St. Clair County, AL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 5,997 mortgage applications in St. Clair County, AL totaling $858.5 million, up 22% from 2011. The average application was for $143,000, and applicants reported an average income of $60,000. 43% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank NA, with 742 applications, followed by JPMorgan Chase Bank, NA and Hometown Mortgage Services 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 | 5,997 |
| Total Mortgage Loan Application Amount | $858,502,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $3,840,000 |
Top Mortgage Lenders in St. Clair County, AL (2012)
Ranked by the number of mortgage applications each lender reported in St. Clair County, AL in 2012.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
742 | $115,272,000 | $155,000 | $59,000 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
359 | $49,535,000 | $137,000 | $53,000 |
| 3 | Hometown Mortgage Services Inc Birmingham, AL |
314 | $50,390,000 | $160,000 | $61,000 |
| 4 | Truist Bank Raleigh, NC |
227 | $28,516,000 | $125,000 | $59,000 |
| 5 | Regions Bank Birmingham, AL |
199 | $22,880,000 | $114,000 | $70,000 |
| 6 | Metro Bank Pell City, AL |
168 | $8,611,000 | $51,000 | $40,000 |
| 7 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
151 | $9,251,000 | $61,000 | $36,000 |
| 8 | Hometrust Mortgage Company Houston, TX |
149 | $23,648,000 | $158,000 | $64,000 |
| 9 | American Bank of Huntsville Huntsville, AL |
137 | $22,014,000 | $160,000 | $80,000 |
| 10 | Flagstar Bank NA Troy, MI |
120 | $18,053,000 | $150,000 | $53,000 |
The tables below break down 2012 mortgage applications in St. Clair 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 St. Clair County, AL in 2012
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 | 3,598 | $575,640,000 | $159,000 | $1,260,000 | $65,000 | $3,840,000 |
| Home Purchase | 2,122 | $269,874,000 | $127,000 | $483,000 | $52,000 | $655,000 |
| Home Improvement | 277 | $12,988,000 | $46,000 | $319,000 | $59,000 | $161,000 |
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 | 4,712 | $663,776,000 | $140,000 | $1,260,000 | $65,000 | $3,840,000 |
| Not applicable | 478 | $72,408,000 | $151,000 | $1,050,000 | $13,000 | $188,000 |
| Not Provided | 381 | $61,095,000 | $160,000 | $565,000 | $69,000 | $1,330,000 |
| Black or African American | 335 | $48,892,000 | $145,000 | $415,000 | $53,000 | $181,000 |
| Hispanic | 41 | $5,511,000 | $134,000 | $360,000 | $63,000 | $245,000 |
| Asian | 33 | $5,090,000 | $154,000 | $322,000 | $62,000 | $298,000 |
| American Indian or Alaskan Native | 14 | $1,469,000 | $104,000 | $279,000 | $43,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $261,000 | $87,000 | $145,000 | $41,000 | $83,000 |
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) | 3,790 | $530,218,000 | $139,000 | $1,260,000 | $71,000 | $3,840,000 |
| FHA-insured (Federal Housing Administration) | 1,383 | $204,095,000 | $147,000 | $405,000 | $42,000 | $334,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 524 | $69,835,000 | $133,000 | $328,000 | $40,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 300 | $54,354,000 | $181,000 | $419,000 | $48,000 | $190,000 |
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 | 2,566 | $364,854,000 | $142,000 | $1,260,000 | $67,000 | $919,000 |
| Loan Purchased By The Institution | 1,270 | $201,934,000 | $159,000 | $417,000 | $42,000 | $354,000 |
| Application Denied By Financial Institution | 1,061 | $123,198,000 | $116,000 | $565,000 | $56,000 | $1,200,000 |
| Application Withdrawn By Applicant | 602 | $99,277,000 | $164,000 | $525,000 | $77,000 | $3,840,000 |
| Application Approved But Not Accepted | 331 | $43,081,000 | $130,000 | $1,050,000 | $57,000 | $285,000 |
| File Closed For Incompleteness | 165 | $25,881,000 | $156,000 | $519,000 | $66,000 | $298,000 |
| Preapproval Approved but not Accepted | 2 | $277,000 | $138,000 | $194,000 | $40,000 | $58,000 |
| 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 | 237 | $22,740,000 | $95,000 | $371,000 | $54,000 | $360,000 |
| Collateral | 117 | $18,941,000 | $161,000 | $440,000 | $72,000 | $208,000 |
| Debt-To-Income Ratio | 113 | $13,730,000 | $121,000 | $415,000 | $43,000 | $357,000 |
| Credit Application Incomplete | 91 | $12,121,000 | $133,000 | $565,000 | $78,000 | $1,200,000 |
| Other | 53 | $7,403,000 | $139,000 | $332,000 | $61,000 | $600,000 |
| Unverifiable Information | 22 | $3,365,000 | $152,000 | $354,000 | $94,000 | $713,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $1,609,000 | $94,000 | $202,000 | $41,000 | $77,000 |
| Employment History | 6 | $860,000 | $143,000 | $335,000 | $23,000 | $42,000 |
| Mortgage Insurance Denied | 3 | $564,000 | $188,000 | $215,000 | $94,000 | $103,000 |
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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