Cis Financial Services, Inc. Mortgage Lending & HMDA Data, 2023

In 2023, Cis Financial Services, Inc. of Hamilton, AL reported 4,294 mortgage applications totaling $538.7 million, up 50% from 2022. The average application was for $125,447, and applicants reported an average income of $76,192. 21% of its applications resulted in an originated loan and 40% were denied. Its largest markets were Birmingham-Hoover, AL (117), Riverside-San Bernardino-Ontario, CA (81) and Tuscaloosa, AL (77) (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 4,294
Total Mortgage Loan Application Amount $538,670,000
Average Mortgage Loan Application Amount $125,447
Highest Mortgage Loan Application Amount $615,000
Average Applicant Income $76,192
Highest Applicant Income $4,216,000

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records Cis Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Bernardino, California 58 $ 7,400,000 $ 127,586 $ 77,000
Marion, Alabama 57 $ 8,235,000 $ 144,473 $ 68,000
Tuscaloosa, Alabama 51 $ 6,645,000 $ 130,294 $ 72,000
Tangipahoa, Louisiana 42 $ 4,820,000 $ 114,761 $ 58,000
Cullman, Alabama 39 $ 5,145,000 $ 131,923 $ 68,000
Monroe, Mississippi 35 $ 4,705,000 $ 134,428 $ 60,000
Oktibbeha, Mississippi 34 $ 6,850,000 $ 201,470 $ 94,000
Pontotoc, Mississippi 33 $ 3,675,000 $ 111,363 $ 56,000
Smith, Texas 32 $ 3,420,000 $ 106,875 $ 69,000
Talladega, Alabama 31 $ 4,135,000 $ 133,387 $ 67,000
Walker, Alabama 31 $ 4,125,000 $ 133,064 $ 79,000
Lowndes, Mississippi 29 $ 4,805,000 $ 165,689 $ 123,000
St. Clair, Alabama 28 $ 4,210,000 $ 150,357 $ 73,000
Union, Arkansas 28 $ 2,830,000 $ 101,071 $ 80,000
Santa Clara, California 28 $ 6,860,000 $ 245,000 $ 125,000
Lawrence, Alabama 26 $ 3,860,000 $ 148,461 $ 68,000
Jefferson, Alabama 25 $ 4,015,000 $ 160,600 $ 105,000
Los Angeles, California 25 $ 4,805,000 $ 192,200 $ 90,000
Rapides, Louisiana 25 $ 2,965,000 $ 118,600 $ 83,000
Ouachita, Louisiana 24 $ 2,250,000 $ 93,750 $ 47,000
Erie, Ohio 24 $ 2,140,000 $ 89,166 $ 60,000
Riverside, California 23 $ 3,225,000 $ 140,217 $ 89,000
Lee, Mississippi 23 $ 2,635,000 $ 114,565 $ 47,000
Morgan, Alabama 22 $ 3,010,000 $ 136,818 $ 75,000
Jones, Mississippi 21 $ 2,125,000 $ 101,190 $ 63,000
Ashley, Arkansas 20 $ 1,830,000 $ 91,500 $ 112,000
Bossier, Louisiana 20 $ 2,010,000 $ 100,500 $ 68,000
Tarrant, Texas 20 $ 2,500,000 $ 125,000 $ 104,000
Mobile, Alabama 19 $ 2,305,000 $ 121,315 $ 90,000
White, Arkansas 19 $ 2,435,000 $ 128,157 $ 85,000
Panola, Mississippi 19 $ 2,135,000 $ 112,368 $ 59,000
Union, Mississippi 19 $ 2,275,000 $ 119,736 $ 61,000
Coosa, Alabama 18 $ 2,180,000 $ 121,111 $ 66,000
Shelby, Alabama 18 $ 2,510,000 $ 139,444 $ 83,000
Lauderdale, Mississippi 18 $ 2,190,000 $ 121,666 $ 82,000
Pearl River, Mississippi 18 $ 2,320,000 $ 128,888 $ 63,000
Henderson, Texas 18 $ 1,780,000 $ 98,888 $ 72,000
Baldwin, Alabama 17 $ 2,625,000 $ 154,411 $ 65,000
Bibb, Alabama 17 $ 2,125,000 $ 125,000 $ 73,000
Franklin, Alabama 17 $ 2,545,000 $ 149,705 $ 108,000
Pickens, Alabama 16 $ 1,830,000 $ 114,375 $ 62,000
Winston, Alabama 16 $ 2,290,000 $ 143,125 $ 93,000
Ouachita, Arkansas 16 $ 1,970,000 $ 123,125 $ 89,000
Jasper, Mississippi 16 $ 1,570,000 $ 98,125 $ 57,000
Lafayette, Mississippi 16 $ 1,600,000 $ 100,000 $ 56,000
Lamar, Mississippi 16 $ 1,970,000 $ 123,125 $ 63,000
Cherokee, Texas 16 $ 2,350,000 $ 146,875 $ 85,000
Chilton, Alabama 15 $ 1,665,000 $ 111,000 $ 93,000
Elmore, Alabama 15 $ 2,075,000 $ 138,333 $ 69,000
Lauderdale, Alabama 15 $ 2,265,000 $ 151,000 $ 58,000
Tallapoosa, Alabama 15 $ 1,655,000 $ 110,333 $ 56,000
Livingston, Louisiana 15 $ 1,755,000 $ 117,000 $ 65,000
Union, Louisiana 15 $ 1,645,000 $ 109,666 $ 76,000
Simpson, Mississippi 15 $ 1,575,000 $ 105,000 $ 70,000
Autauga, Alabama 14 $ 1,620,000 $ 115,714 $ 65,000
Blount, Alabama 14 $ 1,510,000 $ 107,857 $ 61,000
Sacramento, California 14 $ 2,280,000 $ 162,857 $ 82,000
San Diego, California 14 $ 2,740,000 $ 195,714 $ 117,000
Richland, Louisiana 14 $ 1,450,000 $ 103,571 $ 68,000
Vernon, Louisiana 14 $ 1,650,000 $ 117,857 $ 81,000
Allegan, Michigan 14 $ 1,150,000 $ 82,142 $ 67,000
Marshall, Mississippi 14 $ 2,020,000 $ 144,285 $ 80,000
Bastrop, Texas 14 $ 1,870,000 $ 133,571 $ 91,000
Harrison, Texas 14 $ 1,810,000 $ 129,285 $ 71,000
Travis, Texas 14 $ 1,780,000 $ 127,142 $ 67,000
Colbert, Alabama 13 $ 1,645,000 $ 126,538 $ 61,000
Faulkner, Arkansas 13 $ 1,445,000 $ 111,153 $ 65,000
Caddo, Louisiana 13 $ 1,725,000 $ 132,692 $ 127,000
Lafayette, Louisiana 13 $ 1,405,000 $ 108,076 $ 45,000
Lincoln, Louisiana 13 $ 1,295,000 $ 99,615 $ 54,000
Marion, Mississippi 13 $ 1,425,000 $ 109,615 $ 58,000
Marshall, Alabama 12 $ 1,240,000 $ 103,333 $ 61,000
Webster, Louisiana 12 $ 1,590,000 $ 132,500 $ 61,000
Jefferson Davis, Mississippi 12 $ 1,390,000 $ 115,833 $ 48,000
Shelby, Texas 12 $ 1,580,000 $ 131,666 $ 75,000
Cherokee, Alabama 11 $ 1,605,000 $ 145,909 $ 79,000
Lamar, Alabama 11 $ 1,615,000 $ 146,818 $ 66,000
Caldwell, Louisiana 11 $ 1,245,000 $ 113,181 $ 65,000
Grant, Louisiana 11 $ 1,595,000 $ 145,000 $ 81,000
Terrebonne, Louisiana 11 $ 795,000 $ 72,272 $ 41,000
Forrest, Mississippi 11 $ 1,245,000 $ 113,181 $ 66,000
Hancock, Mississippi 11 $ 1,005,000 $ 91,363 $ 68,000
Harrison, Mississippi 11 $ 1,375,000 $ 125,000 $ 81,000
Hinds, Mississippi 11 $ 1,675,000 $ 152,272 $ 102,000
Perry, Mississippi 11 $ 1,015,000 $ 92,272 $ 50,000
Midland, Texas 11 $ 1,705,000 $ 155,000 $ 111,000
Panola, Texas 11 $ 1,545,000 $ 140,454 $ 68,000
Wood, Texas 11 $ 1,075,000 $ 97,727 $ 54,000
Etowah, Alabama 10 $ 950,000 $ 95,000 $ 101,000
Bay, Florida 10 $ 1,460,000 $ 146,000 $ 148,000
Evangeline, Louisiana 10 $ 1,270,000 $ 127,000 $ 73,000
George, Mississippi 10 $ 1,330,000 $ 133,000 $ 86,000
Warren, Mississippi 10 $ 1,060,000 $ 106,000 $ 67,000
Van Zandt, Texas 10 $ 1,190,000 $ 119,000 $ 88,000
Covington, Alabama 9 $ 1,055,000 $ 117,222 $ 114,000
Madison, Alabama 9 $ 955,000 $ 106,111 $ 51,000
Jackson, Florida 9 $ 1,245,000 $ 138,333 $ 87,000
Hopkins, Kentucky 9 $ 1,375,000 $ 152,777 $ 72,000
Avoyelles, Louisiana 9 $ 1,305,000 $ 145,000 $ 103,000
Jackson, Louisiana 9 $ 955,000 $ 106,111 $ 59,000
Morehouse, Louisiana 9 $ 1,115,000 $ 123,888 $ 96,000
Natchitoches, Louisiana 9 $ 1,375,000 $ 152,777 $ 86,000
St. Charles, Louisiana 9 $ 855,000 $ 95,000 $ 41,000
St. Martin, Louisiana 9 $ 1,015,000 $ 112,777 $ 51,000
Vermilion, Louisiana 9 $ 1,425,000 $ 158,333 $ 78,000
Alcorn, Mississippi 9 $ 1,085,000 $ 120,555 $ 92,000
Itawamba, Mississippi 9 $ 1,095,000 $ 121,666 $ 62,000
Lawrence, Mississippi 9 $ 1,005,000 $ 111,666 $ 74,000
Lincoln, Mississippi 9 $ 1,135,000 $ 126,111 $ 103,000
Scott, Mississippi 9 $ 905,000 $ 100,555 $ 51,000
Tishomingo, Mississippi 9 $ 975,000 $ 108,333 $ 57,000
Anderson, Texas 9 $ 1,135,000 $ 126,111 $ 81,000
Ector, Texas 9 $ 1,235,000 $ 137,222 $ 56,000
Montgomery, Texas 9 $ 1,185,000 $ 131,666 $ 78,000
Calhoun, Alabama 8 $ 920,000 $ 115,000 $ 71,000
Hale, Alabama 8 $ 970,000 $ 121,250 $ 51,000
Marengo, Alabama 8 $ 1,060,000 $ 132,500 $ 70,000
Columbia, Arkansas 8 $ 1,050,000 $ 131,250 $ 85,000
Pulaski, Arkansas 8 $ 940,000 $ 117,500 $ 61,000
Sabine, Louisiana 8 $ 850,000 $ 106,250 $ 105,000
West Carroll, Louisiana 8 $ 950,000 $ 118,750 $ 53,000
Wayne, Mississippi 8 $ 840,000 $ 105,000 $ 75,000
Lawrence, Tennessee 8 $ 960,000 $ 120,000 $ 48,000
Clay, Alabama 7 $ 895,000 $ 127,857 $ 45,000
Escambia, Alabama 7 $ 805,000 $ 115,000 $ 51,000
Houston, Alabama 7 $ 995,000 $ 142,142 $ 55,000
Sumter, Alabama 7 $ 805,000 $ 115,000 $ 50,000
Alameda, California 7 $ 1,475,000 $ 210,714 $ 115,000
Contra Costa, California 7 $ 1,125,000 $ 160,714 $ 85,000
Kern, California 7 $ 1,005,000 $ 143,571 $ 69,000
Holmes, Florida 7 $ 1,345,000 $ 192,142 $ 106,000
Polk, Florida 7 $ 665,000 $ 95,000 $ 81,000
De Soto, Louisiana 7 $ 805,000 $ 115,000 $ 80,000
Lafourche, Louisiana 7 $ 755,000 $ 107,857 $ 60,000
St. Landry, Louisiana 7 $ 775,000 $ 110,714 $ 60,000
St. Tammany, Louisiana 7 $ 805,000 $ 115,000 $ 74,000
Winn, Louisiana 7 $ 1,005,000 $ 143,571 $ 66,000
Clarke, Mississippi 7 $ 765,000 $ 109,285 $ 97,000
Jackson, Mississippi 7 $ 1,025,000 $ 146,428 $ 95,000
Rankin, Mississippi 7 $ 595,000 $ 85,000 $ 40,000
Rutherford, Tennessee 7 $ 1,565,000 $ 223,571 $ 52,000
Wilson, Tennessee 7 $ 1,185,000 $ 169,285 $ 74,000
Austin, Texas 7 $ 695,000 $ 99,285 $ 68,000
Kaufman, Texas 7 $ 915,000 $ 130,714 $ 81,000
Rusk, Texas 7 $ 835,000 $ 119,285 $ 81,000
Butler, Alabama 6 $ 620,000 $ 103,333 $ 61,000
Dallas, Alabama 6 $ 710,000 $ 118,333 $ 49,000
Jackson, Alabama 6 $ 1,080,000 $ 180,000 $ 92,000
Lee, Alabama 6 $ 510,000 $ 85,000 $ 49,000
Pike, Alabama 6 $ 710,000 $ 118,333 $ 72,000
Calhoun, Arkansas 6 $ 670,000 $ 111,666 $ 100,000
Hot Spring, Arkansas 6 $ 650,000 $ 108,333 $ 73,000
Monterey, California 6 $ 1,170,000 $ 195,000 $ 94,000
Orange, California 6 $ 940,000 $ 156,666 $ 107,000
Lake, Florida 6 $ 510,000 $ 85,000 $ 61,000
Wayne, Georgia 6 $ 680,000 $ 113,333 $ 80,000
Marshall, Kentucky 6 $ 700,000 $ 116,666 $ 89,000
McCracken, Kentucky 6 $ 630,000 $ 105,000 $ 68,000
Beauregard, Louisiana 6 $ 810,000 $ 135,000 $ 83,000
Bienville, Louisiana 6 $ 580,000 $ 96,666 $ 73,000
Franklin, Louisiana 6 $ 490,000 $ 81,666 $ 48,000
Calhoun, Mississippi 6 $ 750,000 $ 125,000 $ 62,000
Copiah, Mississippi 6 $ 620,000 $ 103,333 $ 66,000
Covington, Mississippi 6 $ 850,000 $ 141,666 $ 70,000
Greene, Mississippi 6 $ 850,000 $ 141,666 $ 186,000
Neshoba, Mississippi 6 $ 790,000 $ 131,666 $ 87,000
Newton, Mississippi 6 $ 590,000 $ 98,333 $ 63,000
Pike, Mississippi 6 $ 680,000 $ 113,333 $ 41,000
Smith, Mississippi 6 $ 870,000 $ 145,000 $ 100,000
Stone, Mississippi 6 $ 790,000 $ 131,666 $ 105,000
Angelina, Texas 6 $ 870,000 $ 145,000 $ 73,000
Bowie, Texas 6 $ 570,000 $ 95,000 $ 68,000
Kerr, Texas 6 $ 590,000 $ 98,333 $ 83,000
Yakima, Washington 6 $ 910,000 $ 151,666 $ 52,000
Fayette, Alabama 5 $ 785,000 $ 157,000 $ 127,000
Limestone, Alabama 5 $ 725,000 $ 145,000 $ 92,000
Monroe, Alabama 5 $ 585,000 $ 117,000 $ 76,000
Randolph, Alabama 5 $ 495,000 $ 99,000 $ 101,000
Cleburne, Arkansas 5 $ 445,000 $ 89,000 $ 84,000
Greene, Arkansas 5 $ 505,000 $ 101,000 $ 75,000
Lonoke, Arkansas 5 $ 535,000 $ 107,000 $ 61,000
Miller, Arkansas 5 $ 685,000 $ 137,000 $ 80,000
Nevada, Arkansas 5 $ 625,000 $ 125,000 $ 49,000
Fresno, California 5 $ 655,000 $ 131,000 $ 63,000
Santa Rosa, Florida 5 $ 1,095,000 $ 219,000 $ 123,000
Washington, Florida 5 $ 655,000 $ 131,000 $ 80,000
Brantley, Georgia 5 $ 625,000 $ 125,000 $ 73,000
Jefferson, Kentucky 5 $ 1,075,000 $ 215,000 $ 71,000
Claiborne, Louisiana 5 $ 545,000 $ 109,000 $ 75,000
St. Mary, Louisiana 5 $ 735,000 $ 147,000 $ 68,000
Washington, Louisiana 5 $ 515,000 $ 103,000 $ 42,000
Clay, Mississippi 5 $ 575,000 $ 115,000 $ 49,000
Holmes, Mississippi 5 $ 595,000 $ 119,000 $ 53,000
Kemper, Mississippi 5 $ 595,000 $ 119,000 $ 65,000
Prentiss, Mississippi 5 $ 465,000 $ 93,000 $ 63,000
Tate, Mississippi 5 $ 685,000 $ 137,000 $ 46,000
Walthall, Mississippi 5 $ 555,000 $ 111,000 $ 72,000
Washington, Mississippi 5 $ 565,000 $ 113,000 $ 85,000
Yalobusha, Mississippi 5 $ 465,000 $ 93,000 $ 46,000
Lincoln, Missouri 5 $ 365,000 $ 73,000 $ 50,000
Johnston, North Carolina 5 $ 465,000 $ 93,000 $ 48,000
Putnam, Tennessee 5 $ 535,000 $ 107,000 $ 58,000
Shelby, Tennessee 5 $ 565,000 $ 113,000 $ 68,000
Caldwell, Texas 5 $ 1,005,000 $ 201,000 $ 87,000
Denton, Texas 5 $ 495,000 $ 99,000 $ 60,000
Jasper, Texas 5 $ 435,000 $ 87,000 $ 49,000
Nacogdoches, Texas 5 $ 885,000 $ 177,000 $ 56,000
Sabine, Texas 5 $ 525,000 $ 105,000 $ 82,000
Upshur, Texas 5 $ 455,000 $ 91,000 $ 69,000
Williamson, Texas 5 $ 675,000 $ 135,000 $ 61,000
Choctaw, Alabama 4 $ 540,000 $ 135,000 $ 68,000
Conecuh, Alabama 4 $ 350,000 $ 87,500 $ 604,000
DeKalb, Alabama 4 $ 590,000 $ 147,500 $ 79,000
Montgomery, Alabama 4 $ 570,000 $ 142,500 $ 231,000
Bradley, Arkansas 4 $ 440,000 $ 110,000 $ 45,000
Conway, Arkansas 4 $ 530,000 $ 132,500 $ 67,000
Garland, Arkansas 4 $ 690,000 $ 172,500 $ 96,000
Johnson, Arkansas 4 $ 450,000 $ 112,500 $ 60,000
Lafayette, Arkansas 4 $ 600,000 $ 150,000 $ 85,000
Perry, Arkansas 4 $ 470,000 $ 117,500 $ 72,000
Napa, California 4 $ 980,000 $ 245,000 $ 94,000
Ventura, California 4 $ 830,000 $ 207,500 $ 103,000
Escambia, Florida 4 $ 590,000 $ 147,500 $ 131,000
Volusia, Florida 4 $ 210,000 $ 52,500 $ 83,000
Walton, Florida 4 $ 910,000 $ 227,500 $ 122,000
Bulloch, Georgia 4 $ 650,000 $ 162,500 $ 92,000
Carroll, Georgia 4 $ 660,000 $ 165,000 $ 82,000
Laurens, Georgia 4 $ 590,000 $ 147,500 $ 73,000
McIntosh, Georgia 4 $ 670,000 $ 167,500 $ 53,000
Ware, Georgia 4 $ 340,000 $ 85,000 $ 62,000
Trigg, Kentucky 4 $ 410,000 $ 102,500 $ 59,000
Webster, Kentucky 4 $ 560,000 $ 140,000 $ 72,000
Concordia, Louisiana 4 $ 560,000 $ 140,000 $ 49,000
East Carroll, Louisiana 4 $ 410,000 $ 102,500 $ 40,000
Iberia, Louisiana 4 $ 480,000 $ 120,000 $ 54,000
Jefferson, Louisiana 4 $ 430,000 $ 107,500 $ 52,000
La Salle, Louisiana 4 $ 550,000 $ 137,500 $ 49,000
West Baton Rouge, Louisiana 4 $ 370,000 $ 92,500 $ 48,000
Amite, Mississippi 4 $ 500,000 $ 125,000 $ 56,000
Chickasaw, Mississippi 4 $ 340,000 $ 85,000 $ 37,000
Choctaw, Mississippi 4 $ 470,000 $ 117,500 $ 53,000
Grenada, Mississippi 4 $ 450,000 $ 112,500 $ 65,000
Tallahatchie, Mississippi 4 $ 390,000 $ 97,500 $ 44,000
Winston, Mississippi 4 $ 410,000 $ 102,500 $ 57,000
Yazoo, Mississippi 4 $ 420,000 $ 105,000 $ 59,000
Catawba, North Carolina 4 $ 500,000 $ 125,000 $ 95,000
Umatilla, Oregon 4 $ 730,000 $ 182,500 $ 77,000
Fayette, Tennessee 4 $ 570,000 $ 142,500 $ 63,000
Sumner, Tennessee 4 $ 680,000 $ 170,000 $ 61,000
Harris, Texas 4 $ 360,000 $ 90,000 $ 56,000
Hopkins, Texas 4 $ 410,000 $ 102,500 $ 81,000
Cleburne, Alabama 3 $ 565,000 $ 188,333 $ 101,000
Coffee, Alabama 3 $ 525,000 $ 175,000 $ 130,000
Geneva, Alabama 3 $ 355,000 $ 118,333 $ 55,000
Washington, Alabama 3 $ 265,000 $ 88,333 $ 75,000
Chicot, Arkansas 3 $ 245,000 $ 81,666 $ 35,000
Clark, Arkansas 3 $ 425,000 $ 141,666 $ 60,000
Drew, Arkansas 3 $ 315,000 $ 105,000 $ 69,000
Franklin, Arkansas 3 $ 355,000 $ 118,333 $ 79,000
Jefferson, Arkansas 3 $ 225,000 $ 75,000 $ 62,000
Lincoln, Arkansas 3 $ 445,000 $ 148,333 $ 58,000
Pope, Arkansas 3 $ 215,000 $ 71,666 $ 87,000
Washington, Arkansas 3 $ 325,000 $ 108,333 $ 54,000
San Mateo, California 3 $ 1,235,000 $ 411,666 $ 109,000
Solano, California 3 $ 395,000 $ 131,666 $ 58,000
Stanislaus, California 3 $ 285,000 $ 95,000 $ 75,000
Duval, Florida 3 $ 485,000 $ 161,666 $ 83,000
Gadsden, Florida 3 $ 625,000 $ 208,333 $ 57,000
Leon, Florida 3 $ 515,000 $ 171,666 $ 80,000
Marion, Florida 3 $ 225,000 $ 75,000 $ 53,000
Pinellas, Florida 3 $ 125,000 $ 41,666 $ 41,000
Baldwin, Georgia 3 $ 415,000 $ 138,333 $ 61,000
Jones, Georgia 3 $ 555,000 $ 185,000 $ 127,000
Pierce, Georgia 3 $ 405,000 $ 135,000 $ 56,000
Seminole, Georgia 3 $ 495,000 $ 165,000 $ 78,000
Twiggs, Georgia 3 $ 695,000 $ 231,666 $ 115,000
Caldwell, Kentucky 3 $ 325,000 $ 108,333 $ 61,000
Christian, Kentucky 3 $ 425,000 $ 141,666 $ 119,000
Crittenden, Kentucky 3 $ 315,000 $ 105,000 $ 49,000
Daviess, Kentucky 3 $ 405,000 $ 135,000 $ 73,000
Hickman, Kentucky 3 $ 295,000 $ 98,333 $ 59,000
Lyon, Kentucky 3 $ 325,000 $ 108,333 $ 65,000
Muhlenberg, Kentucky 3 $ 355,000 $ 118,333 $ 44,000
Acadia, Louisiana 3 $ 355,000 $ 118,333 $ 72,000
East Baton Rouge, Louisiana 3 $ 265,000 $ 88,333 $ 89,000
East Feliciana, Louisiana 3 $ 345,000 $ 115,000 $ 76,000
St. Helena, Louisiana 3 $ 375,000 $ 125,000 $ 59,000
St. James, Louisiana 3 $ 485,000 $ 161,666 $ 82,000
Bolivar, Mississippi 3 $ 315,000 $ 105,000 $ 36,000
Carroll, Mississippi 3 $ 405,000 $ 135,000 $ 109,000
DeSoto, Mississippi 3 $ 505,000 $ 168,333 $ 174,000
Madison, Mississippi 3 $ 315,000 $ 105,000 $ 55,000
Montgomery, Mississippi 3 $ 415,000 $ 138,333 $ 63,000
Noxubee, Mississippi 3 $ 265,000 $ 88,333 $ 56,000
Tippah, Mississippi 3 $ 385,000 $ 128,333 $ 69,000
Webster, Mississippi 3 $ 205,000 $ 68,333 $ 33,000
Newton, Missouri 3 $ 305,000 $ 101,666 $ 46,000
Warren, Missouri 3 $ 295,000 $ 98,333 $ 36,000
Le Flore, Oklahoma 3 $ 335,000 $ 111,666 $ 53,000
Lincoln, Oklahoma 3 $ 275,000 $ 91,666 $ 58,000
Anderson, South Carolina 3 $ 545,000 $ 181,666 $ 56,000
Cumberland, Tennessee 3 $ 225,000 $ 75,000 $ 76,000
Hardeman, Tennessee 3 $ 295,000 $ 98,333 $ 148,000
Jackson, Tennessee 3 $ 315,000 $ 105,000 $ 82,000
McNairy, Tennessee 3 $ 495,000 $ 165,000 $ 63,000
Overton, Tennessee 3 $ 335,000 $ 111,666 $ 66,000
Brazoria, Texas 3 $ 385,000 $ 128,333 $ 77,000
Camp, Texas 3 $ 325,000 $ 108,333 $ 44,000
Gregg, Texas 3 $ 495,000 $ 165,000 $ 101,000
Hays, Texas 3 $ 415,000 $ 138,333 $ 63,000
Howard, Texas 3 $ 495,000 $ 165,000 $ 74,000
Liberty, Texas 3 $ 265,000 $ 88,333 $ 43,000
Tyler, Texas 3 $ 265,000 $ 88,333 $ 65,000
Bullock, Alabama 2 $ 240,000 $ 120,000 $ 46,000
Clarke, Alabama 2 $ 190,000 $ 95,000 $ 56,000
Crenshaw, Alabama 2 $ 140,000 $ 70,000 $ 77,000
Dale, Alabama 2 $ 200,000 $ 100,000 $ 84,000
Greene, Alabama 2 $ 130,000 $ 65,000 $ 67,000
Henry, Alabama 2 $ 160,000 $ 80,000 $ 26,000
Lowndes, Alabama 2 $ 140,000 $ 70,000 $ 97,000
Macon, Alabama 2 $ 170,000 $ 85,000 $ 34,000
Perry, Alabama 2 $ 270,000 $ 135,000 $ 65,000
Wilcox, Alabama 2 $ 250,000 $ 125,000 $ 50,000
Pima, Arizona 2 $ 240,000 $ 120,000 $ 43,000
Baxter, Arkansas 2 $ 170,000 $ 85,000 $ 100,000
Craighead, Arkansas 2 $ 300,000 $ 150,000 $ 44,000
Dallas, Arkansas 2 $ 210,000 $ 105,000 $ 54,000
Fulton, Arkansas 2 $ 160,000 $ 80,000 $ 66,000
Izard, Arkansas 2 $ 140,000 $ 70,000 $ 80,000
Jackson, Arkansas 2 $ 250,000 $ 125,000 $ 92,000
Marion, Arkansas 2 $ 240,000 $ 120,000 $ 56,000
Prairie, Arkansas 2 $ 220,000 $ 110,000 $ 28,000
Saline, Arkansas 2 $ 130,000 $ 65,000 $ 60,000
Sebastian, Arkansas 2 $ 280,000 $ 140,000 $ 119,000
Stone, Arkansas 2 $ 190,000 $ 95,000 $ 29,000
Yell, Arkansas 2 $ 130,000 $ 65,000 $ 33,000
Amador, California 2 $ 310,000 $ 155,000 $ 55,000
El Dorado, California 2 $ 450,000 $ 225,000 $ 87,000
Mono, California 2 $ 360,000 $ 180,000 $ 73,000
Broward, Florida 2 $ 210,000 $ 105,000 $ 125,000
Calhoun, Florida 2 $ 150,000 $ 75,000 $ 103,000
Hernando, Florida 2 $ 260,000 $ 130,000 $ 92,000
Hillsborough, Florida 2 $ 180,000 $ 90,000 $ 89,000
Lee, Florida 2 $ 350,000 $ 175,000 $ 192,000
Osceola, Florida 2 $ 190,000 $ 95,000 $ 85,000
Palm Beach, Florida 2 $ 170,000 $ 85,000 $ 119,000
Sarasota, Florida 2 $ 110,000 $ 55,000 $ 66,000
Appling, Georgia 2 $ 150,000 $ 75,000 $ 38,000
Bacon, Georgia 2 $ 320,000 $ 160,000 $ 57,000
Bryan, Georgia 2 $ 160,000 $ 80,000 $ 92,000
Calhoun, Georgia 2 $ 250,000 $ 125,000 $ 62,000
Camden, Georgia 2 $ 280,000 $ 140,000 $ 75,000
Chattooga, Georgia 2 $ 270,000 $ 135,000 $ 105,000
Crawford, Georgia 2 $ 450,000 $ 225,000 $ 109,000
Early, Georgia 2 $ 260,000 $ 130,000 $ 40,000
Echols, Georgia 2 $ 200,000 $ 100,000 $ 70,000
Glynn, Georgia 2 $ 150,000 $ 75,000 $ 122,000
Haralson, Georgia 2 $ 370,000 $ 185,000 $ 85,000
Meriwether, Georgia 2 $ 360,000 $ 180,000 $ 319,000
Monroe, Georgia 2 $ 340,000 $ 170,000 $ 104,000
Paulding, Georgia 2 $ 460,000 $ 230,000 $ 57,000
Thomas, Georgia 2 $ 240,000 $ 120,000 $ 53,000
Treutlen, Georgia 2 $ 100,000 $ 50,000 $ 54,000
Turner, Georgia 2 $ 350,000 $ 175,000 $ 95,000
Wilcox, Georgia 2 $ 260,000 $ 130,000 $ 39,000
Johnson, Illinois 2 $ 130,000 $ 65,000 $ 21,000
Massac, Illinois 2 $ 120,000 $ 60,000 $ 46,000
Pulaski, Illinois 2 $ 220,000 $ 110,000 $ 58,000
Rock Island, Illinois 2 $ 140,000 $ 70,000 $ 63,000
St. Clair, Illinois 2 $ 90,000 $ 45,000 $ 35,000
Pike, Indiana 2 $ 220,000 $ 110,000 $ 92,000
Porter, Indiana 2 $ 70,000 $ 35,000 $ 35,000
Spencer, Indiana 2 $ 230,000 $ 115,000 $ 54,000
Calloway, Kentucky 2 $ 280,000 $ 140,000 $ 62,000
Grayson, Kentucky 2 $ 350,000 $ 175,000 $ 408,000
Livingston, Kentucky 2 $ 180,000 $ 90,000 $ 42,000
Ascension, Louisiana 2 $ 450,000 $ 225,000 $ 97,000
Catahoula, Louisiana 2 $ 160,000 $ 80,000 $ 46,000
Iberville, Louisiana 2 $ 250,000 $ 125,000 $ 78,000
Jefferson Davis, Louisiana 2 $ 330,000 $ 165,000 $ 120,000
Madison, Louisiana 2 $ 140,000 $ 70,000 $ 40,000
Pointe Coupee, Louisiana 2 $ 150,000 $ 75,000 $ 55,000
Red River, Louisiana 2 $ 260,000 $ 130,000 $ 109,000
St. John the Baptist, Louisiana 2 $ 130,000 $ 65,000 $ 16,000
Adams, Mississippi 2 $ 290,000 $ 145,000 $ 115,000
Attala, Mississippi 2 $ 340,000 $ 170,000 $ 79,000
Claiborne, Mississippi 2 $ 190,000 $ 95,000 $ 46,000
Franklin, Mississippi 2 $ 240,000 $ 120,000 $ 51,000
Jefferson, Mississippi 2 $ 210,000 $ 105,000 $ 67,000
Tunica, Mississippi 2 $ 230,000 $ 115,000 $ 48,000
St. Charles, Missouri 2 $ 60,000 $ 30,000 $ 51,000
San Juan, New Mexico 2 $ 310,000 $ 155,000 $ 96,000
Brunswick, North Carolina 2 $ 410,000 $ 205,000 $ 97,000
Harnett, North Carolina 2 $ 850,000 $ 425,000 $ 228,000
Hoke, North Carolina 2 $ 160,000 $ 80,000 $ 51,000
Richmond, North Carolina 2 $ 200,000 $ 100,000 $ 113,000
Logan, Oklahoma 2 $ 220,000 $ 110,000 $ 73,000
Berkeley, South Carolina 2 $ 180,000 $ 90,000 $ 175,000
Orangeburg, South Carolina 2 $ 240,000 $ 120,000 $ 50,000
Williamsburg, South Carolina 2 $ 130,000 $ 65,000 $ 49,000
Benton, Tennessee 2 $ 350,000 $ 175,000 $ 91,000
Carter, Tennessee 2 $ 310,000 $ 155,000 $ 100,000
Davidson, Tennessee 2 $ 560,000 $ 280,000 $ 56,000
Hardin, Tennessee 2 $ 180,000 $ 90,000 $ 83,000
Madison, Tennessee 2 $ 280,000 $ 140,000 $ 67,000
Montgomery, Tennessee 2 $ 560,000 $ 280,000 $ 145,000
Tipton, Tennessee 2 $ 290,000 $ 145,000 $ 93,000
Van Buren, Tennessee 2 $ 300,000 $ 150,000 $ 81,000
Washington, Tennessee 2 $ 120,000 $ 60,000 $ 46,000
Wayne, Tennessee 2 $ 150,000 $ 75,000 $ 71,000
Atascosa, Texas 2 $ 230,000 $ 115,000 $ 101,000
Collin, Texas 2 $ 260,000 $ 130,000 $ 50,000
Dallas, Texas 2 $ 200,000 $ 100,000 $ 32,000
Eastland, Texas 2 $ 280,000 $ 140,000 $ 123,000
El Paso, Texas 2 $ 200,000 $ 100,000 $ 32,000
Franklin, Texas 2 $ 180,000 $ 90,000 $ 323,000
Gaines, Texas 2 $ 280,000 $ 140,000 $ 43,000
Gonzales, Texas 2 $ 280,000 $ 140,000 $ 173,000
Houston, Texas 2 $ 180,000 $ 90,000 $ 58,000
Jack, Texas 2 $ 290,000 $ 145,000 $ 108,000
Lee, Texas 2 $ 220,000 $ 110,000 $ 57,000
Limestone, Texas 2 $ 140,000 $ 70,000 $ 55,000
Marion, Texas 2 $ 200,000 $ 100,000 $ 76,000
Morris, Texas 2 $ 160,000 $ 80,000 $ 53,000
Newton, Texas 2 $ 220,000 $ 110,000 $ 63,000
San Augustine, Texas 2 $ 140,000 $ 70,000 $ 43,000
Titus, Texas 2 $ 190,000 $ 95,000 $ 63,000
Victoria, Texas 2 $ 210,000 $ 105,000 $ 80,000
Waller, Texas 2 $ 380,000 $ 190,000 $ 76,000
Ward, Texas 2 $ 360,000 $ 180,000 $ 58,000
Benton, Washington 2 $ 310,000 $ 155,000 $ 103,000
Barbour, Alabama 1 $ 165,000 $ 165,000 $ 75,000
Chambers, Alabama 1 $ 175,000 $ 175,000 $ 170,000
Russell, Alabama 1 $ 125,000 $ 125,000 $ 126,000
Arkansas, Arkansas 1 $ 275,000 $ 275,000 $ 196,000
Benton, Arkansas 1 $ 165,000 $ 165,000 $ 98,000
Carroll, Arkansas 1 $ 225,000 $ 225,000 $ 112,000
Clay, Arkansas 1 $ 185,000 $ 185,000 $ 105,000
Crawford, Arkansas 1 $ 95,000 $ 95,000 $ 123,000
Crittenden, Arkansas 1 $ 115,000 $ 115,000 $ 58,000
Cross, Arkansas 1 $ 185,000 $ 185,000 $ 67,000
Grant, Arkansas 1 $ 85,000 $ 85,000 $ 42,000
Hempstead, Arkansas 1 $ 205,000 $ 205,000 $ 47,000
Independence, Arkansas 1 $ 155,000 $ 155,000 $ 65,000
Lee, Arkansas 1 $ 155,000 $ 155,000 $ 17,000
Madison, Arkansas 1 $ 175,000 $ 175,000 $ 69,000
Poinsett, Arkansas 1 $ 85,000 $ 85,000 $ 59,000
Scott, Arkansas 1 $ 165,000 $ 165,000 $ 141,000
St. Francis, Arkansas 1 $ 85,000 $ 85,000 $ 61,000
Van Buren, Arkansas 1 $ 115,000 $ 115,000 $ 83,000
Butte, California 1 $ 95,000 $ 95,000 $ 47,000
Mariposa, California 1 $ 65,000 $ 65,000 $ 0
Nevada, California 1 $ 95,000 $ 95,000 $ 53,000
Placer, California 1 $ 135,000 $ 135,000 $ 68,000
San Joaquin, California 1 $ 125,000 $ 125,000 $ 73,000
San Luis Obispo, California 1 $ 95,000 $ 95,000 $ 57,000
Santa Barbara, California 1 $ 85,000 $ 85,000 $ 52,000
Tuolumne, California 1 $ 195,000 $ 195,000 $ 74,000
La Plata, Colorado 1 $ 105,000 $ 105,000 $ 88,000
Alachua, Florida 1 $ 295,000 $ 295,000 $ 81,000
Bradford, Florida 1 $ 115,000 $ 115,000 $ 67,000
Clay, Florida 1 $ 135,000 $ 135,000 $ 73,000
Franklin, Florida 1 $ 175,000 $ 175,000 $ 65,000
Gulf, Florida 1 $ 115,000 $ 115,000 $ 40,000
Indian River, Florida 1 $ 145,000 $ 145,000 $ 204,000
Martin, Florida 1 $ 35,000 $ 35,000 $ 40,000
Monroe, Florida 1 $ 615,000 $ 615,000 $ 4,216,000
Nassau, Florida 1 $ 135,000 $ 135,000 $ 55,000
Okaloosa, Florida 1 $ 185,000 $ 185,000 $ 89,000
Orange, Florida 1 $ 85,000 $ 85,000 $ 108,000
Pasco, Florida 1 $ 55,000 $ 55,000 $ 35,000
Putnam, Florida 1 $ 135,000 $ 135,000 $ 56,000
Seminole, Florida 1 $ 75,000 $ 75,000 $ 44,000
St. Lucie, Florida 1 $ 55,000 $ 55,000 $ 25,000
Suwannee, Florida 1 $ 135,000 $ 135,000 $ 71,000
Union, Florida 1 $ 115,000 $ 115,000 $ 44,000
Atkinson, Georgia 1 $ 135,000 $ 135,000 $ 37,000
Barrow, Georgia 1 $ 155,000 $ 155,000 $ 37,000
Bibb, Georgia 1 $ 125,000 $ 125,000 $ 43,000
Charlton, Georgia 1 $ 85,000 $ 85,000 $ 50,000
Cherokee, Georgia 1 $ 165,000 $ 165,000 $ 60,000
Coffee, Georgia 1 $ 145,000 $ 145,000 $ 75,000
Effingham, Georgia 1 $ 145,000 $ 145,000 $ 52,000
Emanuel, Georgia 1 $ 205,000 $ 205,000 $ 92,000
Floyd, Georgia 1 $ 165,000 $ 165,000 $ 56,000
Franklin, Georgia 1 $ 105,000 $ 105,000 $ 37,000
Gilmer, Georgia 1 $ 55,000 $ 55,000 $ 78,000
Hall, Georgia 1 $ 75,000 $ 75,000 $ 66,000
Hancock, Georgia 1 $ 135,000 $ 135,000 $ 85,000
Henry, Georgia 1 $ 155,000 $ 155,000 $ 39,000
Jeff Davis, Georgia 1 $ 155,000 $ 155,000 $ 128,000
Johnson, Georgia 1 $ 105,000 $ 105,000 $ 83,000
Long, Georgia 1 $ 145,000 $ 145,000 $ 219,000
Lowndes, Georgia 1 $ 55,000 $ 55,000 $ 48,000
Marion, Georgia 1 $ 155,000 $ 155,000 $ 51,000
Montgomery, Georgia 1 $ 125,000 $ 125,000 $ 70,000
Peach, Georgia 1 $ 175,000 $ 175,000 $ 42,000
Quitman, Georgia 1 $ 85,000 $ 85,000 $ 81,000
Randolph, Georgia 1 $ 155,000 $ 155,000 $ 111,000
Sumter, Georgia 1 $ 85,000 $ 85,000 $ 40,000
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Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2023

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 4,267 $533,825,000 $125,000 $615,000 $76,000 $4,216,000
Cash-out Refinancing 14 $3,000,000 $214,000 $565,000 $95,000 $214,000
Refinancing 13 $1,845,000 $141,000 $455,000 $119,000 $390,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
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 2,701 $337,925,000 $125,000 $615,000 $80,000 $4,216,000
Black or African American 795 $94,255,000 $118,000 $435,000 $65,000 $2,265,000
Hispanic 410 $55,560,000 $135,000 $455,000 $72,000 $352,000
Not Provided 316 $39,550,000 $125,000 $565,000 $85,000 $1,243,000
American Indian or Alaskan Native 32 $3,900,000 $121,000 $235,000 $79,000 $169,000
Asian 31 $6,185,000 $199,000 $335,000 $88,000 $260,000
Native Hawaiian or Other Pacific Islander 3 $615,000 $205,000 $325,000 $64,000 $89,000
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) 4,136 $505,710,000 $122,000 $615,000 $76,000 $4,216,000
FHA-insured (Federal Housing Administration) 132 $26,500,000 $200,000 $565,000 $82,000 $247,000
VA-guaranteed (Veterans Administration) 15 $4,675,000 $311,000 $555,000 $126,000 $231,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,785,000 $162,000 $275,000 $70,000 $103,000

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 1,738 $203,890,000 $117,000 $475,000 $70,000 $2,265,000
Application Withdrawn By Applicant 1,632 $212,550,000 $130,000 $615,000 $84,000 $4,216,000
Loan Originated 909 $119,765,000 $131,000 $555,000 $76,000 $390,000
File Closed For Incompleteness 14 $2,450,000 $175,000 $565,000 $109,000 $457,000
Application Approved But Not Accepted 1 $15,000 $15,000 $15,000 $47,000 $47,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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 2,556 $334,780,000 $130,000 $615,000 $81,000 $4,216,000
Credit History 1,330 $151,390,000 $113,000 $475,000 $72,000 $2,265,000
Debt-To-Income Ratio 258 $33,990,000 $131,000 $375,000 $54,000 $438,000
Other 129 $15,935,000 $123,000 $375,000 $78,000 $468,000
Employment History 14 $1,750,000 $125,000 $215,000 $133,000 $1,044,000
Insufficient Cash (Downpayment, Closing Cost) 3 $525,000 $175,000 $245,000 $96,000 $169,000
Collateral 3 $165,000 $55,000 $75,000 $60,000 $101,000
Unverifiable Information 1 $135,000 $135,000 $135,000 $61,000 $61,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cis Financial Services, Inc.'s 2023 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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