Franklin County, AL Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 787 mortgage applications in Franklin County, AL totaling $109.3 million, up 7% from 2023. The average application was for $138,000, and applicants reported an average income of $83,000. 49% of applications resulted in an originated loan and 20% were denied. The most active lender was Cb&S Bank, with 180 applications, followed by 21st Mortgage and First Metro 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 787
Total Mortgage Loan Application Amount $109,285,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $665,000
Average Applicant Income $83,000
Highest Applicant Income $821,000

Mortgage Company List for Lending in Franklin County, AL for 2024

* 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 180 $ 17,310,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 50 $ 5,480,000
First Metro Bank
406 W AVALON AVE
MUSCLE SHOALS, AL 35661
* $ n/a 29 $ 1,815,000
Listerhill Credit Union
P O BOX 566
SHEFFIELD, AL 35660
* $ n/a 25 $ 3,655,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 23 $ 2,145,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 23 $ 4,275,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 18 $ 2,880,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 17 $ 1,865,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 16 $ 3,520,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 15 $ 2,565,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 15 $ 2,595,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 13 $ 2,995,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 13 $ 1,125,000
Bank Independent
710 S MONTGOMERY AVE
SHEFFIELD, AL 35660
* $ n/a 13 $ 1,195,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ n/a 12 $ 2,170,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 12 $ 1,800,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 10 $ 1,350,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 10 $ 1,690,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 10 $ 2,080,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 9 $ 1,255,000
Bankfirst Financial Services
PO BOX 31
MACON, MS 39341
* $ n/a 8 $ 920,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 8 $ 930,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 7 $ 245,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 7 $ 1,385,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 7 $ 1,625,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 7 $ 755,000
Peoplestrust Bank
P.O. BOX 189
HAMILTON, AL 35570
* $ n/a 6 $ 510,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ n/a 6 $ 640,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 6 $ 170,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 6 $ 1,110,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 6 $ 1,770,000
Evabank
1710 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ n/a 5 $ 145,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 5 $ 655,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 5 $ 1,195,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ n/a 5 $ 825,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 305,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 5 $ 795,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 5 $ 885,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 675,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 5 $ 385,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 5 $ 1,115,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 4 $ 570,000
First National Bank
341 MILITARY STREET SOUTH
HAMILTON, AL 35570
* $ n/a 4 $ 650,000
Consumer First Mortgage, Inc.
511 ENERGY CENTER BLVD, SUITE 702
NORTHPORT, AL 35473
* $ n/a 4 $ 580,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 4 $ 840,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 4 $ 770,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 3 $ 385,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 3 $ 195,000
Alabama Central Credit Union
3601 4TH AVE S
BIRMINGHAM, AL 35222
* $ n/a 3 $ 855,000
Bank of Frankewing
PO BOX 1
FRANKEWING, TN 38459
* $ n/a 3 $ 455,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 90,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 260,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 2 $ 370,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 2 $ 110,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 580,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 670,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 420,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 70,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 2 $ 330,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ n/a 2 $ 210,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ n/a 2 $ 390,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 2 $ 530,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 2 $ 380,000
First Southern Bank
303 NORTH PINE STREET
FLORENCE, AL 35630
* $ n/a 2 $ 580,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 430,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 550,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 490,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 220,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 220,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 450,000
River Bank & Trust
2611 LEGENDS DRIVE
PRATTVILLE, AL 36066
* $ n/a 2 $ 490,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 215,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 285,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 1 $ 145,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 195,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 1 $ 495,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 1 $ 235,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 1 $ 345,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 205,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 1 $ 95,000
Wilson Bank and Trust
623 WEST MAIN STREET
LEBANON, TN 37087
* $ n/a 1 $ 225,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 205,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 155,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 1 $ 475,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 375,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 225,000
Family Security Credit Union
2204 FAMILY SECURITY PLACE SW
DECATUR, AL 35603
* $ n/a 1 $ 55,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ n/a 1 $ 205,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 115,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 425,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 175,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 205,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 1 $ 295,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 275,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 125,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 1 $ 235,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 1 $ 305,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 155,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 225,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 1 $ 195,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 135,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 135,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 125,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 225,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 345,000
First State Bank of the South, Inc
P.O. BOX 596, 5856 HWY 278
SULLIGENT, AL 35586
* $ n/a 1 $ 295,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 1 $ 155,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ n/a 1 $ 105,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 195,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 145,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 305,000
Grow Financial Federal Credit Union
9927 DELANEY LAKE DRIVE
TAMPA, FL 33647
* $ n/a 1 $ 25,000

The tables below break down 2024 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 2024

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 448 $71,040,000 $158,000 $665,000 $83,000 $821,000
Refinancing 118 $15,840,000 $134,000 $425,000 $95,000 $301,000
Cash-out Refinancing 95 $14,815,000 $155,000 $605,000 $77,000 $258,000
Other Purpose 71 $4,595,000 $64,000 $305,000 $71,000 $231,000
Home Improvement 52 $2,740,000 $52,000 $255,000 $82,000 $278,000
Not Applicable 3 $255,000 $85,000 $115,000 $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 541 $71,775,000 $132,000 $665,000 $86,000 $821,000
Hispanic 104 $12,700,000 $122,000 $665,000 $73,000 $310,000
Not applicable 74 $13,620,000 $184,000 $535,000 $56,000 $88,000
Not Provided 41 $6,935,000 $169,000 $605,000 $78,000 $162,000
Black or African American 20 $3,360,000 $168,000 $345,000 $58,000 $126,000
American Indian or Alaskan Native 4 $670,000 $167,000 $315,000 $110,000 $301,000
Asian 3 $225,000 $75,000 $175,000 $51,000 $77,000
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) 555 $62,855,000 $113,000 $665,000 $85,000 $821,000
FHA-insured (Federal Housing Administration) 168 $31,020,000 $184,000 $435,000 $73,000 $301,000
VA-guaranteed (Veterans Administration) 45 $12,305,000 $273,000 $605,000 $99,000 $312,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $3,105,000 $163,000 $215,000 $61,000 $84,000

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 387 $50,975,000 $131,000 $535,000 $89,000 $821,000
Application Denied By Financial Institution 160 $20,140,000 $125,000 $605,000 $66,000 $354,000
Application Withdrawn By Applicant 88 $14,450,000 $164,000 $665,000 $91,000 $500,000
Loan Purchased By The Institution 82 $15,370,000 $187,000 $535,000 $68,000 $124,000
File Closed For Incompleteness 41 $4,975,000 $121,000 $455,000 $65,000 $224,000
Application Approved But Not Accepted 29 $3,375,000 $116,000 $375,000 $91,000 $273,000
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
Not applicable 540 $83,230,000 $154,000 $665,000 $86,000 $821,000
Debt-To-Income Ratio 136 $13,140,000 $96,000 $605,000 $82,000 $244,000
Credit History 53 $5,365,000 $101,000 $255,000 $62,000 $164,000
Credit Application Incomplete 25 $2,885,000 $115,000 $245,000 $75,000 $150,000
Collateral 20 $2,850,000 $142,000 $255,000 $93,000 $354,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,175,000 $167,000 $425,000 $63,000 $108,000
Other 3 $285,000 $95,000 $105,000 $50,000 $55,000
Unverifiable Information 3 $355,000 $118,000 $205,000 $58,000 $67,000
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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