Noblebank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Noblebank & Trust of Anniston, AL reported 76 mortgage applications totaling $8.5 million, up 6% from 2017. The average application was for $111,710, and applicants reported an average income of $105,373. 83% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Anniston-Oxford-Jacksonville, AL (48), Birmingham-Hoover, AL (10) and Gadsden, 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 | 76 |
| Total Mortgage Loan Application Amount | $8,490,000 |
| Average Mortgage Loan Application Amount | $111,710 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $105,373 |
| Highest Applicant Income | $700,000 |
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Act (HMDA) records Noblebank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Noblebank & Trust in 2018
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 | 44 | $4,590,000 | $104,000 | $565,000 | $109,000 | $700,000 |
| Cash-out Refinancing | 17 | $2,835,000 | $166,000 | $755,000 | $101,000 | $153,000 |
| Home Improvement | 8 | $350,000 | $43,000 | $95,000 | $98,000 | $187,000 |
| Refinancing | 6 | $660,000 | $110,000 | $175,000 | $101,000 | $239,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Other Purpose | 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 | 49 | $6,045,000 | $123,000 | $755,000 | $111,000 | $700,000 |
| Not applicable | 14 | $1,040,000 | $74,000 | $135,000 | $0 | $0 |
| Not Provided | 5 | $555,000 | $111,000 | $175,000 | $108,000 | $239,000 |
| Black or African American | 5 | $395,000 | $79,000 | $145,000 | $64,000 | $98,000 |
| Asian | 2 | $370,000 | $185,000 | $325,000 | $50,000 | $65,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $135,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 76 | $8,490,000 | $111,000 | $755,000 | $105,000 | $700,000 |
| 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 | 63 | $6,625,000 | $105,000 | $565,000 | $116,000 | $700,000 |
| Application Denied By Financial Institution | 10 | $1,640,000 | $164,000 | $755,000 | $61,000 | $122,000 |
| Application Approved But Not Accepted | 2 | $100,000 | $50,000 | $55,000 | $69,000 | $96,000 |
| Application Withdrawn By Applicant | 1 | $125,000 | $125,000 | $125,000 | $57,000 | $57,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 66 | $6,850,000 | $103,000 | $565,000 | $113,000 | $700,000 |
| Credit History | 5 | $995,000 | $199,000 | $755,000 | $74,000 | $122,000 |
| Debt-To-Income Ratio | 3 | $435,000 | $145,000 | $325,000 | $51,000 | $65,000 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $24,000 | $24,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Noblebank & Trust's 2018 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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