Sumter County, AL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 247 mortgage applications in Sumter County, AL totaling $25.4 million, down 2% from 2023. The average application was for $102,000, and applicants reported an average income of $67,000. 32% of applications resulted in an originated loan and 36% were denied. The most active lender was 21st Mortgage, with 45 applications, followed by Vanderbilt Mortgage and Finance, Inc and Regions Bank.
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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 | 247 |
| Total Mortgage Loan Application Amount | $25,425,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $418,000 |
* 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 |
* | $ n/a | 45 | $ 4,005,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 36 | $ 3,290,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 27 | $ 1,755,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 25 | $ 3,345,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 13 | $ 1,245,000 |
| Robertson Banking Company 216 NORTH WALNUT AVE DEMOPOLIS, AL 36732 |
* | $ n/a | 5 | $ 445,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 285,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 485,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 655,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ n/a | 5 | $ 245,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 4 | $ 480,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 105,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 275,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 585,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ n/a | 2 | $ 90,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 380,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 210,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 200,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 140,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 150,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 2 | $ 160,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ n/a | 2 | $ 590,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 210,000 |
| River Bank & Trust 2611 LEGENDS DRIVE PRATTVILLE, AL 36066 |
* | $ n/a | 2 | $ 180,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 370,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 180,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 380,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 65,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 215,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 155,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 55,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ n/a | 1 | $ 135,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 215,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 205,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ n/a | 1 | $ 185,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 105,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 105,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 175,000 |
| Investar Bank P.O. BOX 84207 BATON ROUGE, LA 70808 |
* | $ n/a | 1 | $ 85,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 155,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 425,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 195,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 175,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 85,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 1 | $ 35,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 65,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 295,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2024 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 2024
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 | 171 | $18,795,000 | $109,000 | $425,000 | $61,000 | $418,000 |
| Cash-out Refinancing | 26 | $3,180,000 | $122,000 | $255,000 | $64,000 | $172,000 |
| Home Improvement | 19 | $935,000 | $49,000 | $165,000 | $84,000 | $282,000 |
| Refinancing | 18 | $1,800,000 | $100,000 | $265,000 | $99,000 | $282,000 |
| Other Purpose | 12 | $670,000 | $55,000 | $205,000 | $80,000 | $209,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 154 | $14,030,000 | $91,000 | $255,000 | $57,000 | $253,000 |
| White | 56 | $7,460,000 | $133,000 | $325,000 | $98,000 | $418,000 |
| Not applicable | 23 | $1,925,000 | $83,000 | $215,000 | $0 | $0 |
| Not Provided | 6 | $1,050,000 | $175,000 | $425,000 | $67,000 | $172,000 |
| American Indian or Alaskan Native | 5 | $515,000 | $103,000 | $115,000 | $51,000 | $64,000 |
| Hispanic | 2 | $330,000 | $165,000 | $185,000 | $61,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $38,000 | $38,000 |
| 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) | 208 | $19,680,000 | $94,000 | $425,000 | $68,000 | $418,000 |
| FHA-insured (Federal Housing Administration) | 31 | $4,705,000 | $151,000 | $295,000 | $62,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 5 | $825,000 | $165,000 | $255,000 | $60,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $215,000 | $71,000 | $75,000 | $36,000 | $36,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 90 | $8,670,000 | $96,000 | $425,000 | $50,000 | $253,000 |
| Loan Originated | 80 | $8,550,000 | $106,000 | $325,000 | $87,000 | $418,000 |
| File Closed For Incompleteness | 23 | $2,245,000 | $97,000 | $255,000 | $54,000 | $103,000 |
| Application Withdrawn By Applicant | 19 | $2,405,000 | $126,000 | $295,000 | $74,000 | $193,000 |
| Loan Purchased By The Institution | 19 | $1,585,000 | $83,000 | $215,000 | $0 | $0 |
| Application Approved But Not Accepted | 16 | $1,970,000 | $123,000 | $265,000 | $77,000 | $168,000 |
| 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 | $15,400,000 | $106,000 | $295,000 | $73,000 | $282,000 |
| Credit History | 49 | $4,235,000 | $86,000 | $215,000 | $50,000 | $253,000 |
| Debt-To-Income Ratio | 33 | $3,405,000 | $103,000 | $425,000 | $75,000 | $418,000 |
| Collateral | 8 | $840,000 | $105,000 | $245,000 | $66,000 | $100,000 |
| Credit Application Incomplete | 6 | $800,000 | $133,000 | $255,000 | $79,000 | $97,000 |
| Unverifiable Information | 4 | $370,000 | $92,000 | $125,000 | $51,000 | $60,000 |
| Other | 2 | $240,000 | $120,000 | $155,000 | $52,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $53,000 | $53,000 |
| 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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