Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Tuscaloosa County, Alabama
Every institution that decided a 1–4 unit mortgage application in Tuscaloosa County between 2023 and 2025: 15,227 applications, 10,825 loans actually funded, across 8 kinds of borrowing.
Tuscaloosa County at a glance
15,227Applications decided
2023–2025
10,825Loans funded
71% of decisions
59Census tracts
16 ZIP codes
234,036People
ACS 2023
What the data shows
Lenders approved 78.0% of home-purchase applications in Tuscaloosa County, 6.2 points below the Alabama rate.
The typical purchase mortgage here is $245K.
Home improvement loans is the hardest money to get here: lenders approved 59% of 1,017 applications.
Lending by loan type in Tuscaloosa County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 78.0% | 8,798 | $245K | 93% | 292 |
| Home improvement loans | 58.9% | 1,017 | $55K | 91% | 62 |
| Cash-out refinance | 61.0% | 1,930 | $155K | 94% | 151 |
| Refinance | 76.5% | 1,391 | $175K | 93% | 148 |
| Investment property purchase | 92.3% | 1,519 | $195K | 97% | 221 |
| Investment cash-out refinance | 75.7% | 136 | $125K | 88% | 54 |
| Investment refinance | 91.8% | 340 | $115K | 96% | 64 |
| Investment home improvement | 68.8% | 96 | $135K | 94% | 30 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.