Shelby County, AL Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 10,584 mortgage applications in Shelby County, AL totaling $2.0 billion, down 36% from 2013. The average application was for $185,000, and applicants reported an average income of $76,000. 51% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 992 applications, followed by Regions Bank and Fairway Independent Mort Corp.

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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 10,584
Total Mortgage Loan Application Amount $1,963,504,000
Average Mortgage Loan Application Amount $185,000
Highest Mortgage Loan Application Amount $91,500,000
Average Applicant Income $76,000
Highest Applicant Income $3,000,000

Mortgage Company List for Lending in Shelby County, AL for 2014

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 992 $ 165,290,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 116,608,550,000 898 $ 105,002,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 343 $ 65,992,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 293 $ 57,181,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 260 $ 41,592,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 239 $ 38,816,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 233 $ 14,606,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 230 $ 41,753,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 190 $ 33,951,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 71,737,435,000 178 $ 38,260,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 5,733,100,000 172 $ 28,442,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 167 $ 26,880,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 11,681,215,000 166 $ 31,985,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,032,498,000 151 $ 27,928,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 149 $ 25,040,000
Southpoint Bank
3501 GRANDVIEW PARKWAY
BIRMINGHAM, AL 35243
* $ 232,245,000 149 $ 26,869,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,256,102,000 148 $ 24,292,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 147 $ 22,824,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 143 $ 29,552,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 134 $ 25,186,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 121 $ 25,908,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 121 $ 24,010,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 119 $ 24,456,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 13,294,766,000 117 $ 20,235,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ 130,950,000 117 $ 19,442,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 2,417,666,000 115 $ 20,829,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 112 $ 19,695,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 109 $ 22,255,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ 10,000,000 108 $ 19,999,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 106 $ 18,130,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 103 $ 22,238,000
America's First Federal CU
1200 4TH AVENUE NORTH
BIRMINGHAM, AL 35203
* $ 1,297,340,000 102 $ 16,599,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 94 $ 14,385,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 92 $ 15,236,000
First Partners Bank
PO BOX 660627
BIRMINGHAM, AL 35205
* $ 212,944,000 89 $ 18,367,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 88 $ 15,010,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 85 $ 4,508,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 2,561,135,000 83 $ 17,217,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 75 $ 15,383,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 73 $ 12,769,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 73 $ 13,187,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 71 $ 12,748,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 71 $ 14,323,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 6,437,850,000 67 $ 14,839,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 67 $ 12,837,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 62 $ 9,165,000
Central State Bank
PO BOX 180
CALERA, AL 35040
* $ 184,393,000 61 $ 6,906,000
Mutual Savings Credit Union
2040 VALLEYDALE ROAD
BIRMINGHAM, AL 35244
* $ 132,918,000 61 $ 6,063,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 1,376,686,000 57 $ 12,207,000
Usameribank
4790 140TH AVE N
CLEARWATER, FL 33762
* $ 2,899,494,000 56 $ 15,549,000
Bryant Bank
1550 MCFARLAND BLVD N
TUSCALOOSA, AL 35406
* $ 1,282,905,000 53 $ 7,624,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 52 $ 9,839,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 48 $ 9,335,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 47 $ 8,064,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 44 $ 8,641,000
Avadian Credit Union
1 RIVERCHASE PKWY S
HOOVER, AL 35244
* $ 595,261,000 43 $ 7,418,000
Evabank
1710 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 323,275,000 43 $ 4,847,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 13,294,766,000 40 $ 7,407,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 39 $ 8,463,000
National Bank of Commerce
813 SHADES CREEK PARKWAY SUITE 100
BIRMINGHAM, AL 35209
* $ 791,246,000 38 $ 7,770,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 38 $ 7,158,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 36 $ 5,754,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 35 $ 7,384,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 34 $ 6,147,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 34 $ 6,171,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 33 $ 5,538,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 33 $ 2,868,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 30 $ 4,908,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 29 $ 5,113,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 28 $ 6,710,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ 10,000,000 26 $ 4,099,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 26 $ 4,100,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 24 $ 5,626,000
Coosa Pines Federal Credit Union
33710 US HIGHWAY 280
CHILDERSBURG, AL 35044
* $ 220,150,000 24 $ 3,334,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ 3,519,541,000 24 $ 4,648,000
First US Bank
P O BOX 249
BIRMINGHAM, AL 35243
* $ 569,801,000 23 $ 1,281,000
Legacy Community Federal Credit Union
1400 20TH STREET S
BIRMINGHAM, AL 35205
* $ 398,487,000 22 $ 3,059,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 21 $ 4,301,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 21 $ 3,248,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 21 $ 3,956,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 20 $ 4,118,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 20 $ 3,106,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 20 $ 3,920,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ 1,000,000,000 20 $ 3,182,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 19 $ 2,762,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 19 $ 2,952,000
Liberty Mortgage Corporation
200 WILLIAMSBURG OFFICE PARK
BIRMINGHAM, AL 35216
* $ 10,000,000 19 $ 3,774,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 18 $ 3,588,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 18 $ 4,656,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 18 $ 3,214,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 18 $ 2,377,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 17 $ 2,434,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 17 $ 2,949,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 17 $ 3,007,000
Eco Credit Union
PO BOX 2385
BIRMINGHAM, AL 35211
* $ 119,385,000 16 $ 1,934,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 16 $ 3,137,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ 18,039,000 15 $ 2,561,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 15 $ 2,055,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 14 $ 2,614,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 14 $ 2,365,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 13 $ 2,505,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 13 $ 3,610,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 13 $ 2,654,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 13 $ 13,921,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 25,878,030,000 13 $ 4,298,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 12 $ 2,081,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 3,664,330,000 12 $ 2,963,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 12 $ 2,354,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 12 $ 1,621,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 12 $ 110,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 12 $ 2,058,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 439,528,000 12 $ 2,511,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 11 $ 2,049,000
Origin Bank

HOUSTON, TX 77024
* $ 3,199,260,000 11 $ 2,133,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 11 $ 2,523,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 11 $ 1,592,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 22,971,000,000 10 $ 3,717,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 10 $ 2,208,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 10 $ 1,357,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,884,304,000 10 $ 1,087,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 10 $ 1,875,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 10 $ 1,868,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 10 $ 1,886,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 9 $ 1,610,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 9 $ 1,256,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 9 $ 2,876,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 9 $ 1,565,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 9 $ 1,547,000
American Bank of Huntsville
3301 MEMORIAL PKWY SW
HUNTSVILLE, AL 35801
* $ 140,293,000 8 $ 1,409,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 8 $ 1,410,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 8 $ 1,460,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 8 $ 1,117,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 8 $ 1,534,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 8 $ 1,748,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 8 $ 1,722,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 7 $ 1,068,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 678,563,000 7 $ 503,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 7 $ 1,472,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 7 $ 1,335,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 7 $ 1,514,000
Christensen Financial, Inc.
860 N SR 434
ALTAMONTE SPRINGS, FL 32714
* $ 10,000,000 7 $ 998,000
Oakworth Capital Bank
2100A SOUTHBRIDGE PKWY STE 445
BIRMINGHAM, AL 35209
* $ 252,080,000 7 $ 408,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 375,205,000 7 $ 1,809,000
Southfirst Bank
126 N NORTON AVENUE
SYLACAUGA, AL 35150
* $ 98,741,000 6 $ 1,035,000
Covenant Bank
7924 PARKWAY DRIVE
LEEDS, AL 35094
* $ 82,414,000 6 $ 547,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 637,766,000 6 $ 770,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 6 $ 387,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 6 $ 1,211,000
Acipco Federal Credit Union
1501 31ST AVE N
BIRMINGHAM, AL 35202
* $ 139,623,000 6 $ 1,372,000
Alatrust Credit Union
1810 MERCHANTS DRIVE
HOOVER, AL 35244
* $ 130,635,000 6 $ 1,588,000
Alabama Credit Union
220 PAUL W. BRYANT DR. E.
TUSCALOOSA, AL 35486
* $ 620,042,000 5 $ 331,000
Alabama One Credit Union
1215 VETERANS MEMORIAL PARKWAY
TUSCALOOSA, AL 35404
* $ 608,101,000 5 $ 1,075,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 5 $ 708,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 5 $ 519,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 7,933,259,000 5 $ 243,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 5 $ 1,000,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ 10,000,000 5 $ 865,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 5 $ 917,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 5 $ 518,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 5 $ 932,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 5 $ 499,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 5 $ 1,000,000
BNC National Bank

BISMARCK, ND 58501
* $ 841,451,000 5 $ 927,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 4 $ 796,000
Max Credit Union
400 EASTDALE CIRCLE
MONTGOMERY, AL 36117
* $ 1,034,932,000 4 $ 967,000
Anchor Mortgage Services, Inc.
4260 CARMICHAEL COURT NORTH
MONTGOMERY, AL 36106
* $ 1,500,000 4 $ 546,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 4 $ 667,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 4 $ 566,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 99,877,000,000 4 $ 2,172,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 574,021,000 4 $ 172,000
Smartbank
2301 UNIVERSITY BLVD
TUSCALOOSA, AL 35401
* $ 408,035,000 4 $ 885,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 339,000
Alabama Central
3601 4TH AVE S
BIRMINGHAM, AL 35222
* $ 126,977,000 3 $ 373,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 4,499,998,000 3 $ 255,000
Peoples Bank of Alabama
1912 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 558,812,000 3 $ 442,000
Union State Bank
2019 COGSWELL AVE
PELL CITY, AL 35125
* $ 237,357,000 3 $ 62,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 277,561,000 3 $ 336,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 3 $ 264,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 3 $ 270,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 3 $ 495,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 3 $ 646,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 3 $ 474,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 3 $ 566,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 3 $ 683,000
Cb&S Bank
200 JACKSON AVE. S.
RUSSELLVILLE, AL 35653
* $ 1,481,480,000 3 $ 430,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 45,240,000 3 $ 690,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 3 $ 808,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 3 $ 313,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 3 $ 53,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 141,772,000 3 $ 803,000
Certusbank, N.A.
2 WEST WASHINGTON STREET 5TH FLOOR
GREENVILLE, SC 29601
* $ 1,656,164,000 3 $ 717,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 3,618,297,000 3 $ 957,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 986,791,000 3 $ 609,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 943,388,000 2 $ 414,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 800,870,000 2 $ 381,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 410,770,000 2 $ 373,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 102,326,000 2 $ 985,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 3,564,057,000 2 $ 279,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,662,890,000 2 $ 344,000
Secure First Credit Union
P.O. BOX 170070
BIRMINGHAM, AL 35217
* $ 43,697,000 2 $ 1,063,000
Aod Federal Credit Union
334 VICTORY DRIVE
BYNUM, AL 36253
* $ 258,683,000 2 $ 180,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 609,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 2 $ 385,000
Silverton Mortgage Specialists, Inc.
1201 PEACHTREE STREET NE STE 2050
ATLANTA, GA 30361
* $ 10,000,000 2 $ 518,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 2 $ 374,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 2 $ 371,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 5,081,543,000 2 $ 27,000
United Community Bank
PO BOX 398
BLAIRSVILLE, GA 30512
* $ 7,392,483,000 2 $ 323,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 2 $ 434,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ 10,000,000 2 $ 447,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 179,771,772,000 2 $ 297,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 26,795,278,000 2 $ 1,040,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 376,000
Grandbridge Real Est Capital
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 74,000,000,000 2 $ 23,630,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ 47,278,000 2 $ 324,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 2 $ 276,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 45,602,567,000 2 $ 1,100,000
Citizens Bank of Pennsylvania
ONE LOGAN SQUARE, 130 NORTH 18TH STREET
PHILADELPHIA, PA 19103
* $ 29,098,779,000 2 $ 1,198,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 251,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 2 $ 217,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 318,000
First Financial Bank
1630 4TH AVENUE N
BESSEMER, AL 35020
* $ 184,095,000 2 $ 67,000
United Bank
PO BOX 8
ATMORE, AL 36502
* $ 486,237,000 2 $ 247,000
Triumph Bank
1780 MORIAH WOODS BLVD., SUITE 4
MEMPHIS, TN 38117
* $ 436,956,000 2 $ 588,000
Reliant Bank
1736 CAROTHERS PKWY., STE. 100
BRENTWOOD, TN 37027
* $ 384,572,000 2 $ 230,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 2 $ 329,000
American Home Free Mortgage
PO BOX 760
PROSPER, TX 75078
* $ 11,149,000 2 $ 199,000
First Bank of Georgia
2743 PERIMETER PKWY BLD 100, SUITE 100
AUGUSTA, GA 30909
* $ 516,135,000 2 $ 320,000
Tri-Emerald Financial Group, Inc.
85 ENTERPRISE, SUITE 100
ALISO VIEJO, CA 92656
* $ 20,434,000 1 $ 186,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 3,910,000,000 1 $ 5,000
Crescom Bank
288 MEETING ST
CHARLESTON, SC 29401
* $ 880,029,000 1 $ 385,000
Pinnacle Bank
1811 2ND AVENUE
JASPER, AL 35501
* $ 220,220,000 1 $ 34,000
Tuscaloosa Credit Union
1100 21ST AVENUE
TUSCALOOSA, AL 35401
* $ 61,762,000 1 $ 160,000
Brand Mortgage Group, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ 0 1 $ 255,000
Traders & Farmers Bank
PO BOX 550
HALEYVILLE, AL 35565
* $ 351,764,000 1 $ 106,000
Auburn University Credit Union
PO BOX 1610
AUBURN, AL 36831
* $ 154,404,000 1 $ 103,000
Coastalstates Bank
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 369,447,000 1 $ 87,000
Emblem Credit Union
702 WALNUT ST
GADSDEN, AL 35901
* $ 245,660,000 1 $ 70,000
Noblebank & Trust
1509 QUINTARD AVE
ANNISTON, AL 36201
* $ 171,855,000 1 $ 239,000
Emery Federal Credit Union
7890 EAST KEMPER ROAD
CINCINNATI, OH 45249
* $ 165,034,000 1 $ 364,000
Listerhill Credit Union
P O BOX 566
SHEFFIELD, AL 35660
* $ 628,536,000 1 $ 255,000
Telco Community Credit Union
712 NEW LEICESTER HWY.
CANDLER, NC 28715
* $ 109,882,000 1 $ 224,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,099,031,000 1 $ 439,000
River Bank & Trust
2611 LEGENDS DRIVE
PRATTVILLE, AL 36066
* $ 443,483,000 1 $ 361,000
West Alabama Bank & Trust
P O BOX 310
REFORM, AL 35481
* $ 555,687,000 1 $ 3,000
Devon Bank
6445 N WESTERN AVENUE
CHICAGO, IL 60645
* $ 235,219,000 1 $ 392,000
Ccb Community Bank
225 E THREE NOTCH STREET
ANDALUSIA, AL 36420
* $ 427,008,000 1 $ 243,000
Benchmark Bank
5700 LEGACY DRIVE STE. 10
PLANO, TX 75024
* $ 414,540,000 1 $ 313,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 261,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ 16,639,000 1 $ 220,000
Firstkey Mortgage, LLC
900 THIRD AVENUE, SUITE 500
NEW YORK, NY 10022
* $ 4,365,000 1 $ 582,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ 0 1 $ 534,000
Rushmore Loan Management Servi
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ 117,300,000 1 $ 169,000
Bank Independent
710 S MONTGOMERY AVE
SHEFFIELD, AL 35660
* $ 1,102,019,000 1 $ 196,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 224,000
Peoples Southern Bank
P O BOX 269
CLANTON, AL 35045
* $ 152,334,000 1 $ 10,000
Auburnbank
100 N. GAY STREET
AUBURN, AL 36830
* $ 752,287,000 1 $ 154,000
Queensborough National Bank and Trust
3617 WALTON WAY EXT.
LOUISVILLE, GA 30434
* $ 836,474,000 1 $ 270,000
Campus Federal Credit Union
6230 PERKINS ROAD
BATON ROUGE, LA 70808
* $ 509,915,000 1 $ 28,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 598,835,000 1 $ 73,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 94,716,980,000 1 $ 60,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 1 $ 127,000
Kondaur Capital Corporation
333 S ANITA DR STE 400
ORANGE, CA 92868
* $ 54,713,000 1 $ 77,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ 1,000,000,000 1 $ 257,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 105,616,000,000 1 $ 752,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 11,262,169,000 1 $ 148,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 90,439,767,000 1 $ 31,489,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 199,000
Southern Fidelity Mortgage, LLC
9075 W DIABLO DRIVE SUITE 130
LAS VEGAS, NV 89148
* $ 10,000,000 1 $ 380,000
Barings Multifamily Capital LLC
5800 TENNYSON PARKWAY, SUITE 200
PLANO, TX 75024
* $ 10,000,000 1 $ 91,500,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 62,915,596,000 1 $ 47,000
Southcrest Bank
108 S CHURCH STREET
THOMASTON, GA 30286
* $ 285,136,000 1 $ 123,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ 133,851,000 1 $ 214,000
First State Bank of Blakely
2213 S. MAIN STREET
BLAKELY, GA 39823
* $ 377,575,000 1 $ 44,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 122,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 124,000
Geo-Corp, Inc.
901 CORPORATE CENTER DRIVE, STE 401
MONTEREY PARK, CA 91754
* $ 10,000,000 1 $ 234,000
Consumer First Mortgage, Inc.
511 ENERGY CENTER BLVD, SUITE 702
NORTHPORT, AL 35473
* $ 10,000,000 1 $ 108,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 1 $ 138,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ 31,000,000 1 $ 120,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 1 $ 154,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 225,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ 10,000,000 1 $ 135,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 125,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 0 1 $ 118,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 1 $ 112,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 208,000
Intercap Lending Inc.
26970 ALISO VIEJO PARKWAY, SUITE 100
ALISO VIEJO, CA 92656
* $ 10,000,000 1 $ 155,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 3,970,070,000 1 $ 288,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 5,846,566,000 1 $ 385,000
All in Credit Union
238 VIRGINIA AVENUE
DALEVILLE, AL 36322
* $ 1,115,750,000 1 $ 62,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 275,524,000 1 $ 25,000
Mtc Federal Credit Union
PO BOX 1944
GREENVILLE, SC 29607
* $ 142,183,000 1 $ 280,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 5,253,713,000 1 $ 204,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,128,932,000 1 $ 580,000
Southern States Bank

DALLAS, GA 30157
* $ 254,557,000 1 $ 275,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 566,962,000 1 $ 239,000
Gladewater National Bank
678 N MAIN
GLADEWATER, TX 75647
* $ 55,642,000 1 $ 116,000
The First, A National Banking Association
P.O. BOX 15549
HATTIESBURG, MS 39404
* $ 939,735,000 1 $ 218,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 83,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 1 $ 102,000
First National Bank of Pulaski
PO BOX 289
PULASKI, TN 38478
* $ 708,025,000 1 $ 96,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,560,571,000 1 $ 126,000
Gateway Bank F.S.B.
360 8TH STREET
OAKLAND, CA 94607
* $ 212,120,000 1 $ 234,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 204,003,000 1 $ 16,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 5,573,160,000 1 $ 124,000
Axiom Bank
258 SOUTHHALL LANE, STE 400
MAITLAND, FL 32751
* $ 584,449,000 1 $ 1,000,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,861,646,000 1 $ 175,000

The tables below break down 2014 mortgage applications in Shelby 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 Shelby 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 5,761 $1,184,472,000 $205,000 $91,500,000 $73,000 $3,000,000
Refinancing 4,151 $730,839,000 $176,000 $1,600,000 $79,000 $1,917,000
Home Improvement 672 $48,193,000 $71,000 $12,607,000 $89,000 $1,850,000

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 7,365 $1,251,655,000 $169,000 $1,575,000 $87,000 $3,000,000
Not applicable 1,127 $359,213,000 $318,000 $91,500,000 $11,000 $721,000
Black or African American 1,002 $166,384,000 $166,000 $1,120,000 $69,000 $1,303,000
Not Provided 678 $121,160,000 $178,000 $1,350,000 $81,000 $671,000
Hispanic 202 $27,269,000 $134,000 $752,000 $67,000 $385,000
Asian 174 $32,387,000 $186,000 $492,000 $95,000 $350,000
American Indian or Alaskan Native 27 $3,817,000 $141,000 $318,000 $60,000 $184,000
Native Hawaiian or Other Pacific Islander 9 $1,619,000 $179,000 $266,000 $58,000 $98,000

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) 7,351 $1,425,297,000 $193,000 $91,500,000 $89,000 $3,000,000
FHA-insured (Federal Housing Administration) 1,961 $300,302,000 $153,000 $2,480,000 $46,000 $1,040,000
VA-guaranteed (Veterans Administration) 883 $183,620,000 $207,000 $596,000 $59,000 $660,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 389 $54,285,000 $139,000 $327,000 $31,000 $134,000

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 5,425 $1,029,233,000 $189,000 $31,489,000 $88,000 $1,917,000
Application Denied By Financial Institution 1,810 $256,390,000 $141,000 $1,000,000 $75,000 $3,000,000
Loan Purchased By The Institution 1,642 $382,801,000 $233,000 $91,500,000 $33,000 $721,000
Application Withdrawn By Applicant 889 $163,085,000 $183,000 $800,000 $88,000 $1,532,000
Application Approved But Not Accepted 533 $77,278,000 $144,000 $1,200,000 $79,000 $1,303,000
File Closed For Incompleteness 282 $54,176,000 $192,000 $1,600,000 $89,000 $517,000
Preapproval Approved but not Accepted 2 $429,000 $214,000 $254,000 $71,000 $77,000
Preapproval Denied by Financial Institution 1 $112,000 $112,000 $112,000 $25,000 $25,000

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 253 $29,591,000 $116,000 $608,000 $78,000 $1,164,000
Debt-To-Income Ratio 194 $34,255,000 $176,000 $1,000,000 $73,000 $1,602,000
Collateral 151 $28,447,000 $188,000 $875,000 $97,000 $528,000
Credit Application Incomplete 125 $23,542,000 $188,000 $569,000 $83,000 $660,000
Other 87 $14,467,000 $166,000 $519,000 $117,000 $3,000,000
Unverifiable Information 37 $6,833,000 $184,000 $576,000 $78,000 $255,000
Insufficient Cash (Downpayment, Closing Cost) 27 $4,270,000 $158,000 $600,000 $60,000 $288,000
Employment History 13 $3,060,000 $235,000 $698,000 $83,000 $300,000
Mortgage Insurance Denied 1 $117,000 $117,000 $117,000 $188,000 $188,000

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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