Wilcox County, AL Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 286 mortgage applications in Wilcox County, AL totaling $34.1 million, up 20% from 2024. The average application was for $119,000, and applicants reported an average income of $69,000. 27% of applications resulted in an originated loan and 38% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 73 applications, followed by 21st Mortgage and United 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 | 286 |
| Total Mortgage Loan Application Amount | $34,050,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $533,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 73 | $ 7,085,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 62 | $ 5,840,000 |
| United Bank PO BOX 8 ATMORE, AL 36502 |
* | $ n/a | 16 | $ 1,280,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 14 | $ 1,560,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 11 | $ 895,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 8 | $ 740,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 1,140,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 7 | $ 1,175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 500,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 180,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 910,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 410,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 3 | $ 355,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 775,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 375,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 365,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 735,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 515,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 3 | $ 675,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 630,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 770,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 290,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 440,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ n/a | 2 | $ 140,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 2 | $ 480,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ n/a | 2 | $ 90,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 2 | $ 570,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 380,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 1 | $ 225,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 145,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 265,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 1 | $ 245,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 255,000 |
| First Nation Bank and Trust 111 S MAIN ST ATMORE, AL 36502 |
* | $ n/a | 1 | $ 105,000 |
| Fedchoice Federal Credit Union 10001WILLOWDALERD LANHAM, MD 20706 |
* | $ n/a | 1 | $ 355,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 155,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ n/a | 1 | $ 115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 45,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ n/a | 1 | $ 55,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ n/a | 1 | $ 135,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 305,000 |
| Gulf Winds Credit Union 220 E NINE MILE ROAD PENSACOLA, FL 32534 |
* | $ n/a | 1 | $ 25,000 |
| First South Farm Credit, Aca 260 TRACE COLONY PARK DR RIDGELAND, MS 39157 |
* | $ n/a | 1 | $ 455,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 15,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 255,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 55,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ n/a | 1 | $ 295,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2025 mortgage applications in Wilcox 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 Wilcox County, AL in 2025
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 | 208 | $24,810,000 | $119,000 | $565,000 | $66,000 | $533,000 |
| Cash-out Refinancing | 38 | $4,640,000 | $122,000 | $275,000 | $67,000 | $182,000 |
| Refinancing | 16 | $2,970,000 | $185,000 | $375,000 | $109,000 | $300,000 |
| Other Purpose | 12 | $780,000 | $65,000 | $145,000 | $71,000 | $152,000 |
| Home Improvement | 12 | $850,000 | $70,000 | $355,000 | $90,000 | $176,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 187 | $19,285,000 | $103,000 | $375,000 | $56,000 | $198,000 |
| White | 57 | $7,865,000 | $137,000 | $565,000 | $107,000 | $533,000 |
| Not Provided | 23 | $3,495,000 | $151,000 | $505,000 | $73,000 | $190,000 |
| Not applicable | 10 | $1,870,000 | $187,000 | $495,000 | $56,000 | $73,000 |
| Hispanic | 6 | $1,160,000 | $193,000 | $355,000 | $108,000 | $198,000 |
| American Indian or Alaskan Native | 3 | $375,000 | $125,000 | $215,000 | $84,000 | $84,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 238 | $24,810,000 | $104,000 | $505,000 | $68,000 | $533,000 |
| FHA-insured (Federal Housing Administration) | 34 | $5,330,000 | $156,000 | $315,000 | $73,000 | $198,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,760,000 | $313,000 | $565,000 | $81,000 | $109,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $150,000 | $75,000 | $75,000 | $100,000 | $100,000 |
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 | 110 | $10,930,000 | $99,000 | $295,000 | $48,000 | $159,000 |
| Loan Originated | 76 | $9,670,000 | $127,000 | $455,000 | $97,000 | $533,000 |
| File Closed For Incompleteness | 45 | $5,045,000 | $112,000 | $375,000 | $63,000 | $160,000 |
| Application Withdrawn By Applicant | 36 | $5,600,000 | $155,000 | $565,000 | $89,000 | $198,000 |
| Application Approved But Not Accepted | 11 | $1,445,000 | $131,000 | $315,000 | $69,000 | $98,000 |
| Loan Purchased By The Institution | 8 | $1,360,000 | $170,000 | $495,000 | $56,000 | $73,000 |
| 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 | 163 | $22,205,000 | $136,000 | $565,000 | $82,000 | $533,000 |
| Credit History | 75 | $7,595,000 | $101,000 | $165,000 | $53,000 | $159,000 |
| Debt-To-Income Ratio | 36 | $3,170,000 | $88,000 | $195,000 | $54,000 | $180,000 |
| Collateral | 5 | $625,000 | $125,000 | $295,000 | $50,000 | $99,000 |
| Credit Application Incomplete | 3 | $175,000 | $58,000 | $65,000 | $14,000 | $21,000 |
| Unverifiable Information | 2 | $130,000 | $65,000 | $85,000 | $52,000 | $77,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $62,000 | $62,000 |
| 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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