Conecuh County, AL Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 267 mortgage applications in Conecuh County, AL totaling $21.8 million, down 16% from 2009. The average application was for $81,000, and applicants reported an average income of $54,000. 32% of applications resulted in an originated loan and 42% were denied. The most active lender was Regions Bank, with 37 applications, followed by 21st Mortgage and Bank of America, N.A..

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Total Number of Mortgage Applications 267
Total Mortgage Loan Application Amount $21,790,000
Average Mortgage Loan Application Amount $81,000
Highest Mortgage Loan Application Amount $1,557,000
Average Applicant Income $54,000
Highest Applicant Income $1,012,000

Mortgage Company List for Lending in Conecuh County, AL for 2010

* 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
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 138,006,763,000 37 $ 1,625,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 21 $ 681,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,465,221,449,000 19 $ 2,191,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 159,675,538,000 16 $ 1,029,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,778,000,000 16 $ 2,566,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 16 $ 1,362,000
Citifinancial Corporation
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 14 $ 498,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 276,376,130,000 12 $ 744,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,157,711,000 10 $ 689,000
Banktrust
107 ST FRANCIS STREET
MOBILE, AL 36602
* $ 1,942,845,000 10 $ 303,000
United Bank
PO BOX 8
ATMORE, AL 36502
* $ 456,450,000 7 $ 342,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 684,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 6 $ 664,000
First Federal
2440 MALL DR SUITE 100
NORTH CHARLESTON, SC 29406
* $ 3,421,986,000 6 $ 388,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 3 $ 185,000
Superior Bank
17 NORTH 20TH STREET
BIRMINGHAM, AL 35203
* $ 3,220,737,000 3 $ 527,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 3 $ 319,000
Acceptance Loan Company
121 WEST CHURCH STREET
JACKSON, AL 36545
* $ 70,000,000 3 $ 48,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 3 $ 460,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 2 $ 282,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 260,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 256,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 315,000
Evabank
1710 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 414,964,000 2 $ 108,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,627,684,000,000 2 $ 298,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MOUNT, NC 27804
* $ 27,472,172,000 2 $ 175,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,726,828,000 2 $ 24,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,483,100,000 2 $ 483,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 2 $ 286,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 3,634,677,000 2 $ 84,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 40,150,052,000 1 $ 180,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 39,610,194,000 1 $ 285,000
Citizens Bank & Trust
711 GUNTER AVENUE
GUNTERSVILLE, AL 35976
* $ 283,199,000 1 $ 89,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 55,302,902,000 1 $ 91,000
Whitney National Bank
400 LABARRE ROAD, 3RD FLOOR
JEFFERSON, LA 70121
* $ 11,877,069,000 1 $ 5,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,867,638,000 1 $ 72,000
Gulf Winds Credit Union
220 E NINE MILE ROAD
PENSACOLA, FL 32534
* $ 389,590,000 1 $ 15,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 36,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 37,922,355,000 1 $ 225,000
American Bank
9001 EDMONSTON ROAD, SUITE 100
GREENBELT, MD 20770
* $ 507,491,000 1 $ 157,000
Ccb Community Bank
225 E THREE NOTCH STREET
ANDALUSIA, AL 36420
* $ 369,033,000 1 $ 39,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 1 $ 141,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 12,817,999,000 1 $ 40,000
Woodforest Bank, FSB
25231 GROGANS MILL ROAD
THE WOODLANDS, TX 77380
* $ 85,854,000 1 $ 5,000
Iberiabank Mortgage Company
12719 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ 499,416,000 1 $ 137,000
Financial Freedom Acquisition
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 32,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,122,657,000 1 $ 159,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 1 $ 84,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 148,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 1 $ 179,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 141,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 125,000
Gms Funding, LLC
824 MEETING STREET
WEST COLUMBIA, SC 29169
* $ 417,745,000 1 $ 58,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 91,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 148,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 113,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 55,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ 1,000,000,000 1 $ 147,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 179,000

The tables below break down 2010 mortgage applications in Conecuh 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 Conecuh County, AL in 2010

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 141 $15,908,000 $112,000 $1,557,000 $61,000 $1,012,000
Home Purchase 82 $5,041,000 $61,000 $247,000 $47,000 $216,000
Home Improvement 44 $841,000 $19,000 $110,000 $42,000 $143,000

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 159 $14,219,000 $89,000 $1,557,000 $66,000 $1,012,000
Black or African American 79 $4,642,000 $58,000 $200,000 $35,000 $260,000
Not Provided 23 $2,466,000 $107,000 $285,000 $45,000 $112,000
Not applicable 5 $385,000 $77,000 $170,000 $0 $0
Hispanic 1 $78,000 $78,000 $78,000 $33,000 $33,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 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) 194 $13,855,000 $71,000 $1,557,000 $58,000 $1,012,000
FHA-insured (Federal Housing Administration) 65 $6,999,000 $107,000 $247,000 $43,000 $137,000
VA-guaranteed (Veterans Administration) 7 $897,000 $128,000 $307,000 $52,000 $106,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $39,000 $39,000 $39,000 $16,000 $16,000

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 111 $6,824,000 $61,000 $296,000 $41,000 $350,000
Loan Originated 85 $8,179,000 $96,000 $1,557,000 $74,000 $1,012,000
Application Withdrawn By Applicant 28 $3,085,000 $110,000 $285,000 $48,000 $114,000
Loan Purchased By The Institution 21 $2,031,000 $96,000 $170,000 $44,000 $169,000
Application Approved But Not Accepted 16 $960,000 $60,000 $176,000 $57,000 $115,000
File Closed For Incompleteness 6 $711,000 $118,000 $179,000 $58,000 $112,000
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 28 $1,324,000 $47,000 $186,000 $44,000 $216,000
Debt-To-Income Ratio 14 $720,000 $51,000 $103,000 $28,000 $62,000
Collateral 9 $1,049,000 $116,000 $296,000 $56,000 $119,000
Other 6 $628,000 $104,000 $195,000 $62,000 $108,000
Credit Application Incomplete 1 $180,000 $180,000 $180,000 $85,000 $85,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
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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