Cleburne County, AL Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 508 mortgage applications in Cleburne County, AL totaling $57.9 million, down 5% from 2010. The average application was for $113,000, and applicants reported an average income of $60,000. 43% of applications resulted in an originated loan and 27% were denied. The most active lender was Truist Bank, with 79 applications, followed by Metro Bank and Wells Fargo Bank NA.
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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 | 508 |
| Total Mortgage Loan Application Amount | $57,891,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $690,000 |
* 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 |
|---|---|---|---|---|
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 79 | $ 7,785,000 |
| Metro Bank 800 MARTIN ST S PELL CITY, AL 35128 |
* | $ 597,358,000 | 47 | $ 2,114,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 40 | $ 5,966,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,291,724,000 | 22 | $ 3,522,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 19 | $ 2,722,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,022,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 17 | $ 2,389,000 |
| Community & Southern Bank 3333 RIVERWOOD PARKWAY SUITE #350 ATLANTA, GA 30339 |
* | $ 2,359,340,000 | 16 | $ 1,258,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,895,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 14 | $ 651,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 12 | $ 1,129,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 27,908,468,000 | 12 | $ 652,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 12 | $ 1,238,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 12 | $ 2,088,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 7 | $ 1,112,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 7 | $ 363,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 7 | $ 985,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 6 | $ 376,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 1,240,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 1,006,000 |
| Cheaha Bank 1320 HIGHWAY DRIVE OXFORD, AL 36203 |
* | $ 168,300,000 | 6 | $ 902,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 1,026,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 709,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 5 | $ 704,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 5 | $ 754,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 786,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 4 | $ 743,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 4 | $ 767,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 4 | $ 435,000 |
| Douglas County Bank 6157 FAIRBURN RD DOUGLASVILLE, GA 30134 |
* | $ 335,603,000 | 4 | $ 270,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 376,850,000 | 4 | $ 118,000 |
| American Bank of Huntsville 3301 MEMORIAL PKWY SW HUNTSVILLE, AL 35801 |
* | $ 172,971,000 | 3 | $ 350,000 |
| Aod Federal Credit Union 334 VICTORY DRIVE BYNUM, AL 36253 |
* | $ 220,407,000 | 3 | $ 239,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 711,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 376,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 3 | $ 67,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 62,638,180,000 | 3 | $ 341,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 142,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 197,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 480,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 319,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 236,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 434,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 538,410,000 | 2 | $ 122,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 2 | $ 281,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 2 | $ 263,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 2 | $ 310,000 |
| Acu P.O. BOX 923028 PEACHTREE CORNERS, GA 30092 |
* | $ 1,134,233,000 | 2 | $ 242,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 495,223,000 | 2 | $ 344,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 2 | $ 201,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 269,000 |
| American Commerce Bank, National Association 400 US HWY 27 BYPASS BREMEN, GA 30110 |
* | $ 64,897,000 | 1 | $ 55,000 |
| Priority Bank 3401 E MISSION BLVD FAYETTEVILLE, AR 72703 |
* | $ 81,053,000 | 1 | $ 124,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 40,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 1 | $ 56,000 |
| Alatrust Credit Union 1810 MERCHANTS DRIVE HOOVER, AL 35244 |
* | $ 110,995,000 | 1 | $ 25,000 |
| Fort McClellan Credit Union 1731 NOBLE STREET ANNISTON, AL 36201 |
* | $ 147,508,000 | 1 | $ 40,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 3,880,849,000 | 1 | $ 325,000 |
| Avadian Credit Union 1 RIVERCHASE PKWY S HOOVER, AL 35244 |
* | $ 522,275,000 | 1 | $ 20,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 283,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 1,935,266,000 | 1 | $ 219,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 1,102,513,000 | 1 | $ 70,000 |
| Family Savings Credit Union 711 EAST MEIGHAN BLVD GADSDEN, AL 35903 |
* | $ 263,661,000 | 1 | $ 68,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 205,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ 10,000,000 | 1 | $ 218,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 162,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 63,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 270,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 176,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 95,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 56,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 141,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 181,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 1 | $ 278,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 93,000 |
The tables below break down 2011 mortgage applications in Cleburne 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 Cleburne County, AL in 2011
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 | 323 | $45,487,000 | $140,000 | $525,000 | $63,000 | $522,000 |
| Home Purchase | 140 | $10,879,000 | $77,000 | $275,000 | $52,000 | $690,000 |
| Home Improvement | 45 | $1,525,000 | $33,000 | $135,000 | $63,000 | $409,000 |
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 | 414 | $46,675,000 | $112,000 | $525,000 | $63,000 | $690,000 |
| Not Provided | 50 | $5,447,000 | $108,000 | $312,000 | $48,000 | $255,000 |
| Not applicable | 29 | $4,390,000 | $151,000 | $283,000 | $19,000 | $160,000 |
| Black or African American | 9 | $844,000 | $93,000 | $252,000 | $65,000 | $160,000 |
| Hispanic | 4 | $329,000 | $82,000 | $121,000 | $54,000 | $110,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $409,000 | $409,000 |
| Asian | 1 | $151,000 | $151,000 | $151,000 | $91,000 | $91,000 |
| 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) | 406 | $43,826,000 | $107,000 | $464,000 | $60,000 | $690,000 |
| FHA-insured (Federal Housing Administration) | 81 | $9,773,000 | $120,000 | $258,000 | $56,000 | $463,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,668,000 | $244,000 | $525,000 | $75,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $624,000 | $104,000 | $150,000 | $44,000 | $58,000 |
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 | 218 | $23,684,000 | $108,000 | $516,000 | $67,000 | $690,000 |
| Application Denied By Financial Institution | 139 | $14,503,000 | $104,000 | $525,000 | $54,000 | $180,000 |
| Loan Purchased By The Institution | 81 | $12,055,000 | $148,000 | $300,000 | $53,000 | $191,000 |
| Application Withdrawn By Applicant | 31 | $3,947,000 | $127,000 | $417,000 | $71,000 | $463,000 |
| Application Approved But Not Accepted | 29 | $2,575,000 | $88,000 | $269,000 | $47,000 | $110,000 |
| File Closed For Incompleteness | 10 | $1,127,000 | $112,000 | $330,000 | $44,000 | $99,000 |
| 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 | 45 | $3,981,000 | $88,000 | $525,000 | $52,000 | $159,000 |
| Collateral | 31 | $4,379,000 | $141,000 | $312,000 | $73,000 | $180,000 |
| Debt-To-Income Ratio | 21 | $2,870,000 | $136,000 | $464,000 | $39,000 | $100,000 |
| Other | 7 | $540,000 | $77,000 | $205,000 | $43,000 | $75,000 |
| Credit Application Incomplete | 3 | $276,000 | $92,000 | $163,000 | $115,000 | $145,000 |
| Employment History | 3 | $413,000 | $137,000 | $275,000 | $55,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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