Lamar County, AL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 393 mortgage applications in Lamar County, AL totaling $41.6 million, up 18% from 2019. The average application was for $105,000, and applicants reported an average income of $100,000. 46% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 60 applications, followed by First National Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 393 |
| Total Mortgage Loan Application Amount | $41,595,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $495,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $9,999,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 60 | $ 4,480,000 |
| First National Bank 341 MILITARY STREET SOUTH HAMILTON, AL 35570 |
* | $ 295,787,000 | 25 | $ 2,065,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 23 | $ 1,975,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 19 | $ 1,665,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 13 | $ 1,485,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 13 | $ 1,515,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 12 | $ 730,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 11 | $ 1,285,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 9 | $ 1,325,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 8 | $ 1,530,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 8 | $ 1,300,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 837,096,000 | 7 | $ 985,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 1,205,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 644,050,000 | 7 | $ 685,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 7 | $ 465,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 7 | $ 955,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 6 | $ 140,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ 630,401,000 | 6 | $ 480,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 450,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 6 | $ 710,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 1,278,148,000 | 6 | $ 1,090,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 490,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 5 | $ 735,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 4 | $ 160,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 510,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 510,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 4 | $ 500,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 939,531,000 | 4 | $ 470,000 |
| First National Bank of Middle Tennessee 200 E MAIN ST MCMINNVILLE, TN 37110 |
* | $ 534,265,000 | 3 | $ 735,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 382,838,000 | 3 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 130,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 92,657,948,000 | 2 | $ 310,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 490,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 493,429,000 | 2 | $ 200,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 220,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 260,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,495,944,000 | 2 | $ 130,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 132,336,000 | 2 | $ 270,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 2 | $ 150,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 310,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 270,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 440,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 150,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,712,795,000 | 2 | $ 550,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 95,000 |
| Tampa Bay Federal Credit Union PO BOX 7492 TAMPA, FL 33603 |
* | $ 321,876,000 | 1 | $ 45,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ -1,000 | 1 | $ 215,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 115,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 17,778,013,000 | 1 | $ 45,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 75,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 195,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 315,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 85,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 215,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ -1,000 | 1 | $ 5,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 2,675,632,000 | 1 | $ 95,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 105,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ 1,735,234,000 | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 335,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 25,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 95,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 75,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ -1,000 | 1 | $ 115,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,259,650,000 | 1 | $ 55,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,898,751,000 | 1 | $ 15,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 25,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 195,000 |
The tables below break down 2020 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 2020
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 | 214 | $21,160,000 | $98,000 | $495,000 | $104,000 | $9,999,000 |
| Refinancing | 97 | $12,455,000 | $128,000 | $435,000 | $118,000 | $2,400,000 |
| Cash-out Refinancing | 48 | $5,990,000 | $124,000 | $315,000 | $79,000 | $190,000 |
| Other Purpose | 20 | $1,300,000 | $65,000 | $185,000 | $54,000 | $128,000 |
| Home Improvement | 12 | $500,000 | $41,000 | $95,000 | $49,000 | $93,000 |
| Not Applicable | 2 | $190,000 | $95,000 | $145,000 | $0 | $0 |
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 | 292 | $29,940,000 | $102,000 | $495,000 | $111,000 | $9,999,000 |
| Not Provided | 45 | $5,595,000 | $124,000 | $345,000 | $69,000 | $190,000 |
| Not applicable | 28 | $3,990,000 | $142,000 | $425,000 | $65,000 | $120,000 |
| Black or African American | 24 | $1,650,000 | $68,000 | $215,000 | $38,000 | $72,000 |
| Hispanic | 3 | $375,000 | $125,000 | $195,000 | $60,000 | $97,000 |
| Asian | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 311 | $32,675,000 | $105,000 | $495,000 | $75,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 39 | $4,135,000 | $106,000 | $265,000 | $366,000 | $9,999,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $1,980,000 | $90,000 | $215,000 | $41,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,805,000 | $133,000 | $335,000 | $69,000 | $100,000 |
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 | 180 | $19,090,000 | $106,000 | $425,000 | $81,000 | $2,400,000 |
| Application Denied By Financial Institution | 91 | $8,555,000 | $94,000 | $245,000 | $51,000 | $180,000 |
| Application Withdrawn By Applicant | 45 | $6,355,000 | $141,000 | $495,000 | $314,000 | $9,999,000 |
| File Closed For Incompleteness | 33 | $2,595,000 | $78,000 | $165,000 | $60,000 | $175,000 |
| Loan Purchased By The Institution | 28 | $3,810,000 | $136,000 | $355,000 | $65,000 | $120,000 |
| Application Approved But Not Accepted | 16 | $1,190,000 | $74,000 | $185,000 | $99,000 | $900,000 |
| 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 | 292 | $32,210,000 | $110,000 | $495,000 | $117,000 | $9,999,000 |
| Credit History | 47 | $3,785,000 | $80,000 | $215,000 | $48,000 | $180,000 |
| Debt-To-Income Ratio | 23 | $2,435,000 | $105,000 | $425,000 | $46,000 | $98,000 |
| Credit Application Incomplete | 8 | $1,040,000 | $130,000 | $195,000 | $67,000 | $112,000 |
| Other | 8 | $760,000 | $95,000 | $165,000 | $63,000 | $133,000 |
| Unverifiable Information | 6 | $580,000 | $96,000 | $185,000 | $43,000 | $79,000 |
| Collateral | 6 | $530,000 | $88,000 | $205,000 | $54,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $255,000 | $85,000 | $145,000 | $79,000 | $105,000 |
| Mortgage Insurance Denied | 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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