Noblebank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Noblebank & Trust of Anniston, AL reported 72 mortgage applications totaling $8.7 million, up 36% from 2016. The average application was for $121,375, and applicants reported an average income of $98,708. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Anniston-Oxford-Jacksonville, AL (51), Birmingham-Hoover, AL (8) and Auburn-Opelika, AL (3) (applications in parentheses).
| Mortgage Company & Address | Noblebank & Trust 1509 Quintard Ave Anniston, AL 36201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 72 |
| Total Mortgage Loan Application Amount | $8,739,000 |
| Average Mortgage Loan Application Amount | $121,375 |
| Highest Mortgage Loan Application Amount | $1,617,000 |
| Average Applicant Income | $98,708 |
| Highest Applicant Income | $1,342,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Noblebank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 51 | $ 4,438,000 | $ 87,019 | $ 47,000 |
| Jefferson, Alabama | 5 | $ 1,304,000 | $ 260,800 | $ 355,000 |
| Cleburne, Alabama | 4 | $ 679,000 | $ 169,750 | $ 92,000 |
| Lee, Alabama | 3 | $ 356,000 | $ 118,666 | $ 242,000 |
| Talladega, Alabama | 3 | $ 958,000 | $ 319,333 | $ 523,000 |
| Shelby, Alabama | 2 | $ 450,000 | $ 225,000 | $ 26,000 |
| Etowah, Alabama | 1 | $ 141,000 | $ 141,000 | $ 0 |
| St. Clair, Alabama | 1 | $ 36,000 | $ 36,000 | $ 50,000 |
| Haralson, Georgia | 1 | $ 144,000 | $ 144,000 | $ 85,000 |
| Henry, Georgia | 1 | $ 233,000 | $ 233,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Noblebank & Trust in 2017
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 | 43 | $4,569,000 | $106,000 | $608,000 | $94,000 | $841,000 |
| Refinancing | 21 | $3,905,000 | $185,000 | $1,617,000 | $125,000 | $1,342,000 |
| Home Improvement | 8 | $265,000 | $33,000 | $61,000 | $55,000 | $115,000 |
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 | 44 | $4,386,000 | $99,000 | $608,000 | $151,000 | $1,342,000 |
| Not applicable | 23 | $3,812,000 | $165,000 | $1,617,000 | $0 | $0 |
| Not Provided | 3 | $476,000 | $158,000 | $418,000 | $109,000 | $227,000 |
| Asian | 1 | $22,000 | $22,000 | $22,000 | $54,000 | $54,000 |
| Hispanic | 1 | $43,000 | $43,000 | $43,000 | $90,000 | $90,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 72 | $8,739,000 | $121,000 | $1,617,000 | $99,000 | $1,342,000 |
| 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 | 60 | $7,656,000 | $127,000 | $1,617,000 | $108,000 | $1,342,000 |
| Application Denied By Financial Institution | 5 | $183,000 | $36,000 | $53,000 | $37,000 | $74,000 |
| Application Withdrawn By Applicant | 5 | $460,000 | $92,000 | $175,000 | $66,000 | $98,000 |
| File Closed For Incompleteness | 1 | $355,000 | $355,000 | $355,000 | $60,000 | $60,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $97,000 | $32,000 | $47,000 | $27,000 | $41,000 |
| Debt-To-Income Ratio | 1 | $53,000 | $53,000 | $53,000 | $74,000 | $74,000 |
| Collateral | 1 | $33,000 | $33,000 | $33,000 | $30,000 | $30,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Noblebank & Trust's 2017 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'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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