Escambia County, AL Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,052 mortgage applications in Escambia County, AL totaling $89.6 million, down 10% from 2010. The average application was for $85,000, and applicants reported an average income of $52,000. 38% of applications resulted in an originated loan and 29% were denied. The most active lender was Wells Fargo Bank NA, with 88 applications, followed by 21st Mortgage and United Bank.

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Total Number of Mortgage Applications 1,052
Total Mortgage Loan Application Amount $89,598,000
Average Mortgage Loan Application Amount $85,000
Highest Mortgage Loan Application Amount $350,000
Average Applicant Income $52,000
Highest Applicant Income $960,000

Mortgage Company List for Lending in Escambia 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 88 $ 8,059,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 84 $ 4,033,000
United Bank
PO BOX 8
ATMORE, AL 36502
* $ 466,863,000 76 $ 2,960,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 71 $ 6,790,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 70 $ 4,739,000
Banktrust
107 ST FRANCIS STREET
MOBILE, AL 36602
* $ 2,155,856,000 58 $ 2,405,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 54 $ 2,754,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 50 $ 5,437,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 42 $ 4,130,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 40 $ 4,716,000
Gulf Winds Credit Union
220 E NINE MILE ROAD
PENSACOLA, FL 32534
* $ 371,007,000 35 $ 2,401,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 28 $ 3,206,000
Beach Community Mortgage Services, Inc.
11 NE RACETRACK RD SUITE A
FORT WALTON BEACH, FL 32547
* $ 334,537,000 19 $ 1,946,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 18 $ 1,108,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 16 $ 1,632,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 16 $ 1,659,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 14 $ 2,211,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 14 $ 1,521,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 12 $ 518,000
Citifinancial Corporation,Llc
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 11 $ 647,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 11 $ 1,832,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 10 $ 1,277,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 8 $ 1,016,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 8 $ 1,212,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MT., NC 27804
* $ 27,285,986,000 7 $ 856,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 6 $ 259,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 6 $ 1,017,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 6 $ 268,000
Penair Credit Union
1495 EAST NINE MILE ROAD
PENSACOLA, FL 32514
* $ 1,030,284,000 6 $ 404,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 6 $ 467,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,291,724,000 5 $ 561,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 5 $ 383,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 349,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 5 $ 496,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 617,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 4 $ 409,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 4 $ 454,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 62,638,180,000 4 $ 242,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 565,000
Acceptance Loan Company
121 WEST CHURCH STREET
JACKSON, AL 36545
* $ 70,000,000 4 $ 109,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 4 $ 186,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 4 $ 444,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 3 $ 354,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 466,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 407,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 3 $ 632,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 502,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 3 $ 274,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 933,501,000 3 $ 286,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 2 $ 128,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 2 $ 131,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 251,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 2 $ 224,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 362,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 2 $ 327,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 411,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 275,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 2 $ 443,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 155,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 119,000
Avadian Credit Union
1 RIVERCHASE PKWY S
HOOVER, AL 35244
* $ 522,275,000 2 $ 106,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 469,000
Members First Credit Union of Florida
251 WEST GARDEN STREET
PENSACOLA, FL 32502
* $ 135,807,000 1 $ 43,000
Naheola Credit Union
P O BOX 102
PENNINGTON, AL 36916
* $ 71,650,000 1 $ 60,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 1,959,467,000 1 $ 23,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 39,000
Tri-Emerald Financial Group, Inc.
85 ENTERPRISE, SUITE 100
ALISO VIEJO, CA 92656
* $ 39,000,000 1 $ 258,000
Magnolia Mortgage Co., LLC
1550 SO. UNIVERSITY BLVD.
MOBILE, AL 36609
* $ 10,000,000 1 $ 76,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 1 $ 70,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 72,000
National Bank of Commerce
813 SHADES CREEK PARKWAY SUITE 100
BIRMINGHAM, AL 35209
* $ 375,336,000 1 $ 142,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 124,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 813,851,000 1 $ 30,000
Apci Federal Credit Union
PO BOX 20147
LEHIGH VALLEY, PA 18002
* $ 442,958,000 1 $ 81,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 141,000
Gulf Coast Community Bank
40 N PALAFOX ST
PENSACOLA, FL 32502
* $ 241,425,000 1 $ 129,000
Southpoint Bank
3501 GRANDVIEW PARKWAY
BIRMINGHAM, AL 35243
* $ 291,558,000 1 $ 140,000
Main Street Home Loans LLC
4010 OLD MILTON PARKWAY
ALPHARETTA, GA 30005
* $ 11,000,000 1 $ 219,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 94,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 126,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 74,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 206,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 29,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 20,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 219,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 76,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 82,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 163,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 149,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 54,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ 10,000,000 1 $ 68,000
Consumer First Mortgage, Inc.
511 ENERGY CENTER BLVD, SUITE 702
NORTHPORT, AL 35473
* $ 10,000,000 1 $ 145,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 133,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 160,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 91,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 1 $ 32,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 122,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 137,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 202,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 97,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 86,911,000 1 $ 124,000
Ccb Community Bank
225 E THREE NOTCH STREET
ANDALUSIA, AL 36420
* $ 387,999,000 1 $ 67,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 87,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 1 $ 136,000

The tables below break down 2011 mortgage applications in Escambia 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 Escambia 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 523 $55,755,000 $106,000 $350,000 $57,000 $498,000
Home Purchase 411 $31,851,000 $77,000 $325,000 $44,000 $396,000
Home Improvement 118 $1,992,000 $16,000 $243,000 $56,000 $960,000

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 712 $62,832,000 $88,000 $350,000 $58,000 $960,000
Black or African American 169 $10,535,000 $62,000 $227,000 $36,000 $396,000
Not Provided 89 $9,247,000 $103,000 $315,000 $56,000 $264,000
Not applicable 46 $3,904,000 $84,000 $202,000 $2,000 $65,000
American Indian or Alaskan Native 23 $1,840,000 $80,000 $188,000 $59,000 $151,000
Hispanic 11 $896,000 $81,000 $188,000 $54,000 $121,000
Native Hawaiian or Other Pacific Islander 1 $108,000 $108,000 $108,000 $48,000 $48,000
Asian 1 $236,000 $236,000 $236,000 $26,000 $26,000

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) 716 $52,190,000 $72,000 $350,000 $57,000 $960,000
FHA-insured (Federal Housing Administration) 237 $25,869,000 $109,000 $274,000 $42,000 $179,000
VA-guaranteed (Veterans Administration) 57 $7,254,000 $127,000 $250,000 $45,000 $111,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 42 $4,285,000 $102,000 $192,000 $29,000 $74,000

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 400 $33,300,000 $83,000 $350,000 $56,000 $396,000
Application Denied By Financial Institution 309 $21,186,000 $68,000 $315,000 $47,000 $960,000
Loan Purchased By The Institution 132 $13,712,000 $103,000 $348,000 $34,000 $157,000
Application Withdrawn By Applicant 101 $11,426,000 $113,000 $320,000 $57,000 $396,000
Application Approved But Not Accepted 84 $6,242,000 $74,000 $264,000 $56,000 $498,000
File Closed For Incompleteness 26 $3,732,000 $143,000 $325,000 $84,000 $264,000
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 116 $6,165,000 $53,000 $250,000 $56,000 $960,000
Debt-To-Income Ratio 34 $2,362,000 $69,000 $315,000 $32,000 $154,000
Collateral 19 $2,679,000 $141,000 $250,000 $59,000 $131,000
Credit Application Incomplete 8 $862,000 $107,000 $190,000 $31,000 $145,000
Other 8 $842,000 $105,000 $255,000 $92,000 $257,000
Insufficient Cash (Downpayment, Closing Cost) 4 $180,000 $45,000 $76,000 $49,000 $104,000
Employment History 3 $231,000 $77,000 $93,000 $34,000 $43,000
Unverifiable Information 2 $159,000 $79,000 $107,000 $102,000 $115,000
Mortgage Insurance Denied 1 $88,000 $88,000 $88,000 $68,000 $68,000

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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