Franklin County, AL Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 886 mortgage applications in Franklin County, AL totaling $130.6 million, up 13% from 2024. The average application was for $147,000, and applicants reported an average income of $86,000. 49% of applications resulted in an originated loan and 21% were denied. The most active lender was Cb&S Bank, with 184 applications, followed by 21st Mortgage and Bank Independent.

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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 886
Total Mortgage Loan Application Amount $130,640,000
Average Mortgage Loan Application Amount $147,000
Highest Mortgage Loan Application Amount $1,065,000
Average Applicant Income $86,000
Highest Applicant Income $1,736,000

Mortgage Company List for Lending in Franklin County, AL for 2025

* 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
Cb&S Bank
200 JACKSON AVE. S.
RUSSELLVILLE, AL 35653
* $ n/a 184 $ 19,580,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 66 $ 8,980,000
Bank Independent
710 S MONTGOMERY AVE
SHEFFIELD, AL 35660
* $ n/a 47 $ 6,015,000
Listerhill Credit Union
P O BOX 566
SHEFFIELD, AL 35660
* $ n/a 36 $ 4,670,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 31 $ 4,125,000
First Metro Bank
406 W AVALON AVE
MUSCLE SHOALS, AL 35661
* $ n/a 25 $ 2,115,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 23 $ 4,965,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 23 $ 4,705,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 22 $ 2,850,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 20 $ 2,220,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 19 $ 4,465,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 18 $ 2,500,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 14 $ 2,220,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 13 $ 2,235,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ n/a 12 $ 1,910,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 12 $ 2,000,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 11 $ 2,945,000
Alabama Central Credit Union
3601 4TH AVE S
BIRMINGHAM, AL 35222
* $ n/a 10 $ 1,960,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 10 $ 1,400,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 10 $ 980,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 9 $ 1,515,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 9 $ 1,805,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 9 $ 2,715,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 8 $ 1,420,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 8 $ 1,480,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ n/a 7 $ 1,295,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 7 $ 795,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 6 $ 740,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 6 $ 680,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 5 $ 495,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 335,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 5 $ 1,545,000
First National Bank
341 MILITARY STREET SOUTH
HAMILTON, AL 35570
* $ n/a 5 $ 575,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 5 $ 235,000
Peoplestrust Bank
P.O. BOX 189
HAMILTON, AL 35570
* $ n/a 5 $ 1,545,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 5 $ 615,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 5 $ 625,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 5 $ 1,035,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 5 $ 1,235,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 4 $ 180,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 4 $ 620,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 4 $ 1,200,000
Tva Community Credit Union
TVA RESERVATION
MUSCLE SHOALS, AL 35661
* $ n/a 4 $ 420,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 4 $ 160,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 410,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 440,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 4 $ 470,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 625,000
Evabank
1710 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ n/a 3 $ 355,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 3 $ 295,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 3 $ 415,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 745,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 3 $ 795,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 305,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 3 $ 555,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 735,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 3 $ 515,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 3 $ 575,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 3 $ 555,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ n/a 2 $ 260,000
First State Bank of the South, Inc
P.O. BOX 596, 5856 HWY 278
SULLIGENT, AL 35586
* $ n/a 2 $ 990,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 130,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 480,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 430,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 2 $ 170,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 170,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 2 $ 170,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 2 $ 490,000
Family Security Credit Union
2204 FAMILY SECURITY PLACE SW
DECATUR, AL 35603
* $ n/a 2 $ 120,000
Consumer First Mortgage, Inc.
511 ENERGY CENTER BLVD, SUITE 702
NORTHPORT, AL 35473
* $ n/a 2 $ 210,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 2 $ 90,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 2 $ 40,000
Guaranty Bank & Trust Company
210 N. HAYDEN STREET
BELZONI, MS 39038
* $ n/a 2 $ 230,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 550,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 2 $ 170,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 450,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 155,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 135,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 205,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 165,000
Bankfirst Financial Services
PO BOX 31
MACON, MS 39341
* $ n/a 1 $ 185,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 245,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 125,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 465,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 45,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 75,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 195,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 495,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 555,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 255,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 135,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ n/a 1 $ 115,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ n/a 1 $ 25,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 215,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 335,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 195,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 535,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 195,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 435,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 395,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ n/a 1 $ 95,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ n/a 1 $ 545,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 1 $ 265,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 195,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 55,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ n/a 1 $ 105,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 95,000

The tables below break down 2025 mortgage applications in Franklin 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 Franklin County, AL in 2025

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
Home Purchase 494 $78,850,000 $159,000 $605,000 $78,000 $1,020,000
Refinancing 148 $25,080,000 $169,000 $1,065,000 $116,000 $1,736,000
Cash-out Refinancing 118 $19,050,000 $161,000 $905,000 $90,000 $239,000
Other Purpose 69 $3,915,000 $56,000 $155,000 $71,000 $173,000
Home Improvement 54 $3,090,000 $57,000 $255,000 $99,000 $296,000
Not Applicable 3 $655,000 $218,000 $335,000 $0 $0

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 597 $84,435,000 $141,000 $905,000 $91,000 $1,736,000
Hispanic 117 $13,765,000 $117,000 $495,000 $63,000 $253,000
Not applicable 79 $15,145,000 $191,000 $1,065,000 $106,000 $239,000
Not Provided 60 $10,220,000 $170,000 $465,000 $83,000 $209,000
Black or African American 19 $3,855,000 $202,000 $565,000 $64,000 $155,000
American Indian or Alaskan Native 13 $3,135,000 $241,000 $485,000 $107,000 $171,000
Asian 1 $85,000 $85,000 $85,000 $72,000 $72,000
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) 647 $80,135,000 $123,000 $1,065,000 $90,000 $1,736,000
FHA-insured (Federal Housing Administration) 162 $30,370,000 $187,000 $565,000 $71,000 $264,000
VA-guaranteed (Veterans Administration) 61 $17,855,000 $292,000 $605,000 $96,000 $244,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $2,280,000 $142,000 $255,000 $61,000 $100,000

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 432 $63,250,000 $146,000 $1,065,000 $100,000 $1,736,000
Application Denied By Financial Institution 184 $24,560,000 $133,000 $555,000 $64,000 $244,000
Application Withdrawn By Applicant 94 $14,640,000 $155,000 $605,000 $77,000 $260,000
Loan Purchased By The Institution 85 $15,325,000 $180,000 $545,000 $88,000 $239,000
File Closed For Incompleteness 59 $8,875,000 $150,000 $565,000 $74,000 $154,000
Application Approved But Not Accepted 31 $3,895,000 $125,000 $295,000 $81,000 $171,000
Preapproval Approved but not Accepted 1 $95,000 $95,000 $95,000 $25,000 $25,000
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
Not applicable 608 $97,390,000 $160,000 $905,000 $90,000 $1,736,000
Debt-To-Income Ratio 146 $16,220,000 $111,000 $1,065,000 $89,000 $855,000
Credit History 83 $10,335,000 $124,000 $455,000 $67,000 $234,000
Collateral 21 $2,635,000 $125,000 $265,000 $68,000 $244,000
Credit Application Incomplete 10 $1,550,000 $155,000 $485,000 $68,000 $170,000
Other 8 $1,140,000 $142,000 $555,000 $85,000 $168,000
Insufficient Cash (Downpayment, Closing Cost) 6 $850,000 $141,000 $285,000 $52,000 $74,000
Unverifiable Information 4 $520,000 $130,000 $155,000 $77,000 $100,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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