Franklin County, AL Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 1,715 mortgage applications in Franklin County, AL totaling $120.3 million. The average application was for $70,000, and applicants reported an average income of $49,000. 48% of applications resulted in an originated loan and 22% were denied. The most active lender was Cb&S Bank, with 304 applications, followed by Colonial Bank, N.A. and Ameriquest Mortgage Company.
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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 | 1,715 |
| Total Mortgage Loan Application Amount | $120,288,000 |
| Average Mortgage Loan Application Amount | $70,000 |
| Highest Mortgage Loan Application Amount | $560,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $1,500,000 |
* 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 |
|---|---|---|---|---|
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 434,278,000 | 304 | $ 16,749,000 |
| Colonial Bank, N.A. PO BOX 1108 - CORPORATE COMPLIANCE MONTGOMERY, AL 36101 |
* | $ 15,804,784,000 | 85 | $ 4,166,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 78 | $ 7,821,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 59 | $ 5,039,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 54 | $ 4,489,000 |
| Molton, Allen & Williams Mtg 1000 URBAN CENTER DRIVE, STE 500 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 45 | $ 4,807,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 43 | $ 2,814,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 42 | $ 2,627,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 40 | $ 915,000 |
| Valley State Bank 15565 HWY 43 RUSSELLVILLE, AL 35653 |
* | $ 104,611,000 | 38 | $ 1,939,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 37 | $ 1,439,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 33,756,573,000 | 36 | $ 2,891,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 35 | $ 2,611,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 35 | $ 3,400,000 |
| Franklin Financial Mortgage 206 E. MAIN STREET FRANKLIN, TN 37064 |
* | $ 24,000,000 | 34 | $ 3,150,000 |
| Listerhill Credit Union P O BOX 566 SHEFFIELD, AL 35660 |
* | $ 248,125,000 | 30 | $ 1,810,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 30 | $ 1,134,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 30 | $ 2,844,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 30 | $ 2,341,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 26 | $ 1,872,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 40,569,048,000 | 26 | $ 1,983,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 24 | $ 2,102,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 20 | $ 623,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 20 | $ 1,425,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 23,894,865,000 | 20 | $ 1,426,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ 412,226,000 | 19 | $ 1,323,000 |
| South Trust Bank 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 17 | $ 611,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 16 | $ 1,482,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,316,308,000 | 16 | $ 990,000 |
| First Choice Funding, Inc. 2100 RIVERCHASE CENTER STE 100 BIRMINGHAM, AL 35244 |
* | $ 10,000,000 | 15 | $ 1,035,000 |
| South Trust Mortgage 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 13 | $ 958,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 13 | $ 1,270,000 |
| Wells Fargo Fin'l Alabama, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,219,195,000 | 13 | $ 667,000 |
| Valley Credit Union P O BOX 388 TUSCUMBIA, AL 35674 |
* | $ 32,868,000 | 12 | $ 676,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 12 | $ 981,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 11 | $ 630,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 11 | $ 794,000 |
| Pinnacle Bank 1811 2ND AVENUE JASPER, AL 35501 |
* | $ 218,290,000 | 11 | $ 821,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 11 | $ 1,029,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 11 | $ 921,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 441,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 10 | $ 1,378,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 10 | $ 805,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 10 | $ 598,000 |
| Champion Enterprise 10801 MASTIN DRIVE OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 9 | $ 232,000 |
| Crossroads Mortgage, Inc. 850 RIDGELAKE BLVD SUITE 250 MEMPHIS, TN 38120 |
* | $ 10,000,000 | 8 | $ 791,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 8 | $ 458,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 622,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 7 | $ 769,000 |
| Emmco, LLC 113 REED AVENUE LEXINGTON, SC 29072 |
* | $ 10,000,000 | 6 | $ 475,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 6 | $ 622,000 |
| Americapital Funding Corp 3601 LORNA RIDGE DRIVE HOOVER, AL 35216 |
* | $ 10,000,000 | 6 | $ 387,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 6 | $ 580,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 6 | $ 454,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 5 | $ 255,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 277,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 5 | $ 568,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 5 | $ 499,000 |
| Community Bank P O BOX 1000 BLOUNTSVILLE, AL 35031 |
* | $ 565,400,000 | 5 | $ 155,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 17,342,936,000 | 5 | $ 550,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 503,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 5 | $ 675,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 5 | $ 303,000 |
| First Indiana Bank 135 NORTH PENNSYLVANIA INDIANAPOLIS, IN 46204 |
* | $ 2,112,754,000 | 4 | $ 307,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 4 | $ 314,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 4 | $ 320,000 |
| Castle Mortgage Corporation 701 MONTGOMERY HWY SOUTH SUITE 203 VESTAVIA HILLS, AL 35216 |
* | $ 10,000,000 | 4 | $ 392,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 4 | $ 410,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 302,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 4 | $ 275,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 4 | $ 442,000 |
| Southbank 118 JEFFERSON STREET HUNTSVILLE, AL 35801 |
* | $ 419,683,000 | 4 | $ 443,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 44,835,341,000 | 4 | $ 582,000 |
| Primetrust Bank 7639 HWY 70 S NASHVILLE, TN 37221 |
* | $ 109,426,000 | 3 | $ 363,000 |
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 18,988,174,000 | 3 | $ 87,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 243,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 3 | $ 150,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 235,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 368,000 |
| Ivanhoefinancial 604 COURTLAND STREET, STE 320 ORLANDO, FL 32804 |
* | $ 10,000,000 | 3 | $ 205,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 3 | $ 360,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Matrix Financial Services Corp 2133 WEST PEORIA AVE PHOENIX, AZ 85029 |
* | $ 1,138,000,000 | 2 | $ 120,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 2 | $ 131,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 10,190,173,000 | 2 | $ 81,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 65,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 12,811,549,000 | 2 | $ 178,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Associates Housing Finance 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 1,097,190,000,000 | 2 | $ 83,000 |
| The Citizens Bank 14505 MARKET STREET MOULTON, AL 35650 |
* | $ 105,790,000 | 2 | $ 37,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 6,983,369,000 | 2 | $ 178,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 1,344,437,000 | 2 | $ 150,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 2 | $ 167,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 115,148,694,000 | 2 | $ 117,000 |
| Msdw Credit Corporation 2500 LAKE COOK RD RIVERWOODS, IL 60015 |
* | $ 10,000,000 | 2 | $ 357,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 114,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 2 | $ 129,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Nbank, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 335,210,000 | 1 | $ 65,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 37,000 |
| Mutual Savings Credit Union 2040 VALLEYDALE ROAD BIRMINGHAM, AL 35244 |
* | $ 105,670,000 | 1 | $ 13,000 |
| National Bank of Commerce ONE COMMERCE SQUARE, 4TH FLOOR MEMPHIS, TN 38150 |
* | $ 21,299,966,000 | 1 | $ 54,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 1 | $ 50,000 |
| Principal Bank 711 HIGH STREET DES MOINES, IA 50392 |
* | $ 1,542,397,000 | 1 | $ 40,000 |
| Provident Bank 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 17,521,326,000 | 1 | $ 54,000 |
| Priceline Mortgage Company LLC 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 75,254,000 | 1 | $ 152,000 |
| Pb Reit UNIVERSITY OFFICE PLAZA, OXFORD BUILDING NEWARK, DE 19702 |
* | $ 4,900,000,000 | 1 | $ 129,000 |
| Transland Financial Services 2701 MAITLAND CENTER PARKWAY, STE 300 MAITLAND, FL 32751 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 33,000 |
| Watermark Financial Partners 4582 S ULSTER ST, SUITE 300 DENVER, CO 80237 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 1 | $ 50,000 |
| Attorneys' Mortgage Services 6545 CORPORATE CENTRE BLVD 2ND FLOOR ORLANDO, FL 32822 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Alliance Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 1 | $ 56,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 32,000 |
| Alabama Central 3601 4TH AVE S BIRMINGHAM, AL 35222 |
* | $ 137,927,000 | 1 | $ 34,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Citizens Bank PO BOX 1900 ELIZABETHTON, TN 37644 |
* | $ 536,274,000 | 1 | $ 36,000 |
| Choice Capital Funding Inc. 223 ROSWELL STREET SUITE 100 ALPHARETTA, GA 30004 |
* | $ 10,000,000 | 1 | $ 54,000 |
| CMG Mortgage, Inc. 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, CA 94583 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Hamilton Mortgage 1 INDEPENDENCE PLAZA, SUITE 416 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 1 | $ 276,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 23,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 1 | $ 15,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 1 | $ 147,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 42,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 23,392,515,000 | 1 | $ 80,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 1 | $ 174,000 |
| First Federal Bank 1300 MCFARLAND BOULEVARD NE TUSCALOOSA, AL 35406 |
* | $ 116,623,000 | 1 | $ 58,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 1 | $ 92,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 134,556,000 | 1 | $ 23,000 |
The tables below break down 2003 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 2003
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 (home purchase or home improvement, one-to-four family) | 1,148 | $88,492,000 | $77,000 | $560,000 | $51,000 | $1,500,000 |
| Home Purchase (one-to-four family) | 500 | $29,594,000 | $59,000 | $248,000 | $46,000 | $732,000 |
| Home Improvement (one-to-four family) | 64 | $2,047,000 | $31,000 | $181,000 | $50,000 | $286,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $155,000 | $51,000 | $83,000 | $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 | 1,295 | $91,802,000 | $70,000 | $560,000 | $53,000 | $1,500,000 |
| Information not provided by applicant in mail or telephone application | 210 | $16,655,000 | $79,000 | $400,000 | $50,000 | $400,000 |
| Hispanic | 87 | $3,600,000 | $41,000 | $132,000 | $30,000 | $121,000 |
| Not applicable | 61 | $4,581,000 | $75,000 | $247,000 | $7,000 | $90,000 |
| Black | 47 | $2,384,000 | $50,000 | $135,000 | $34,000 | $116,000 |
| Other | 10 | $1,000,000 | $100,000 | $155,000 | $52,000 | $92,000 |
| American Indian or Alaskan Native | 5 | $266,000 | $53,000 | $70,000 | $55,000 | $100,000 |
| Asian or 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) | 1,683 | $118,028,000 | $70,000 | $560,000 | $50,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 20 | $1,525,000 | $76,000 | $143,000 | $28,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 8 | $475,000 | $59,000 | $94,000 | $19,000 | $46,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $260,000 | $65,000 | $75,000 | $15,000 | $33,000 |
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 | 830 | $57,330,000 | $69,000 | $280,000 | $58,000 | $1,121,000 |
| Application Denied By Financial Institution | 383 | $24,668,000 | $64,000 | $560,000 | $40,000 | $406,000 |
| Loan Purchased By The Institution | 174 | $14,507,000 | $83,000 | $275,000 | $38,000 | $255,000 |
| Application Withdrawn By Applicant | 158 | $12,071,000 | $76,000 | $400,000 | $61,000 | $1,500,000 |
| Application Approved But Not Accepted | 129 | $8,169,000 | $63,000 | $162,000 | $39,000 | $155,000 |
| File Closed For Incompleteness | 41 | $3,543,000 | $86,000 | $525,000 | $45,000 | $160,000 |
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 | 118 | $5,398,000 | $45,000 | $350,000 | $34,000 | $96,000 |
| Other | 38 | $2,462,000 | $64,000 | $294,000 | $34,000 | $118,000 |
| Credit Application Incomplete | 36 | $4,642,000 | $128,000 | $560,000 | $49,000 | $262,000 |
| Collateral | 30 | $2,301,000 | $76,000 | $400,000 | $44,000 | $107,000 |
| Debt-To-Income Ratio | 23 | $1,379,000 | $59,000 | $139,000 | $33,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $352,000 | $70,000 | $123,000 | $44,000 | $132,000 |
| Employment History | 4 | $283,000 | $70,000 | $104,000 | $38,000 | $90,000 |
| Unverifiable Information | 1 | $54,000 | $54,000 | $54,000 | $24,000 | $24,000 |
| 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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