Monroe County, AL Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 565 mortgage applications in Monroe County, AL totaling $74.8 million, down 16% from 2021. The average application was for $132,000, and applicants reported an average income of $75,000. 43% of applications resulted in an originated loan and 27% were denied. The most active lender was 21st Mortgage, with 49 applications, followed by Regions Bank and Trustmark Bank.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Alabama.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 565
Total Mortgage Loan Application Amount $74,835,000
Average Mortgage Loan Application Amount $132,000
Highest Mortgage Loan Application Amount $2,805,000
Average Applicant Income $75,000
Highest Applicant Income $906,000

Mortgage Company List for Lending in Monroe County, AL for 2022

* 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 49 $ 5,925,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 43 $ 3,655,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 17,593,319,000 38 $ 4,360,000
United Bank
PO BOX 8
ATMORE, AL 36502
* $ 976,897,000 36 $ 3,630,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 31 $ 2,975,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 18 $ 2,980,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 47,665,560,000 17 $ 2,765,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 15 $ 1,795,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 13 $ 1,545,000
Gulf Winds Credit Union
220 E NINE MILE ROAD
PENSACOLA, FL 32534
* $ 1,014,783,000 12 $ 620,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 11 $ 2,125,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 11 $ 1,755,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 2,030,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 1,385,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 1,765,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 8 $ 760,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,190,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 8 $ 700,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 8 $ 1,020,000
Penair Credit Union
1495 EAST NINE MILE ROAD
PENSACOLA, FL 32514
* $ 2,321,699,000 7 $ 805,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 6 $ 1,180,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 6 $ 810,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 755,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 5 $ 1,035,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 5 $ 705,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 1,045,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 5 $ 795,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 4 $ 410,000
The First Bank
P.O. BOX 15549
HATTIESBURG, MS 39404
* $ 6,066,913,000 4 $ 450,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 460,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 480,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 370,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 740,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 285,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 3 $ 495,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 325,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 445,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 3 $ 275,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 475,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 215,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 355,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 415,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 2 $ 190,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 2 $ 290,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 2 $ 480,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 2 $ 170,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 180,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 2 $ 80,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 440,000
All in Credit Union
238 VIRGINIA AVENUE
DALEVILLE, AL 36322
* $ 2,134,456,000 2 $ 130,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 400,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 2 $ 180,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 280,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 200,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 10,994,199,000 1 $ 2,805,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 57,224,306,000 1 $ 295,000
Certainty Home Loans, LLC
6101 WEST PLANO PARKWAY
WILMINGTON, DE 75093
* $ -1,000 1 $ 205,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 285,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 15,432,095,000 1 $ 25,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 95,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 55,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 125,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 225,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 55,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 75,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 55,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 365,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 505,600,000 1 $ 5,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 1 $ 25,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 35,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 205,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 195,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 95,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 1 $ 115,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 65,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 115,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 195,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 145,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 1 $ 145,000
Community Bank of Mississippi
323 EAST THIRD STREET
FLOWOOD, MS 39232
* $ 4,444,664,000 1 $ 25,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 415,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 225,000
Alabama State Employees CU
1000 INTERSTATE PARK DRIVE
MONTGOMERY, AL 36106
* $ 434,038,000 1 $ 45,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 185,000
Family Security Credit Union
2204 FAMILY SECURITY PLACE SW
DECATUR, AL 35603
* $ 941,244,000 1 $ 105,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 305,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 375,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 55,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 195,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 125,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 185,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 85,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 165,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ -1,000 1 $ 105,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ 1,319,070,000 1 $ 205,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 165,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 315,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 415,000
America's First Federal CU
1200 4TH AVENUE NORTH
BIRMINGHAM, AL 35203
* $ 2,209,069,000 1 $ 25,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 1 $ 175,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ 1,071,980,000 1 $ 165,000
Avadian Credit Union
1 RIVERCHASE PKWY S
HOOVER, AL 35244
* $ 1,110,760,000 1 $ 25,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 1 $ 155,000
Keesler Federal Credit Union
2602 PASS ROAD
BILOXI, MS 39531
* $ 4,319,920,000 1 $ 225,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 95,000

The tables below break down 2022 mortgage applications in Monroe 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 Monroe County, AL in 2022

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 314 $49,210,000 $156,000 $2,805,000 $78,000 $906,000
Cash-out Refinancing 106 $13,280,000 $125,000 $315,000 $69,000 $218,000
Refinancing 79 $8,145,000 $103,000 $445,000 $73,000 $400,000
Other Purpose 36 $2,690,000 $74,000 $305,000 $75,000 $248,000
Home Improvement 26 $1,220,000 $46,000 $155,000 $77,000 $310,000
Not Applicable 4 $290,000 $72,000 $115,000 $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
White 302 $41,270,000 $136,000 $505,000 $81,000 $906,000
Black or African American 155 $15,515,000 $100,000 $315,000 $63,000 $546,000
Not Provided 48 $6,850,000 $142,000 $375,000 $77,000 $248,000
Not applicable 37 $7,475,000 $202,000 $2,805,000 $0 $0
American Indian or Alaskan Native 11 $1,755,000 $159,000 $305,000 $80,000 $122,000
Hispanic 8 $1,040,000 $130,000 $415,000 $66,000 $120,000
Asian 2 $290,000 $145,000 $155,000 $58,000 $82,000
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) 385 $45,915,000 $119,000 $2,805,000 $77,000 $906,000
FHA-insured (Federal Housing Administration) 102 $14,550,000 $142,000 $335,000 $72,000 $203,000
VA-guaranteed (Veterans Administration) 61 $12,185,000 $199,000 $415,000 $73,000 $199,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $2,185,000 $128,000 $235,000 $55,000 $104,000

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 245 $36,475,000 $148,000 $2,805,000 $81,000 $906,000
Application Denied By Financial Institution 150 $16,800,000 $112,000 $445,000 $62,000 $310,000
Application Withdrawn By Applicant 70 $9,320,000 $133,000 $395,000 $82,000 $468,000
File Closed For Incompleteness 48 $5,260,000 $109,000 $255,000 $82,000 $546,000
Loan Purchased By The Institution 30 $4,600,000 $153,000 $415,000 $92,000 $92,000
Application Approved But Not Accepted 21 $2,225,000 $105,000 $275,000 $67,000 $198,000
Preapproval Approved but not Accepted 1 $155,000 $155,000 $155,000 $84,000 $84,000
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 388 $55,470,000 $142,000 $2,805,000 $81,000 $906,000
Credit History 72 $6,240,000 $86,000 $195,000 $56,000 $182,000
Debt-To-Income Ratio 60 $7,040,000 $117,000 $505,000 $62,000 $241,000
Collateral 19 $2,875,000 $151,000 $305,000 $104,000 $310,000
Other 11 $1,205,000 $109,000 $275,000 $61,000 $90,000
Credit Application Incomplete 9 $1,265,000 $140,000 $305,000 $66,000 $150,000
Unverifiable Information 3 $465,000 $155,000 $195,000 $83,000 $110,000
Insufficient Cash (Downpayment, Closing Cost) 2 $160,000 $80,000 $115,000 $42,000 $43,000
Employment History 1 $115,000 $115,000 $115,000 $27,000 $27,000
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.

Download the Alabama Lender List