Perry County, AL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 179 mortgage applications in Perry County, AL totaling $13.7 million, up 2% from 2015. The average application was for $76,000, and applicants reported an average income of $46,000. 32% of applications resulted in an originated loan and 44% were denied. The most active lender was 21st Mortgage, with 22 applications, followed by Regions Bank 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 | 179 |
| Total Mortgage Loan Application Amount | $13,740,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $312,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $350,000 |
* 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 |
* | $ 10,000,000 | 22 | $ 1,112,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 22 | $ 696,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 15 | $ 558,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 845,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 12 | $ 1,328,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 6 | $ 844,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 688,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 5 | $ 179,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 564,519,000 | 4 | $ 41,000 |
| Peoples Bank of Greensboro 1402 STATE STREET GREENSBORO, AL 36744 |
* | $ 93,031,000 | 4 | $ 226,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 504,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 566,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 3 | $ 135,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 201,000 |
| Robertson Banking Company 216 NORTH WALNUT AVE DEMOPOLIS, AL 36732 |
* | $ 263,376,000 | 3 | $ 658,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 109,752,000 | 2 | $ 242,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 2 | $ 4,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 276,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 316,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 514,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 108,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 8,790,472,000 | 2 | $ 339,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 575,534,000 | 2 | $ 87,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 108,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 176,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 2 | $ 85,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 1 | $ 49,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 148,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 85,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 94,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 189,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 88,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 288,284,000 | 1 | $ 43,000 |
| Corefirst Bank & Trust 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 891,158,000 | 1 | $ 31,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 46,000 |
| First Financial Bank 1630 4TH AVENUE N BESSEMER, AL 35020 |
* | $ 165,531,000 | 1 | $ 57,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 103,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 10,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 5,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 85,426,845,000 | 1 | $ 95,000 |
| Avadian Credit Union 1 RIVERCHASE PKWY S HOOVER, AL 35244 |
* | $ 616,897,000 | 1 | $ 157,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ 580,239,000 | 1 | $ 50,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 2,232,957,000 | 1 | $ 92,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 205,378,000 | 1 | $ 88,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 175,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 95,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 134,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 348,393,000 | 1 | $ 25,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,000,000 | 1 | $ 249,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 3,845,946,000 | 1 | $ 148,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 28,000 |
The tables below break down 2016 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 2016
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 | 71 | $8,189,000 | $115,000 | $312,000 | $44,000 | $151,000 |
| Home Purchase | 66 | $4,814,000 | $72,000 | $257,000 | $48,000 | $350,000 |
| Home Improvement | 42 | $737,000 | $17,000 | $125,000 | $44,000 | $184,000 |
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 | 105 | $7,289,000 | $69,000 | $281,000 | $40,000 | $184,000 |
| White | 54 | $4,542,000 | $84,000 | $207,000 | $52,000 | $151,000 |
| Not Provided | 9 | $760,000 | $84,000 | $221,000 | $95,000 | $350,000 |
| Not applicable | 6 | $857,000 | $142,000 | $312,000 | $0 | $0 |
| Hispanic | 4 | $199,000 | $49,000 | $92,000 | $63,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $93,000 | $93,000 | $93,000 | $28,000 | $28,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 125 | $7,247,000 | $57,000 | $312,000 | $45,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 34 | $3,719,000 | $109,000 | $257,000 | $48,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,475,000 | $145,000 | $281,000 | $46,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $299,000 | $99,000 | $123,000 | $28,000 | $46,000 |
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 | 79 | $5,232,000 | $66,000 | $281,000 | $43,000 | $350,000 |
| Loan Originated | 57 | $4,683,000 | $82,000 | $312,000 | $53,000 | $184,000 |
| Application Withdrawn By Applicant | 17 | $1,911,000 | $112,000 | $156,000 | $48,000 | $120,000 |
| File Closed For Incompleteness | 16 | $1,188,000 | $74,000 | $221,000 | $41,000 | $139,000 |
| Loan Purchased By The Institution | 7 | $553,000 | $79,000 | $157,000 | $19,000 | $118,000 |
| Application Approved But Not Accepted | 3 | $173,000 | $57,000 | $100,000 | $40,000 | $48,000 |
| 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 | 16 | $419,000 | $26,000 | $94,000 | $33,000 | $86,000 |
| Debt-To-Income Ratio | 7 | $255,000 | $36,000 | $95,000 | $42,000 | $103,000 |
| Collateral | 3 | $346,000 | $115,000 | $148,000 | $56,000 | $105,000 |
| Other | 3 | $159,000 | $53,000 | $139,000 | $9,000 | $19,000 |
| Credit Application Incomplete | 1 | $57,000 | $57,000 | $57,000 | $35,000 | $35,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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