Crenshaw County, AL Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 541 mortgage applications in Crenshaw County, AL totaling $50.1 million, up 23% from 2010. The average application was for $92,000, and applicants reported an average income of $51,000. 36% of applications resulted in an originated loan and 28% were denied. The most active lender was First Citizens Bank, with 88 applications, followed by Vanderbilt Mortgage and Finance, Inc and Truist Bank.

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Total Number of Mortgage Applications 541
Total Mortgage Loan Application Amount $50,102,000
Average Mortgage Loan Application Amount $92,000
Highest Mortgage Loan Application Amount $728,000
Average Applicant Income $51,000
Highest Applicant Income $350,000

Mortgage Company List for Lending in Crenshaw 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
First Citizens Bank
100 WEST 3RD STREET, PO BOX 271
LUVERNE, AL 36049
* $ 223,679,000 88 $ 3,329,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 50 $ 2,554,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 46 $ 5,038,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 41 $ 1,863,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 33 $ 3,697,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 23 $ 1,983,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 22 $ 2,874,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 21 $ 2,566,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 17 $ 1,931,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 13 $ 1,420,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 11 $ 747,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,304,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 8 $ 1,516,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 8 $ 991,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 7 $ 939,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 7 $ 311,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 7 $ 947,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,291,724,000 7 $ 867,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 705,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 5 $ 1,035,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 5 $ 119,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 4 $ 356,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 4 $ 660,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 4 $ 591,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 318,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 438,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 374,000
Anchor Mortgage Services, Inc.
4260 CARMICHAEL COURT NORTH
MONTGOMERY, AL 36106
* $ 10,000,000 3 $ 262,000
Whitney Bank
228 ST CHARLES AVE, SUITE 537
NEW ORLEANS, LA 70130
* $ 14,555,957,000 3 $ 27,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 3 $ 291,000
Max Credit Union
400 EASTDALE CIRCLE
MONTGOMERY, AL 36117
* $ 861,761,000 3 $ 140,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 3 $ 196,000
Ccb Community Bank
225 E THREE NOTCH STREET
ANDALUSIA, AL 36420
* $ 387,999,000 3 $ 1,439,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 2 $ 298,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 1,942,629,000 2 $ 435,000
All in Credit Union
238 VIRGINIA AVENUE
DALEVILLE, AL 36322
* $ 939,970,000 2 $ 91,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 62,638,180,000 2 $ 125,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 381,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,425,755,000 2 $ 149,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 2 $ 208,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 261,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 2 $ 185,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 199,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 189,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 181,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 342,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 2 $ 274,000
Magnolia Mortgage Co., LLC
1550 SO. UNIVERSITY BLVD.
MOBILE, AL 36609
* $ 10,000,000 1 $ 140,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 1,581,160,000 1 $ 78,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ 10,000,000 1 $ 149,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 61,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 137,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 145,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 152,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 208,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 140,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 27,908,468,000 1 $ 10,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 74,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 103,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 70,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 240,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 1 $ 205,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 1 $ 132,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 499,416,000 1 $ 130,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 91,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 208,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MT., NC 27804
* $ 27,285,986,000 1 $ 110,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 12,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 1,959,467,000 1 $ 50,000
Guardian Credit Union
616 MADISON AVENUE
MONTGOMERY, AL 36104
* $ 204,519,000 1 $ 145,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 210,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 1 $ 117,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 71,000
American Bank of Huntsville
3301 MEMORIAL PKWY SW
HUNTSVILLE, AL 35801
* $ 172,971,000 1 $ 200,000
Banktrust
107 ST FRANCIS STREET
MOBILE, AL 36602
* $ 2,155,856,000 1 $ 21,000
Gulfsouth Private Bank
4405 COMMONS DRIVE EAST
DESTIN, FL 32541
* $ 196,223,000 1 $ 315,000
River Bank & Trust
2611 LEGENDS DRIVE
PRATTVILLE, AL 36066
* $ 361,454,000 1 $ 238,000

The tables below break down 2011 mortgage applications in Crenshaw 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 Crenshaw 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 279 $35,610,000 $127,000 $728,000 $61,000 $350,000
Home Purchase 200 $13,608,000 $68,000 $266,000 $40,000 $159,000
Home Improvement 62 $884,000 $14,000 $128,000 $42,000 $126,000

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 376 $36,383,000 $96,000 $728,000 $59,000 $350,000
Black or African American 73 $4,283,000 $58,000 $352,000 $34,000 $111,000
Not applicable 44 $4,952,000 $112,000 $266,000 $17,000 $272,000
Not Provided 41 $3,937,000 $96,000 $305,000 $52,000 $272,000
Hispanic 6 $354,000 $59,000 $178,000 $41,000 $109,000
Asian 1 $193,000 $193,000 $193,000 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
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) 387 $32,107,000 $82,000 $728,000 $56,000 $350,000
FHA-insured (Federal Housing Administration) 117 $12,450,000 $106,000 $274,000 $36,000 $155,000
VA-guaranteed (Veterans Administration) 20 $3,791,000 $189,000 $352,000 $54,000 $110,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $1,754,000 $103,000 $238,000 $36,000 $61,000

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 193 $17,105,000 $88,000 $728,000 $57,000 $272,000
Application Denied By Financial Institution 151 $11,446,000 $75,000 $294,000 $49,000 $243,000
Loan Purchased By The Institution 84 $9,908,000 $117,000 $266,000 $33,000 $272,000
Application Approved But Not Accepted 53 $4,173,000 $78,000 $309,000 $55,000 $350,000
Application Withdrawn By Applicant 48 $5,868,000 $122,000 $305,000 $61,000 $217,000
File Closed For Incompleteness 12 $1,602,000 $133,000 $337,000 $49,000 $126,000
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 44 $2,440,000 $55,000 $260,000 $45,000 $120,000
Debt-To-Income Ratio 21 $2,721,000 $129,000 $275,000 $58,000 $243,000
Collateral 10 $991,000 $99,000 $205,000 $66,000 $139,000
Other 3 $313,000 $104,000 $170,000 $61,000 $92,000
Unverifiable Information 3 $274,000 $91,000 $160,000 $58,000 $120,000
Credit Application Incomplete 2 $253,000 $126,000 $200,000 $141,000 $223,000
Employment History 1 $17,000 $17,000 $17,000 $33,000 $33,000
Insufficient Cash (Downpayment, Closing Cost) 1 $44,000 $44,000 $44,000 $15,000 $15,000
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.

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