Clarke County, AL Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 688 mortgage applications in Clarke County, AL totaling $96.9 million, up 17% from 2024. The average application was for $140,000, and applicants reported an average income of $83,000. 39% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 126 applications, followed by Cadence 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 | 688 |
| Total Mortgage Loan Application Amount | $96,910,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $1,235,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $672,000 |
* 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 |
* | $ n/a | 126 | $ 13,180,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 65 | $ 9,385,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 44 | $ 4,250,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 36 | $ 5,220,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 31 | $ 3,395,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 31 | $ 5,255,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 23 | $ 3,365,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 20 | $ 3,160,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 19 | $ 3,455,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 11 | $ 2,305,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 11 | $ 2,125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 11 | $ 1,685,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 10 | $ 1,540,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 10 | $ 830,000 |
| Smartbank 2430 TEASTER LANE PIGEON FORGE, TN 37863 |
* | $ n/a | 9 | $ 1,025,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 8 | $ 1,990,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 1,150,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 8 | $ 980,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 575,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 7 | $ 685,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 7 | $ 535,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 970,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ n/a | 5 | $ 285,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 5 | $ 1,135,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 655,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 5 | $ 825,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 4 | $ 580,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 770,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,000,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 550,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ n/a | 4 | $ 550,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 240,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 245,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 355,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 3 | $ 175,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ n/a | 3 | $ 395,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ n/a | 3 | $ 425,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 205,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 250,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 530,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 60,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 590,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 910,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 2 | $ 600,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 420,000 |
| New Horizons Credit Union P O BOX 2966 MOBILE, AL 36609 |
* | $ n/a | 2 | $ 260,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 440,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 2 | $ 310,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 180,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 430,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 260,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 400,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 2 | $ 330,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 280,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ n/a | 2 | $ 140,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 540,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 2 | $ 670,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 190,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ n/a | 2 | $ 300,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 260,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 2 | $ 230,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 85,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 1 | $ 85,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 225,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 375,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 265,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 145,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 1 | $ 65,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 1,235,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ n/a | 1 | $ 265,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 345,000 |
| Marion Community Bank 601 WASHINGTON ST MARION, AL 36756 |
* | $ n/a | 1 | $ 155,000 |
| First Nation Bank and Trust 111 S MAIN ST ATMORE, AL 36502 |
* | $ n/a | 1 | $ 15,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ n/a | 1 | $ 805,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 175,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 195,000 |
| Robertson Banking Company 216 NORTH WALNUT AVE DEMOPOLIS, AL 36732 |
* | $ n/a | 1 | $ 45,000 |
| U.S. Eagle Federal Credit Union 5201 ANTEQUERA NW ALBUQUERQUE, NM 87120 |
* | $ n/a | 1 | $ 165,000 |
| Bryant Bank 1550 MCFARLAND BLVD N TUSCALOOSA, AL 35406 |
* | $ n/a | 1 | $ 335,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 175,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ n/a | 1 | $ 275,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 85,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 305,000 |
| Avadian Credit Union 1 RIVERCHASE PKWY S HOOVER, AL 35244 |
* | $ n/a | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 305,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ n/a | 1 | $ 55,000 |
| Century Bank P O BOX 647 LUCEDALE, MS 39452 |
* | $ n/a | 1 | $ 135,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 115,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 105,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 125,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 75,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 285,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 195,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 65,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 1 | $ 305,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 165,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 215,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 105,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 145,000 |
| Pike Creek Mortgage Services, Inc. 2100 DRUMMOND PLAZA NEWARK, DE 19711 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2025 mortgage applications in Clarke 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 Clarke County, AL in 2025
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 | 459 | $68,865,000 | $150,000 | $1,235,000 | $80,000 | $672,000 |
| Cash-out Refinancing | 86 | $12,670,000 | $147,000 | $805,000 | $87,000 | $198,000 |
| Refinancing | 69 | $10,395,000 | $150,000 | $435,000 | $94,000 | $625,000 |
| Other Purpose | 52 | $3,410,000 | $65,000 | $305,000 | $84,000 | $300,000 |
| Home Improvement | 22 | $1,570,000 | $71,000 | $135,000 | $95,000 | $271,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 318 | $47,370,000 | $148,000 | $805,000 | $94,000 | $625,000 |
| Black or African American | 240 | $27,950,000 | $116,000 | $395,000 | $70,000 | $672,000 |
| Not applicable | 68 | $13,320,000 | $195,000 | $1,235,000 | $0 | $0 |
| Not Provided | 45 | $5,715,000 | $127,000 | $305,000 | $78,000 | $300,000 |
| Hispanic | 9 | $1,785,000 | $198,000 | $375,000 | $75,000 | $119,000 |
| American Indian or Alaskan Native | 6 | $610,000 | $101,000 | $185,000 | $72,000 | $108,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $32,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $97,000 | $97,000 |
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) | 473 | $57,325,000 | $121,000 | $1,235,000 | $85,000 | $672,000 |
| FHA-insured (Federal Housing Administration) | 121 | $21,705,000 | $179,000 | $465,000 | $80,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 63 | $13,185,000 | $209,000 | $375,000 | $74,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $4,695,000 | $151,000 | $285,000 | $66,000 | $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 | 271 | $39,735,000 | $146,000 | $595,000 | $90,000 | $625,000 |
| Application Denied By Financial Institution | 191 | $20,395,000 | $106,000 | $465,000 | $69,000 | $672,000 |
| File Closed For Incompleteness | 73 | $10,235,000 | $140,000 | $1,235,000 | $75,000 | $172,000 |
| Loan Purchased By The Institution | 59 | $10,775,000 | $182,000 | $375,000 | $187,000 | $187,000 |
| Application Withdrawn By Applicant | 58 | $10,680,000 | $184,000 | $805,000 | $92,000 | $214,000 |
| Application Approved But Not Accepted | 36 | $5,090,000 | $141,000 | $405,000 | $100,000 | $400,000 |
| 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 | 488 | $75,630,000 | $154,000 | $1,235,000 | $89,000 | $625,000 |
| Credit History | 100 | $9,230,000 | $92,000 | $275,000 | $72,000 | $672,000 |
| Debt-To-Income Ratio | 40 | $4,250,000 | $106,000 | $375,000 | $52,000 | $150,000 |
| Credit Application Incomplete | 21 | $2,295,000 | $109,000 | $255,000 | $91,000 | $198,000 |
| Collateral | 16 | $1,580,000 | $98,000 | $305,000 | $85,000 | $190,000 |
| Other | 9 | $2,145,000 | $238,000 | $445,000 | $71,000 | $137,000 |
| Unverifiable Information | 9 | $985,000 | $109,000 | $275,000 | $58,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $265,000 | $88,000 | $105,000 | $46,000 | $58,000 |
| Employment History | 2 | $530,000 | $265,000 | $465,000 | $72,000 | $104,000 |
| 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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