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MARKET BENCHMARKS · HMDA PUBLIC DATA

Alabama mortgage market benchmarks

Alabama origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

115,118

+10.5% vs 2024

2024: 104,225

Volume 2025

$28.29B

originated $
2024: $23.76B

Denial rate 2025

19.8%

denied / actioned
2024: 21.1% denied / actioned

Reporting lenders 2025

1,009

HMDA reporters
2024: 973 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$12.5B$25B$37.5B$50B20182019202020212022202320242025$28.29B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%12.9%25.7%2018201920202021202220232024202519.8%

Alabama market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
20251,009209,121115,118$28.29B2025 origination volume115,118 loans originated19.8%2025 denial rate209,121 applications actioned55.2%42.1%
2024973189,361104,225$23.76B2024 origination volume104,225 loans originated21.1%2024 denial rate189,361 applications actioned58.9%36.2%
20231,012176,56895,785$21.94B2023 origination volume95,785 loans originated21.4%2023 denial rate176,568 applications actioned62.0%31.9%
20221,023231,569128,575$30.95B2022 origination volume128,575 loans originated19.7%2022 denial rate231,569 applications actioned57.1%46.0%
2021999317,388194,791$43.49B2021 origination volume194,791 loans originated14.9%2021 denial rate317,388 applications actioned45.2%65.8%
2020956292,910183,135$39.43B2020 origination volume183,135 loans originated14.8%2020 denial rate292,910 applications actioned43.7%63.9%
2019905204,624121,469$23.99B2019 origination volume121,469 loans originated19.3%2019 denial rate204,624 applications actioned56.9%45.6%
2018877181,041104,508$18.46B2018 origination volume104,508 loans originated22.4%2018 denial rate181,041 applications actioned62.0%39.3%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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