Franklin County, AL Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 812 mortgage applications in Franklin County, AL totaling $107.9 million, down 20% from 2021. The average application was for $132,000, and applicants reported an average income of $70,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was Cb&S Bank, with 193 applications, followed by Listerhill Credit Union and 21st Mortgage.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Alabama.
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 812
Total Mortgage Loan Application Amount $107,920,000
Average Mortgage Loan Application Amount $132,000
Highest Mortgage Loan Application Amount $1,325,000
Average Applicant Income $70,000
Highest Applicant Income $720,000

Mortgage Company List for Lending in Franklin County, AL for 2022

* 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
* $ 2,411,518,000 193 $ 15,925,000
Listerhill Credit Union
P O BOX 566
SHEFFIELD, AL 35660
* $ 1,142,399,000 60 $ 7,710,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 46 $ 5,870,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 27 $ 2,935,000
Alabama Central Credit Union
3601 4TH AVE S
BIRMINGHAM, AL 35222
* $ 198,121,000 23 $ 4,525,000
Bank Independent
710 S MONTGOMERY AVE
SHEFFIELD, AL 35660
* $ 2,229,522,000 22 $ 3,120,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 22 $ 2,960,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 20 $ 3,880,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 19 $ 1,995,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 17 $ 2,425,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 16 $ 2,680,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 14 $ 1,310,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 2,080,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 10 $ 1,440,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 10 $ 2,220,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 1,435,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 1,205,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 9 $ 605,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 9 $ 3,385,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 8 $ 1,330,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 1,640,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,870,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 17,593,319,000 8 $ 1,250,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 7 $ 1,225,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 945,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 7 $ 1,145,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 920,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,070,000
Consumer First Mortgage, Inc.
511 ENERGY CENTER BLVD, SUITE 702
NORTHPORT, AL 35473
* $ -1,000 5 $ 735,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ 131,771,000 5 $ 755,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ 7,408,288,000 5 $ 1,095,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 5 $ 575,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 5 $ 615,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 5 $ 895,000
Progress Bank and Trust
201 WILLIAMS AVENUE
HUNTSVILLE, AL 35801
* $ 1,779,568,000 4 $ 510,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 4 $ 310,000
Bankfirst Financial Services
PO BOX 31
MACON, MS 39341
* $ 1,818,788,000 4 $ 170,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 4 $ 460,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 540,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 4 $ 490,000
First Southern Bank
303 NORTH PINE STREET
FLORENCE, AL 35630
* $ 417,481,000 4 $ 970,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 585,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 495,000
Valley Credit Union
P O BOX 388
TUSCUMBIA, AL 35674
* $ 94,383,000 3 $ 125,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 305,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 345,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 3 $ 345,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 405,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 3 $ 735,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 3 $ 545,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 360,000
First National Bank
341 MILITARY STREET SOUTH
HAMILTON, AL 35570
* $ 388,321,000 2 $ 120,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 200,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 180,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 2 $ 150,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 310,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 120,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 270,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 2 $ 160,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 2 $ 390,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 2 $ 410,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 150,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 340,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 240,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 195,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 195,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 75,000
Alabama One Credit Union
1215 VETERANS MEMORIAL PARKWAY
TUSCALOOSA, AL 35404
* $ 938,632,000 1 $ 275,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 1 $ 25,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 315,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 295,000
Sycamore Bank
301 EAST MAIN STREET
SENATOBIA, MS 38668
* $ 318,023,000 1 $ 135,000
Tva Community Credit Union
TVA RESERVATION
MUSCLE SHOALS, AL 35661
* $ 415,376,000 1 $ 245,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 375,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 270,649,000 1 $ 235,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 35,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 205,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 185,000
Bryant Bank
1550 MCFARLAND BLVD N
TUSCALOOSA, AL 35406
* $ 2,632,604,000 1 $ 315,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 65,000
Peoples Bank of Alabama
1912 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 1,205,522,000 1 $ 145,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 405,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 175,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 1 $ 185,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 1 $ 155,000
Alabama Credit Union
220 PAUL W. BRYANT DR. E.
TUSCALOOSA, AL 35486
* $ 1,400,922,000 1 $ 75,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 1 $ 225,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 125,000
Family Security Credit Union
2204 FAMILY SECURITY PLACE SW
DECATUR, AL 35603
* $ 941,244,000 1 $ 115,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 145,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 365,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 75,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 345,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 1 $ 135,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 57,224,306,000 1 $ 125,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 285,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 185,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 135,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 125,000

The tables below break down 2022 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 2022

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 420 $65,890,000 $156,000 $1,325,000 $72,000 $720,000
Cash-out Refinancing 164 $21,880,000 $133,000 $495,000 $67,000 $200,000
Refinancing 139 $15,445,000 $111,000 $385,000 $67,000 $323,000
Home Improvement 48 $2,060,000 $42,000 $135,000 $63,000 $137,000
Other Purpose 38 $2,510,000 $66,000 $365,000 $82,000 $271,000
Not Applicable 3 $135,000 $45,000 $55,000 $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 602 $76,240,000 $126,000 $505,000 $72,000 $720,000
Hispanic 71 $5,525,000 $77,000 $245,000 $52,000 $177,000
Not applicable 66 $13,580,000 $205,000 $1,325,000 $59,000 $98,000
Not Provided 47 $8,245,000 $175,000 $505,000 $74,000 $229,000
Black or African American 21 $3,675,000 $175,000 $495,000 $77,000 $206,000
American Indian or Alaskan Native 3 $285,000 $95,000 $185,000 $23,000 $44,000
Asian 1 $225,000 $225,000 $225,000 $87,000 $87,000
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) 593 $69,965,000 $117,000 $1,325,000 $71,000 $720,000
FHA-insured (Federal Housing Administration) 128 $20,930,000 $163,000 $375,000 $65,000 $164,000
VA-guaranteed (Veterans Administration) 61 $12,445,000 $204,000 $495,000 $77,000 $176,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 30 $4,580,000 $152,000 $345,000 $58,000 $102,000

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 420 $56,510,000 $134,000 $1,325,000 $75,000 $509,000
Application Denied By Financial Institution 148 $17,740,000 $119,000 $405,000 $64,000 $720,000
Application Withdrawn By Applicant 100 $11,630,000 $116,000 $425,000 $65,000 $200,000
Loan Purchased By The Institution 73 $12,045,000 $165,000 $375,000 $56,000 $98,000
File Closed For Incompleteness 47 $6,545,000 $139,000 $365,000 $66,000 $172,000
Application Approved But Not Accepted 22 $2,870,000 $130,000 $245,000 $64,000 $110,000
Preapproval Approved but not Accepted 1 $505,000 $505,000 $505,000 $187,000 $187,000
Preapproval Denied by Financial Institution 1 $75,000 $75,000 $75,000 $44,000 $44,000

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
Not applicable 610 $86,080,000 $141,000 $1,325,000 $70,000 $509,000
Debt-To-Income Ratio 93 $8,545,000 $91,000 $425,000 $73,000 $449,000
Credit History 68 $8,120,000 $119,000 $405,000 $57,000 $120,000
Collateral 12 $1,720,000 $143,000 $225,000 $65,000 $100,000
Credit Application Incomplete 11 $1,295,000 $117,000 $245,000 $138,000 $720,000
Other 10 $1,260,000 $126,000 $315,000 $79,000 $117,000
Unverifiable Information 4 $570,000 $142,000 $265,000 $82,000 $132,000
Employment History 3 $265,000 $88,000 $165,000 $56,000 $70,000
Insufficient Cash (Downpayment, Closing Cost) 1 $65,000 $65,000 $65,000 $42,000 $42,000
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.

Download the Alabama Lender List