Choctaw County, AL Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 396 mortgage applications in Choctaw County, AL totaling $29.0 million, down 3% from 2012. The average application was for $73,000, and applicants reported an average income of $57,000. 42% of applications resulted in an originated loan and 34% were denied. The most active lender was Regions Bank, with 53 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 | 396 |
| Total Mortgage Loan Application Amount | $28,953,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $441,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $1,405,000 |
* 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 |
* | $ 120,420,787,000 | 53 | $ 2,054,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 45 | $ 1,866,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 37 | $ 1,734,000 |
| Naheola Credit Union P O BOX 102 PENNINGTON, AL 36916 |
* | $ 75,355,000 | 33 | $ 1,452,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 578,292,000 | 32 | $ 2,579,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 567,133,000 | 21 | $ 841,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 19 | $ 1,623,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 162,278,000 | 16 | $ 1,626,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,209,458,000 | 10 | $ 522,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 996,000 |
| First State Bank P O BOX 506 WAYNESBORO, MS 39367 |
* | $ 491,960,000 | 7 | $ 560,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 7 | $ 642,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 6 | $ 815,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 5 | $ 338,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 5 | $ 505,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 5 | $ 242,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 766,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 3 | $ 457,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 349,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 386,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 456,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 5,130,184,000 | 3 | $ 143,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 364,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 3 | $ 162,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 2 | $ 172,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 2 | $ 136,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 113,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 2 | $ 531,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 9,716,802,000 | 2 | $ 160,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 2 | $ 206,000 |
| First Community Bank 34 COURT STREET CHATOM, AL 36518 |
* | $ 316,553,000 | 2 | $ 81,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 444,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 331,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Merchants Bank 1901 COLLEGE AVENUE JACKSON, AL 36545 |
* | $ 211,889,000 | 2 | $ 98,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 261,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 1 | $ 25,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 143,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 95,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 549,206,000 | 1 | $ 27,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 97,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 125,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 122,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 291,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,701,612,000 | 1 | $ 4,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 660,319,000 | 1 | $ 110,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 165,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 441,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Marion & Polk Schools Credit Union PO BOX 12398 SALEM, OR 97309 |
* | $ 445,384,000 | 1 | $ 107,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 4,234,352,000 | 1 | $ 104,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 1 | $ 174,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 80,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 148,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 155,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,084,821,000 | 1 | $ 117,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 34,000 |
The tables below break down 2013 mortgage applications in Choctaw 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 Choctaw County, AL in 2013
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 | 204 | $13,755,000 | $67,000 | $315,000 | $58,000 | $1,405,000 |
| Refinancing | 136 | $13,889,000 | $102,000 | $441,000 | $60,000 | $222,000 |
| Home Improvement | 56 | $1,309,000 | $23,000 | $295,000 | $45,000 | $173,000 |
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 | 240 | $19,518,000 | $81,000 | $441,000 | $72,000 | $1,405,000 |
| Black or African American | 120 | $6,145,000 | $51,000 | $174,000 | $37,000 | $146,000 |
| Not applicable | 19 | $2,031,000 | $106,000 | $221,000 | $6,000 | $50,000 |
| Not Provided | 12 | $971,000 | $80,000 | $249,000 | $48,000 | $120,000 |
| Hispanic | 3 | $97,000 | $32,000 | $49,000 | $22,000 | $31,000 |
| American Indian or Alaskan Native | 2 | $191,000 | $95,000 | $126,000 | $24,000 | $49,000 |
| Asian | 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) | 324 | $20,701,000 | $63,000 | $324,000 | $55,000 | $214,000 |
| FHA-insured (Federal Housing Administration) | 42 | $5,142,000 | $122,000 | $441,000 | $83,000 | $1,405,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,011,000 | $125,000 | $174,000 | $50,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,099,000 | $78,000 | $129,000 | $37,000 | $67,000 |
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 | 166 | $12,107,000 | $72,000 | $315,000 | $63,000 | $214,000 |
| Application Denied By Financial Institution | 134 | $7,473,000 | $55,000 | $324,000 | $46,000 | $157,000 |
| Application Approved But Not Accepted | 41 | $2,614,000 | $63,000 | $254,000 | $48,000 | $101,000 |
| Application Withdrawn By Applicant | 23 | $3,010,000 | $130,000 | $441,000 | $118,000 | $1,405,000 |
| Loan Purchased By The Institution | 22 | $2,491,000 | $113,000 | $221,000 | $19,000 | $79,000 |
| File Closed For Incompleteness | 10 | $1,258,000 | $125,000 | $242,000 | $61,000 | $220,000 |
| 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 | 37 | $1,962,000 | $53,000 | $249,000 | $49,000 | $140,000 |
| Debt-To-Income Ratio | 6 | $639,000 | $106,000 | $324,000 | $40,000 | $67,000 |
| Collateral | 5 | $533,000 | $106,000 | $295,000 | $37,000 | $90,000 |
| Employment History | 4 | $162,000 | $40,000 | $55,000 | $40,000 | $68,000 |
| Credit Application Incomplete | 2 | $175,000 | $87,000 | $121,000 | $59,000 | $61,000 |
| Other | 2 | $184,000 | $92,000 | $120,000 | $91,000 | $157,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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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