Clarke County, AL Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 966 mortgage applications in Clarke County, AL totaling $129.3 million, up 9% from 2020. The average application was for $133,000, and applicants reported an average income of $72,000. 49% of applications resulted in an originated loan and 25% were denied. The most active lender was Cadence Bank, with 150 applications, followed by 21st Mortgage and Home Point Financial Corporation.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 966
Total Mortgage Loan Application Amount $129,260,000
Average Mortgage Loan Application Amount $133,000
Highest Mortgage Loan Application Amount $3,905,000
Average Applicant Income $72,000
Highest Applicant Income $780,000

Mortgage Company List for Lending in Clarke County, AL for 2021

* 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
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 21,061,188,000 150 $ 23,150,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 140 $ 11,620,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 77 $ 14,305,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 48 $ 6,200,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 46 $ 6,570,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 37 $ 2,825,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 27 $ 3,805,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 24 $ 2,340,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 20 $ 3,060,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 17 $ 1,715,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 17 $ 2,765,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 1,895,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 13 $ 1,655,000
Smartbank
2430 TEASTER LANE
PIGEON FORGE, TN 37863
* $ 2,449,029,000 13 $ 1,705,000
Family Security Credit Union
2204 FAMILY SECURITY PLACE SW
DECATUR, AL 35603
* $ 686,741,000 12 $ 1,080,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 12 $ 1,880,000
First US Bank
P O BOX 249
BIRMINGHAM, AL 35243
* $ 788,490,000 10 $ 390,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 1,200,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 9 $ 1,305,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 9 $ 1,695,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,260,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 805,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 980,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 795,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 1,025,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 975,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 635,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 520,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 4 $ 490,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,897,550,000 4 $ 310,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ -1,000 4 $ 520,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 3,006,802,000 3 $ 365,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 765,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 3 $ 415,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 3 $ 545,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 3 $ 485,000
Hancock Whitney Bank
2510 14TH STREET
GULFPORT, MS 39501
* $ 30,597,146,000 3 $ 385,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 13,495,944,000 3 $ 475,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 3 $ 295,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 3 $ 585,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 3 $ 165,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 615,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 655,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 3 $ 565,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 2 $ 210,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 2 $ 260,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 290,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 2 $ 180,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 2 $ 260,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 300,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 2 $ 200,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 170,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 2 $ 250,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 2 $ 450,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 2 $ 320,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 300,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 2 $ 280,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 280,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 2 $ 320,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 2 $ 410,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 310,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 210,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 2 $ 280,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 2 $ 380,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 310,000
Merchants & Marine Bank
P. O. BOX 729
PASCAGOULA, MS 39567
* $ 576,804,000 2 $ 310,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 400,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 425,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 145,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 155,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 1 $ 455,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 185,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 115,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 155,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 155,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ 760,123,000 1 $ 235,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 125,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 145,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 95,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 105,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 789,398,000 1 $ 105,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ 132,336,000 1 $ 85,000
The First, A National Banking Association
P.O. BOX 15549
HATTIESBURG, MS 39404
* $ 3,934,554,000 1 $ 55,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 65,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 55,000
Keesler Federal Credit Union
2602 PASS ROAD
BILOXI, MS 39531
* $ 3,038,779,000 1 $ 35,000
Troy Bank and Trust
1000 US-231
TROY, AL 36081
* $ 898,839,000 1 $ 155,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 235,000
River Bank & Trust
2611 LEGENDS DRIVE
PRATTVILLE, AL 36066
* $ 1,364,103,000 1 $ 55,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 125,000
1st Franklin Financial Corporation
135 E. TUGALO ST.
TOCCOA, GA 30577
* $ -1,000 1 $ 25,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 25,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 1 $ 105,000
Alabama One Credit Union
1215 VETERANS MEMORIAL PARKWAY
TUSCALOOSA, AL 35404
* $ 630,401,000 1 $ 65,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 195,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 22,555,038,000 1 $ 125,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 125,000
Alabama Credit Union
220 PAUL W. BRYANT DR. E.
TUSCALOOSA, AL 35486
* $ 939,531,000 1 $ 65,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 1 $ 175,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 125,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 165,000
Citizens Bank & Trust
711 GUNTER AVENUE
GUNTERSVILLE, AL 35976
* $ 559,654,000 1 $ 185,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 48,103,435,000 1 $ 275,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 295,000
Gulf Winds Credit Union
220 E NINE MILE ROAD
PENSACOLA, FL 32534
* $ 719,555,000 1 $ 75,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 85,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 135,000
Eco Credit Union
PO BOX 2385
BIRMINGHAM, AL 35211
* $ 144,668,000 1 $ 25,000
West Alabama Bank & Trust
P O BOX 310
REFORM, AL 35481
* $ 644,050,000 1 $ 385,000

The tables below break down 2021 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 2021

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 521 $65,935,000 $126,000 $455,000 $66,000 $450,000
Refinancing 285 $42,425,000 $148,000 $3,905,000 $85,000 $780,000
Cash-out Refinancing 116 $16,700,000 $143,000 $435,000 $75,000 $208,000
Other Purpose 23 $2,575,000 $111,000 $325,000 $59,000 $110,000
Home Improvement 18 $1,310,000 $72,000 $225,000 $90,000 $183,000
Not Applicable 3 $315,000 $105,000 $215,000 $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 498 $67,330,000 $135,000 $715,000 $79,000 $450,000
Black or African American 305 $34,245,000 $112,000 $345,000 $59,000 $276,000
Not Provided 89 $12,575,000 $141,000 $315,000 $77,000 $780,000
Not applicable 50 $11,860,000 $237,000 $3,905,000 $0 $0
Hispanic 9 $1,055,000 $117,000 $245,000 $92,000 $264,000
American Indian or Alaskan Native 9 $1,295,000 $143,000 $305,000 $40,000 $90,000
Asian 5 $815,000 $163,000 $185,000 $75,000 $162,000
Native Hawaiian or Other Pacific Islander 1 $85,000 $85,000 $85,000 $56,000 $56,000

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) 685 $88,385,000 $129,000 $3,905,000 $77,000 $780,000
FHA-insured (Federal Housing Administration) 165 $23,665,000 $143,000 $305,000 $58,000 $144,000
VA-guaranteed (Veterans Administration) 64 $10,060,000 $157,000 $375,000 $65,000 $163,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $7,150,000 $137,000 $245,000 $52,000 $95,000

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 470 $67,290,000 $143,000 $715,000 $82,000 $450,000
Application Denied By Financial Institution 242 $28,640,000 $118,000 $3,905,000 $57,000 $780,000
Application Withdrawn By Applicant 95 $13,285,000 $139,000 $315,000 $71,000 $276,000
File Closed For Incompleteness 88 $9,670,000 $109,000 $305,000 $62,000 $209,000
Loan Purchased By The Institution 41 $6,175,000 $150,000 $455,000 $165,000 $450,000
Application Approved But Not Accepted 29 $3,975,000 $137,000 $385,000 $68,000 $118,000
Preapproval Approved but not Accepted 1 $225,000 $225,000 $225,000 $63,000 $63,000
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 709 $99,215,000 $139,000 $715,000 $78,000 $450,000
Credit History 132 $12,670,000 $95,000 $345,000 $51,000 $188,000
Debt-To-Income Ratio 67 $10,765,000 $160,000 $3,905,000 $51,000 $219,000
Credit Application Incomplete 21 $2,735,000 $130,000 $235,000 $58,000 $124,000
Other 12 $1,400,000 $116,000 $245,000 $109,000 $271,000
Unverifiable Information 10 $870,000 $87,000 $165,000 $65,000 $183,000
Collateral 10 $1,110,000 $111,000 $255,000 $121,000 $780,000
Employment History 3 $265,000 $88,000 $115,000 $34,000 $78,000
Insufficient Cash (Downpayment, Closing Cost) 2 $230,000 $115,000 $125,000 $62,000 $84,000
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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