Choctaw County, AL Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 301 mortgage applications in Choctaw County, AL totaling $28.3 million, down 5% from 2017. The average application was for $94,000, and applicants reported an average income of $63,000. 36% of applications resulted in an originated loan and 38% were denied. The most active lender was 21st Mortgage, with 77 applications, followed by Regions Bank and West Alabama Bank & Trust.
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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 | 301 |
| Total Mortgage Loan Application Amount | $28,315,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $241,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 77 | $ 4,895,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 43 | $ 3,495,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 601,416,000 | 16 | $ 1,140,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 14 | $ 1,120,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 1,590,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 625,459,000 | 8 | $ 440,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 8 | $ 610,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 7 | $ 1,095,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,035,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 7 | $ 985,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 620,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 555,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 5 | $ 515,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 4 | $ 190,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,795,627,000 | 4 | $ 880,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 495,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 345,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 3 | $ 155,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 3 | $ 405,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 3 | $ 205,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 3 | $ 135,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 380,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 722,208,000 | 2 | $ 550,000 |
| Merchants Bank 1901 COLLEGE AVENUE JACKSON, AL 36545 |
* | $ 216,851,000 | 2 | $ 230,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,461,396,000 | 2 | $ 120,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 330,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 413,653,000 | 2 | $ 190,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 170,000 |
| New Horizons Credit Union P O BOX 2966 MOBILE, AL 36609 |
* | $ 214,292,000 | 2 | $ 190,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 180,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 55,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 927,259,000 | 1 | $ 15,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 776,286,000 | 1 | $ 45,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 1 | $ 135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 235,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 1,811,335,000 | 1 | $ 35,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 115,000 |
| Midland Mortgage Corporation 1500 RICHLAND STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 225,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 524,869,000 | 1 | $ 45,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 27,268,871,000 | 1 | $ 325,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 105,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,331,493,000 | 1 | $ 95,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 85,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 155,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,695,108,000 | 1 | $ 15,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 225,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ -1,000 | 1 | $ 175,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,112,603,000 | 1 | $ 145,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 275,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 1 | $ 115,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 55,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ 594,062,000 | 1 | $ 105,000 |
| Alabama Ag Credit, Aca 2660 EASTCHASE LN #401 MONTGOMERY, AL 36117 |
* | $ -1,000 | 1 | $ 115,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 75,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2018 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 2018
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 | 159 | $13,285,000 | $83,000 | $275,000 | $56,000 | $183,000 |
| Refinancing | 63 | $5,995,000 | $95,000 | $335,000 | $66,000 | $241,000 |
| Cash-out Refinancing | 40 | $5,640,000 | $141,000 | $295,000 | $71,000 | $172,000 |
| Other Purpose | 16 | $1,460,000 | $91,000 | $325,000 | $87,000 | $241,000 |
| Home Improvement | 15 | $855,000 | $57,000 | $195,000 | $94,000 | $182,000 |
| Not Applicable | 8 | $1,080,000 | $135,000 | $275,000 | $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 | 172 | $17,530,000 | $101,000 | $335,000 | $74,000 | $241,000 |
| Black or African American | 107 | $7,855,000 | $73,000 | $225,000 | $47,000 | $153,000 |
| Not applicable | 12 | $1,620,000 | $135,000 | $275,000 | $83,000 | $83,000 |
| Not Provided | 8 | $1,090,000 | $136,000 | $255,000 | $68,000 | $146,000 |
| Hispanic | 1 | $155,000 | $155,000 | $155,000 | $22,000 | $22,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $67,000 | $67,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 230 | $18,800,000 | $81,000 | $335,000 | $64,000 | $241,000 |
| FHA-insured (Federal Housing Administration) | 50 | $6,520,000 | $130,000 | $295,000 | $65,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,750,000 | $152,000 | $275,000 | $59,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $245,000 | $81,000 | $115,000 | $43,000 | $50,000 |
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 | 115 | $9,855,000 | $85,000 | $325,000 | $55,000 | $241,000 |
| Loan Originated | 107 | $10,745,000 | $100,000 | $335,000 | $74,000 | $241,000 |
| File Closed For Incompleteness | 34 | $2,450,000 | $72,000 | $205,000 | $62,000 | $172,000 |
| Application Withdrawn By Applicant | 23 | $2,425,000 | $105,000 | $235,000 | $58,000 | $138,000 |
| Loan Purchased By The Institution | 14 | $2,000,000 | $142,000 | $275,000 | $71,000 | $83,000 |
| Application Approved But Not Accepted | 7 | $795,000 | $113,000 | $275,000 | $72,000 | $105,000 |
| Preapproval Denied by Financial Institution | 1 | $45,000 | $45,000 | $45,000 | $24,000 | $24,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 177 | $18,025,000 | $101,000 | $335,000 | $69,000 | $241,000 |
| Credit History | 70 | $5,150,000 | $73,000 | $275,000 | $48,000 | $125,000 |
| Debt-To-Income Ratio | 29 | $2,125,000 | $73,000 | $185,000 | $47,000 | $131,000 |
| Credit Application Incomplete | 12 | $1,440,000 | $120,000 | $325,000 | $91,000 | $241,000 |
| Collateral | 5 | $565,000 | $113,000 | $195,000 | $117,000 | $163,000 |
| Unverifiable Information | 4 | $400,000 | $100,000 | $125,000 | $62,000 | $105,000 |
| Other | 2 | $320,000 | $160,000 | $235,000 | $90,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $290,000 | $145,000 | $175,000 | $90,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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