Hnb First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Hnb First Bank 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 | Hnb First Bank P.O. Box 157 / 40 Main Street Headland, AL 36345 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2016 2015 2014 |
| Total Number of Mortgage Applications | 83 |
| Total Mortgage Loan Application Amount | $8,755,000 |
| Average Mortgage Loan Application Amount | $74,750 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $81,500 |
| Highest Applicant Income | $664,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Hnb First Bank. 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 Hnb First Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Hnb First Bank'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 Hnb First Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Hnb First Bank, 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 Hnb First Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Henry County Alabama | 39 | $ 3,425,000 | $ 87,000 | $ 78,000 |
| Houston County Alabama | 17 | $ 2,575,000 | $ 151,000 | $ 94,000 |
| Dale County Alabama | 10 | $ 720,000 | $ 72,000 | $ 105,000 |
| Bay County Florida | 7 | $ 905,000 | $ 129,000 | $ 205,000 |
| Barbour County Alabama | 4 | $ 220,000 | $ 55,000 | $ 43,000 |
| Coffee County Alabama | 1 | $ 75,000 | $ 75,000 | $ 172,000 |
| Covington County Alabama | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Geneva County Alabama | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Lee County Alabama | 1 | $ 145,000 | $ 145,000 | $ 153,000 |
| Franklin County Florida | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Quitman County Georgia | 1 | $ 45,000 | $ 45,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Hnb First Bank 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 | 52 | $5,260,000 | $101,000 | $455,000 | $114,000 | $664,000 |
| Refinancing | 22 | $3,250,000 | $147,000 | $675,000 | $74,000 | $200,000 |
| Home Improvement | 6 | $180,000 | $30,000 | $65,000 | $72,000 | $110,000 |
| Other Purpose | 3 | $65,000 | $21,000 | $35,000 | $66,000 | $158,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 65 | $6,305,000 | $97,000 | $455,000 | $102,000 | $664,000 |
| Not applicable | 11 | $1,885,000 | $171,000 | $675,000 | $0 | $0 |
| Black or African American | 5 | $495,000 | $99,000 | $165,000 | $52,000 | $101,000 |
| American Indian or Alaskan Native | 2 | $70,000 | $35,000 | $35,000 | $78,000 | $114,000 |
| Asian | 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 |
| Not Provided | 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) | 83 | $8,755,000 | $105,000 | $675,000 | $98,000 | $664,000 |
| 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 | 66 | $6,900,000 | $104,000 | $675,000 | $106,000 | $664,000 |
| Application Denied By Financial Institution | 8 | $480,000 | $60,000 | $145,000 | $47,000 | $114,000 |
| Application Withdrawn By Applicant | 4 | $720,000 | $180,000 | $305,000 | $111,000 | $183,000 |
| Application Approved But Not Accepted | 4 | $380,000 | $95,000 | $135,000 | $67,000 | $96,000 |
| File Closed For Incompleteness | 1 | $275,000 | $275,000 | $275,000 | $144,000 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 83 | $8,755,000 | $105,000 | $675,000 | $98,000 | $664,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hnb First Bank'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 Hnb First Bank'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.