Cherokee County, AL Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 957 mortgage applications in Cherokee County, AL totaling $131.3 million, up 1% from 2018. The average application was for $137,000, and applicants reported an average income of $77,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Regions Bank, with 88 applications, followed by Vanderbilt Mortgage and Finance, Inc 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 | 957 |
| Total Mortgage Loan Application Amount | $131,275,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,385,000 |
* 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 |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 88 | $ 9,020,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 50 | $ 3,700,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 48 | $ 3,740,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 36 | $ 5,640,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,284,058,000 | 32 | $ 5,490,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 29 | $ 5,115,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 29 | $ 4,705,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 26 | $ 4,320,000 |
| Emblem Credit Union 702 WALNUT ST GADSDEN, AL 35901 |
* | $ 302,816,000 | 26 | $ 2,840,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 25 | $ 4,165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 24 | $ 4,490,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 22 | $ 2,390,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 18 | $ 3,310,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 12,548,727,000 | 17 | $ 1,925,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 12 | $ 2,130,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 12 | $ 2,050,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 12 | $ 2,180,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 371,717,000 | 11 | $ 815,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 11 | $ 2,065,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 12,915,178,000 | 11 | $ 1,835,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 124,485,000 | 11 | $ 1,995,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 10 | $ 1,090,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 10 | $ 2,010,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 10 | $ 1,240,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 10 | $ 1,050,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 9 | $ 1,645,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 11,357,345,000 | 9 | $ 1,935,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 8 | $ 1,470,000 |
| Farmers and Merchants Bank 112 E LADIGA STREET PIEDMONT, AL 36272 |
* | $ 223,830,000 | 8 | $ 620,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 8 | $ 1,670,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 7 | $ 605,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 7 | $ 845,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 144,960,000 | 7 | $ 955,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 7 | $ 875,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 6 | $ 1,050,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 6 | $ 970,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 90,056,875,000 | 6 | $ 530,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 6 | $ 350,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 940,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 745,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 5 | $ 795,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 5 | $ 775,000 |
| Peoples Bank of Alabama 1912 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 786,448,000 | 5 | $ 385,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 5 | $ 815,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 4 | $ 310,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 787,746,000 | 4 | $ 450,000 |
| Synovus Mortgage Corp. 800 SHADES CREEK PARKWAY BIRMINGHAM, AL 35209 |
* | $ -1,000 | 4 | $ 810,000 |
| Noblebank & Trust 1509 QUINTARD AVE ANNISTON, AL 36201 |
* | $ 257,588,000 | 4 | $ 210,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 4 | $ 1,070,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ -1,000 | 4 | $ 450,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 4 | $ 160,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 4 | $ 630,000 |
| Liberty Bank 40956 AL HWY 75, PO BOX 187 GERALDINE, AL 35974 |
* | $ 137,866,000 | 4 | $ 170,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 4 | $ 510,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 660,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 700,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 12,326,862,000 | 4 | $ 510,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 3 | $ 245,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 325,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 155,000 |
| Coosa Valley Credit Union 2010 REDMOND CIRCLE ROME, GA 30165 |
* | $ 357,649,000 | 3 | $ 425,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 275,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,673,422,000 | 3 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 355,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 3 | $ 575,000 |
| Fort McClellan Credit Union 1731 NOBLE STREET ANNISTON, AL 36201 |
* | $ 230,737,000 | 3 | $ 335,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 32,580,905,000 | 3 | $ 655,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 250,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 1,576,168,000 | 2 | $ 680,000 |
| The Exchange Bank of Alabama PO BOX 1100 GADSDEN, AL 35902 |
* | $ 281,004,000 | 2 | $ 660,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 290,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 420,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 2 | $ 90,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 1,359,039,000 | 2 | $ 400,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 260,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 190,000 |
| Greater Community Bank 1490 MARTHA BERRY BLVD.; P. O. BOX 529 ROME, GA 30162 |
* | $ 187,745,000 | 2 | $ 130,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 18,008,424,000 | 2 | $ 440,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 240,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 370,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 170,000 |
| Ithink Financial Credit Union 1000 NW 17TH AVENUE DELRAY BEACH, FL 33445 |
* | $ 1,132,677,000 | 2 | $ 260,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ -1,000 | 2 | $ 290,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 2 | $ 290,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 390,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 2 | $ 160,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 3,538,467,000 | 1 | $ 85,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 8,007,143,000 | 1 | $ 135,000 |
| Peoples Independent Bank 121 BILLY DYAR BLVD PO BOX 669 BOAZ, AL 35957 |
* | $ 299,731,000 | 1 | $ 255,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,798,459,000 | 1 | $ 55,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 105,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 1 | $ 85,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 115,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 155,000 |
| First Jackson Bank, Inc 43243 U S HIGHWAY 72 STEVENSON, AL 35772 |
* | $ 262,332,000 | 1 | $ 55,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ -1,000 | 1 | $ 195,000 |
| Southeast First National Bank P.O. BOX 530, 10144 COMMERCE STREET SUMMERVILLE, GA 30747 |
* | $ 58,363,000 | 1 | $ 165,000 |
| First Bank 118 N. HAMILTON ST. DALTON, GA 30720 |
* | $ 366,458,000 | 1 | $ 35,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 1 | $ 105,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 1 | $ 115,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 245,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 255,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 85,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 1,074,501,000 | 1 | $ 115,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 145,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 235,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 335,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 135,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ -1,000 | 1 | $ 335,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 155,000 |
| Ccb Community Bank 225 E THREE NOTCH STREET ANDALUSIA, AL 36420 |
* | $ 501,108,000 | 1 | $ 335,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,347,510,000 | 1 | $ 65,000 |
| Certainty Home Loans, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 1 | $ 195,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 45,000 |
| River City Bank 228 NORTH 2ND AVENUE ROME, GA 30165 |
* | $ 167,133,000 | 1 | $ 205,000 |
| Family Savings Credit Union 711 E MEIGHAN BLVD RAINBOW CITY, AL 35906 |
* | $ 405,735,000 | 1 | $ 25,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 135,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 235,000 |
| Acipco Federal Credit Union 1501 31ST AVE N BIRMINGHAM, AL 35202 |
* | $ 156,892,000 | 1 | $ 25,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 25,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 325,000 |
| Belem Servicing, LLC dba Patriot Home Mortgage 230 N 1680 E ST GEORGE, UT 84770 |
* | $ -1,000 | 1 | $ 175,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 4,734,882,000 | 1 | $ 125,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 1 | $ 75,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 159,291,000,000 | 1 | $ 85,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 2,863,041,000 | 1 | $ 35,000 |
| The Mortgage Firm 921 DOUGLAS AVENUE, SUITE 200 ALTAMONTE SPRINGS, FL 32714 |
* | $ -1,000 | 1 | $ 285,000 |
| Heritage First Bank 501 BROAD STREET ROME, GA 30161 |
* | $ 133,500,000 | 1 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 85,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 1 | $ 35,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 185,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 282,714,000 | 1 | $ 125,000 |
| River Bank & Trust 2611 LEGENDS DRIVE PRATTVILLE, AL 36066 |
* | $ 1,070,362,000 | 1 | $ 45,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 5,756,303,000 | 1 | $ 35,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 135,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 1 | $ 205,000 |
The tables below break down 2019 mortgage applications in Cherokee 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 Cherokee County, AL in 2019
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 | 494 | $64,740,000 | $131,000 | $965,000 | $75,000 | $553,000 |
| Refinancing | 202 | $33,180,000 | $164,000 | $665,000 | $87,000 | $1,385,000 |
| Cash-out Refinancing | 141 | $24,685,000 | $175,000 | $455,000 | $75,000 | $517,000 |
| Other Purpose | 73 | $4,775,000 | $65,000 | $405,000 | $67,000 | $298,000 |
| Home Improvement | 40 | $3,050,000 | $76,000 | $235,000 | $75,000 | $198,000 |
| Not Applicable | 7 | $845,000 | $120,000 | $175,000 | $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 |
|---|---|---|---|---|---|---|
| White | 762 | $101,170,000 | $132,000 | $965,000 | $74,000 | $553,000 |
| Not applicable | 96 | $15,810,000 | $164,000 | $665,000 | $92,000 | $307,000 |
| Not Provided | 59 | $9,315,000 | $157,000 | $435,000 | $100,000 | $1,385,000 |
| Hispanic | 15 | $2,685,000 | $179,000 | $665,000 | $106,000 | $334,000 |
| Black or African American | 14 | $1,290,000 | $92,000 | $205,000 | $55,000 | $208,000 |
| American Indian or Alaskan Native | 8 | $750,000 | $93,000 | $145,000 | $102,000 | $343,000 |
| Asian | 2 | $190,000 | $95,000 | $145,000 | $60,000 | $71,000 |
| 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) | 633 | $80,885,000 | $127,000 | $965,000 | $83,000 | $553,000 |
| FHA-insured (Federal Housing Administration) | 171 | $23,805,000 | $139,000 | $405,000 | $70,000 | $1,385,000 |
| VA-guaranteed (Veterans Administration) | 114 | $22,110,000 | $193,000 | $665,000 | $54,000 | $177,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,475,000 | $114,000 | $165,000 | $45,000 | $80,000 |
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 | 475 | $69,965,000 | $147,000 | $965,000 | $85,000 | $1,385,000 |
| Application Denied By Financial Institution | 189 | $18,965,000 | $100,000 | $345,000 | $57,000 | $395,000 |
| Loan Purchased By The Institution | 123 | $21,025,000 | $170,000 | $665,000 | $107,000 | $354,000 |
| Application Withdrawn By Applicant | 87 | $12,575,000 | $144,000 | $455,000 | $76,000 | $285,000 |
| File Closed For Incompleteness | 56 | $6,130,000 | $109,000 | $375,000 | $53,000 | $225,000 |
| Application Approved But Not Accepted | 27 | $2,615,000 | $96,000 | $225,000 | $66,000 | $145,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 714 | $104,390,000 | $146,000 | $965,000 | $81,000 | $1,385,000 |
| Debt-To-Income Ratio | 96 | $12,500,000 | $130,000 | $415,000 | $74,000 | $307,000 |
| Credit History | 69 | $5,025,000 | $72,000 | $265,000 | $60,000 | $395,000 |
| Collateral | 38 | $4,640,000 | $122,000 | $345,000 | $66,000 | $188,000 |
| Credit Application Incomplete | 18 | $2,390,000 | $132,000 | $285,000 | $65,000 | $141,000 |
| Other | 9 | $1,245,000 | $138,000 | $325,000 | $76,000 | $160,000 |
| Unverifiable Information | 7 | $565,000 | $80,000 | $155,000 | $41,000 | $70,000 |
| Employment History | 4 | $290,000 | $72,000 | $125,000 | $41,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $230,000 | $115,000 | $135,000 | $42,000 | $65,000 |
| 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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