Protective Life and Annuity Insurance Company Mortgage Lending & HMDA Data, 2018
In 2018, Protective Life and Annuity Insurance Company of Birmingham, AL reported 34 mortgage applications totaling $574.2 million, up 55% from 2017. The average application was for $16,887,941, and applicants reported an average income of $0. 85% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Fargo, ND-MN (4), Los Angeles-Long Beach-Glendale, CA (4) and Minneapolis-St. Paul-Bloomington, MN-WI (4) (applications in parentheses).
| Mortgage Company & Address | Protective Life and Annuity Insurance Company 2801 Highway 280 South Birmingham, AL 35223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 |
| Total Number of Mortgage Applications | 34 |
| Total Mortgage Loan Application Amount | $574,190,000 |
| Average Mortgage Loan Application Amount | $16,887,941 |
| Highest Mortgage Loan Application Amount | $48,005,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Protective Life and Annuity Insurance Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fargo, ND-MN | 4 | $ 34,190,000 | $ 8,547,500 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 158,110,000 | $ 39,527,500 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 77,320,000 | $ 19,330,000 | $ 0 |
| Huntsville, AL | 2 | $ 29,830,000 | $ 14,915,000 | $ 0 |
| Outside any metro area | 2 | $ 14,910,000 | $ 7,455,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 4,505,000 | $ 4,505,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 36,005,000 | $ 36,005,000 | $ 0 |
| Bismarck, ND | 1 | $ 14,005,000 | $ 14,005,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 4,505,000 | $ 4,505,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 12,905,000 | $ 12,905,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 4,255,000 | $ 4,255,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 19,005,000 | $ 19,005,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 3,185,000 | $ 3,185,000 | $ 0 |
| Knoxville, TN | 1 | $ 2,805,000 | $ 2,805,000 | $ 0 |
| Laredo, TX | 1 | $ 10,405,000 | $ 10,405,000 | $ 0 |
| Lincoln, NE | 1 | $ 11,005,000 | $ 11,005,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 22,505,000 | $ 22,505,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 26,195,000 | $ 26,195,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 7,505,000 | $ 7,505,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 22,325,000 | $ 22,325,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 15,205,000 | $ 15,205,000 | $ 0 |
| Terre Haute, IN | 1 | $ 8,505,000 | $ 8,505,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 35,005,000 | $ 35,005,000 | $ 0 |
Mortgage Loan Application Detail Totals for Protective Life and Annuity Insurance Company 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 16 | $366,980,000 | $22,936,000 | $43,585,000 | $0 | $0 |
| Refinancing | 8 | $89,610,000 | $11,201,000 | $22,505,000 | $0 | $0 |
| Home Purchase | 5 | $25,405,000 | $5,081,000 | $10,405,000 | $0 | $0 |
| Home Improvement | 4 | $86,290,000 | $21,572,000 | $48,005,000 | $0 | $0 |
| Not Applicable | 1 | $5,905,000 | $5,905,000 | $5,905,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 34 | $574,190,000 | $16,887,000 | $48,005,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 34 | $574,190,000 | $16,887,000 | $48,005,000 | $0 | $0 |
| 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 | 29 | $447,485,000 | $15,430,000 | $48,005,000 | $0 | $0 |
| Application Withdrawn By Applicant | 5 | $126,705,000 | $25,341,000 | $43,585,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 | 34 | $574,190,000 | $16,887,000 | $48,005,000 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Protective Life and Annuity Insurance Company'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 Protective Life and Annuity Insurance Company'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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