Hnb First Bank Mortgage Lending & HMDA Data, 2018
In 2018, Hnb First Bank of Headland, AL reported 110 mortgage applications totaling $10.2 million. The average application was for $92,636, and applicants reported an average income of $91,418. 71% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Dothan, AL (85), Panama City, FL (5) and Auburn-Opelika, AL (4) (applications in parentheses).
| 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 | 110 |
| Total Mortgage Loan Application Amount | $10,190,000 |
| Average Mortgage Loan Application Amount | $92,636 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $91,418 |
| Highest Applicant Income | $1,356,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hnb First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dothan, AL | 85 | $ 7,125,000 | $ 83,823 | $ 77,000 |
| Outside any metro area | 14 | $ 1,560,000 | $ 111,428 | $ 186,785 |
| Panama City, FL | 5 | $ 935,000 | $ 187,000 | $ 108,000 |
| Auburn-Opelika, AL | 4 | $ 380,000 | $ 95,000 | $ 80,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 95,000 | $ 95,000 | $ 14,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 95,000 | $ 95,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hnb First Bank in 2018
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 | 70 | $7,180,000 | $102,000 | $555,000 | $100,000 | $1,356,000 |
| Refinancing | 20 | $2,280,000 | $114,000 | $375,000 | $92,000 | $265,000 |
| Home Improvement | 11 | $405,000 | $36,000 | $165,000 | $50,000 | $122,000 |
| Other Purpose | 9 | $325,000 | $36,000 | $65,000 | $74,000 | $124,000 |
| 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 | 88 | $6,660,000 | $75,000 | $275,000 | $93,000 | $1,356,000 |
| Not applicable | 12 | $2,540,000 | $211,000 | $555,000 | $0 | $0 |
| Black or African American | 7 | $635,000 | $90,000 | $225,000 | $56,000 | $141,000 |
| Hispanic | 1 | $5,000 | $5,000 | $5,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $26,000 | $26,000 |
| Not Provided | 1 | $305,000 | $305,000 | $305,000 | $187,000 | $187,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 103 | $9,045,000 | $87,000 | $555,000 | $92,000 | $1,356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $650,000 | $162,000 | $225,000 | $60,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 2 | $290,000 | $145,000 | $205,000 | $79,000 | $99,000 |
| FHA-insured (Federal Housing Administration) | 1 | $205,000 | $205,000 | $205,000 | $136,000 | $136,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 78 | $6,600,000 | $84,000 | $555,000 | $97,000 | $1,356,000 |
| Application Denied By Financial Institution | 20 | $2,000,000 | $100,000 | $225,000 | $59,000 | $136,000 |
| Application Approved But Not Accepted | 9 | $1,275,000 | $141,000 | $245,000 | $109,000 | $265,000 |
| File Closed For Incompleteness | 2 | $310,000 | $155,000 | $305,000 | $110,000 | $187,000 |
| Application Withdrawn By Applicant | 1 | $5,000 | $5,000 | $5,000 | $86,000 | $86,000 |
| 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 | 110 | $10,190,000 | $92,000 | $555,000 | $91,000 | $1,356,000 |
| 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 2018 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About