Cis Financial Services, Inc. Mortgage Lending & HMDA Data, 2021

In 2021, Cis Financial Services, Inc. of Hamilton, AL reported 1,856 mortgage applications totaling $318.8 million, down 38% from 2020. The average application was for $171,761, and applicants reported an average income of $70,768. 28% of its applications resulted in an originated loan and 44% were denied. Its largest markets were Florence-Muscle Shoals, AL (107), Hickory-Lenoir-Morganton, NC (51) and Orlando-Kissimmee-Sanford, FL (48) (applications in parentheses).

Mortgage Company & Address Cis Financial Services, Inc.
851 Military Street N
Hamilton, AL 35570
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  
Total Number of Mortgage Applications 1,856
Total Mortgage Loan Application Amount $318,790,000
Average Mortgage Loan Application Amount $171,761
Highest Mortgage Loan Application Amount $905,000
Average Applicant Income $70,768
Highest Applicant Income $3,930,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cis Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Cis Financial Services, Inc. by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Marion, Alabama 123 $ 15,485,000 $ 125,894 $ 105,000
Colbert, Alabama 73 $ 12,875,000 $ 176,369 $ 68,000
Lee, Mississippi 62 $ 8,940,000 $ 144,193 $ 68,000
Los Angeles, California 43 $ 17,825,000 $ 414,534 $ 95,000
Polk, Florida 42 $ 8,280,000 $ 197,142 $ 100,000
Franklin, Alabama 34 $ 5,130,000 $ 150,882 $ 68,000
Lauderdale, Alabama 34 $ 5,670,000 $ 166,764 $ 58,000
Tuscaloosa, Alabama 33 $ 5,345,000 $ 161,969 $ 52,000
Catawba, North Carolina 33 $ 5,675,000 $ 171,969 $ 65,000
Winston, Alabama 28 $ 4,190,000 $ 149,642 $ 68,000
Orange, California 23 $ 10,005,000 $ 435,000 $ 134,000
Orange, Florida 23 $ 4,385,000 $ 190,652 $ 67,000
Walker, Alabama 21 $ 2,855,000 $ 135,952 $ 58,000
San Bernardino, California 21 $ 5,325,000 $ 253,571 $ 79,000
Morgan, Alabama 19 $ 2,885,000 $ 151,842 $ 57,000
Pinellas, Florida 19 $ 1,345,000 $ 70,789 $ 45,000
Cullman, Alabama 17 $ 2,665,000 $ 156,764 $ 64,000
Lawrence, Alabama 16 $ 2,440,000 $ 152,500 $ 70,000
Riverside, California 16 $ 4,790,000 $ 299,375 $ 47,000
Brevard, Florida 16 $ 3,550,000 $ 221,875 $ 49,000
Hillsborough, Florida 16 $ 1,770,000 $ 110,625 $ 55,000
Itawamba, Mississippi 16 $ 1,700,000 $ 106,250 $ 47,000
Baldwin, Alabama 15 $ 2,895,000 $ 193,000 $ 82,000
Fayette, Alabama 15 $ 1,605,000 $ 107,000 $ 47,000
Ouachita, Louisiana 15 $ 1,865,000 $ 124,333 $ 55,000
Jefferson, Alabama 14 $ 2,860,000 $ 204,285 $ 121,000
Lamar, Alabama 14 $ 2,170,000 $ 155,000 $ 74,000
Madison, Alabama 11 $ 2,195,000 $ 199,545 $ 60,000
Calcasieu, Louisiana 11 $ 1,095,000 $ 99,545 $ 54,000
Livingston, Louisiana 11 $ 1,225,000 $ 111,363 $ 57,000
Pickens, Alabama 10 $ 1,140,000 $ 114,000 $ 55,000
Talladega, Alabama 10 $ 1,270,000 $ 127,000 $ 47,000
Lake, Florida 10 $ 2,760,000 $ 276,000 $ 102,000
Osceola, Florida 10 $ 3,410,000 $ 341,000 $ 259,000
Lafayette, Mississippi 10 $ 2,500,000 $ 250,000 $ 84,000
Marshall, Mississippi 10 $ 1,520,000 $ 152,000 $ 57,000
Limestone, Alabama 9 $ 955,000 $ 106,111 $ 63,000
Pasco, Florida 9 $ 1,095,000 $ 121,666 $ 40,000
Caldwell, North Carolina 9 $ 1,275,000 $ 141,666 $ 48,000
Horry, South Carolina 9 $ 865,000 $ 96,111 $ 44,000
Shelby, Tennessee 9 $ 1,875,000 $ 208,333 $ 65,000
Alameda, California 8 $ 3,070,000 $ 383,750 $ 133,000
Caddo, Louisiana 8 $ 850,000 $ 106,250 $ 31,000
Monroe, Mississippi 8 $ 980,000 $ 122,500 $ 58,000
Pontotoc, Mississippi 8 $ 1,160,000 $ 145,000 $ 56,000
Burke, North Carolina 8 $ 1,260,000 $ 157,500 $ 47,000
Lincoln, North Carolina 8 $ 1,340,000 $ 167,500 $ 78,000
San Diego, California 7 $ 1,935,000 $ 276,428 $ 96,000
Columbia, Florida 7 $ 985,000 $ 140,714 $ 56,000
Volusia, Florida 7 $ 1,225,000 $ 175,000 $ 40,000
Panola, Mississippi 7 $ 985,000 $ 140,714 $ 60,000
Prentiss, Mississippi 7 $ 965,000 $ 137,857 $ 57,000
Tate, Mississippi 7 $ 1,225,000 $ 175,000 $ 63,000
Tishomingo, Mississippi 7 $ 975,000 $ 139,285 $ 49,000
Iredell, North Carolina 7 $ 1,225,000 $ 175,000 $ 28,000
Blount, Alabama 6 $ 1,120,000 $ 186,666 $ 60,000
Shelby, Alabama 6 $ 1,220,000 $ 203,333 $ 83,000
Santa Clara, California 6 $ 1,470,000 $ 245,000 $ 104,000
Hopkins, Kentucky 6 $ 550,000 $ 91,666 $ 44,000
Marshall, Kentucky 6 $ 620,000 $ 103,333 $ 68,000
Beauregard, Louisiana 6 $ 930,000 $ 155,000 $ 90,000
Midland, Texas 6 $ 850,000 $ 141,666 $ 69,000
Bibb, Alabama 5 $ 755,000 $ 151,000 $ 60,000
Marshall, Alabama 5 $ 955,000 $ 191,000 $ 84,000
St. Clair, Alabama 5 $ 695,000 $ 139,000 $ 57,000
Jefferson, Arkansas 5 $ 615,000 $ 123,000 $ 67,000
White, Arkansas 5 $ 575,000 $ 115,000 $ 71,000
Seminole, Florida 5 $ 725,000 $ 145,000 $ 77,000
Brantley, Georgia 5 $ 785,000 $ 157,000 $ 83,000
Bulloch, Georgia 5 $ 925,000 $ 185,000 $ 48,000
Wayne, Georgia 5 $ 525,000 $ 105,000 $ 58,000
Ohio, Kentucky 5 $ 385,000 $ 77,000 $ 35,000
Acadia, Louisiana 5 $ 645,000 $ 129,000 $ 54,000
Alcorn, Mississippi 5 $ 665,000 $ 133,000 $ 27,000
Chickasaw, Mississippi 5 $ 605,000 $ 121,000 $ 64,000
Union, Mississippi 5 $ 975,000 $ 195,000 $ 54,000
Wake, North Carolina 5 $ 1,455,000 $ 291,000 $ 103,000
Rutherford, Tennessee 5 $ 1,655,000 $ 331,000 $ 62,000
Travis, Texas 5 $ 535,000 $ 107,000 $ 76,000
Montgomery, Alabama 4 $ 570,000 $ 142,500 $ 74,000
Lonoke, Arkansas 4 $ 460,000 $ 115,000 $ 81,000
Contra Costa, California 4 $ 1,070,000 $ 267,500 $ 99,000
Sacramento, California 4 $ 1,320,000 $ 330,000 $ 49,000
Broward, Florida 4 $ 290,000 $ 72,500 $ 74,000
Hernando, Florida 4 $ 690,000 $ 172,500 $ 51,000
Palm Beach, Florida 4 $ 640,000 $ 160,000 $ 56,000
Suwannee, Florida 4 $ 550,000 $ 137,500 $ 42,000
Appling, Georgia 4 $ 400,000 $ 100,000 $ 80,000
Henderson, Kentucky 4 $ 260,000 $ 65,000 $ 48,000
Allen, Louisiana 4 $ 600,000 $ 150,000 $ 63,000
Jefferson Davis, Louisiana 4 $ 480,000 $ 120,000 $ 49,000
Lincoln, Louisiana 4 $ 450,000 $ 112,500 $ 55,000
St. Landry, Louisiana 4 $ 500,000 $ 125,000 $ 58,000
St. Martin, Louisiana 4 $ 670,000 $ 167,500 $ 44,000
Terrebonne, Louisiana 4 $ 530,000 $ 132,500 $ 70,000
Clarke, Mississippi 4 $ 520,000 $ 130,000 $ 38,000
DeSoto, Mississippi 4 $ 650,000 $ 162,500 $ 72,000
Harrison, Mississippi 4 $ 400,000 $ 100,000 $ 48,000
Lauderdale, Mississippi 4 $ 480,000 $ 120,000 $ 51,000
Marion, Mississippi 4 $ 510,000 $ 127,500 $ 61,000
Webster, Mississippi 4 $ 720,000 $ 180,000 $ 52,000
Davidson, Tennessee 4 $ 1,250,000 $ 312,500 $ 82,000
Tipton, Tennessee 4 $ 770,000 $ 192,500 $ 50,000
Collin, Texas 4 $ 1,680,000 $ 420,000 $ 136,000
Galveston, Texas 4 $ 930,000 $ 232,500 $ 84,000
Harris, Texas 4 $ 620,000 $ 155,000 $ 66,000
Fairfax, Virginia 4 $ 2,060,000 $ 515,000 $ 249,000
Marengo, Alabama 3 $ 405,000 $ 135,000 $ 64,000
Ashley, Arkansas 3 $ 335,000 $ 111,666 $ 68,000
Columbia, Arkansas 3 $ 745,000 $ 248,333 $ 160,000
Sharp, Arkansas 3 $ 155,000 $ 51,666 $ 45,000
Kern, California 3 $ 975,000 $ 325,000 $ 0
Ventura, California 3 $ 1,235,000 $ 411,666 $ 96,000
Alachua, Florida 3 $ 465,000 $ 155,000 $ 61,000
Duval, Florida 3 $ 495,000 $ 165,000 $ 55,000
Highlands, Florida 3 $ 575,000 $ 191,666 $ 76,000
Manatee, Florida 3 $ 845,000 $ 281,666 $ 95,000
Miami-Dade, Florida 3 $ 945,000 $ 315,000 $ 20,000
Nassau, Florida 3 $ 445,000 $ 148,333 $ 47,000
Sarasota, Florida 3 $ 425,000 $ 141,666 $ 102,000
Camden, Georgia 3 $ 385,000 $ 128,333 $ 56,000
Columbia, Georgia 3 $ 335,000 $ 111,666 $ 58,000
Crawford, Georgia 3 $ 415,000 $ 138,333 $ 62,000
Emanuel, Georgia 3 $ 485,000 $ 161,666 $ 88,000
Laurens, Georgia 3 $ 375,000 $ 125,000 $ 61,000
Peach, Georgia 3 $ 375,000 $ 125,000 $ 62,000
Pierce, Georgia 3 $ 325,000 $ 108,333 $ 55,000
Rock Island, Illinois 3 $ 135,000 $ 45,000 $ 32,000
Daviess, Kentucky 3 $ 415,000 $ 138,333 $ 88,000
McCracken, Kentucky 3 $ 585,000 $ 195,000 $ 52,000
La Salle, Louisiana 3 $ 215,000 $ 71,666 $ 44,000
Lafayette, Louisiana 3 $ 295,000 $ 98,333 $ 72,000
Union, Louisiana 3 $ 215,000 $ 71,666 $ 34,000
Kemper, Mississippi 3 $ 295,000 $ 98,333 $ 103,000
Noxubee, Mississippi 3 $ 425,000 $ 141,666 $ 46,000
Pike, Mississippi 3 $ 435,000 $ 145,000 $ 96,000
Tippah, Mississippi 3 $ 425,000 $ 141,666 $ 23,000
Cabarrus, North Carolina 3 $ 915,000 $ 305,000 $ 117,000
Gaston, North Carolina 3 $ 445,000 $ 148,333 $ 66,000
Johnston, North Carolina 3 $ 705,000 $ 235,000 $ 78,000
Mecklenburg, North Carolina 3 $ 825,000 $ 275,000 $ 63,000
Richmond, North Carolina 3 $ 275,000 $ 91,666 $ 23,000
Creek, Oklahoma 3 $ 445,000 $ 148,333 $ 60,000
Monroe, Pennsylvania 3 $ 325,000 $ 108,333 $ 73,000
Bedford, Tennessee 3 $ 935,000 $ 311,666 $ 66,000
Ector, Texas 3 $ 365,000 $ 121,666 $ 38,000
El Paso, Texas 3 $ 395,000 $ 131,666 $ 115,000
Fort Bend, Texas 3 $ 745,000 $ 248,333 $ 103,000
Autauga, Alabama 2 $ 180,000 $ 90,000 $ 26,000
Cherokee, Alabama 2 $ 450,000 $ 225,000 $ 112,000
DeKalb, Alabama 2 $ 170,000 $ 85,000 $ 35,000
Etowah, Alabama 2 $ 290,000 $ 145,000 $ 60,000
Houston, Alabama 2 $ 190,000 $ 95,000 $ 50,000
Mobile, Alabama 2 $ 280,000 $ 140,000 $ 38,000
Independence, Arkansas 2 $ 150,000 $ 75,000 $ 46,000
Ouachita, Arkansas 2 $ 170,000 $ 85,000 $ 72,000
Pulaski, Arkansas 2 $ 200,000 $ 100,000 $ 53,000
Randolph, Arkansas 2 $ 190,000 $ 95,000 $ 94,000
Union, Arkansas 2 $ 140,000 $ 70,000 $ 31,000
Fresno, California 2 $ 490,000 $ 245,000 $ 144,000
Placer, California 2 $ 810,000 $ 405,000 $ 0
San Joaquin, California 2 $ 880,000 $ 440,000 $ 0
Clay, Florida 2 $ 270,000 $ 135,000 $ 36,000
Gadsden, Florida 2 $ 240,000 $ 120,000 $ 31,000
Gilchrist, Florida 2 $ 260,000 $ 130,000 $ 36,000
Lee, Florida 2 $ 480,000 $ 240,000 $ 60,000
Leon, Florida 2 $ 340,000 $ 170,000 $ 80,000
Okeechobee, Florida 2 $ 380,000 $ 190,000 $ 85,000
St. Lucie, Florida 2 $ 390,000 $ 195,000 $ 112,000
Sumter, Florida 2 $ 340,000 $ 170,000 $ 88,000
Barrow, Georgia 2 $ 410,000 $ 205,000 $ 26,000
Burke, Georgia 2 $ 320,000 $ 160,000 $ 57,000
Candler, Georgia 2 $ 230,000 $ 115,000 $ 63,000
Carroll, Georgia 2 $ 410,000 $ 205,000 $ 48,000
Chatham, Georgia 2 $ 360,000 $ 180,000 $ 82,000
Decatur, Georgia 2 $ 260,000 $ 130,000 $ 128,000
DeKalb, Georgia 2 $ 320,000 $ 160,000 $ 50,000
Effingham, Georgia 2 $ 320,000 $ 160,000 $ 125,000
Irwin, Georgia 2 $ 260,000 $ 130,000 $ 66,000
Jeff Davis, Georgia 2 $ 390,000 $ 195,000 $ 129,000
Troup, Georgia 2 $ 170,000 $ 85,000 $ 22,000
Twiggs, Georgia 2 $ 350,000 $ 175,000 $ 128,000
Worth, Georgia 2 $ 260,000 $ 130,000 $ 91,000
Carlisle, Kentucky 2 $ 340,000 $ 170,000 $ 64,000
Jefferson, Kentucky 2 $ 210,000 $ 105,000 $ 68,000
Livingston, Kentucky 2 $ 180,000 $ 90,000 $ 131,000
Muhlenberg, Kentucky 2 $ 40,000 $ 20,000 $ 34,000
Todd, Kentucky 2 $ 210,000 $ 105,000 $ 70,000
Webster, Kentucky 2 $ 90,000 $ 45,000 $ 36,000
East Carroll, Louisiana 2 $ 170,000 $ 85,000 $ 20,000
Evangeline, Louisiana 2 $ 240,000 $ 120,000 $ 78,000
Lafourche, Louisiana 2 $ 240,000 $ 120,000 $ 107,000
Richland, Louisiana 2 $ 310,000 $ 155,000 $ 87,000
St. Tammany, Louisiana 2 $ 270,000 $ 135,000 $ 82,000
Tangipahoa, Louisiana 2 $ 200,000 $ 100,000 $ 46,000
West Carroll, Louisiana 2 $ 160,000 $ 80,000 $ 67,000
Charles, Maryland 2 $ 430,000 $ 215,000 $ 73,000
Howard, Maryland 2 $ 530,000 $ 265,000 $ 0
Calhoun, Michigan 2 $ 210,000 $ 105,000 $ 39,000
Adams, Mississippi 2 $ 270,000 $ 135,000 $ 116,000
Coahoma, Mississippi 2 $ 230,000 $ 115,000 $ 52,000
Forrest, Mississippi 2 $ 360,000 $ 180,000 $ 28,000
Greene, Mississippi 2 $ 160,000 $ 80,000 $ 41,000
Lowndes, Mississippi 2 $ 350,000 $ 175,000 $ 37,000
Neshoba, Mississippi 2 $ 140,000 $ 70,000 $ 27,000
Oktibbeha, Mississippi 2 $ 260,000 $ 130,000 $ 71,000
Pearl River, Mississippi 2 $ 250,000 $ 125,000 $ 71,000
Simpson, Mississippi 2 $ 330,000 $ 165,000 $ 96,000
Tallahatchie, Mississippi 2 $ 230,000 $ 115,000 $ 54,000
Winston, Mississippi 2 $ 220,000 $ 110,000 $ 41,000
Moore, North Carolina 2 $ 310,000 $ 155,000 $ 89,000
Rowan, North Carolina 2 $ 390,000 $ 195,000 $ 60,000
Delaware, Oklahoma 2 $ 490,000 $ 245,000 $ 76,000
Love, Oklahoma 2 $ 290,000 $ 145,000 $ 114,000
Muskogee, Oklahoma 2 $ 210,000 $ 105,000 $ 54,000
Mercer, Pennsylvania 2 $ 190,000 $ 95,000 $ 29,000
Northampton, Pennsylvania 2 $ 170,000 $ 85,000 $ 66,000
Dyer, Tennessee 2 $ 270,000 $ 135,000 $ 73,000
Fayette, Tennessee 2 $ 440,000 $ 220,000 $ 109,000
Giles, Tennessee 2 $ 210,000 $ 105,000 $ 65,000
White, Tennessee 2 $ 450,000 $ 225,000 $ 69,000
Williamson, Tennessee 2 $ 1,250,000 $ 625,000 $ 76,000
Wilson, Tennessee 2 $ 150,000 $ 75,000 $ 42,000
Angelina, Texas 2 $ 430,000 $ 215,000 $ 40,000
Cherokee, Texas 2 $ 200,000 $ 100,000 $ 59,000
Harrison, Texas 2 $ 270,000 $ 135,000 $ 54,000
Henderson, Texas 2 $ 350,000 $ 175,000 $ 81,000
Montgomery, Texas 2 $ 290,000 $ 145,000 $ 116,000
Pecos, Texas 2 $ 430,000 $ 215,000 $ 86,000
Smith, Texas 2 $ 290,000 $ 145,000 $ 144,000
Tarrant, Texas 2 $ 560,000 $ 280,000 $ 99,000
Taylor, Texas 2 $ 340,000 $ 170,000 $ 129,000
Virginia Beach, Virginia 2 $ 750,000 $ 375,000 $ 148,000
Chambers, Alabama 1 $ 105,000 $ 105,000 $ 59,000
Choctaw, Alabama 1 $ 155,000 $ 155,000 $ 88,000
Clarke, Alabama 1 $ 95,000 $ 95,000 $ 82,000
Coffee, Alabama 1 $ 175,000 $ 175,000 $ 43,000
Covington, Alabama 1 $ 165,000 $ 165,000 $ 98,000
Dallas, Alabama 1 $ 145,000 $ 145,000 $ 29,000
Elmore, Alabama 1 $ 455,000 $ 455,000 $ 370,000
Escambia, Alabama 1 $ 55,000 $ 55,000 $ 69,000
Geneva, Alabama 1 $ 115,000 $ 115,000 $ 60,000
Greene, Alabama 1 $ 65,000 $ 65,000 $ 39,000
Hale, Alabama 1 $ 145,000 $ 145,000 $ 122,000
Jackson, Alabama 1 $ 65,000 $ 65,000 $ 31,000
Lee, Alabama 1 $ 155,000 $ 155,000 $ 39,000
Perry, Alabama 1 $ 115,000 $ 115,000 $ 55,000
Randolph, Alabama 1 $ 165,000 $ 165,000 $ 89,000
Sumter, Alabama 1 $ 115,000 $ 115,000 $ 112,000
Tallapoosa, Alabama 1 $ 145,000 $ 145,000 $ 26,000
Arkansas, Arkansas 1 $ 165,000 $ 165,000 $ 42,000
Baxter, Arkansas 1 $ 175,000 $ 175,000 $ 96,000
Boone, Arkansas 1 $ 65,000 $ 65,000 $ 37,000
Bradley, Arkansas 1 $ 105,000 $ 105,000 $ 74,000
Chicot, Arkansas 1 $ 105,000 $ 105,000 $ 48,000
Clay, Arkansas 1 $ 185,000 $ 185,000 $ 96,000
Craighead, Arkansas 1 $ 175,000 $ 175,000 $ 118,000
Drew, Arkansas 1 $ 85,000 $ 85,000 $ 43,000
Faulkner, Arkansas 1 $ 125,000 $ 125,000 $ 61,000
Fulton, Arkansas 1 $ 85,000 $ 85,000 $ 132,000
Hot Spring, Arkansas 1 $ 85,000 $ 85,000 $ 46,000
Jackson, Arkansas 1 $ 105,000 $ 105,000 $ 78,000
Newton, Arkansas 1 $ 65,000 $ 65,000 $ 37,000
Perry, Arkansas 1 $ 55,000 $ 55,000 $ 29,000
Pope, Arkansas 1 $ 85,000 $ 85,000 $ 42,000
Prairie, Arkansas 1 $ 105,000 $ 105,000 $ 30,000
St. Francis, Arkansas 1 $ 185,000 $ 185,000 $ 68,000
Washington, Arkansas 1 $ 195,000 $ 195,000 $ 57,000
Yell, Arkansas 1 $ 55,000 $ 55,000 $ 73,000
Humboldt, California 1 $ 265,000 $ 265,000 $ 70,000
Monterey, California 1 $ 285,000 $ 285,000 $ 132,000
Napa, California 1 $ 285,000 $ 285,000 $ 90,000
Nevada, California 1 $ 105,000 $ 105,000 $ 30,000
Sonoma, California 1 $ 405,000 $ 405,000 $ 123,000
Stanislaus, California 1 $ 95,000 $ 95,000 $ 60,000
Calhoun, Florida 1 $ 75,000 $ 75,000 $ 78,000
Citrus, Florida 1 $ 35,000 $ 35,000 $ 67,000
Collier, Florida 1 $ 545,000 $ 545,000 $ 80,000
DeSoto, Florida 1 $ 285,000 $ 285,000 $ 72,000
Dixie, Florida 1 $ 145,000 $ 145,000 $ 78,000
Escambia, Florida 1 $ 315,000 $ 315,000 $ 114,000
Flagler, Florida 1 $ 275,000 $ 275,000 $ 51,000
Jefferson, Florida 1 $ 265,000 $ 265,000 $ 39,000
Levy, Florida 1 $ 145,000 $ 145,000 $ 49,000
Madison, Florida 1 $ 345,000 $ 345,000 $ 168,000
Marion, Florida 1 $ 95,000 $ 95,000 $ 0
Martin, Florida 1 $ 55,000 $ 55,000 $ 50,000
Putnam, Florida 1 $ 145,000 $ 145,000 $ 93,000
Santa Rosa, Florida 1 $ 175,000 $ 175,000 $ 41,000
St. Johns, Florida 1 $ 145,000 $ 145,000 $ 43,000
Union, Florida 1 $ 205,000 $ 205,000 $ 75,000
Walton, Florida 1 $ 195,000 $ 195,000 $ 112,000
Atkinson, Georgia 1 $ 95,000 $ 95,000 $ 28,000
Bacon, Georgia 1 $ 165,000 $ 165,000 $ 80,000
Bartow, Georgia 1 $ 185,000 $ 185,000 $ 85,000
Ben Hill, Georgia 1 $ 125,000 $ 125,000 $ 52,000
Bibb, Georgia 1 $ 145,000 $ 145,000 $ 77,000
Cherokee, Georgia 1 $ 305,000 $ 305,000 $ 93,000
Cobb, Georgia 1 $ 245,000 $ 245,000 $ 0
Coffee, Georgia 1 $ 155,000 $ 155,000 $ 91,000
Crisp, Georgia 1 $ 115,000 $ 115,000 $ 40,000
Floyd, Georgia 1 $ 75,000 $ 75,000 $ 0
Forsyth, Georgia 1 $ 235,000 $ 235,000 $ 103,000
Fulton, Georgia 1 $ 335,000 $ 335,000 $ 124,000
Gordon, Georgia 1 $ 115,000 $ 115,000 $ 31,000
Gwinnett, Georgia 1 $ 405,000 $ 405,000 $ 0
Henry, Georgia 1 $ 205,000 $ 205,000 $ 186,000
Houston, Georgia 1 $ 125,000 $ 125,000 $ 102,000
Jefferson, Georgia 1 $ 155,000 $ 155,000 $ 34,000
Jones, Georgia 1 $ 225,000 $ 225,000 $ 73,000
Lee, Georgia 1 $ 155,000 $ 155,000 $ 100,000
Liberty, Georgia 1 $ 195,000 $ 195,000 $ 60,000
Lincoln, Georgia 1 $ 185,000 $ 185,000 $ 37,000
Macon, Georgia 1 $ 75,000 $ 75,000 $ 70,000
McIntosh, Georgia 1 $ 125,000 $ 125,000 $ 24,000
Murray, Georgia 1 $ 95,000 $ 95,000 $ 0
Polk, Georgia 1 $ 105,000 $ 105,000 $ 69,000
Richmond, Georgia 1 $ 335,000 $ 335,000 $ 94,000
Sumter, Georgia 1 $ 135,000 $ 135,000 $ 71,000
Taylor, Georgia 1 $ 145,000 $ 145,000 $ 43,000
Telfair, Georgia 1 $ 115,000 $ 115,000 $ 28,000
Toombs, Georgia 1 $ 165,000 $ 165,000 $ 46,000
Treutlen, Georgia 1 $ 45,000 $ 45,000 $ 43,000
Turner, Georgia 1 $ 135,000 $ 135,000 $ 85,000
Union, Georgia 1 $ 115,000 $ 115,000 $ 39,000
Upson, Georgia 1 $ 85,000 $ 85,000 $ 0
Walton, Georgia 1 $ 505,000 $ 505,000 $ 144,000
Webster, Georgia 1 $ 105,000 $ 105,000 $ 41,000
Cook, Illinois 1 $ 185,000 $ 185,000 $ 73,000
Fayette, Illinois 1 $ 165,000 $ 165,000 $ 82,000
Franklin, Illinois 1 $ 85,000 $ 85,000 $ 33,000
Jefferson, Illinois 1 $ 145,000 $ 145,000 $ 41,000
Johnson, Illinois 1 $ 45,000 $ 45,000 $ 58,000
Massac, Illinois 1 $ 125,000 $ 125,000 $ 48,000
McHenry, Illinois 1 $ 155,000 $ 155,000 $ 0
Union, Illinois 1 $ 25,000 $ 25,000 $ 37,000
Harrison, Indiana 1 $ 175,000 $ 175,000 $ 85,000
Spencer, Indiana 1 $ 375,000 $ 375,000 $ 29,000
Warrick, Indiana 1 $ 145,000 $ 145,000 $ 70,000
Douglas, Kansas 1 $ 65,000 $ 65,000 $ 20,000
Allen, Kentucky 1 $ 105,000 $ 105,000 $ 30,000
Ballard, Kentucky 1 $ 165,000 $ 165,000 $ 67,000
Breckinridge, Kentucky 1 $ 55,000 $ 55,000 $ 30,000
Butler, Kentucky 1 $ 125,000 $ 125,000 $ 37,000
Calloway, Kentucky 1 $ 85,000 $ 85,000 $ 56,000
Christian, Kentucky 1 $ 115,000 $ 115,000 $ 44,000
Crittenden, Kentucky 1 $ 115,000 $ 115,000 $ 17,000
Edmonson, Kentucky 1 $ 185,000 $ 185,000 $ 89,000
Logan, Kentucky 1 $ 65,000 $ 65,000 $ 27,000
Madison, Kentucky 1 $ 105,000 $ 105,000 $ 81,000
McLean, Kentucky 1 $ 85,000 $ 85,000 $ 13,000
Union, Kentucky 1 $ 85,000 $ 85,000 $ 44,000
Warren, Kentucky 1 $ 115,000 $ 115,000 $ 48,000
Avoyelles, Louisiana 1 $ 115,000 $ 115,000 $ 66,000
Bienville, Louisiana 1 $ 135,000 $ 135,000 $ 66,000
Concordia, Louisiana 1 $ 45,000 $ 45,000 $ 181,000
Jackson, Louisiana 1 $ 185,000 $ 185,000 $ 60,000
Jefferson, Louisiana 1 $ 195,000 $ 195,000 $ 77,000
Pointe Coupee, Louisiana 1 $ 165,000 $ 165,000 $ 76,000
Rapides, Louisiana 1 $ 145,000 $ 145,000 $ 126,000
St. Helena, Louisiana 1 $ 105,000 $ 105,000 $ 114,000
St. Mary, Louisiana 1 $ 85,000 $ 85,000 $ 47,000
Webster, Louisiana 1 $ 105,000 $ 105,000 $ 34,000
Baltimore, Maryland 1 $ 175,000 $ 175,000 $ 0
Baltimore City, Maryland 1 $ 405,000 $ 405,000 $ 138,000
Prince George's, Maryland 1 $ 285,000 $ 285,000 $ 72,000
Washington, Maryland 1 $ 145,000 $ 145,000 $ 69,000
Genesee, Michigan 1 $ 35,000 $ 35,000 $ 34,000
Monroe, Michigan 1 $ 45,000 $ 45,000 $ 36,000
St. Clair, Michigan 1 $ 45,000 $ 45,000 $ 19,000
Amite, Mississippi 1 $ 65,000 $ 65,000 $ 69,000
Bolivar, Mississippi 1 $ 115,000 $ 115,000 $ 21,000
Franklin, Mississippi 1 $ 75,000 $ 75,000 $ 30,000
George, Mississippi 1 $ 65,000 $ 65,000 $ 152,000
Grenada, Mississippi 1 $ 135,000 $ 135,000 $ 67,000
Hancock, Mississippi 1 $ 145,000 $ 145,000 $ 54,000
Hinds, Mississippi 1 $ 95,000 $ 95,000 $ 38,000
Jackson, Mississippi 1 $ 65,000 $ 65,000 $ 0
Jasper, Mississippi 1 $ 65,000 $ 65,000 $ 32,000
Lamar, Mississippi 1 $ 155,000 $ 155,000 $ 85,000
Lincoln, Mississippi 1 $ 135,000 $ 135,000 $ 0
Madison, Mississippi 1 $ 165,000 $ 165,000 $ 4,000
Montgomery, Mississippi 1 $ 145,000 $ 145,000 $ 94,000
Perry, Mississippi 1 $ 125,000 $ 125,000 $ 52,000
Quitman, Mississippi 1 $ 75,000 $ 75,000 $ 27,000
Rankin, Mississippi 1 $ 245,000 $ 245,000 $ 78,000
Scott, Mississippi 1 $ 125,000 $ 125,000 $ 153,000
Smith, Mississippi 1 $ 95,000 $ 95,000 $ 43,000
Stone, Mississippi 1 $ 65,000 $ 65,000 $ 48,000
Tunica, Mississippi 1 $ 135,000 $ 135,000 $ 35,000
Walthall, Mississippi 1 $ 45,000 $ 45,000 $ 0
Washington, Mississippi 1 $ 365,000 $ 365,000 $ 67,000
Wayne, Mississippi 1 $ 125,000 $ 125,000 $ 46,000
Wilkinson, Mississippi 1 $ 105,000 $ 105,000 $ 91,000
Yalobusha, Mississippi 1 $ 125,000 $ 125,000 $ 60,000
Yazoo, Mississippi 1 $ 155,000 $ 155,000 $ 120,000
Buchanan, Missouri 1 $ 125,000 $ 125,000 $ 0
Mississippi, Missouri 1 $ 85,000 $ 85,000 $ 41,000
Nodaway, Missouri 1 $ 75,000 $ 75,000 $ 106,000
Scott, Missouri 1 $ 165,000 $ 165,000 $ 42,000
Middlesex, New Jersey 1 $ 235,000 $ 235,000 $ 0
Alexander, North Carolina 1 $ 175,000 $ 175,000 $ 31,000
Avery, North Carolina 1 $ 135,000 $ 135,000 $ 120,000
Caswell, North Carolina 1 $ 105,000 $ 105,000 $ 23,000
Cherokee, North Carolina 1 $ 185,000 $ 185,000 $ 121,000
Clay, North Carolina 1 $ 145,000 $ 145,000 $ 34,000
Franklin, North Carolina 1 $ 175,000 $ 175,000 $ 28,000
Henderson, North Carolina 1 $ 245,000 $ 245,000 $ 142,000
Jackson, North Carolina 1 $ 95,000 $ 95,000 $ 31,000
McDowell, North Carolina 1 $ 145,000 $ 145,000 $ 55,000
Montgomery, North Carolina 1 $ 225,000 $ 225,000 $ 55,000
New Hanover, North Carolina 1 $ 195,000 $ 195,000 $ 66,000
Onslow, North Carolina 1 $ 205,000 $ 205,000 $ 83,000
Watauga, North Carolina 1 $ 145,000 $ 145,000 $ 50,000
Wayne, North Carolina 1 $ 255,000 $ 255,000 $ 49,000
Franklin, Ohio 1 $ 45,000 $ 45,000 $ 48,000
Lorain, Ohio 1 $ 55,000 $ 55,000 $ 17,000
Medina, Ohio 1 $ 235,000 $ 235,000 $ 170,000
Cherokee, Oklahoma 1 $ 125,000 $ 125,000 $ 32,000
Craig, Oklahoma 1 $ 155,000 $ 155,000 $ 193,000
Kingfisher, Oklahoma 1 $ 115,000 $ 115,000 $ 27,000
Logan, Oklahoma 1 $ 145,000 $ 145,000 $ 60,000
Mayes, Oklahoma 1 $ 135,000 $ 135,000 $ 93,000
Okfuskee, Oklahoma 1 $ 115,000 $ 115,000 $ 73,000
Oklahoma, Oklahoma 1 $ 55,000 $ 55,000 $ 209,000
Okmulgee, Oklahoma 1 $ 135,000 $ 135,000 $ 59,000
Payne, Oklahoma 1 $ 255,000 $ 255,000 $ 126,000
Pottawatomie, Oklahoma 1 $ 165,000 $ 165,000 $ 77,000
Rogers, Oklahoma 1 $ 305,000 $ 305,000 $ 106,000
Sequoyah, Oklahoma 1 $ 135,000 $ 135,000 $ 47,000
Tulsa, Oklahoma 1 $ 115,000 $ 115,000 $ 97,000
Blair, Pennsylvania 1 $ 85,000 $ 85,000 $ 38,000
Bucks, Pennsylvania 1 $ 185,000 $ 185,000 $ 128,000
Lancaster, Pennsylvania 1 $ 185,000 $ 185,000 $ 66,000
Luzerne, Pennsylvania 1 $ 65,000 $ 65,000 $ 47,000
Montgomery, Pennsylvania 1 $ 85,000 $ 85,000 $ 58,000
Philadelphia, Pennsylvania 1 $ 385,000 $ 385,000 $ 0
York, Pennsylvania 1 $ 35,000 $ 35,000 $ 36,000
Berkeley, South Carolina 1 $ 155,000 $ 155,000 $ 52,000
Charleston, South Carolina 1 $ 195,000 $ 195,000 $ 82,000
Cherokee, South Carolina 1 $ 265,000 $ 265,000 $ 69,000
Georgetown, South Carolina 1 $ 85,000 $ 85,000 $ 40,000
Jasper, South Carolina 1 $ 75,000 $ 75,000 $ 62,000
Blount, Tennessee 1 $ 395,000 $ 395,000 $ 136,000
Dickson, Tennessee 1 $ 215,000 $ 215,000 $ 109,000
Hardeman, Tennessee 1 $ 305,000 $ 305,000 $ 230,000
Hawkins, Tennessee 1 $ 335,000 $ 335,000 $ 126,000
Henry, Tennessee 1 $ 185,000 $ 185,000 $ 77,000
Humphreys, Tennessee 1 $ 155,000 $ 155,000 $ 65,000
Jefferson, Tennessee 1 $ 165,000 $ 165,000 $ 29,000
Knox, Tennessee 1 $ 325,000 $ 325,000 $ 222,000
Lake, Tennessee 1 $ 145,000 $ 145,000 $ 63,000
Montgomery, Tennessee 1 $ 135,000 $ 135,000 $ 102,000
Morgan, Tennessee 1 $ 165,000 $ 165,000 $ 29,000
Sevier, Tennessee 1 $ 245,000 $ 245,000 $ 48,000
Smith, Tennessee 1 $ 205,000 $ 205,000 $ 41,000
Anderson, Texas 1 $ 65,000 $ 65,000 $ 92,000
Andrews, Texas 1 $ 225,000 $ 225,000 $ 83,000
Austin, Texas 1 $ 65,000 $ 65,000 $ 39,000
Bell, Texas 1 $ 125,000 $ 125,000 $ 23,000
Bexar, Texas 1 $ 75,000 $ 75,000 $ 47,000
Bowie, Texas 1 $ 215,000 $ 215,000 $ 86,000
Brazoria, Texas 1 $ 195,000 $ 195,000 $ 94,000
Cass, Texas 1 $ 115,000 $ 115,000 $ 58,000
Dallas, Texas 1 $ 255,000 $ 255,000 $ 70,000
Denton, Texas 1 $ 265,000 $ 265,000 $ 117,000
Gaines, Texas 1 $ 115,000 $ 115,000 $ 10,000
Gonzales, Texas 1 $ 75,000 $ 75,000 $ 140,000
Gregg, Texas 1 $ 205,000 $ 205,000 $ 146,000
Grimes, Texas 1 $ 55,000 $ 55,000 $ 36,000
Kaufman, Texas 1 $ 155,000 $ 155,000 $ 55,000
Kendall, Texas 1 $ 405,000 $ 405,000 $ 195,000
Lamar, Texas 1 $ 125,000 $ 125,000 $ 169,000
Lubbock, Texas 1 $ 205,000 $ 205,000 $ 166,000
Panola, Texas 1 $ 265,000 $ 265,000 $ 82,000
Rusk, Texas 1 $ 155,000 $ 155,000 $ 49,000
Tom Green, Texas 1 $ 195,000 $ 195,000 $ 100,000
Upshur, Texas 1 $ 235,000 $ 235,000 $ 94,000
Van Zandt, Texas 1 $ 105,000 $ 105,000 $ 66,000
Wood, Texas 1 $ 115,000 $ 115,000 $ 54,000
Frederick, Virginia 1 $ 365,000 $ 365,000 $ 0
Loudoun, Virginia 1 $ 495,000 $ 495,000 $ 0
Lynchburg, Virginia 1 $ 165,000 $ 165,000 $ 69,000
Prince William, Virginia 1 $ 315,000 $ 315,000 $ 0
Stafford, Virginia 1 $ 155,000 $ 155,000 $ 0
Thurston, Washington 1 $ 325,000 $ 325,000 $ 96,000
Berkeley, West Virginia 1 $ 85,000 $ 85,000 $ 98,000

Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2021

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 1,422 $216,010,000 $151,000 $905,000 $66,000 $3,930,000
Refinancing 316 $75,650,000 $239,000 $795,000 $86,000 $976,000
Cash-out Refinancing 99 $21,665,000 $218,000 $845,000 $99,000 $541,000
Not Applicable 17 $5,195,000 $305,000 $545,000 $23,000 $67,000
Home Improvement 2 $270,000 $135,000 $185,000 $63,000 $65,000
Other Purpose 0 $0 $0 $0 $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 1,203 $187,625,000 $155,000 $905,000 $72,000 $3,930,000
Black or African American 259 $38,635,000 $149,000 $675,000 $59,000 $1,010,000
Not Provided 130 $20,370,000 $156,000 $405,000 $70,000 $345,000
Not applicable 118 $48,230,000 $408,000 $825,000 $206,000 $206,000
Hispanic 107 $16,085,000 $150,000 $525,000 $72,000 $798,000
American Indian or Alaskan Native 18 $2,230,000 $123,000 $265,000 $59,000 $151,000
Asian 15 $4,465,000 $297,000 $845,000 $145,000 $541,000
Native Hawaiian or Other Pacific Islander 1 $75,000 $75,000 $75,000 $21,000 $21,000

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) 1,180 $199,910,000 $169,000 $905,000 $79,000 $3,930,000
FHA-insured (Federal Housing Administration) 575 $98,655,000 $171,000 $825,000 $55,000 $230,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 53 $8,125,000 $153,000 $305,000 $45,000 $142,000
VA-guaranteed (Veterans Administration) 48 $12,100,000 $252,000 $675,000 $77,000 $163,000

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
Application Denied By Financial Institution 819 $113,425,000 $138,000 $495,000 $64,000 $3,930,000
Loan Originated 518 $98,010,000 $189,000 $905,000 $80,000 $976,000
Application Withdrawn By Applicant 389 $57,315,000 $147,000 $475,000 $72,000 $418,000
Loan Purchased By The Institution 118 $48,230,000 $408,000 $825,000 $206,000 $206,000
File Closed For Incompleteness 11 $1,535,000 $139,000 $305,000 $71,000 $260,000
Application Approved But Not Accepted 1 $275,000 $275,000 $275,000 $48,000 $48,000
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 1,037 $205,365,000 $198,000 $905,000 $76,000 $976,000
Credit History 558 $72,850,000 $130,000 $395,000 $60,000 $1,010,000
Debt-To-Income Ratio 193 $28,505,000 $147,000 $395,000 $51,000 $152,000
Other 48 $9,130,000 $190,000 $495,000 $152,000 $3,930,000
Unverifiable Information 6 $960,000 $160,000 $235,000 $79,000 $121,000
Employment History 6 $890,000 $148,000 $215,000 $92,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 3 $375,000 $125,000 $185,000 $46,000 $66,000
Collateral 3 $345,000 $115,000 $145,000 $73,000 $120,000
Credit Application Incomplete 2 $370,000 $185,000 $275,000 $129,000 $164,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cis Financial Services, Inc.'s 2021 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 Cis Financial Services, Inc.'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.
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