Coffee County, AL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 4,042 mortgage applications in Coffee County, AL totaling $737.4 million, up 46% from 2019. The average application was for $182,000, and applicants reported an average income of $87,000. 58% of applications resulted in an originated loan and 11% were denied. The most active lender was Mortgage Research Center, with 478 applications, followed by Envoy Mortgage, Ltd and Freedom Mortgage Corporation.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Alabama.
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 | 4,042 |
| Total Mortgage Loan Application Amount | $737,360,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,200,000 |
Top Mortgage Lenders in Coffee County, AL (2020)
Ranked by the number of mortgage applications each lender reported in Coffee County, AL in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO |
478 | $99,090,000 | $207,000 | $87,000 |
| 2 | Envoy Mortgage, Ltd Houston, TX |
284 | $51,870,000 | $182,000 | $67,000 |
| 3 | Freedom Mortgage Corporation Boca Raton, FL |
272 | $55,010,000 | $202,000 | $77,000 |
| 4 | Wells Fargo Bank NA Minneapolis, MN |
210 | $31,980,000 | $152,000 | $86,000 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
194 | $37,320,000 | $192,000 | $132,000 |
| 6 | Navy Federal Credit Union Vienna, VA |
146 | $26,240,000 | $179,000 | $112,000 |
| 7 | Fairway Independent Mort Corp Madison, WI |
145 | $26,385,000 | $181,000 | $76,000 |
| 8 | Renasant Bank Johns Creek, GA |
109 | $23,755,000 | $217,000 | $98,000 |
| 9 | 21st Mortgage Knoxville, TN |
107 | $7,635,000 | $71,000 | $54,000 |
| 10 | New Day Financial, Llc. West Palm Beach, FL |
94 | $18,620,000 | $198,000 | $94,000 |
The tables below break down 2020 mortgage applications in Coffee 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 Coffee County, AL in 2020
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 | 1,767 | $307,865,000 | $174,000 | $1,285,000 | $80,000 | $536,000 |
| Refinancing | 1,671 | $336,025,000 | $201,000 | $575,000 | $92,000 | $1,200,000 |
| Cash-out Refinancing | 403 | $74,255,000 | $184,000 | $1,085,000 | $102,000 | $524,000 |
| Not Applicable | 79 | $10,455,000 | $132,000 | $335,000 | $0 | $0 |
| Other Purpose | 78 | $5,550,000 | $71,000 | $255,000 | $111,000 | $781,000 |
| Home Improvement | 44 | $3,210,000 | $72,000 | $365,000 | $104,000 | $312,000 |
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 | 2,560 | $462,220,000 | $180,000 | $735,000 | $87,000 | $1,046,000 |
| Not Provided | 439 | $86,175,000 | $196,000 | $505,000 | $90,000 | $480,000 |
| Not applicable | 401 | $72,795,000 | $181,000 | $1,285,000 | $87,000 | $342,000 |
| Black or African American | 329 | $58,605,000 | $178,000 | $485,000 | $90,000 | $1,200,000 |
| Hispanic | 186 | $33,610,000 | $180,000 | $465,000 | $79,000 | $249,000 |
| Asian | 68 | $13,400,000 | $197,000 | $425,000 | $85,000 | $634,000 |
| American Indian or Alaskan Native | 36 | $6,260,000 | $173,000 | $465,000 | $113,000 | $781,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,110,000 | $175,000 | $435,000 | $164,000 | $292,000 |
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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 1,971 | $430,665,000 | $218,000 | $585,000 | $86,000 | $1,200,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,510 | $224,920,000 | $148,000 | $1,285,000 | $95,000 | $1,046,000 |
| FHA-insured (Federal Housing Administration) | 350 | $53,510,000 | $152,000 | $345,000 | $70,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 211 | $28,265,000 | $133,000 | $275,000 | $48,000 | $94,000 |
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 | 2,330 | $444,960,000 | $190,000 | $1,285,000 | $87,000 | $1,200,000 |
| Application Withdrawn By Applicant | 491 | $90,645,000 | $184,000 | $525,000 | $100,000 | $1,140,000 |
| Application Denied By Financial Institution | 457 | $66,555,000 | $145,000 | $1,085,000 | $76,000 | $781,000 |
| Loan Purchased By The Institution | 440 | $79,970,000 | $181,000 | $515,000 | $89,000 | $342,000 |
| File Closed For Incompleteness | 195 | $30,655,000 | $157,000 | $485,000 | $76,000 | $480,000 |
| Application Approved But Not Accepted | 129 | $24,575,000 | $190,000 | $515,000 | $94,000 | $456,000 |
| 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 | 3,479 | $658,855,000 | $189,000 | $1,285,000 | $88,000 | $1,200,000 |
| Debt-To-Income Ratio | 191 | $22,295,000 | $116,000 | $525,000 | $92,000 | $613,000 |
| Credit History | 149 | $19,575,000 | $131,000 | $525,000 | $73,000 | $781,000 |
| Credit Application Incomplete | 92 | $17,110,000 | $185,000 | $475,000 | $84,000 | $240,000 |
| Other | 58 | $8,710,000 | $150,000 | $575,000 | $84,000 | $458,000 |
| Collateral | 40 | $5,370,000 | $134,000 | $345,000 | $87,000 | $203,000 |
| Unverifiable Information | 12 | $2,510,000 | $209,000 | $1,085,000 | $93,000 | $233,000 |
| Employment History | 11 | $1,705,000 | $155,000 | $305,000 | $88,000 | $311,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,230,000 | $123,000 | $215,000 | $97,000 | $249,000 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About