Lowndes County, AL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 314 mortgage applications in Lowndes County, AL totaling $27.6 million, about the same as 2014. The average application was for $88,000, and applicants reported an average income of $54,000. 38% of applications resulted in an originated loan and 33% were denied. The most active lender was Regions Bank, with 51 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st Mortgage.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 314 |
| Total Mortgage Loan Application Amount | $27,632,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $1,004,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 51 | $ 2,531,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 41 | $ 2,086,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 32 | $ 1,963,000 |
| First Citizens Bank 100 WEST 3RD STREET, PO BOX 271 LUVERNE, AL 36049 |
* | $ 228,344,000 | 18 | $ 498,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 15 | $ 963,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,248,532,000 | 9 | $ 1,104,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 9 | $ 1,781,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 1,394,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,314,758,000 | 7 | $ 330,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 6 | $ 722,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 5 | $ 657,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 1,092,065,000 | 5 | $ 522,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 5 | $ 295,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 4 | $ 59,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 4 | $ 526,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 4 | $ 329,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 574,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 4 | $ 624,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 448,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 4 | $ 750,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 708,292,000 | 4 | $ 380,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 166,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 398,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 3 | $ 427,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 2 | $ 309,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 29,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 2 | $ 397,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 267,000 |
| Anchor Mortgage Services, Inc. 4260 CARMICHAEL COURT NORTH MONTGOMERY, AL 36106 |
* | $ 1,500,000 | 2 | $ 368,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 281,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ 298,628,000 | 2 | $ 85,000 |
| River Bank & Trust 2611 LEGENDS DRIVE PRATTVILLE, AL 36066 |
* | $ 446,707,000 | 2 | $ 196,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 254,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 75,000 |
| CU Community, LLC 2077 TOWN CENTER BOULEVARD KNOXVILLE, TN 37922 |
* | $ 981,094,000 | 1 | $ 141,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 220,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 517,645,000 | 1 | $ 168,000 |
| Usameribank 4790 140TH AVE N CLEARWATER, FL 33762 |
* | $ 3,075,790,000 | 1 | $ 450,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 274,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 119,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 185,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 72,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 121,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 1 | $ 96,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 276,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 125,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,785,742,000 | 1 | $ 96,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 1 | $ 100,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 79,624,593,000 | 1 | $ 5,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 1 | $ 36,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 160,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,777,424,000 | 1 | $ 21,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 20,632,572,000 | 1 | $ 12,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 113,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 41,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 75,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 341,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 212,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 190,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 330,728,000 | 1 | $ 28,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 19,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 108,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 145,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 180,000 |
The tables below break down 2015 mortgage applications in Lowndes County, AL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lowndes County, AL in 2015
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 |
|---|---|---|---|---|---|---|
| Refinancing | 142 | $16,026,000 | $112,000 | $402,000 | $59,000 | $160,000 |
| Home Purchase | 124 | $11,135,000 | $89,000 | $450,000 | $53,000 | $1,004,000 |
| Home Improvement | 48 | $471,000 | $9,000 | $32,000 | $40,000 | $117,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 189 | $13,191,000 | $69,000 | $402,000 | $46,000 | $160,000 |
| White | 92 | $10,817,000 | $117,000 | $450,000 | $79,000 | $1,004,000 |
| Not applicable | 17 | $2,430,000 | $142,000 | $274,000 | $1,000 | $27,000 |
| Not Provided | 12 | $752,000 | $62,000 | $208,000 | $47,000 | $160,000 |
| Hispanic | 2 | $187,000 | $93,000 | $177,000 | $19,000 | $38,000 |
| American Indian or Alaskan Native | 2 | $255,000 | $127,000 | $144,000 | $136,000 | $150,000 |
| Asian | 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) | 245 | $17,949,000 | $73,000 | $450,000 | $51,000 | $204,000 |
| FHA-insured (Federal Housing Administration) | 41 | $4,904,000 | $119,000 | $276,000 | $44,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 27 | $4,650,000 | $172,000 | $341,000 | $95,000 | $1,004,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $129,000 | $129,000 | $129,000 | $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 | 119 | $10,635,000 | $89,000 | $450,000 | $58,000 | $204,000 |
| Application Denied By Financial Institution | 103 | $6,556,000 | $63,000 | $260,000 | $45,000 | $160,000 |
| File Closed For Incompleteness | 45 | $4,116,000 | $91,000 | $341,000 | $52,000 | $129,000 |
| Loan Purchased By The Institution | 19 | $2,678,000 | $140,000 | $274,000 | $9,000 | $57,000 |
| Application Withdrawn By Applicant | 17 | $2,123,000 | $124,000 | $223,000 | $114,000 | $1,004,000 |
| Application Approved But Not Accepted | 11 | $1,524,000 | $138,000 | $373,000 | $75,000 | $142,000 |
| 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 | 22 | $808,000 | $36,000 | $135,000 | $33,000 | $105,000 |
| Credit Application Incomplete | 5 | $659,000 | $131,000 | $190,000 | $47,000 | $84,000 |
| Collateral | 3 | $283,000 | $94,000 | $129,000 | $49,000 | $65,000 |
| Unverifiable Information | 2 | $121,000 | $60,000 | $113,000 | $54,000 | $85,000 |
| Debt-To-Income Ratio | 2 | $101,000 | $50,000 | $91,000 | $63,000 | $68,000 |
| Other | 1 | $28,000 | $28,000 | $28,000 | $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 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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