Henry County, AL Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 878 mortgage applications in Henry County, AL totaling $104.1 million, about the same as 2011. The average application was for $118,000, and applicants reported an average income of $67,000. 49% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 142 applications, followed by Peoplessouth Bank and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 878
Total Mortgage Loan Application Amount $104,088,000
Average Mortgage Loan Application Amount $118,000
Highest Mortgage Loan Application Amount $720,000
Average Applicant Income $67,000
Highest Applicant Income $808,000

Mortgage Company List for Lending in Henry County, AL for 2012

* 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

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 142 $ 19,125,000
Peoplessouth Bank
203 W CRAWFORD ST
COLQUITT, GA 39837
* $ 533,698,000 79 $ 4,265,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 52 $ 6,204,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 43 $ 6,788,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 35 $ 1,622,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 31 $ 3,444,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 3,003,189,000 28 $ 2,545,000
The Headland National Bank
P.O. BOX 157
HEADLAND, AL 36345
* $ 108,560,000 24 $ 1,613,000
All in Credit Union
238 VIRGINIA AVENUE
DALEVILLE, AL 36322
* $ 1,033,235,000 23 $ 1,872,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 19 $ 1,387,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 2,129,510,000 18 $ 2,903,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 17 $ 1,604,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 17 $ 2,357,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 17 $ 2,782,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,074,816,000 16 $ 1,535,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ 2,460,239,000 14 $ 2,124,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 63,106,987,000 13 $ 2,317,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 13 $ 2,294,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 12 $ 2,042,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 12 $ 1,873,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 12 $ 1,610,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 12 $ 1,890,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ 10,000,000 9 $ 1,091,000
Banksouth
P O BOX 1967
DOTHAN, AL 36302
* $ 193,831,000 9 $ 667,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 8 $ 670,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 7 $ 987,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 7 $ 988,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 7 $ 973,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 6 $ 87,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,196,437,000 6 $ 762,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 708,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 6 $ 800,000
Cmco Mortgage, LLC dba Home Le
7851 FREEWAY CIRCLE
MIDDLEBURG HEIGHTS, OH 44130
* $ 10,000,000 5 $ 643,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 5 $ 1,072,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 5 $ 1,012,000
First State Bank of Blakely
2213 S. MAIN STREET
BLAKELY, GA 39823
* $ 362,765,000 4 $ 323,000
Sunsouth Bank
108 JAMESTOWN BLVD.
DOTHAN, AL 36301
* $ 198,912,000 4 $ 854,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 4 $ 350,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 4 $ 977,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 406,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 4 $ 471,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 4 $ 507,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 531,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 3 $ 180,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 3 $ 402,000
Max Credit Union
400 EASTDALE CIRCLE
MONTGOMERY, AL 36117
* $ 913,543,000 3 $ 357,000
Avadian Credit Union
1 RIVERCHASE PKWY S
HOOVER, AL 35244
* $ 573,111,000 3 $ 240,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 578,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 506,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 3 $ 22,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 2 $ 267,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 2 $ 274,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 2 $ 361,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 26,863,303,000 2 $ 236,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 2 $ 394,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 2 $ 419,000
Banktrust
107 ST FRANCIS STREET
MOBILE, AL 36602
* $ 2,040,780,000 2 $ 221,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 2 $ 405,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 2 $ 180,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 94,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 2 $ 321,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 232,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 278,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 2 $ 291,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 468,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 155,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 152,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 77,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 99,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 179,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 56,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 150,000
Dsld Mortgage LLC

BATON ROUGE, LA 70809
* $ 222,000 1 $ 144,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 138,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 93,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 111,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 296,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 92,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 144,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 159,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,562,678,000 1 $ 27,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 978,405,000 1 $ 137,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 1 $ 82,000
Evabank
1710 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 352,056,000 1 $ 98,000
Community & Southern Bank
3333 RIVERWOOD PARKWAY SUITE #350
ATLANTA, GA 30339
* $ 2,193,351,000 1 $ 52,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 149,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 149,000
First National Bank of Hartford
P.O. BOX 129
HARTFORD, AL 36344
* $ 147,026,000 1 $ 31,000
Midsouth Bank, N.A.
2526 WEST MAIN STREET
DOTHAN, AL 36301
* $ 374,812,000 1 $ 65,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,612,081,000 1 $ 156,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 227,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 1 $ 77,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,571,750,000 1 $ 68,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 137,000
Friend Bank
220 E LAWRENCE HARRIS HWY
SLOCOMB, AL 36375
* $ 72,672,000 1 $ 156,000
Usameribank
4790 140TH AVE N
CLEARWATER, FL 33762
* $ 2,120,766,000 1 $ 310,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 798,484,000 1 $ 130,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 52,000
P.G.A. Mortgage Co., LLC
1609 W MAIN ST STE 203
DOTHAN, AL 36301
* $ 7,026,000 1 $ 75,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 43,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 103,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 91,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 205,000
Christensen Financial, Inc.
860 N SR 434
ALTAMONTE SPRINGS, FL 32714
* $ 10,000,000 1 $ 142,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 251,000

The tables below break down 2012 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 2012

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 535 $70,707,000 $132,000 $499,000 $66,000 $672,000
Home Purchase 282 $31,028,000 $110,000 $720,000 $67,000 $808,000
Home Improvement 61 $2,353,000 $38,000 $296,000 $64,000 $347,000

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 658 $81,568,000 $123,000 $720,000 $75,000 $808,000
Black or African American 91 $6,771,000 $74,000 $303,000 $42,000 $152,000
Not Provided 70 $7,711,000 $110,000 $499,000 $51,000 $239,000
Not applicable 46 $6,364,000 $138,000 $333,000 $11,000 $141,000
Hispanic 11 $1,379,000 $125,000 $233,000 $92,000 $239,000
Native Hawaiian or Other Pacific Islander 1 $189,000 $189,000 $189,000 $48,000 $48,000
American Indian or Alaskan Native 1 $106,000 $106,000 $106,000 $100,000 $100,000
Asian 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) 583 $63,480,000 $108,000 $720,000 $77,000 $808,000
FHA-insured (Federal Housing Administration) 165 $20,734,000 $125,000 $274,000 $45,000 $198,000
VA-guaranteed (Veterans Administration) 72 $12,777,000 $177,000 $499,000 $48,000 $239,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 58 $7,097,000 $122,000 $221,000 $42,000 $78,000

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 429 $48,556,000 $113,000 $499,000 $76,000 $808,000
Loan Purchased By The Institution 166 $25,021,000 $150,000 $393,000 $55,000 $420,000
Application Denied By Financial Institution 166 $15,029,000 $90,000 $720,000 $50,000 $230,000
Application Withdrawn By Applicant 71 $10,254,000 $144,000 $405,000 $73,000 $350,000
Application Approved But Not Accepted 35 $3,484,000 $99,000 $275,000 $50,000 $198,000
File Closed For Incompleteness 11 $1,744,000 $158,000 $342,000 $131,000 $672,000
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 45 $2,491,000 $55,000 $282,000 $39,000 $192,000
Debt-To-Income Ratio 27 $1,982,000 $73,000 $180,000 $33,000 $76,000
Collateral 17 $2,559,000 $150,000 $720,000 $72,000 $230,000
Other 13 $1,362,000 $104,000 $200,000 $68,000 $134,000
Credit Application Incomplete 12 $1,423,000 $118,000 $186,000 $84,000 $180,000
Insufficient Cash (Downpayment, Closing Cost) 4 $284,000 $71,000 $93,000 $58,000 $172,000
Unverifiable Information 2 $73,000 $36,000 $64,000 $37,000 $43,000
Employment History 1 $82,000 $82,000 $82,000 $19,000 $19,000
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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