Pickens County, AL Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 484 mortgage applications in Pickens County, AL totaling $47.3 million, down 7% from 2018. The average application was for $97,000, and applicants reported an average income of $59,000. 44% of applications resulted in an originated loan and 29% were denied. The most active lender was West Alabama Bank & Trust, with 53 applications, followed by 21st Mortgage and Alabama One Credit Union.
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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 | 484 |
| Total Mortgage Loan Application Amount | $47,310,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $324,000 |
* 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 |
* | $ 606,858,000 | 53 | $ 2,885,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 53 | $ 3,155,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ 606,536,000 | 35 | $ 3,235,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 29 | $ 2,525,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 19 | $ 1,165,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 975,235,000 | 18 | $ 1,270,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 124,485,000 | 13 | $ 1,545,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 12,915,178,000 | 11 | $ 1,695,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 10 | $ 1,330,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 9 | $ 1,205,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 895,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 8 | $ 600,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 18,008,424,000 | 8 | $ 1,150,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 876,272,000 | 8 | $ 440,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 12,714,862,000 | 8 | $ 880,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 960,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 7 | $ 1,285,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 7 | $ 1,025,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 1,035,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 6 | $ 240,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 476,111,000 | 5 | $ 515,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 725,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 885,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 725,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 5 | $ 425,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 4 | $ 510,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ -1,000 | 4 | $ 640,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 620,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 3 | $ 235,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ -1,000 | 3 | $ 485,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 235,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 545,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 365,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 165,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 3 | $ 425,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,284,058,000 | 3 | $ 235,000 |
| Certainty Home Loans, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 3 | $ 235,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 385,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 290,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 2 | $ 140,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 390,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 2 | $ 210,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 330,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 110,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 170,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 2 | $ 170,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 140,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 200,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 270,000 |
| Smartbank 2430 TEASTER LANE PIGEON FORGE, TN 37863 |
* | $ 2,278,710,000 | 2 | $ 150,000 |
| Bryant Bank 1550 MCFARLAND BLVD N TUSCALOOSA, AL 35406 |
* | $ 1,681,673,000 | 2 | $ 140,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 155,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 85,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 125,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 738,388,000 | 1 | $ 115,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 85,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 12,326,862,000 | 1 | $ 165,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 15,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 791,612,000 | 1 | $ 105,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 75,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 55,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 75,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 135,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 145,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 829,051,000 | 1 | $ 155,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 1 | $ 75,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 1 | $ 175,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 55,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 145,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 175,000 |
| Alabama Central 3601 4TH AVE S BIRMINGHAM, AL 35222 |
* | $ 137,711,000 | 1 | $ 65,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 135,000 |
| Riverfall Credit Union 2520 6TH STREET TUSCALOSA, AL 35401 |
* | $ 119,474,000 | 1 | $ 255,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 1 | $ 65,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 65,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,349,161,000 | 1 | $ 445,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 245,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,673,422,000 | 1 | $ 55,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 105,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 95,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 25,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 85,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 95,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 55,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 105,000 |
| Define Mortgage Solutions, LLC 148 N 48TH ST PHOENIX, AZ 85034 |
* | $ -1,000 | 1 | $ 35,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 75,000 |
| Tampa Bay Federal Credit Union PO BOX 7492 TAMPA, FL 33603 |
* | $ 292,582,000 | 1 | $ 35,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2019 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 2019
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 | 241 | $22,885,000 | $94,000 | $355,000 | $51,000 | $160,000 |
| Refinancing | 96 | $9,930,000 | $103,000 | $275,000 | $71,000 | $324,000 |
| Cash-out Refinancing | 85 | $10,835,000 | $127,000 | $445,000 | $70,000 | $295,000 |
| Home Improvement | 28 | $1,820,000 | $65,000 | $205,000 | $55,000 | $153,000 |
| Other Purpose | 27 | $1,385,000 | $51,000 | $445,000 | $61,000 | $295,000 |
| Not Applicable | 7 | $455,000 | $65,000 | $105,000 | $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 | 250 | $27,730,000 | $110,000 | $445,000 | $70,000 | $295,000 |
| Black or African American | 154 | $11,190,000 | $72,000 | $225,000 | $44,000 | $324,000 |
| Not applicable | 39 | $4,215,000 | $108,000 | $245,000 | $64,000 | $110,000 |
| Not Provided | 34 | $3,590,000 | $105,000 | $185,000 | $50,000 | $120,000 |
| American Indian or Alaskan Native | 4 | $310,000 | $77,000 | $105,000 | $29,000 | $34,000 |
| Hispanic | 3 | $275,000 | $91,000 | $105,000 | $55,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 352 | $31,200,000 | $88,000 | $445,000 | $61,000 | $324,000 |
| FHA-insured (Federal Housing Administration) | 82 | $9,230,000 | $112,000 | $245,000 | $47,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 40 | $5,710,000 | $142,000 | $355,000 | $67,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,170,000 | $117,000 | $175,000 | $45,000 | $67,000 |
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 | 213 | $22,395,000 | $105,000 | $445,000 | $65,000 | $295,000 |
| Application Denied By Financial Institution | 138 | $10,400,000 | $75,000 | $225,000 | $47,000 | $176,000 |
| Application Withdrawn By Applicant | 43 | $4,845,000 | $112,000 | $255,000 | $57,000 | $171,000 |
| Loan Purchased By The Institution | 41 | $5,495,000 | $134,000 | $445,000 | $88,000 | $295,000 |
| File Closed For Incompleteness | 34 | $3,100,000 | $91,000 | $225,000 | $65,000 | $324,000 |
| Application Approved But Not Accepted | 15 | $1,075,000 | $71,000 | $135,000 | $60,000 | $163,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 297 | $33,585,000 | $113,000 | $445,000 | $64,000 | $324,000 |
| Debt-To-Income Ratio | 78 | $4,790,000 | $61,000 | $285,000 | $53,000 | $188,000 |
| Credit History | 63 | $4,585,000 | $72,000 | $205,000 | $50,000 | $176,000 |
| Collateral | 21 | $2,315,000 | $110,000 | $225,000 | $62,000 | $160,000 |
| Credit Application Incomplete | 9 | $865,000 | $96,000 | $155,000 | $36,000 | $54,000 |
| Other | 9 | $655,000 | $72,000 | $175,000 | $52,000 | $85,000 |
| Unverifiable Information | 3 | $135,000 | $45,000 | $65,000 | $38,000 | $62,000 |
| Employment History | 2 | $170,000 | $85,000 | $115,000 | $22,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $210,000 | $105,000 | $155,000 | $33,000 | $52,000 |
| 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.
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