Consumer First Mortgage, Inc. Mortgage Lending & HMDA Data, 2019
In 2019, Consumer First Mortgage, Inc. of Northport, AL reported 655 mortgage applications totaling $62.7 million, up 50% from 2018. The average application was for $95,732, and applicants reported an average income of $53,766. 38% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Tuscaloosa, AL (78), Birmingham-Hoover, AL (49) and Montgomery, AL (47) (applications in parentheses).
| Mortgage Company & Address | Consumer First Mortgage, Inc. 511 Energy Center Blvd, Suite 702 Northport, AL 35473 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 2009 2008 2007 2005 |
| Total Number of Mortgage Applications | 655 |
| Total Mortgage Loan Application Amount | $62,705,000 |
| Average Mortgage Loan Application Amount | $95,732 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $53,766 |
| Highest Applicant Income | $410,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Consumer First Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Consumer First Mortgage, 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 | 566 | $53,050,000 | $93,000 | $415,000 | $52,000 | $410,000 |
| Refinancing | 89 | $9,655,000 | $108,000 | $405,000 | $65,000 | $190,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 297 | $36,965,000 | $124,000 | $415,000 | $64,000 | $410,000 |
| Not Provided | 225 | $12,765,000 | $56,000 | $235,000 | $41,000 | $173,000 |
| Black or African American | 123 | $11,675,000 | $94,000 | $405,000 | $52,000 | $143,000 |
| Hispanic | 9 | $1,115,000 | $123,000 | $245,000 | $43,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 387 | $31,965,000 | $82,000 | $335,000 | $48,000 | $182,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 151 | $18,665,000 | $123,000 | $415,000 | $70,000 | $410,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $6,180,000 | $96,000 | $215,000 | $42,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 53 | $5,895,000 | $111,000 | $365,000 | $60,000 | $190,000 |
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 |
|---|---|---|---|---|---|---|
| Preapproval Denied by Financial Institution | 337 | $18,475,000 | $54,000 | $55,000 | $39,000 | $182,000 |
| Loan Originated | 246 | $40,270,000 | $163,000 | $415,000 | $73,000 | $410,000 |
| Application Denied By Financial Institution | 70 | $3,850,000 | $55,000 | $55,000 | $55,000 | $157,000 |
| File Closed For Incompleteness | 2 | $110,000 | $55,000 | $55,000 | $81,000 | $107,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 |
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 | 295 | $16,195,000 | $54,000 | $55,000 | $42,000 | $182,000 |
| Not applicable | 248 | $40,380,000 | $162,000 | $415,000 | $73,000 | $410,000 |
| Debt-To-Income Ratio | 68 | $3,740,000 | $55,000 | $55,000 | $41,000 | $173,000 |
| Collateral | 13 | $715,000 | $55,000 | $55,000 | $43,000 | $93,000 |
| Credit Application Incomplete | 9 | $495,000 | $55,000 | $55,000 | $47,000 | $104,000 |
| Unverifiable Information | 9 | $465,000 | $51,000 | $55,000 | $38,000 | $86,000 |
| Employment History | 8 | $440,000 | $55,000 | $55,000 | $39,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $220,000 | $55,000 | $55,000 | $45,000 | $62,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Consumer First Mortgage, 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 Consumer First Mortgage, 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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