Bullock County, AL Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 240 mortgage applications in Bullock County, AL totaling $18.4 million, down 12% from 2010. The average application was for $76,000, and applicants reported an average income of $57,000. 34% of applications resulted in an originated loan and 40% were denied. The most active lender was Community Bank & Trust - Al, with 43 applications, followed by Amerifirst Bank and 21st Mortgage.
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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 | 240 |
| Total Mortgage Loan Application Amount | $18,436,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $544,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $2,280,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community Bank & Trust - Al P O BOX 310 UNION SPRINGS, AL 36089 |
* | $ 90,560,000 | 43 | $ 1,029,000 |
| Amerifirst Bank 8165 VAUGHN ROAD MONTGOMERY, AL 36116 |
* | $ 159,973,000 | 39 | $ 1,758,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 26 | $ 1,252,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 17 | $ 1,636,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 726,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 1,187,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 9 | $ 1,477,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 8 | $ 592,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 5 | $ 541,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 246,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 4 | $ 848,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 4 | $ 467,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 3 | $ 335,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 361,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 499,416,000 | 3 | $ 620,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 200,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 332,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 3 | $ 544,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 381,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 168,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,291,724,000 | 2 | $ 391,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 2,971,072,000 | 2 | $ 189,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 2 | $ 85,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 205,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 532,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 2 | $ 82,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 861,761,000 | 1 | $ 21,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 1 | $ 219,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 66,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Ibm Southeast Emp Credit Union 1000 NW 17TH AVE DELRAY BEACH, FL 33445 |
* | $ 836,704,000 | 1 | $ 89,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MT., NC 27804 |
* | $ 27,285,986,000 | 1 | $ 87,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 16,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 1 | $ 115,000 |
| Citifinancial Corporation,Llc 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 39,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 1 | $ 48,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 105,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,425,755,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 341,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 1 | $ 118,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 59,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 114,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 73,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 255,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 73,000 |
The tables below break down 2011 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 2011
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 | 101 | $11,549,000 | $114,000 | $544,000 | $83,000 | $2,280,000 |
| Home Purchase | 91 | $5,995,000 | $65,000 | $417,000 | $40,000 | $191,000 |
| Home Improvement | 48 | $892,000 | $18,000 | $271,000 | $36,000 | $192,000 |
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 | 126 | $5,325,000 | $42,000 | $149,000 | $35,000 | $191,000 |
| White | 83 | $10,419,000 | $125,000 | $544,000 | $92,000 | $2,280,000 |
| Not Provided | 19 | $1,625,000 | $85,000 | $174,000 | $51,000 | $300,000 |
| Not applicable | 10 | $974,000 | $97,000 | $220,000 | $54,000 | $286,000 |
| Hispanic | 1 | $63,000 | $63,000 | $63,000 | $43,000 | $43,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $108,000 | $108,000 |
| Asian | 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) | 195 | $14,496,000 | $74,000 | $544,000 | $61,000 | $2,280,000 |
| FHA-insured (Federal Housing Administration) | 39 | $3,235,000 | $82,000 | $152,000 | $36,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 5 | $626,000 | $125,000 | $149,000 | $76,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $79,000 | $79,000 | $79,000 | $13,000 | $13,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 96 | $7,371,000 | $76,000 | $544,000 | $67,000 | $2,280,000 |
| Loan Originated | 81 | $4,934,000 | $60,000 | $417,000 | $54,000 | $300,000 |
| Application Approved But Not Accepted | 20 | $1,127,000 | $56,000 | $126,000 | $35,000 | $78,000 |
| Application Withdrawn By Applicant | 18 | $1,744,000 | $96,000 | $219,000 | $40,000 | $108,000 |
| Loan Purchased By The Institution | 17 | $2,297,000 | $135,000 | $417,000 | $59,000 | $286,000 |
| File Closed For Incompleteness | 8 | $963,000 | $120,000 | $220,000 | $59,000 | $100,000 |
| 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 | 35 | $1,577,000 | $45,000 | $123,000 | $41,000 | $191,000 |
| Debt-To-Income Ratio | 9 | $735,000 | $81,000 | $287,000 | $44,000 | $120,000 |
| Collateral | 5 | $395,000 | $79,000 | $150,000 | $66,000 | $112,000 |
| Other | 4 | $545,000 | $136,000 | $280,000 | $87,000 | $182,000 |
| Unverifiable Information | 1 | $154,000 | $154,000 | $154,000 | $175,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $120,000 | $120,000 | $120,000 | $91,000 | $91,000 |
| Credit Application Incomplete | 1 | $128,000 | $128,000 | $128,000 | $47,000 | $47,000 |
| Employment History | 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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