Alabama (AL) Mortgage Rates & Mortgage Loan Data – Prior Year
- Loan originated: 1,028,974
- Application denied by financial institution: 467,228
- Loan purchased by the institution: 438,979
- Application withdrawn by applicant: 214,266
- Application approved but not accepted: 111,824
- File closed for incompleteness: 71,678
- Preapproval request denied by financial institution: 223
- Preapproval request approved but not accepted: 65
- Refinancing: 1,291,602
- Home purchase: 866,586
- Home improvement: 175,049
- Conventional: 1,630,762
- FHA-insured: 479,545
- VA-guaranteed: 162,115
- FSA/RHS-guaranteed: 60,815
- White: 1,547,557
- Black or African American: 340,073
- Not applicable: 215,261
- Information not provided by applicant in mail, Internet, or telephone application: 193,200
- Asian: 22,172
- American Indian or Alaska Native: 11,501
- Native Hawaiian or Other Pacific Islander: 3,473
- Not Hispanic or Latino: 1,879,828
- Not applicable: 215,693
- Information not provided by applicant in mail, Internet, or telephone application: 205,393
- Hispanic or Latino: 32,323
- Male: 1,384,409
- Female: 615,035
- Not applicable: 215,369
- Information not provided by applicant in mail, Internet, or telephone application: 118,424
- Department of Housing and Urban Development: 691,376
- Consumer Financial Protection Bureau: 474,890
- Office of the Comptroller of the Currency: 373,436
- Federal Reserve System: 252,989
- Federal Deposit Insurance Corporation: 247,473
- Office of Thrift Supervision: 182,780
- National Credit Union Administration: 110,293
- Jefferson County: 341,355
- Madison County: 233,419
- Mobile County: 183,361
- Shelby County: 142,911
- Baldwin County: 128,114
- Montgomery County: 103,137
- Tuscaloosa County: 95,195
- Lee County: 73,974
- Morgan County: 62,232
- Limestone County: 55,931
- St. Clair County: 51,319
- Elmore County: 49,569
- Calhoun County: 49,081
- Houston County: 48,459
- Etowah County: 42,803
- Lauderdale County: 41,561
- Marshall County: 39,597
- Cullman County: 37,385
- Talladega County: 31,966
- Autauga County: 31,900
- Blount County: 27,452
- Coffee County: 27,131
- Walker County: 26,485
- Colbert County: 26,436
- Russell County: 26,328
- Tallapoosa County: 20,915
- Chilton County: 20,474
- DeKalb County: 19,630
- Dale County: 18,974
- Jackson County: 17,370
- Lawrence County: 15,029
- Covington County: 12,618
- Chambers County: 11,957
- Escambia County: 11,105
- Geneva County: 11,006
- Dallas County: 10,607
- Franklin County: 9,884
- Winston County: 9,806
- Clarke County: 9,593
- Cherokee County: 9,222
- Marion County: 9,144
- Pike County: 9,077
- Bibb County: 9,075
- Henry County: 8,111
- Randolph County: 7,858
- Unknown: 7,287
- Marengo County: 7,093
- Barbour County: 7,007
- Butler County: 6,758
- Monroe County: 6,468
- Pickens County: 6,128
- Hale County: 5,704
- Macon County: 5,528
- Cleburne County: 5,469
- Washington County: 5,390
- Fayette County: 5,146
- Crenshaw County: 4,805
- Clay County: 4,305
- Lamar County: 3,630
- Lowndes County: 3,498
- Choctaw County: 3,446
- Coosa County: 3,083
- Conecuh County: 2,878
- Bullock County: 2,576
- Sumter County: 2,510
- Greene County: 2,327
- Wilcox County: 2,257
- Perry County: 1,388
- Birmingham, Hoover – AL: 618,283
- Unknown: 523,053
- Huntsville – AL: 288,804
- Montgomery – AL: 187,788
- Mobile – AL: 183,154
- Tuscaloosa – AL: 103,670
- Decatur – AL: 77,210
- Auburn, Opelika – AL: 73,895
- Florence, Muscle Shoals – AL: 67,942
- Dothan – AL: 67,386
- Gadsden – AL: 42,754
- Anniston, Oxford – AL: 40,705
- Columbus – GA, AL: 26,299
- Daphne, Fairhope, Foley – AL: 24,006
- Anniston, Oxford, Jacksonville – AL: 8,288
- Unknown: 2,070,028
- Credit history: 97,733
- Collateral: 50,309
- Debt-to-income ratio: 46,091
- Credit application incomplete: 25,793
- Other: 25,694
- Unverifiable information: 7,773
- Insufficient cash (downpayment, closing costs): 5,926
- Employment history: 3,368
- Mortgage insurance denied: 522
- Not a HOEPA loan: 2,330,900
- HOEPA loan: 2,337
- Secured by a first lien: 1,731,718
- Not applicable: 438,979
- Not secured by a lien: 86,000
- Secured by a subordinate lien: 76,540
- Owner-occupied as a principal dwelling: 2,108,245
- Not owner-occupied as a principal dwelling: 206,542
- Not applicable: 18,450
- One-to-four family dwelling (other than manufactured housing): 2,188,971
- Manufactured housing: 141,309
- Multifamily dwelling: 2,957
- Loan was not originated or was not sold in calendar year covered by register: 1,295,018
- Fannie Mae (FNMA): 271,238
- Ginnie Mae (GNMA): 224,222
- Freddie Mac (FHLMC): 131,642
- Other type of purchaser: 111,195
- Commercial bank, savings bank or savings association: 101,841
- Life insurance company, credit union, mortgage bank, or finance company: 101,729
- Affiliate institution: 81,933
- Private securitization: 14,383
- Farmer Mac (FAMC): 36
