Cis Financial Services, Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Cis Financial Services, Inc. of Hamilton, AL reported 2,085 mortgage applications totaling $338.6 million, down 47% from 2017. The average application was for $162,390, and applicants reported an average income of $66,908. 24% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Birmingham-Hoover, AL (73), Atlanta-Sandy Springs-Roswell, GA (68) and Florence-Muscle Shoals, AL (54) (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 | 2,085 |
| Total Mortgage Loan Application Amount | $338,585,000 |
| Average Mortgage Loan Application Amount | $162,390 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $66,908 |
| Highest Applicant Income | $360,000 |
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records Cis Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 560 | $ 68,650,000 | $ 122,589 | $ 53,909 |
| Birmingham-Hoover, AL | 73 | $ 11,145,000 | $ 152,671 | $ 66,000 |
| Atlanta-Sandy Springs-Roswell, GA | 68 | $ 12,740,000 | $ 187,352 | $ 82,000 |
| Florence-Muscle Shoals, AL | 54 | $ 6,140,000 | $ 113,703 | $ 59,000 |
| Lafayette, LA | 37 | $ 4,905,000 | $ 132,567 | $ 57,000 |
| Jacksonville, FL | 36 | $ 7,200,000 | $ 200,000 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 30 | $ 6,830,000 | $ 227,666 | $ 69,000 |
| Tampa-St. Petersburg-Clearwater, FL | 28 | $ 6,060,000 | $ 216,428 | $ 99,000 |
| Orlando-Kissimmee-Sanford, FL | 27 | $ 6,085,000 | $ 225,370 | $ 57,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 27 | $ 8,485,000 | $ 314,259 | $ 120,111 |
| Riverside-San Bernardino-Ontario, CA | 26 | $ 7,170,000 | $ 275,769 | $ 140,000 |
| Augusta-Richmond County, GA-SC | 25 | $ 4,235,000 | $ 169,400 | $ 61,640 |
| Decatur, AL | 24 | $ 3,040,000 | $ 126,666 | $ 69,000 |
| Charlotte-Concord-Gastonia, NC-SC | 22 | $ 4,780,000 | $ 217,272 | $ 62,000 |
| Knoxville, TN | 21 | $ 3,075,000 | $ 146,428 | $ 112,000 |
| Huntsville, AL | 19 | $ 3,035,000 | $ 159,736 | $ 49,000 |
| Los Angeles-Long Beach-Glendale, CA | 19 | $ 6,345,000 | $ 333,947 | $ 105,000 |
| Fayetteville, NC | 18 | $ 3,360,000 | $ 186,666 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 18 | $ 1,360,000 | $ 75,555 | $ 44,000 |
| Monroe, LA | 16 | $ 1,320,000 | $ 82,500 | $ 33,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 3,150,000 | $ 196,875 | $ 56,000 |
| Baltimore-Columbia-Towson, MD | 14 | $ 3,690,000 | $ 263,571 | $ 104,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 2,750,000 | $ 196,428 | $ 81,000 |
| Gulfport-Biloxi-Pascagoula, MS | 14 | $ 1,770,000 | $ 126,428 | $ 51,000 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 2,070,000 | $ 147,857 | $ 68,000 |
| Montgomery, AL | 14 | $ 1,810,000 | $ 129,285 | $ 65,000 |
| Jackson, MS | 12 | $ 1,370,000 | $ 114,166 | $ 48,000 |
| Lake Charles, LA | 11 | $ 1,295,000 | $ 117,727 | $ 71,000 |
| Mobile, AL | 10 | $ 1,390,000 | $ 139,000 | $ 78,000 |
| Pensacola-Ferry Pass-Brent, FL | 10 | $ 1,570,000 | $ 157,000 | $ 66,000 |
| Seattle-Bellevue-Everett, WA | 10 | $ 3,000,000 | $ 300,000 | $ 53,000 |
| Alexandria, LA | 9 | $ 1,205,000 | $ 133,888 | $ 66,000 |
| Daphne-Fairhope-Foley, AL | 9 | $ 1,355,000 | $ 150,555 | $ 66,000 |
| Jacksonville, NC | 9 | $ 1,715,000 | $ 190,555 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 2,495,000 | $ 277,222 | $ 36,000 |
| New Orleans-Metairie, LA | 9 | $ 1,265,000 | $ 140,555 | $ 53,000 |
| Raleigh, NC | 9 | $ 1,775,000 | $ 197,222 | $ 57,000 |
| Richmond, VA | 9 | $ 1,605,000 | $ 178,333 | $ 0 |
| Stockton-Lodi, CA | 9 | $ 2,155,000 | $ 239,444 | $ 97,000 |
| Baton Rouge, LA | 8 | $ 990,000 | $ 123,750 | $ 70,000 |
| Dallas-Plano-Irving, TX | 8 | $ 1,610,000 | $ 201,250 | $ 71,000 |
| Houma-Thibodaux, LA | 8 | $ 850,000 | $ 106,250 | $ 46,000 |
| Philadelphia, PA | 8 | $ 1,610,000 | $ 201,250 | $ 0 |
| Port St. Lucie, FL | 8 | $ 1,740,000 | $ 217,500 | $ 0 |
| Shreveport-Bossier City, LA | 8 | $ 830,000 | $ 103,750 | $ 58,000 |
| Tuscaloosa, AL | 8 | $ 2,040,000 | $ 255,000 | $ 64,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 2,240,000 | $ 280,000 | $ 0 |
| Colorado Springs, CO | 7 | $ 1,675,000 | $ 239,285 | $ 60,000 |
| Lakeland-Winter Haven, FL | 7 | $ 1,125,000 | $ 160,714 | $ 0 |
| Modesto, CA | 7 | $ 1,885,000 | $ 269,285 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,925,000 | $ 275,000 | $ 104,000 |
| Panama City, FL | 7 | $ 585,000 | $ 83,571 | $ 53,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 1,395,000 | $ 199,285 | $ 103,000 |
| Tallahassee, FL | 7 | $ 1,055,000 | $ 150,714 | $ 62,000 |
| Auburn-Opelika, AL | 6 | $ 1,540,000 | $ 256,666 | $ 92,000 |
| Bakersfield, CA | 6 | $ 1,530,000 | $ 255,000 | $ 0 |
| Columbus, GA-AL | 6 | $ 910,000 | $ 151,666 | $ 50,000 |
| Fort Worth-Arlington, TX | 6 | $ 950,000 | $ 158,333 | $ 101,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,340,000 | $ 223,333 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,560,000 | $ 260,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 1,800,000 | $ 300,000 | $ 76,000 |
| San Diego-Carlsbad, CA | 6 | $ 1,900,000 | $ 316,666 | $ 63,000 |
| Savannah, GA | 6 | $ 1,100,000 | $ 183,333 | $ 79,000 |
| Tacoma-Lakewood, WA | 6 | $ 1,760,000 | $ 293,333 | $ 49,000 |
| Cincinnati, OH-KY-IN | 5 | $ 675,000 | $ 135,000 | $ 0 |
| Clarksville, TN-KY | 5 | $ 955,000 | $ 191,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 1,055,000 | $ 211,000 | $ 37,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 905,000 | $ 181,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 5 | $ 1,775,000 | $ 355,000 | $ 54,000 |
| Dothan, AL | 5 | $ 725,000 | $ 145,000 | $ 69,000 |
| Fresno, CA | 5 | $ 1,115,000 | $ 223,000 | $ 58,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 855,000 | $ 171,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 5 | $ 835,000 | $ 167,000 | $ 70,200 |
| Memphis, TN-MS-AR | 5 | $ 875,000 | $ 175,000 | $ 72,200 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,125,000 | $ 225,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,035,000 | $ 207,000 | $ 108,000 |
| Owensboro, KY | 5 | $ 645,000 | $ 129,000 | $ 51,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,235,000 | $ 247,000 | $ 135,000 |
| Silver Spring-Frederick-Rockville, MD | 5 | $ 1,945,000 | $ 389,000 | $ 65,000 |
| Winston-Salem, NC | 5 | $ 785,000 | $ 157,000 | $ 67,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 710,000 | $ 177,500 | $ 67,000 |
| Asheville, NC | 4 | $ 1,210,000 | $ 302,500 | $ 114,000 |
| Austin-Round Rock, TX | 4 | $ 980,000 | $ 245,000 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,040,000 | $ 260,000 | $ 0 |
| Chattanooga, TN-GA | 4 | $ 700,000 | $ 175,000 | $ 106,000 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 1,080,000 | $ 270,000 | $ 0 |
| Dover, DE | 4 | $ 910,000 | $ 227,500 | $ 0 |
| Durham-Chapel Hill, NC | 4 | $ 790,000 | $ 197,500 | $ 58,000 |
| El Paso, TX | 4 | $ 610,000 | $ 152,500 | $ 0 |
| Gainesville, FL | 4 | $ 800,000 | $ 200,000 | $ 52,000 |
| Greensboro-High Point, NC | 4 | $ 520,000 | $ 130,000 | $ 0 |
| Greenville, NC | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Hattiesburg, MS | 4 | $ 350,000 | $ 87,500 | $ 42,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 820,000 | $ 205,000 | $ 0 |
| New Bern, NC | 4 | $ 510,000 | $ 127,500 | $ 0 |
| Olympia-Tumwater, WA | 4 | $ 1,070,000 | $ 267,500 | $ 127,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,430,000 | $ 357,500 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 640,000 | $ 160,000 | $ 0 |
| Albany, OR | 3 | $ 665,000 | $ 221,666 | $ 0 |
| Beaumont-Port Arthur, TX | 3 | $ 275,000 | $ 91,666 | $ 174,000 |
| Columbia, SC | 3 | $ 635,000 | $ 211,666 | $ 0 |
| Elizabethtown-Fort Knox, KY | 3 | $ 405,000 | $ 135,000 | $ 70,000 |
| Eugene, OR | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Evansville, IN-KY | 3 | $ 305,000 | $ 101,666 | $ 47,000 |
| Gainesville, GA | 3 | $ 495,000 | $ 165,000 | $ 46,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 535,000 | $ 178,333 | $ 0 |
| Medford, OR | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Merced, CA | 3 | $ 705,000 | $ 235,000 | $ 0 |
| Oklahoma City, OK | 3 | $ 565,000 | $ 188,333 | $ 148,000 |
| Pittsburgh, PA | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Reading, PA | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Salisbury, MD-DE | 3 | $ 715,000 | $ 238,333 | $ 0 |
| Spokane-Spokane Valley, WA | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Tulsa, OK | 3 | $ 205,000 | $ 68,333 | $ 56,000 |
| Wilmington, DE-MD-NJ | 3 | $ 905,000 | $ 301,666 | $ 0 |
| Abilene, TX | 2 | $ 220,000 | $ 110,000 | $ 61,000 |
| Albany, GA | 2 | $ 280,000 | $ 140,000 | $ 26,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 650,000 | $ 325,000 | $ 36,000 |
| Athens-Clarke County, GA | 2 | $ 230,000 | $ 115,000 | $ 54,000 |
| Bremerton-Silverdale, WA | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Cleveland-Elyria, OH | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Corpus Christi, TX | 2 | $ 160,000 | $ 80,000 | $ 91,000 |
| Fort Smith, AR-OK | 2 | $ 220,000 | $ 110,000 | $ 75,000 |
| Gadsden, AL | 2 | $ 220,000 | $ 110,000 | $ 39,000 |
| Gettysburg, PA | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Goldsboro, NC | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Harrisburg-Carlisle, PA | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Hinesville, GA | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Kennewick-Richland, WA | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Lebanon, PA | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Longview, TX | 2 | $ 240,000 | $ 120,000 | $ 105,000 |
| Madison, WI | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Newark, NJ-PA | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 810,000 | $ 405,000 | $ 62,000 |
| Ocala, FL | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Pine Bluff, AR | 2 | $ 220,000 | $ 110,000 | $ 66,000 |
| Prescott, AZ | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Pueblo, CO | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Punta Gorda, FL | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Reno, NV | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Rocky Mount, NC | 2 | $ 230,000 | $ 115,000 | $ 48,000 |
| Rome, GA | 2 | $ 190,000 | $ 95,000 | $ 39,000 |
| Salinas, CA | 2 | $ 290,000 | $ 145,000 | $ 110,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 420,000 | $ 210,000 | $ 0 |
| The Villages, FL | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Tucson, AZ | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Valdosta, GA | 2 | $ 300,000 | $ 150,000 | $ 33,000 |
| Warner Robins, GA | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Yakima, WA | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Bend-Redmond, OR | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Bloomington, IL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Bloomsburg-Berwick, PA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Boulder, CO | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Bowling Green, KY | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Brunswick, GA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Chico, CA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Columbus, IN | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Columbus, OH | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Dalton, GA | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Dayton, OH | 1 | $ 275,000 | $ 275,000 | $ 0 |
| El Centro, CA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Erie, PA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Flint, MI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Hammond, LA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jackson, TN | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Killeen-Temple, TX | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lancaster, PA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Madera, CA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Morristown, TN | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 215,000 | $ 215,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Odessa, TX | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Redding, CA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Roanoke, VA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Saginaw, MI | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Santa Fe, NM | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 315,000 | $ 315,000 | $ 128,000 |
| St. Louis, MO-IL | 1 | $ 15,000 | $ 15,000 | $ 17,000 |
| Tyler, TX | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| Victoria, TX | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 235,000 | $ 235,000 | $ 0 |
| York-Hanover, PA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Yuba City, CA | 1 | $ 175,000 | $ 175,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2018
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 | 1,165 | $142,695,000 | $122,000 | $525,000 | $57,000 | $360,000 |
| Refinancing | 659 | $138,465,000 | $210,000 | $845,000 | $84,000 | $270,000 |
| Cash-out Refinancing | 257 | $56,765,000 | $220,000 | $705,000 | $68,000 | $175,000 |
| Not Applicable | 4 | $660,000 | $165,000 | $215,000 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 912 | $117,060,000 | $128,000 | $845,000 | $62,000 | $360,000 |
| Not applicable | 771 | $165,795,000 | $215,000 | $705,000 | $0 | $0 |
| Black or African American | 237 | $31,885,000 | $134,000 | $475,000 | $54,000 | $202,000 |
| Not Provided | 100 | $14,160,000 | $141,000 | $305,000 | $58,000 | $161,000 |
| Hispanic | 49 | $7,745,000 | $158,000 | $355,000 | $63,000 | $214,000 |
| American Indian or Alaskan Native | 12 | $1,140,000 | $95,000 | $165,000 | $49,000 | $81,000 |
| Asian | 4 | $800,000 | $200,000 | $295,000 | $61,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 791 | $113,245,000 | $143,000 | $455,000 | $58,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 757 | $165,965,000 | $219,000 | $705,000 | $78,000 | $251,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 460 | $50,530,000 | $109,000 | $845,000 | $63,000 | $309,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 77 | $8,845,000 | $114,000 | $215,000 | $43,000 | $99,000 |
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 | 771 | $165,795,000 | $215,000 | $705,000 | $0 | $0 |
| Application Denied By Financial Institution | 543 | $60,555,000 | $111,000 | $845,000 | $56,000 | $275,000 |
| Loan Originated | 498 | $71,500,000 | $143,000 | $475,000 | $60,000 | $309,000 |
| Application Withdrawn By Applicant | 273 | $40,735,000 | $149,000 | $455,000 | $69,000 | $360,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 1,542 | $278,030,000 | $180,000 | $705,000 | $63,000 | $360,000 |
| Credit History | 269 | $27,095,000 | $100,000 | $525,000 | $54,000 | $247,000 |
| Other | 133 | $18,985,000 | $142,000 | $845,000 | $65,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 85 | $7,095,000 | $83,000 | $285,000 | $50,000 | $173,000 |
| Collateral | 23 | $3,265,000 | $141,000 | $255,000 | $60,000 | $103,000 |
| Debt-To-Income Ratio | 19 | $2,295,000 | $120,000 | $265,000 | $52,000 | $98,000 |
| Employment History | 7 | $665,000 | $95,000 | $185,000 | $43,000 | $62,000 |
| Unverifiable Information | 7 | $1,155,000 | $165,000 | $225,000 | $53,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cis Financial Services, Inc.'s 2018 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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