for 2024, $163m in all.
Its denial rate in the state was 66.0%, above the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Alabama originations was 3.9 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 66.0% | 26.3% | 70.3% | 24.3% |
| Median rate spread, pp | 3.9 | 0.4 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 99.4% | 16.5% | 99.0% | 15.6% |
| Average originated loan | $120k | $228k | $114k | $329k |
| Home purchase share | 99.0% | 59.0% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 18.0% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 12.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 99% (1,344)Home improvement 0% (2)Refinancing 1% (11)Cash-out refinancing 0% (1)
By type
Conventional 100% (1,358)
Denial reasons as coded
Share of 2,812 denials in Alabama by first denial reason coded (outlined bar: all lenders in the state).
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Baldwin County | 495 | 69 | $8.7m | 75.4% |
| Elmore County | 261 | 60 | $6.2m | 67.2% |
| Mobile County | 322 | 51 | $6.7m | 75.4% |
| Tuscaloosa County | 202 | 45 | $5.1m | 66.9% |
| Walker County | 191 | 43 | $4.8m | 61.8% |
| Jefferson County | 153 | 42 | $5.7m | 60.9% |
| Cullman County | 199 | 41 | $4.9m | 60.9% |
| Limestone County | 93 | 39 | $3.5m | 40.3% |
| Morgan County | 120 | 37 | $4.0m | 50.6% |
| Pike County | 134 | 35 | $5.1m | 60.6% |
| Talladega County | 221 | 31 | $3.8m | 76.8% |
| Houston County | 142 | 30 | $6.6m | 65.5% |
| Shelby County | 140 | 30 | $4.2m | 65.2% |
| St. Clair County | 139 | 30 | $3.8m | 60.0% |
| Chilton County | 148 | 29 | $3.3m | 68.1% |
| Marshall County | 84 | 28 | $3.5m | 49.1% |
| Autauga County | 115 | 27 | $3.4m | 61.4% |
| Washington County | 112 | 27 | $2.5m | 59.7% |
| Calhoun County | 100 | 27 | $3.0m | 56.1% |
| Lawrence County | 111 | 26 | $3.5m | 58.5% |
| Blount County | 100 | 26 | $3.4m | 59.1% |
| Tallapoosa County | 99 | 25 | $2.8m | 61.5% |
| Madison County | 108 | 23 | $2.6m | 62.3% |
| Lauderdale County | 100 | 22 | $2.7m | 60.6% |
| Macon County | 94 | 22 | $2.4m | 69.0% |
| Randolph County | 83 | 22 | $3.1m | 57.9% |
| Jackson County | 76 | 22 | $2.6m | 53.8% |
| Geneva County | 75 | 22 | $3.6m | 48.8% |
| Covington County | 83 | 20 | $2.2m | 60.7% |
| Montgomery County | 147 | 19 | $1.5m | 80.0% |
| Lee County | 118 | 19 | $2.0m | 74.7% |
| Colbert County | 101 | 19 | $2.1m | 71.2% |
| Coffee County | 76 | 19 | $2.2m | 54.5% |
| Escambia County | 107 | 18 | $2.2m | 71.4% |
| Russell County | 56 | 18 | $2.4m | 59.1% |
| Etowah County | 77 | 17 | $1.9m | 60.0% |
| Pickens County | 69 | 17 | $1.8m | 64.0% |
| DeKalb County | 75 | 16 | $1.9m | 68.0% |
| Dale County | 63 | 16 | $1.8m | 52.6% |
| Marion County | 59 | 15 | $1.7m | 58.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Alabama in 2024?
1,358 loans totalling $163m, from 6,493 applications reported for properties in Alabama.
What is 21st Mortgage's denial rate in Alabama?
66.0% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Baldwin County (69), Elmore County (60), Mobile County (51), Tuscaloosa County (45), Walker County (43).
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.