Clay County, AL Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 446 mortgage applications in Clay County, AL totaling $65.8 million, about the same as 2021. The average application was for $147,000, and applicants reported an average income of $73,000. 37% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 46 applications, followed by Vanderbilt Mortgage and Finance, Inc and Triad Financial Services, 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 446
Total Mortgage Loan Application Amount $65,750,000
Average Mortgage Loan Application Amount $147,000
Highest Mortgage Loan Application Amount $645,000
Average Applicant Income $73,000
Highest Applicant Income $642,000

Mortgage Company List for Lending in Clay County, AL for 2022

* 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 46 $ 5,730,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 42 $ 5,140,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 32 $ 4,030,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 17 $ 1,935,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 15 $ 1,825,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 12 $ 2,130,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 12 $ 1,490,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 12 $ 2,370,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 10 $ 2,100,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 41,822,249,000 9 $ 1,335,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,235,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 7 $ 1,625,000
Aod Federal Credit Union
334 VICTORY DRIVE
BYNUM, AL 36253
* $ 424,906,000 6 $ 460,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 6 $ 690,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 805,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 1,165,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 5 $ 645,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 885,000
Heritage South Credit Union
60 GENE STEWART BOULEVARD
SYLACAUGA, AL 35151
* $ 172,617,000 5 $ 505,000
America's First Federal CU
1200 4TH AVENUE NORTH
BIRMINGHAM, AL 35203
* $ 2,209,069,000 5 $ 405,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 5 $ 1,225,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 860,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 4 $ 430,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 4 $ 580,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 4 $ 1,040,000
First Bank of Alabama
120 NORTH ST E
TALLADEGA, AL 35160
* $ 877,527,000 4 $ 210,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 4 $ 190,000
Hunt Mortgage Corporation
5400 BROADWAY STREET
BUFFALO, NY 14203
* $ -1,000 4 $ 820,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 3 $ 375,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 405,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 335,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 3 $ 435,000
Guardian Credit Union
616 MADISON AVENUE
MONTGOMERY, AL 36104
* $ 763,618,000 3 $ 1,085,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 3 $ 525,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 325,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 455,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 455,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 3 $ 495,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 3,681,543,000 3 $ 645,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 3 $ 455,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 405,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 335,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 2 $ 400,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 2 $ 480,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 9,023,056,000 2 $ 210,000
Fort McClellan Credit Union
1731 NOBLE STREET
ANNISTON, AL 36201
* $ 237,814,000 2 $ 130,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 2 $ 380,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 2 $ 130,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 2 $ 280,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 340,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 2 $ 90,000
River Bank & Trust
2611 LEGENDS DRIVE
PRATTVILLE, AL 36066
* $ 2,395,648,000 2 $ 80,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 510,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 360,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 936,708,000 2 $ 170,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ 756,446,000 2 $ 250,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 290,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 2 $ 410,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 290,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 310,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 310,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 155,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 3,419,403,000 1 $ 235,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 165,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 1 $ 335,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 75,000
Alatrust Credit Union
1810 MERCHANTS DRIVE
HOOVER, AL 35244
* $ 183,852,000 1 $ 55,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 38,275,134,000 1 $ 145,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 225,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 1 $ 175,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 135,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 125,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 85,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 125,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 175,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ 7,408,288,000 1 $ 325,000
Mutual Savings Credit Union
2040 VALLEYDALE ROAD
BIRMINGHAM, AL 35244
* $ 217,479,000 1 $ 45,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 17,593,319,000 1 $ 145,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 105,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 155,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 85,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 185,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 105,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ -1,000 1 $ 285,000
First South Farm Credit, Aca
260 TRACE COLONY PARK DR
RIDGELAND, MS 39157
* $ -1,000 1 $ 455,000
Radiant Credit Union
405 SE 2ND PLACE
GAINESVILLE, FL 32606
* $ 703,311,000 1 $ 115,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 1 $ 265,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 285,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 255,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 105,000
Family Savings Credit Union
711 E MEIGHAN BLVD
RAINBOW CITY, AL 35906
* $ 666,463,000 1 $ 85,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 645,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 145,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 205,000
Investar Bank
P.O. BOX 84207
BATON ROUGE, LA 70808
* $ 2,510,088,000 1 $ 305,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 1 $ 105,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 43,424,817,000 1 $ 135,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 205,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 195,000
1st Franklin Financial Corporation
135 E. TUGALO ST.
TOCCOA, GA 30577
* $ -1,000 1 $ 15,000
Acipco Federal Credit Union
1501 31ST AVE N
BIRMINGHAM, AL 35202
* $ 176,632,000 1 $ 435,000
Emblem Credit Union
702 WALNUT ST
GADSDEN, AL 35901
* $ 477,477,000 1 $ 125,000

The tables below break down 2022 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 2022

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 282 $43,650,000 $154,000 $645,000 $69,000 $360,000
Cash-out Refinancing 88 $13,220,000 $150,000 $455,000 $73,000 $294,000
Refinancing 43 $6,475,000 $150,000 $455,000 $81,000 $362,000
Other Purpose 21 $1,365,000 $65,000 $185,000 $71,000 $213,000
Home Improvement 9 $785,000 $87,000 $255,000 $161,000 $642,000
Not Applicable 3 $255,000 $85,000 $115,000 $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 315 $46,385,000 $147,000 $645,000 $76,000 $642,000
Black or African American 48 $6,390,000 $133,000 $365,000 $61,000 $360,000
Not Provided 47 $7,375,000 $156,000 $365,000 $69,000 $204,000
Not applicable 27 $4,315,000 $159,000 $385,000 $0 $0
Hispanic 6 $920,000 $153,000 $225,000 $59,000 $92,000
American Indian or Alaskan Native 2 $320,000 $160,000 $215,000 $77,000 $94,000
Asian 1 $45,000 $45,000 $45,000 $61,000 $61,000
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) 332 $44,280,000 $133,000 $575,000 $74,000 $642,000
VA-guaranteed (Veterans Administration) 55 $11,255,000 $204,000 $645,000 $75,000 $327,000
FHA-insured (Federal Housing Administration) 44 $7,800,000 $177,000 $365,000 $70,000 $226,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 15 $2,415,000 $161,000 $235,000 $51,000 $87,000

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 166 $25,280,000 $152,000 $575,000 $81,000 $392,000
Application Denied By Financial Institution 125 $17,455,000 $139,000 $645,000 $65,000 $642,000
Application Withdrawn By Applicant 54 $8,900,000 $164,000 $365,000 $72,000 $327,000
File Closed For Incompleteness 51 $6,865,000 $134,000 $425,000 $67,000 $360,000
Loan Purchased By The Institution 29 $4,765,000 $164,000 $385,000 $79,000 $80,000
Application Approved But Not Accepted 21 $2,485,000 $118,000 $225,000 $73,000 $276,000
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 313 $47,535,000 $151,000 $575,000 $77,000 $392,000
Credit History 57 $7,085,000 $124,000 $265,000 $69,000 $642,000
Debt-To-Income Ratio 46 $6,610,000 $143,000 $305,000 $54,000 $226,000
Collateral 10 $1,680,000 $168,000 $455,000 $59,000 $112,000
Credit Application Incomplete 7 $695,000 $99,000 $235,000 $100,000 $294,000
Unverifiable Information 6 $1,310,000 $218,000 $645,000 $82,000 $204,000
Other 5 $585,000 $117,000 $165,000 $56,000 $86,000
Insufficient Cash (Downpayment, Closing Cost) 2 $250,000 $125,000 $145,000 $106,000 $115,000
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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