Choctaw County, AL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 266 mortgage applications in Choctaw County, AL totaling $31.0 million, down 4% from 2022. The average application was for $116,000, and applicants reported an average income of $81,000. 36% of applications resulted in an originated loan and 37% were denied. The most active lender was 21st Mortgage, with 62 applications, followed by Regions Bank 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 | 266 |
| Total Mortgage Loan Application Amount | $30,960,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $495,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $279,000 |
* 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 | 62 | $ 6,420,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 29 | $ 2,085,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 16 | $ 1,740,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 14 | $ 1,510,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 18,013,146,000 | 14 | $ 2,390,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 11 | $ 1,215,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 854,535,000 | 10 | $ 450,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 8 | $ 1,440,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 8 | $ 920,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 7 | $ 1,345,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 5 | $ 715,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 5 | $ 265,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 4 | $ 540,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 455,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 3 | $ 415,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 3 | $ 175,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 385,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 210,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 270,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 250,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 2 | $ 260,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 1,086,631,000 | 2 | $ 240,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 390,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 3,450,913,000 | 2 | $ 700,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 280,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 130,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 180,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 1 | $ 475,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 85,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ 865,286,000 | 1 | $ 35,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 25,000 |
| Legends Bank P.O. BOX 1066 CLARKSVILLE, TN 37041 |
* | $ 826,846,000 | 1 | $ 175,000 |
| Financial Federal Bank 1715 AARON BRENNER DRIVE MEMPHIS, TN 38120 |
* | $ 891,834,000 | 1 | $ 335,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 135,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 85,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 245,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 4,608,467,000 | 1 | $ 5,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 145,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 175,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 225,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 35,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 59,629,623,000 | 1 | $ 105,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 75,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 175,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 43,900,126,000 | 1 | $ 85,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 6,463,617,000 | 1 | $ 25,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 35,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 175,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 335,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 994,588,000 | 1 | $ 85,000 |
The tables below break down 2023 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 2023
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 | 182 | $23,450,000 | $128,000 | $495,000 | $78,000 | $250,000 |
| Refinancing | 29 | $2,925,000 | $100,000 | $305,000 | $93,000 | $179,000 |
| Cash-out Refinancing | 22 | $2,950,000 | $134,000 | $475,000 | $101,000 | $279,000 |
| Other Purpose | 20 | $990,000 | $49,000 | $105,000 | $94,000 | $210,000 |
| Home Improvement | 12 | $580,000 | $48,000 | $105,000 | $56,000 | $126,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 138 | $17,050,000 | $123,000 | $335,000 | $89,000 | $250,000 |
| Black or African American | 99 | $10,665,000 | $107,000 | $495,000 | $67,000 | $279,000 |
| Not Provided | 20 | $2,250,000 | $112,000 | $225,000 | $102,000 | $250,000 |
| Not applicable | 7 | $925,000 | $132,000 | $225,000 | $0 | $0 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $30,000 | $30,000 |
| American Indian or Alaskan Native | 1 | $5,000 | $5,000 | $5,000 | $77,000 | $77,000 |
| 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) | 223 | $24,525,000 | $109,000 | $495,000 | $82,000 | $250,000 |
| FHA-insured (Federal Housing Administration) | 31 | $3,775,000 | $121,000 | $255,000 | $62,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,375,000 | $215,000 | $475,000 | $112,000 | $279,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $285,000 | $285,000 | $285,000 | $85,000 | $85,000 |
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 | 98 | $10,030,000 | $102,000 | $335,000 | $69,000 | $179,000 |
| Loan Originated | 95 | $12,485,000 | $131,000 | $495,000 | $96,000 | $279,000 |
| Application Withdrawn By Applicant | 29 | $3,915,000 | $135,000 | $305,000 | $82,000 | $250,000 |
| File Closed For Incompleteness | 29 | $2,875,000 | $99,000 | $175,000 | $76,000 | $155,000 |
| Application Approved But Not Accepted | 8 | $730,000 | $91,000 | $135,000 | $74,000 | $110,000 |
| Loan Purchased By The Institution | 7 | $925,000 | $132,000 | $225,000 | $0 | $0 |
| 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 | 156 | $20,220,000 | $129,000 | $495,000 | $89,000 | $279,000 |
| Credit History | 61 | $5,565,000 | $91,000 | $235,000 | $65,000 | $162,000 |
| Debt-To-Income Ratio | 31 | $2,655,000 | $85,000 | $225,000 | $75,000 | $146,000 |
| Credit Application Incomplete | 7 | $975,000 | $139,000 | $305,000 | $93,000 | $179,000 |
| Collateral | 4 | $620,000 | $155,000 | $335,000 | $110,000 | $149,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $700,000 | $175,000 | $225,000 | $95,000 | $144,000 |
| Unverifiable Information | 3 | $225,000 | $75,000 | $125,000 | $34,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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