Holmes County, FL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 531 mortgage applications in Holmes County, FL totaling $53.4 million, down 10% from 2008. The average application was for $100,000, and applicants reported an average income of $53,000. 42% of applications resulted in an originated loan and 27% were denied. The most active lender was Regions Bank, with 59 applications, followed by Wells Fargo Bank, NA and Cedar Valley Bank & Trust.
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| 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 | 531 |
| Total Mortgage Loan Application Amount | $53,439,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $754,000 |
* 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 |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 59 | $ 5,525,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 50 | $ 6,480,000 |
| Cedar Valley Bank & Trust 321 MAIN ST LA PORTE CITY, IA 50651 |
* | $ 246,218,000 | 49 | $ 3,154,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 26 | $ 3,262,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 22 | $ 2,084,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 901,224,000 | 21 | $ 1,606,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 20 | $ 2,239,000 |
| Citifinancial Equity Services 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 16 | $ 575,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 15 | $ 1,937,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 15 | $ 1,806,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 12 | $ 579,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 11 | $ 765,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 938,552,000 | 11 | $ 601,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 1,229,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 9 | $ 580,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 514,717,000 | 8 | $ 425,000 |
| All in Credit Union 238 VIRGINIA AVENUE DALEVILLE, AL 36322 |
* | $ 716,496,000 | 8 | $ 670,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 8 | $ 904,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 7 | $ 489,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 7 | $ 861,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 7 | $ 593,000 |
| City Bank of Hartford P O BOX 340 HARTFORD, AL 36344 |
* | $ 51,154,000 | 7 | $ 306,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 6 | $ 916,000 |
| Homeland Lending Inc 2612 N ADAMS ST PLANT CITY, FL 33563 |
* | $ 10,000,000 | 6 | $ 553,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 5 | $ 450,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 5 | $ 1,024,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 5 | $ 61,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 623,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 4 | $ 553,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 4 | $ 372,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 4 | $ 666,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 4 | $ 691,000 |
| Avadian Credit Union 1 RIVERCHASE PKWY S HOOVER, AL 35244 |
* | $ 387,587,000 | 4 | $ 274,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 3 | $ 350,000 |
| Beach Community Mortgage Servi 11 RACETRACK ROAD, BUILD A FORT WALTON BEACH, FL 32547 |
* | $ 334,537,000 | 3 | $ 745,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 448,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 3 | $ 242,000 |
| Banktrust 107 ST FRANCIS STREET MOBILE, AL 36602 |
* | $ 2,088,839,000 | 3 | $ 168,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 409,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 373,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 230,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 187,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 132,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 182,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 2 | $ 180,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 2 | $ 139,000 |
| Superior Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 3,034,347,000 | 2 | $ 301,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 175,104,000 | 2 | $ 292,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ 3,686,874,000 | 1 | $ 72,000 |
| Mid-Atlantic FCU 12820 WISTERIA DRIVE GERMANTOWN, MD 20874 |
* | $ 217,632,000 | 1 | $ 106,000 |
| Suncoast Credit Union 6801 E HILLSBOROUGH AVE TAMPA, FL 33610 |
* | $ 5,922,308,000 | 1 | $ 149,000 |
| Eglin Federal Credit Union 838 EGLIN PARKWAY NE FORT WALTON BEACH, FL 32547 |
* | $ 1,119,236,000 | 1 | $ 70,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 179,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 84,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 35,000 |
| Green Planet Mortgage, LLC 4900 CREEKSIDE DRIVE SUITE H CLEARWATER, FL 33760 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 100,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 236,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 108,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 230,000 |
| Ccb Community Bank 225 E THREE NOTCH STREET ANDALUSIA, AL 36420 |
* | $ 348,256,000 | 1 | $ 27,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 104,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 823,318,000 | 1 | $ 244,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,657,261,000 | 1 | $ 185,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 345,000 |
| Coastal Community Bank 12141 PANAMA CITY BEACH PARKWAY PANAMA CITY BEACH, FL 32407 |
* | $ 360,589,000 | 1 | $ 151,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 284,000 |
| Peoples First Community Bank 1022 W 23RD STREET PANAMA CITY, FL 32405 |
* | $ 1,890,369,000 | 1 | $ 102,000 |
| American Finance Company P. O. BOX 1327 FORT WALTON BEACH, FL 32549 |
* | $ 428,904,000 | 1 | $ 25,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 1 | $ 184,000 |
| Mortgage One of the South, Inc 15 N. EGLIN PARKWAY FORT WALTON BEACH, FL 32548 |
* | $ 428,904,000 | 1 | $ 140,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 208,000 |
The tables below break down 2009 mortgage applications in Holmes County, FL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Holmes County, FL 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 | 345 | $38,497,000 | $111,000 | $417,000 | $57,000 | $754,000 |
| Home Purchase | 146 | $13,791,000 | $94,000 | $275,000 | $45,000 | $300,000 |
| Home Improvement | 40 | $1,151,000 | $28,000 | $104,000 | $50,000 | $199,000 |
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 | 436 | $42,508,000 | $97,000 | $340,000 | $55,000 | $754,000 |
| Not Provided | 49 | $6,324,000 | $129,000 | $417,000 | $69,000 | $663,000 |
| Not applicable | 28 | $3,030,000 | $108,000 | $292,000 | $21,000 | $101,000 |
| Black or African American | 9 | $559,000 | $62,000 | $122,000 | $38,000 | $132,000 |
| Hispanic | 5 | $710,000 | $142,000 | $244,000 | $13,000 | $37,000 |
| American Indian or Alaskan Native | 4 | $308,000 | $77,000 | $174,000 | $51,000 | $94,000 |
| 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) | 373 | $34,665,000 | $92,000 | $417,000 | $58,000 | $754,000 |
| FHA-insured (Federal Housing Administration) | 110 | $12,456,000 | $113,000 | $263,000 | $47,000 | $181,000 |
| VA-guaranteed (Veterans Administration) | 30 | $4,372,000 | $145,000 | $295,000 | $23,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,946,000 | $108,000 | $168,000 | $36,000 | $63,000 |
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 | 224 | $21,494,000 | $95,000 | $417,000 | $58,000 | $754,000 |
| Application Denied By Financial Institution | 146 | $14,119,000 | $96,000 | $417,000 | $51,000 | $663,000 |
| Application Withdrawn By Applicant | 62 | $7,430,000 | $119,000 | $392,000 | $60,000 | $213,000 |
| Loan Purchased By The Institution | 51 | $5,841,000 | $114,000 | $294,000 | $32,000 | $117,000 |
| Application Approved But Not Accepted | 27 | $2,485,000 | $92,000 | $295,000 | $56,000 | $300,000 |
| File Closed For Incompleteness | 21 | $2,070,000 | $98,000 | $248,000 | $51,000 | $117,000 |
| 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 | 43 | $2,675,000 | $62,000 | $224,000 | $44,000 | $140,000 |
| Collateral | 20 | $2,627,000 | $131,000 | $345,000 | $81,000 | $663,000 |
| Debt-To-Income Ratio | 16 | $2,314,000 | $144,000 | $417,000 | $34,000 | $106,000 |
| Other | 13 | $1,446,000 | $111,000 | $224,000 | $61,000 | $200,000 |
| Credit Application Incomplete | 4 | $534,000 | $133,000 | $191,000 | $40,000 | $56,000 |
| Unverifiable Information | 2 | $139,000 | $69,000 | $100,000 | $84,000 | $147,000 |
| Employment History | 1 | $153,000 | $153,000 | $153,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 1 | $120,000 | $120,000 | $120,000 | $79,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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