Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Shelby County, Alabama
Every institution that decided a 1–4 unit mortgage application in Shelby County, home to Alabaster, between 2023 and 2025: 20,893 applications, 16,207 loans actually funded, across 8 kinds of borrowing.
Shelby County at a glance
20,893Applications decided
2023–2025
16,207Loans funded
78% of decisions
55Census tracts
15 ZIP codes
226,955People
ACS 2023
What the data shows
Lenders approved 87.9% of home-purchase applications in Shelby County, 3.7 points above the Alabama rate.
The typical purchase mortgage here is $295K.
Lending by loan type in Shelby County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.9% | 11,569 | $295K | 96% | 362 |
| Home improvement loans | 68.1% | 2,952 | $65K | 92% | 86 |
| Cash-out refinance | 71.8% | 2,902 | $195K | 95% | 188 |
| Refinance | 79.3% | 2,474 | $225K | 93% | 183 |
| Investment property purchase | 89.7% | 710 | $195K | 97% | 183 |
| Investment cash-out refinance | 69.2% | 130 | $185K | 93% | 56 |
| Investment refinance | 87.8% | 98 | $165K | 90% | 43 |
| Investment home improvement | 51.7% | 58 | $105K | 93% | 24 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.