Wilcox County, AL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 192 mortgage applications in Wilcox County, AL totaling $21.9 million, down 20% from 2022. The average application was for $113,000, and applicants reported an average income of $84,000. 22% of applications resulted in an originated loan and 49% were denied. The most active lender was 21st Mortgage, with 49 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 | 192 |
| Total Mortgage Loan Application Amount | $21,850,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $741,000 |
| 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 | 49 | $ 4,735,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 35 | $ 3,825,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 16 | $ 1,710,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 14 | $ 1,360,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 18,013,146,000 | 13 | $ 1,605,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 10 | $ 640,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 4 | $ 350,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 4 | $ 1,050,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 125,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 485,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 435,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 360,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ -1,000 | 2 | $ 230,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 440,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 250,000 |
| Smartbank 2430 TEASTER LANE PIGEON FORGE, TN 37863 |
* | $ 4,631,368,000 | 2 | $ 140,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 160,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 400,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 14,594,770,000 | 1 | $ 285,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 105,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 205,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 165,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 85,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 105,000 |
| Real Genius LLC 1625 S CONGRESS AVE STE 190 DELRAY BEACH, FL 33445 |
* | $ -1,000 | 1 | $ 85,000 |
| All in Credit Union 238 VIRGINIA AVENUE DALEVILLE, AL 36322 |
* | $ 2,613,205,000 | 1 | $ 115,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 175,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 105,000 |
| Robertson Banking Company 216 NORTH WALNUT AVE DEMOPOLIS, AL 36732 |
* | $ 444,822,000 | 1 | $ 135,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ -1,000 | 1 | $ 75,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 235,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 225,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 45,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 1 | $ 75,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 55,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 145,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 1 | $ 325,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 245,000 |
The tables below break down 2023 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 2023
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 | 153 | $17,935,000 | $117,000 | $325,000 | $76,000 | $741,000 |
| Other Purpose | 15 | $985,000 | $65,000 | $125,000 | $142,000 | $432,000 |
| Cash-out Refinancing | 13 | $1,975,000 | $151,000 | $245,000 | $71,000 | $120,000 |
| Home Improvement | 6 | $370,000 | $61,000 | $105,000 | $138,000 | $360,000 |
| Refinancing | 5 | $585,000 | $117,000 | $165,000 | $88,000 | $225,000 |
| 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 | 127 | $13,395,000 | $105,000 | $275,000 | $71,000 | $741,000 |
| White | 40 | $4,870,000 | $121,000 | $315,000 | $132,000 | $432,000 |
| Not Provided | 13 | $1,745,000 | $134,000 | $325,000 | $79,000 | $329,000 |
| Not applicable | 5 | $1,125,000 | $225,000 | $315,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $395,000 | $79,000 | $115,000 | $36,000 | $55,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $163,000 | $163,000 |
| Hispanic | 1 | $225,000 | $225,000 | $225,000 | $61,000 | $61,000 |
| 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) | 164 | $17,050,000 | $103,000 | $285,000 | $84,000 | $741,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,335,000 | $155,000 | $325,000 | $89,000 | $329,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,320,000 | $165,000 | $245,000 | $66,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,145,000 | $229,000 | $315,000 | $75,000 | $103,000 |
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 | 95 | $9,645,000 | $101,000 | $325,000 | $91,000 | $741,000 |
| Loan Originated | 43 | $5,765,000 | $134,000 | $315,000 | $76,000 | $165,000 |
| File Closed For Incompleteness | 28 | $2,990,000 | $106,000 | $245,000 | $72,000 | $150,000 |
| Application Approved But Not Accepted | 11 | $1,065,000 | $96,000 | $145,000 | $86,000 | $166,000 |
| Application Withdrawn By Applicant | 11 | $1,545,000 | $140,000 | $265,000 | $80,000 | $174,000 |
| Loan Purchased By The Institution | 4 | $840,000 | $210,000 | $315,000 | $0 | $0 |
| 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 | 96 | $12,070,000 | $125,000 | $315,000 | $77,000 | $174,000 |
| Credit History | 59 | $6,045,000 | $102,000 | $185,000 | $108,000 | $741,000 |
| Debt-To-Income Ratio | 19 | $2,035,000 | $107,000 | $325,000 | $58,000 | $329,000 |
| Unverifiable Information | 8 | $600,000 | $75,000 | $135,000 | $55,000 | $106,000 |
| Credit Application Incomplete | 3 | $265,000 | $88,000 | $105,000 | $34,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $235,000 | $78,000 | $85,000 | $62,000 | $96,000 |
| Other | 2 | $370,000 | $185,000 | $245,000 | $97,000 | $127,000 |
| Collateral | 2 | $230,000 | $115,000 | $205,000 | $91,000 | $100,000 |
| Employment History | 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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