Lamar County, AL Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 270 mortgage applications in Lamar County, AL totaling $21.4 million, down 16% from 2017. The average application was for $79,000, and applicants reported an average income of $63,000. 51% of applications resulted in an originated loan and 27% were denied. The most active lender was First State Bank of the South, Inc., with 23 applications, followed by First National Bank and 21st Mortgage.
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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 | 270 |
| Total Mortgage Loan Application Amount | $21,430,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $238,000 |
* 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 |
* | $ 99,948,000 | 23 | $ 1,105,000 |
| First National Bank 341 MILITARY STREET SOUTH HAMILTON, AL 35570 |
* | $ 293,520,000 | 23 | $ 955,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 17 | $ 945,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 16 | $ 1,150,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 15 | $ 945,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 12 | $ 910,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 601,416,000 | 12 | $ 450,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 9,805,580,000 | 9 | $ 895,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 825,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 776,286,000 | 7 | $ 465,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 722,208,000 | 6 | $ 570,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 15,308,454,000 | 6 | $ 920,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 6 | $ 370,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 1,040,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 465,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 390,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 4 | $ 170,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 375,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 3 | $ 255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 3 | $ 355,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 3 | $ 225,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 245,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 220,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 2 | $ 60,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 210,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 90,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 170,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 420,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ -1,000 | 2 | $ 150,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 180,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 927,259,000 | 2 | $ 340,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,795,627,000 | 2 | $ 300,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 957,533,000 | 2 | $ 250,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 155,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 524,869,000 | 1 | $ 55,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 275,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 413,653,000 | 1 | $ 15,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 115,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 115,000 |
| Acu P.O. BOX 923028 PEACHTREE CORNERS, GA 30092 |
* | $ 1,533,523,000 | 1 | $ 15,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ -1,000 | 1 | $ 75,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 55,000 |
| Jefferson Financial Federal Credit Union BILOXI, MS 39531 |
* | $ 888,870,000 | 1 | $ 155,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 65,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 260,106,000 | 1 | $ 215,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 25,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 10,932,664,000 | 1 | $ 85,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,107,765,000 | 1 | $ 55,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 75,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 1 | $ 75,000 |
| First National Bank of Middle Tennessee 200 E MAIN ST MCMINNVILLE, TN 37110 |
* | $ 490,414,000 | 1 | $ 85,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 135,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 75,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 255,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 85,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 145,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 85,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 45,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 15,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 75,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 105,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2018 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 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 135 | $11,135,000 | $82,000 | $335,000 | $58,000 | $238,000 |
| Cash-out Refinancing | 54 | $4,120,000 | $76,000 | $275,000 | $67,000 | $158,000 |
| Refinancing | 42 | $4,320,000 | $102,000 | $225,000 | $65,000 | $200,000 |
| Home Improvement | 21 | $925,000 | $44,000 | $205,000 | $69,000 | $175,000 |
| Other Purpose | 11 | $585,000 | $53,000 | $175,000 | $76,000 | $175,000 |
| Not Applicable | 7 | $345,000 | $49,000 | $155,000 | $51,000 | $51,000 |
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 | 211 | $17,075,000 | $80,000 | $335,000 | $63,000 | $238,000 |
| Not Provided | 22 | $1,790,000 | $81,000 | $155,000 | $72,000 | $175,000 |
| Not applicable | 18 | $1,620,000 | $90,000 | $225,000 | $51,000 | $51,000 |
| Black or African American | 18 | $900,000 | $50,000 | $115,000 | $49,000 | $101,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $54,000 | $54,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 205 | $15,455,000 | $75,000 | $335,000 | $64,000 | $238,000 |
| FHA-insured (Federal Housing Administration) | 37 | $3,005,000 | $81,000 | $155,000 | $57,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,610,000 | $89,000 | $145,000 | $52,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,360,000 | $136,000 | $255,000 | $63,000 | $105,000 |
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 | 139 | $10,905,000 | $78,000 | $335,000 | $68,000 | $200,000 |
| Application Denied By Financial Institution | 72 | $5,210,000 | $72,000 | $215,000 | $51,000 | $175,000 |
| Loan Purchased By The Institution | 22 | $2,120,000 | $96,000 | $225,000 | $73,000 | $117,000 |
| Application Withdrawn By Applicant | 17 | $1,505,000 | $88,000 | $275,000 | $64,000 | $148,000 |
| File Closed For Incompleteness | 11 | $1,045,000 | $95,000 | $275,000 | $71,000 | $238,000 |
| Application Approved But Not Accepted | 9 | $645,000 | $71,000 | $85,000 | $57,000 | $85,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 197 | $16,165,000 | $82,000 | $335,000 | $68,000 | $238,000 |
| Credit History | 41 | $2,835,000 | $69,000 | $215,000 | $49,000 | $175,000 |
| Collateral | 15 | $905,000 | $60,000 | $105,000 | $53,000 | $119,000 |
| Credit Application Incomplete | 5 | $555,000 | $111,000 | $125,000 | $81,000 | $169,000 |
| Debt-To-Income Ratio | 5 | $345,000 | $69,000 | $115,000 | $46,000 | $61,000 |
| Other | 3 | $285,000 | $95,000 | $115,000 | $39,000 | $44,000 |
| Unverifiable Information | 2 | $120,000 | $60,000 | $85,000 | $52,000 | $59,000 |
| Employment History | 2 | $220,000 | $110,000 | $175,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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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