Cis Financial Services, Inc. Mortgage Lending & HMDA Data, 2011
In 2011, Cis Financial Services, Inc. of Hamilton, AL reported 2,023 mortgage applications totaling $201.3 million, up 1% from 2010. The average application was for $99,490, and applicants reported an average income of $50,909. 14% of its applications resulted in an originated loan and 62% were denied. Its largest markets were Alexandria, LA (100), Birmingham-Hoover, AL (84) and Jacksonville, FL (41) (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 | 2,023 |
| Total Mortgage Loan Application Amount | $201,269,000 |
| Average Mortgage Loan Application Amount | $99,490 |
| Highest Mortgage Loan Application Amount | $377,000 |
| Average Applicant Income | $50,909 |
| Highest Applicant Income | $325,000 |
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records Cis Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2011
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 | 1,839 | $181,363,000 | $98,000 | $377,000 | $50,000 | $325,000 |
| Refinancing | 184 | $19,906,000 | $108,000 | $351,000 | $60,000 | $325,000 |
| 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 | 1,702 | $173,162,000 | $101,000 | $377,000 | $52,000 | $325,000 |
| Black or African American | 242 | $21,492,000 | $88,000 | $228,000 | $41,000 | $200,000 |
| Hispanic | 53 | $4,304,000 | $81,000 | $167,000 | $47,000 | $157,000 |
| American Indian or Alaskan Native | 9 | $748,000 | $83,000 | $163,000 | $41,000 | $69,000 |
| Not Provided | 8 | $676,000 | $84,000 | $140,000 | $29,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $505,000 | $101,000 | $172,000 | $51,000 | $96,000 |
| Asian | 4 | $382,000 | $95,000 | $153,000 | $52,000 | $96,000 |
| Not applicable | 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) | 1,327 | $143,219,000 | $107,000 | $309,000 | $50,000 | $323,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 641 | $50,183,000 | $78,000 | $377,000 | $51,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $7,867,000 | $143,000 | $208,000 | $53,000 | $224,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,247 | $118,989,000 | $95,000 | $349,000 | $46,000 | $323,000 |
| Application Withdrawn By Applicant | 476 | $48,995,000 | $102,000 | $377,000 | $56,000 | $303,000 |
| Loan Originated | 284 | $31,855,000 | $112,000 | $332,000 | $60,000 | $325,000 |
| Loan Purchased By The Institution | 6 | $319,000 | $53,000 | $77,000 | $56,000 | $99,000 |
| File Closed For Incompleteness | 5 | $645,000 | $129,000 | $174,000 | $64,000 | $139,000 |
| Application Approved But Not Accepted | 5 | $466,000 | $93,000 | $184,000 | $49,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $472,000 | $94,000 | $128,000 | $33,000 | $49,000 |
| Credit History | 1 | $153,000 | $153,000 | $153,000 | $183,000 | $183,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| 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 2011 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
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