Covington County, AL Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,256 mortgage applications in Covington County, AL totaling $135.9 million, up 8% from 2010. The average application was for $108,000, and applicants reported an average income of $58,000. 44% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank NA, with 154 applications, followed by Truist Bank and Ccb Community Bank.

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Total Number of Mortgage Applications 1,256
Total Mortgage Loan Application Amount $135,868,000
Average Mortgage Loan Application Amount $108,000
Highest Mortgage Loan Application Amount $1,168,000
Average Applicant Income $58,000
Highest Applicant Income $697,000

Mortgage Company List for Lending in Covington County, AL for 2011

* 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

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 154 $ 14,453,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 144 $ 15,529,000
Ccb Community Bank
225 E THREE NOTCH STREET
ANDALUSIA, AL 36420
* $ 387,999,000 113 $ 11,737,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 88 $ 7,719,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 58 $ 7,304,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 50 $ 4,941,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 49 $ 2,892,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ 10,000,000 45 $ 7,810,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 40 $ 1,854,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 28 $ 3,420,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 28 $ 3,185,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 21 $ 2,542,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 19 $ 3,389,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 18 $ 3,452,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 18 $ 2,388,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 17 $ 1,875,000
Acceptance Loan Company
121 WEST CHURCH STREET
JACKSON, AL 36545
* $ 70,000,000 17 $ 282,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 16 $ 2,714,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 15 $ 2,035,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 14 $ 787,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 12 $ 1,541,000
Superior Bank
17 N 20TH STREET
BIRMINGHAM, AL 35203
* $ 3,010,027,000 12 $ 1,672,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 10 $ 967,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 10 $ 1,199,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 9 $ 1,006,000
All in Credit Union
238 VIRGINIA AVENUE
DALEVILLE, AL 36322
* $ 939,970,000 8 $ 410,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 7 $ 939,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ 1,935,266,000 7 $ 825,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 7 $ 743,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 839,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 6 $ 400,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 6 $ 1,111,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 6 $ 306,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 6 $ 675,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 62,638,180,000 5 $ 438,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 5 $ 330,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 27,908,468,000 5 $ 329,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 5 $ 345,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 5 $ 705,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 683,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 601,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 475,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 568,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 4 $ 329,000
Banktrust
107 ST FRANCIS STREET
MOBILE, AL 36602
* $ 2,155,856,000 4 $ 242,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 4 $ 431,000
Tuscaloosa Credit Union
1100 21ST AVENUE
TUSCALOOSA, AL 35401
* $ 48,978,000 3 $ 383,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 3 $ 137,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 3 $ 585,000
Citifinancial Corporation,Llc
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 3 $ 159,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 3 $ 215,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 3 $ 335,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 1,581,160,000 3 $ 128,000
Qr Lending Inc
555 ZOR SHRINE PLACE
MADISON, WI 53719
* $ 1,093,327,000 3 $ 479,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 3 $ 332,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 307,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 161,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 394,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 2 $ 213,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 135,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 134,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 273,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 186,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 2 $ 1,006,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 49,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 2 $ 241,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 2 $ 26,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 2 $ 435,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 2 $ 337,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 2 $ 210,000
Okaloosa County Teachers FCU
1126 N FERDON BLVD
CRESTVIEW, FL 32536
* $ 62,128,000 2 $ 189,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 2 $ 482,000
The Samson Banking Company, Inc.
2 WEST MAIN ST
SAMSON, AL 36477
* $ 55,634,000 2 $ 199,000
Sunsouth Bank
108 JAMESTOWN BLVD.
DOTHAN, AL 36301
* $ 207,456,000 2 $ 197,000
First Citizens Bank
100 WEST 3RD STREET, PO BOX 271
LUVERNE, AL 36049
* $ 223,679,000 1 $ 2,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,409,826,000 1 $ 77,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 208,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 66,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 91,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 111,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 136,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 78,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,068,872,000 1 $ 115,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 141,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 155,000
Whitney Bank
228 ST CHARLES AVE, SUITE 537
NEW ORLEANS, LA 70130
* $ 14,555,957,000 1 $ 2,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 38,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 104,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 167,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 75,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 237,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 75,000
First Nb of Jacksboro
P.O. DRAWER E
JACKSBORO, TX 76458
* $ 475,843,000 1 $ 122,000
First National Bank of Hartford
P.O. BOX 129
HARTFORD, AL 36344
* $ 135,340,000 1 $ 55,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 242,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 298,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 122,000
Equipoint Financial Network
3636 NOBEL SUITE 400
SAN DIEGO, CA 92122
* $ 4,355,000 1 $ 50,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 114,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 136,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 125,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 67,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 68,000
P.G.A. Mortgage Co., LLC
1609 W MAIN ST STE 203
DOTHAN, AL 36301
* $ 7,026,000 1 $ 108,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 93,000
Gms Funding, LLC
824 MEETING STREET
WEST COLUMBIA, SC 29169
* $ 417,745,000 1 $ 275,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 103,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 42,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 100,000

The tables below break down 2011 mortgage applications in Covington 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 Covington 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 732 $94,042,000 $128,000 $1,168,000 $62,000 $697,000
Home Purchase 415 $38,671,000 $93,000 $320,000 $51,000 $456,000
Home Improvement 109 $3,155,000 $28,000 $200,000 $55,000 $261,000

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 995 $106,254,000 $106,000 $1,168,000 $62,000 $697,000
Not Provided 102 $12,322,000 $120,000 $417,000 $58,000 $419,000
Not applicable 81 $11,764,000 $145,000 $398,000 $17,000 $203,000
Black or African American 65 $4,503,000 $69,000 $290,000 $42,000 $253,000
Hispanic 6 $543,000 $90,000 $185,000 $48,000 $105,000
Asian 4 $301,000 $75,000 $120,000 $37,000 $46,000
American Indian or Alaskan Native 3 $181,000 $60,000 $131,000 $51,000 $64,000
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) 830 $82,822,000 $99,000 $1,168,000 $65,000 $697,000
FHA-insured (Federal Housing Administration) 294 $35,378,000 $120,000 $274,000 $45,000 $200,000
VA-guaranteed (Veterans Administration) 98 $14,497,000 $147,000 $398,000 $43,000 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $3,171,000 $93,000 $207,000 $37,000 $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
Loan Originated 550 $61,334,000 $111,000 $1,168,000 $71,000 $697,000
Application Denied By Financial Institution 301 $26,186,000 $86,000 $856,000 $46,000 $443,000
Loan Purchased By The Institution 165 $22,201,000 $134,000 $398,000 $37,000 $203,000
Application Withdrawn By Applicant 130 $15,996,000 $123,000 $310,000 $59,000 $419,000
Application Approved But Not Accepted 79 $6,328,000 $80,000 $271,000 $51,000 $197,000
File Closed For Incompleteness 31 $3,823,000 $123,000 $304,000 $67,000 $200,000
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 92 $5,620,000 $61,000 $275,000 $44,000 $218,000
Collateral 47 $6,815,000 $145,000 $856,000 $65,000 $443,000
Debt-To-Income Ratio 40 $4,266,000 $106,000 $346,000 $39,000 $185,000
Other 14 $1,160,000 $82,000 $320,000 $43,000 $126,000
Credit Application Incomplete 6 $669,000 $111,000 $229,000 $58,000 $97,000
Unverifiable Information 3 $232,000 $77,000 $106,000 $68,000 $85,000
Employment History 3 $314,000 $104,000 $124,000 $45,000 $52,000
Insufficient Cash (Downpayment, Closing Cost) 2 $217,000 $108,000 $165,000 $12,000 $24,000
Mortgage Insurance Denied 1 $116,000 $116,000 $116,000 $59,000 $59,000

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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