Pickens County, AL Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 547 mortgage applications in Pickens County, AL totaling $48.3 million, down 4% from 2016. The average application was for $88,000, and applicants reported an average income of $51,000. 44% of applications resulted in an originated loan and 25% were denied. The most active lender was West Alabama Bank & Trust, with 82 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, Inc.
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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 | 547 |
| Total Mortgage Loan Application Amount | $48,309,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $248,000 |
* 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 |
|---|---|---|---|---|
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 594,859,000 | 82 | $ 4,279,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 53 | $ 3,238,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 37 | $ 1,998,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ 582,802,000 | 29 | $ 1,925,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 18 | $ 1,127,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 17 | $ 3,089,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 14 | $ 1,495,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 13 | $ 1,501,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 105,205,000 | 13 | $ 1,309,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 12 | $ 1,581,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 1,400,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 11 | $ 1,089,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,114,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 8,676,168,000 | 9 | $ 954,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 9 | $ 551,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ -1,000 | 8 | $ 759,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 8 | $ 980,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 647,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 7 | $ 901,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,350,429,000 | 6 | $ 687,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,042,021,000 | 6 | $ 179,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 9,515,975,000 | 6 | $ 776,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 6 | $ 706,000 |
| Tuscaloosa Credit Union 1100 21ST AVENUE TUSCALOOSA, AL 35401 |
* | $ 72,856,000 | 5 | $ 503,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 5 | $ 505,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 5 | $ 814,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 638,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 515,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 447,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 313,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 927,725,000 | 4 | $ 526,000 |
| Certainty Home Loans, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 4 | $ 523,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ 0 | 4 | $ 155,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 102,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 3 | $ 325,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 238,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 577,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 225,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 238,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 247,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 0 | 2 | $ 300,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 2 | $ 51,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 2 | $ 68,000 |
| Riverfall Credit Union 2520 6TH STREET TUSCALOSA, AL 35401 |
* | $ 119,773,000 | 2 | $ 199,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 150,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ 0 | 2 | $ 298,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 233,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 152,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,277,552,000 | 2 | $ 121,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 271,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 2 | $ 51,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 14,723,604,000 | 2 | $ 175,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ -1,000 | 2 | $ 328,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 40,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 44,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 171,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 147,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 141,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 58,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 108,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 298,752,000 | 1 | $ 21,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 83,640,475,000 | 1 | $ 126,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ -1,000 | 1 | $ 147,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ -1,000 | 1 | $ 128,000 |
| Auburn University Credit Union PO BOX 1610 AUBURN, AL 36831 |
* | $ 173,508,000 | 1 | $ 75,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 28,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 737,581,000 | 1 | $ 313,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 1 | $ 83,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,854,481,000 | 1 | $ 1,000 |
| Newton Federal Bank 3175 HIGHWAY 278 COVINGTON, GA 30014 |
* | $ 239,382,000 | 1 | $ 27,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 68,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 395,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 361,000 |
| Smartbank 2301 UNIVERSITY BLVD TUSCALOOSA, AL 35401 |
* | $ 487,113,000 | 1 | $ 130,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 51,000 |
| Bryant Bank 1550 MCFARLAND BLVD N TUSCALOOSA, AL 35406 |
* | $ 1,534,654,000 | 1 | $ 82,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 303,703,000 | 1 | $ 64,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 165,000 |
| South Georgia Bank 401 S. VETERANS BLVD. GLENNVILLE, GA 30427 |
* | $ 150,027,000 | 1 | $ 50,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 60,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 120,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 1 | $ 142,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 88,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,679,507,000 | 1 | $ 15,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 98,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 115,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 83,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 131,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 142,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 1 | $ 256,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 94,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 21,689,804,000 | 1 | $ 88,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 99,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 196,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 130,000 |
The tables below break down 2017 mortgage applications in Pickens 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 Pickens County, AL in 2017
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 | 261 | $22,546,000 | $86,000 | $361,000 | $47,000 | $240,000 |
| Refinancing | 219 | $23,183,000 | $105,000 | $395,000 | $54,000 | $248,000 |
| Home Improvement | 67 | $2,580,000 | $38,000 | $180,000 | $56,000 | $160,000 |
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 |
|---|---|---|---|---|---|---|
| White | 261 | $25,117,000 | $96,000 | $395,000 | $63,000 | $248,000 |
| Black or African American | 185 | $13,687,000 | $73,000 | $349,000 | $48,000 | $160,000 |
| Not Provided | 52 | $4,881,000 | $93,000 | $342,000 | $45,000 | $151,000 |
| Not applicable | 43 | $4,046,000 | $94,000 | $239,000 | $2,000 | $93,000 |
| Hispanic | 3 | $380,000 | $126,000 | $168,000 | $49,000 | $118,000 |
| American Indian or Alaskan Native | 3 | $198,000 | $66,000 | $80,000 | $22,000 | $47,000 |
| Asian | 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) | 356 | $26,398,000 | $74,000 | $349,000 | $57,000 | $248,000 |
| FHA-insured (Federal Housing Administration) | 97 | $9,910,000 | $102,000 | $269,000 | $40,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 65 | $8,996,000 | $138,000 | $395,000 | $49,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,005,000 | $103,000 | $161,000 | $15,000 | $53,000 |
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 | 243 | $22,974,000 | $94,000 | $361,000 | $59,000 | $248,000 |
| Application Denied By Financial Institution | 138 | $9,760,000 | $70,000 | $349,000 | $51,000 | $240,000 |
| Application Withdrawn By Applicant | 52 | $4,950,000 | $95,000 | $395,000 | $58,000 | $187,000 |
| File Closed For Incompleteness | 49 | $3,784,000 | $77,000 | $315,000 | $41,000 | $170,000 |
| Loan Purchased By The Institution | 47 | $5,200,000 | $110,000 | $341,000 | $14,000 | $142,000 |
| Application Approved But Not Accepted | 18 | $1,641,000 | $91,000 | $147,000 | $50,000 | $113,000 |
| 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 | 17 | $1,263,000 | $74,000 | $212,000 | $66,000 | $202,000 |
| Debt-To-Income Ratio | 10 | $740,000 | $74,000 | $123,000 | $47,000 | $124,000 |
| Credit Application Incomplete | 6 | $653,000 | $108,000 | $313,000 | $95,000 | $207,000 |
| Other | 3 | $193,000 | $64,000 | $131,000 | $23,000 | $69,000 |
| Collateral | 2 | $84,000 | $42,000 | $69,000 | $47,000 | $70,000 |
| Unverifiable Information | 1 | $10,000 | $10,000 | $10,000 | $16,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $104,000 | $104,000 |
| Mortgage Insurance Denied | 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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