Apco Employees
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Apco Employees 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Apco Employees 750 17Th Street North Birmingham, AL 35203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 775 |
| Total Mortgage Loan Application Amount | $128,035,000 |
| Average Mortgage Loan Application Amount | $148,500 |
| Highest Mortgage Loan Application Amount | $775,000 |
| Average Applicant Income | $123,666 |
| Highest Applicant Income | $2,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Apco Employees. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Apco Employees's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Apco Employees's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Apco Employees serves its applicants.
Each category highlights the total number of mortgage applications processed by Apco Employees, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Apco Employees's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Alabama | 183 | $ 36,665,000 | $ 200,000 | $ 146,000 |
| Shelby County Alabama | 109 | $ 21,895,000 | $ 200,000 | $ 154,000 |
| Walker County Alabama | 59 | $ 6,685,000 | $ 113,000 | $ 86,000 |
| Mobile County Alabama | 40 | $ 5,370,000 | $ 134,000 | $ 104,000 |
| Morgan County Alabama | 33 | $ 4,035,000 | $ 122,000 | $ 77,000 |
| Chilton County Alabama | 28 | $ 4,360,000 | $ 155,000 | $ 114,000 |
| Baldwin County Alabama | 26 | $ 5,450,000 | $ 209,000 | $ 131,000 |
| Houston County Alabama | 26 | $ 4,160,000 | $ 160,000 | $ 121,000 |
| St. Clair County Alabama | 20 | $ 3,540,000 | $ 177,000 | $ 130,000 |
| Cullman County Alabama | 19 | $ 3,005,000 | $ 158,000 | $ 86,000 |
| Marshall County Alabama | 17 | $ 1,885,000 | $ 110,000 | $ 65,000 |
| Tuscaloosa County Alabama | 14 | $ 2,780,000 | $ 198,000 | $ 156,000 |
| Blount County Alabama | 12 | $ 1,740,000 | $ 145,000 | $ 307,000 |
| Lee County Alabama | 12 | $ 2,280,000 | $ 190,000 | $ 119,000 |
| Lawrence County Alabama | 10 | $ 1,030,000 | $ 103,000 | $ 85,000 |
| Limestone County Alabama | 10 | $ 1,610,000 | $ 161,000 | $ 79,000 |
| Madison County Alabama | 10 | $ 1,350,000 | $ 135,000 | $ 88,000 |
| Clarke County Alabama | 7 | $ 675,000 | $ 96,000 | $ 73,000 |
| Etowah County Alabama | 7 | $ 1,125,000 | $ 160,000 | $ 103,000 |
| Calhoun County Alabama | 6 | $ 620,000 | $ 103,000 | $ 80,000 |
| Elmore County Alabama | 6 | $ 810,000 | $ 135,000 | $ 113,000 |
| Autauga County Alabama | 5 | $ 785,000 | $ 157,000 | $ 100,000 |
| DeKalb County Alabama | 5 | $ 275,000 | $ 55,000 | $ 72,000 |
| Jackson County Alabama | 5 | $ 605,000 | $ 121,000 | $ 78,000 |
| Cobb County Georgia | 5 | $ 1,075,000 | $ 215,000 | $ 146,000 |
| Barbour County Alabama | 4 | $ 450,000 | $ 112,000 | $ 128,000 |
| Bibb County Alabama | 4 | $ 620,000 | $ 155,000 | $ 150,000 |
| Montgomery County Alabama | 4 | $ 800,000 | $ 200,000 | $ 79,000 |
| Winston County Alabama | 4 | $ 540,000 | $ 135,000 | $ 85,000 |
| Bartow County Georgia | 4 | $ 490,000 | $ 122,000 | $ 438,000 |
| Fulton County Georgia | 4 | $ 870,000 | $ 217,000 | $ 107,000 |
| Bay County Florida | 3 | $ 445,000 | $ 148,000 | $ 229,000 |
| Paulding County Georgia | 3 | $ 445,000 | $ 148,000 | $ 78,000 |
| Coffee County Alabama | 2 | $ 330,000 | $ 165,000 | $ 99,000 |
| Colbert County Alabama | 2 | $ 190,000 | $ 95,000 | $ 62,000 |
| Covington County Alabama | 2 | $ 200,000 | $ 100,000 | $ 191,000 |
| Dale County Alabama | 2 | $ 180,000 | $ 90,000 | $ 91,000 |
| Dallas County Alabama | 2 | $ 370,000 | $ 185,000 | $ 102,000 |
| Escambia County Alabama | 2 | $ 120,000 | $ 60,000 | $ 89,000 |
| Geneva County Alabama | 2 | $ 210,000 | $ 105,000 | $ 69,000 |
| Henry County Alabama | 2 | $ 400,000 | $ 200,000 | $ 177,000 |
| Lauderdale County Alabama | 2 | $ 260,000 | $ 130,000 | $ 176,000 |
| Talladega County Alabama | 2 | $ 300,000 | $ 150,000 | $ 179,000 |
| Tallapoosa County Alabama | 2 | $ 990,000 | $ 495,000 | $ 290,000 |
| Washington County Alabama | 2 | $ 90,000 | $ 45,000 | $ 48,000 |
| Walton County Florida | 2 | $ 370,000 | $ 185,000 | $ 140,000 |
| Chatham County Georgia | 2 | $ 280,000 | $ 140,000 | $ 84,000 |
| Forsyth County Georgia | 2 | $ 260,000 | $ 130,000 | $ 190,000 |
| Cherokee County Alabama | 1 | $ 145,000 | $ 145,000 | $ 122,000 |
| Cleburne County Alabama | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Fayette County Alabama | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Franklin County Alabama | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Greene County Alabama | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Hale County Alabama | 1 | $ 165,000 | $ 165,000 | $ 173,000 |
| Marengo County Alabama | 1 | $ 95,000 | $ 95,000 | $ 93,000 |
| Monroe County Alabama | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Gulf County Florida | 1 | $ 285,000 | $ 285,000 | $ 154,000 |
| Volusia County Florida | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Bulloch County Georgia | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Columbia County Georgia | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Dade County Georgia | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| DeKalb County Georgia | 1 | $ 105,000 | $ 105,000 | $ 135,000 |
| Early County Georgia | 1 | $ 295,000 | $ 295,000 | $ 193,000 |
| Hall County Georgia | 1 | $ 115,000 | $ 115,000 | $ 160,000 |
| Morgan County Georgia | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Polk County Georgia | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Troup County Georgia | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Apco Employees 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 | 349 | $62,875,000 | $180,000 | $425,000 | $131,000 | $2,577,000 |
| Cash-out Refinancing | 179 | $28,295,000 | $158,000 | $775,000 | $116,000 | $1,565,000 |
| Refinancing | 171 | $28,105,000 | $164,000 | $425,000 | $128,000 | $2,600,000 |
| Home Improvement | 40 | $6,680,000 | $167,000 | $355,000 | $131,000 | $288,000 |
| Other Purpose | 33 | $1,555,000 | $47,000 | $105,000 | $97,000 | $259,000 |
| Not Applicable | 3 | $525,000 | $175,000 | $215,000 | $139,000 | $139,000 |
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 | 592 | $101,540,000 | $171,000 | $775,000 | $130,000 | $2,600,000 |
| Not Provided | 115 | $15,735,000 | $136,000 | $385,000 | $118,000 | $712,000 |
| Black or African American | 50 | $7,980,000 | $159,000 | $405,000 | $97,000 | $284,000 |
| Hispanic | 9 | $1,045,000 | $116,000 | $235,000 | $61,000 | $168,000 |
| Asian | 4 | $960,000 | $240,000 | $425,000 | $107,000 | $188,000 |
| American Indian or Alaskan Native | 2 | $250,000 | $125,000 | $205,000 | $81,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 775 | $128,035,000 | $165,000 | $775,000 | $125,000 | $2,600,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 625 | $110,615,000 | $176,000 | $775,000 | $135,000 | $2,600,000 |
| Application Denied By Financial Institution | 115 | $12,395,000 | $107,000 | $355,000 | $77,000 | $319,000 |
| Application Withdrawn By Applicant | 33 | $4,815,000 | $145,000 | $365,000 | $117,000 | $252,000 |
| Preapproval Denied by Financial Institution | 2 | $210,000 | $105,000 | $115,000 | $59,000 | $90,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 658 | $115,430,000 | $175,000 | $775,000 | $134,000 | $2,600,000 |
| Credit History | 72 | $6,860,000 | $95,000 | $305,000 | $74,000 | $273,000 |
| Debt-To-Income Ratio | 40 | $5,260,000 | $131,000 | $355,000 | $71,000 | $319,000 |
| Collateral | 4 | $420,000 | $105,000 | $155,000 | $159,000 | $224,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $160,000 | $160,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Apco Employees's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Apco Employees's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.