Cis Financial Services, Inc. Mortgage Lending & HMDA Data, 2016
In 2016, Cis Financial Services, Inc. of Hamilton, AL reported 5,577 mortgage applications totaling $1.0 billion, up 35% from 2015. The average application was for $186,706, and applicants reported an average income of $18,031. 19% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (238), Riverside-San Bernardino-Ontario, CA (205) and Virginia Beach-Norfolk-Newport News, VA-NC (171) (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 | 5,577 |
| Total Mortgage Loan Application Amount | $1,041,264,000 |
| Average Mortgage Loan Application Amount | $186,706 |
| Highest Mortgage Loan Application Amount | $761,000 |
| Average Applicant Income | $18,031 |
| Highest Applicant Income | $750,000 |
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records Cis Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 238 | $ 41,790,000 | $ 175,588 | $ 10,000 |
| Riverside-San Bernardino-Ontario, CA | 205 | $ 51,010,000 | $ 248,829 | $ 25,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 171 | $ 39,131,000 | $ 228,836 | $ 1,953 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 169 | $ 49,026,000 | $ 290,094 | $ 8,301 |
| Birmingham-Hoover, AL | 127 | $ 17,755,000 | $ 139,803 | $ 37,000 |
| Houston-The Woodlands-Sugar Land, TX | 122 | $ 19,905,000 | $ 163,155 | $ 3,000 |
| Gulfport-Biloxi-Pascagoula, MS | 113 | $ 12,387,000 | $ 109,619 | $ 42,000 |
| Charlotte-Concord-Gastonia, NC-SC | 112 | $ 19,048,000 | $ 170,071 | $ 7,785 |
| Los Angeles-Long Beach-Glendale, CA | 111 | $ 36,026,000 | $ 324,558 | $ 43,000 |
| Alexandria, LA | 96 | $ 13,519,000 | $ 140,822 | $ 29,000 |
| Tampa-St. Petersburg-Clearwater, FL | 96 | $ 19,851,000 | $ 206,781 | $ 14,000 |
| Baltimore-Columbia-Towson, MD | 92 | $ 21,227,000 | $ 230,728 | $ 3,000 |
| Richmond, VA | 80 | $ 16,116,000 | $ 201,450 | $ 3,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 78 | $ 14,433,000 | $ 185,038 | $ 24,000 |
| Dallas-Plano-Irving, TX | 75 | $ 12,660,000 | $ 168,800 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 69 | $ 14,197,000 | $ 205,753 | $ 3,000 |
| Jacksonville, FL | 68 | $ 13,423,000 | $ 197,397 | $ 2,000 |
| Denver-Aurora-Lakewood, CO | 58 | $ 12,836,000 | $ 221,310 | $ 13,000 |
| Phoenix-Mesa-Scottsdale, AZ | 57 | $ 10,498,000 | $ 184,175 | $ 2,000 |
| Raleigh, NC | 57 | $ 10,613,000 | $ 186,192 | $ 8,000 |
| Fort Worth-Arlington, TX | 55 | $ 8,926,000 | $ 162,290 | $ 6,000 |
| Las Vegas-Henderson-Paradise, NV | 55 | $ 10,989,000 | $ 199,800 | $ 11,000 |
| Knoxville, TN | 50 | $ 7,323,000 | $ 146,460 | $ 36,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 47 | $ 10,564,000 | $ 224,765 | $ 5,000 |
| Elizabethtown-Fort Knox, KY | 46 | $ 5,743,000 | $ 124,847 | $ 35,000 |
| Lafayette, LA | 45 | $ 5,987,000 | $ 133,044 | $ 61,000 |
| San Antonio-New Braunfels, TX | 45 | $ 8,287,000 | $ 184,155 | $ 7,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 44 | $ 10,745,000 | $ 244,204 | $ 17,000 |
| San Diego-Carlsbad, CA | 44 | $ 14,731,000 | $ 334,795 | $ 25,000 |
| Colorado Springs, CO | 35 | $ 7,235,000 | $ 206,714 | $ 36,000 |
| Austin-Round Rock, TX | 34 | $ 5,800,000 | $ 170,588 | $ 4,000 |
| Huntsville, AL | 32 | $ 6,382,000 | $ 199,437 | $ 18,000 |
| Oakland-Hayward-Berkeley, CA | 32 | $ 10,022,000 | $ 313,187 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 31 | $ 5,462,000 | $ 176,193 | $ 20,322 |
| Seattle-Bellevue-Everett, WA | 30 | $ 7,220,000 | $ 240,666 | $ 13,000 |
| Chicago-Naperville-Arlington Heights, IL | 29 | $ 5,339,000 | $ 184,103 | $ 19,000 |
| Columbus, GA-AL | 29 | $ 4,873,000 | $ 168,034 | $ 11,551 |
| Philadelphia, PA | 29 | $ 5,203,000 | $ 179,413 | $ 0 |
| Fayetteville, NC | 27 | $ 4,849,000 | $ 179,592 | $ 0 |
| New Orleans-Metairie, LA | 26 | $ 3,903,000 | $ 150,115 | $ 5,000 |
| Pensacola-Ferry Pass-Brent, FL | 26 | $ 5,253,000 | $ 202,038 | $ 11,000 |
| Chattanooga, TN-GA | 25 | $ 3,838,000 | $ 153,520 | $ 19,680 |
| Louisville/Jefferson County, KY-IN | 25 | $ 3,676,000 | $ 147,040 | $ 31,880 |
| Memphis, TN-MS-AR | 25 | $ 4,186,000 | $ 167,440 | $ 10,640 |
| Portland-Vancouver-Hillsboro, OR-WA | 25 | $ 5,659,000 | $ 226,360 | $ 15,160 |
| Jacksonville, NC | 24 | $ 4,175,000 | $ 173,958 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 24 | $ 4,480,000 | $ 186,666 | $ 0 |
| Charleston-North Charleston, SC | 23 | $ 3,853,000 | $ 167,521 | $ 40,000 |
| Montgomery, AL | 23 | $ 3,117,000 | $ 135,521 | $ 34,000 |
| Clarksville, TN-KY | 22 | $ 4,212,000 | $ 191,454 | $ 0 |
| Fresno, CA | 22 | $ 4,061,000 | $ 184,590 | $ 11,000 |
| Montgomery County-Bucks County-Chester County, PA | 22 | $ 4,700,000 | $ 213,636 | $ 6,000 |
| Lakeland-Winter Haven, FL | 21 | $ 4,340,000 | $ 206,666 | $ 0 |
| Oklahoma City, OK | 21 | $ 3,331,000 | $ 158,619 | $ 7,000 |
| Savannah, GA | 21 | $ 3,941,000 | $ 187,666 | $ 18,000 |
| Silver Spring-Frederick-Rockville, MD | 21 | $ 5,465,000 | $ 260,238 | $ 2,000 |
| Baton Rouge, LA | 20 | $ 3,066,000 | $ 153,300 | $ 36,000 |
| Salt Lake City, UT | 20 | $ 4,023,000 | $ 201,150 | $ 17,000 |
| Tuscaloosa, AL | 18 | $ 2,521,000 | $ 140,055 | $ 36,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 18 | $ 3,642,000 | $ 202,333 | $ 4,000 |
| Bakersfield, CA | 17 | $ 3,369,000 | $ 198,176 | $ 5,000 |
| El Paso, TX | 17 | $ 2,688,000 | $ 158,117 | $ 2,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 3,469,000 | $ 204,058 | $ 8,000 |
| New York-Jersey City-White Plains, NY-NJ | 17 | $ 4,336,000 | $ 255,058 | $ 4,000 |
| Roanoke, VA | 17 | $ 3,039,000 | $ 178,764 | $ 0 |
| Tacoma-Lakewood, WA | 17 | $ 4,222,000 | $ 248,352 | $ 15,000 |
| Warner Robins, GA | 17 | $ 2,975,000 | $ 175,000 | $ 1,000 |
| Winston-Salem, NC | 17 | $ 2,401,000 | $ 141,235 | $ 3,000 |
| Albuquerque, NM | 16 | $ 2,760,000 | $ 172,500 | $ 4,000 |
| Columbia, SC | 16 | $ 2,845,000 | $ 177,812 | $ 31,000 |
| Fort Smith, AR-OK | 16 | $ 1,822,000 | $ 113,875 | $ 31,500 |
| Indianapolis-Carmel-Anderson, IN | 16 | $ 2,456,000 | $ 153,500 | $ 0 |
| Mobile, AL | 16 | $ 3,035,000 | $ 189,687 | $ 20,000 |
| Cincinnati, OH-KY-IN | 15 | $ 2,216,000 | $ 147,733 | $ 6,333 |
| Decatur, AL | 15 | $ 2,310,000 | $ 154,000 | $ 35,000 |
| Greensboro-High Point, NC | 15 | $ 2,641,000 | $ 176,066 | $ 2,000 |
| Greenville-Anderson-Mauldin, SC | 15 | $ 2,361,000 | $ 157,400 | $ 13,000 |
| Jackson, MS | 15 | $ 1,934,000 | $ 128,933 | $ 61,000 |
| North Port-Sarasota-Bradenton, FL | 15 | $ 3,897,000 | $ 259,800 | $ 5,000 |
| Stockton-Lodi, CA | 15 | $ 3,663,000 | $ 244,200 | $ 22,000 |
| Vallejo-Fairfield, CA | 15 | $ 3,898,000 | $ 259,866 | $ 17,000 |
| Gary, IN | 14 | $ 2,647,000 | $ 189,071 | $ 2,000 |
| Hartford-West Hartford-East Hartford, CT | 14 | $ 2,913,000 | $ 208,071 | $ 0 |
| Newark, NJ-PA | 14 | $ 3,354,000 | $ 239,571 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 5,458,000 | $ 419,846 | $ 37,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 2,891,000 | $ 222,384 | $ 11,000 |
| Macon, GA | 13 | $ 1,560,000 | $ 120,000 | $ 21,000 |
| Shreveport-Bossier City, LA | 13 | $ 2,176,000 | $ 167,384 | $ 11,000 |
| Spokane-Spokane Valley, WA | 13 | $ 2,343,000 | $ 180,230 | $ 7,000 |
| Tulsa, OK | 13 | $ 2,038,000 | $ 156,769 | $ 40,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 12 | $ 2,585,000 | $ 215,416 | $ 0 |
| Camden, NJ | 12 | $ 2,037,000 | $ 169,750 | $ 0 |
| Killeen-Temple, TX | 12 | $ 1,842,000 | $ 153,500 | $ 6,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 2,130,000 | $ 177,500 | $ 16,000 |
| Morristown, TN | 12 | $ 1,581,000 | $ 131,750 | $ 30,000 |
| New Haven-Milford, CT | 12 | $ 2,345,000 | $ 195,416 | $ 15,000 |
| Lynchburg, VA | 11 | $ 2,336,000 | $ 212,363 | $ 14,000 |
| Merced, CA | 11 | $ 2,529,000 | $ 229,909 | $ 37,000 |
| Pittsburgh, PA | 11 | $ 1,992,000 | $ 181,090 | $ 14,000 |
| Tucson, AZ | 11 | $ 1,979,000 | $ 179,909 | $ 17,000 |
| Asheville, NC | 10 | $ 1,816,000 | $ 181,600 | $ 6,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,350,000 | $ 235,000 | $ 0 |
| Columbus, OH | 10 | $ 1,515,000 | $ 151,500 | $ 0 |
| Daphne-Fairhope-Foley, AL | 10 | $ 1,689,000 | $ 168,900 | $ 40,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,183,000 | $ 218,300 | $ 0 |
| Florence-Muscle Shoals, AL | 10 | $ 1,604,000 | $ 160,400 | $ 38,000 |
| Houma-Thibodaux, LA | 10 | $ 1,222,000 | $ 122,200 | $ 44,000 |
| Little Rock-North Little Rock-Conway, AR | 10 | $ 1,648,000 | $ 164,800 | $ 25,000 |
| Corpus Christi, TX | 9 | $ 1,593,000 | $ 177,000 | $ 19,000 |
| Crestview-Fort Walton Beach-Destin, FL | 9 | $ 1,727,000 | $ 191,888 | $ 22,000 |
| Homosassa Springs, FL | 9 | $ 1,348,000 | $ 149,777 | $ 37,000 |
| New Bern, NC | 9 | $ 1,407,000 | $ 156,333 | $ 2,000 |
| Wilmington, NC | 9 | $ 1,762,000 | $ 195,777 | $ 6,000 |
| Cleveland-Elyria, OH | 8 | $ 1,323,000 | $ 165,375 | $ 0 |
| Dothan, AL | 8 | $ 1,528,000 | $ 191,000 | $ 13,000 |
| Harrisburg-Carlisle, PA | 8 | $ 1,525,000 | $ 190,625 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 8 | $ 1,423,000 | $ 177,875 | $ 8,000 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 1,323,000 | $ 165,375 | $ 14,250 |
| Modesto, CA | 8 | $ 1,659,000 | $ 207,375 | $ 22,000 |
| Monroe, LA | 8 | $ 977,000 | $ 122,125 | $ 34,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 2,636,000 | $ 329,500 | $ 21,000 |
| Anniston-Oxford-Jacksonville, AL | 7 | $ 992,000 | $ 141,714 | $ 10,000 |
| Bremerton-Silverdale, WA | 7 | $ 1,457,000 | $ 208,142 | $ 25,000 |
| El Centro, CA | 7 | $ 1,390,000 | $ 198,571 | $ 47,000 |
| Gainesville, FL | 7 | $ 1,252,000 | $ 178,857 | $ 0 |
| Gainesville, GA | 7 | $ 959,000 | $ 137,000 | $ 32,000 |
| Greeley, CO | 7 | $ 1,380,000 | $ 197,142 | $ 13,000 |
| Hinesville, GA | 7 | $ 910,000 | $ 130,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,277,000 | $ 182,428 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 1,455,000 | $ 207,857 | $ 0 |
| Port St. Lucie, FL | 7 | $ 1,413,000 | $ 201,857 | $ 0 |
| Rocky Mount, NC | 7 | $ 1,024,000 | $ 146,285 | $ 14,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 3,122,000 | $ 446,000 | $ 48,000 |
| Visalia-Porterville, CA | 7 | $ 1,185,000 | $ 169,285 | $ 21,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,932,000 | $ 276,000 | $ 0 |
| Yuba City, CA | 7 | $ 1,437,000 | $ 205,285 | $ 20,000 |
| Auburn-Opelika, AL | 6 | $ 1,316,000 | $ 219,333 | $ 7,000 |
| Bowling Green, KY | 6 | $ 821,000 | $ 136,833 | $ 44,000 |
| Brunswick, GA | 6 | $ 959,000 | $ 159,833 | $ 49,000 |
| California-Lexington Park, MD | 6 | $ 2,042,000 | $ 340,333 | $ 0 |
| Fort Collins, CO | 6 | $ 1,213,000 | $ 202,166 | $ 6,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,140,000 | $ 190,000 | $ 0 |
| Ocala, FL | 6 | $ 1,383,000 | $ 230,500 | $ 0 |
| Olympia-Tumwater, WA | 6 | $ 1,121,000 | $ 186,833 | $ 29,000 |
| Panama City, FL | 6 | $ 1,367,000 | $ 227,833 | $ 39,000 |
| Redding, CA | 6 | $ 1,293,000 | $ 215,500 | $ 0 |
| Salem, OR | 6 | $ 1,015,000 | $ 169,166 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 6 | $ 1,214,000 | $ 202,333 | $ 19,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 894,000 | $ 149,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 706,000 | $ 141,200 | $ 0 |
| Brownsville-Harlingen, TX | 5 | $ 803,000 | $ 160,600 | $ 0 |
| Chico, CA | 5 | $ 889,000 | $ 177,800 | $ 28,000 |
| Dalton, GA | 5 | $ 559,000 | $ 111,800 | $ 8,000 |
| Goldsboro, NC | 5 | $ 1,001,000 | $ 200,200 | $ 0 |
| Grand Junction, CO | 5 | $ 942,000 | $ 188,400 | $ 0 |
| Hanford-Corcoran, CA | 5 | $ 902,000 | $ 180,400 | $ 0 |
| Harrisonburg, VA | 5 | $ 964,000 | $ 192,800 | $ 10,000 |
| Hattiesburg, MS | 5 | $ 639,000 | $ 127,800 | $ 41,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 859,000 | $ 171,800 | $ 0 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,087,000 | $ 217,400 | $ 19,000 |
| Lebanon, PA | 5 | $ 856,000 | $ 171,200 | $ 28,000 |
| Ogden-Clearfield, UT | 5 | $ 994,000 | $ 198,800 | $ 46,000 |
| Pueblo, CO | 5 | $ 786,000 | $ 157,200 | $ 15,000 |
| Punta Gorda, FL | 5 | $ 821,000 | $ 164,200 | $ 62,000 |
| Tallahassee, FL | 5 | $ 880,000 | $ 176,000 | $ 0 |
| The Villages, FL | 5 | $ 1,183,000 | $ 236,600 | $ 0 |
| York-Hanover, PA | 5 | $ 885,000 | $ 177,000 | $ 0 |
| Bellingham, WA | 4 | $ 947,000 | $ 236,750 | $ 45,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 993,000 | $ 248,250 | $ 0 |
| Burlington, NC | 4 | $ 703,000 | $ 175,750 | $ 0 |
| Chambersburg-Waynesboro, PA | 4 | $ 709,000 | $ 177,250 | $ 0 |
| Eugene, OR | 4 | $ 1,035,000 | $ 258,750 | $ 0 |
| Greenville, NC | 4 | $ 827,000 | $ 206,750 | $ 0 |
| Johnson City, TN | 4 | $ 651,000 | $ 162,750 | $ 0 |
| Lawton, OK | 4 | $ 756,000 | $ 189,000 | $ 0 |
| Madera, CA | 4 | $ 765,000 | $ 191,250 | $ 37,000 |
| Midland, TX | 4 | $ 771,000 | $ 192,750 | $ 0 |
| Odessa, TX | 4 | $ 766,000 | $ 191,500 | $ 0 |
| Reno, NV | 4 | $ 839,000 | $ 209,750 | $ 0 |
| Salinas, CA | 4 | $ 992,000 | $ 248,000 | $ 0 |
| St. Louis, MO-IL | 4 | $ 723,000 | $ 180,750 | $ 18,000 |
| Trenton, NJ | 4 | $ 1,139,000 | $ 284,750 | $ 16,000 |
| Tyler, TX | 4 | $ 727,000 | $ 181,750 | $ 24,000 |
| Abilene, TX | 3 | $ 419,000 | $ 139,666 | $ 0 |
| Albany, GA | 3 | $ 486,000 | $ 162,000 | $ 0 |
| Amarillo, TX | 3 | $ 456,000 | $ 152,000 | $ 0 |
| Athens-Clarke County, GA | 3 | $ 473,000 | $ 157,666 | $ 16,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 705,000 | $ 235,000 | $ 0 |
| Cleveland, TN | 3 | $ 491,000 | $ 163,666 | $ 0 |
| Dayton, OH | 3 | $ 551,000 | $ 183,666 | $ 0 |
| East Stroudsburg, PA | 3 | $ 711,000 | $ 237,000 | $ 0 |
| Evansville, IN-KY | 3 | $ 492,000 | $ 164,000 | $ 0 |
| Farmington, NM | 3 | $ 455,000 | $ 151,666 | $ 23,000 |
| Gadsden, AL | 3 | $ 479,000 | $ 159,666 | $ 12,000 |
| Hammond, LA | 3 | $ 519,000 | $ 173,000 | $ 46,000 |
| Jonesboro, AR | 3 | $ 384,000 | $ 128,000 | $ 0 |
| Kansas City, MO-KS | 3 | $ 516,000 | $ 172,000 | $ 0 |
| Lancaster, PA | 3 | $ 576,000 | $ 192,000 | $ 0 |
| Laredo, TX | 3 | $ 573,000 | $ 191,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 752,000 | $ 250,666 | $ 0 |
| Owensboro, KY | 3 | $ 481,000 | $ 160,333 | $ 11,000 |
| Reading, PA | 3 | $ 475,000 | $ 158,333 | $ 0 |
| South Bend-Mishawaka, IN-MI | 3 | $ 487,000 | $ 162,333 | $ 17,000 |
| Spartanburg, SC | 3 | $ 387,000 | $ 129,000 | $ 38,000 |
| Springfield, IL | 3 | $ 389,000 | $ 129,666 | $ 0 |
| Wenatchee, WA | 3 | $ 748,000 | $ 249,333 | $ 0 |
| Wichita, KS | 3 | $ 499,000 | $ 166,333 | $ 0 |
| Yakima, WA | 3 | $ 348,000 | $ 116,000 | $ 4,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 577,000 | $ 192,333 | $ 16,000 |
| Beaumont-Port Arthur, TX | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Charlottesville, VA | 2 | $ 257,000 | $ 128,500 | $ 0 |
| College Station-Bryan, TX | 2 | $ 318,000 | $ 159,000 | $ 0 |
| Erie, PA | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 2 | $ 373,000 | $ 186,500 | $ 0 |
| Green Bay, WI | 2 | $ 260,000 | $ 130,000 | $ 30,000 |
| Kennewick-Richland, WA | 2 | $ 469,000 | $ 234,500 | $ 0 |
| Las Cruces, NM | 2 | $ 269,000 | $ 134,500 | $ 24,000 |
| Lexington-Fayette, KY | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Medford, OR | 2 | $ 338,000 | $ 169,000 | $ 45,000 |
| Michigan City-La Porte, IN | 2 | $ 359,000 | $ 179,500 | $ 0 |
| Norwich-New London, CT | 2 | $ 583,000 | $ 291,500 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 284,000 | $ 142,000 | $ 35,000 |
| Peoria, IL | 2 | $ 308,000 | $ 154,000 | $ 0 |
| Prescott, AZ | 2 | $ 351,000 | $ 175,500 | $ 0 |
| Provo-Orem, UT | 2 | $ 309,000 | $ 154,500 | $ 47,000 |
| Saginaw, MI | 2 | $ 267,000 | $ 133,500 | $ 0 |
| San Angelo, TX | 2 | $ 302,000 | $ 151,000 | $ 0 |
| San Juan-Caguas-Guaynabo, PR | 2 | $ 546,000 | $ 273,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 2 | $ 715,000 | $ 357,500 | $ 56,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 493,000 | $ 246,500 | $ 0 |
| Santa Rosa, CA | 2 | $ 1,034,000 | $ 517,000 | $ 0 |
| Sebastian-Vero Beach, FL | 2 | $ 547,000 | $ 273,500 | $ 0 |
| Sebring, FL | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Staunton-Waynesboro, VA | 2 | $ 456,000 | $ 228,000 | $ 0 |
| Sumter, SC | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Valdosta, GA | 2 | $ 298,000 | $ 149,000 | $ 0 |
| Vineland-Bridgeton, NJ | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Akron, OH | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Albany, OR | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Altoona, PA | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Arecibo, PR | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Bloomington, IN | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Bloomsburg-Berwick, PA | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Boulder, CO | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Carson City, NV | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Danville, IL | 1 | $ 99,000 | $ 99,000 | $ 21,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Eau Claire, WI | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 182,000 | $ 182,000 | $ 101,000 |
| Flint, MI | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Florence, SC | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Grants Pass, OR | 1 | $ 134,000 | $ 134,000 | $ 22,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Janesville-Beloit, WI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lafayette-West Lafayette, IN | 1 | $ 138,000 | $ 138,000 | $ 115,000 |
| Lewiston, ID-WA | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Longview, TX | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Longview, WA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lubbock, TX | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Madison, WI | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Mansfield, OH | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Midland, MI | 1 | $ 183,000 | $ 183,000 | $ 13,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Monroe, MI | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Ocean City, NJ | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Oshkosh-Neenah, WI | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| Racine, WI | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Rome, GA | 1 | $ 146,000 | $ 146,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 397,000 | $ 397,000 | $ 81,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 447,000 | $ 447,000 | $ 0 |
| San Rafael, CA | 1 | $ 499,000 | $ 499,000 | $ 119,000 |
| Santa Fe, NM | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Springfield, OH | 1 | $ 148,000 | $ 148,000 | $ 0 |
| State College, PA | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Victoria, TX | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Waco, TX | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Walla Walla, WA | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 172,000 | $ 172,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2016
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 | 4,245 | $862,108,000 | $203,000 | $761,000 | $8,000 | $281,000 |
| Home Purchase | 1,332 | $179,156,000 | $134,000 | $636,000 | $50,000 | $750,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 2,781 | $577,703,000 | $207,000 | $761,000 | $9,000 | $750,000 |
| White | 1,837 | $281,643,000 | $153,000 | $636,000 | $32,000 | $680,000 |
| Black or African American | 630 | $114,901,000 | $182,000 | $544,000 | $12,000 | $150,000 |
| Hispanic | 239 | $48,253,000 | $201,000 | $639,000 | $21,000 | $154,000 |
| Asian | 37 | $9,085,000 | $245,000 | $589,000 | $36,000 | $199,000 |
| American Indian or Alaskan Native | 23 | $4,228,000 | $183,000 | $311,000 | $34,000 | $122,000 |
| Not applicable | 19 | $3,590,000 | $188,000 | $448,000 | $37,000 | $142,000 |
| Native Hawaiin or Other Pacific Islander | 11 | $1,861,000 | $169,000 | $270,000 | $27,000 | $69,000 |
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) | 3,466 | $594,053,000 | $171,000 | $639,000 | $19,000 | $750,000 |
| VA-guaranteed (Veterans Administration) | 1,751 | $395,107,000 | $225,000 | $761,000 | $6,000 | $211,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 230 | $36,967,000 | $160,000 | $446,000 | $77,000 | $680,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 130 | $15,137,000 | $116,000 | $283,000 | $38,000 | $97,000 |
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 | 3,236 | $685,610,000 | $211,000 | $761,000 | $11,000 | $680,000 |
| Loan Originated | 1,063 | $182,959,000 | $172,000 | $639,000 | $14,000 | $281,000 |
| Application Withdrawn By Applicant | 678 | $100,934,000 | $148,000 | $544,000 | $42,000 | $280,000 |
| Application Denied By Financial Institution | 598 | $71,532,000 | $119,000 | $419,000 | $35,000 | $750,000 |
| Application Approved But Not Accepted | 2 | $229,000 | $114,000 | $130,000 | $68,000 | $101,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $634,000 | $105,000 | $185,000 | $32,000 | $65,000 |
| Other | 4 | $320,000 | $80,000 | $87,000 | $29,000 | $58,000 |
| Debt-To-Income Ratio | 3 | $278,000 | $92,000 | $109,000 | $34,000 | $50,000 |
| Employment History | 1 | $254,000 | $254,000 | $254,000 | $45,000 | $45,000 |
| Unverifiable Information | 1 | $142,000 | $142,000 | $142,000 | $48,000 | $48,000 |
| Collateral | 1 | $20,000 | $20,000 | $20,000 | $18,000 | $18,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cis Financial Services, Inc.'s 2016 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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