Cullman County, AL Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 6,039 mortgage applications in Cullman County, AL totaling $528.3 million, down 13% from 2003. The average application was for $87,000, and applicants reported an average income of $54,000. 42% of applications resulted in an originated loan and 22% were denied. The most active lender was Ameriquest Mortgage Company, with 577 applications, followed by Countrywide Home Loans and Evabank.
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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 | 6,039 |
| Total Mortgage Loan Application Amount | $528,311,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $1,625,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $1,389,000 |
* 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 |
|---|---|---|---|---|
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 577 | $ 55,504,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 555 | $ 56,817,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 157,018,000 | 398 | $ 23,617,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 219 | $ 18,847,000 |
| Peoples Bank of Alabama 1912 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 279,203,000 | 192 | $ 10,403,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 174 | $ 7,480,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 45,629,203,000 | 169 | $ 14,510,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,342,774,000 | 160 | $ 15,730,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 160 | $ 16,224,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 153 | $ 12,539,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 148 | $ 6,198,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 133 | $ 11,575,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 128 | $ 9,884,000 |
| South Trust Bank 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 51,884,768,000 | 117 | $ 6,281,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 106 | $ 8,800,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 101 | $ 10,564,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 101 | $ 4,180,000 |
| Wells Fargo Fin'l Alabama, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 100 | $ 8,650,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 96 | $ 10,587,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 90 | $ 7,261,000 |
| South Trust Mortgage 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 34,000,000 | 86 | $ 12,241,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 86 | $ 9,176,000 |
| Premier Bank of the South 101 1ST AVE NW CULLMAN, AL 35055 |
* | $ 99,466,000 | 85 | $ 5,002,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 70 | $ 7,525,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 62 | $ 7,209,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 60 | $ 2,567,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 45,247,734,000 | 58 | $ 5,859,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 26,898,673,000 | 56 | $ 5,890,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 43 | $ 3,045,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 40 | $ 1,442,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 577,066,000 | 38 | $ 3,348,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 37 | $ 3,757,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 36 | $ 2,934,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 36 | $ 3,361,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 35 | $ 3,673,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 35 | $ 4,366,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 10,304,022,000 | 32 | $ 2,320,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 30 | $ 3,018,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 29 | $ 2,612,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 29 | $ 2,394,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 29 | $ 3,392,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 28 | $ 3,160,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 27 | $ 1,766,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 27 | $ 2,130,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 26 | $ 2,577,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 26 | $ 3,541,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 25 | $ 2,308,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 25 | $ 2,691,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 25 | $ 2,278,000 |
| Alethes, LLC 8601 RR 2222 BLDG 1 STE 150 AUSTIN, TX 78730 |
* | $ 10,000,000 | 25 | $ 2,670,000 |
| First Choice Funding, Inc. 2100 RIVERCHASE CENTER STE 100 BIRMINGHAM, AL 35244 |
* | $ 10,000,000 | 23 | $ 2,550,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 22 | $ 2,151,000 |
| Community Bank P O BOX 1000 BLOUNTSVILLE, AL 35031 |
* | $ 557,788,000 | 22 | $ 1,343,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 22 | $ 1,345,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 22 | $ 2,412,000 |
| Molton, Allen & Williams Mtg 1000 URBAN CENTER DRIVE, STE 500 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 22 | $ 3,168,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 22 | $ 1,975,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 21 | $ 2,725,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 75,140,000 | 21 | $ 1,913,000 |
| Americapital Funding Corp 3601 LORNA RIDGE DRIVE HOOVER, AL 35216 |
* | $ 10,000,000 | 20 | $ 3,285,000 |
| Castle Mortgage Corporation 701 MONTGOMERY HWY SOUTH SUITE 203 VESTAVIA HILLS, AL 35216 |
* | $ 10,000,000 | 19 | $ 2,585,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 19 | $ 2,419,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 18 | $ 429,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 17 | $ 1,621,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 16 | $ 1,749,000 |
| Liberty Mortgage Corporation 2713 FOREST HILLS RD WILSON, NC 27893 |
* | $ 43,553,752,000 | 16 | $ 1,792,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 16 | $ 980,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 14 | $ 1,454,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 14 | $ 712,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 12 | $ 799,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 12 | $ 1,352,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 12 | $ 1,062,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 12 | $ 793,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 11 | $ 1,624,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 10 | $ 295,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 10 | $ 970,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 10 | $ 842,000 |
| Suncap Mortgage, Inc. 2834 S. SHERWOOD FOREST, B-10 BATON ROUGE, LA 70816 |
* | $ 189,000 | 10 | $ 667,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 10 | $ 1,483,000 |
| Franklin Mortgage Funding 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 9 | $ 743,000 |
| First American Bank 301 FAYETTEVILLE STREET, SUITE 1200 RALEIGH, NC 27601 |
* | $ 870,170,000 | 9 | $ 988,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 9 | $ 636,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 8 | $ 1,106,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 8 | $ 1,049,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 8 | $ 1,004,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 8 | $ 755,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 8 | $ 680,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 8 | $ 709,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 7 | $ 580,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 7 | $ 479,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 7 | $ 750,000 |
| Provident Bank 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 16,980,253,000 | 7 | $ 880,000 |
| The Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 1,161,773,000 | 7 | $ 693,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 7 | $ 1,554,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 7 | $ 791,000 |
| Colonial Bank, N.A. PO BOX 1108 - CORPORATE COMPLIANCE MONTGOMERY, AL 36101 |
* | $ 16,249,551,000 | 7 | $ 820,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ 269,818,000 | 6 | $ 403,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 6 | $ 363,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 6 | $ 804,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 61,258,857,000 | 6 | $ 887,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 6 | $ 1,010,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 5 | $ 975,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 683,000 |
| First National Bank of Jasper PO BOX 31 JASPER, AL 35502 |
* | $ 517,247,000 | 5 | $ 125,000 |
| Comunity Lending Incorporated 610 JARVIS DRIVE SUITE 200 MORGAN HILL, CA 95037 |
* | $ 10,000,000 | 5 | $ 485,000 |
| Choice Capital Funding Inc. 223 ROSWELL STREET SUITE 100 ALPHARETTA, GA 30004 |
* | $ 10,000,000 | 5 | $ 386,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 5 | $ 350,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 373,438,000 | 5 | $ 104,000 |
| United Mortgage Lenders Inc 5201 CONGRESS AVE SUITE C234 BOCA RATON, FL 33487 |
* | $ 10,000,000 | 5 | $ 493,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 7,753,398,000 | 5 | $ 1,200,000 |
| Redstone Federal Credit Union 220 WYNN DRIVE HUNTSVILLE, AL 35893 |
* | $ 1,591,163,000 | 5 | $ 630,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 5 | $ 329,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,155,337,000 | 5 | $ 446,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 5 | $ 485,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 4 | $ 549,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 2,201,807,000 | 4 | $ 99,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 443,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 4 | $ 1,055,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 867,000 |
| Alta Financial Corporation 2727 PACES FERRY RD, BLDG 1 - SUITE 1800 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 270,000 |
| First National Bank of Arizona 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 1,241,100,000 | 4 | $ 644,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 4 | $ 124,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 4 | $ 287,000 |
| Listerhill Credit Union P O BOX 566 SHEFFIELD, AL 35660 |
* | $ 270,501,000 | 4 | $ 191,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 3 | $ 33,000 |
| Landmark Credit Union 5705 VALLEY RD. FAIRFIELD, AL 35064 |
* | $ 48,454,000 | 3 | $ 155,000 |
| Hamilton Mortgage 1 INDEPENDENCE PLAZA, SUITE 416 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 3 | $ 575,000 |
| Heritage Bank 600 CENTURY PARK SOUTH STE 200 BIRMINGHAM, AL 35226 |
* | $ 521,330,000 | 3 | $ 465,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 3 | $ 175,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 3 | $ 357,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 291,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,312,912,000 | 3 | $ 296,000 |
| First Mortgage Group, Inc. 118 E. MOULTON STREET, TOP FLOOR DECATUR, AL 35601 |
* | $ 10,000,000 | 3 | $ 207,000 |
| First Federal Bank 1300 MCFARLAND BOULEVARD NE TUSCALOOSA, AL 35406 |
* | $ 104,408,000 | 3 | $ 344,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 20,288,424,000 | 3 | $ 530,000 |
| American Home Bank 3840 HEMPLAND ROAD MOUNTVILLE, PA 17554 |
* | $ 128,534,000 | 3 | $ 685,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 611,144,000 | 3 | $ 502,000 |
| Acoustic Home Loans, LLC 770 THE CITY DRIVE SOUTH, SUITE 1500 ORANGE, CA 92868 |
* | $ 336,792,793,000 | 3 | $ 406,000 |
| Alabama Telco Credit Union 1849 DATA DRIVE BIRMINGHAM, AL 35244 |
* | $ 311,298,000 | 3 | $ 301,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 3 | $ 218,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 3 | $ 289,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 2,501,212,000 | 3 | $ 444,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 3 | $ 313,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 3 | $ 389,000 |
| Nbank, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 267,252,000 | 3 | $ 301,000 |
| National Bank of Commerce 1927 1ST AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 1,308,452,000 | 3 | $ 533,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 3 | $ 154,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 62,020,896,000 | 2 | $ 117,000 |
| Priceline Mortgage Company LLC 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 75,254,000 | 2 | $ 405,000 |
| Principal Bank 711 HIGH STREET DES MOINES, IA 50392 |
* | $ 2,011,540,000 | 2 | $ 51,000 |
| Pinnacle Bank 1811 2ND AVENUE JASPER, AL 35501 |
* | $ 208,478,000 | 2 | $ 231,000 |
| One Source Mortgage, L.L.C. 1720 S EDMONDS LANE, STE 8 LEWISVILLE, TX 75067 |
* | $ 10,000,000 | 2 | $ 194,000 |
| Southfirst Bank 126 NORTH NORTON AVE SYLACAUGA, AL 35150 |
* | $ 13,318,000 | 2 | $ 144,000 |
| Transland Financial Services 2701 MAITLAND CENTER PARKWAY, STE 300 MAITLAND, FL 32751 |
* | $ 10,000,000 | 2 | $ 119,000 |
| Steward Financial, Inc. 1808 ASTON AVENUE, SUITE 230 CARLSBAD, CA 92008 |
* | $ 10,000,000 | 2 | $ 188,000 |
| Washingtion Mutual Finance Cor 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 2 | $ 30,000 |
| Citizens Bank PO BOX 1900 ELIZABETHTON, TN 37644 |
* | $ 549,555,000 | 2 | $ 340,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 2 | $ 30,000 |
| Cardinal Financial Company 444 JACKSONVILLE ROAD WARMINSTER, PA 18974 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Emblem Credit Union 702 WALNUT ST GADSDEN, AL 35901 |
* | $ 89,599,000 | 2 | $ 353,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 2 | $ 75,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 1,095,593,000 | 2 | $ 125,000 |
| Dollar Mortgage Corporation 7578 EL CAJON BOULEVARD LA MESA, CA 91941 |
* | $ 10,000,000 | 2 | $ 137,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 1,596,863,000 | 2 | $ 405,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 2 | $ 176,000 |
| Firstcity Mortgage, Inc. 445 ATLANTA SOUTH PARKWAY #105 ATLANTA, GA 30349 |
* | $ 10,000,000 | 2 | $ 218,000 |
| Merit Financial, Inc 13905 NE 128TH ST KIRKLAND, WA 98034 |
* | $ 10,000,000 | 2 | $ 212,000 |
| Metro Bank 800 MARTIN ST S PELL CITY, AL 35128 |
* | $ 354,552,000 | 1 | $ 76,000 |
| Midcountry Mortgage Corp. 1001 LABORE INDUSTRIAL COURT SUITE E VADNAIS HEIGHTS, MN 55110 |
* | $ 464,081,000 | 1 | $ 189,000 |
| Market Street Mortgage Corp 2650 MCCORMICK DR, SUITE 200 CLEARWATER, FL 33759 |
* | $ 335,650,000 | 1 | $ 52,000 |
| Loancity 5671 SANTA TERESA BOULEVARD SAN JOSE, CA 95123 |
* | $ 10,000,000 | 1 | $ 98,000 |
| International Mortgage Corp 8258 VETERANS HIGHWAY, STE 10 MILLERSVILLE, MD 21108 |
* | $ 10,000,000 | 1 | $ 94,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 1 | $ 80,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 80,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Impac Funding Corp 19500 JAMBOREE ROAD IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ 60,060,000 | 1 | $ 20,000 |
| Homebanc Mortgage Corporation 2002 SUMMIT BOULEVARD SUITE 100 ATLANTA, GA 30319 |
* | $ 10,000,000 | 1 | $ 189,000 |
| First Independence Nat'l Bank 44 MICHIGAN AVENUE DETROIT, MI 48226 |
* | $ 150,320,000 | 1 | $ 94,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 17,275,395,000 | 1 | $ 106,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 60,000 |
| First Commercial Bank PO BOX 11746 BIRMINGHAM, AL 35202 |
* | $ 1,519,169,000 | 1 | $ 113,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,051,000 | 1 | $ 24,000 |
| Auburnbank 100 N. GAY STREET AUBURN, AL 36830 |
* | $ 587,536,000 | 1 | $ 12,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 153,000 |
| American Mortgage Express Corp 136 GAITHER DRIVE MOUNT LAUREL, NJ 08054 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Ameribanq Mortgage Group 3840 HEMPLAND ROAD MOUNTVILLE, PA 17554 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Acipco Federal Credit Union 1501 31ST AVE N BIRMINGHAM, AL 35202 |
* | $ 89,237,000 | 1 | $ 181,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 128,000 |
| All Fund Mortgage 8808 PACIFIC AVE. TACOMA, WA 98444 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Agricultural Mortgage Company 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Best Rate Funding Corp 2 MAC ARTHUR PLACE, STE. 800 SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 12,581,787,000 | 1 | $ 173,000 |
| Capitalsouth Bank 2340 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 265,875,000 | 1 | $ 300,000 |
| Capitol Federal Savings 700 S. KANSAS AVE TOPEKA, KS 66601 |
* | $ 8,411,182,000 | 1 | $ 376,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Charles Schwab Bank 101 MONTGOMERY STREET 11-262 SAN FRANCISCO, CA 94104 |
* | $ 2,729,598,000 | 1 | $ 223,000 |
| Cherry Creek Mortgage Co., Inc 7600 EAST ORCHARD RD., STE 250-N GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Clarke Company Mortgage 304 PRINCETON PKWY SW BIRMINGHAM, AL 35211 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Coats & Co., Inc. 2000B SOUTHBRIDGE PARKWAY #200 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Community Resource Mortgage 508 HAMPTON STREET COLUMBIA, SC 29201 |
* | $ 466,663,000 | 1 | $ 120,000 |
| Diversified Capital Cor of Tn 3350 PLAYERS CLUB PKWY #110 MEMPHIS, TN 38125 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 130,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 353,541,000,000 | 1 | $ 90,000 |
| Your Best Rate Financial L.L.C 5909 PEACHTREE DUNWOODY RD SUITE 700 ATLANTA, GA 30328 |
* | $ 10,000,000 | 1 | $ 287,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 1 | $ 90,000 |
| Sprint Funding Corporation 6 EXECUTIVE CIRCLE SUITE 200 IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Southbank 118 JEFFERSON STREET HUNTSVILLE, AL 35801 |
* | $ 419,683,000 | 1 | $ 150,000 |
| Reliance Bank P O BOX 30 ATHENS, AL 35612 |
* | $ 68,468,000 | 1 | $ 250,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Sirva Mortgage, Inc. 6070 PARKLAND BLVD. MAYFIELD HEIGHTS, OH 44124 |
* | $ 10,000,000 | 1 | $ 88,000 |
| The Southern Bank Company 221 SOUTH 6TH STREET GADSDEN, AL 35901 |
* | $ 109,155,000 | 1 | $ 20,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 10,000,000 | 1 | $ 35,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 30,245,697,000 | 1 | $ 75,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 110,000 |
| Traders & Farmers Bank PO BOX 550 HALEYVILLE, AL 35565 |
* | $ 319,532,000 | 1 | $ 55,000 |
| Opteum Financial Services LLC WEST 115 CENTURY ROAD - 3RD FLOOR PARAMUS, NJ 07652 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Pinnacle Financial Corporation 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Peoples Bank & Trust Co 310 BROAD STREET SELMA, AL 36701 |
* | $ 776,620,000 | 1 | $ 14,000 |
| R-G Crown Bank 105 LIVE OAKS GARDENS CASSELBERRY, FL 32707 |
* | $ 1,293,340,000 | 1 | $ 56,000 |
| Ratestar, Inc. 4665 CORNELL ROAD, SUITE 200 CINCINNATI, OH 45241 |
* | $ 54,815,000 | 1 | $ 170,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DRIVE VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 1 | $ 50,000 |
| North Alabama Bank 13914 HWY 231-431 NORTH HAZEL GREEN, AL 35750 |
* | $ 81,998,000 | 1 | $ 30,000 |
| Old Stone Mortgage, L.L.C. 3601 MEMORIAL PARKWAY SW, SUITE C HUNTSVILLE, AL 35801 |
* | $ 10,000,000 | 1 | $ 78,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 115,000 |
The tables below break down 2004 mortgage applications in Cullman 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 Cullman County, AL in 2004
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 | 3,731 | $353,064,000 | $94,000 | $822,000 | $55,000 | $1,236,000 |
| Home Purchase | 1,853 | $157,541,000 | $85,000 | $1,625,000 | $55,000 | $1,389,000 |
| Home Improvement | 455 | $17,706,000 | $38,000 | $500,000 | $52,000 | $396,000 |
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 | 4,507 | $393,305,000 | $87,000 | $822,000 | $58,000 | $1,389,000 |
| Not Provided | 810 | $73,289,000 | $90,000 | $640,000 | $55,000 | $1,236,000 |
| Not applicable | 521 | $44,039,000 | $84,000 | $1,625,000 | $22,000 | $381,000 |
| Black or African American | 85 | $6,780,000 | $79,000 | $231,000 | $49,000 | $532,000 |
| Hispanic | 71 | $6,740,000 | $94,000 | $800,000 | $64,000 | $329,000 |
| American Indian or Alaskan Native | 24 | $1,965,000 | $81,000 | $180,000 | $38,000 | $198,000 |
| Asian | 18 | $1,958,000 | $108,000 | $284,000 | $88,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $235,000 | $78,000 | $94,000 | $46,000 | $69,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,607 | $490,159,000 | $87,000 | $1,625,000 | $57,000 | $1,389,000 |
| FHA-insured (Federal Housing Administration) | 357 | $30,308,000 | $84,000 | $235,000 | $33,000 | $1,116,000 |
| VA-guaranteed (Veterans Administration) | 73 | $7,693,000 | $105,000 | $275,000 | $34,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $151,000 | $75,000 | $82,000 | $0 | $0 |
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 | 2,528 | $220,890,000 | $87,000 | $1,625,000 | $64,000 | $1,389,000 |
| Application Denied By Financial Institution | 1,344 | $104,227,000 | $77,000 | $695,000 | $49,000 | $1,068,000 |
| Loan Purchased By The Institution | 850 | $79,766,000 | $93,000 | $544,000 | $38,000 | $402,000 |
| Application Withdrawn By Applicant | 451 | $46,066,000 | $102,000 | $695,000 | $56,000 | $1,116,000 |
| Application Approved But Not Accepted | 445 | $34,806,000 | $78,000 | $508,000 | $52,000 | $300,000 |
| File Closed For Incompleteness | 421 | $42,556,000 | $101,000 | $558,000 | $57,000 | $1,236,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 354 | $29,603,000 | $83,000 | $278,000 | $50,000 | $1,068,000 |
| Credit History | 277 | $17,272,000 | $62,000 | $280,000 | $43,000 | $360,000 |
| Collateral | 99 | $9,442,000 | $95,000 | $640,000 | $66,000 | $264,000 |
| Credit Application Incomplete | 94 | $8,946,000 | $95,000 | $680,000 | $59,000 | $218,000 |
| Debt-To-Income Ratio | 69 | $5,910,000 | $85,000 | $256,000 | $33,000 | $130,000 |
| Employment History | 9 | $547,000 | $60,000 | $97,000 | $32,000 | $52,000 |
| Unverifiable Information | 9 | $1,007,000 | $111,000 | $200,000 | $42,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $486,000 | $81,000 | $135,000 | $48,000 | $71,000 |
| 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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