Bullock County, AL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 255 mortgage applications in Bullock County, AL totaling $31.4 million, up 10% from 2015. The average application was for $123,000, and applicants reported an average income of $38,000. 35% of applications resulted in an originated loan and 43% were denied. The most active lender was Amerifirst Bank, with 55 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, Inc.
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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 | 255 |
| Total Mortgage Loan Application Amount | $31,442,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $10,001,000 |
| Average Applicant Income | $38,000 |
| Highest Applicant Income | $304,000 |
* 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 |
* | $ 143,361,000 | 55 | $ 1,786,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 45 | $ 2,315,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 33 | $ 1,948,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 15 | $ 1,603,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 11 | $ 985,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 10 | $ 1,306,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 7 | $ 1,093,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 5 | $ 320,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 4 | $ 199,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 4 | $ 90,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 4 | $ 929,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 1,329,000 |
| Troy Bank & Trust Company P O BOX 967 TROY, AL 36081 |
* | $ 849,307,000 | 3 | $ 501,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 3 | $ 469,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 5,095,134,000 | 2 | $ 816,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 384,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 164,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 2 | $ 287,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 2 | $ 717,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 150,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 260,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 128,000 |
| Tuscaloosa Credit Union 1100 21ST AVENUE TUSCALOOSA, AL 35401 |
* | $ 68,034,000 | 1 | $ 40,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 687,258,000 | 1 | $ 11,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 76,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 250,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 123,000 |
| R M K Financial Corp. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ 16,639,000 | 1 | $ 160,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 136,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 79,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Alabama State Employees CU 1000 INTERSTATE PARK DRIVE MONTGOMERY, AL 36106 |
* | $ 238,595,000 | 1 | $ 80,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 1 | $ 52,000 |
| Fbt Mortgage, L.L.C. 6911 WASHINGTON AVE SUITE B OCEAN SPRINGS, MS 39564 |
* | $ 678,000,000 | 1 | $ 372,000 |
| CU Community, LLC 2077 TOWN CENTER BOULEVARD KNOXVILLE, TN 37922 |
* | $ 981,094,000 | 1 | $ 98,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 10,001,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 1 | $ 2,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 28,529,226,000 | 1 | $ 9,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 320,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 129,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 87,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 91,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 60,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 348,393,000 | 1 | $ 100,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 19,425,339,000 | 1 | $ 185,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ 334,845,000 | 1 | $ 65,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 1,178,214,000 | 1 | $ 243,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 3,300,000,000 | 1 | $ 64,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 604,540,000 | 1 | $ 39,000 |
The tables below break down 2016 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 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 127 | $19,109,000 | $150,000 | $10,001,000 | $36,000 | $133,000 |
| Refinancing | 77 | $11,567,000 | $150,000 | $618,000 | $50,000 | $304,000 |
| Home Improvement | 51 | $766,000 | $15,000 | $200,000 | $26,000 | $167,000 |
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 | 153 | $8,050,000 | $52,000 | $290,000 | $30,000 | $133,000 |
| White | 69 | $10,564,000 | $153,000 | $618,000 | $64,000 | $304,000 |
| Not Provided | 15 | $11,177,000 | $745,000 | $10,001,000 | $22,000 | $57,000 |
| Not applicable | 5 | $713,000 | $142,000 | $285,000 | $0 | $0 |
| Hispanic | 5 | $310,000 | $62,000 | $115,000 | $30,000 | $69,000 |
| American Indian or Alaskan Native | 5 | $421,000 | $84,000 | $200,000 | $49,000 | $167,000 |
| Asian | 3 | $207,000 | $69,000 | $157,000 | $13,000 | $41,000 |
| Native Hawaiin 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) | 202 | $12,310,000 | $60,000 | $618,000 | $39,000 | $304,000 |
| FHA-insured (Federal Housing Administration) | 28 | $13,418,000 | $479,000 | $10,001,000 | $26,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 25 | $5,714,000 | $228,000 | $408,000 | $48,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 109 | $17,285,000 | $158,000 | $10,001,000 | $32,000 | $167,000 |
| Loan Originated | 90 | $9,261,000 | $102,000 | $417,000 | $50,000 | $304,000 |
| File Closed For Incompleteness | 34 | $2,344,000 | $68,000 | $221,000 | $37,000 | $104,000 |
| Application Withdrawn By Applicant | 10 | $667,000 | $66,000 | $170,000 | $16,000 | $50,000 |
| Loan Purchased By The Institution | 8 | $1,414,000 | $176,000 | $408,000 | $22,000 | $146,000 |
| Application Approved But Not Accepted | 4 | $471,000 | $117,000 | $184,000 | $67,000 | $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 | 27 | $10,988,000 | $406,000 | $10,001,000 | $18,000 | $167,000 |
| Debt-To-Income Ratio | 7 | $185,000 | $26,000 | $54,000 | $31,000 | $82,000 |
| Other | 7 | $604,000 | $86,000 | $136,000 | $26,000 | $82,000 |
| Collateral | 1 | $73,000 | $73,000 | $73,000 | $52,000 | $52,000 |
| Employment History | 1 | $4,000 | $4,000 | $4,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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