Bullock County, AL Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 319 mortgage applications in Bullock County, AL totaling $26.7 million, down 14% from 2007. The average application was for $83,000, and applicants reported an average income of $54,000. 51% of applications resulted in an originated loan and 27% were denied. The most active lender was Amerifirst Bank, with 67 applications, followed by Community Bank & Trust - Al and Countrywide Bank FSB.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 319 |
| Total Mortgage Loan Application Amount | $26,728,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $451,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $864,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Amerifirst Bank 8165 VAUGHN ROAD MONTGOMERY, AL 36116 |
* | $ 190,774,000 | 67 | $ 3,183,000 |
| Community Bank & Trust - Al P O BOX 310 UNION SPRINGS, AL 36089 |
* | $ 80,289,000 | 57 | $ 4,162,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 21 | $ 2,412,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,217,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 12 | $ 662,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 1,773,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 9 | $ 614,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 8 | $ 121,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 359,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 6 | $ 329,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 758,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 5 | $ 230,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 5 | $ 879,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 670,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 5 | $ 528,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 4 | $ 441,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,901,132,000 | 4 | $ 398,000 |
| Colonial Bank P. O BOX 1108 MONTGOMERY, AL 36101 |
* | $ 25,937,048,000 | 4 | $ 687,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 3 | $ 507,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 3 | $ 297,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 3 | $ 331,000 |
| Wells Fargo Fin'l Alabama, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 351,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 665,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 259,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 696,884,000 | 2 | $ 71,000 |
| Hamilton Mortgage 1 INDEPENDENCE PLAZA, SUITE 416 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 2 | $ 138,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 235,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 115,000 |
| Auburnbank 100 N. GAY STREET AUBURN, AL 36830 |
* | $ 683,993,000 | 2 | $ 158,000 |
| Aliant Bank 200 ALIANT PARKWAY ALEXANDER CITY, AL 35010 |
* | $ 931,386,000 | 2 | $ 200,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 23,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 134,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 2 | $ 262,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 24,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 417,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 1,513,675,000 | 1 | $ 106,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 19,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 1 | $ 10,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 2,784,161,000 | 1 | $ 76,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 144,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,192,320,000 | 1 | $ 125,000 |
| First Community Bank 34 COURT STREET CHATOM, AL 36518 |
* | $ 325,484,000 | 1 | $ 146,000 |
| Banktrust 107 ST FRANCIS STREET MOBILE, AL 36602 |
* | $ 1,947,417,000 | 1 | $ 125,000 |
| Pilot Bank 12471 W. LINEBAUGH AVE TAMPA, FL 33626 |
* | $ 235,815,000 | 1 | $ 72,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 178,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 121,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 100,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 83,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 203,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 52,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 1 | $ 144,000 |
| Aaa Worldwide Financial Co. 5057 KELLER SPRINGS RD, STE 300 ADDISON, TX 75001 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 158,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 14,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 152,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Anchor Mortgage Services, Inc. 4260 CARMICHAEL COURT NORTH MONTGOMERY, AL 36106 |
* | $ 10,000,000 | 1 | $ 121,000 |
The tables below break down 2008 mortgage applications in Bullock County, AL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Bullock County, AL in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 186 | $18,370,000 | $98,000 | $451,000 | $63,000 | $864,000 |
| Home Purchase | 75 | $6,880,000 | $91,000 | $417,000 | $50,000 | $406,000 |
| Home Improvement | 58 | $1,478,000 | $25,000 | $150,000 | $33,000 | $127,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Black or African American | 155 | $9,720,000 | $62,000 | $451,000 | $45,000 | $406,000 |
| White | 110 | $11,736,000 | $106,000 | $417,000 | $68,000 | $327,000 |
| Not Provided | 37 | $3,120,000 | $84,000 | $231,000 | $65,000 | $864,000 |
| Not applicable | 16 | $2,064,000 | $129,000 | $332,000 | $24,000 | $168,000 |
| American Indian or Alaskan Native | 1 | $88,000 | $88,000 | $88,000 | $79,000 | $79,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 257 | $20,025,000 | $77,000 | $451,000 | $56,000 | $864,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,466,000 | $111,000 | $231,000 | $52,000 | $406,000 |
| VA-guaranteed (Veterans Administration) | 7 | $603,000 | $86,000 | $153,000 | $34,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $634,000 | $105,000 | $157,000 | $18,000 | $40,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 164 | $12,221,000 | $74,000 | $451,000 | $54,000 | $200,000 |
| Application Denied By Financial Institution | 86 | $6,507,000 | $75,000 | $417,000 | $55,000 | $864,000 |
| Loan Purchased By The Institution | 27 | $3,391,000 | $125,000 | $332,000 | $51,000 | $406,000 |
| Application Withdrawn By Applicant | 18 | $2,192,000 | $121,000 | $231,000 | $59,000 | $108,000 |
| Application Approved But Not Accepted | 14 | $916,000 | $65,000 | $178,000 | $52,000 | $106,000 |
| File Closed For Incompleteness | 10 | $1,501,000 | $150,000 | $417,000 | $53,000 | $145,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 22 | $774,000 | $35,000 | $144,000 | $33,000 | $127,000 |
| Collateral | 12 | $1,736,000 | $144,000 | $417,000 | $88,000 | $327,000 |
| Debt-To-Income Ratio | 10 | $1,117,000 | $111,000 | $417,000 | $36,000 | $92,000 |
| Other | 4 | $222,000 | $55,000 | $83,000 | $45,000 | $71,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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