Sumter County, AL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 254 mortgage applications in Sumter County, AL totaling $30.2 million, up 24% from 2019. The average application was for $118,000, and applicants reported an average income of $68,000. 37% of applications resulted in an originated loan and 36% were denied. The most active lender was 21st Mortgage, with 53 applications, followed by Vanderbilt Mortgage and Finance, Inc and Firstbank.
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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 | 254 |
| Total Mortgage Loan Application Amount | $30,200,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $693,000 |
* 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 |
* | $ -1,000 | 53 | $ 3,285,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 28 | $ 1,570,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 19 | $ 1,185,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 15 | $ 1,005,000 |
| Investar Bank P.O. BOX 84207 BATON ROUGE, LA 70808 |
* | $ 2,146,196,000 | 10 | $ 3,290,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 644,050,000 | 8 | $ 2,170,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,495,944,000 | 8 | $ 670,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 845,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 132,336,000 | 5 | $ 1,145,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 5 | $ 1,085,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 315,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ 630,401,000 | 4 | $ 750,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 410,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 3 | $ 195,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 405,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 3 | $ 275,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 420,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 360,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 390,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 1,278,148,000 | 2 | $ 470,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 440,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 2 | $ 310,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 130,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 430,000 |
| Alabama State Employees CU 1000 INTERSTATE PARK DRIVE MONTGOMERY, AL 36106 |
* | $ 323,920,000 | 2 | $ 70,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,259,650,000 | 2 | $ 110,000 |
| Axiom Bank, N.A. 258 SOUTHHALL LN SUITE 400 MAITLAND, FL 32751 |
* | $ 672,019,000 | 1 | $ 55,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ -1,000 | 1 | $ 225,000 |
| Gain Federal Credit Union 1800 W. MAGNOLIA BLVD BURBANK, CA 91506 |
* | $ 369,336,000 | 1 | $ 5,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 95,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 75,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 95,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 315,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 5,000 |
| Bryant Bank 1550 MCFARLAND BLVD N TUSCALOOSA, AL 35406 |
* | $ 1,839,058,000 | 1 | $ 245,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 115,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 115,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 415,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 225,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 48,103,435,000 | 1 | $ 255,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 125,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 205,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 95,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 65,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 125,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 789,398,000 | 1 | $ 35,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 155,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 791,565,000 | 1 | $ 215,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 1 | $ 115,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 185,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 225,000 |
| Avadian Credit Union 1 RIVERCHASE PKWY S HOOVER, AL 35244 |
* | $ 867,917,000 | 1 | $ 245,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2020 mortgage applications in Sumter 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 Sumter County, AL in 2020
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 | 152 | $15,640,000 | $102,000 | $1,875,000 | $56,000 | $693,000 |
| Refinancing | 66 | $10,910,000 | $165,000 | $545,000 | $95,000 | $300,000 |
| Cash-out Refinancing | 19 | $2,635,000 | $138,000 | $415,000 | $83,000 | $170,000 |
| Home Improvement | 8 | $500,000 | $62,000 | $125,000 | $73,000 | $223,000 |
| Other Purpose | 5 | $155,000 | $31,000 | $55,000 | $78,000 | $147,000 |
| Not Applicable | 4 | $360,000 | $90,000 | $145,000 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 122 | $9,350,000 | $76,000 | $335,000 | $50,000 | $338,000 |
| White | 91 | $13,545,000 | $148,000 | $1,875,000 | $86,000 | $693,000 |
| Not Provided | 24 | $3,950,000 | $164,000 | $545,000 | $93,000 | $300,000 |
| Not applicable | 15 | $3,025,000 | $201,000 | $1,055,000 | $47,000 | $55,000 |
| Hispanic | 2 | $330,000 | $165,000 | $305,000 | $82,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 207 | $23,835,000 | $115,000 | $1,875,000 | $71,000 | $693,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,390,000 | $121,000 | $225,000 | $40,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,295,000 | $176,000 | $335,000 | $74,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $680,000 | $113,000 | $135,000 | $47,000 | $55,000 |
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 | 94 | $14,300,000 | $152,000 | $1,055,000 | $78,000 | $236,000 |
| Application Denied By Financial Institution | 91 | $6,055,000 | $66,000 | $245,000 | $45,000 | $170,000 |
| File Closed For Incompleteness | 24 | $1,700,000 | $70,000 | $175,000 | $74,000 | $338,000 |
| Application Withdrawn By Applicant | 18 | $5,050,000 | $280,000 | $1,875,000 | $130,000 | $693,000 |
| Application Approved But Not Accepted | 14 | $1,180,000 | $84,000 | $245,000 | $79,000 | $338,000 |
| Loan Purchased By The Institution | 13 | $1,915,000 | $147,000 | $285,000 | $67,000 | $155,000 |
| 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 | 144 | $18,440,000 | $128,000 | $425,000 | $76,000 | $338,000 |
| Credit History | 59 | $3,525,000 | $59,000 | $155,000 | $43,000 | $102,000 |
| Debt-To-Income Ratio | 36 | $6,800,000 | $188,000 | $1,875,000 | $83,000 | $693,000 |
| Credit Application Incomplete | 5 | $805,000 | $161,000 | $245,000 | $104,000 | $170,000 |
| Collateral | 4 | $300,000 | $75,000 | $115,000 | $53,000 | $68,000 |
| Unverifiable Information | 3 | $145,000 | $48,000 | $75,000 | $46,000 | $51,000 |
| Employment History | 2 | $80,000 | $40,000 | $45,000 | $66,000 | $73,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $37,000 | $37,000 |
| 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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