Perry County, AL Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 128 mortgage applications in Perry County, AL totaling $8.3 million, up 6% from 2009. The average application was for $65,000, and applicants reported an average income of $45,000. 28% of applications resulted in an originated loan and 47% were denied. The most active lender was 21st Mortgage, with 17 applications, followed by West Alabama Bank & Trust and Robertson Banking Company.
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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 | 128 |
| Total Mortgage Loan Application Amount | $8,325,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $388,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $377,000 |
| 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 |
* | $ 10,000,000 | 17 | $ 674,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 569,532,000 | 12 | $ 258,000 |
| Robertson Banking Company 216 NORTH WALNUT AVE DEMOPOLIS, AL 36732 |
* | $ 236,310,000 | 8 | $ 930,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 8 | $ 587,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 6 | $ 933,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 5 | $ 292,000 |
| Banktrust 107 ST FRANCIS STREET MOBILE, AL 36602 |
* | $ 1,942,845,000 | 5 | $ 89,000 |
| Superior Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 3,220,737,000 | 4 | $ 66,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 365,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 171,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 73,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 217,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 151,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 280,000 |
| Peoples Bank of Greensboro 1402 STATE STREET GREENSBORO, AL 36744 |
* | $ 76,550,000 | 2 | $ 35,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 2 | $ 228,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 98,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 83,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 240,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 216,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 2 | $ 23,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,421,986,000 | 2 | $ 91,000 |
| Tuscaloosa Credit Union 1100 21ST AVENUE TUSCALOOSA, AL 35401 |
* | $ 46,708,000 | 2 | $ 124,000 |
| Alatrust Credit Union 1810 MERCHANTS DRIVE HOOVER, AL 35244 |
* | $ 104,312,000 | 1 | $ 12,000 |
| Naheola Credit Union P O BOX 102 PENNINGTON, AL 36916 |
* | $ 71,758,000 | 1 | $ 30,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 72,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 1 | $ 221,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 23,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 85,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 116,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 250,000 |
| First Mortgage Group, Inc. 118 E. MOULTON STREET, TOP FLOOR DECATUR, AL 35601 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 1 | $ 50,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 27,472,172,000 | 1 | $ 3,000 |
| Smartbank 2301 UNIVERSITY BLVD TUSCALOOSA, AL 35401 |
* | $ 298,973,000 | 1 | $ 33,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 414,964,000 | 1 | $ 27,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 483,916,000 | 1 | $ 44,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 149,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 690,611,000 | 1 | $ 31,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,639,987,000 | 1 | $ 28,000 |
| Whitney National Bank 400 LABARRE ROAD, 3RD FLOOR JEFFERSON, LA 70121 |
* | $ 11,877,069,000 | 1 | $ 4,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 73,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 242,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 69,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,000,000 | 1 | $ 33,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 27,000 |
| Castle Mortgage Corporation 701 MONTGOMERY HWY SOUTH SUITE 203 VESTAVIA HILLS, AL 35216 |
* | $ 10,000,000 | 1 | $ 149,000 |
The tables below break down 2010 mortgage applications in Perry 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 Perry County, AL in 2010
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 | 52 | $2,346,000 | $45,000 | $241,000 | $45,000 | $377,000 |
| Refinancing | 51 | $5,525,000 | $108,000 | $388,000 | $49,000 | $214,000 |
| Home Improvement | 25 | $454,000 | $18,000 | $161,000 | $37,000 | $92,000 |
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 | 73 | $3,521,000 | $48,000 | $250,000 | $39,000 | $151,000 |
| White | 45 | $3,746,000 | $83,000 | $388,000 | $60,000 | $377,000 |
| Not Provided | 7 | $677,000 | $96,000 | $242,000 | $32,000 | $81,000 |
| Not applicable | 3 | $381,000 | $127,000 | $149,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 101 | $6,306,000 | $62,000 | $388,000 | $48,000 | $377,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,884,000 | $78,000 | $250,000 | $29,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 3 | $135,000 | $45,000 | $50,000 | $61,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 60 | $3,057,000 | $50,000 | $322,000 | $37,000 | $151,000 |
| Loan Originated | 36 | $2,715,000 | $75,000 | $388,000 | $71,000 | $377,000 |
| Application Withdrawn By Applicant | 10 | $628,000 | $62,000 | $150,000 | $39,000 | $92,000 |
| Application Approved But Not Accepted | 9 | $466,000 | $51,000 | $175,000 | $31,000 | $54,000 |
| Loan Purchased By The Institution | 9 | $1,020,000 | $113,000 | $221,000 | $27,000 | $83,000 |
| File Closed For Incompleteness | 4 | $439,000 | $109,000 | $130,000 | $22,000 | $62,000 |
| 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 | 21 | $781,000 | $37,000 | $105,000 | $34,000 | $70,000 |
| Debt-To-Income Ratio | 4 | $149,000 | $37,000 | $43,000 | $19,000 | $39,000 |
| Credit Application Incomplete | 4 | $707,000 | $176,000 | $322,000 | $50,000 | $70,000 |
| Collateral | 3 | $106,000 | $35,000 | $50,000 | $75,000 | $151,000 |
| Other | 3 | $366,000 | $122,000 | $250,000 | $63,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $69,000 | $69,000 | $69,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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