Jdc Mortgage Company Mortgage Lending & HMDA Data, 2007
In 2007, Jdc Mortgage Company of Mobile, AL reported 456 mortgage applications totaling $66.9 million, down 39% from 2006. The average application was for $146,668, and applicants reported an average income of $87,013. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Mobile, AL (146), Pensacola-Ferry Pass-Brent, FL (107) and Orlando-Kissimmee, FL (33) (applications in parentheses).
| Mortgage Company & Address | Jdc Mortgage Company 4141 North Beline Hwy Mobile, AL 36608 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 456 |
| Total Mortgage Loan Application Amount | $66,881,000 |
| Average Mortgage Loan Application Amount | $146,668 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $87,013 |
| Highest Applicant Income | $730,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Jdc Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Mobile, Alabama | 146 | $ 21,554,000 | $ 147,630 | $ 92,000 |
| Monroe, Alabama | 71 | $ 6,282,000 | $ 88,478 | $ 62,000 |
| Santa Rosa, Florida | 63 | $ 9,867,000 | $ 156,619 | $ 62,000 |
| Baldwin, Alabama | 50 | $ 7,528,000 | $ 150,560 | $ 146,000 |
| Escambia, Florida | 44 | $ 6,627,000 | $ 150,613 | $ 77,000 |
| Lake, Florida | 32 | $ 6,737,000 | $ 210,531 | $ 87,000 |
| Marion, Florida | 15 | $ 3,025,000 | $ 201,666 | $ 63,000 |
| Sumter, Florida | 9 | $ 1,919,000 | $ 213,222 | $ 166,000 |
| Clarke, Alabama | 5 | $ 432,000 | $ 86,400 | $ 47,000 |
| Conecuh, Alabama | 5 | $ 726,000 | $ 145,200 | $ 70,000 |
| Escambia, Alabama | 4 | $ 491,000 | $ 122,750 | $ 61,000 |
| Covington, Alabama | 2 | $ 130,000 | $ 65,000 | $ 39,000 |
| Elmore, Alabama | 2 | $ 120,000 | $ 60,000 | $ 56,000 |
| Marshall, Alabama | 2 | $ 178,000 | $ 89,000 | $ 58,000 |
| Butler, Alabama | 1 | $ 164,000 | $ 164,000 | $ 46,000 |
| Wilcox, Alabama | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Orange, Florida | 1 | $ 236,000 | $ 236,000 | $ 71,000 |
| Palm Beach, Florida | 1 | $ 302,000 | $ 302,000 | $ 102,000 |
| Cobb, Georgia | 1 | $ 221,000 | $ 221,000 | $ 65,000 |
| Harrison, Mississippi | 1 | $ 167,000 | $ 167,000 | $ 730,000 |
Mortgage Loan Application Detail Totals for Jdc Mortgage Company in 2007
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 | 406 | $60,890,000 | $149,000 | $527,000 | $88,000 | $730,000 |
| Refinancing | 35 | $5,128,000 | $146,000 | $600,000 | $85,000 | $425,000 |
| Home Improvement | 15 | $863,000 | $57,000 | $104,000 | $65,000 | $129,000 |
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 | 332 | $49,952,000 | $150,000 | $600,000 | $90,000 | $730,000 |
| Black or African American | 43 | $5,314,000 | $123,000 | $215,000 | $51,000 | $116,000 |
| Not Provided | 38 | $5,098,000 | $134,000 | $265,000 | $104,000 | $455,000 |
| Hispanic | 24 | $3,477,000 | $144,000 | $363,000 | $78,000 | $174,000 |
| Asian | 14 | $2,130,000 | $152,000 | $284,000 | $132,000 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $452,000 | $150,000 | $168,000 | $53,000 | $62,000 |
| American Indian or Alaskan Native | 2 | $458,000 | $229,000 | $326,000 | $33,000 | $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) | 353 | $50,575,000 | $143,000 | $600,000 | $95,000 | $730,000 |
| FHA-insured (Federal Housing Administration) | 57 | $7,872,000 | $138,000 | $234,000 | $62,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 39 | $7,422,000 | $190,000 | $320,000 | $61,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,012,000 | $144,000 | $212,000 | $45,000 | $61,000 |
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 | 343 | $48,741,000 | $142,000 | $600,000 | $86,000 | $730,000 |
| Application Withdrawn By Applicant | 57 | $8,838,000 | $155,000 | $513,000 | $104,000 | $703,000 |
| Application Approved But Not Accepted | 32 | $5,328,000 | $166,000 | $527,000 | $87,000 | $455,000 |
| Application Denied By Financial Institution | 24 | $3,974,000 | $165,000 | $363,000 | $71,000 | $174,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Other | 7 | $1,262,000 | $180,000 | $254,000 | $54,000 | $78,000 |
| Unverifiable Information | 6 | $1,126,000 | $187,000 | $363,000 | $121,000 | $174,000 |
| Collateral | 3 | $437,000 | $145,000 | $164,000 | $51,000 | $67,000 |
| Debt-To-Income Ratio | 3 | $353,000 | $117,000 | $215,000 | $72,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $351,000 | $175,000 | $261,000 | $53,000 | $70,000 |
| Credit History | 2 | $284,000 | $142,000 | $156,000 | $45,000 | $60,000 |
| Credit Application Incomplete | 1 | $161,000 | $161,000 | $161,000 | $52,000 | $52,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jdc Mortgage Company's 2007 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 Jdc Mortgage Company'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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