Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Montgomery County, Alabama
Every institution that decided a 1–4 unit mortgage application in Montgomery County between 2023 and 2025: 16,164 applications, 11,272 loans actually funded, across 8 kinds of borrowing.
Montgomery County at a glance
16,164Applications decided
2023–2025
11,272Loans funded
70% of decisions
71Census tracts
15 ZIP codes
227,197People
ACS 2023
What the data shows
The typical purchase mortgage here is $205K.
Investment home improvement is the hardest money to get here: lenders approved 40% of 161 applications.
Lending by loan type in Montgomery County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.3% | 7,854 | $205K | 95% | 284 |
| Home improvement loans | 49.6% | 1,317 | $55K | 90% | 65 |
| Cash-out refinance | 59.4% | 2,775 | $125K | 92% | 127 |
| Refinance | 72.6% | 1,669 | $205K | 88% | 134 |
| Investment property purchase | 87.8% | 1,478 | $105K | 93% | 181 |
| Investment cash-out refinance | 69.8% | 483 | $105K | 88% | 83 |
| Investment refinance | 82.2% | 427 | $105K | 93% | 80 |
| Investment home improvement | 39.8% | 161 | $75K | 86% | 38 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.