Noblebank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Noblebank & Trust of Anniston, AL reported 53 mortgage applications totaling $5.8 million, down 16% from 2015. The average application was for $109,188, and applicants reported an average income of $79,641. 87% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Anniston-Oxford-Jacksonville, AL (37), Birmingham-Hoover, AL (9) and Atlanta-Sandy Springs-Roswell, GA (2) (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 | 53 |
| Total Mortgage Loan Application Amount | $5,787,000 |
| Average Mortgage Loan Application Amount | $109,188 |
| Highest Mortgage Loan Application Amount | $774,000 |
| Average Applicant Income | $79,641 |
| Highest Applicant Income | $620,000 |
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Act (HMDA) records Noblebank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anniston-Oxford-Jacksonville, AL | 37 | $ 2,196,000 | $ 59,351 | $ 55,000 |
| Birmingham-Hoover, AL | 9 | $ 2,445,000 | $ 271,666 | $ 140,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 320,000 | $ 160,000 | $ 289,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 68,000 | $ 68,000 | $ 73,000 |
| Gadsden, AL | 1 | $ 350,000 | $ 350,000 | $ 179,000 |
Mortgage Loan Application Detail Totals for Noblebank & Trust in 2016
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 | 33 | $3,833,000 | $116,000 | $774,000 | $81,000 | $620,000 |
| Refinancing | 12 | $1,441,000 | $120,000 | $350,000 | $95,000 | $270,000 |
| Home Improvement | 8 | $513,000 | $64,000 | $130,000 | $51,000 | $263,000 |
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 | 35 | $3,736,000 | $106,000 | $774,000 | $104,000 | $620,000 |
| Not applicable | 12 | $1,790,000 | $149,000 | $450,000 | $0 | $0 |
| Hispanic | 3 | $141,000 | $47,000 | $77,000 | $72,000 | $90,000 |
| Black or African American | 2 | $52,000 | $26,000 | $48,000 | $147,000 | $158,000 |
| American Indian or Alaskan Native | 1 | $68,000 | $68,000 | $68,000 | $73,000 | $73,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 53 | $5,787,000 | $109,000 | $774,000 | $80,000 | $620,000 |
| 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 | 46 | $5,613,000 | $122,000 | $774,000 | $82,000 | $620,000 |
| Application Denied By Financial Institution | 5 | $128,000 | $25,000 | $46,000 | $54,000 | $158,000 |
| Application Withdrawn By Applicant | 1 | $31,000 | $31,000 | $31,000 | $86,000 | $86,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $114,000 | $114,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $46,000 | $15,000 | $25,000 | $64,000 | $158,000 |
| Employment History | 1 | $36,000 | $36,000 | $36,000 | $35,000 | $35,000 |
| Other | 1 | $46,000 | $46,000 | $46,000 | $41,000 | $41,000 |
| Unverifiable Information | 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 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Noblebank & Trust's 2016 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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