Lenders › Regions Bank › Alabama
Regions Bank 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, Regions Bank reported 11,994 applications and 5,486 originations for 2024, $813m in all.
Its denial rate in the state was 43.4%, above the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 45.8%.
The median rate spread on its Alabama originations was 0.5 percentage points (state median 0.4).
Applications in the state were down 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | Regions Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 43.4% | 26.3% | 45.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 23.0% | 16.5% | 22.5% | 15.6% |
| Average originated loan | $148k | $228k | $300k | $329k |
| Home purchase share | 25.1% | 59.0% | 29.2% | 57.0% |
| FHA-insured share | 5.3% | 18.0% | 4.9% | 13.4% |
| VA-guaranteed share | 1.2% | 12.5% | 1.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 25% (1,376)Home improvement 29% (1,597)Refinancing 21% (1,158)Cash-out refinancing 3% (143)Other purpose 22% (1,212)
By type
Conventional 93% (5,108)FHA 5% (291)VA 1% (66)USDA 0% (21)
Denial reasons as coded
Share of 4,651 denials in Alabama by first denial reason coded (outlined bar: all lenders in the state).
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2,616 | 1,153 | $207m | 44.6% |
| Shelby County | 1,139 | 606 | $93m | 35.5% |
| Mobile County | 1,047 | 456 | $45m | 46.3% |
| Madison County | 898 | 435 | $100m | 37.8% |
| Baldwin County | 764 | 393 | $69m | 36.0% |
| Tuscaloosa County | 525 | 266 | $41m | 38.6% |
| Montgomery County | 542 | 176 | $15m | 57.6% |
| Limestone County | 297 | 148 | $21m | 39.4% |
| Etowah County | 273 | 143 | $13m | 36.7% |
| Calhoun County | 303 | 121 | $11m | 54.0% |
| Morgan County | 271 | 121 | $13m | 43.5% |
| St. Clair County | 233 | 111 | $16m | 41.4% |
| Elmore County | 210 | 106 | $18m | 38.6% |
| Houston County | 222 | 102 | $11m | 46.3% |
| Lauderdale County | 210 | 100 | $11m | 41.4% |
| Lee County | 186 | 87 | $11m | 42.7% |
| Autauga County | 144 | 75 | $8.7m | 37.4% |
| Colbert County | 154 | 72 | $7.7m | 45.7% |
| Marshall County | 142 | 70 | $9.4m | 40.8% |
| DeKalb County | 160 | 67 | $7.9m | 46.3% |
| Talladega County | 155 | 61 | $5.6m | 51.5% |
| Cullman County | 107 | 59 | $9.2m | 28.6% |
| Lawrence County | 116 | 49 | $5.2m | 45.6% |
| Chilton County | 117 | 48 | $6.6m | 50.0% |
| Blount County | 86 | 47 | $5.5m | 38.8% |
| Jackson County | 60 | 28 | $3.0m | 46.6% |
| Cherokee County | 65 | 25 | $3.3m | 47.4% |
| Walker County | 70 | 24 | $4.8m | 57.8% |
| Escambia County | 55 | 23 | $1.5m | 43.8% |
| Tallapoosa County | 51 | 22 | $7.4m | 34.9% |
| Fayette County | 35 | 20 | $1.8m | 34.4% |
| Monroe County | 40 | 19 | $1.4m | 43.2% |
| Clarke County | 41 | 17 | $1.9m | 53.8% |
| Conecuh County | 33 | 15 | $935k | 50.0% |
| Hale County | 33 | 14 | $1.5m | 54.8% |
| Coffee County | 31 | 12 | $530k | 55.2% |
| Choctaw County | 25 | 12 | $950k | — |
| Russell County | 46 | 11 | $805k | 71.8% |
| Dale County | 32 | 11 | $815k | 58.6% |
| Dallas County | 53 | 10 | $430k | 78.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Regions Bank originate in Alabama in 2024?
5,486 loans totalling $813m, from 11,994 applications reported for properties in Alabama.
What is Regions Bank's denial rate in Alabama?
43.4% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 45.8% 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 Regions Bank lend in most?
By originations: Jefferson County (1,153), Shelby County (606), Mobile County (456), Madison County (435), Baldwin County (393).
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.