Cis Financial Services, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Cis Financial Services, Inc. of Hamilton, AL reported 1,856 mortgage applications totaling $318.8 million, down 38% from 2020. The average application was for $171,761, and applicants reported an average income of $70,768. 28% of its applications resulted in an originated loan and 44% were denied. Its largest markets were Florence-Muscle Shoals, AL (107), Hickory-Lenoir-Morganton, NC (51) and Orlando-Kissimmee-Sanford, FL (48) (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 | 1,856 |
| Total Mortgage Loan Application Amount | $318,790,000 |
| Average Mortgage Loan Application Amount | $171,761 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $70,768 |
| Highest Applicant Income | $3,930,000 |
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records Cis Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 745 | $ 100,945,000 | $ 135,496 | $ 69,736 |
| Florence-Muscle Shoals, AL | 107 | $ 18,545,000 | $ 173,317 | $ 65,000 |
| Hickory-Lenoir-Morganton, NC | 51 | $ 8,385,000 | $ 164,411 | $ 58,000 |
| Orlando-Kissimmee-Sanford, FL | 48 | $ 11,280,000 | $ 235,000 | $ 116,000 |
| Tampa-St. Petersburg-Clearwater, FL | 48 | $ 4,900,000 | $ 102,083 | $ 48,000 |
| Tuscaloosa, AL | 45 | $ 6,695,000 | $ 148,777 | $ 54,000 |
| Los Angeles-Long Beach-Glendale, CA | 43 | $ 17,825,000 | $ 414,534 | $ 95,000 |
| Lakeland-Winter Haven, FL | 42 | $ 8,280,000 | $ 197,142 | $ 100,000 |
| Memphis, TN-MS-AR | 37 | $ 6,615,000 | $ 178,783 | $ 63,027 |
| Riverside-San Bernardino-Ontario, CA | 37 | $ 10,115,000 | $ 273,378 | $ 71,000 |
| Birmingham-Hoover, AL | 36 | $ 6,650,000 | $ 184,722 | $ 87,000 |
| Decatur, AL | 35 | $ 5,325,000 | $ 152,142 | $ 63,000 |
| Charlotte-Concord-Gastonia, NC-SC | 26 | $ 5,140,000 | $ 197,692 | $ 64,000 |
| Anaheim-Santa Ana-Irvine, CA | 23 | $ 10,005,000 | $ 435,000 | $ 134,000 |
| Huntsville, AL | 20 | $ 3,150,000 | $ 157,500 | $ 61,000 |
| Monroe, LA | 18 | $ 2,080,000 | $ 115,555 | $ 51,000 |
| Palm Bay-Melbourne-Titusville, FL | 16 | $ 3,550,000 | $ 221,875 | $ 49,000 |
| Daphne-Fairhope-Foley, AL | 15 | $ 2,895,000 | $ 193,000 | $ 82,000 |
| Houston-The Woodlands-Sugar Land, TX | 15 | $ 2,845,000 | $ 189,666 | $ 87,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 15 | $ 4,725,000 | $ 315,000 | $ 68,000 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 3,560,000 | $ 254,285 | $ 84,000 |
| Baton Rouge, LA | 13 | $ 1,495,000 | $ 115,000 | $ 63,000 |
| Lafayette, LA | 12 | $ 1,610,000 | $ 134,166 | $ 55,000 |
| Oakland-Hayward-Berkeley, CA | 12 | $ 4,140,000 | $ 345,000 | $ 114,000 |
| Lake Charles, LA | 11 | $ 1,095,000 | $ 99,545 | $ 54,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 3,740,000 | $ 374,000 | $ 108,700 |
| Jacksonville, FL | 9 | $ 1,355,000 | $ 150,555 | $ 46,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 865,000 | $ 96,111 | $ 44,000 |
| Raleigh, NC | 9 | $ 2,335,000 | $ 259,444 | $ 86,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,500,000 | $ 187,500 | $ 42,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 840,000 | $ 105,000 | $ 65,000 |
| Shreveport-Bossier City, LA | 8 | $ 850,000 | $ 106,250 | $ 31,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 1,175,000 | $ 167,857 | $ 60,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,355,000 | $ 336,428 | $ 112,000 |
| Gulfport-Biloxi-Pascagoula, MS | 7 | $ 675,000 | $ 96,428 | $ 42,000 |
| Macon-Bibb County, GA | 7 | $ 1,135,000 | $ 162,142 | $ 84,000 |
| Montgomery, AL | 7 | $ 1,205,000 | $ 172,142 | $ 102,000 |
| San Diego-Carlsbad, CA | 7 | $ 1,935,000 | $ 276,428 | $ 96,000 |
| Brunswick, GA | 6 | $ 910,000 | $ 151,666 | $ 73,000 |
| Gainesville, FL | 6 | $ 870,000 | $ 145,000 | $ 50,000 |
| Houma-Thibodaux, LA | 6 | $ 770,000 | $ 128,333 | $ 82,000 |
| Jackson, MS | 6 | $ 990,000 | $ 165,000 | $ 72,000 |
| Midland, TX | 6 | $ 850,000 | $ 141,666 | $ 69,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,270,000 | $ 211,666 | $ 99,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 2,130,000 | $ 355,000 | $ 49,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 1,470,000 | $ 245,000 | $ 104,000 |
| Tulsa, OK | 6 | $ 1,000,000 | $ 166,666 | $ 73,000 |
| Austin-Round Rock, TX | 5 | $ 535,000 | $ 107,000 | $ 76,000 |
| Evansville, IN-KY | 5 | $ 405,000 | $ 81,000 | $ 52,400 |
| Longview, TX | 5 | $ 865,000 | $ 173,000 | $ 79,000 |
| Pine Bluff, AR | 5 | $ 615,000 | $ 123,000 | $ 67,000 |
| Tallahassee, FL | 5 | $ 845,000 | $ 169,000 | $ 52,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,110,000 | $ 277,500 | $ 138,000 |
| Bowling Green, KY | 4 | $ 530,000 | $ 132,500 | $ 51,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 290,000 | $ 72,500 | $ 74,000 |
| Hattiesburg, MS | 4 | $ 640,000 | $ 160,000 | $ 48,000 |
| Owensboro, KY | 4 | $ 500,000 | $ 125,000 | $ 69,000 |
| Savannah, GA | 4 | $ 680,000 | $ 170,000 | $ 103,000 |
| Warner Robins, GA | 4 | $ 500,000 | $ 125,000 | $ 72,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 640,000 | $ 160,000 | $ 56,000 |
| Albany, GA | 3 | $ 415,000 | $ 138,333 | $ 94,000 |
| Bakersfield, CA | 3 | $ 975,000 | $ 325,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 135,000 | $ 45,000 | $ 32,000 |
| Dothan, AL | 3 | $ 305,000 | $ 101,666 | $ 53,000 |
| East Stroudsburg, PA | 3 | $ 325,000 | $ 108,333 | $ 73,000 |
| El Paso, TX | 3 | $ 395,000 | $ 131,666 | $ 115,000 |
| Knoxville, TN | 3 | $ 885,000 | $ 295,000 | $ 129,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 385,000 | $ 128,333 | $ 73,666 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 945,000 | $ 315,000 | $ 20,000 |
| New Orleans-Metairie, LA | 3 | $ 465,000 | $ 155,000 | $ 80,000 |
| Odessa, TX | 3 | $ 365,000 | $ 121,666 | $ 38,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,235,000 | $ 411,666 | $ 96,000 |
| Port St. Lucie, FL | 3 | $ 445,000 | $ 148,333 | $ 91,000 |
| Sebring, FL | 3 | $ 575,000 | $ 191,666 | $ 76,000 |
| Abilene, TX | 2 | $ 340,000 | $ 170,000 | $ 129,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 170,000 | $ 85,000 | $ 66,000 |
| Battle Creek, MI | 2 | $ 210,000 | $ 105,000 | $ 39,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 480,000 | $ 240,000 | $ 60,000 |
| Charleston-North Charleston, SC | 2 | $ 350,000 | $ 175,000 | $ 67,000 |
| Chicago-Naperville, IL | 2 | $ 340,000 | $ 170,000 | $ 73,000 |
| Clarksville, TN-KY | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Cleveland-Elyria, OH | 2 | $ 290,000 | $ 145,000 | $ 93,000 |
| Fort Worth-Arlington, TX | 2 | $ 560,000 | $ 280,000 | $ 99,000 |
| Fresno, CA | 2 | $ 490,000 | $ 245,000 | $ 144,000 |
| Gadsden, AL | 2 | $ 290,000 | $ 145,000 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 230,000 | $ 115,000 | $ 83,500 |
| Hammond, LA | 2 | $ 200,000 | $ 100,000 | $ 46,000 |
| Mobile, AL | 2 | $ 280,000 | $ 140,000 | $ 38,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Oklahoma City, OK | 2 | $ 200,000 | $ 100,000 | $ 134,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 490,000 | $ 245,000 | $ 77,000 |
| San Antonio-New Braunfels, TX | 2 | $ 480,000 | $ 240,000 | $ 121,000 |
| Stockton-Lodi, CA | 2 | $ 880,000 | $ 440,000 | $ 0 |
| The Villages, FL | 2 | $ 340,000 | $ 170,000 | $ 88,000 |
| Tyler, TX | 2 | $ 290,000 | $ 145,000 | $ 144,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 750,000 | $ 375,000 | $ 148,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 190,000 | $ 95,000 | $ 29,000 |
| Alexandria, LA | 1 | $ 145,000 | $ 145,000 | $ 126,000 |
| Altoona, PA | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Asheville, NC | 1 | $ 245,000 | $ 245,000 | $ 142,000 |
| Auburn-Opelika, AL | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Carbondale-Marion, IL | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Columbus, OH | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Dalton, GA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Flint, MI | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Fort Smith, AR-OK | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Goldsboro, NC | 1 | $ 255,000 | $ 255,000 | $ 49,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Hinesville, GA | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Homosassa Springs, FL | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Jacksonville, NC | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Jonesboro, AR | 1 | $ 175,000 | $ 175,000 | $ 118,000 |
| Killeen-Temple, TX | 1 | $ 125,000 | $ 125,000 | $ 23,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 335,000 | $ 335,000 | $ 126,000 |
| Lancaster, PA | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Lawrence, KS | 1 | $ 65,000 | $ 65,000 | $ 20,000 |
| Lubbock, TX | 1 | $ 205,000 | $ 205,000 | $ 166,000 |
| Lynchburg, VA | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Modesto, CA | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Monroe, MI | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Morristown, TN | 1 | $ 165,000 | $ 165,000 | $ 29,000 |
| Napa, CA | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 545,000 | $ 545,000 | $ 80,000 |
| New York-Newark, NY | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Ocala, FL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| Philadelphia, PA | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Rome, GA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Salinas, CA | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| San Angelo, TX | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Santa Rosa, CA | 1 | $ 405,000 | $ 405,000 | $ 123,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| St. Joseph, MO-KS | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Wilmington, NC | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Winchester, VA-WV | 1 | $ 365,000 | $ 365,000 | $ 0 |
| York-Hanover, PA | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2021
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 | 1,422 | $216,010,000 | $151,000 | $905,000 | $66,000 | $3,930,000 |
| Refinancing | 316 | $75,650,000 | $239,000 | $795,000 | $86,000 | $976,000 |
| Cash-out Refinancing | 99 | $21,665,000 | $218,000 | $845,000 | $99,000 | $541,000 |
| Not Applicable | 17 | $5,195,000 | $305,000 | $545,000 | $23,000 | $67,000 |
| Home Improvement | 2 | $270,000 | $135,000 | $185,000 | $63,000 | $65,000 |
| 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 | 1,203 | $187,625,000 | $155,000 | $905,000 | $72,000 | $3,930,000 |
| Black or African American | 259 | $38,635,000 | $149,000 | $675,000 | $59,000 | $1,010,000 |
| Not Provided | 130 | $20,370,000 | $156,000 | $405,000 | $70,000 | $345,000 |
| Not applicable | 118 | $48,230,000 | $408,000 | $825,000 | $206,000 | $206,000 |
| Hispanic | 107 | $16,085,000 | $150,000 | $525,000 | $72,000 | $798,000 |
| American Indian or Alaskan Native | 18 | $2,230,000 | $123,000 | $265,000 | $59,000 | $151,000 |
| Asian | 15 | $4,465,000 | $297,000 | $845,000 | $145,000 | $541,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $21,000 | $21,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,180 | $199,910,000 | $169,000 | $905,000 | $79,000 | $3,930,000 |
| FHA-insured (Federal Housing Administration) | 575 | $98,655,000 | $171,000 | $825,000 | $55,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $8,125,000 | $153,000 | $305,000 | $45,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 48 | $12,100,000 | $252,000 | $675,000 | $77,000 | $163,000 |
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 | 819 | $113,425,000 | $138,000 | $495,000 | $64,000 | $3,930,000 |
| Loan Originated | 518 | $98,010,000 | $189,000 | $905,000 | $80,000 | $976,000 |
| Application Withdrawn By Applicant | 389 | $57,315,000 | $147,000 | $475,000 | $72,000 | $418,000 |
| Loan Purchased By The Institution | 118 | $48,230,000 | $408,000 | $825,000 | $206,000 | $206,000 |
| File Closed For Incompleteness | 11 | $1,535,000 | $139,000 | $305,000 | $71,000 | $260,000 |
| Application Approved But Not Accepted | 1 | $275,000 | $275,000 | $275,000 | $48,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,037 | $205,365,000 | $198,000 | $905,000 | $76,000 | $976,000 |
| Credit History | 558 | $72,850,000 | $130,000 | $395,000 | $60,000 | $1,010,000 |
| Debt-To-Income Ratio | 193 | $28,505,000 | $147,000 | $395,000 | $51,000 | $152,000 |
| Other | 48 | $9,130,000 | $190,000 | $495,000 | $152,000 | $3,930,000 |
| Unverifiable Information | 6 | $960,000 | $160,000 | $235,000 | $79,000 | $121,000 |
| Employment History | 6 | $890,000 | $148,000 | $215,000 | $92,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $375,000 | $125,000 | $185,000 | $46,000 | $66,000 |
| Collateral | 3 | $345,000 | $115,000 | $145,000 | $73,000 | $120,000 |
| Credit Application Incomplete | 2 | $370,000 | $185,000 | $275,000 | $129,000 | $164,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cis Financial Services, Inc.'s 2021 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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