Community Bank & Trust - Al Mortgage Lending & HMDA Data, 2005
In 2005, Community Bank & Trust - Al of Union Springs, AL reported 129 mortgage applications totaling $8.4 million, up 135% from 2004. The average application was for $64,860, and applicants reported an average income of $64,875. 88% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Montgomery, AL (18), Auburn-Opelika, AL (3) and New Orleans-Metairie-Kenner, LA (1) (applications in parentheses).
| Mortgage Company & Address | Community Bank & Trust - Al P O Box 310 Union Springs, AL 36089 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 129 |
| Total Mortgage Loan Application Amount | $8,367,000 |
| Average Mortgage Loan Application Amount | $64,860 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $64,875 |
| Highest Applicant Income | $557,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Bank & Trust - Al filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bullock, Alabama | 85 | $ 3,397,000 | $ 39,964 | $ 80,000 |
| Montgomery, Alabama | 13 | $ 1,846,000 | $ 142,000 | $ 94,000 |
| Pike, Alabama | 9 | $ 502,000 | $ 55,777 | $ 60,000 |
| Russell, Alabama | 4 | $ 209,000 | $ 52,250 | $ 43,000 |
| Barbour, Alabama | 3 | $ 140,000 | $ 46,666 | $ 12,000 |
| Lee, Alabama | 3 | $ 70,000 | $ 23,333 | $ 47,000 |
| Macon, Alabama | 3 | $ 100,000 | $ 33,333 | $ 39,000 |
| Autauga, Alabama | 2 | $ 78,000 | $ 39,000 | $ 40,000 |
| Elmore, Alabama | 2 | $ 70,000 | $ 35,000 | $ 49,000 |
| Baldwin, Alabama | 1 | $ 408,000 | $ 408,000 | $ 125,000 |
| Crenshaw, Alabama | 1 | $ 1,200,000 | $ 1,200,000 | $ 250,000 |
| Lowndes, Alabama | 1 | $ 150,000 | $ 150,000 | $ 110,000 |
| Tallapoosa, Alabama | 1 | $ 97,000 | $ 97,000 | $ 75,000 |
| St. Tammany, Louisiana | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust - Al in 2005
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 | 80 | $5,563,000 | $69,000 | $1,200,000 | $61,000 | $380,000 |
| Home Purchase | 38 | $2,505,000 | $82,500 | $408,000 | $52,000 | $125,000 |
| Home Improvement | 11 | $299,000 | $27,000 | $203,000 | $131,000 | $557,000 |
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 | 65 | $6,537,000 | $100,000 | $1,200,000 | $60,500 | $380,000 |
| Black or African American | 63 | $1,627,000 | $25,000 | $125,000 | $24,000 | $183,000 |
| Not applicable | 1 | $203,000 | $203,000 | $203,000 | $557,000 | $557,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 129 | $8,367,000 | $82,000 | $1,200,000 | $59,500 | $557,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 113 | $7,667,000 | $83,500 | $1,200,000 | $64,000 | $557,000 |
| Application Denied By Financial Institution | 16 | $700,000 | $43,000 | $150,000 | $34,000 | $110,000 |
| Application Withdrawn By Applicant | 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 |
| Loan Purchased By The Institution | 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 | 8 | $233,000 | $29,000 | $60,000 | $23,000 | $45,000 |
| Debt-To-Income Ratio | 1 | $48,000 | $48,000 | $48,000 | $9,000 | $9,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Bank & Trust - Al's 2005 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 Community Bank & Trust - Al'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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