Noblebank & Trust, N.A. Mortgage Lending & HMDA Data, 2007
In 2007, Noblebank & Trust, N.A. of Anniston, AL reported 223 mortgage applications totaling $35.8 million. The average application was for $160,511, and applicants reported an average income of $100,130. 74% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Anniston-Oxford, AL (135), Birmingham-Hoover, AL (12) and Auburn-Opelika, AL (9) (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 | 223 |
| Total Mortgage Loan Application Amount | $35,794,000 |
| Average Mortgage Loan Application Amount | $160,511 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $100,130 |
| Highest Applicant Income | $1,018,000 |
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(HMDA) records Noblebank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Calhoun, Alabama | 135 | $ 20,793,000 | $ 154,022 | $ 92,000 |
| Talladega, Alabama | 14 | $ 2,292,000 | $ 163,714 | $ 84,000 |
| Cleburne, Alabama | 13 | $ 2,353,000 | $ 181,000 | $ 85,000 |
| Lee, Alabama | 9 | $ 2,052,000 | $ 228,000 | $ 218,000 |
| St. Clair, Alabama | 7 | $ 1,400,000 | $ 200,000 | $ 93,000 |
| Jefferson, Alabama | 5 | $ 977,000 | $ 195,400 | $ 225,000 |
| Randolph, Alabama | 4 | $ 305,000 | $ 76,250 | $ 53,000 |
| Bay, Florida | 4 | $ 1,438,000 | $ 359,500 | $ 178,000 |
| Etowah, Alabama | 2 | $ 323,000 | $ 161,500 | $ 176,000 |
| Autauga, Alabama | 1 | $ 159,000 | $ 159,000 | $ 155,000 |
| Clay, Alabama | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| DeKalb, Alabama | 1 | $ 138,000 | $ 138,000 | $ 90,000 |
| Montgomery, Alabama | 1 | $ 192,000 | $ 192,000 | $ 212,000 |
| Pike, Alabama | 1 | $ 1,000 | $ 1,000 | $ 97,000 |
| Tuscaloosa, Alabama | 1 | $ 178,000 | $ 178,000 | $ 324,000 |
| Citrus, Florida | 1 | $ 184,000 | $ 184,000 | $ 112,000 |
| Walton, Florida | 1 | $ 321,000 | $ 321,000 | $ 420,000 |
| Fulton, Georgia | 1 | $ 220,000 | $ 220,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Noblebank & Trust, N.A. 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 | 111 | $17,283,000 | $155,000 | $900,000 | $95,000 | $738,000 |
| Refinancing | 110 | $18,481,000 | $168,000 | $590,000 | $106,000 | $1,018,000 |
| Home Improvement | 2 | $30,000 | $15,000 | $26,000 | $62,000 | $104,000 |
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 | 199 | $32,510,000 | $163,000 | $900,000 | $105,000 | $1,018,000 |
| Black or African American | 11 | $1,080,000 | $98,000 | $232,000 | $55,000 | $117,000 |
| Not Provided | 9 | $1,590,000 | $176,000 | $590,000 | $72,000 | $300,000 |
| Hispanic | 4 | $614,000 | $153,000 | $232,000 | $65,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 223 | $35,794,000 | $160,000 | $900,000 | $100,000 | $1,018,000 |
| 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 | 164 | $27,739,000 | $169,000 | $500,000 | $112,000 | $1,018,000 |
| Application Approved But Not Accepted | 28 | $5,126,000 | $183,000 | $590,000 | $88,000 | $333,000 |
| Application Denied By Financial Institution | 28 | $2,648,000 | $94,000 | $900,000 | $45,000 | $231,000 |
| Preapproval Denied by Financial Institution | 3 | $281,000 | $93,000 | $200,000 | $58,000 | $117,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 26 | $1,634,000 | $62,000 | $500,000 | $41,000 | $117,000 |
| Debt-To-Income Ratio | 2 | $255,000 | $127,000 | $180,000 | $34,000 | $55,000 |
| Employment History | 1 | $70,000 | $70,000 | $70,000 | $26,000 | $26,000 |
| Collateral | 1 | $900,000 | $900,000 | $900,000 | $231,000 | $231,000 |
| Other | 1 | $70,000 | $70,000 | $70,000 | $31,000 | $31,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Noblebank & Trust, N.A.'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 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.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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