Perry County, AL Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 127 mortgage applications in Perry County, AL totaling $8.5 million, down 16% from 2013. The average application was for $66,000, and applicants reported an average income of $43,000. 24% of applications resulted in an originated loan and 50% were denied. The most active lender was 21st Mortgage, with 26 applications, followed by Vanderbilt Mortgage and Finance, Inc and Wells Fargo Bank NA.
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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 | 127 |
| Total Mortgage Loan Application Amount | $8,505,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $276,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $238,000 |
| 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 | 26 | $ 1,056,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,000,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 9 | $ 322,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 9 | $ 184,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 819,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 555,687,000 | 5 | $ 132,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 480,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 4 | $ 311,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 4 | $ 210,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 436,956,000 | 3 | $ 376,000 |
| Peoples Bank of Greensboro 1402 STATE STREET GREENSBORO, AL 36744 |
* | $ 90,472,000 | 3 | $ 119,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 187,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 2 | $ 84,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 291,000 |
| Robertson Banking Company 216 NORTH WALNUT AVE DEMOPOLIS, AL 36732 |
* | $ 253,788,000 | 2 | $ 103,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 2 | $ 76,000 |
| Bryant Bank 1550 MCFARLAND BLVD N TUSCALOOSA, AL 35406 |
* | $ 1,282,905,000 | 1 | $ 55,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 253,764,000 | 1 | $ 212,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 2,417,666,000 | 1 | $ 56,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 82,000 |
| Mutual Savings Credit Union 2040 VALLEYDALE ROAD BIRMINGHAM, AL 35244 |
* | $ 132,918,000 | 1 | $ 30,000 |
| First Financial Bank 1630 4TH AVENUE N BESSEMER, AL 35020 |
* | $ 184,095,000 | 1 | $ 38,000 |
| Fnb of Central Alabama 2323 PAUL W BRYANT DRIVE TUSCALOOSA, AL 35401 |
* | $ 229,624,000 | 1 | $ 112,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 68,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 78,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 130,950,000 | 1 | $ 250,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 250,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 60,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 131,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 237,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 15,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 129,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 230,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 68,000 |
The tables below break down 2014 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 2014
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 | 71 | $4,138,000 | $58,000 | $250,000 | $36,000 | $161,000 |
| Refinancing | 35 | $3,929,000 | $112,000 | $276,000 | $54,000 | $238,000 |
| Home Improvement | 21 | $438,000 | $20,000 | $80,000 | $46,000 | $125,000 |
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 | $4,081,000 | $55,000 | $276,000 | $39,000 | $161,000 |
| White | 38 | $3,131,000 | $82,000 | $250,000 | $60,000 | $238,000 |
| Not Provided | 9 | $601,000 | $66,000 | $100,000 | $32,000 | $75,000 |
| Not applicable | 4 | $636,000 | $159,000 | $250,000 | $0 | $0 |
| Hispanic | 2 | $46,000 | $23,000 | $29,000 | $17,000 | $28,000 |
| Asian | 1 | $10,000 | $10,000 | $10,000 | $19,000 | $19,000 |
| American Indian or Alaskan Native | 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) | 97 | $5,027,000 | $51,000 | $237,000 | $44,000 | $238,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,907,000 | $100,000 | $276,000 | $42,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,459,000 | $145,000 | $250,000 | $31,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $112,000 | $112,000 | $112,000 | $58,000 | $58,000 |
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 | 63 | $4,123,000 | $65,000 | $276,000 | $41,000 | $238,000 |
| Loan Originated | 31 | $1,999,000 | $64,000 | $250,000 | $55,000 | $214,000 |
| Application Approved But Not Accepted | 20 | $816,000 | $40,000 | $88,000 | $35,000 | $128,000 |
| Application Withdrawn By Applicant | 6 | $529,000 | $88,000 | $212,000 | $44,000 | $94,000 |
| Loan Purchased By The Institution | 4 | $636,000 | $159,000 | $250,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $402,000 | $134,000 | $215,000 | $72,000 | $101,000 |
| 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 | 9 | $290,000 | $32,000 | $112,000 | $43,000 | $75,000 |
| Debt-To-Income Ratio | 2 | $273,000 | $136,000 | $237,000 | $62,000 | $98,000 |
| Collateral | 2 | $355,000 | $177,000 | $215,000 | $136,000 | $238,000 |
| Other | 2 | $136,000 | $68,000 | $131,000 | $40,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $46,000 | $46,000 | $46,000 | $34,000 | $34,000 |
| Credit Application Incomplete | 1 | $80,000 | $80,000 | $80,000 | $125,000 | $125,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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