Cis Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019

Cis Financial Services, Inc. 2019 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 1,799
Total Mortgage Loan Application Amount $203,795,000
Average Mortgage Loan Application Amount $179,000
Highest Mortgage Loan Application Amount $675,000
Average Applicant Income $73,333
Highest Applicant Income $768,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.

Mortgage Loan Application Totals for Cis Financial Services, Inc. by Metropolitan Area in 2019

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
NA (OUTSIDE OF MSA/MD) 604 $ 60,550,000 $ 104,777 $ 57,277
LAFAYETTE, LA 45 $ 4,955,000 $ 110,000 $ 53,000
TULSA, OK 34 $ 2,930,000 $ 86,000 $ 52,000
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 31 $ 2,305,000 $ 74,000 $ 52,000
AUGUSTA-RICHMOND COUNTY, GA-SC 30 $ 4,500,000 $ 157,000 $ 65,000
FLORENCE-MUSCLE SHOALS, AL 28 $ 3,230,000 $ 115,000 $ 57,000
BIRMINGHAM-HOOVER, AL 24 $ 3,640,000 $ 151,000 $ 61,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 20 $ 2,760,000 $ 138,000 $ 67,000
ALEXANDRIA, LA 18 $ 2,670,000 $ 148,000 $ 65,000
BRUNSWICK, GA 18 $ 1,650,000 $ 91,000 $ 41,000
HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC 17 $ 1,515,000 $ 89,000 $ 42,000
MONROE, LA 17 $ 1,485,000 $ 87,000 $ 46,000
JACKSONVILLE, FL 16 $ 2,470,000 $ 154,000 $ 77,000
LAKE CHARLES, LA 16 $ 1,550,000 $ 96,000 $ 68,000
MEMPHIS, TN-MS-AR 16 $ 2,230,000 $ 139,000 $ 56,666
HOUMA-THIBODAUX, LA 15 $ 1,525,000 $ 101,000 $ 51,000
MOBILE, AL 15 $ 1,775,000 $ 118,000 $ 65,000
DECATUR, AL 14 $ 1,350,000 $ 96,000 $ 52,000
GULFPORT-BILOXI-PASCAGOULA, MS 14 $ 1,550,000 $ 110,000 $ 61,000
TALLAHASSEE, FL 14 $ 1,490,000 $ 106,000 $ 46,000
HUNTSVILLE, AL 13 $ 1,455,000 $ 111,000 $ 51,000
BATON ROUGE, LA 12 $ 860,000 $ 71,000 $ 76,000
JACKSON, MS 12 $ 1,400,000 $ 116,000 $ 56,000
CHARLESTON-NORTH CHARLESTON, SC 10 $ 1,080,000 $ 108,000 $ 63,000
CHARLOTTE-CONCORD-GASTONIA, NC-SC 10 $ 1,390,000 $ 135,500 $ 50,000
GAINESVILLE, FL 9 $ 855,000 $ 95,000 $ 46,000
DOTHAN, AL 8 $ 830,000 $ 103,000 $ 57,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 8 $ 3,940,000 $ 492,000 $ 47,000
NEW ORLEANS-METAIRIE, LA 8 $ 1,050,000 $ 131,000 $ 57,000
ROME, GA 8 $ 960,000 $ 120,000 $ 56,000
SPARTANBURG, SC 8 $ 820,000 $ 102,000 $ 42,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 7 $ 2,245,000 $ 320,000 $ 44,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 7 $ 1,425,000 $ 203,000 $ 65,000
TUSCALOOSA, AL 7 $ 815,000 $ 116,000 $ 66,000
PENSACOLA-FERRY PASS-BRENT, FL 6 $ 530,000 $ 88,000 $ 68,000
SHREVEPORT-BOSSIER CITY, LA 6 $ 430,000 $ 71,000 $ 41,000
HINESVILLE, GA 5 $ 655,000 $ 131,000 $ 42,000
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 5 $ 445,000 $ 89,000 $ 50,000
OKLAHOMA CITY, OK 5 $ 635,000 $ 127,000 $ 49,000
OWENSBORO, KY 5 $ 635,000 $ 127,000 $ 54,000
PANAMA CITY, FL 5 $ 475,000 $ 95,000 $ 71,000
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 5 $ 1,935,000 $ 322,500 $ 165,000
BEAUMONT-PORT ARTHUR, TX 4 $ 410,000 $ 102,000 $ 41,000
COLLEGE STATION-BRYAN, TX 4 $ 360,000 $ 90,000 $ 86,000
DALLAS-PLANO-IRVING, TX 4 $ 530,000 $ 132,000 $ 50,000
DAPHNE-FAIRHOPE-FOLEY, AL 4 $ 450,000 $ 112,000 $ 193,000
MORRISTOWN, TN 4 $ 590,000 $ 147,000 $ 54,000
ORLANDO-KISSIMMEE-SANFORD, FL 4 $ 850,000 $ 212,000 $ 55,000
SAN ANTONIO-NEW BRAUNFELS, TX 4 $ 590,000 $ 147,000 $ 32,000
SAN DIEGO-CARLSBAD, CA 4 $ 1,640,000 $ 410,000 $ 175,000
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 4 $ 850,000 $ 212,000 $ 62,000
ANAHEIM-SANTA ANA-IRVINE, CA 3 $ 1,415,000 $ 471,000 $ 0
CARBONDALE-MARION, IL 3 $ 315,000 $ 105,000 $ 74,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 3 $ 1,095,000 $ 365,000 $ 124,000
HATTIESBURG, MS 3 $ 395,000 $ 131,000 $ 45,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 3 $ 275,000 $ 97,500 $ 38,000
PINE BLUFF, AR 3 $ 265,000 $ 88,000 $ 65,000
STOCKTON-LODI, CA 3 $ 635,000 $ 211,000 $ 0
WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL 3 $ 735,000 $ 245,000 $ 56,000
ALBANY, GA 2 $ 300,000 $ 150,000 $ 49,000
ALBUQUERQUE, NM 2 $ 360,000 $ 180,000 $ 0
ANNISTON-OXFORD-JACKSONVILLE, AL 2 $ 260,000 $ 130,000 $ 60,000
BOWLING GREEN, KY 2 $ 200,000 $ 100,000 $ 33,000
CAPE CORAL-FORT MYERS, FL 2 $ 190,000 $ 95,000 $ 38,000
CLARKSVILLE, TN-KY 2 $ 230,000 $ 115,000 $ 51,500
CLEVELAND, TN 2 $ 470,000 $ 235,000 $ 101,000
COLUMBUS, IN 2 $ 190,000 $ 95,000 $ 34,000
COLUMBUS, OH 2 $ 100,000 $ 50,000 $ 28,000
DURHAM-CHAPEL HILL, NC 2 $ 370,000 $ 185,000 $ 0
ELIZABETHTOWN-FORT KNOX, KY 2 $ 250,000 $ 125,000 $ 70,000
EVANSVILLE, IN-KY 2 $ 140,000 $ 70,000 $ 42,500
FORT SMITH, AR-OK 2 $ 210,000 $ 105,000 $ 59,000
GARY, IN 2 $ 330,000 $ 165,000 $ 0
GREENVILLE-ANDERSON-MAULDIN, SC 2 $ 200,000 $ 100,000 $ 68,000
HOT SPRINGS, AR 2 $ 140,000 $ 70,000 $ 124,000
JACKSON, TN 2 $ 240,000 $ 120,000 $ 57,000
JACKSONVILLE, NC 2 $ 300,000 $ 150,000 $ 52,000
KNOXVILLE, TN 2 $ 440,000 $ 220,000 $ 89,000
MACON-BIBB COUNTY, GA 2 $ 260,000 $ 130,000 $ 33,000
MONTGOMERY, AL 2 $ 260,000 $ 130,000 $ 50,000
NAPLES-IMMOKALEE-MARCO ISLAND, FL 2 $ 680,000 $ 340,000 $ 60,000
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 2 $ 390,000 $ 195,000 $ 55,000
ODESSA, TX 2 $ 270,000 $ 135,000 $ 57,000
PALM BAY-MELBOURNE-TITUSVILLE, FL 2 $ 640,000 $ 320,000 $ 0
PORT ST. LUCIE, FL 2 $ 550,000 $ 275,000 $ 106,000
PUNTA GORDA, FL 2 $ 510,000 $ 255,000 $ 113,000
SAVANNAH, GA 2 $ 90,000 $ 45,000 $ 106,000
ABILENE, TX 1 $ 205,000 $ 205,000 $ 44,000
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 1 $ 125,000 $ 125,000 $ 0
BAKERSFIELD, CA 1 $ 295,000 $ 295,000 $ 0
BURLINGTON, NC 1 $ 185,000 $ 185,000 $ 0
CHICAGO-NAPERVILLE, IL 1 $ 225,000 $ 225,000 $ 0
COLUMBUS, GA-AL 1 $ 135,000 $ 135,000 $ 77,000
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 1 $ 95,000 $ 95,000 $ 48,000
DANVILLE, IL 1 $ 45,000 $ 45,000 $ 89,000
EL CENTRO, CA 1 $ 215,000 $ 215,000 $ 78,000
EL PASO, TX 1 $ 125,000 $ 125,000 $ 0
ELKHART-GOSHEN, IN 1 $ 35,000 $ 35,000 $ 56,000
FAYETTEVILLE, NC 1 $ 255,000 $ 255,000 $ 0
FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO 1 $ 45,000 $ 45,000 $ 166,000
FLORENCE, SC 1 $ 165,000 $ 165,000 $ 105,000
FORT WORTH-ARLINGTON, TX 1 $ 325,000 $ 325,000 $ 0
FRESNO, CA 1 $ 115,000 $ 115,000 $ 0
GRAND RAPIDS-WYOMING, MI 1 $ 145,000 $ 145,000 $ 107,000
HUNTINGTON-ASHLAND, WV-KY-OH 1 $ 115,000 $ 115,000 $ 60,000
INDIANAPOLIS-CARMEL-ANDERSON, IN 1 $ 285,000 $ 285,000 $ 0
KINGSPORT-BRISTOL-BRISTOL, TN-VA 1 $ 135,000 $ 135,000 $ 36,000
LAKE HAVASU CITY-KINGMAN, AZ 1 $ 65,000 $ 65,000 $ 0
LAS VEGAS-HENDERSON-PARADISE, NV 1 $ 285,000 $ 285,000 $ 0
LONGVIEW, TX 1 $ 55,000 $ 55,000 $ 52,000
LYNCHBURG, VA 1 $ 55,000 $ 55,000 $ 39,000
MCALLEN-EDINBURG-MISSION, TX 1 $ 165,000 $ 165,000 $ 51,000
MIAMI-MIAMI BEACH-KENDALL, FL 1 $ 205,000 $ 205,000 $ 0
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 1 $ 255,000 $ 255,000 $ 0
MOUNT VERNON-ANACORTES, WA 1 $ 265,000 $ 265,000 $ 46,000
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 1 $ 95,000 $ 95,000 $ 56,000
NEW HAVEN-MILFORD, CT 1 $ 165,000 $ 165,000 $ 0
OXNARD-THOUSAND OAKS-VENTURA, CA 1 $ 595,000 $ 595,000 $ 135,000
PHILADELPHIA, PA 1 $ 145,000 $ 145,000 $ 0
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 1 $ 285,000 $ 285,000 $ 0
RALEIGH, NC 1 $ 225,000 $ 225,000 $ 119,000
RICHMOND, VA 1 $ 125,000 $ 125,000 $ 45,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 1 $ 435,000 $ 435,000 $ 0
SALINAS, CA 1 $ 535,000 $ 535,000 $ 0
SANTA FE, NM 1 $ 115,000 $ 115,000 $ 0
SEBRING, FL 1 $ 295,000 $ 295,000 $ 0
SPOKANE-SPOKANE VALLEY, WA 1 $ 185,000 $ 185,000 $ 0
SPRINGFIELD, IL 1 $ 65,000 $ 65,000 $ 65,000
ST. LOUIS, MO-IL 1 $ 95,000 $ 95,000 $ 28,000
STATE COLLEGE, PA 1 $ 255,000 $ 255,000 $ 0
SUMTER, SC 1 $ 115,000 $ 115,000 $ 23,000
TYLER, TX 1 $ 65,000 $ 65,000 $ 20,000
VALDOSTA, GA 1 $ 55,000 $ 55,000 $ 83,000
VALLEJO-FAIRFIELD, CA 1 $ 295,000 $ 295,000 $ 0
VICTORIA, TX 1 $ 45,000 $ 45,000 $ 74,000
WICHITA, KS 1 $ 245,000 $ 245,000 $ 97,000
WILMINGTON, DE-MD-NJ 1 $ 165,000 $ 165,000 $ 0
WINCHESTER, VA-WV 1 $ 195,000 $ 195,000 $ 0
WINSTON-SALEM, NC 1 $ 185,000 $ 185,000 $ 66,000

Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2019

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 1,674 $176,590,000 $105,000 $675,000 $56,000 $768,000
Cash-out Refinancing 66 $15,420,000 $233,000 $625,000 $88,000 $185,000
Refinancing 59 $11,785,000 $199,000 $535,000 $76,000 $195,000
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 1,182 $125,200,000 $105,000 $475,000 $59,000 $768,000
Black or African American 335 $32,955,000 $98,000 $595,000 $49,000 $238,000
Not Provided 130 $15,350,000 $118,000 $395,000 $59,000 $186,000
Not applicable 92 $24,010,000 $260,000 $675,000 $0 $0
Hispanic 41 $4,365,000 $106,000 $225,000 $56,000 $290,000
American Indian or Alaskan Native 16 $1,590,000 $99,000 $175,000 $52,000 $91,000
Asian 3 $325,000 $108,000 $185,000 $121,000 $240,000
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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,177 $102,325,000 $86,000 $625,000 $55,000 $768,000
FHA-insured (Federal Housing Administration) 507 $78,055,000 $153,000 $675,000 $61,000 $250,000
VA-guaranteed (Veterans Administration) 76 $18,770,000 $246,000 $595,000 $84,000 $185,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $4,645,000 $119,000 $225,000 $48,000 $87,000

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 1,212 $105,400,000 $86,000 $455,000 $53,000 $768,000
Loan Originated 270 $39,670,000 $146,000 $595,000 $67,000 $561,000
Application Withdrawn By Applicant 225 $34,715,000 $154,000 $475,000 $67,000 $234,000
Loan Purchased By The Institution 92 $24,010,000 $260,000 $675,000 $0 $0
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
Application Approved But Not Accepted 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 770 $60,750,000 $78,000 $335,000 $52,000 $600,000
Not applicable 587 $98,395,000 $167,000 $675,000 $67,000 $561,000
Insufficient Cash (Downpayment, Closing Cost) 283 $23,785,000 $84,000 $225,000 $48,000 $238,000
Other 77 $9,195,000 $119,000 $395,000 $84,000 $768,000
Debt-To-Income Ratio 45 $6,725,000 $149,000 $455,000 $49,000 $169,000
Employment History 17 $2,265,000 $133,000 $275,000 $51,000 $186,000
Collateral 14 $2,020,000 $144,000 $425,000 $71,000 $250,000
Unverifiable Information 6 $660,000 $110,000 $165,000 $42,000 $62,000
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 2019 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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