Noblebank & Trust, N.A. Mortgage Lending & HMDA Data, 2012
In 2012, Noblebank & Trust, N.A. of Anniston, AL reported 60 mortgage applications totaling $4.8 million, up 362% from 2011. The average application was for $79,566, and applicants reported an average income of $57,133. 87% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Anniston-Oxford, AL (44), Birmingham-Hoover, AL (3) and Panama City-Lynn Haven-Panama City Beach, FL (1) (applications in parentheses).
| Mortgage Company & Address | Noblebank & Trust, N.A. 1509 Quintard Avenue Anniston, AL 36201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 60 |
| Total Mortgage Loan Application Amount | $4,774,000 |
| Average Mortgage Loan Application Amount | $79,566 |
| Highest Mortgage Loan Application Amount | $280,000 |
| Average Applicant Income | $57,133 |
| Highest Applicant Income | $207,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Noblebank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Noblebank & Trust, N.A. in 2012
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 | 30 | $2,251,000 | $75,000 | $190,000 | $47,000 | $148,000 |
| Home Purchase | 19 | $1,796,000 | $94,000 | $280,000 | $68,000 | $144,000 |
| Home Improvement | 11 | $727,000 | $66,000 | $250,000 | $66,000 | $207,000 |
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 | 42 | $3,136,000 | $74,000 | $280,000 | $66,000 | $207,000 |
| Not applicable | 9 | $786,000 | $87,000 | $181,000 | $0 | $0 |
| Hispanic | 5 | $274,000 | $54,000 | $123,000 | $77,000 | $97,000 |
| Not Provided | 2 | $202,000 | $101,000 | $155,000 | $61,000 | $62,000 |
| Black or African American | 2 | $376,000 | $188,000 | $189,000 | $64,000 | $68,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 60 | $4,774,000 | $79,000 | $280,000 | $57,000 | $207,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 52 | $3,828,000 | $73,000 | $250,000 | $57,000 | $207,000 |
| Application Approved But Not Accepted | 4 | $257,000 | $64,000 | $113,000 | $37,000 | $52,000 |
| Application Withdrawn By Applicant | 3 | $500,000 | $166,000 | $280,000 | $88,000 | $144,000 |
| Application Denied By Financial Institution | 1 | $189,000 | $189,000 | $189,000 | $61,000 | $61,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $189,000 | $189,000 | $189,000 | $61,000 | $61,000 |
| 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 |
| 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 Noblebank & Trust, N.A.'s 2012 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 Noblebank & Trust, N.A.'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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