Lamar County, AL Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 386 mortgage applications in Lamar County, AL totaling $34.2 million, down 11% from 2009. The average application was for $88,000, and applicants reported an average income of $52,000. 43% of applications resulted in an originated loan and 24% were denied. The most active lender was West Alabama Bank & Trust, with 31 applications, followed by First State Bank of the South, 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 | 386 |
| Total Mortgage Loan Application Amount | $34,206,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $236,000 |
* 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 |
|---|---|---|---|---|
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 569,532,000 | 31 | $ 1,641,000 |
| First State Bank of the South, Inc. P.O. BOX 596, 5856 HWY 278 SULLIGENT, AL 35586 |
* | $ 94,971,000 | 30 | $ 1,221,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 28 | $ 2,473,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 22 | $ 3,069,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 21 | $ 2,098,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 18 | $ 2,456,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,163,459,000 | 16 | $ 1,512,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,898,000 |
| First National Bank 341 MILITARY STREET SOUTH HAMILTON, AL 35570 |
* | $ 271,720,000 | 13 | $ 261,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 12 | $ 949,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 12 | $ 1,115,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 636,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 402,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 10 | $ 884,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 10 | $ 724,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 10 | $ 292,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,421,986,000 | 7 | $ 385,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 7 | $ 918,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 6 | $ 529,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 5 | $ 329,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 3,634,677,000 | 5 | $ 878,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 5 | $ 491,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 4 | $ 392,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 4 | $ 554,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 4 | $ 269,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 267,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 438,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 168,000 |
| Bankfirst Financial Services 110 SOUTH JEFFERSON MACON, MS 39341 |
* | $ 723,147,000 | 3 | $ 315,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,396,294,000 | 3 | $ 209,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 123,758,000 | 3 | $ 608,000 |
| First Nat. Bank of Central Al 2323 PAUL W. BRYANT DRIVE TUSCALOOSA, AL 35401 |
* | $ 245,532,000 | 2 | $ 104,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 2 | $ 122,000 |
| Listerhill Credit Union P O BOX 566 SHEFFIELD, AL 35660 |
* | $ 457,869,000 | 2 | $ 166,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,726,828,000 | 2 | $ 59,000 |
| First Federal Bank 1300 MCFARLAND BOULEVARD NE TUSCALOOSA, AL 35406 |
* | $ 157,437,000 | 2 | $ 189,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 220,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 284,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 289,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 372,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 531,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 125,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 88,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 64,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 286,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 1 | $ 90,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 107,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 118,000 |
| Riverfall Credit Union 2520 6TH STREET TUSCALOSA, AL 35401 |
* | $ 77,040,000 | 1 | $ 58,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 166,000 |
| First Arkansas Bank and Trust 600 WEST MAIN STREET JACKSONVILLE, AR 72076 |
* | $ 602,442,000 | 1 | $ 116,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 76,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 187,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,129,665,000 | 1 | $ 107,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 906,535,000 | 1 | $ 76,000 |
| Superior Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 3,220,737,000 | 1 | $ 35,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 30,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 414,964,000 | 1 | $ 134,000 |
The tables below break down 2010 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 2010
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 | 207 | $21,006,000 | $101,000 | $286,000 | $58,000 | $236,000 |
| Home Purchase | 151 | $12,357,000 | $81,000 | $300,000 | $48,000 | $140,000 |
| Home Improvement | 28 | $843,000 | $30,000 | $193,000 | $33,000 | $96,000 |
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 | 324 | $29,165,000 | $90,000 | $300,000 | $55,000 | $236,000 |
| Black or African American | 29 | $1,659,000 | $57,000 | $173,000 | $37,000 | $114,000 |
| Not Provided | 21 | $2,273,000 | $108,000 | $286,000 | $50,000 | $117,000 |
| Not applicable | 8 | $737,000 | $92,000 | $147,000 | $14,000 | $116,000 |
| Hispanic | 2 | $212,000 | $106,000 | $157,000 | $43,000 | $52,000 |
| American Indian or Alaskan Native | 1 | $77,000 | $77,000 | $77,000 | $42,000 | $42,000 |
| Asian | 1 | $83,000 | $83,000 | $83,000 | $34,000 | $34,000 |
| 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) | 255 | $20,247,000 | $79,000 | $300,000 | $53,000 | $236,000 |
| FHA-insured (Federal Housing Administration) | 97 | $10,067,000 | $103,000 | $286,000 | $51,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,068,000 | $108,000 | $265,000 | $43,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,824,000 | $121,000 | $262,000 | $49,000 | $120,000 |
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 | 167 | $12,816,000 | $76,000 | $275,000 | $54,000 | $236,000 |
| Application Denied By Financial Institution | 92 | $8,238,000 | $89,000 | $280,000 | $41,000 | $135,000 |
| Loan Purchased By The Institution | 59 | $6,452,000 | $109,000 | $261,000 | $56,000 | $140,000 |
| Application Withdrawn By Applicant | 36 | $3,915,000 | $108,000 | $300,000 | $66,000 | $168,000 |
| Application Approved But Not Accepted | 20 | $1,413,000 | $70,000 | $286,000 | $40,000 | $130,000 |
| File Closed For Incompleteness | 12 | $1,372,000 | $114,000 | $193,000 | $66,000 | $130,000 |
| 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 | 18 | $1,322,000 | $73,000 | $187,000 | $43,000 | $120,000 |
| Debt-To-Income Ratio | 12 | $816,000 | $68,000 | $164,000 | $27,000 | $93,000 |
| Collateral | 8 | $699,000 | $87,000 | $221,000 | $66,000 | $135,000 |
| Other | 5 | $603,000 | $120,000 | $176,000 | $55,000 | $77,000 |
| Credit Application Incomplete | 2 | $228,000 | $114,000 | $192,000 | $36,000 | $49,000 |
| Unverifiable Information | 1 | $151,000 | $151,000 | $151,000 | $65,000 | $65,000 |
| Employment History | 1 | $108,000 | $108,000 | $108,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 1 | $101,000 | $101,000 | $101,000 | $39,000 | $39,000 |
| 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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