Molton, Allen & Williams Mtg Mortgage Lending & HMDA Data, 2004
In 2004, Molton, Allen & Williams Mtg of Birmingham, AL reported 5,821 mortgage applications totaling $878.2 million, down 64% from 2003. The average application was for $150,875, and applicants reported an average income of $61,885. 76% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (678), Virginia Beach-Norfolk-Newport News, VA-NC (646) and Atlanta-Sandy Springs-Marietta, GA (385) (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 | 5,821 |
| Total Mortgage Loan Application Amount | $878,249,000 |
| Average Mortgage Loan Application Amount | $150,875 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $61,885 |
| Highest Applicant Income | $936,000 |
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records Molton, Allen & Williams Mtg filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 678 | $ 89,257,000 | $ 131,647 | $ 59,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 646 | $ 99,460,000 | $ 153,962 | $ 57,000 |
| Atlanta-Sandy Springs-Marietta, GA | 385 | $ 61,865,000 | $ 160,688 | $ 70,000 |
| Baltimore-Towson, MD | 186 | $ 32,884,000 | $ 176,795 | $ 69,000 |
| Roanoke, VA | 149 | $ 17,398,000 | $ 116,765 | $ 45,000 |
| Jacksonville, FL | 145 | $ 22,778,000 | $ 157,089 | $ 81,000 |
| Chicago-Naperville-Joliet, IL | 128 | $ 21,651,000 | $ 169,148 | $ 60,000 |
| Nashville-Davidson--Murfreesboro, TN | 109 | $ 13,571,000 | $ 124,504 | $ 59,000 |
| Bethesda-Frederick-Gaithersburg, MD | 101 | $ 23,937,000 | $ 237,000 | $ 85,000 |
| Cape Coral-Fort Myers, FL | 88 | $ 13,064,000 | $ 148,454 | $ 57,000 |
| Joplin, MO | 84 | $ 8,219,000 | $ 97,845 | $ 52,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 70 | $ 10,153,000 | $ 145,042 | $ 52,000 |
| Winchester, VA-WV | 63 | $ 9,693,000 | $ 153,857 | $ 60,000 |
| Mobile, AL | 61 | $ 5,730,000 | $ 93,934 | $ 51,000 |
| Orlando, FL | 55 | $ 6,507,000 | $ 118,309 | $ 52,000 |
| Sarasota-Bradenton-Venice, FL | 55 | $ 9,428,000 | $ 171,418 | $ 66,000 |
| Birmingham-Hoover, AL | 52 | $ 7,475,000 | $ 143,750 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 52 | $ 9,007,000 | $ 173,211 | $ 82,000 |
| Lakeland, FL | 48 | $ 6,341,000 | $ 132,104 | $ 89,000 |
| Port St. Lucie-Fort Pierce, FL | 48 | $ 6,905,000 | $ 143,854 | $ 61,000 |
| Richmond, VA | 48 | $ 7,211,000 | $ 150,229 | $ 63,000 |
| Lynchburg, VA | 47 | $ 5,673,000 | $ 120,702 | $ 47,000 |
| Oklahoma City, OK | 47 | $ 4,459,000 | $ 94,872 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 46 | $ 6,678,000 | $ 145,173 | $ 50,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 39 | $ 4,970,000 | $ 127,435 | $ 62,000 |
| Boston-Quincy, MA | 35 | $ 8,123,000 | $ 232,085 | $ 87,000 |
| Columbus, GA-AL | 35 | $ 4,294,000 | $ 122,685 | $ 48,000 |
| Gadsden, AL | 34 | $ 3,376,000 | $ 99,294 | $ 47,000 |
| Miami-Miami Beach-Kendall, FL | 32 | $ 4,831,000 | $ 150,968 | $ 69,000 |
| Clarksville, TN-KY | 31 | $ 3,219,000 | $ 103,838 | $ 59,000 |
| Pensacola-Ferry Pass-Brent, FL | 31 | $ 3,535,000 | $ 114,032 | $ 50,000 |
| Florence-Muscle Shoals, AL | 27 | $ 2,818,000 | $ 104,370 | $ 55,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 26 | $ 4,927,000 | $ 189,500 | $ 74,000 |
| Blacksburg-Christiansburg-Radford, VA | 25 | $ 2,691,000 | $ 107,640 | $ 58,000 |
| Essex County, MA | 21 | $ 5,154,000 | $ 245,428 | $ 67,000 |
| Kansas City, MO-KS | 21 | $ 3,119,000 | $ 148,523 | $ 79,000 |
| Portland-South Portland-Biddeford, ME | 20 | $ 3,557,000 | $ 177,850 | $ 80,000 |
| Memphis, TN-MS-AR | 19 | $ 1,649,000 | $ 86,789 | $ 44,000 |
| Montgomery, AL | 18 | $ 2,547,000 | $ 141,500 | $ 48,000 |
| Tulsa, OK | 17 | $ 1,458,000 | $ 85,764 | $ 52,000 |
| St. Louis, MO-IL | 16 | $ 2,394,000 | $ 149,625 | $ 48,000 |
| Tuscaloosa, AL | 16 | $ 1,685,000 | $ 105,312 | $ 40,000 |
| Auburn-Opelika, AL | 13 | $ 1,615,000 | $ 124,230 | $ 56,000 |
| Cambridge-Newton-Framingham, MA | 13 | $ 3,040,000 | $ 233,846 | $ 86,000 |
| Naples-Marco Island, FL | 13 | $ 2,074,000 | $ 159,538 | $ 75,000 |
| Bowling Green, KY | 12 | $ 1,743,000 | $ 145,250 | $ 102,000 |
| Gainesville, GA | 12 | $ 1,660,000 | $ 138,333 | $ 66,000 |
| Charleston, WV | 11 | $ 1,032,000 | $ 93,818 | $ 54,000 |
| Fort Walton Beach-Crestview-Destin, FL | 11 | $ 2,363,000 | $ 214,818 | $ 106,000 |
| Raleigh-Cary, NC | 11 | $ 1,773,000 | $ 161,181 | $ 66,000 |
| Charlotte-Gastonia-Concord, NC-SC | 10 | $ 1,229,000 | $ 122,900 | $ 50,000 |
| Worcester, MA | 10 | $ 2,332,000 | $ 233,200 | $ 85,000 |
| Cleveland-Elyria-Mentor, OH | 9 | $ 971,000 | $ 107,888 | $ 34,000 |
| Decatur, AL | 9 | $ 787,000 | $ 87,444 | $ 38,000 |
| Huntsville, AL | 9 | $ 1,439,000 | $ 159,888 | $ 69,000 |
| Little Rock-North Little Rock, AR | 9 | $ 1,254,000 | $ 139,333 | $ 45,000 |
| Louisville, KY-IN | 9 | $ 1,269,000 | $ 141,000 | $ 61,000 |
| Anniston-Oxford, AL | 8 | $ 863,000 | $ 107,875 | $ 47,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 1,467,000 | $ 183,375 | $ 62,000 |
| Jackson, MS | 8 | $ 1,041,000 | $ 130,125 | $ 88,000 |
| Ocala, FL | 8 | $ 1,001,000 | $ 125,125 | $ 54,000 |
| Barnstable Town, MA | 7 | $ 1,858,000 | $ 265,428 | $ 90,000 |
| Charleston-North Charleston, SC | 7 | $ 1,102,000 | $ 157,428 | $ 50,000 |
| Owensboro, KY | 7 | $ 626,000 | $ 89,428 | $ 40,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,340,000 | $ 191,428 | $ 63,000 |
| Charlottesville, VA | 6 | $ 940,000 | $ 156,666 | $ 68,000 |
| Dothan, AL | 6 | $ 529,000 | $ 88,166 | $ 46,000 |
| Manchester-Nashua, NH | 6 | $ 1,089,000 | $ 181,500 | $ 67,000 |
| Panama City-Lynn Haven, FL | 6 | $ 1,000,000 | $ 166,666 | $ 109,000 |
| Providence-New Bedford-Fall River, RI-MA | 6 | $ 1,053,000 | $ 175,500 | $ 67,000 |
| Wilmington, NC | 6 | $ 665,000 | $ 110,833 | $ 39,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 933,000 | $ 186,600 | $ 89,000 |
| Salisbury, MD | 5 | $ 744,000 | $ 148,800 | $ 72,000 |
| Tallahassee, FL | 5 | $ 620,000 | $ 124,000 | $ 54,000 |
| Indianapolis, IN | 4 | $ 821,000 | $ 205,250 | $ 95,000 |
| Punta Gorda, FL | 4 | $ 413,000 | $ 103,250 | $ 69,000 |
| Savannah, GA | 4 | $ 555,000 | $ 138,750 | $ 72,000 |
| Wilmington, DE-MD-NJ | 4 | $ 653,000 | $ 163,250 | $ 49,000 |
| Winston-Salem, NC | 4 | $ 357,000 | $ 89,250 | $ 52,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 265,000 | $ 88,333 | $ 52,000 |
| Baton Rouge, LA | 3 | $ 323,000 | $ 107,666 | $ 62,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 325,000 | $ 108,333 | $ 38,000 |
| Evansville, IN-KY | 3 | $ 186,000 | $ 62,000 | $ 61,000 |
| Gainesville, FL | 3 | $ 383,000 | $ 127,666 | $ 48,000 |
| Lafayette, IN | 3 | $ 244,000 | $ 81,333 | $ 38,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 303,000 | $ 101,000 | $ 43,000 |
| Springfield, MA | 3 | $ 420,000 | $ 140,000 | $ 57,000 |
| Warner Robins, GA | 3 | $ 661,000 | $ 220,333 | $ 74,000 |
| Albany, GA | 2 | $ 260,000 | $ 130,000 | $ 36,000 |
| Athens-Clarke County, GA | 2 | $ 218,000 | $ 109,000 | $ 91,000 |
| Brunswick, GA | 2 | $ 360,000 | $ 180,000 | $ 51,000 |
| Dover, DE | 2 | $ 235,000 | $ 117,500 | $ 111,000 |
| Durham, NC | 2 | $ 231,000 | $ 115,500 | $ 33,000 |
| Elizabethtown, KY | 2 | $ 180,000 | $ 90,000 | $ 50,000 |
| Fort Worth-Arlington, TX | 2 | $ 239,000 | $ 119,500 | $ 0 |
| Greensboro-High Point, NC | 2 | $ 188,000 | $ 94,000 | $ 16,000 |
| Jacksonville, NC | 2 | $ 229,000 | $ 114,500 | $ 42,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 227,000 | $ 113,500 | $ 57,000 |
| New Haven-Milford, CT | 2 | $ 297,000 | $ 148,500 | $ 73,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 359,000 | $ 179,500 | $ 99,000 |
| Valdosta, GA | 2 | $ 236,000 | $ 118,000 | $ 48,000 |
| Warren-Farmington Hills-Troy, MI | 2 | $ 334,000 | $ 167,000 | $ 62,000 |
| Asheville, NC | 1 | $ 220,000 | $ 220,000 | $ 91,000 |
| Austin-Round Rock, TX | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Bloomington, IN | 1 | $ 71,000 | $ 71,000 | $ 35,000 |
| Burlington-South Burlington, VT | 1 | $ 1,000,000 | $ 1,000,000 | $ 281,000 |
| Columbia, MO | 1 | $ 213,000 | $ 213,000 | $ 71,000 |
| Columbia, SC | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Cumberland, MD-WV | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Dallas-Plano-Irving, TX | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Danville, VA | 1 | $ 63,000 | $ 63,000 | $ 17,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Gary, IN | 1 | $ 89,000 | $ 89,000 | $ 38,000 |
| Greenville, SC | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
| Gulfport-Biloxi, MS | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 330,000 | $ 330,000 | $ 74,000 |
| Jackson, MI | 1 | $ 114,000 | $ 114,000 | $ 55,000 |
| Jackson, TN | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Kalamazoo-Portage, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Knoxville, TN | 1 | $ 61,000 | $ 61,000 | $ 61,000 |
| Lawton, OK | 1 | $ 82,000 | $ 82,000 | $ 28,000 |
| Lewiston-Auburn, ME | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 46,000 | $ 46,000 | $ 20,000 |
| Monroe, MI | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Racine, WI | 1 | $ 191,000 | $ 191,000 | $ 112,000 |
| Rome, GA | 1 | $ 76,000 | $ 76,000 | $ 38,000 |
| Terre Haute, IN | 1 | $ 86,000 | $ 86,000 | $ 137,000 |
| Vero Beach, FL | 1 | $ 138,000 | $ 138,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Molton, Allen & Williams Mtg in 2004
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 | 2,973 | $471,640,000 | $175,500 | $1,000,000 | $67,333 | $936,000 |
| Home Purchase | 2,848 | $406,609,000 | $150,896 | $822,000 | $75,206 | $658,000 |
| 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 | 4,293 | $651,418,000 | $150,133 | $822,000 | $68,500 | $936,000 |
| Black or African American | 652 | $87,565,000 | $135,173 | $619,000 | $43,304 | $267,000 |
| Not Provided | 339 | $50,760,000 | $152,800 | $732,000 | $70,400 | $417,000 |
| Hispanic | 329 | $49,925,000 | $204,111 | $1,000,000 | $58,666 | $281,000 |
| Asian | 136 | $28,646,000 | $164,230 | $600,000 | $69,000 | $286,000 |
| Native Hawaiian or Other Pacific Islander | 59 | $8,154,000 | $126,875 | $320,000 | $42,750 | $230,000 |
| American Indian or Alaskan Native | 13 | $1,781,000 | $120,625 | $310,000 | $44,500 | $89,000 |
| 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) | 3,772 | $616,661,000 | $189,580 | $1,000,000 | $82,741 | $936,000 |
| FHA-insured (Federal Housing Administration) | 1,532 | $185,907,000 | $120,413 | $332,000 | $37,344 | $250,000 |
| VA-guaranteed (Veterans Administration) | 517 | $75,681,000 | $142,388 | $289,000 | $49,333 | $164,000 |
| 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 | 4,441 | $677,361,000 | $177,100 | $1,000,000 | $73,366 | $936,000 |
| Application Approved But Not Accepted | 442 | $67,073,000 | $162,458 | $822,000 | $66,916 | $351,000 |
| Application Denied By Financial Institution | 420 | $58,848,000 | $131,500 | $732,000 | $51,150 | $319,000 |
| Application Withdrawn By Applicant | 210 | $31,782,000 | $154,391 | $527,000 | $66,434 | $428,000 |
| Loan Purchased By The Institution | 156 | $23,029,000 | $136,578 | $400,000 | $31,736 | $276,000 |
| File Closed For Incompleteness | 81 | $11,229,000 | $119,647 | $500,000 | $65,529 | $246,000 |
| Preapproval Denied by Financial Institution | 58 | $7,279,000 | $125,000 | $289,000 | $43,000 | $150,000 |
| Preapproval Approved but not Accepted | 13 | $1,648,000 | $126,000 | $189,000 | $64,000 | $81,000 |
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 | 187 | $24,712,000 | $138,062 | $440,000 | $50,375 | $222,000 |
| Debt-To-Income Ratio | 127 | $17,043,000 | $126,285 | $362,000 | $38,357 | $120,000 |
| Other | 43 | $6,971,000 | $133,857 | $732,000 | $67,785 | $300,000 |
| Collateral | 38 | $5,697,000 | $140,153 | $580,000 | $68,230 | $172,000 |
| Unverifiable Information | 23 | $3,371,000 | $202,833 | $538,000 | $65,333 | $233,000 |
| Employment History | 16 | $1,772,000 | $113,454 | $265,000 | $47,818 | $132,000 |
| Credit Application Incomplete | 8 | $953,000 | $119,000 | $156,000 | $55,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $599,000 | $199,666 | $210,000 | $54,333 | $81,000 |
| Mortgage Insurance Denied | 1 | $89,000 | $89,000 | $89,000 | $27,000 | $27,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Molton, Allen & Williams Mtg's 2004 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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