Phenix-Girard Bank Mortgage Lending & HMDA Data, 2016
In 2016, Phenix-Girard Bank of Phenix City, AL reported 78 mortgage applications totaling $6.0 million, down 20% from 2015. The average application was for $77,025, and applicants reported an average income of $93,641. 91% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Columbus, GA-AL (50) and Auburn-Opelika, AL (28).
| Mortgage Company & Address | Phenix-Girard Bank 801 13th St Phenix City, AL 36867 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 78 |
| Total Mortgage Loan Application Amount | $6,008,000 |
| Average Mortgage Loan Application Amount | $77,025 |
| Highest Mortgage Loan Application Amount | $897,000 |
| Average Applicant Income | $93,641 |
| Highest Applicant Income | $3,700,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Phenix-Girard Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbus, GA-AL | 50 | $ 2,923,000 | $ 58,460 | $ 55,460 |
| Auburn-Opelika, AL | 28 | $ 3,085,000 | $ 110,178 | $ 162,000 |
Mortgage Loan Application Detail Totals for Phenix-Girard Bank 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 | 27 | $3,603,000 | $133,000 | $897,000 | $22,000 | $121,000 |
| Refinancing | 26 | $2,216,000 | $85,000 | $336,000 | $210,000 | $3,700,000 |
| Home Improvement | 25 | $189,000 | $7,000 | $27,000 | $50,000 | $130,000 |
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 | 46 | $1,897,000 | $41,000 | $221,000 | $154,000 | $3,700,000 |
| Not applicable | 27 | $4,057,000 | $150,000 | $897,000 | $0 | $0 |
| Black or African American | 4 | $41,000 | $10,000 | $22,000 | $41,000 | $111,000 |
| Hispanic | 1 | $13,000 | $13,000 | $13,000 | $60,000 | $60,000 |
| Native Hawaiin 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 |
| 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) | 78 | $6,008,000 | $77,000 | $897,000 | $94,000 | $3,700,000 |
| 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 | 71 | $5,946,000 | $83,000 | $897,000 | $100,000 | $3,700,000 |
| Application Denied By Financial Institution | 7 | $62,000 | $8,000 | $30,000 | $31,000 | $53,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 Phenix-Girard Bank'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 Phenix-Girard Bank'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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