Franklin County, AL Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 856 mortgage applications in Franklin County, AL totaling $73.0 million, up 11% from 2014. The average application was for $85,000, and applicants reported an average income of $51,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Cb&S Bank, with 151 applications, followed by Valley State Bank and First Metro Bank.

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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 856
Total Mortgage Loan Application Amount $72,984,000
Average Mortgage Loan Application Amount $85,000
Highest Mortgage Loan Application Amount $1,241,000
Average Applicant Income $51,000
Highest Applicant Income $524,000

Mortgage Company List for Lending in Franklin County, AL for 2015

* 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
* $ 1,476,204,000 151 $ 7,891,000
Valley State Bank
15565 HWY 43
RUSSELLVILLE, AL 35653
* $ 124,316,000 72 $ 6,900,000
First Metro Bank
406 W AVALON AVE
MUSCLE SHOALS, AL 35661
* $ 525,155,000 45 $ 2,034,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 44 $ 3,532,000
Listerhill Credit Union
P O BOX 566
SHEFFIELD, AL 35660
* $ 657,910,000 36 $ 2,799,000
Bank Independent
710 S MONTGOMERY AVE
SHEFFIELD, AL 35660
* $ 1,175,539,000 35 $ 2,926,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 30 $ 3,031,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ 114,985,000 23 $ 2,319,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 23 $ 3,143,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 22 $ 1,385,000
Evabank
1710 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 330,728,000 19 $ 773,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 118,801,412,000 19 $ 1,356,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 17 $ 1,610,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 15 $ 1,587,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 14 $ 1,953,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 12 $ 1,052,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 11 $ 649,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 12,248,532,000 10 $ 708,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 10 $ 889,000
Traders & Farmers Bank
PO BOX 550
HALEYVILLE, AL 35565
* $ 361,880,000 10 $ 603,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 9 $ 1,203,000
Alabama Central
3601 4TH AVE S
BIRMINGHAM, AL 35222
* $ 129,424,000 9 $ 635,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,068,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 8 $ 1,177,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 515,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 79,624,593,000 7 $ 497,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 7 $ 588,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 6 $ 491,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 6 $ 569,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 5,785,742,000 6 $ 496,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 6 $ 441,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 542,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 4 $ 345,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 4 $ 406,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 4 $ 40,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 7,827,707,000 4 $ 204,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 708,292,000 4 $ 231,000
Valley Credit Union
P O BOX 388
TUSCUMBIA, AL 35674
* $ 65,206,000 3 $ 119,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 305,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 3 $ 401,000
First National Bank
341 MILITARY STREET SOUTH
HAMILTON, AL 35570
* $ 282,596,000 3 $ 72,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 378,840,000 3 $ 402,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 3 $ 400,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 3 $ 295,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ 10,000,000 3 $ 291,000
Progress Bank and Trust
201 WILLIAMS AVENUE
HUNTSVILLE, AL 35801
* $ 580,039,000 3 $ 412,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 445,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 336,000
First State Bank of the South, Inc.
P.O. BOX 596, 5856 HWY 278
SULLIGENT, AL 35586
* $ 96,401,000 2 $ 210,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 270,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 247,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ 1,000,000,000 2 $ 219,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 269,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 154,000
Consumer First Mortgage, Inc.
511 ENERGY CENTER BLVD, SUITE 702
NORTHPORT, AL 35473
* $ 10,000,000 2 $ 298,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 2 $ 248,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 295,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 216,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 220,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 161,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 1 $ 191,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 200,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 196,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 156,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 1 $ 300,000
American Commerce Bank, National Association
400 US HWY 27 BYPASS
BREMEN, GA 30110
* $ 102,591,000 1 $ 1,241,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 121,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 1 $ 143,000
Champion Community Credit Unio
16601 COUNTY ROAD 150
COURTLAND, AL 35618
* $ 55,607,000 1 $ 188,000
Peoplestrust Bank
P.O. BOX 189
HAMILTON, AL 35570
* $ 83,869,000 1 $ 17,000
Coastalstates Bank
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 389,720,000 1 $ 85,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 1 $ 56,000
Tva Community Credit Union
TVA RESERVATION
MUSCLE SHOALS, AL 35661
* $ 298,787,000 1 $ 20,000
Private Bank of Buckhead
3565 PIEDMONT ROAD, BLDG 3, STE 210
ATLANTA, GA 30305
* $ 245,738,000 1 $ 35,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 1 $ 154,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 140,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 1 $ 5,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 1 $ 137,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 1 $ 57,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 1 $ 51,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 169,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 94,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 1 $ 92,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ 216,152,000 1 $ 68,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 164,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,314,758,000 1 $ 77,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 1 $ 170,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 143,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 90,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 1 $ 133,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 85,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 2,496,951,000 1 $ 87,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 140,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 271,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ 10,000,000 1 $ 125,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 54,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 1 $ 63,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 76,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 98,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 95,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 213,000

The tables below break down 2015 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 2015

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 399 $42,065,000 $105,000 $1,241,000 $51,000 $524,000
Home Purchase 369 $28,821,000 $78,000 $324,000 $51,000 $398,000
Home Improvement 88 $2,098,000 $23,000 $200,000 $48,000 $145,000

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 656 $58,225,000 $88,000 $640,000 $55,000 $524,000
Hispanic 88 $3,762,000 $42,000 $176,000 $41,000 $131,000
Not applicable 44 $5,600,000 $127,000 $1,241,000 $3,000 $95,000
Not Provided 36 $3,092,000 $85,000 $338,000 $54,000 $147,000
Black or African American 29 $1,932,000 $66,000 $152,000 $37,000 $100,000
Asian 2 $194,000 $97,000 $144,000 $13,000 $26,000
American Indian or Alaskan Native 1 $179,000 $179,000 $179,000 $80,000 $80,000
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) 621 $48,454,000 $78,000 $1,241,000 $55,000 $524,000
FHA-insured (Federal Housing Administration) 133 $13,584,000 $102,000 $275,000 $39,000 $195,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $4,675,000 $91,000 $204,000 $33,000 $105,000
VA-guaranteed (Veterans Administration) 51 $6,271,000 $122,000 $274,000 $39,000 $171,000

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 466 $37,696,000 $80,000 $1,241,000 $58,000 $524,000
Application Denied By Financial Institution 169 $12,632,000 $74,000 $338,000 $44,000 $145,000
Application Withdrawn By Applicant 87 $9,178,000 $105,000 $270,000 $48,000 $195,000
Loan Purchased By The Institution 59 $6,167,000 $104,000 $232,000 $23,000 $199,000
Application Approved But Not Accepted 43 $3,859,000 $89,000 $172,000 $54,000 $147,000
File Closed For Incompleteness 32 $3,452,000 $107,000 $412,000 $35,000 $127,000
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 $2,432,000 $55,000 $160,000 $38,000 $115,000
Debt-To-Income Ratio 25 $1,636,000 $65,000 $200,000 $48,000 $131,000
Collateral 13 $1,373,000 $105,000 $338,000 $68,000 $123,000
Credit Application Incomplete 5 $392,000 $78,000 $111,000 $54,000 $132,000
Insufficient Cash (Downpayment, Closing Cost) 2 $235,000 $117,000 $182,000 $52,000 $65,000
Other 2 $256,000 $128,000 $190,000 $47,000 $48,000
Unverifiable Information 2 $215,000 $107,000 $128,000 $76,000 $81,000
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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