Winston County, AL Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 1,261 mortgage applications in Winston County, AL totaling $119.5 million, down 12% from 2004. The average application was for $94,000, and applicants reported an average income of $72,000. 42% of applications resulted in an originated loan and 22% were denied. The most active lender was Traders & Farmers Bank, with 106 applications, followed by Vanderbilt Mortgage and Ameriquest Mortgage Company.
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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 | 1,261 |
| Total Mortgage Loan Application Amount | $119,484,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,614,000 |
* 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 |
|---|---|---|---|---|
| Traders & Farmers Bank PO BOX 550 HALEYVILLE, AL 35565 |
* | $ 338,479,000 | 106 | $ 4,879,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 78 | $ 2,890,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 77 | $ 7,730,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 56 | $ 8,199,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 55 | $ 2,953,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 53 | $ 2,442,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 47 | $ 3,206,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 49,711,241,000 | 39 | $ 6,490,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 33 | $ 2,325,000 |
| Community Bank P O BOX 1000 BLOUNTSVILLE, AL 35031 |
* | $ 546,287,000 | 30 | $ 1,194,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 198,138,000 | 29 | $ 1,351,000 |
| First National Bank of Jasper PO BOX 31 JASPER, AL 35502 |
* | $ 511,222,000 | 26 | $ 1,529,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 25 | $ 2,930,000 |
| Pinnacle Bank 1811 2ND AVENUE JASPER, AL 35501 |
* | $ 207,743,000 | 24 | $ 1,505,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 24 | $ 1,198,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 20 | $ 3,043,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,482,420,000 | 19 | $ 2,198,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 18 | $ 1,085,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 17 | $ 2,460,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 15 | $ 1,050,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 15 | $ 1,743,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 15 | $ 2,321,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 14 | $ 2,077,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 13 | $ 1,856,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 13 | $ 1,682,000 |
| Wells Fargo Fin'l Alabama, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 425,071,000 | 13 | $ 958,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 49,210,377,000 | 13 | $ 1,535,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 13 | $ 762,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 12 | $ 901,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 12 | $ 2,296,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 12 | $ 467,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 389,963,000,000 | 11 | $ 1,573,000 |
| First American Bank 301 FAYETTEVILLE STREET, SUITE 1200 RALEIGH, NC 27601 |
* | $ 986,602,000 | 11 | $ 1,554,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 9 | $ 276,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 9 | $ 1,637,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 9 | $ 1,230,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 1,437,025,000 | 9 | $ 1,754,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 9 | $ 1,363,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 8 | $ 386,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 8 | $ 633,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 28,213,983,000 | 8 | $ 2,180,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 559,000 |
| Premier Bank of the South 101 1ST AVE NW CULLMAN, AL 35055 |
* | $ 107,127,000 | 7 | $ 309,000 |
| Peoples Bank of Alabama 1912 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 393,599,000 | 6 | $ 857,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 6 | $ 712,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 6 | $ 716,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 5 | $ 434,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 316,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 5 | $ 897,000 |
| Colonial Bank, N.A. PO BOX 1108 - CORPORATE COMPLIANCE MONTGOMERY, AL 36101 |
* | $ 18,884,741,000 | 5 | $ 832,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 5 | $ 1,063,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 40,963,356,000 | 5 | $ 1,068,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 4 | $ 556,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 4 | $ 116,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 4 | $ 299,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 4 | $ 313,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,684,696,000 | 4 | $ 157,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 623,656,000 | 4 | $ 395,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 4 | $ 170,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 13,770,188,000 | 4 | $ 539,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 4 | $ 755,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 244,000 |
| Superior Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 1,400,000,000 | 4 | $ 1,242,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 614,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 3 | $ 544,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 3 | $ 266,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 3 | $ 514,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 10,844,752,000 | 3 | $ 723,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 3 | $ 267,000 |
| Castle Mortgage Corporation 701 MONTGOMERY HWY SOUTH SUITE 203 VESTAVIA HILLS, AL 35216 |
* | $ 10,000,000 | 3 | $ 451,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 3 | $ 223,000 |
| First Federal Bank 1300 MCFARLAND BOULEVARD NE TUSCALOOSA, AL 35406 |
* | $ 117,291,000 | 3 | $ 852,000 |
| Alatrust Credit Union 1810 MERCHANTS DRIVE HOOVER, AL 35244 |
* | $ 86,598,000 | 2 | $ 78,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 2 | $ 66,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 2 | $ 261,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 2 | $ 92,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 49,210,377,000 | 2 | $ 178,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,260,000 | 2 | $ 254,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 528,733,000 | 2 | $ 52,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 74,479,112,000 | 2 | $ 344,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 2 | $ 159,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 27,779,034,000 | 2 | $ 160,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ 410,337,000 | 2 | $ 104,000 |
| International Mortgage Corp 8258 VETERANS HIGHWAY, STE 10 MILLERSVILLE, MD 21108 |
* | $ 10,000,000 | 2 | $ 294,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 662,000 | 2 | $ 329,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 2 | $ 352,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 484,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 2 | $ 234,000 |
| Jlm Direct Funding Ltd 9235 KATY FREEWAY STE 160 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 314,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,408,072,000 | 2 | $ 304,000 |
| Southbank 118 JEFFERSON STREET HUNTSVILLE, AL 35801 |
* | $ 422,125,000 | 2 | $ 228,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 148,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,043,312,000 | 2 | $ 102,000 |
| Valley State Bank 15565 HWY 43 RUSSELLVILLE, AL 35653 |
* | $ 117,629,000 | 1 | $ 227,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 7,890,600,000 | 1 | $ 224,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Redstone Federal Credit Union 220 WYNN DRIVE HUNTSVILLE, AL 35893 |
* | $ 1,715,585,000 | 1 | $ 138,000 |
| Southeastern Mortgage of Alaba 300 OFFICE PARK DR., STE. 120 BIRMINGHAM, AL 35223 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Stonecreek Funding Corporation 1515 WAZEE, SUITE 300 DENVER, CO 80202 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 130,780,100,000 | 1 | $ 163,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 22,927,745,000 | 1 | $ 359,000 |
| Park Community Credit Union 6101 FERN VALLEY ROAD LOUISVILLE, KY 40228 |
* | $ 237,839,000 | 1 | $ 13,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 7,021,387,000 | 1 | $ 120,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 52,414,140,000 | 1 | $ 473,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 1 | $ 100,000 |
| Molton, Allen & Williams Mtg 1000 URBAN CENTER DRIVE, STE 500 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 168,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 138,296,274,000 | 1 | $ 66,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 304,000 |
| Hamilton Mortgage 1 INDEPENDENCE PLAZA, SUITE 416 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Harbourton Mortgage Inv Corp 1000 URBAN CENTER DRIVE, STE 500 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 266,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 1 | $ 145,000 |
| Liberty Mortgage Corporation 2713 FOREST HILLS RD WILSON, NC 27893 |
* | $ 43,553,752,000 | 1 | $ 124,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 36,023,828,000 | 1 | $ 14,000 |
| Impac Funding Corp 19500 JAMBOREE ROAD IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 310,000 |
| Best Rate Funding Corp 2 MAC ARTHUR PLACE, STE. 800 SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 1,215,992,000 | 1 | $ 48,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 194,422,000 | 1 | $ 65,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 370,000 |
| Acipco Federal Credit Union 1501 31ST AVE N BIRMINGHAM, AL 35202 |
* | $ 96,173,000 | 1 | $ 65,000 |
| All Fund Mortgage 8808 PACIFIC AVE. TACOMA, WA 98444 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Aaa Worldwide Financial Co. 5057 KELLER SPRINGS RD ADDISON, TX 75001 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Charles Schwab Bank 101 MONTGOMERY STREET 11-262 SAN FRANCISCO, CA 94104 |
* | $ 4,424,906,000 | 1 | $ 48,000 |
| Citizens First Bank PO BOX 1313 ROME, GA 30162 |
* | $ 274,129,000 | 1 | $ 40,000 |
| Coats & Co., Inc. 2000B SOUTHBRIDGE PARKWAY #200 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 64,046,000 | 1 | $ 434,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 332,324,000 | 1 | $ 36,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 25,545,577,000 | 1 | $ 142,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 248,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 478,447,000 | 1 | $ 208,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,001,000 | 1 | $ 97,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 322,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 1,843,177,000 | 1 | $ 43,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 4,836,550,000 | 1 | $ 32,000 |
| First Ntnl Bank of Shelby Co P.O. BOX 977 COLUMBIANA, AL 35051 |
* | $ 211,720,000 | 1 | $ 79,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 44,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 83,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 114,000 |
The tables below break down 2005 mortgage applications in Winston 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 Winston County, AL in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 602 | $63,082,000 | $104,000 | $720,000 | $77,000 | $1,614,000 |
| Home Purchase | 509 | $48,327,000 | $94,000 | $845,000 | $72,000 | $816,000 |
| Home Improvement | 150 | $8,075,000 | $53,000 | $434,000 | $49,000 | $200,000 |
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 | 980 | $93,171,000 | $95,000 | $845,000 | $78,000 | $960,000 |
| Not Provided | 131 | $13,649,000 | $104,000 | $428,000 | $76,000 | $1,614,000 |
| Not applicable | 121 | $9,882,000 | $81,000 | $473,000 | $13,000 | $188,000 |
| American Indian or Alaskan Native | 11 | $1,062,000 | $96,000 | $180,000 | $104,000 | $415,000 |
| Hispanic | 8 | $490,000 | $61,000 | $132,000 | $29,000 | $40,000 |
| Black or African American | 6 | $676,000 | $112,000 | $322,000 | $45,000 | $104,000 |
| Asian | 3 | $459,000 | $153,000 | $355,000 | $114,000 | $187,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $54,000 | $54,000 |
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) | 1,221 | $116,188,000 | $95,000 | $845,000 | $75,000 | $1,614,000 |
| FHA-insured (Federal Housing Administration) | 31 | $2,624,000 | $84,000 | $182,000 | $29,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 8 | $606,000 | $75,000 | $112,000 | $39,000 | $63,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $66,000 | $66,000 | $66,000 | $25,000 | $25,000 |
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 | 525 | $53,188,000 | $101,000 | $845,000 | $90,000 | $816,000 |
| Application Denied By Financial Institution | 277 | $20,138,000 | $72,000 | $720,000 | $51,000 | $960,000 |
| Loan Purchased By The Institution | 177 | $17,755,000 | $100,000 | $500,000 | $57,000 | $732,000 |
| Application Withdrawn By Applicant | 129 | $14,630,000 | $113,000 | $603,000 | $82,000 | $1,614,000 |
| Application Approved But Not Accepted | 93 | $8,418,000 | $90,000 | $720,000 | $77,000 | $840,000 |
| File Closed For Incompleteness | 58 | $5,095,000 | $87,000 | $211,000 | $58,000 | $840,000 |
| Preapproval Denied by Financial Institution | 2 | $260,000 | $130,000 | $130,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 58 | $3,647,000 | $62,000 | $322,000 | $39,000 | $180,000 |
| Other | 47 | $3,694,000 | $78,000 | $207,000 | $54,000 | $960,000 |
| Collateral | 22 | $3,420,000 | $155,000 | $720,000 | $72,000 | $360,000 |
| Debt-To-Income Ratio | 16 | $1,102,000 | $68,000 | $250,000 | $30,000 | $86,000 |
| Credit Application Incomplete | 7 | $624,000 | $89,000 | $172,000 | $63,000 | $104,000 |
| Unverifiable Information | 4 | $298,000 | $74,000 | $140,000 | $52,000 | $78,000 |
| Employment History | 2 | $115,000 | $57,000 | $61,000 | $34,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $81,000 | $40,000 | $41,000 | $34,000 | $49,000 |
| 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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