Macon County, AL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 519 mortgage applications in Macon County, AL totaling $41.1 million, down 2% from 2011. The average application was for $79,000, and applicants reported an average income of $49,000. 26% of applications resulted in an originated loan and 45% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 61 applications, followed by Wells Fargo Bank NA and PNC Bank N.A..
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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 | 519 |
| Total Mortgage Loan Application Amount | $41,061,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $385,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $202,000 |
Top Mortgage Lenders in Macon County, AL (2012)
Ranked by the number of mortgage applications each lender reported in Macon County, AL in 2012.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
61 | $3,291,000 | $53,000 | $39,000 |
| 2 | Wells Fargo Bank NA Minneapolis, MN |
56 | $5,048,000 | $90,000 | $46,000 |
| 3 | PNC Bank N.A. Pittsburgh, PA |
50 | $2,068,000 | $41,000 | $53,000 |
| 4 | 21st Mortgage Knoxville, TN |
44 | $1,778,000 | $40,000 | $42,000 |
| 5 | Embrace Home Loans, Inc. Middletown, RI |
32 | $2,599,000 | $81,000 | $43,000 |
| 6 | Regions Bank Birmingham, AL |
16 | $1,229,000 | $76,000 | $61,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
14 | $1,495,000 | $106,000 | $55,000 |
| 8 | Auburnbank Auburn, AL |
14 | $1,460,000 | $104,000 | $67,000 |
| 9 | Truist Bank Raleigh, NC |
11 | $724,000 | $65,000 | $38,000 |
| 10 | Bank of America NA Westlake Village, CA |
11 | $1,828,000 | $166,000 | $70,000 |
The tables below break down 2012 mortgage applications in Macon 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 Macon County, AL in 2012
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 | 259 | $26,546,000 | $102,000 | $385,000 | $56,000 | $202,000 |
| Home Purchase | 193 | $13,664,000 | $70,000 | $343,000 | $43,000 | $197,000 |
| Home Improvement | 67 | $851,000 | $12,000 | $102,000 | $41,000 | $109,000 |
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 | 311 | $19,973,000 | $64,000 | $288,000 | $47,000 | $197,000 |
| White | 126 | $14,651,000 | $116,000 | $385,000 | $64,000 | $202,000 |
| Not Provided | 52 | $3,780,000 | $72,000 | $268,000 | $45,000 | $124,000 |
| Not applicable | 27 | $2,493,000 | $92,000 | $190,000 | $8,000 | $64,000 |
| Hispanic | 2 | $144,000 | $72,000 | $111,000 | $65,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $20,000 | $20,000 | $20,000 | $34,000 | $34,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 365 | $25,728,000 | $70,000 | $385,000 | $52,000 | $192,000 |
| FHA-insured (Federal Housing Administration) | 122 | $11,565,000 | $94,000 | $250,000 | $41,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 27 | $3,247,000 | $120,000 | $296,000 | $50,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $521,000 | $104,000 | $148,000 | $36,000 | $79,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 232 | $14,080,000 | $60,000 | $385,000 | $46,000 | $192,000 |
| Loan Originated | 133 | $13,018,000 | $97,000 | $343,000 | $57,000 | $187,000 |
| Application Approved But Not Accepted | 56 | $3,999,000 | $71,000 | $222,000 | $46,000 | $192,000 |
| Application Withdrawn By Applicant | 45 | $4,377,000 | $97,000 | $225,000 | $54,000 | $202,000 |
| Loan Purchased By The Institution | 43 | $4,636,000 | $107,000 | $267,000 | $39,000 | $197,000 |
| File Closed For Incompleteness | 10 | $951,000 | $95,000 | $204,000 | $62,000 | $145,000 |
| 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 | 78 | $3,363,000 | $43,000 | $250,000 | $47,000 | $156,000 |
| Debt-To-Income Ratio | 25 | $1,341,000 | $53,000 | $230,000 | $40,000 | $89,000 |
| Collateral | 25 | $2,441,000 | $97,000 | $274,000 | $64,000 | $169,000 |
| Credit Application Incomplete | 11 | $542,000 | $49,000 | $70,000 | $58,000 | $119,000 |
| Other | 7 | $595,000 | $85,000 | $250,000 | $31,000 | $110,000 |
| Unverifiable Information | 4 | $712,000 | $178,000 | $385,000 | $95,000 | $150,000 |
| Employment History | 4 | $146,000 | $36,000 | $42,000 | $24,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $477,000 | $119,000 | $268,000 | $56,000 | $120,000 |
| 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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