Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Jefferson County, Alabama
Every institution that decided a 1–4 unit mortgage application in Jefferson County, home to Birmingham, between 2023 and 2025: 48,189 applications, 35,130 loans actually funded, across 8 kinds of borrowing.
Jefferson County at a glance
48,189Applications decided
2023–2025
35,130Loans funded
73% of decisions
189Census tracts
50 ZIP codes
669,744People
ACS 2023
What the data shows
Lenders approved 87.3% of home-purchase applications in Jefferson County, 3.1 points above the Alabama rate.
The typical purchase mortgage here is $245K.
Investment home improvement is the hardest money to get here: lenders approved 45% of 395 applications.
Lending by loan type in Jefferson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.3% | 23,223 | $245K | 96% | 462 |
| Home improvement loans | 58.3% | 6,837 | $65K | 92% | 125 |
| Cash-out refinance | 61.5% | 6,558 | $135K | 94% | 232 |
| Refinance | 74.5% | 5,478 | $205K | 91% | 237 |
| Investment property purchase | 87.9% | 3,548 | $115K | 93% | 295 |
| Investment cash-out refinance | 71.0% | 1,240 | $115K | 91% | 157 |
| Investment refinance | 80.3% | 910 | $105K | 92% | 144 |
| Investment home improvement | 45.1% | 395 | $75K | 90% | 67 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.