Cis Financial Services, Inc. Mortgage Lending & HMDA Data, 2014
In 2014, Cis Financial Services, Inc. of Hamilton, AL reported 3,168 mortgage applications totaling $546.2 million, down 11% from 2013. The average application was for $172,406, and applicants reported an average income of $18,878. 12% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (165), Riverside-San Bernardino-Ontario, CA (124) and Virginia Beach-Norfolk-Newport News, VA-NC (102) (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 | 3,168 |
| Total Mortgage Loan Application Amount | $546,185,000 |
| Average Mortgage Loan Application Amount | $172,406 |
| Highest Mortgage Loan Application Amount | $712,000 |
| Average Applicant Income | $18,878 |
| Highest Applicant Income | $398,000 |
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records Cis Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 165 | $ 25,667,000 | $ 155,557 | $ 11,000 |
| Riverside-San Bernardino-Ontario, CA | 124 | $ 29,988,000 | $ 241,838 | $ 48,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 102 | $ 20,762,000 | $ 203,549 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 97 | $ 24,456,000 | $ 252,123 | $ 14,731 |
| Houston-The Woodlands-Sugar Land, TX | 92 | $ 13,825,000 | $ 150,271 | $ 17,000 |
| Dallas-Plano-Irving, TX | 82 | $ 12,405,000 | $ 151,280 | $ 2,000 |
| Los Angeles-Long Beach-Glendale, CA | 82 | $ 23,490,000 | $ 286,463 | $ 66,000 |
| Baltimore-Columbia-Towson, MD | 74 | $ 15,285,000 | $ 206,554 | $ 4,000 |
| Denver-Aurora-Lakewood, CO | 69 | $ 12,773,000 | $ 185,115 | $ 6,000 |
| Charlotte-Concord-Gastonia, NC-SC | 61 | $ 9,743,000 | $ 159,721 | $ 0 |
| Fort Worth-Arlington, TX | 56 | $ 8,727,000 | $ 155,839 | $ 6,000 |
| Richmond, VA | 53 | $ 9,750,000 | $ 183,962 | $ 6,000 |
| San Antonio-New Braunfels, TX | 53 | $ 8,062,000 | $ 152,113 | $ 9,000 |
| Austin-Round Rock, TX | 46 | $ 6,736,000 | $ 146,434 | $ 6,000 |
| Birmingham-Hoover, AL | 40 | $ 5,406,000 | $ 135,150 | $ 47,000 |
| Alexandria, LA | 35 | $ 5,160,000 | $ 147,428 | $ 47,000 |
| Anaheim-Santa Ana-Irvine, CA | 31 | $ 10,674,000 | $ 344,322 | $ 84,000 |
| Raleigh, NC | 30 | $ 4,483,000 | $ 149,433 | $ 2,000 |
| Colorado Springs, CO | 28 | $ 5,414,000 | $ 193,357 | $ 8,000 |
| New Orleans-Metairie, LA | 27 | $ 3,913,000 | $ 144,925 | $ 15,000 |
| Augusta-Richmond County, GA-SC | 26 | $ 3,930,000 | $ 151,153 | $ 3,692 |
| Louisville/Jefferson County, KY-IN | 26 | $ 3,621,000 | $ 139,269 | $ 30,923 |
| Tacoma-Lakewood, WA | 25 | $ 5,348,000 | $ 213,920 | $ 18,000 |
| San Diego-Carlsbad, CA | 23 | $ 7,066,000 | $ 307,217 | $ 43,000 |
| Elizabethtown-Fort Knox, KY | 22 | $ 2,619,000 | $ 119,045 | $ 43,000 |
| Killeen-Temple, TX | 22 | $ 3,070,000 | $ 139,545 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 22 | $ 5,033,000 | $ 228,772 | $ 42,000 |
| Phoenix-Mesa-Scottsdale, AZ | 21 | $ 3,294,000 | $ 156,857 | $ 13,000 |
| Columbus, GA-AL | 20 | $ 3,533,000 | $ 176,650 | $ 4,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 20 | $ 3,209,000 | $ 160,450 | $ 13,000 |
| Jacksonville, FL | 19 | $ 3,361,000 | $ 176,894 | $ 3,000 |
| Tampa-St. Petersburg-Clearwater, FL | 19 | $ 3,384,000 | $ 178,105 | $ 10,000 |
| El Paso, TX | 18 | $ 2,578,000 | $ 143,222 | $ 0 |
| Fayetteville, NC | 18 | $ 2,964,000 | $ 164,666 | $ 0 |
| Jacksonville, NC | 18 | $ 2,611,000 | $ 145,055 | $ 6,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 18 | $ 3,384,000 | $ 188,000 | $ 12,555 |
| Greensboro-High Point, NC | 17 | $ 2,584,000 | $ 152,000 | $ 2,000 |
| Oakland-Hayward-Berkeley, CA | 17 | $ 5,305,000 | $ 312,058 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 3,966,000 | $ 247,875 | $ 8,000 |
| Bakersfield, CA | 15 | $ 2,571,000 | $ 171,400 | $ 30,000 |
| Albuquerque, NM | 14 | $ 2,632,000 | $ 188,000 | $ 0 |
| Oklahoma City, OK | 14 | $ 1,849,000 | $ 132,071 | $ 13,000 |
| Winston-Salem, NC | 14 | $ 2,024,000 | $ 144,571 | $ 5,000 |
| Columbia, SC | 13 | $ 2,385,000 | $ 183,461 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 13 | $ 1,864,000 | $ 143,384 | $ 18,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 2,311,000 | $ 177,769 | $ 3,000 |
| Kansas City, MO-KS | 13 | $ 2,280,000 | $ 175,384 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 1,893,000 | $ 145,615 | $ 7,000 |
| Warner Robins, GA | 13 | $ 1,838,000 | $ 141,384 | $ 11,000 |
| Durham-Chapel Hill, NC | 12 | $ 1,902,000 | $ 158,500 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 12 | $ 1,935,000 | $ 161,250 | $ 13,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,290,000 | $ 208,181 | $ 34,000 |
| Las Vegas-Henderson-Paradise, NV | 11 | $ 2,048,000 | $ 186,181 | $ 6,000 |
| Memphis, TN-MS-AR | 11 | $ 1,967,000 | $ 178,818 | $ 0 |
| Philadelphia, PA | 11 | $ 1,387,000 | $ 126,090 | $ 1,000 |
| Silver Spring-Frederick-Rockville, MD | 11 | $ 2,750,000 | $ 250,000 | $ 43,000 |
| Camden, NJ | 10 | $ 1,718,000 | $ 171,800 | $ 0 |
| Charleston-North Charleston, SC | 10 | $ 1,713,000 | $ 171,300 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 10 | $ 1,158,000 | $ 115,800 | $ 23,000 |
| Laredo, TX | 10 | $ 1,462,000 | $ 146,200 | $ 0 |
| Montgomery, AL | 10 | $ 1,375,000 | $ 137,500 | $ 25,000 |
| Pueblo, CO | 10 | $ 1,228,000 | $ 122,800 | $ 0 |
| Spokane-Spokane Valley, WA | 10 | $ 1,506,000 | $ 150,600 | $ 0 |
| Baton Rouge, LA | 9 | $ 1,271,000 | $ 141,222 | $ 26,000 |
| Clarksville, TN-KY | 9 | $ 1,430,000 | $ 158,888 | $ 0 |
| Florence-Muscle Shoals, AL | 9 | $ 875,000 | $ 97,222 | $ 43,000 |
| Johnson City, TN | 9 | $ 1,056,000 | $ 117,333 | $ 38,000 |
| Knoxville, TN | 9 | $ 1,079,000 | $ 119,888 | $ 15,000 |
| Lawton, OK | 9 | $ 1,918,000 | $ 213,111 | $ 13,000 |
| Newark, NJ-PA | 9 | $ 1,911,000 | $ 212,333 | $ 9,444 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 1,580,000 | $ 175,555 | $ 13,000 |
| Columbus, OH | 8 | $ 1,567,000 | $ 195,875 | $ 11,000 |
| Hinesville, GA | 8 | $ 1,186,000 | $ 148,250 | $ 8,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,195,000 | $ 149,375 | $ 8,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 1,105,000 | $ 138,125 | $ 28,750 |
| New Bern, NC | 8 | $ 1,339,000 | $ 167,375 | $ 5,000 |
| Providence-Warwick, RI-MA | 8 | $ 1,803,000 | $ 225,375 | $ 20,250 |
| Vallejo-Fairfield, CA | 8 | $ 2,095,000 | $ 261,875 | $ 32,000 |
| Brownsville-Harlingen, TX | 7 | $ 1,069,000 | $ 152,714 | $ 0 |
| Burlington, NC | 7 | $ 878,000 | $ 125,428 | $ 9,000 |
| Chattanooga, TN-GA | 7 | $ 1,012,000 | $ 144,571 | $ 36,285 |
| Dothan, AL | 7 | $ 998,000 | $ 142,571 | $ 36,000 |
| Las Cruces, NM | 7 | $ 825,000 | $ 117,857 | $ 33,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,000,000 | $ 142,857 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 989,000 | $ 141,285 | $ 0 |
| Modesto, CA | 7 | $ 1,110,000 | $ 158,571 | $ 15,000 |
| New Haven-Milford, CT | 7 | $ 1,347,000 | $ 192,428 | $ 0 |
| Pittsburgh, PA | 7 | $ 1,074,000 | $ 153,428 | $ 37,000 |
| Rocky Mount, NC | 7 | $ 942,000 | $ 134,571 | $ 0 |
| Savannah, GA | 7 | $ 1,180,000 | $ 168,571 | $ 8,000 |
| Tulsa, OK | 7 | $ 716,000 | $ 102,285 | $ 51,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,693,000 | $ 241,857 | $ 0 |
| Boulder, CO | 6 | $ 1,146,000 | $ 191,000 | $ 14,000 |
| Corpus Christi, TX | 6 | $ 1,139,000 | $ 189,833 | $ 22,000 |
| Houma-Thibodaux, LA | 6 | $ 950,000 | $ 158,333 | $ 51,000 |
| Huntsville, AL | 6 | $ 1,041,000 | $ 173,500 | $ 4,000 |
| Merced, CA | 6 | $ 1,358,000 | $ 226,333 | $ 28,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 6 | $ 850,000 | $ 141,666 | $ 0 |
| Asheville, NC | 5 | $ 737,000 | $ 147,400 | $ 9,000 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 785,000 | $ 157,000 | $ 0 |
| College Station-Bryan, TX | 5 | $ 638,000 | $ 127,600 | $ 27,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 681,000 | $ 136,200 | $ 7,000 |
| Gary, IN | 5 | $ 786,000 | $ 157,200 | $ 0 |
| Greeley, CO | 5 | $ 757,000 | $ 151,400 | $ 0 |
| Hammond, LA | 5 | $ 858,000 | $ 171,600 | $ 43,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 620,000 | $ 124,000 | $ 29,400 |
| Lake Charles, LA | 5 | $ 450,000 | $ 90,000 | $ 33,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 656,000 | $ 131,200 | $ 23,000 |
| Lynchburg, VA | 5 | $ 828,000 | $ 165,600 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 850,000 | $ 170,000 | $ 20,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 1,306,000 | $ 261,200 | $ 27,000 |
| Norwich-New London, CT | 5 | $ 1,141,000 | $ 228,200 | $ 14,000 |
| Shreveport-Bossier City, LA | 5 | $ 804,000 | $ 160,800 | $ 8,000 |
| Stockton-Lodi, CA | 5 | $ 1,266,000 | $ 253,200 | $ 20,000 |
| Visalia-Porterville, CA | 5 | $ 845,000 | $ 169,000 | $ 11,000 |
| Wichita, KS | 5 | $ 775,000 | $ 155,000 | $ 15,000 |
| Amarillo, TX | 4 | $ 462,000 | $ 115,500 | $ 7,000 |
| Auburn-Opelika, AL | 4 | $ 575,000 | $ 143,750 | $ 15,000 |
| Beaumont-Port Arthur, TX | 4 | $ 589,000 | $ 147,250 | $ 31,000 |
| Boston, MA | 4 | $ 1,023,000 | $ 255,750 | $ 16,000 |
| Bremerton-Silverdale, WA | 4 | $ 987,000 | $ 246,750 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 554,000 | $ 138,500 | $ 43,000 |
| Chico, CA | 4 | $ 840,000 | $ 210,000 | $ 0 |
| Cincinnati, OH-KY-IN | 4 | $ 700,000 | $ 175,000 | $ 0 |
| Cleveland-Elyria, OH | 4 | $ 807,000 | $ 201,750 | $ 36,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 576,000 | $ 144,000 | $ 5,000 |
| Fort Collins, CO | 4 | $ 615,000 | $ 153,750 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 691,000 | $ 172,750 | $ 0 |
| Hot Springs, AR | 4 | $ 403,000 | $ 100,750 | $ 26,000 |
| Lafayette, LA | 4 | $ 686,000 | $ 171,500 | $ 22,000 |
| Lexington-Fayette, KY | 4 | $ 599,000 | $ 149,750 | $ 0 |
| Mobile, AL | 4 | $ 563,000 | $ 140,750 | $ 51,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 579,000 | $ 144,750 | $ 15,000 |
| Panama City, FL | 4 | $ 601,000 | $ 150,250 | $ 0 |
| Roanoke, VA | 4 | $ 674,000 | $ 168,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,788,000 | $ 447,000 | $ 131,000 |
| Spartanburg, SC | 4 | $ 537,000 | $ 134,250 | $ 4,000 |
| Staunton-Waynesboro, VA | 4 | $ 595,000 | $ 148,750 | $ 0 |
| Tucson, AZ | 4 | $ 575,000 | $ 143,750 | $ 14,000 |
| Tuscaloosa, AL | 4 | $ 426,000 | $ 106,500 | $ 25,000 |
| Abilene, TX | 3 | $ 476,000 | $ 158,666 | $ 0 |
| Albany, GA | 3 | $ 567,000 | $ 189,000 | $ 0 |
| Albany, OR | 3 | $ 494,000 | $ 164,666 | $ 0 |
| Bowling Green, KY | 3 | $ 451,000 | $ 150,333 | $ 17,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 530,000 | $ 176,666 | $ 15,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 667,000 | $ 222,333 | $ 24,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 301,000 | $ 100,333 | $ 30,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 476,000 | $ 158,666 | $ 0 |
| Dalton, GA | 3 | $ 397,000 | $ 132,333 | $ 13,000 |
| Fresno, CA | 3 | $ 585,000 | $ 195,000 | $ 34,000 |
| Gainesville, GA | 3 | $ 459,000 | $ 153,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 454,000 | $ 151,333 | $ 22,000 |
| Harrisonburg, VA | 3 | $ 561,000 | $ 187,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 382,000 | $ 127,333 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 387,000 | $ 129,000 | $ 24,000 |
| Kennewick-Richland, WA | 3 | $ 428,000 | $ 142,666 | $ 0 |
| Lubbock, TX | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Macon, GA | 3 | $ 283,000 | $ 94,333 | $ 8,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 484,000 | $ 161,333 | $ 80,000 |
| Salem, OR | 3 | $ 555,000 | $ 185,000 | $ 0 |
| Sumter, SC | 3 | $ 441,000 | $ 147,000 | $ 0 |
| Valdosta, GA | 3 | $ 445,000 | $ 148,333 | $ 0 |
| Worcester, MA-CT | 3 | $ 836,000 | $ 278,666 | $ 0 |
| Yakima, WA | 3 | $ 376,000 | $ 125,333 | $ 0 |
| Yuba City, CA | 3 | $ 803,000 | $ 267,666 | $ 0 |
| Athens-Clarke County, GA | 2 | $ 277,000 | $ 138,500 | $ 0 |
| Atlantic City-Hammonton, NJ | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Bellingham, WA | 2 | $ 447,000 | $ 223,500 | $ 23,000 |
| Charlottesville, VA | 2 | $ 282,000 | $ 141,000 | $ 0 |
| Dayton, OH | 2 | $ 307,000 | $ 153,500 | $ 0 |
| Decatur, AL | 2 | $ 271,000 | $ 135,500 | $ 38,000 |
| Des Moines-West Des Moines, IA | 2 | $ 289,000 | $ 144,500 | $ 0 |
| El Centro, CA | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Erie, PA | 2 | $ 303,000 | $ 151,500 | $ 0 |
| Evansville, IN-KY | 2 | $ 368,000 | $ 184,000 | $ 36,000 |
| Farmington, NM | 2 | $ 341,000 | $ 170,500 | $ 32,000 |
| Fort Smith, AR-OK | 2 | $ 165,000 | $ 82,500 | $ 44,000 |
| Goldsboro, NC | 2 | $ 256,000 | $ 128,000 | $ 0 |
| Grand Junction, CO | 2 | $ 382,000 | $ 191,000 | $ 42,000 |
| Greenville, NC | 2 | $ 235,000 | $ 117,500 | $ 0 |
| Hattiesburg, MS | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 331,000 | $ 165,500 | $ 0 |
| Lebanon, PA | 2 | $ 251,000 | $ 125,500 | $ 0 |
| Monroe, LA | 2 | $ 306,000 | $ 153,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 256,000 | $ 128,000 | $ 18,000 |
| Odessa, TX | 2 | $ 296,000 | $ 148,000 | $ 0 |
| Olympia-Tumwater, WA | 2 | $ 357,000 | $ 178,500 | $ 0 |
| Redding, CA | 2 | $ 497,000 | $ 248,500 | $ 0 |
| Reno, NV | 2 | $ 392,000 | $ 196,000 | $ 56,000 |
| Salinas, CA | 2 | $ 607,000 | $ 303,500 | $ 28,000 |
| Salisbury, MD-DE | 2 | $ 302,000 | $ 151,000 | $ 0 |
| Salt Lake City, UT | 2 | $ 415,000 | $ 207,500 | $ 51,000 |
| Santa Fe, NM | 2 | $ 312,000 | $ 156,000 | $ 15,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 366,000 | $ 183,000 | $ 26,000 |
| Tallahassee, FL | 2 | $ 308,000 | $ 154,000 | $ 17,000 |
| Texarkana, TX-AR | 2 | $ 349,000 | $ 174,500 | $ 0 |
| Tyler, TX | 2 | $ 279,000 | $ 139,500 | $ 0 |
| Victoria, TX | 2 | $ 252,000 | $ 126,000 | $ 60,000 |
| Walla Walla, WA | 2 | $ 346,000 | $ 173,000 | $ 0 |
| Wilmington, NC | 2 | $ 336,000 | $ 168,000 | $ 0 |
| York-Hanover, PA | 2 | $ 258,000 | $ 129,000 | $ 0 |
| Akron, OH | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Altoona, PA | 1 | $ 73,000 | $ 73,000 | $ 48,000 |
| Appleton, WI | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Bloomington, IN | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Brunswick, GA | 1 | $ 306,000 | $ 306,000 | $ 0 |
| California-Lexington Park, MD | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Columbus, IN | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Elgin, IL | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Eugene, OR | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Florence, SC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Gainesville, FL | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Grants Pass, OR | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Jackson, MS | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Lancaster, PA | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Longview, TX | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Longview, WA | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Midland, TX | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Morristown, TN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Ocala, FL | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Ocean City, NJ | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 139,000 | $ 139,000 | $ 42,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 346,000 | $ 346,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 138,000 | $ 138,000 | $ 0 |
| San Angelo, TX | 1 | $ 130,000 | $ 130,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 463,000 | $ 463,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 328,000 | $ 328,000 | $ 60,000 |
| Santa Rosa, CA | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Sebring, FL | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 94,000 | $ 94,000 | $ 71,000 |
| Springfield, MA | 1 | $ 143,000 | $ 143,000 | $ 0 |
| The Villages, FL | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Trenton, NJ | 1 | $ 297,000 | $ 297,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Waco, TX | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 190,000 | $ 190,000 | $ 75,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Williamsport, PA | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Yuma, AZ | 1 | $ 165,000 | $ 165,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2014
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,582 | $460,019,000 | $178,000 | $712,000 | $10,000 | $300,000 |
| Home Purchase | 586 | $86,166,000 | $147,000 | $645,000 | $58,000 | $398,000 |
| 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 | 1,632 | $264,176,000 | $161,000 | $712,000 | $23,000 | $300,000 |
| Black or African American | 753 | $132,912,000 | $176,000 | $535,000 | $6,000 | $191,000 |
| Hispanic | 344 | $62,162,000 | $180,000 | $430,000 | $15,000 | $180,000 |
| Not Provided | 274 | $44,647,000 | $162,000 | $417,000 | $7,000 | $182,000 |
| Asian | 127 | $34,823,000 | $274,000 | $645,000 | $74,000 | $398,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $4,068,000 | $203,000 | $371,000 | $28,000 | $111,000 |
| American Indian or Alaskan Native | 12 | $2,342,000 | $195,000 | $365,000 | $15,000 | $91,000 |
| Not applicable | 6 | $1,055,000 | $175,000 | $282,000 | $10,000 | $61,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,833 | $284,781,000 | $155,000 | $712,000 | $14,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 916 | $180,306,000 | $196,000 | $555,000 | $4,000 | $175,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 374 | $76,666,000 | $204,000 | $645,000 | $77,000 | $398,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $4,432,000 | $98,000 | $180,000 | $37,000 | $72,000 |
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 Purchased By The Institution | 2,203 | $415,947,000 | $188,000 | $712,000 | $13,000 | $398,000 |
| Application Approved But Not Accepted | 431 | $55,494,000 | $128,000 | $417,000 | $39,000 | $300,000 |
| Loan Originated | 385 | $58,535,000 | $152,000 | $535,000 | $18,000 | $179,000 |
| Application Denied By Financial Institution | 124 | $13,334,000 | $107,000 | $200,000 | $46,000 | $180,000 |
| File Closed For Incompleteness | 21 | $2,416,000 | $115,000 | $265,000 | $50,000 | $200,000 |
| Application Withdrawn By Applicant | 4 | $459,000 | $114,000 | $214,000 | $57,000 | $136,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $328,000 | $164,000 | $188,000 | $85,000 | $109,000 |
| Employment History | 2 | $200,000 | $100,000 | $104,000 | $29,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $158,000 | $158,000 | $158,000 | $0 | $0 |
| Credit History | 1 | $124,000 | $124,000 | $124,000 | $105,000 | $105,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cis Financial Services, Inc.'s 2014 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.
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