Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Houston County, Alabama
Every institution that decided a 1–4 unit mortgage application in Houston County, home to Dothan, between 2023 and 2025: 8,351 applications, 6,022 loans actually funded, across 8 kinds of borrowing.
Houston County at a glance
8,351Applications decided
2023–2025
6,022Loans funded
72% of decisions
26Census tracts
10 ZIP codes
107,628People
ACS 2023
What the data shows
Lenders approved 79.3% of home-purchase applications in Houston County, 4.8 points below the Alabama rate.
The typical purchase mortgage here is $205K.
Cash-out refinance is the hardest money to get here: lenders approved 63% of 1,174 applications.
Lending by loan type in Houston County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 79.3% | 4,442 | $205K | 95% | 233 |
| Home improvement loans | 66.3% | 842 | $55K | 92% | 49 |
| Cash-out refinance | 62.6% | 1,174 | $135K | 93% | 115 |
| Refinance | 79.5% | 1,031 | $205K | 91% | 111 |
| Investment property purchase | 91.8% | 527 | $115K | 97% | 83 |
| Investment cash-out refinance | 76.5% | 68 | $95K | 87% | 31 |
| Investment refinance | 92.4% | 197 | $75K | 98% | 35 |
| Investment home improvement | 65.7% | 70 | $55K | 96% | 22 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.