Lamar County, AL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 435 mortgage applications in Lamar County, AL totaling $37.5 million, up 7% from 2008. The average application was for $86,000, and applicants reported an average income of $48,000. 39% of applications resulted in an originated loan and 27% were denied. The most active lender was First State Bank of the South, Inc., with 30 applications, followed by Embrace Home Loans, Inc. and Bank of America, N.A..
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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 | 435 |
| Total Mortgage Loan Application Amount | $37,478,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $276,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $175,000 |
* 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 |
|---|---|---|---|---|
| First State Bank of the South, Inc. P.O. BOX 596, 5856 HWY 278 SULLIGENT, AL 35586 |
* | $ 89,617,000 | 30 | $ 1,386,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 29 | $ 2,511,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 24 | $ 2,188,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 557,250,000 | 23 | $ 783,000 |
| First National Bank 341 MILITARY STREET SOUTH HAMILTON, AL 35570 |
* | $ 258,588,000 | 21 | $ 943,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 19 | $ 2,228,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 17 | $ 1,275,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 16 | $ 2,108,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,488,870,000 | 16 | $ 1,503,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 15 | $ 1,917,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 14 | $ 1,481,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 14 | $ 793,000 |
| Homeowners Mortgage Enterprise 2530 DEVINE STREET COLUMBIA, SC 29205 |
* | $ 10,000,000 | 13 | $ 1,801,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 10 | $ 801,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 9 | $ 400,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 1,967,150,000 | 9 | $ 834,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 9 | $ 1,010,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 1,128,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 8 | $ 571,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 266,000 |
| First Federal Bank 1300 MCFARLAND BOULEVARD NE TUSCALOOSA, AL 35406 |
* | $ 138,775,000 | 8 | $ 812,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,710,374,000 | 7 | $ 563,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 7 | $ 73,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 6 | $ 857,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 446,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 536,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 3 | $ 528,000 |
| Peoplestrust Bank P.O. BOX 189 HAMILTON, AL 35570 |
* | $ 53,422,000 | 3 | $ 58,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 3 | $ 180,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 3 | $ 108,000 |
| Pilot Bank 12471 W. LINEBAUGH AVE TAMPA, FL 33626 |
* | $ 252,466,000 | 3 | $ 113,000 |
| Bank of Kansas City P.O. BOX 2300 TULSA, OK 74192 |
* | $ 87,221,000 | 2 | $ 114,000 |
| First Nat. Bank of Central Al 2323 PAUL W. BRYANT DRIVE TUSCALOOSA, AL 35401 |
* | $ 252,360,000 | 2 | $ 152,000 |
| Community Bank National Assoc 6808 AIRPORT BLVD MOBILE, AL 36608 |
* | $ 41,478,000 | 2 | $ 357,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 2 | $ 272,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 202,000 |
| Pinnacle Bank 1811 2ND AVENUE JASPER, AL 35501 |
* | $ 225,351,000 | 2 | $ 164,000 |
| Peoples Bank of Alabama 1912 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 491,123,000 | 2 | $ 47,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 131,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 467,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Tuscaloosa Credit Union 1100 21ST AVENUE TUSCALOOSA, AL 35401 |
* | $ 41,851,000 | 2 | $ 228,000 |
| Riverfall Credit Union 2520 6TH STREET TUSCALOSA, AL 35401 |
* | $ 66,307,000 | 2 | $ 41,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 2 | $ 163,000 |
| Superior Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 3,034,347,000 | 2 | $ 227,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 229,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 2 | $ 268,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 92,000 |
| First Mortgage Group, Inc. 118 E. MOULTON STREET, TOP FLOOR DECATUR, AL 35601 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 1 | $ 61,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 206,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 206,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 36,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 210,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 64,000 |
| Acipco Federal Credit Union 1501 31ST AVE N BIRMINGHAM, AL 35202 |
* | $ 115,676,000 | 1 | $ 25,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 33,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 262,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 71,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 198,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 45,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 121,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 418,020,000 | 1 | $ 21,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 153,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 93,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 70,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 1 | $ 19,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 276,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 9,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 1 | $ 88,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 38,000 |
| Bankfirst Financial Services 110 SOUTH JEFFERSON MACON, MS 39341 |
* | $ 662,151,000 | 1 | $ 49,000 |
The tables below break down 2009 mortgage applications in Lamar 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 Lamar 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 | 307 | $30,098,000 | $98,000 | $276,000 | $50,000 | $175,000 |
| Home Purchase | 94 | $6,617,000 | $70,000 | $240,000 | $44,000 | $155,000 |
| Home Improvement | 34 | $763,000 | $22,000 | $91,000 | $38,000 | $143,000 |
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 | 331 | $28,502,000 | $86,000 | $276,000 | $51,000 | $175,000 |
| Not Provided | 37 | $3,460,000 | $93,000 | $240,000 | $44,000 | $102,000 |
| Not applicable | 32 | $3,332,000 | $104,000 | $228,000 | $29,000 | $98,000 |
| Black or African American | 31 | $1,890,000 | $60,000 | $195,000 | $46,000 | $166,000 |
| Hispanic | 4 | $294,000 | $73,000 | $156,000 | $32,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 280 | $20,496,000 | $73,000 | $240,000 | $52,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 130 | $14,608,000 | $112,000 | $276,000 | $44,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,030,000 | $79,000 | $156,000 | $25,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,344,000 | $112,000 | $262,000 | $31,000 | $97,000 |
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 | 170 | $13,230,000 | $77,000 | $239,000 | $53,000 | $175,000 |
| Application Denied By Financial Institution | 116 | $9,653,000 | $83,000 | $276,000 | $45,000 | $143,000 |
| Loan Purchased By The Institution | 76 | $8,144,000 | $107,000 | $239,000 | $41,000 | $138,000 |
| Application Withdrawn By Applicant | 46 | $3,996,000 | $86,000 | $216,000 | $49,000 | $135,000 |
| File Closed For Incompleteness | 13 | $1,113,000 | $85,000 | $200,000 | $54,000 | $105,000 |
| Application Approved But Not Accepted | 13 | $1,242,000 | $95,000 | $224,000 | $46,000 | $97,000 |
| Preapproval Denied by Financial Institution | 1 | $100,000 | $100,000 | $100,000 | $19,000 | $19,000 |
| Preapproval Approved but not Accepted | 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 | 33 | $2,428,000 | $73,000 | $239,000 | $35,000 | $105,000 |
| Collateral | 14 | $1,221,000 | $87,000 | $159,000 | $54,000 | $90,000 |
| Debt-To-Income Ratio | 12 | $1,319,000 | $109,000 | $276,000 | $35,000 | $73,000 |
| Other | 7 | $672,000 | $96,000 | $240,000 | $39,000 | $72,000 |
| Credit Application Incomplete | 5 | $658,000 | $131,000 | $200,000 | $69,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $34,000 | $34,000 | $34,000 | $23,000 | $23,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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