Henry County, AL Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 940 mortgage applications in Henry County, AL totaling $110.3 million, down 11% from 2008. The average application was for $117,000, and applicants reported an average income of $58,000. 46% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 60 applications, followed by Embrace Home Loans, Inc. and Mortgageamerica, Inc..

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Total Number of Mortgage Applications 940
Total Mortgage Loan Application Amount $110,340,000
Average Mortgage Loan Application Amount $117,000
Highest Mortgage Loan Application Amount $802,000
Average Applicant Income $58,000
Highest Applicant Income $898,000

Mortgage Company List for Lending in Henry County, AL for 2009

* 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
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 60 $ 7,149,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 60 $ 6,148,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 55 $ 9,152,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 48 $ 7,426,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 45 $ 6,128,000
Peoplessouth Bank
203 W CRAWFORD ST
COLQUITT, GA 39837
* $ 514,717,000 45 $ 1,544,000
The Headland National Bank
P.O. BOX 157
HEADLAND, AL 36345
* $ 111,256,000 37 $ 3,006,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 142,084,005,000 37 $ 4,237,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 2,405,524,000 33 $ 1,526,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 32 $ 3,681,000
Citifinancial Corporation
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 29 $ 1,864,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 473,030,000 24 $ 4,332,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 635,476,000,000 23 $ 709,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 21 $ 3,022,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 1,663,691,000 18 $ 2,493,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 16 $ 1,015,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 16 $ 1,903,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 15 $ 2,325,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 15 $ 2,540,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 14 $ 900,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 1,140,194,000 13 $ 1,406,000
All in Credit Union
238 VIRGINIA AVENUE
DALEVILLE, AL 36322
* $ 716,496,000 12 $ 538,000
Five Star Credit Union
411 N FOSTER ST
DOTHAN, AL 36302
* $ 150,757,000 12 $ 807,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 3,710,374,000 11 $ 1,849,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 147,483,646,000 10 $ 1,884,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 10 $ 835,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 10 $ 802,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 10 $ 2,347,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 10 $ 1,043,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 1,790,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 8 $ 812,000
Avadian Credit Union
1 RIVERCHASE PKWY S
HOOVER, AL 35244
* $ 387,587,000 7 $ 679,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 7 $ 973,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 6 $ 756,000
BBVA USA
15 SOUTH 20TH STREET
BIRMINGHAM, AL 35233
* $ 62,251,283,000 6 $ 1,376,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,098,787,000 5 $ 1,105,000
First Federal Bank of Florida
4705 WEST U S HWY 90
LAKE CITY, FL 32055
* $ 617,879,000 5 $ 821,000
First Federal
2440 MALL DR SUITE 100
NORTH CHARLESTON, SC 29406
* $ 3,009,111,000 5 $ 247,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 236,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 491,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 658,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 4 $ 604,000
Sunsouth Bank
108 JAMESTOWN BLVD.
DOTHAN, AL 36301
* $ 239,334,000 4 $ 304,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 4 $ 778,000
Slocomb National Bank
P O BOX 640
SLOCOMB, AL 36375
* $ 67,662,000 4 $ 433,000
Midsouth Bank, N.A.
2526 WEST MAIN STREET
DOTHAN, AL 36301
* $ 337,907,000 3 $ 445,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,657,261,000 3 $ 407,000
Community Bk & Trust of Se Al
PO BOX 311245
ENTERPRISE, AL 36330
* $ 522,272,000 3 $ 1,257,000
Acceptance Loan Company
121 WEST CHURCH STREET
JACKSON, AL 36545
* $ 70,000,000 3 $ 43,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 69,166,325,000 3 $ 638,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,677,931,000 3 $ 155,000
Americahomekey, Inc
3838 OAK LAWN STE 1050
DALLAS, TX 75219
* $ 10,000,000 3 $ 290,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 3 $ 474,000
Gms Funding, LLC
824 MEETING STREET
WEST COLUMBIA, SC 29169
* $ 417,745,000 2 $ 161,000
P.G.A. Mortgage Co., LLC
1609 W MAIN ST STE 203
DOTHAN, AL 36301
* $ 7,026,000 2 $ 199,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 398,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 2 $ 485,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 350,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 2 $ 525,000
Security Atlantic Wholesale
499 THORNALL ST, SUITE 220
EDISON, NJ 08837
* $ 10,000,000 2 $ 316,000
Hamilton Mortgage
1 INDEPENDENCE PLAZA, SUITE 416
BIRMINGHAM, AL 35209
* $ 10,000,000 2 $ 399,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 36,351,625,000 2 $ 191,000
First Bank of Georgia
2743 PERIMETER PKWY BLD 100, SUITE 100
AUGUSTA, GA 30909
* $ 460,726,000 2 $ 375,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 2,657,417,000 1 $ 20,000
Columbia Savings Bank
411 LUDLOW AVENUE
CINCINNATI, OH 45220
* $ 61,257,000 1 $ 65,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 30,307,736,000 1 $ 90,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,853,520,000 1 $ 51,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ 1,161,460,000 1 $ 136,000
Gulfsouth Private Bank
4405 COMMONS DRIVE EAST
DESTIN, FL 32541
* $ 174,883,000 1 $ 160,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 190,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 901,224,000 1 $ 171,000
Financial Freedom Acquisition
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 45,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,176,062,000 1 $ 25,000
Mtc Federal Credit Union
PO BOX 1944
GREENVILLE, SC 29607
* $ 80,984,000 1 $ 75,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 14,649,039,000 1 $ 67,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 21,270,147,000 1 $ 25,000
Gateway Bank, FSB
2336 MERCED STREET
SAN LEANDRO, CA 94577
* $ 479,176,000 1 $ 131,000
American Bank
9001 EDMONSTON ROAD, SUITE 100
GREENBELT, MD 20770
* $ 529,592,000 1 $ 147,000
First National Bank of Georgia
201 MAPLE STREET
CARROLLTON, GA 30117
* $ 888,950,000 1 $ 59,000
Ab&T National Bank
2815 MEREDYTH DRIVE
ALBANY, GA 31707
* $ 134,694,000 1 $ 65,000
Ab&T National Bank
1479 W MAIN ST
DOTHAN, AL 36301
* $ 55,128,000 1 $ 11,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 46,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,000,000 1 $ 108,000
Wintrust Mortgage Corporation
660 MIDWEST RD SUITE 100
OAK BROOK TERRACE, IL 60181
* $ 300,000,000 1 $ 72,000
First Financial Bank
214 N WASHINGTON STREET
EL DORADO, AR 71730
* $ 601,167,000 1 $ 318,000
Bank of Blue Valley
11935 RILEY
OVERLAND PARK, KS 66213
* $ 800,974,000 1 $ 165,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MOUNT, NC 27804
* $ 30,436,225,000 1 $ 132,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 69,459,606,000 1 $ 184,000
Pilot Bank
12471 W. LINEBAUGH AVE
TAMPA, FL 33626
* $ 252,466,000 1 $ 81,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,824,244,000 1 $ 143,000
Ccb Community Bank
225 E THREE NOTCH STREET
ANDALUSIA, AL 36420
* $ 348,256,000 1 $ 280,000
Beneficial Financial I, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 27,839,921,000 1 $ 46,000
Discover Bank
502 EAST MARKET STREET
GREENWOOD, DE 19950
* $ 36,276,270,000 1 $ 5,000
Vision Bank
16901 PANAMA CITY BEACH PARKWAY
PANAMA CITY BEACH, FL 32413
* $ 923,297,000 1 $ 153,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 177,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 83,000
First Ohio Banc & Lending Inc
6100 ROCKSIDE WOODS BLVD
INDEPENDENCE, OH 44131
* $ 10,000,000 1 $ 212,000
Sidus Financial, LLC
1905 TURNBURY DRIVE
GREENVILLE, NC 27858
* $ 10,000,000 1 $ 168,000
Hometown Mortgage Services Inc
5511 HWY 280 E STE 210
BIRMINGHAM, AL 35242
* $ 10,000,000 1 $ 50,000
Max Credit Union
400 EASTDALE CIRCLE
MONTGOMERY, AL 36117
* $ 737,112,000 1 $ 124,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 160,000
World Alliance Financial Corp.
3 HUNTINGTON QUADRANGLE SUITE 201N
MELVILLE, NY 11747
* $ 389,397,000 1 $ 38,000
D & R Mortgage Corp
29870 MIDDLEBELT ROAD
FARMINGTON HILLS, MI 48334
* $ 10,000,000 1 $ 148,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 1 $ 71,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 103,000
Greenlight Financial Services
18200 VON KARMAN STE #300
IRVINE, CA 92612
* $ 10,000,000 1 $ 181,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 1 $ 111,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 1 $ 71,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 300,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 1 $ 160,000
Walker Jackson Mortgage Corpor
14501 GEORGE CARTER WAY
CHANTILLY, VA 20151
* $ 292,944,000 1 $ 137,000

The tables below break down 2009 mortgage applications in Henry 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 Henry County, AL in 2009

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 650 $82,848,000 $127,000 $764,000 $61,000 $524,000
Home Purchase 227 $25,144,000 $110,000 $802,000 $55,000 $898,000
Home Improvement 63 $2,348,000 $37,000 $190,000 $41,000 $126,000

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 690 $86,612,000 $125,000 $802,000 $67,000 $898,000
Black or African American 126 $8,781,000 $69,000 $376,000 $35,000 $146,000
Not Provided 59 $6,584,000 $111,000 $284,000 $40,000 $144,000
Not applicable 55 $6,714,000 $122,000 $369,000 $22,000 $132,000
Hispanic 7 $1,078,000 $154,000 $300,000 $66,000 $90,000
Asian 2 $438,000 $219,000 $318,000 $75,000 $136,000
American Indian or Alaskan Native 1 $133,000 $133,000 $133,000 $33,000 $33,000
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) 638 $71,412,000 $111,000 $802,000 $66,000 $898,000
FHA-insured (Federal Housing Administration) 243 $30,153,000 $124,000 $276,000 $44,000 $227,000
VA-guaranteed (Veterans Administration) 39 $6,368,000 $163,000 $284,000 $46,000 $94,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 20 $2,407,000 $120,000 $318,000 $30,000 $136,000

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 430 $49,704,000 $115,000 $802,000 $66,000 $898,000
Application Denied By Financial Institution 182 $18,504,000 $101,000 $417,000 $51,000 $524,000
Loan Purchased By The Institution 166 $23,581,000 $142,000 $369,000 $52,000 $305,000
Application Withdrawn By Applicant 108 $13,061,000 $120,000 $335,000 $52,000 $144,000
Application Approved But Not Accepted 31 $2,614,000 $84,000 $214,000 $46,000 $112,000
File Closed For Incompleteness 23 $2,876,000 $125,000 $304,000 $69,000 $271,000
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 42 $2,884,000 $68,000 $323,000 $43,000 $444,000
Debt-To-Income Ratio 27 $4,094,000 $151,000 $417,000 $48,000 $133,000
Collateral 24 $2,281,000 $95,000 $284,000 $54,000 $146,000
Other 8 $1,076,000 $134,000 $300,000 $154,000 $524,000
Credit Application Incomplete 5 $516,000 $103,000 $272,000 $43,000 $72,000
Unverifiable Information 2 $321,000 $160,000 $174,000 $72,000 $92,000
Employment History 2 $71,000 $35,000 $51,000 $33,000 $37,000
Insufficient Cash (Downpayment, Closing Cost) 1 $92,000 $92,000 $92,000 $0 $0
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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