Washington County, AL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 502 mortgage applications in Washington County, AL totaling $47.3 million, up 3% from 2015. The average application was for $94,000, and applicants reported an average income of $61,000. 37% of applications resulted in an originated loan and 34% were denied. The most active lender was 21st Mortgage, with 75 applications, followed by Regions Bank and Vanderbilt Mortgage and Finance, 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 | 502 |
| Total Mortgage Loan Application Amount | $47,297,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $313,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $300,000 |
* 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 |
* | $ 10,000,000 | 75 | $ 4,150,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 54 | $ 3,097,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 42 | $ 2,787,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 30 | $ 4,308,000 |
| First Community Bank 34 COURT STREET CHATOM, AL 36518 |
* | $ 343,161,000 | 23 | $ 1,215,000 |
| Merchants Bank 1901 COLLEGE AVENUE JACKSON, AL 36545 |
* | $ 205,007,000 | 20 | $ 1,699,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 19 | $ 2,137,000 |
| Smartbank 2301 UNIVERSITY BLVD TUSCALOOSA, AL 35401 |
* | $ 452,047,000 | 19 | $ 2,500,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 11 | $ 1,259,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 1,047,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 9 | $ 715,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 9 | $ 1,178,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 575,534,000 | 8 | $ 525,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,269,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 8 | $ 1,431,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 8 | $ 1,472,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 805,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 6 | $ 1,004,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 6 | $ 142,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 525,826,000 | 5 | $ 1,044,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 5 | $ 338,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 5 | $ 664,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 5 | $ 294,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 4 | $ 279,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 4 | $ 586,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 4 | $ 662,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 577,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 3 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 3 | $ 283,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 3,300,000,000 | 3 | $ 264,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 3 | $ 50,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 340,713,000 | 2 | $ 164,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 2 | $ 169,000 |
| United Bank PO BOX 8 ATMORE, AL 36502 |
* | $ 529,814,000 | 2 | $ 166,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,216,928,000 | 2 | $ 223,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 564,519,000 | 2 | $ 251,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 2 | $ 112,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 2 | $ 16,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 408,000 |
| Avadian Credit Union 1 RIVERCHASE PKWY S HOOVER, AL 35244 |
* | $ 616,897,000 | 2 | $ 396,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ 580,239,000 | 2 | $ 180,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 112,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ 557,320,000 | 2 | $ 52,000 |
| New Horizons Credit Union P O BOX 2966 MOBILE, AL 36609 |
* | $ 222,061,000 | 2 | $ 266,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 2 | $ 64,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 60,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 122,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 208,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 693,216,000 | 1 | $ 28,000 |
| Century Bank P O BOX 647 LUCEDALE, MS 39452 |
* | $ 266,203,000 | 1 | $ 3,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 229,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ 15,478,000 | 1 | $ 168,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 183,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 90,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 77,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 59,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 151,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 207,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 211,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 219,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 225,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 90,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 288,284,000 | 1 | $ 56,000 |
| Great Southern Bank P O BOX 1271 MERIDIAN, MS 39301 |
* | $ 282,081,000 | 1 | $ 162,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 19,425,339,000 | 1 | $ 155,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,267,342,000 | 1 | $ 230,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 25,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 12,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 56,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 1 | $ 283,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,790,125,000 | 1 | $ 74,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 141,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,000,000 | 1 | $ 108,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 216,000 |
The tables below break down 2016 mortgage applications in Washington 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 Washington County, AL in 2016
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 | 240 | $21,410,000 | $89,000 | $313,000 | $52,000 | $158,000 |
| Refinancing | 193 | $24,422,000 | $126,000 | $303,000 | $73,000 | $300,000 |
| Home Improvement | 69 | $1,465,000 | $21,000 | $162,000 | $60,000 | $184,000 |
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 | 300 | $29,841,000 | $99,000 | $313,000 | $71,000 | $264,000 |
| Black or African American | 101 | $7,040,000 | $69,000 | $270,000 | $44,000 | $175,000 |
| Not Provided | 52 | $4,869,000 | $93,000 | $264,000 | $73,000 | $300,000 |
| Not applicable | 29 | $3,963,000 | $136,000 | $270,000 | $1,000 | $47,000 |
| American Indian or Alaskan Native | 17 | $1,386,000 | $81,000 | $208,000 | $57,000 | $120,000 |
| Hispanic | 3 | $198,000 | $66,000 | $96,000 | $37,000 | $55,000 |
| Native Hawaiin 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) | 385 | $33,752,000 | $87,000 | $313,000 | $66,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 95 | $10,647,000 | $112,000 | $226,000 | $43,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,951,000 | $150,000 | $303,000 | $68,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $947,000 | $105,000 | $180,000 | $32,000 | $59,000 |
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 | 186 | $18,757,000 | $100,000 | $313,000 | $72,000 | $264,000 |
| Application Denied By Financial Institution | 171 | $13,863,000 | $81,000 | $303,000 | $56,000 | $175,000 |
| File Closed For Incompleteness | 56 | $4,287,000 | $76,000 | $211,000 | $51,000 | $156,000 |
| Loan Purchased By The Institution | 37 | $5,172,000 | $139,000 | $270,000 | $21,000 | $123,000 |
| Application Withdrawn By Applicant | 31 | $3,371,000 | $108,000 | $197,000 | $61,000 | $300,000 |
| Application Approved But Not Accepted | 21 | $1,847,000 | $87,000 | $264,000 | $99,000 | $207,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $151,000 | $13,000 | $50,000 | $44,000 | $114,000 |
| Debt-To-Income Ratio | 10 | $831,000 | $83,000 | $216,000 | $62,000 | $132,000 |
| Collateral | 8 | $1,026,000 | $128,000 | $270,000 | $65,000 | $97,000 |
| Credit Application Incomplete | 4 | $465,000 | $116,000 | $208,000 | $86,000 | $123,000 |
| Other | 4 | $393,000 | $98,000 | $230,000 | $69,000 | $130,000 |
| Unverifiable Information | 1 | $70,000 | $70,000 | $70,000 | $47,000 | $47,000 |
| Employment History | 1 | $28,000 | $28,000 | $28,000 | $41,000 | $41,000 |
| 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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