Lowndes County, AL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 372 mortgage applications in Lowndes County, AL totaling $44.4 million, up 19% from 2019. The average application was for $119,000, and applicants reported an average income of $64,000. 36% of applications resulted in an originated loan and 31% were denied. The most active lender was 21st Mortgage, with 64 applications, followed by Vanderbilt Mortgage and Finance, Inc and Regions Bank.
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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 | 372 |
| Total Mortgage Loan Application Amount | $44,370,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $448,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 64 | $ 4,580,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 57 | $ 3,525,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 21 | $ 2,365,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ 574,065,000 | 16 | $ 1,470,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,495,944,000 | 12 | $ 2,400,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 10 | $ 1,940,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 9 | $ 1,205,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 1,460,586,000 | 8 | $ 1,660,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 1,590,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,105,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 7 | $ 1,495,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 1,090,000 |
| First Citizens Bank 100 WEST 3RD STREET, PO BOX 271 LUVERNE, AL 36049 |
* | $ 245,886,000 | 6 | $ 450,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 480,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 5 | $ 315,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 915,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 5 | $ 385,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 985,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 4 | $ 580,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 92,657,948,000 | 4 | $ 230,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 4 | $ 370,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 3 | $ 245,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 455,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 3 | $ 325,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 455,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 425,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 30,597,146,000 | 2 | $ 240,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 796,073,000 | 2 | $ 220,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 2 | $ 90,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 789,398,000 | 2 | $ 160,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 2 | $ 350,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 410,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 280,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 939,531,000 | 2 | $ 90,000 |
| First South Farm Credit, Aca 260 TRACE COLONY PARK DR RIDGELAND, MS 39157 |
* | $ -1,000 | 2 | $ 530,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 440,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 350,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 230,000 |
| River Bank & Trust 2611 LEGENDS DRIVE PRATTVILLE, AL 36066 |
* | $ 1,364,103,000 | 2 | $ 270,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 2 | $ 370,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 340,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 380,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 1 | $ 85,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Certainty Home Loans, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 1 | $ 185,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 273,530,000 | 1 | $ 65,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ -1,000 | 1 | $ 125,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 115,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 285,000 |
| Harvesters Federal Credit Union 480 HWY 20 SOUTH CANTONMENT, FL 32533 |
* | $ 184,330,000 | 1 | $ 115,000 |
| U.S. Eagle Federal Credit Union 5201 ANTEQUERA NW ALBUQUERQUE, NM 87120 |
* | $ 1,069,474,000 | 1 | $ 115,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 365,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 1 | $ 145,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 644,050,000 | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 65,000 |
| Alabama State Employees CU 1000 INTERSTATE PARK DRIVE MONTGOMERY, AL 36106 |
* | $ 323,920,000 | 1 | $ 25,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 307,051,000 | 1 | $ 75,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 185,000 |
| Southpoint Bank 3501 GRANDVIEW PARKWAY BIRMINGHAM, AL 35243 |
* | $ 410,115,000 | 1 | $ 165,000 |
| Ccb Community Bank 225 E THREE NOTCH STREET ANDALUSIA, AL 36420 |
* | $ 496,366,000 | 1 | $ 55,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 125,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 1 | $ 75,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 115,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 125,000 |
| A Mortgage Boutique, LLC 1574 MEDICAL CENTER PKWY SUITE 101 MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 165,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 8,946,415,000 | 1 | $ 615,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 295,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 31,614,914,000 | 1 | $ 25,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 45,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 55,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 105,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 185,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 75,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 195,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ -1,000 | 1 | $ 155,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2020 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 2020
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 | 208 | $20,330,000 | $97,000 | $375,000 | $55,000 | $298,000 |
| Refinancing | 79 | $13,555,000 | $171,000 | $615,000 | $77,000 | $400,000 |
| Cash-out Refinancing | 54 | $7,940,000 | $147,000 | $415,000 | $75,000 | $163,000 |
| Other Purpose | 15 | $1,315,000 | $87,000 | $365,000 | $87,000 | $448,000 |
| Home Improvement | 11 | $655,000 | $59,000 | $185,000 | $74,000 | $136,000 |
| Not Applicable | 5 | $575,000 | $115,000 | $205,000 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 172 | $14,600,000 | $84,000 | $365,000 | $47,000 | $143,000 |
| White | 159 | $23,095,000 | $145,000 | $375,000 | $80,000 | $448,000 |
| Not applicable | 19 | $3,205,000 | $168,000 | $615,000 | $27,000 | $27,000 |
| Not Provided | 17 | $2,765,000 | $162,000 | $415,000 | $67,000 | $135,000 |
| Hispanic | 2 | $440,000 | $220,000 | $375,000 | $82,000 | $97,000 |
| American Indian or Alaskan Native | 2 | $180,000 | $90,000 | $95,000 | $120,000 | $185,000 |
| Asian | 1 | $85,000 | $85,000 | $85,000 | $240,000 | $240,000 |
| 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) | 303 | $32,935,000 | $108,000 | $615,000 | $65,000 | $448,000 |
| VA-guaranteed (Veterans Administration) | 34 | $6,870,000 | $202,000 | $375,000 | $65,000 | $137,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,490,000 | $124,000 | $235,000 | $51,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,075,000 | $153,000 | $235,000 | $38,000 | $67,000 |
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 | 133 | $19,165,000 | $144,000 | $615,000 | $76,000 | $448,000 |
| Application Denied By Financial Institution | 115 | $10,135,000 | $88,000 | $295,000 | $47,000 | $137,000 |
| File Closed For Incompleteness | 48 | $4,180,000 | $87,000 | $325,000 | $65,000 | $396,000 |
| Application Withdrawn By Applicant | 42 | $7,190,000 | $171,000 | $375,000 | $77,000 | $400,000 |
| Loan Purchased By The Institution | 18 | $2,390,000 | $132,000 | $205,000 | $27,000 | $27,000 |
| Application Approved But Not Accepted | 14 | $1,120,000 | $80,000 | $235,000 | $55,000 | $144,000 |
| Preapproval Approved but not Accepted | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 1 | $45,000 | $45,000 | $45,000 | $34,000 | $34,000 |
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 | 250 | $33,590,000 | $134,000 | $615,000 | $72,000 | $448,000 |
| Credit History | 70 | $5,430,000 | $77,000 | $295,000 | $46,000 | $137,000 |
| Debt-To-Income Ratio | 27 | $2,435,000 | $90,000 | $275,000 | $39,000 | $100,000 |
| Credit Application Incomplete | 9 | $1,435,000 | $159,000 | $285,000 | $76,000 | $130,000 |
| Unverifiable Information | 7 | $385,000 | $55,000 | $85,000 | $39,000 | $60,000 |
| Collateral | 4 | $510,000 | $127,000 | $285,000 | $71,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $355,000 | $118,000 | $205,000 | $64,000 | $106,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $67,000 | $67,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $18,000 | $18,000 |
| 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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