Chambers County, AL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 1,578 mortgage applications in Chambers County, AL totaling $170.8 million, down 17% from 2008. The average application was for $108,000, and applicants reported an average income of $51,000. 39% of applications resulted in an originated loan and 21% were denied. The most active lender was Bank of America, N.A., with 142 applications, followed by Embrace Home Loans, Inc. and Auburnbank.
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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 | 1,578 |
| Total Mortgage Loan Application Amount | $170,836,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $3,357,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $1,224,000 |
* 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 |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 142 | $ 14,610,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 118 | $ 11,382,000 |
| Auburnbank 100 N. GAY STREET AUBURN, AL 36830 |
* | $ 743,775,000 | 114 | $ 14,075,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 109 | $ 12,886,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,471,454,000 | 99 | $ 9,304,000 |
| Charterbank 1233 OG SKINNER DRIVE WEST POINT, GA 31833 |
* | $ 817,112,000 | 91 | $ 7,565,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 72 | $ 8,405,000 |
| Frontier Bank 401 VERNON STREET LAGRANGE, GA 30240 |
* | $ 309,235,000 | 56 | $ 1,896,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 48 | $ 6,411,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 42 | $ 1,906,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 38 | $ 2,675,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 37 | $ 4,555,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 30 | $ 2,361,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 27 | $ 2,866,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 26 | $ 5,300,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 26 | $ 3,241,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 25 | $ 2,376,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 25 | $ 3,324,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 23 | $ 2,234,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 22 | $ 2,551,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 22 | $ 2,917,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 18 | $ 1,715,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 17 | $ 1,992,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 16 | $ 1,224,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 13 | $ 881,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 13 | $ 1,639,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 12 | $ 1,198,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,488,870,000 | 11 | $ 1,315,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 11 | $ 1,188,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 30,436,225,000 | 11 | $ 847,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 10 | $ 500,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 10 | $ 873,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 9 | $ 2,016,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 8 | $ 334,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 8 | $ 1,086,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 7 | $ 948,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 7 | $ 697,000 |
| McIntosh Commercial Bank 820 DIXIE STREET CARROLLTON, GA 30117 |
* | $ 369,512,000 | 6 | $ 995,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 62,251,283,000 | 6 | $ 927,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 562,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 6 | $ 498,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 6 | $ 569,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 5 | $ 512,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 5 | $ 343,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 5 | $ 43,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 4 | $ 399,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 4 | $ 391,000 |
| Banktrust 107 ST FRANCIS STREET MOBILE, AL 36602 |
* | $ 2,088,839,000 | 4 | $ 121,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 4 | $ 781,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 4 | $ 745,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 387,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 485,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 3 | $ 441,000 |
| Auburn University Credit Union PO BOX 1610 AUBURN, AL 36831 |
* | $ 105,587,000 | 3 | $ 115,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 236,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 3 | $ 279,000 |
| Peoples Independent Bank 121 BILLY DYAR BLVD PO BOX 669 BOAZ, AL 35957 |
* | $ 165,569,000 | 3 | $ 362,000 |
| First Peoples Bank PO BOX 1178 PINE MOUNTAIN, GA 31822 |
* | $ 79,750,000 | 3 | $ 297,000 |
| Community Bank & Trust-West Ga 201 BROAD STREET LAGRANGE, GA 30240 |
* | $ 119,089,000 | 3 | $ 343,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,710,374,000 | 3 | $ 385,000 |
| Keystone Bank 2394 E. UNIVERSITY DR. AUBURN, AL 36830 |
* | $ 113,582,000 | 3 | $ 67,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,629,217,000 | 3 | $ 324,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 3 | $ 250,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 44,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 2 | $ 332,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 91,699,000 | 2 | $ 32,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 2 | $ 271,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 2 | $ 378,000 |
| Ab&T National Bank 1479 W MAIN ST DOTHAN, AL 36301 |
* | $ 55,128,000 | 2 | $ 84,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 2 | $ 615,000 |
| Worthington Federal Bank 3301 MEMORIAL PARKWAY SW HUNTSVILLE, AL 35801 |
* | $ 119,667,000 | 2 | $ 180,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 2 | $ 50,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 2 | $ 87,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 334,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 315,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 390,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Pine State Mortgage Corp 6065 ROSWELL ROAD SUITE 300 ATLANTA, GA 30328 |
* | $ 10,000,000 | 1 | $ 34,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 196,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 32,000 |
| Town Square Mortgage & Investments LLC 17300 DALLAS PKWY, STE 1030 DALLAS, TX 75248 |
* | $ 1,000,000,000 | 1 | $ 185,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 260,000 |
| Southern Highlands Mortgage, L 215 BLUE RIDGE ST. SUITE A BLAIRSVILLE, GA 30512 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 109,000 |
| World Alliance Financial Corp. 3 HUNTINGTON QUADRANGLE SUITE 201N MELVILLE, NY 11747 |
* | $ 389,397,000 | 1 | $ 36,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Standard Mortgage Corporation 701 POYDRAS ST 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ 31,000,000 | 1 | $ 40,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 1 | $ 168,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 72,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 79,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 1 | $ 70,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 170,000 |
| Iberiabank Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 499,416,000 | 1 | $ 293,000 |
| Aod Federal Credit Union 334 VICTORY DRIVE BYNUM, AL 36253 |
* | $ 163,797,000 | 1 | $ 60,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 100,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Prysma Lending Group, LLC 18 PADANARAM RD DANBURY, CT 06811 |
* | $ 515,000 | 1 | $ 137,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Oxford Lending Group, LLC 1 EAST CAMPUS VIEW BLVD STE #200 COLUMBUS, OH 43235 |
* | $ 700,000,000 | 1 | $ 195,000 |
| Leverage Financial LLC 1213 N. FRANKLIN ST. TAMPA, FL 33602 |
* | $ 1,146,000 | 1 | $ 68,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 81,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 245,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 1 | $ 42,000 |
| Grandbridge Real Est Capital 223 W NASH STREET WILSON, NC 27893 |
* | $ 74,000,000,000 | 1 | $ 3,357,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 1,161,460,000 | 1 | $ 64,000 |
| Community Capital Bank 2236 MOUNT ZION RD JONESBORO, GA 30236 |
* | $ 185,350,000 | 1 | $ 121,000 |
| Metro Bank 800 MARTIN ST S PELL CITY, AL 35128 |
* | $ 518,172,000 | 1 | $ 10,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 6,513,521,000 | 1 | $ 215,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 1 | $ 82,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 1 | $ 212,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 129,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 181,604,079,000 | 1 | $ 126,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 186,000 |
| Homeservices Lending, LLC A 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 172,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 1 | $ 56,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 152,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,657,261,000 | 1 | $ 115,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 6,470,886,000 | 1 | $ 54,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 12,000,000 | 1 | $ 292,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 8,574,452,000 | 1 | $ 152,000 |
| F & M Bank and Trust Company 142 W. MAIN STREET, P.O. BOX 718 MANCHESTER, GA 31816 |
* | $ 102,687,000 | 1 | $ 535,000 |
| Southcrest Bank 108 S CHURCH STREET THOMASTON, GA 30286 |
* | $ 310,829,000 | 1 | $ 115,000 |
| Bank of Coweta 110 JEFFERSON STREET NEWNAN, GA 30263 |
* | $ 392,044,000 | 1 | $ 3,204,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 1,759,643,000 | 1 | $ 56,000 |
The tables below break down 2009 mortgage applications in Chambers 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 Chambers County, AL in 2009
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 | 1,039 | $121,655,000 | $117,000 | $3,204,000 | $54,000 | $1,224,000 |
| Home Purchase | 402 | $40,083,000 | $99,000 | $535,000 | $45,000 | $325,000 |
| Home Improvement | 137 | $9,098,000 | $66,000 | $3,357,000 | $45,000 | $220,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,020 | $112,765,000 | $110,000 | $450,000 | $57,000 | $877,000 |
| Black or African American | 276 | $23,279,000 | $84,000 | $301,000 | $42,000 | $1,224,000 |
| Not Provided | 145 | $14,877,000 | $102,000 | $535,000 | $48,000 | $329,000 |
| Not applicable | 127 | $18,938,000 | $149,000 | $3,357,000 | $25,000 | $329,000 |
| Hispanic | 7 | $389,000 | $55,000 | $96,000 | $50,000 | $135,000 |
| Asian | 2 | $451,000 | $225,000 | $244,000 | $81,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $137,000 | $137,000 | $137,000 | $84,000 | $84,000 |
| American Indian or Alaskan Native | 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) | 872 | $90,901,000 | $104,000 | $3,204,000 | $61,000 | $1,224,000 |
| FHA-insured (Federal Housing Administration) | 558 | $64,609,000 | $115,000 | $3,357,000 | $40,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $6,981,000 | $87,000 | $172,000 | $27,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 68 | $8,345,000 | $122,000 | $268,000 | $33,000 | $170,000 |
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 | 621 | $71,026,000 | $114,000 | $3,357,000 | $56,000 | $1,224,000 |
| Loan Purchased By The Institution | 333 | $35,848,000 | $107,000 | $401,000 | $35,000 | $329,000 |
| Application Denied By Financial Institution | 332 | $31,377,000 | $94,000 | $417,000 | $51,000 | $628,000 |
| Application Withdrawn By Applicant | 195 | $23,173,000 | $118,000 | $535,000 | $62,000 | $540,000 |
| File Closed For Incompleteness | 50 | $5,456,000 | $109,000 | $286,000 | $45,000 | $83,000 |
| Application Approved But Not Accepted | 46 | $3,913,000 | $85,000 | $355,000 | $54,000 | $180,000 |
| Preapproval Denied by Financial Institution | 1 | $43,000 | $43,000 | $43,000 | $17,000 | $17,000 |
| Preapproval Approved but not Accepted | 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 | 60 | $4,210,000 | $70,000 | $250,000 | $52,000 | $147,000 |
| Collateral | 51 | $6,457,000 | $126,000 | $417,000 | $76,000 | $628,000 |
| Debt-To-Income Ratio | 30 | $3,020,000 | $100,000 | $254,000 | $37,000 | $205,000 |
| Other | 21 | $2,383,000 | $113,000 | $368,000 | $54,000 | $166,000 |
| Credit Application Incomplete | 5 | $396,000 | $79,000 | $158,000 | $41,000 | $62,000 |
| Employment History | 5 | $678,000 | $135,000 | $248,000 | $99,000 | $189,000 |
| Unverifiable Information | 4 | $610,000 | $152,000 | $215,000 | $89,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $100,000 | $100,000 | $100,000 | $63,000 | $63,000 |
| 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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