Cis Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Cis Financial Services, Inc. 2012 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 | Cis Financial Services, Inc. 851 Military Street N Hamilton, AL 35570 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 |
| Total Number of Mortgage Applications | 1,874 |
| Total Mortgage Loan Application Amount | $214,195,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $413,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Cis Financial Services, Inc.. 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 Cis Financial Services, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Cis Financial Services, Inc.'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 Cis Financial Services, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Cis Financial Services, Inc., 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 Cis Financial Services, Inc.'s mortgage activity for 2012.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| ALEXANDRIA, LA | 107 | $ 15,145,000 | $ 141,000 | $ 57,000 |
| BIRMINGHAM-HOOVER, AL | 87 | $ 9,250,000 | $ 106,000 | $ 54,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 35 | $ 4,846,000 | $ 142,500 | $ 59,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 30 | $ 3,112,000 | $ 103,000 | $ 53,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 25 | $ 3,171,000 | $ 126,000 | $ 51,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 24 | $ 2,632,000 | $ 109,000 | $ 57,000 |
| ELIZABETHTOWN, KY | 24 | $ 2,873,000 | $ 119,000 | $ 53,000 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 23 | $ 3,191,000 | $ 138,000 | $ 58,000 |
| BATON ROUGE, LA | 22 | $ 3,076,000 | $ 139,000 | $ 69,000 |
| MONROE, LA | 22 | $ 2,689,000 | $ 122,000 | $ 63,000 |
| CHARLESTON, WV | 20 | $ 2,188,000 | $ 109,000 | $ 55,000 |
| ANNISTON-OXFORD, AL | 18 | $ 2,324,000 | $ 129,000 | $ 61,000 |
| LAFAYETTE, LA | 18 | $ 1,896,000 | $ 105,000 | $ 54,000 |
| SHREVEPORT-BOSSIER CITY, LA | 17 | $ 2,149,000 | $ 126,000 | $ 60,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 16 | $ 1,617,000 | $ 101,000 | $ 53,000 |
| TULSA, OK | 15 | $ 1,739,000 | $ 115,000 | $ 54,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 14 | $ 2,112,000 | $ 150,000 | $ 88,000 |
| CHARLOTTE-GASTONIA-ROCK HILL, NC-SC | 12 | $ 1,731,000 | $ 152,500 | $ 55,500 |
| GREENVILLE-MAULDIN-EASLEY, SC | 12 | $ 1,466,000 | $ 122,000 | $ 45,000 |
| JACKSONVILLE, FL | 12 | $ 1,436,000 | $ 119,000 | $ 50,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 11 | $ 1,311,000 | $ 119,000 | $ 48,000 |
| HINESVILLE-FORT STEWART, GA | 10 | $ 932,000 | $ 93,000 | $ 48,000 |
| LONGVIEW, TX | 10 | $ 1,428,000 | $ 142,000 | $ 68,000 |
| JACKSON, MS | 9 | $ 672,000 | $ 74,000 | $ 57,000 |
| LAKE CHARLES, LA | 9 | $ 1,199,000 | $ 133,000 | $ 69,000 |
| OKLAHOMA CITY, OK | 9 | $ 1,069,000 | $ 118,000 | $ 50,000 |
| TOPEKA, KS | 9 | $ 1,021,000 | $ 113,000 | $ 51,000 |
| TUSCALOOSA, AL | 9 | $ 919,000 | $ 102,000 | $ 57,000 |
| ANDERSON, SC | 8 | $ 818,000 | $ 102,000 | $ 45,000 |
| FORT SMITH, AR-OK | 8 | $ 669,000 | $ 84,000 | $ 43,000 |
| PASCAGOULA, MS | 8 | $ 697,000 | $ 87,000 | $ 43,000 |
| SAVANNAH, GA | 8 | $ 1,008,000 | $ 126,000 | $ 52,000 |
| WICHITA, KS | 8 | $ 877,000 | $ 109,000 | $ 85,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 7 | $ 1,112,000 | $ 158,000 | $ 81,000 |
| HUNTSVILLE, AL | 7 | $ 699,000 | $ 99,000 | $ 41,000 |
| MOBILE, AL | 7 | $ 657,000 | $ 93,000 | $ 52,000 |
| MONTGOMERY, AL | 7 | $ 852,000 | $ 121,000 | $ 41,000 |
| TYLER, TX | 7 | $ 1,307,000 | $ 186,000 | $ 75,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 6 | $ 734,000 | $ 122,000 | $ 68,000 |
| GADSDEN, AL | 6 | $ 626,000 | $ 104,000 | $ 36,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 6 | $ 763,000 | $ 127,000 | $ 48,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 6 | $ 634,000 | $ 105,000 | $ 49,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 6 | $ 767,000 | $ 127,000 | $ 51,000 |
| DECATUR, AL | 5 | $ 411,000 | $ 82,000 | $ 45,000 |
| EVANSVILLE, IN-KY | 5 | $ 653,000 | $ 131,500 | $ 54,000 |
| GAINESVILLE, FL | 5 | $ 474,000 | $ 94,000 | $ 44,000 |
| KNOXVILLE, TN | 5 | $ 587,000 | $ 117,000 | $ 35,000 |
| MACON, GA | 5 | $ 475,000 | $ 95,000 | $ 47,000 |
| CHATTANOOGA, TN-GA | 4 | $ 340,000 | $ 85,000 | $ 32,500 |
| FORT WORTH-ARLINGTON, TX | 4 | $ 345,000 | $ 86,000 | $ 73,000 |
| KANSAS CITY, MO-KS | 4 | $ 494,000 | $ 123,000 | $ 55,000 |
| PUEBLO, CO | 4 | $ 651,000 | $ 162,000 | $ 54,000 |
| RICHMOND, VA | 4 | $ 351,000 | $ 87,000 | $ 37,000 |
| WILMINGTON, NC | 4 | $ 422,000 | $ 105,000 | $ 33,000 |
| AUSTIN-ROUND ROCK-SAN MARCOS, TX | 3 | $ 159,000 | $ 53,000 | $ 36,000 |
| BOWLING GREEN, KY | 3 | $ 291,000 | $ 97,000 | $ 44,000 |
| COLUMBUS, GA-AL | 3 | $ 280,000 | $ 93,000 | $ 39,000 |
| GREENVILLE, NC | 3 | $ 250,000 | $ 83,000 | $ 36,000 |
| MORGANTOWN, WV | 3 | $ 267,000 | $ 89,000 | $ 42,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 254,000 | $ 84,000 | $ 68,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 3 | $ 352,000 | $ 117,000 | $ 108,000 |
| WACO, TX | 3 | $ 239,000 | $ 79,000 | $ 26,000 |
| ALBANY, GA | 2 | $ 379,000 | $ 189,000 | $ 78,000 |
| ATHENS-CLARKE COUNTY, GA | 2 | $ 199,000 | $ 99,000 | $ 50,000 |
| AUBURN-OPELIKA, AL | 2 | $ 214,000 | $ 107,000 | $ 38,000 |
| BRUNSWICK, GA | 2 | $ 253,000 | $ 126,000 | $ 50,000 |
| CLARKSVILLE, TN-KY | 2 | $ 393,000 | $ 196,000 | $ 123,000 |
| CLEVELAND, TN | 2 | $ 198,000 | $ 99,000 | $ 42,000 |
| COLLEGE STATION-BRYAN, TX | 2 | $ 342,000 | $ 171,000 | $ 72,000 |
| DALLAS-PLANO-IRVING, TX | 2 | $ 240,000 | $ 120,000 | $ 56,000 |
| DOTHAN, AL | 2 | $ 203,000 | $ 101,000 | $ 46,000 |
| FLORENCE-MUSCLE SHOALS, AL | 2 | $ 314,000 | $ 157,000 | $ 65,000 |
| GAINESVILLE, GA | 2 | $ 170,000 | $ 85,000 | $ 57,000 |
| GULFPORT-BILOXI, MS | 2 | $ 162,000 | $ 81,000 | $ 47,000 |
| HOT SPRINGS, AR | 2 | $ 223,000 | $ 111,000 | $ 90,000 |
| LAKELAND-WINTER HAVEN, FL | 2 | $ 175,000 | $ 87,000 | $ 38,000 |
| MANHATTAN, KS | 2 | $ 258,000 | $ 129,000 | $ 63,000 |
| MEMPHIS, TN-MS-AR | 2 | $ 197,000 | $ 98,000 | $ 38,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 2 | $ 221,000 | $ 110,000 | $ 23,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 2 | $ 136,000 | $ 68,000 | $ 45,000 |
| PINE BLUFF, AR | 2 | $ 183,000 | $ 91,000 | $ 47,000 |
| SPARTANBURG, SC | 2 | $ 263,000 | $ 131,000 | $ 78,000 |
| TALLAHASSEE, FL | 2 | $ 251,000 | $ 125,000 | $ 65,000 |
| TEXARKANA, TX-TEXARKANA, AR | 2 | $ 252,000 | $ 126,000 | $ 90,000 |
| VALDOSTA, GA | 2 | $ 160,000 | $ 80,000 | $ 35,000 |
| WARNER ROBINS, GA | 2 | $ 256,000 | $ 128,000 | $ 55,000 |
| AKRON, OH | 1 | $ 146,000 | $ 146,000 | $ 51,000 |
| AMARILLO, TX | 1 | $ 61,000 | $ 61,000 | $ 52,000 |
| BEAUMONT-PORT ARTHUR, TX | 1 | $ 142,000 | $ 142,000 | $ 102,000 |
| BLOOMINGTON, IN | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| CAPE CORAL-FORT MYERS, FL | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 1 | $ 138,000 | $ 138,000 | $ 96,000 |
| CORPUS CHRISTI, TX | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| DAYTON, OH | 1 | $ 103,000 | $ 103,000 | $ 28,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 134,000 | $ 134,000 | $ 49,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 1 | $ 91,000 | $ 91,000 | $ 90,000 |
| FAYETTEVILLE, NC | 1 | $ 137,000 | $ 137,000 | $ 37,000 |
| GOLDSBORO, NC | 1 | $ 151,000 | $ 151,000 | $ 55,000 |
| GRAND JUNCTION, CO | 1 | $ 200,000 | $ 200,000 | $ 76,000 |
| HATTIESBURG, MS | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| INDIANAPOLIS-CARMEL, IN | 1 | $ 122,000 | $ 122,000 | $ 107,000 |
| JOHNSON CITY, TN | 1 | $ 117,000 | $ 117,000 | $ 63,000 |
| JONESBORO, AR | 1 | $ 93,000 | $ 93,000 | $ 25,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 1 | $ 231,000 | $ 231,000 | $ 100,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| LYNCHBURG, VA | 1 | $ 189,000 | $ 189,000 | $ 45,000 |
| MORRISTOWN, TN | 1 | $ 95,000 | $ 95,000 | $ 167,000 |
| OCALA, FL | 1 | $ 169,000 | $ 169,000 | $ 74,000 |
| ODESSA, TX | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| PARKERSBURG-MARIETTA-VIENNA, WV-OH | 1 | $ 79,000 | $ 79,000 | $ 72,000 |
| PORT ST. LUCIE, FL | 1 | $ 167,000 | $ 167,000 | $ 38,000 |
| RALEIGH-CARY, NC | 1 | $ 77,000 | $ 77,000 | $ 17,000 |
| ROCKY MOUNT, NC | 1 | $ 178,000 | $ 178,000 | $ 45,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 1 | $ 308,000 | $ 308,000 | $ 53,000 |
| ST. LOUIS, MO-IL | 1 | $ 76,000 | $ 76,000 | $ 45,000 |
| STEUBENVILLE-WEIRTON, OH-WV | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| SUMTER, SC | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| TERRE HAUTE, IN | 1 | $ 101,000 | $ 101,000 | $ 70,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 117,000 | $ 117,000 | $ 80,000 |
| WICHITA FALLS, TX | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| WINSTON-SALEM, NC | 1 | $ 100,000 | $ 100,000 | $ 73,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 1 | $ 121,000 | $ 121,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2012
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 | 1,609 | $185,064,000 | $115,000 | $413,000 | $55,000 | $600,000 |
| Refinancing | 265 | $29,131,000 | $109,000 | $352,000 | $63,000 | $192,000 |
| Home Improvement | 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 | 1,656 | $191,070,000 | $115,000 | $413,000 | $57,000 | $600,000 |
| Black or African American | 174 | $18,522,000 | $106,000 | $232,000 | $45,000 | $177,000 |
| Hispanic | 32 | $3,014,000 | $94,000 | $204,000 | $49,000 | $120,000 |
| American Indian or Alaskan Native | 6 | $629,000 | $104,000 | $140,000 | $50,000 | $98,000 |
| Asian | 2 | $486,000 | $243,000 | $308,000 | $49,000 | $53,000 |
| Not Provided | 2 | $198,000 | $99,000 | $115,000 | $34,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $276,000 | $138,000 | $169,000 | $66,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,289 | $148,815,000 | $115,000 | $309,000 | $54,000 | $600,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 456 | $47,800,000 | $104,000 | $413,000 | $63,000 | $425,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 129 | $17,580,000 | $136,000 | $266,000 | $45,000 | $136,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 982 | $107,493,000 | $109,000 | $335,000 | $51,000 | $600,000 |
| Application Withdrawn By Applicant | 485 | $56,315,000 | $116,000 | $413,000 | $61,000 | $306,000 |
| Loan Originated | 355 | $42,868,000 | $120,000 | $352,000 | $61,000 | $169,000 |
| Application Approved But Not Accepted | 51 | $7,211,000 | $141,000 | $331,000 | $66,000 | $160,000 |
| Loan Purchased By The Institution | 1 | $308,000 | $308,000 | $308,000 | $53,000 | $53,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $366,000 | $91,000 | $116,000 | $32,000 | $54,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cis Financial Services, Inc.'s 2012 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.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.