Alabama mortgage licensing and lending evidence

Bureau of Loans licensees

Superintendent Mike Hill’s December 31, 2025 letter submits the 2025 fiscal year-end annual report under § 5-2A-13, Code of Alabama 1975. That report says that as of June 30, 2025, the Bureau of Loans’ 19,619 licensees are composed of six statutes. The December 31, 2024 class tables print the same six figures. This composition is not a mortgage-lender census.

• Alabama Small Loan Act: 669 licensees. Not a mortgage class.
• Alabama Consumer Credit Act (Mini-Code): 2,720 licensees. The whole Mini-Code, not a mortgage-lender class.
• Alabama Pawn Shop Act: 586 active licensees. The act does not require financial reporting.
• Alabama Mortgage Brokers Licensing Act: 518 active licensees. Business or person grain is NOT_LABELED.
• Alabama S.A.F.E. Act: 14,836 mortgage loan originator licensees. The act does not require financial reporting.
• Alabama Deferred Presentment Services Act: 290 active licensees. Database transaction totals are a separate activity grain and are not added to this licensee count.

A mortgage-lender class count was NOT_ACQUIRED. A mortgage-servicer class count was NOT_ACQUIRED. Missing counts are not zero. The 518 broker licensees and the 14,836 originator licensees stay on their own statutes.

Mortgage-broker licensees submitted these 2024 calendar-year figures: total assets $12,700,493; total net worth $5,560,116; total loans closed 3,095 for $796,401,026; net profit $1,490,201. Those are aggregate licensee reports, not a census and not HMDA. Operating income and operating expenses stay in the source PDF because the extracted glyphs for those two lines are spaced.

NMLS Consumer Access is search-only license verification. The Department points consumers there from Verify Service Providers and the NMLS Resource Center. A bulk Alabama roster was NOT_ACQUIRED. Licensee rows are unknown. An NMLS ID does not itself establish a Banking Department license. HMDA applications are not a license count.

Bureau of Banks

At fiscal year-end 2025 the Bureau of Banks supervised 88 commercial banks, with total assets exceeding $224 billion, and 1,786 branches in Alabama and 16 host states. The Department supervises 2 independent state-chartered trust companies and 6 bank-managed trust departments, with total assets under administration exceeding $148 billion in 2025. These are depository and trust facts. They are not mortgage-broker licensees and not originator licensees.

2025 HMDA Alabama-property activity

206,604 applications; 114,635 originations; 40,443 denials (19.58% of applications). 885 reporting LEIs across 67 county rows in the county-market file. Purchase 103,757, refinance 64,992, other purpose 37,855. Application loan types: conventional 140,783, FHA 36,860, VA 26,204, USDA/other 2,757.

These figures sum the accepted Alabama-property 2025 HMDA county slice. They are market observations, not lenders. The national HMDA spine was reused. The denial/application ratio is not a lender quality score or a license measure, and it is not added to Banking Department licensees.

Enforcement

A bounded Banking Department mortgage enforcement corpus was NOT_ACQUIRED. No bounded Alabama State Banking Department mortgage enforcement corpus was acquired. Missing orders are not zero orders. Exact canonical attachments: 0. Name-only adverse joins: 0. CFPB complaints are not Banking Department orders.

Complaints and source clocks

The Department accepts complaints by mail. Bank complaints use Consumer.Banking@banking.alabama.gov. Finance companies, mortgage companies and brokers, mortgage loan originators, pawn shops, and deferred-presentment lenders use Consumer.Lending@banking.alabama.gov. Intake is known. Public provider-level complaint rows were NOT_ACQUIRED. A complaint is not an enforcement finding.

Report letter December 31, 2025. Bureau of Banks clock fiscal year-end 2025. Bureau of Loans composition 2025-06-30. Class tables 2024-12-31. Report retrieved 2026-10-05. HMDA vintage 2025. Enforcement corpus NOT_ACQUIRED. Page data generated 2026-10-05T14:05:00Z. No universal Alabama as-of date. Net-new canonical organizations 0; graph writes 0; claim eligibility changes 0. Birmingham, Montgomery, Huntsville, Tuscaloosa, and Mobile are geographic context only; no city or county intelligence pages.