Chambers County, AL Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 981 mortgage applications in Chambers County, AL totaling $91.9 million, down 3% from 2010. The average application was for $93,000, and applicants reported an average income of $45,000. 37% of applications resulted in an originated loan and 25% were denied. The most active lender was Wells Fargo Bank NA, with 94 applications, followed by Vanderbilt Mortgage and Finance, Inc and Embrace Home Loans, Inc..

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Total Number of Mortgage Applications 981
Total Mortgage Loan Application Amount $91,944,000
Average Mortgage Loan Application Amount $93,000
Highest Mortgage Loan Application Amount $484,000
Average Applicant Income $45,000
Highest Applicant Income $881,000

Mortgage Company List for Lending in Chambers County, AL for 2011

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 94 $ 9,728,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 73 $ 4,034,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 65 $ 5,086,000
Auburnbank
100 N. GAY STREET
AUBURN, AL 36830
* $ 759,867,000 64 $ 7,897,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 62 $ 6,440,000
Charterbank
1233 O.G. SKINNER DRIVE
WEST POINT, GA 31833
* $ 1,062,792,000 60 $ 5,311,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 48 $ 5,287,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,595,709,000 46 $ 3,593,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 43 $ 2,184,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 42 $ 3,687,000
Frontier Bank
401 VERNON STREET
LAGRANGE, GA 30240
* $ 310,988,000 39 $ 878,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 24 $ 1,048,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 18 $ 2,424,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 15 $ 2,633,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 499,416,000 13 $ 1,486,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 13 $ 1,954,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 12 $ 1,468,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 11 $ 1,320,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 8 $ 743,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 988,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 8 $ 959,000
Keystone Bank
2394 E. UNIVERSITY DR.
AUBURN, AL 36830
* $ 187,870,000 8 $ 303,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 7 $ 570,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 7 $ 867,000
Citifinancial Corporation,Llc
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 7 $ 436,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 7 $ 1,263,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 7 $ 558,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 881,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 6 $ 370,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 5 $ 240,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 5 $ 227,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 4 $ 610,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 4 $ 364,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 595,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MT., NC 27804
* $ 27,285,986,000 4 $ 387,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 545,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 673,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 542,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 4 $ 497,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 4 $ 382,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 4 $ 368,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,270,503,000 3 $ 172,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 3 $ 408,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 3 $ 286,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 727,307,000 3 $ 315,000
Four Seasons Federal Credit Union
2915 PEPPERELL PARKWAY
OPELIKA, AL 36801
* $ 46,598,000 3 $ 125,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 676,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 545,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 62,638,180,000 3 $ 194,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 3 $ 386,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 2 $ 189,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 2 $ 487,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 7,724,367,000 2 $ 64,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 330,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 219,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 102,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,270,503,000 2 $ 114,000
Anchor Mortgage Services, Inc.
4260 CARMICHAEL COURT NORTH
MONTGOMERY, AL 36106
* $ 10,000,000 2 $ 254,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 373,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 534,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 439,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 2 $ 114,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 118,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 194,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 271,648,000 2 $ 200,000
Community Bank & Trust-West Ga
201 BROAD STREET
LAGRANGE, GA 30240
* $ 100,400,000 2 $ 295,000
Banktrust
107 ST FRANCIS STREET
MOBILE, AL 36602
* $ 2,155,856,000 1 $ 42,000
The Bank of Georgia
100 WESTPARK DRIVE
PEACHTREE CITY, GA 30269
* $ 352,439,000 1 $ 37,000
Talbot State Bank
710 NORTH GLYNN STREET
FAYETTEVILLE, GA 30214
* $ 72,125,000 1 $ 12,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 91,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 67,913,000 1 $ 282,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 938,997,000 1 $ 66,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 41,000
Fort McClellan Credit Union
1731 NOBLE STREET
ANNISTON, AL 36201
* $ 147,508,000 1 $ 102,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 3,880,849,000 1 $ 50,000
Emblem Credit Union
702 WALNUT ST
GADSDEN, AL 35901
* $ 197,839,000 1 $ 25,000
Max Credit Union
400 EASTDALE CIRCLE
MONTGOMERY, AL 36117
* $ 861,761,000 1 $ 32,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 114,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 242,561,000 1 $ 250,000
Mountain Valley Community Bank
136 N MAIN ST
CLEVELAND, GA 30528
* $ 139,640,000 1 $ 1,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 41,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 128,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 130,000
Auburn University Credit Union
PO BOX 1610
AUBURN, AL 36831
* $ 123,638,000 1 $ 25,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ 10,000,000 1 $ 310,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 79,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 63,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 125,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 63,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 110,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 136,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ 10,000,000 1 $ 136,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 52,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 65,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 120,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 27,908,468,000 1 $ 10,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 122,000
Aliant Bank
200 ALIANT PARKWAY
ALEXANDER CITY, AL 35010
* $ 904,828,000 1 $ 50,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 1 $ 123,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 25,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 35,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 1 $ 166,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 1 $ 395,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 75,000

The tables below break down 2011 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 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 503 $55,109,000 $109,000 $484,000 $50,000 $881,000
Home Purchase 382 $32,737,000 $85,000 $410,000 $38,000 $237,000
Home Improvement 96 $4,098,000 $42,000 $417,000 $45,000 $161,000

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 640 $62,931,000 $98,000 $484,000 $50,000 $881,000
Black or African American 188 $14,998,000 $79,000 $318,000 $35,000 $176,000
Not Provided 77 $5,690,000 $73,000 $178,000 $44,000 $420,000
Not applicable 62 $6,141,000 $99,000 $398,000 $11,000 $143,000
Hispanic 7 $740,000 $105,000 $179,000 $38,000 $58,000
American Indian or Alaskan Native 5 $1,257,000 $251,000 $400,000 $223,000 $800,000
Asian 2 $187,000 $93,000 $167,000 $44,000 $58,000
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) 568 $49,040,000 $86,000 $484,000 $52,000 $881,000
FHA-insured (Federal Housing Administration) 294 $28,595,000 $97,000 $275,000 $34,000 $420,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 62 $5,740,000 $92,000 $172,000 $33,000 $64,000
VA-guaranteed (Veterans Administration) 57 $8,569,000 $150,000 $410,000 $41,000 $123,000

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 363 $35,427,000 $97,000 $484,000 $52,000 $408,000
Application Denied By Financial Institution 250 $19,819,000 $79,000 $400,000 $42,000 $881,000
Loan Purchased By The Institution 181 $18,979,000 $104,000 $398,000 $32,000 $143,000
Application Withdrawn By Applicant 100 $10,567,000 $105,000 $400,000 $54,000 $800,000
Application Approved But Not Accepted 70 $5,575,000 $79,000 $395,000 $39,000 $123,000
File Closed For Incompleteness 17 $1,577,000 $92,000 $214,000 $50,000 $152,000
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 57 $2,996,000 $52,000 $178,000 $52,000 $881,000
Collateral 33 $3,718,000 $112,000 $295,000 $58,000 $420,000
Debt-To-Income Ratio 31 $2,546,000 $82,000 $217,000 $28,000 $78,000
Other 14 $711,000 $50,000 $168,000 $31,000 $72,000
Credit Application Incomplete 11 $1,179,000 $107,000 $241,000 $50,000 $167,000
Employment History 4 $484,000 $121,000 $349,000 $76,000 $115,000
Insufficient Cash (Downpayment, Closing Cost) 2 $78,000 $39,000 $64,000 $29,000 $33,000
Mortgage Insurance Denied 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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