Bullock County, AL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 208 mortgage applications in Bullock County, AL totaling $20.6 million, up 44% from 2019. The average application was for $98,000, and applicants reported an average income of $58,000. 26% of applications resulted in an originated loan and 43% were denied. The most active lender was 21st Mortgage, with 79 applications, followed by Vanderbilt Mortgage and Finance, Inc and Regions Bank.
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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 | 208 |
| Total Mortgage Loan Application Amount | $20,590,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $642,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 79 | $ 5,255,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 31 | $ 2,165,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 8 | $ 1,490,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 7 | $ 475,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 540,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 5 | $ 425,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 915,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 545,000 |
| First South Farm Credit, Aca 260 TRACE COLONY PARK DR RIDGELAND, MS 39157 |
* | $ -1,000 | 3 | $ 495,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 895,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 3 | $ 255,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 1,460,586,000 | 3 | $ 445,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 335,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 510,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 150,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 2 | $ 120,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 240,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 2 | $ 250,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 760,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 2 | $ 150,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 250,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 75,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 65,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 145,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 185,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 135,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 95,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 215,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 1 | $ 75,000 |
| Kinetic Credit Union 1251 13TH STREET COLUMBUS, GA 31901 |
* | $ 421,435,000 | 1 | $ 25,000 |
| Redstone Federal Credit Union 220 WYNN DRIVE HUNTSVILLE, AL 35893 |
* | $ 5,454,143,000 | 1 | $ 15,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 235,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 31,614,914,000 | 1 | $ 235,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 75,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 75,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 37,441,578,000 | 1 | $ 35,000 |
| First Community Bank of Central Alabama 715 WILSON ST WETUMPKA, AL 36092 |
* | $ 394,595,000 | 1 | $ 35,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 505,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 275,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 65,000 |
| Troy Bank and Trust 1000 US-231 TROY, AL 36081 |
* | $ 898,839,000 | 1 | $ 75,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 1 | $ 5,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 285,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 175,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ 574,065,000 | 1 | $ 25,000 |
The tables below break down 2020 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 2020
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 | 147 | $10,995,000 | $74,000 | $285,000 | $48,000 | $285,000 |
| Refinancing | 39 | $6,085,000 | $156,000 | $435,000 | $101,000 | $642,000 |
| Cash-out Refinancing | 11 | $1,995,000 | $181,000 | $505,000 | $82,000 | $256,000 |
| Other Purpose | 8 | $1,270,000 | $158,000 | $375,000 | $74,000 | $129,000 |
| Not Applicable | 3 | $245,000 | $81,000 | $125,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 141 | $10,815,000 | $76,000 | $325,000 | $43,000 | $171,000 |
| White | 36 | $6,150,000 | $170,000 | $505,000 | $118,000 | $642,000 |
| Not Provided | 24 | $3,050,000 | $127,000 | $435,000 | $69,000 | $154,000 |
| Not applicable | 4 | $410,000 | $102,000 | $165,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $100,000 | $50,000 | $55,000 | $87,000 | $133,000 |
| 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) | 178 | $15,610,000 | $87,000 | $505,000 | $58,000 | $642,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,080,000 | $115,000 | $275,000 | $52,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,815,000 | $255,000 | $435,000 | $80,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $35,000 | $35,000 |
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 | 90 | $6,490,000 | $72,000 | $275,000 | $44,000 | $171,000 |
| Loan Originated | 54 | $7,120,000 | $131,000 | $435,000 | $83,000 | $642,000 |
| File Closed For Incompleteness | 30 | $2,500,000 | $83,000 | $375,000 | $47,000 | $129,000 |
| Application Withdrawn By Applicant | 20 | $3,350,000 | $167,000 | $505,000 | $84,000 | $318,000 |
| Application Approved But Not Accepted | 10 | $720,000 | $72,000 | $185,000 | $50,000 | $81,000 |
| Loan Purchased By The Institution | 4 | $410,000 | $102,000 | $165,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 117 | $14,065,000 | $120,000 | $505,000 | $65,000 | $318,000 |
| Credit History | 59 | $4,005,000 | $67,000 | $185,000 | $46,000 | $171,000 |
| Debt-To-Income Ratio | 16 | $1,180,000 | $73,000 | $165,000 | $68,000 | $642,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $450,000 | $112,000 | $275,000 | $57,000 | $78,000 |
| Unverifiable Information | 4 | $240,000 | $60,000 | $85,000 | $45,000 | $79,000 |
| Other | 3 | $255,000 | $85,000 | $165,000 | $85,000 | $132,000 |
| Collateral | 2 | $140,000 | $70,000 | $75,000 | $16,000 | $17,000 |
| Credit Application Incomplete | 2 | $200,000 | $100,000 | $125,000 | $0 | $0 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $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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