Wilcox County, AL Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 241 mortgage applications in Wilcox County, AL totaling $29.6 million, down 21% from 2021. The average application was for $122,000, and applicants reported an average income of $81,000. 24% of applications resulted in an originated loan and 47% were denied. The most active lender was 21st Mortgage, with 69 applications, followed by Vanderbilt Mortgage and Finance, Inc and Triad Financial 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 | 241 |
| Total Mortgage Loan Application Amount | $29,635,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $2,392,000 |
* 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 | 69 | $ 7,565,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 36 | $ 3,820,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 15 | $ 1,535,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 10 | $ 480,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 17,593,319,000 | 9 | $ 1,535,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 1,370,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 6 | $ 690,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 605,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 620,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 630,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 1,050,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 3 | $ 275,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 315,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 335,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 455,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 235,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ 941,244,000 | 3 | $ 135,000 |
| Southpoint Bank 3501 GRANDVIEW PARKWAY BIRMINGHAM, AL 35243 |
* | $ 718,818,000 | 3 | $ 185,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 3 | $ 255,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 2 | $ 500,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 2 | $ 450,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 220,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 47,665,560,000 | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ -1,000 | 1 | $ 145,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 125,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 6,066,913,000 | 1 | $ 305,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 335,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 95,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 305,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 85,000 |
| Austin Capital Bank SSB 8100 SHOAL CREEK BLVD AUSTIN, TX 78757 |
* | $ 414,678,000 | 1 | $ 65,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ -1,000 | 1 | $ 85,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 5,045,573,000 | 1 | $ 255,000 |
| United Bank PO BOX 8 ATMORE, AL 36502 |
* | $ 976,897,000 | 1 | $ 55,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 95,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 1,400,922,000 | 1 | $ 85,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 145,000 |
| Mutual Savings Credit Union 2040 VALLEYDALE ROAD BIRMINGHAM, AL 35244 |
* | $ 217,479,000 | 1 | $ 195,000 |
| Gulf Winds Credit Union 220 E NINE MILE ROAD PENSACOLA, FL 32534 |
* | $ 1,014,783,000 | 1 | $ 75,000 |
| Penair Credit Union 1495 EAST NINE MILE ROAD PENSACOLA, FL 32514 |
* | $ 2,321,699,000 | 1 | $ 95,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 275,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 85,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 275,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 1 | $ 35,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 195,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 1 | $ 175,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 958,219,000 | 1 | $ 115,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 1 | $ 215,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 275,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 35,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 145,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 165,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 20,897,645,000 | 1 | $ 155,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 1 | $ 415,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 15,000 |
The tables below break down 2022 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 2022
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 | 180 | $21,600,000 | $120,000 | $335,000 | $68,000 | $307,000 |
| Cash-out Refinancing | 27 | $4,135,000 | $153,000 | $405,000 | $69,000 | $152,000 |
| Refinancing | 20 | $3,080,000 | $154,000 | $415,000 | $237,000 | $2,392,000 |
| Other Purpose | 7 | $555,000 | $79,000 | $235,000 | $68,000 | $118,000 |
| Home Improvement | 7 | $265,000 | $37,000 | $115,000 | $57,000 | $105,000 |
| 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 | 157 | $17,355,000 | $110,000 | $405,000 | $55,000 | $152,000 |
| White | 59 | $8,695,000 | $147,000 | $375,000 | $154,000 | $2,392,000 |
| Not Provided | 15 | $1,995,000 | $133,000 | $415,000 | $78,000 | $175,000 |
| Not applicable | 8 | $1,370,000 | $171,000 | $275,000 | $0 | $0 |
| Hispanic | 1 | $135,000 | $135,000 | $135,000 | $32,000 | $32,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| 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) | 205 | $24,035,000 | $117,000 | $415,000 | $84,000 | $2,392,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,785,000 | $146,000 | $275,000 | $53,000 | $124,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,285,000 | $175,000 | $335,000 | $70,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $530,000 | $132,000 | $145,000 | $52,000 | $92,000 |
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 | 113 | $11,765,000 | $104,000 | $415,000 | $79,000 | $2,392,000 |
| Loan Originated | 57 | $8,935,000 | $156,000 | $375,000 | $96,000 | $307,000 |
| File Closed For Incompleteness | 32 | $3,530,000 | $110,000 | $405,000 | $64,000 | $138,000 |
| Application Withdrawn By Applicant | 19 | $2,405,000 | $126,000 | $205,000 | $74,000 | $177,000 |
| Application Approved But Not Accepted | 12 | $1,440,000 | $120,000 | $205,000 | $70,000 | $153,000 |
| Loan Purchased By The Institution | 8 | $1,560,000 | $195,000 | $305,000 | $307,000 | $307,000 |
| 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 | 126 | $17,560,000 | $139,000 | $405,000 | $83,000 | $307,000 |
| Credit History | 79 | $7,735,000 | $97,000 | $215,000 | $81,000 | $2,392,000 |
| Debt-To-Income Ratio | 19 | $2,155,000 | $113,000 | $285,000 | $61,000 | $152,000 |
| Unverifiable Information | 7 | $655,000 | $93,000 | $145,000 | $59,000 | $122,000 |
| Collateral | 6 | $940,000 | $156,000 | $415,000 | $136,000 | $358,000 |
| Credit Application Incomplete | 3 | $555,000 | $185,000 | $335,000 | $71,000 | $93,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $90,000 | $90,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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