Clay County, AL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 493 mortgage applications in Clay County, AL totaling $53.5 million, down 25% from 2008. The average application was for $108,000, and applicants reported an average income of $55,000. 30% of applications resulted in an originated loan and 34% were denied. The most active lender was Wells Fargo Bank, NA, with 45 applications, followed by Embrace Home Loans, Inc. and The Mortgage Outlet, 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 | 493 |
| Total Mortgage Loan Application Amount | $53,531,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $492,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 45 | $ 6,428,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 43 | $ 4,114,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 27 | $ 2,744,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 25 | $ 3,159,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 22 | $ 883,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 22 | $ 3,559,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 20 | $ 2,035,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 16 | $ 2,511,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 30,436,225,000 | 15 | $ 941,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 14 | $ 1,978,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,621,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 12 | $ 1,104,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 11 | $ 632,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 11 | $ 833,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 10 | $ 774,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 9 | $ 1,059,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 890,957,000 | 7 | $ 612,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 6 | $ 761,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 5 | $ 610,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 5 | $ 755,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 5 | $ 149,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 5 | $ 277,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 5 | $ 690,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 5 | $ 623,000 |
| Aod Federal Credit Union 334 VICTORY DRIVE BYNUM, AL 36253 |
* | $ 163,797,000 | 4 | $ 296,000 |
| Coosa Pines Federal Credit Union 33710 US HIGHWAY 280 CHILDERSBURG, AL 35044 |
* | $ 154,019,000 | 4 | $ 228,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 4 | $ 694,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 309,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 548,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 811,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 3 | $ 351,000 |
| Hamilton Mortgage 1 INDEPENDENCE PLAZA, SUITE 416 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 3 | $ 299,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 3 | $ 761,000 |
| Peoples Independent Bank 121 BILLY DYAR BLVD PO BOX 669 BOAZ, AL 35957 |
* | $ 165,569,000 | 3 | $ 429,000 |
| Metro Bank 800 MARTIN ST S PELL CITY, AL 35128 |
* | $ 518,172,000 | 3 | $ 191,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,657,261,000 | 3 | $ 474,000 |
| Superior Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 3,034,347,000 | 3 | $ 171,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 3 | $ 429,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 3 | $ 274,000 |
| Southfirst Bank 126 NORTH NORTON AVE SYLACAUGA, AL 35150 |
* | $ 133,728,000 | 3 | $ 311,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 3 | $ 668,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 3 | $ 336,000 |
| Alatrust Credit Union 1810 MERCHANTS DRIVE HOOVER, AL 35244 |
* | $ 98,429,000 | 2 | $ 260,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 380,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 418,020,000 | 2 | $ 36,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 508,166,000 | 2 | $ 255,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 2 | $ 45,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 37,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 375,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 2 | $ 53,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 2 | $ 207,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 115,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 2 | $ 35,000 |
| Frontier Bank 401 VERNON STREET LAGRANGE, GA 30240 |
* | $ 309,235,000 | 2 | $ 8,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 251,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 2 | $ 208,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 2 | $ 223,000 |
| Southern Highlands Mortgage, L 215 BLUE RIDGE ST. SUITE A BLAIRSVILLE, GA 30512 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Town Square Mortgage & Investments LLC 17300 DALLAS PKWY, STE 1030 DALLAS, TX 75248 |
* | $ 1,000,000,000 | 1 | $ 109,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 70,000 |
| First Arkansas Bank and Trust 600 WEST MAIN STREET JACKSONVILLE, AR 72076 |
* | $ 513,905,000 | 1 | $ 55,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 116,000 |
| Southern States Bank DALLAS, GA 30157 |
* | $ 116,426,000 | 1 | $ 12,000 |
| Bank of North Ga 8025 WESTSIDE PKWY ALPHARETTA, GA 30004 |
* | $ 6,270,436,000 | 1 | $ 97,000 |
| Cheaha Bank 1320 HIGHWAY DRIVE OXFORD, AL 36203 |
* | $ 164,972,000 | 1 | $ 19,000 |
| First Commerce Community Bank 9001 HOSPITAL DRIVE DOUGLASVILLE, GA 30134 |
* | $ 295,668,000 | 1 | $ 175,000 |
| Pilot Bank 12471 W. LINEBAUGH AVE TAMPA, FL 33626 |
* | $ 252,466,000 | 1 | $ 68,000 |
| Peoples Southern Bank P O BOX 269 CLANTON, AL 35045 |
* | $ 135,701,000 | 1 | $ 2,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 99,000 |
| Noblebank & Trust, N.A. 1509 QUINTARD AVENUE ANNISTON, AL 36201 |
* | $ 127,700,000 | 1 | $ 55,000 |
| Worthington Federal Bank 3301 MEMORIAL PARKWAY SW HUNTSVILLE, AL 35801 |
* | $ 119,667,000 | 1 | $ 125,000 |
| Priority Bank 3401 E MISSION BLVD FAYETTEVILLE, AR 72703 |
* | $ 52,556,000 | 1 | $ 87,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 67,000 |
| H&R Block Bank ONE H&R BLOCK WAY KANSAS CITY, MO 64105 |
* | $ 1,900,148,000 | 1 | $ 64,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 2,884,364,000 | 1 | $ 65,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 145,000 |
| Mutual Savings Credit Union 2040 VALLEYDALE ROAD BIRMINGHAM, AL 35244 |
* | $ 191,195,000 | 1 | $ 41,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 148,000 |
| First Mortgage Group, Inc. 118 E. MOULTON STREET, TOP FLOOR DECATUR, AL 35601 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 1 | $ 76,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 137,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 171,000 |
The tables below break down 2009 mortgage applications in Clay 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 Clay County, AL in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 355 | $44,037,000 | $124,000 | $417,000 | $57,000 | $492,000 |
| Home Purchase | 93 | $7,679,000 | $82,000 | $200,000 | $44,000 | $143,000 |
| Home Improvement | 45 | $1,815,000 | $40,000 | $156,000 | $56,000 | $237,000 |
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 | 357 | $40,328,000 | $112,000 | $332,000 | $58,000 | $492,000 |
| Not Provided | 49 | $4,749,000 | $96,000 | $282,000 | $50,000 | $143,000 |
| Black or African American | 45 | $3,654,000 | $81,000 | $257,000 | $47,000 | $237,000 |
| Not applicable | 34 | $3,427,000 | $100,000 | $286,000 | $26,000 | $143,000 |
| Hispanic | 6 | $1,195,000 | $199,000 | $417,000 | $139,000 | $485,000 |
| American Indian or Alaskan Native | 2 | $178,000 | $89,000 | $89,000 | $69,000 | $69,000 |
| 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) | 329 | $33,925,000 | $103,000 | $417,000 | $60,000 | $492,000 |
| FHA-insured (Federal Housing Administration) | 134 | $15,678,000 | $117,000 | $276,000 | $46,000 | $145,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,518,000 | $157,000 | $286,000 | $24,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,410,000 | $100,000 | $194,000 | $38,000 | $71,000 |
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 | 170 | $17,221,000 | $101,000 | $332,000 | $49,000 | $237,000 |
| Loan Originated | 146 | $16,427,000 | $112,000 | $319,000 | $58,000 | $252,000 |
| Loan Purchased By The Institution | 75 | $9,080,000 | $121,000 | $286,000 | $50,000 | $293,000 |
| Application Withdrawn By Applicant | 56 | $6,644,000 | $118,000 | $417,000 | $67,000 | $492,000 |
| File Closed For Incompleteness | 26 | $2,867,000 | $110,000 | $250,000 | $52,000 | $96,000 |
| Application Approved But Not Accepted | 20 | $1,292,000 | $64,000 | $248,000 | $68,000 | $185,000 |
| 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 | 33 | $2,125,000 | $64,000 | $303,000 | $44,000 | $143,000 |
| Collateral | 31 | $4,217,000 | $136,000 | $326,000 | $66,000 | $206,000 |
| Debt-To-Income Ratio | 18 | $1,812,000 | $100,000 | $257,000 | $46,000 | $140,000 |
| Credit Application Incomplete | 5 | $708,000 | $141,000 | $332,000 | $56,000 | $83,000 |
| Other | 5 | $235,000 | $47,000 | $94,000 | $95,000 | $237,000 |
| Unverifiable Information | 4 | $493,000 | $123,000 | $269,000 | $62,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $439,000 | $109,000 | $240,000 | $71,000 | $110,000 |
| Mortgage Insurance Denied | 1 | $96,000 | $96,000 | $96,000 | $48,000 | $48,000 |
| Employment History | 1 | $66,000 | $66,000 | $66,000 | $26,000 | $26,000 |
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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