Amsouth Bank Mortgage Lending & HMDA Data, 2005
In 2005, Amsouth Bank of Birmingham, AL reported 45,934 mortgage applications totaling $6.8 billion, down 4% from 2004. The average application was for $148,244, and applicants reported an average income of $92,444. 56% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Nashville-Davidson--Murfreesboro, TN (4,068), Tampa-St. Petersburg-Clearwater, FL (3,437) and Birmingham-Hoover, AL (2,630) (applications in parentheses).
| Mortgage Company & Address | Amsouth Bank P.O. Box 11007 - Ac-10 Birmingham, AL 35288 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 45,934 |
| Total Mortgage Loan Application Amount | $6,809,450,000 |
| Average Mortgage Loan Application Amount | $148,244 |
| Highest Mortgage Loan Application Amount | $7,563,000 |
| Average Applicant Income | $92,444 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Amsouth Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro, TN | 4,068 | $ 527,542,000 | $ 129,680 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3,437 | $ 659,617,000 | $ 191,916 | $ 104,000 |
| Birmingham-Hoover, AL | 2,630 | $ 326,558,000 | $ 124,166 | $ 74,000 |
| Jackson, MS | 1,609 | $ 164,412,000 | $ 102,182 | $ 86,000 |
| Chattanooga, TN-GA | 1,457 | $ 153,794,000 | $ 105,555 | $ 71,000 |
| Mobile, AL | 1,410 | $ 130,253,000 | $ 92,378 | $ 102,000 |
| Orlando, FL | 1,340 | $ 355,350,000 | $ 265,186 | $ 119,000 |
| Knoxville, TN | 1,238 | $ 143,264,000 | $ 115,722 | $ 75,000 |
| Huntsville, AL | 1,141 | $ 130,799,000 | $ 114,635 | $ 100,000 |
| Shreveport-Bossier City, LA | 1,023 | $ 87,440,000 | $ 85,474 | $ 71,000 |
| New Orleans-Metairie-Kenner, LA | 961 | $ 178,191,000 | $ 185,422 | $ 102,000 |
| Pensacola-Ferry Pass-Brent, FL | 937 | $ 159,296,000 | $ 170,006 | $ 86,000 |
| Jacksonville, FL | 919 | $ 273,467,000 | $ 297,570 | $ 129,000 |
| Memphis, TN-MS-AR | 912 | $ 79,302,000 | $ 86,953 | $ 124,000 |
| Ocala, FL | 896 | $ 130,055,000 | $ 145,150 | $ 81,000 |
| Kingsport-Bristol-Bristol, TN-VA | 859 | $ 64,821,000 | $ 75,461 | $ 62,000 |
| Naples-Marco Island, FL | 768 | $ 554,264,000 | $ 721,697 | $ 203,000 |
| Montgomery, AL | 755 | $ 66,773,000 | $ 88,441 | $ 89,000 |
| Cape Coral-Fort Myers, FL | 727 | $ 233,549,000 | $ 321,250 | $ 145,000 |
| Clarksville, TN-KY | 624 | $ 47,855,000 | $ 76,690 | $ 65,000 |
| Tuscaloosa, AL | 608 | $ 59,333,000 | $ 97,587 | $ 96,000 |
| Johnson City, TN | 535 | $ 44,234,000 | $ 82,680 | $ 61,000 |
| Sarasota-Bradenton-Venice, FL | 519 | $ 150,624,000 | $ 290,219 | $ 106,000 |
| Palm Bay-Melbourne-Titusville, FL | 455 | $ 92,128,000 | $ 202,479 | $ 92,000 |
| Cleveland, TN | 420 | $ 36,752,000 | $ 87,504 | $ 61,000 |
| Anniston-Oxford, AL | 357 | $ 25,621,000 | $ 71,767 | $ 64,000 |
| Baton Rouge, LA | 337 | $ 39,604,000 | $ 117,519 | $ 97,000 |
| Panama City-Lynn Haven, FL | 335 | $ 71,265,000 | $ 212,731 | $ 119,000 |
| Fort Walton Beach-Crestview-Destin, FL | 319 | $ 90,541,000 | $ 283,827 | $ 220,000 |
| Jackson, TN | 317 | $ 21,527,000 | $ 67,908 | $ 52,000 |
| Tallahassee, FL | 313 | $ 43,657,000 | $ 139,479 | $ 79,000 |
| Decatur, AL | 311 | $ 27,467,000 | $ 88,318 | $ 61,000 |
| Dothan, AL | 283 | $ 32,216,000 | $ 113,837 | $ 64,000 |
| Punta Gorda, FL | 265 | $ 64,860,000 | $ 244,754 | $ 103,000 |
| Monroe, LA | 260 | $ 23,635,000 | $ 90,903 | $ 92,000 |
| Florence-Muscle Shoals, AL | 221 | $ 19,206,000 | $ 86,904 | $ 68,000 |
| Gadsden, AL | 216 | $ 15,878,000 | $ 73,509 | $ 67,000 |
| Hattiesburg, MS | 182 | $ 16,481,000 | $ 90,554 | $ 77,000 |
| Lakeland, FL | 181 | $ 21,842,000 | $ 120,674 | $ 82,000 |
| Rome, GA | 165 | $ 14,609,000 | $ 88,539 | $ 96,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 138 | $ 27,461,000 | $ 198,992 | $ 100,000 |
| Auburn-Opelika, AL | 116 | $ 15,744,000 | $ 135,724 | $ 85,000 |
| Morristown, TN | 102 | $ 7,691,000 | $ 75,401 | $ 53,000 |
| Gulfport-Biloxi, MS | 101 | $ 13,419,000 | $ 132,861 | $ 119,000 |
| Atlanta-Sandy Springs-Marietta, GA | 86 | $ 18,106,000 | $ 210,534 | $ 121,000 |
| Dalton, GA | 54 | $ 7,982,000 | $ 147,814 | $ 166,000 |
| Gainesville, FL | 50 | $ 7,637,000 | $ 152,740 | $ 107,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 37 | $ 13,591,000 | $ 367,324 | $ 203,000 |
| Pascagoula, MS | 36 | $ 3,696,000 | $ 102,666 | $ 78,000 |
| Port St. Lucie-Fort Pierce, FL | 25 | $ 7,956,000 | $ 318,240 | $ 132,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 22 | $ 11,664,000 | $ 530,181 | $ 280,000 |
| Vero Beach, FL | 20 | $ 7,442,000 | $ 372,100 | $ 193,000 |
| Miami-Miami Beach-Kendall, FL | 19 | $ 9,306,000 | $ 489,789 | $ 380,000 |
| Charlotte-Gastonia-Concord, NC-SC | 9 | $ 1,790,000 | $ 198,888 | $ 117,000 |
| Houma-Bayou Cane-Thibodaux, LA | 8 | $ 722,000 | $ 90,250 | $ 108,000 |
| Lafayette, LA | 8 | $ 1,457,000 | $ 182,125 | $ 123,000 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 1,329,000 | $ 265,800 | $ 309,000 |
| Asheville, NC | 4 | $ 1,632,000 | $ 408,000 | $ 177,000 |
| Athens-Clarke County, GA | 4 | $ 363,000 | $ 90,750 | $ 255,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 197,000 | $ 49,250 | $ 35,000 |
| Charleston-North Charleston, SC | 4 | $ 4,271,000 | $ 1,067,750 | $ 546,000 |
| Savannah, GA | 4 | $ 2,234,000 | $ 558,500 | $ 231,000 |
| Columbus, GA-AL | 3 | $ 521,000 | $ 173,666 | $ 119,000 |
| Boulder, CO | 2 | $ 595,000 | $ 297,500 | $ 202,000 |
| Brunswick, GA | 2 | $ 2,996,000 | $ 1,498,000 | $ 2,300,000 |
| Fort Smith, AR-OK | 2 | $ 48,000 | $ 24,000 | $ 46,000 |
| Fort Worth-Arlington, TX | 2 | $ 438,000 | $ 219,000 | $ 318,000 |
| Jacksonville, NC | 2 | $ 32,000 | $ 16,000 | $ 35,000 |
| Lake Charles, LA | 2 | $ 48,000 | $ 24,000 | $ 48,000 |
| Macon, GA | 2 | $ 269,000 | $ 134,500 | $ 37,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 259,000 | $ 129,500 | $ 223,000 |
| Raleigh-Cary, NC | 2 | $ 463,000 | $ 231,500 | $ 559,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,014,000 | $ 507,000 | $ 0 |
| Albany, GA | 1 | $ 76,000 | $ 76,000 | $ 118,000 |
| Baltimore-Towson, MD | 1 | $ 1,100,000 | $ 1,100,000 | $ 7,000,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 525,000 | $ 525,000 | $ 162,000 |
| Bowling Green, KY | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 368,000 | $ 368,000 | $ 298,000 |
| Columbus, OH | 1 | $ 175,000 | $ 175,000 | $ 187,000 |
| Corpus Christi, TX | 1 | $ 750,000 | $ 750,000 | $ 371,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 11,000 | $ 11,000 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 900,000 | $ 900,000 | $ 650,000 |
| Gainesville, GA | 1 | $ 743,000 | $ 743,000 | $ 318,000 |
| Hot Springs, AR | 1 | $ 58,000 | $ 58,000 | $ 153,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 11,000 | $ 11,000 | $ 50,000 |
| Little Rock-North Little Rock, AR | 1 | $ 780,000 | $ 780,000 | $ 370,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 17,000 | $ 17,000 | $ 120,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 627,000 | $ 627,000 | $ 330,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Trenton-Ewing, NJ | 1 | $ 50,000 | $ 50,000 | $ 175,000 |
| Valdosta, GA | 1 | $ 312,000 | $ 312,000 | $ 165,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 443,000 | $ 443,000 | $ 205,000 |
| Waco, TX | 1 | $ 150,000 | $ 150,000 | $ 9,857,000 |
| Warner Robins, GA | 1 | $ 150,000 | $ 150,000 | $ 96,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 960,000 | $ 960,000 | $ 1,620,000 |
Mortgage Loan Application Detail Totals for Amsouth Bank 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 | 23,009 | $2,635,978,000 | $246,578 | $5,100,000 | $231,473 | $9,999,000 |
| Home Purchase | 16,990 | $4,031,114,000 | $409,363 | $7,563,000 | $674,454 | $9,999,000 |
| Home Improvement | 5,935 | $142,358,000 | $17,500 | $1,150,000 | $62,071 | $9,602,000 |
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 | 37,714 | $5,946,543,000 | $256,045 | $7,563,000 | $249,272 | $9,999,000 |
| Black or African American | 5,061 | $380,679,000 | $181,466 | $4,325,000 | $601,466 | $7,248,000 |
| Hispanic | 1,235 | $187,283,000 | $179,000 | $2,200,000 | $84,700 | $4,798,000 |
| Asian | 764 | $151,736,000 | $265,555 | $4,250,000 | $474,666 | $3,381,000 |
| Not Provided | 617 | $75,654,000 | $102,285 | $1,432,000 | $91,714 | $2,900,000 |
| Not applicable | 327 | $43,863,000 | $211,625 | $1,700,000 | $221,375 | $9,999,000 |
| American Indian or Alaskan Native | 122 | $10,800,000 | $77,285 | $1,800,000 | $99,857 | $636,000 |
| Native Hawaiian or Other Pacific Islander | 94 | $12,892,000 | $132,571 | $1,000,000 | $86,714 | $890,000 |
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) | 44,624 | $6,658,746,000 | $297,846 | $7,563,000 | $529,884 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 923 | $96,504,000 | $104,375 | $229,000 | $44,625 | $614,000 |
| VA-guaranteed (Veterans Administration) | 387 | $54,200,000 | $136,555 | $360,000 | $48,111 | $385,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 25,713 | $4,537,513,000 | $409,789 | $7,563,000 | $757,842 | $9,999,000 |
| Application Denied By Financial Institution | 10,025 | $826,988,000 | $188,631 | $4,500,000 | $101,789 | $9,999,000 |
| Application Approved But Not Accepted | 5,805 | $515,011,000 | $117,818 | $2,880,000 | $116,636 | $3,000,000 |
| File Closed For Incompleteness | 2,510 | $622,772,000 | $226,600 | $4,050,000 | $237,200 | $3,485,000 |
| Preapproval Denied by Financial Institution | 1,259 | $161,807,000 | $128,000 | $6,000,000 | $44,000 | $1,440,000 |
| Preapproval Approved but not Accepted | 341 | $64,203,000 | $188,000 | $1,000,000 | $145,000 | $979,000 |
| Application Withdrawn By Applicant | 281 | $81,156,000 | $212,285 | $3,600,000 | $96,857 | $5,925,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Amsouth Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Amsouth Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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