Hometown Lenders, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, Hometown Lenders, Inc. of Huntsville, AL reported 1,542 mortgage applications totaling $178.4 million. The average application was for $115,702, and applicants reported an average income of $59,172. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Huntsville, AL (712), Nashville-Davidson--Murfreesboro, TN (147) and Dothan, AL (79) (applications in parentheses).
| Mortgage Company & Address | Hometown Lenders, Inc. 310 the Bridge Street, 4th Floor Suite A Huntsville, AL 35806 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2006 2005 |
| Total Number of Mortgage Applications | 1,542 |
| Total Mortgage Loan Application Amount | $178,414,000 |
| Average Mortgage Loan Application Amount | $115,702 |
| Highest Mortgage Loan Application Amount | $680,000 |
| Average Applicant Income | $59,172 |
| Highest Applicant Income | $600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hometown Lenders, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison, Alabama | 606 | $ 64,761,000 | $ 106,866 | $ 58,000 |
| Limestone, Alabama | 106 | $ 11,396,000 | $ 107,509 | $ 47,000 |
| Houston, Alabama | 71 | $ 5,867,000 | $ 82,633 | $ 45,000 |
| Rutherford, Tennessee | 64 | $ 5,588,000 | $ 87,312 | $ 35,000 |
| Davidson, Tennessee | 63 | $ 5,846,000 | $ 92,793 | $ 54,000 |
| Dale, Alabama | 55 | $ 4,160,000 | $ 75,636 | $ 45,000 |
| Jefferson, Alabama | 42 | $ 6,011,000 | $ 143,119 | $ 68,000 |
| Morgan, Alabama | 29 | $ 3,068,000 | $ 105,793 | $ 55,000 |
| Marshall, Alabama | 25 | $ 3,912,000 | $ 156,480 | $ 64,000 |
| Shelby, Alabama | 20 | $ 3,085,000 | $ 154,250 | $ 70,000 |
| Coffee, Alabama | 16 | $ 1,413,000 | $ 88,312 | $ 57,000 |
| Cullman, Alabama | 13 | $ 1,919,000 | $ 147,615 | $ 95,000 |
| Lincoln, Tennessee | 13 | $ 908,000 | $ 69,846 | $ 36,000 |
| Shelby, Tennessee | 12 | $ 2,673,000 | $ 222,750 | $ 91,000 |
| Baldwin, Alabama | 11 | $ 2,416,000 | $ 219,636 | $ 136,000 |
| Chesterfield, Virginia | 11 | $ 1,616,000 | $ 146,909 | $ 52,000 |
| Henrico, Virginia | 10 | $ 1,155,000 | $ 115,500 | $ 54,000 |
| Petersburg, Virginia | 10 | $ 826,000 | $ 82,600 | $ 57,000 |
| Tuscaloosa, Alabama | 9 | $ 1,054,000 | $ 117,111 | $ 84,000 |
| Dinwiddie, Virginia | 8 | $ 827,000 | $ 103,375 | $ 64,000 |
| Etowah, Alabama | 7 | $ 781,000 | $ 111,571 | $ 78,000 |
| Mobile, Alabama | 7 | $ 1,137,000 | $ 162,428 | $ 75,000 |
| Orange, Florida | 7 | $ 1,862,000 | $ 266,000 | $ 88,000 |
| Henry, Alabama | 6 | $ 746,000 | $ 124,333 | $ 65,000 |
| Robertson, Tennessee | 6 | $ 313,000 | $ 52,166 | $ 46,000 |
| Williamson, Tennessee | 6 | $ 1,349,000 | $ 224,833 | $ 97,000 |
| Blount, Alabama | 5 | $ 549,000 | $ 109,800 | $ 57,000 |
| Jackson, Alabama | 5 | $ 347,000 | $ 69,400 | $ 36,000 |
| Lauderdale, Alabama | 5 | $ 879,000 | $ 175,800 | $ 68,000 |
| Talladega, Alabama | 5 | $ 473,000 | $ 94,600 | $ 61,000 |
| Broward, Florida | 5 | $ 1,247,000 | $ 249,400 | $ 88,000 |
| Coffee, Tennessee | 5 | $ 672,000 | $ 134,400 | $ 63,000 |
| Montgomery, Tennessee | 5 | $ 713,000 | $ 142,600 | $ 91,000 |
| Prince William, Virginia | 5 | $ 1,867,000 | $ 373,400 | $ 184,000 |
| Richmond City, Virginia | 5 | $ 446,000 | $ 89,200 | $ 41,000 |
| Calhoun, Alabama | 4 | $ 429,000 | $ 107,250 | $ 37,000 |
| Lee, Alabama | 4 | $ 561,000 | $ 140,250 | $ 36,000 |
| Miami-Dade, Florida | 4 | $ 741,000 | $ 185,250 | $ 75,000 |
| Giles, Tennessee | 4 | $ 356,000 | $ 89,000 | $ 78,000 |
| Maury, Tennessee | 4 | $ 329,000 | $ 82,250 | $ 39,000 |
| Barbour, Alabama | 3 | $ 363,000 | $ 121,000 | $ 58,000 |
| Colbert, Alabama | 3 | $ 267,000 | $ 89,000 | $ 59,000 |
| DeKalb, Alabama | 3 | $ 339,000 | $ 113,000 | $ 56,000 |
| Elmore, Alabama | 3 | $ 529,000 | $ 176,333 | $ 122,000 |
| Hillsborough, Florida | 3 | $ 524,000 | $ 174,666 | $ 74,000 |
| Palm Beach, Florida | 3 | $ 769,000 | $ 256,333 | $ 153,000 |
| Pasco, Florida | 3 | $ 465,000 | $ 155,000 | $ 45,000 |
| Pinellas, Florida | 3 | $ 638,000 | $ 212,666 | $ 147,000 |
| Cheatham, Tennessee | 3 | $ 182,000 | $ 60,666 | $ 28,000 |
| Knox, Tennessee | 3 | $ 778,000 | $ 259,333 | $ 42,000 |
| Sumner, Tennessee | 3 | $ 185,000 | $ 61,666 | $ 50,000 |
| Fairfax, Virginia | 3 | $ 1,001,000 | $ 333,666 | $ 122,000 |
| Autauga, Alabama | 2 | $ 288,000 | $ 144,000 | $ 60,000 |
| Geneva, Alabama | 2 | $ 176,000 | $ 88,000 | $ 36,000 |
| Montgomery, Alabama | 2 | $ 243,000 | $ 121,500 | $ 53,000 |
| St. Clair, Alabama | 2 | $ 204,000 | $ 102,000 | $ 80,000 |
| Winston, Alabama | 2 | $ 329,000 | $ 164,500 | $ 65,000 |
| Bay, Florida | 2 | $ 160,000 | $ 80,000 | $ 46,000 |
| Charlotte, Florida | 2 | $ 749,000 | $ 374,500 | $ 137,000 |
| Nassau, Florida | 2 | $ 155,000 | $ 77,500 | $ 34,000 |
| Volusia, Florida | 2 | $ 224,000 | $ 112,000 | $ 72,000 |
| Marion, Tennessee | 2 | $ 132,000 | $ 66,000 | $ 39,000 |
| Marshall, Tennessee | 2 | $ 172,000 | $ 86,000 | $ 54,000 |
| Roane, Tennessee | 2 | $ 439,000 | $ 219,500 | $ 137,000 |
| Washington, Tennessee | 2 | $ 123,000 | $ 61,500 | $ 79,000 |
| Wayne, Tennessee | 2 | $ 183,000 | $ 91,500 | $ 12,000 |
| Wilson, Tennessee | 2 | $ 187,000 | $ 93,500 | $ 71,000 |
| James City, Virginia | 2 | $ 494,000 | $ 247,000 | $ 65,000 |
| Franklin, Alabama | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Lawrence, Alabama | 1 | $ 170,000 | $ 170,000 | $ 38,000 |
| Marion, Alabama | 1 | $ 243,000 | $ 243,000 | $ 96,000 |
| Pickens, Alabama | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Randolph, Alabama | 1 | $ 376,000 | $ 376,000 | $ 165,000 |
| Sussex, Delaware | 1 | $ 134,000 | $ 134,000 | $ 144,000 |
| Collier, Florida | 1 | $ 185,000 | $ 185,000 | $ 285,000 |
| Duval, Florida | 1 | $ 112,000 | $ 112,000 | $ 39,000 |
| Escambia, Florida | 1 | $ 234,000 | $ 234,000 | $ 91,000 |
| Indian River, Florida | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| Jackson, Florida | 1 | $ 80,000 | $ 80,000 | $ 56,000 |
| Leon, Florida | 1 | $ 231,000 | $ 231,000 | $ 95,000 |
| Marion, Florida | 1 | $ 130,000 | $ 130,000 | $ 71,000 |
| Osceola, Florida | 1 | $ 180,000 | $ 180,000 | $ 35,000 |
| St. Johns, Florida | 1 | $ 414,000 | $ 414,000 | $ 98,000 |
| St. Lucie, Florida | 1 | $ 258,000 | $ 258,000 | $ 111,000 |
| Sumter, Florida | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Nash, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Anderson, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Bedford, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Benton, Tennessee | 1 | $ 110,000 | $ 110,000 | $ 73,000 |
| Blount, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Decatur, Tennessee | 1 | $ 44,000 | $ 44,000 | $ 42,000 |
| Dyer, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Hamblen, Tennessee | 1 | $ 230,000 | $ 230,000 | $ 101,000 |
| Hawkins, Tennessee | 1 | $ 78,000 | $ 78,000 | $ 136,000 |
| Jefferson, Tennessee | 1 | $ 169,000 | $ 169,000 | $ 105,000 |
| Loudon, Tennessee | 1 | $ 229,000 | $ 229,000 | $ 50,000 |
| Madison, Tennessee | 1 | $ 216,000 | $ 216,000 | $ 143,000 |
| Obion, Tennessee | 1 | $ 58,000 | $ 58,000 | $ 74,000 |
| Polk, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Sullivan, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Tipton, Tennessee | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Albemarle, Virginia | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Amherst, Virginia | 1 | $ 81,000 | $ 81,000 | $ 30,000 |
| Arlington, Virginia | 1 | $ 181,000 | $ 181,000 | $ 116,000 |
| Fauquier, Virginia | 1 | $ 484,000 | $ 484,000 | $ 149,000 |
| Franklin, Virginia | 1 | $ 137,000 | $ 137,000 | $ 65,000 |
| Frederick, Virginia | 1 | $ 325,000 | $ 325,000 | $ 59,000 |
| Loudoun, Virginia | 1 | $ 545,000 | $ 545,000 | $ 188,000 |
| Northampton, Virginia | 1 | $ 504,000 | $ 504,000 | $ 192,000 |
| Prince George, Virginia | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Smyth, Virginia | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Spotsylvania, Virginia | 1 | $ 276,000 | $ 276,000 | $ 78,000 |
| Sussex, Virginia | 1 | $ 148,000 | $ 148,000 | $ 80,000 |
| York, Virginia | 1 | $ 146,000 | $ 146,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Hometown Lenders, Inc. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,181 | $128,172,000 | $152,571 | $628,000 | $75,714 | $600,000 |
| Refinancing | 361 | $50,242,000 | $168,000 | $680,000 | $72,750 | $457,000 |
| 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 | 828 | $97,801,000 | $160,000 | $680,000 | $77,857 | $354,000 |
| Black or African American | 371 | $35,459,000 | $112,000 | $512,000 | $51,200 | $457,000 |
| Not Provided | 253 | $36,112,000 | $175,200 | $627,000 | $68,400 | $285,000 |
| Hispanic | 74 | $6,827,000 | $91,600 | $654,000 | $42,200 | $157,000 |
| Asian | 9 | $1,335,000 | $162,333 | $328,000 | $142,000 | $600,000 |
| American Indian or Alaskan Native | 6 | $792,000 | $123,000 | $301,000 | $55,500 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $88,000 | $88,000 | $88,000 | $66,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,342 | $156,324,000 | $155,571 | $680,000 | $77,714 | $600,000 |
| FHA-insured (Federal Housing Administration) | 127 | $11,737,000 | $89,200 | $173,000 | $33,200 | $98,000 |
| VA-guaranteed (Veterans Administration) | 53 | $8,333,000 | $182,600 | $315,000 | $62,800 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,020,000 | $92,000 | $161,000 | $26,500 | $59,000 |
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 | 1,164 | $131,714,000 | $142,285 | $680,000 | $81,285 | $457,000 |
| Application Withdrawn By Applicant | 257 | $34,279,000 | $181,000 | $628,000 | $71,000 | $600,000 |
| Application Denied By Financial Institution | 111 | $11,519,000 | $129,600 | $342,000 | $46,400 | $216,000 |
| Application Approved But Not Accepted | 8 | $435,000 | $60,666 | $98,000 | $56,666 | $93,000 |
| File Closed For Incompleteness | 1 | $232,000 | $232,000 | $232,000 | $104,000 | $104,000 |
| Preapproval Denied by Financial Institution | 1 | $235,000 | $235,000 | $235,000 | $37,000 | $37,000 |
| 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 | 73 | $7,171,000 | $108,000 | $272,000 | $36,250 | $216,000 |
| Debt-To-Income Ratio | 16 | $1,706,000 | $114,400 | $315,000 | $43,400 | $93,000 |
| Collateral | 8 | $759,000 | $117,750 | $187,000 | $52,750 | $90,000 |
| Other | 8 | $1,320,000 | $156,500 | $342,000 | $57,000 | $109,000 |
| Employment History | 4 | $369,000 | $91,333 | $119,000 | $31,666 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $60,000 | $60,000 |
| Unverifiable Information | 1 | $98,000 | $98,000 | $98,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 1 | $136,000 | $136,000 | $136,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometown Lenders, Inc.'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 Hometown Lenders, 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
with aggregated HMDA statistics today.
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