Molton, Allen & Williams Mtg Mortgage Lending & HMDA Data, 2003
In 2003, Molton, Allen & Williams Mtg of Birmingham, AL reported 16,395 mortgage applications totaling $2.3 billion. The average application was for $143,200, and applicants reported an average income of $51,377. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Norfolk-Virginia Beach-Newport News, VA-NC (2,210), Tampa-St. Petersburg-Clearwater, FL (1,074) and Atlanta, GA (961) (applications in parentheses).
| Mortgage Company & Address | Molton, Allen & Williams Mtg 1000 Urban Center Drive, Ste 500 Birmingham, AL 35242 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 16,395 |
| Total Mortgage Loan Application Amount | $2,347,768,000 |
| Average Mortgage Loan Application Amount | $143,200 |
| Highest Mortgage Loan Application Amount | $715,000 |
| Average Applicant Income | $51,377 |
| Highest Applicant Income | $819,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Molton, Allen & Williams Mtg filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Norfolk-Virginia Beach-Newport News, VA-NC | 2,210 | $ 298,234,000 | $ 134,947 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,074 | $ 136,700,000 | $ 127,281 | $ 49,000 |
| Atlanta, GA | 961 | $ 144,190,000 | $ 150,041 | $ 55,000 |
| Baltimore, MD | 806 | $ 129,237,000 | $ 160,343 | $ 51,000 |
| Chicago, IL | 679 | $ 108,051,000 | $ 159,132 | $ 60,000 |
| Roanoke, VA | 338 | $ 38,872,000 | $ 115,005 | $ 51,000 |
| Lynchburg, VA | 301 | $ 33,804,000 | $ 112,305 | $ 50,000 |
| St. Louis, MO-IL | 295 | $ 42,014,000 | $ 142,420 | $ 58,000 |
| Nashville, TN | 231 | $ 29,460,000 | $ 127,532 | $ 53,000 |
| Raleigh-Durham-Chapel Hill, NC | 178 | $ 25,761,000 | $ 144,724 | $ 44,000 |
| Fort Lauderdale, FL | 171 | $ 26,392,000 | $ 154,339 | $ 62,000 |
| Richmond-Petersburg, VA | 166 | $ 23,022,000 | $ 138,686 | $ 50,000 |
| Lakeland-Winter Haven, FL | 143 | $ 16,166,000 | $ 113,048 | $ 46,000 |
| Orlando, FL | 138 | $ 16,947,000 | $ 122,804 | $ 40,000 |
| Jacksonville, FL | 128 | $ 15,507,000 | $ 121,148 | $ 47,000 |
| Columbus, GA-AL | 118 | $ 14,185,000 | $ 120,211 | $ 40,000 |
| Mobile, AL | 117 | $ 11,357,000 | $ 97,068 | $ 47,000 |
| Fort Pierce-Port St. Lucie, FL | 113 | $ 14,778,000 | $ 130,778 | $ 49,000 |
| West Palm Beach-Boca Raton, FL | 111 | $ 14,566,000 | $ 131,225 | $ 42,000 |
| Fort Myers-Cape Coral, FL | 102 | $ 12,979,000 | $ 127,245 | $ 43,000 |
| Melbourne-Titusville-Palm Bay, FL | 99 | $ 11,866,000 | $ 119,858 | $ 42,000 |
| Daytona Beach, FL | 83 | $ 8,241,000 | $ 99,289 | $ 30,000 |
| Greensboro--Winston-Salem--High Point, NC | 81 | $ 8,738,000 | $ 107,876 | $ 39,000 |
| Pensacola, FL | 80 | $ 9,901,000 | $ 123,762 | $ 47,000 |
| Montgomery, AL | 77 | $ 8,675,000 | $ 112,662 | $ 51,000 |
| Joplin, MO | 72 | $ 6,946,000 | $ 96,472 | $ 52,000 |
| Memphis, TN-AR-MS | 71 | $ 7,287,000 | $ 102,633 | $ 38,000 |
| Hartford, CT | 70 | $ 13,212,000 | $ 188,742 | $ 94,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 63 | $ 9,344,000 | $ 148,317 | $ 48,000 |
| Sarasota-Bradenton, FL | 60 | $ 8,912,000 | $ 148,533 | $ 67,000 |
| Portland, ME | 51 | $ 8,537,000 | $ 167,392 | $ 67,000 |
| Birmingham, AL | 50 | $ 6,905,000 | $ 138,100 | $ 58,000 |
| Owensboro, KY | 48 | $ 5,319,000 | $ 110,812 | $ 53,000 |
| Florence, AL | 42 | $ 3,448,000 | $ 82,095 | $ 39,000 |
| Wilmington, NC | 40 | $ 5,167,000 | $ 129,175 | $ 53,000 |
| Dothan, AL | 39 | $ 4,967,000 | $ 127,358 | $ 53,000 |
| Gadsden, AL | 38 | $ 3,997,000 | $ 105,184 | $ 44,000 |
| Decatur, AL | 36 | $ 4,347,000 | $ 120,750 | $ 61,000 |
| Danville, VA | 34 | $ 3,183,000 | $ 93,617 | $ 49,000 |
| Hagerstown, MD | 34 | $ 4,155,000 | $ 122,205 | $ 32,000 |
| Jacksonville, NC | 34 | $ 3,276,000 | $ 96,352 | $ 31,000 |
| Charleston, WV | 32 | $ 3,346,000 | $ 104,562 | $ 53,000 |
| Cleveland-Lorain-Elyria, OH | 31 | $ 3,154,000 | $ 101,741 | $ 40,000 |
| Boston, MA-NH | 29 | $ 6,049,000 | $ 208,586 | $ 69,000 |
| Fort Walton Beach, FL | 29 | $ 4,025,000 | $ 138,793 | $ 58,000 |
| Myrtle Beach, SC | 28 | $ 4,109,000 | $ 146,750 | $ 55,000 |
| Detroit, MI | 27 | $ 3,628,000 | $ 134,370 | $ 49,000 |
| Huntsville, AL | 24 | $ 2,900,000 | $ 120,833 | $ 56,000 |
| Kansas City, MO-KS | 24 | $ 2,927,000 | $ 121,958 | $ 63,000 |
| Biloxi-Gulfport-Pascagoula, MS | 23 | $ 2,100,000 | $ 91,304 | $ 47,000 |
| Wilmington-Newark, DE-MD | 23 | $ 3,480,000 | $ 151,304 | $ 29,000 |
| Naples, FL | 21 | $ 2,265,000 | $ 107,857 | $ 57,000 |
| Auburn-Opelika, AL | 20 | $ 2,494,000 | $ 124,700 | $ 47,000 |
| Louisville, KY-IN | 20 | $ 2,537,000 | $ 126,850 | $ 54,000 |
| Lowell, MA-NH | 18 | $ 3,655,000 | $ 203,055 | $ 69,000 |
| Little Rock-North Little Rock, AR | 16 | $ 1,502,000 | $ 93,875 | $ 35,000 |
| Gainesville, FL | 15 | $ 1,397,000 | $ 93,133 | $ 23,000 |
| Greenville-Spartanburg-Anderson, SC | 15 | $ 2,240,000 | $ 149,333 | $ 49,000 |
| Albany, GA | 14 | $ 1,402,000 | $ 100,142 | $ 28,000 |
| Charlottesville, VA | 14 | $ 2,226,000 | $ 159,000 | $ 38,000 |
| Columbia, SC | 14 | $ 1,618,000 | $ 115,571 | $ 42,000 |
| New Haven-Meriden, CT | 14 | $ 2,444,000 | $ 174,571 | $ 73,000 |
| Topeka, KS | 13 | $ 1,009,000 | $ 77,615 | $ 31,000 |
| Charleston-North Charleston, SC | 11 | $ 1,484,000 | $ 134,909 | $ 55,000 |
| Clarksville-Hopkinsville, TN-KY | 11 | $ 1,358,000 | $ 123,454 | $ 59,000 |
| Cumberland, MD-WV | 11 | $ 1,276,000 | $ 116,000 | $ 41,000 |
| Gary, IN | 11 | $ 1,319,000 | $ 119,909 | $ 62,000 |
| Indianapolis, IN | 11 | $ 1,418,000 | $ 128,909 | $ 47,000 |
| Knoxville, TN | 11 | $ 1,134,000 | $ 103,090 | $ 24,000 |
| Milwaukee-Waukesha, WI | 10 | $ 1,217,000 | $ 121,700 | $ 40,000 |
| Dallas, TX | 9 | $ 1,135,000 | $ 126,111 | $ 25,000 |
| Fayetteville, NC | 9 | $ 950,000 | $ 105,555 | $ 28,000 |
| Columbia, MO | 8 | $ 756,000 | $ 94,500 | $ 53,000 |
| Dover, DE | 8 | $ 1,147,000 | $ 143,375 | $ 30,000 |
| Lexington, KY | 8 | $ 1,114,000 | $ 139,250 | $ 94,000 |
| Ocala, FL | 8 | $ 709,000 | $ 88,625 | $ 32,000 |
| Chattanooga, TN-GA | 7 | $ 612,000 | $ 87,428 | $ 16,000 |
| Panama City, FL | 7 | $ 1,047,000 | $ 149,571 | $ 127,000 |
| Punta Gorda, FL | 7 | $ 885,000 | $ 126,428 | $ 42,000 |
| Fitchburg-Leominster, MA | 6 | $ 874,000 | $ 145,666 | $ 59,000 |
| Jackson, MS | 6 | $ 588,000 | $ 98,000 | $ 32,000 |
| Oklahoma City, OK | 6 | $ 589,000 | $ 98,166 | $ 4,000 |
| Tallahassee, FL | 6 | $ 662,000 | $ 110,333 | $ 73,000 |
| Columbus, OH | 5 | $ 470,000 | $ 94,000 | $ 40,000 |
| Goldsboro, NC | 5 | $ 427,000 | $ 85,400 | $ 36,000 |
| Jackson, TN | 5 | $ 510,000 | $ 102,000 | $ 36,000 |
| Nashua, NH | 5 | $ 623,000 | $ 124,600 | $ 56,000 |
| Worcester, MA-CT | 5 | $ 942,000 | $ 188,400 | $ 52,000 |
| Bridgeport, CT | 4 | $ 875,000 | $ 218,750 | $ 125,000 |
| Lafayette, IN | 4 | $ 573,000 | $ 143,250 | $ 72,000 |
| Rockford, IL | 4 | $ 401,000 | $ 100,250 | $ 30,000 |
| Washington, DC-MD-VA-WV | 4 | $ 649,000 | $ 162,250 | $ 63,000 |
| Anniston, AL | 3 | $ 503,000 | $ 167,666 | $ 101,000 |
| Athens, GA | 3 | $ 426,000 | $ 142,000 | $ 60,000 |
| Augusta-Aiken, GA-SC | 3 | $ 379,000 | $ 126,333 | $ 39,000 |
| Greenville, NC | 3 | $ 339,000 | $ 113,000 | $ 44,000 |
| Hickory-Morganton-Lenoir, NC | 3 | $ 395,000 | $ 131,666 | $ 53,000 |
| Kenosha, WI | 3 | $ 480,000 | $ 160,000 | $ 138,000 |
| Lawrence, MA-NH | 3 | $ 666,000 | $ 222,000 | $ 68,000 |
| Macon, GA | 3 | $ 359,000 | $ 119,666 | $ 58,000 |
| Minneapolis-St. Paul, MN-WI | 3 | $ 462,000 | $ 154,000 | $ 0 |
| New London-Norwich, CT-RI | 3 | $ 439,000 | $ 146,333 | $ 95,000 |
| San Antonio, TX | 3 | $ 206,000 | $ 68,666 | $ 38,000 |
| Savannah, GA | 3 | $ 243,000 | $ 81,000 | $ 57,000 |
| Springfield, MA | 3 | $ 376,000 | $ 125,333 | $ 18,000 |
| Ann Arbor, MI | 2 | $ 374,000 | $ 187,000 | $ 32,000 |
| Barnstable-Yarmouth, MA | 2 | $ 356,000 | $ 178,000 | $ 45,000 |
| Burlington, VT | 2 | $ 393,000 | $ 196,500 | $ 70,000 |
| Danbury, CT | 2 | $ 450,000 | $ 225,000 | $ 74,000 |
| Houston, TX | 2 | $ 318,000 | $ 159,000 | $ 34,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 190,000 | $ 95,000 | $ 46,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 2 | $ 181,000 | $ 90,500 | $ 50,000 |
| Lake Charles, LA | 2 | $ 222,000 | $ 111,000 | $ 60,000 |
| Lansing-East Lansing, MI | 2 | $ 251,000 | $ 125,500 | $ 0 |
| Lewiston-Auburn, ME | 2 | $ 250,000 | $ 125,000 | $ 70,000 |
| New Bedford, MA | 2 | $ 328,000 | $ 164,000 | $ 69,000 |
| Providence-Fall River-Warwick, RI-MA | 2 | $ 218,000 | $ 109,000 | $ 51,000 |
| Rocky Mount, NC | 2 | $ 180,000 | $ 90,000 | $ 41,000 |
| South Bend, IN | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Wichita, KS | 2 | $ 194,000 | $ 97,000 | $ 26,000 |
| Akron, OH | 1 | $ 124,000 | $ 124,000 | $ 33,000 |
| Austin-San Marcos, TX | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Bangor, ME | 1 | $ 90,000 | $ 90,000 | $ 36,000 |
| Brockton, MA | 1 | $ 279,000 | $ 279,000 | $ 87,000 |
| Elkhart-Goshen, IN | 1 | $ 112,000 | $ 112,000 | $ 50,000 |
| Florence, SC | 1 | $ 168,000 | $ 168,000 | $ 136,000 |
| Galveston-Texas City, TX | 1 | $ 174,000 | $ 174,000 | $ 52,000 |
| Grand Rapids-Muskegon-Holland, MI | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Kankakee, IL | 1 | $ 154,000 | $ 154,000 | $ 67,000 |
| Kokomo, IN | 1 | $ 87,000 | $ 87,000 | $ 26,000 |
| Manchester, NH | 1 | $ 183,000 | $ 183,000 | $ 36,000 |
| Mansfield, OH | 1 | $ 156,000 | $ 156,000 | $ 94,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 52,000 | $ 52,000 | $ 77,000 |
| Miami, FL | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Pine Bluff, AR | 1 | $ 108,000 | $ 108,000 | $ 97,000 |
| Saginaw-Bay City-Midland, MI | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Stamford-Norwalk, CT | 1 | $ 378,000 | $ 378,000 | $ 115,000 |
| Tuscaloosa, AL | 1 | $ 176,000 | $ 176,000 | $ 52,000 |
| Waterbury, CT | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Youngstown-Warren, OH | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
Mortgage Loan Application Detail Totals for Molton, Allen & Williams Mtg in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 12,746 | $1,862,045,000 | $134,516 | $715,000 | $50,161 | $819,000 |
| Home Purchase (one-to-four family) | 3,649 | $485,723,000 | $133,185 | $658,000 | $55,074 | $584,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 11,258 | $1,617,775,000 | $141,032 | $715,000 | $55,096 | $819,000 |
| Information not provided by applicant in mail or telephone application | 2,374 | $336,258,000 | $134,222 | $700,000 | $42,851 | $382,000 |
| Black | 1,435 | $188,972,000 | $113,400 | $385,000 | $42,120 | $720,000 |
| Hispanic | 748 | $103,038,000 | $119,380 | $633,000 | $41,571 | $570,000 |
| Asian or Pacific Islander | 461 | $83,915,000 | $151,187 | $625,000 | $65,312 | $300,000 |
| Other | 75 | $11,790,000 | $145,727 | $400,000 | $45,000 | $194,000 |
| American Indian or Alaskan Native | 32 | $4,582,000 | $134,000 | $320,000 | $38,090 | $155,000 |
| Not applicable | 12 | $1,438,000 | $118,750 | $146,000 | $58,500 | $95,000 |
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) | 10,950 | $1,652,232,000 | $142,551 | $715,000 | $68,482 | $819,000 |
| FHA-insured (Federal Housing Administration) | 3,453 | $413,911,000 | $114,666 | $325,000 | $34,000 | $328,000 |
| VA-guaranteed (Veterans Administration) | 1,992 | $281,625,000 | $121,652 | $304,000 | $25,565 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 12,555 | $1,810,161,000 | $135,096 | $715,000 | $50,870 | $819,000 |
| Application Approved But Not Accepted | 1,219 | $177,998,000 | $128,000 | $597,000 | $51,160 | $400,000 |
| Application Denied By Financial Institution | 1,038 | $137,334,000 | $125,000 | $650,000 | $48,440 | $570,000 |
| Application Withdrawn By Applicant | 1,017 | $142,646,000 | $136,360 | $645,000 | $45,680 | $732,000 |
| File Closed For Incompleteness | 316 | $46,357,000 | $149,277 | $700,000 | $53,333 | $383,000 |
| Loan Purchased By The Institution | 250 | $33,272,000 | $124,555 | $365,000 | $75,666 | $421,000 |
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 | 409 | $52,230,000 | $132,250 | $438,000 | $49,208 | $444,000 |
| Debt-To-Income Ratio | 259 | $35,682,000 | $118,823 | $650,000 | $46,058 | $337,000 |
| Other | 153 | $21,402,000 | $127,117 | $424,000 | $55,588 | $570,000 |
| Collateral | 110 | $13,802,000 | $126,705 | $488,000 | $68,176 | $225,000 |
| Credit Application Incomplete | 35 | $4,642,000 | $123,500 | $323,000 | $37,875 | $240,000 |
| Employment History | 24 | $2,630,000 | $99,615 | $320,000 | $40,538 | $182,000 |
| Unverifiable Information | 17 | $2,613,000 | $134,125 | $309,000 | $50,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $463,000 | $105,000 | $196,000 | $58,666 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Molton, Allen & Williams Mtg's 2003 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 Molton, Allen & Williams Mtg'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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