Franklin County, AL Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 734 mortgage applications in Franklin County, AL totaling $75.5 million, down 1% from 2018. The average application was for $102,000, and applicants reported an average income of $60,000. 49% of applications resulted in an originated loan and 18% were denied. The most active lender was Cb&S Bank, with 156 applications, followed by 21st Mortgage and Trustmark Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 734
Total Mortgage Loan Application Amount $75,450,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $1,275,000
Average Applicant Income $60,000
Highest Applicant Income $359,000

Mortgage Company List for Lending in Franklin County, AL for 2019

* 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
* $ 1,655,537,000 156 $ 12,310,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 42 $ 2,880,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 13,284,058,000 37 $ 4,665,000
Listerhill Credit Union
P O BOX 566
SHEFFIELD, AL 35660
* $ 790,038,000 35 $ 2,165,000
Bank Independent
710 S MONTGOMERY AVE
SHEFFIELD, AL 35660
* $ 1,597,704,000 27 $ 1,635,000
Traders & Farmers Bank
PO BOX 550
HALEYVILLE, AL 35565
* $ 358,656,000 19 $ 1,165,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 15 $ 1,545,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 15 $ 1,485,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 15 $ 2,295,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 14 $ 1,820,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 13 $ 1,675,000
Alabama Central
3601 4TH AVE S
BIRMINGHAM, AL 35222
* $ 137,711,000 12 $ 1,070,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 12 $ 1,920,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 11 $ 1,165,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 10 $ 1,150,000
Evabank
1710 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 371,717,000 9 $ 365,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 9 $ 945,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 8 $ 920,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 860,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 8 $ 1,200,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,255,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 7 $ 1,335,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 7 $ 525,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 90,056,875,000 7 $ 645,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 7 $ 1,215,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 6 $ 860,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 6 $ 770,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 476,111,000 6 $ 810,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,120,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 6 $ 570,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 5 $ 655,000
Peoplestrust Bank
P.O. BOX 189
HAMILTON, AL 35570
* $ 100,915,000 5 $ 185,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 5 $ 425,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 675,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 865,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 500,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 4 $ 190,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 4 $ 360,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 4 $ 330,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 4 $ 810,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ 124,485,000 4 $ 330,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 275,000
Alabama Credit Union
220 PAUL W. BRYANT DR. E.
TUSCALOOSA, AL 35486
* $ 876,272,000 3 $ 195,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 3 $ 165,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 3 $ 485,000
Consumer First Mortgage, Inc.
511 ENERGY CENTER BLVD, SUITE 702
NORTHPORT, AL 35473
* $ -1,000 3 $ 305,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 3 $ 515,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 3 $ 105,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 12,915,178,000 3 $ 355,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 3 $ 485,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 3 $ 205,000
1st Franklin Financial Corporation
135 E. TUGALO ST.
TOCCOA, GA 30577
* $ -1,000 2 $ 70,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 330,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 140,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 200,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 280,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 290,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 310,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 2 $ 400,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 320,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 230,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 520,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 190,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 440,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 2 $ 180,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 320,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 14,673,422,000 2 $ 90,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 2 $ 310,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ 4,898,596,000 2 $ 110,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 85,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ 454,157,000 1 $ 65,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 85,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 185,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 185,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 105,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,513,109,000 1 $ 75,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 1 $ 65,000
Progress Bank and Trust
201 WILLIAMS AVENUE
HUNTSVILLE, AL 35801
* $ 1,171,614,000 1 $ 65,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 65,000
First National Bank
341 MILITARY STREET SOUTH
HAMILTON, AL 35570
* $ 289,114,000 1 $ 75,000
Southpoint Bank
3501 GRANDVIEW PARKWAY
BIRMINGHAM, AL 35243
* $ 365,096,000 1 $ 125,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 1 $ 125,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 1 $ 185,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 175,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 1 $ 175,000
Valley Credit Union
P O BOX 388
TUSCUMBIA, AL 35674
* $ 71,774,000 1 $ 115,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 12,714,862,000 1 $ 55,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 738,388,000 1 $ 155,000
BNC National Bank

BISMARCK, ND 58501
* $ 970,161,000 1 $ 265,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 1 $ 75,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 55,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 175,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 175,000
First State Bank of the South, Inc.
P.O. BOX 596, 5856 HWY 278
SULLIGENT, AL 35586
* $ 100,874,000 1 $ 385,000
Family Security Credit Union
2204 FAMILY SECURITY PLACE SW
DECATUR, AL 35603
* $ 654,624,000 1 $ 45,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 1 $ 545,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 545,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 75,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 215,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 65,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 125,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 85,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 135,000
Tva Community Credit Union
TVA RESERVATION
MUSCLE SHOALS, AL 35661
* $ 312,333,000 1 $ 15,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 135,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 75,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 5,000

The tables below break down 2019 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 2019

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 390 $42,640,000 $109,000 $1,275,000 $60,000 $359,000
Refinancing 173 $17,035,000 $98,000 $375,000 $59,000 $297,000
Cash-out Refinancing 108 $12,400,000 $114,000 $465,000 $61,000 $274,000
Other Purpose 37 $1,625,000 $43,000 $175,000 $58,000 $164,000
Home Improvement 21 $1,175,000 $55,000 $195,000 $69,000 $168,000
Not Applicable 5 $575,000 $115,000 $165,000 $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 539 $53,025,000 $98,000 $545,000 $59,000 $359,000
Not applicable 78 $10,490,000 $134,000 $1,275,000 $67,000 $218,000
Hispanic 61 $3,915,000 $64,000 $135,000 $46,000 $218,000
Not Provided 33 $5,235,000 $158,000 $545,000 $84,000 $322,000
Black or African American 20 $2,570,000 $128,000 $255,000 $94,000 $254,000
American Indian or Alaskan Native 3 $215,000 $71,000 $105,000 $45,000 $86,000
Asian 0 $0 $0 $0 $0 $0
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) 510 $48,020,000 $94,000 $1,275,000 $62,000 $359,000
FHA-insured (Federal Housing Administration) 118 $13,020,000 $110,000 $315,000 $53,000 $227,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 57 $5,545,000 $97,000 $255,000 $46,000 $93,000
VA-guaranteed (Veterans Administration) 49 $8,865,000 $180,000 $375,000 $76,000 $274,000

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 363 $36,965,000 $101,000 $1,275,000 $63,000 $359,000
Application Denied By Financial Institution 134 $11,340,000 $84,000 $315,000 $49,000 $227,000
Loan Purchased By The Institution 93 $11,585,000 $124,000 $385,000 $64,000 $218,000
Application Withdrawn By Applicant 88 $10,010,000 $113,000 $545,000 $64,000 $322,000
File Closed For Incompleteness 32 $2,680,000 $83,000 $275,000 $59,000 $173,000
Application Approved But Not Accepted 23 $2,765,000 $120,000 $545,000 $65,000 $322,000
Preapproval Denied by Financial Institution 1 $105,000 $105,000 $105,000 $86,000 $86,000
Preapproval Approved but not Accepted 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 587 $63,125,000 $107,000 $1,275,000 $63,000 $359,000
Debt-To-Income Ratio 49 $3,795,000 $77,000 $315,000 $40,000 $107,000
Credit History 48 $3,530,000 $73,000 $225,000 $51,000 $227,000
Collateral 17 $1,665,000 $97,000 $295,000 $64,000 $90,000
Other 16 $1,450,000 $90,000 $175,000 $56,000 $106,000
Unverifiable Information 7 $575,000 $82,000 $155,000 $50,000 $81,000
Credit Application Incomplete 6 $840,000 $140,000 $185,000 $70,000 $133,000
Employment History 2 $390,000 $195,000 $255,000 $68,000 $86,000
Insufficient Cash (Downpayment, Closing Cost) 2 $80,000 $40,000 $75,000 $23,000 $25,000
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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