Banktrust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Banktrust 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Banktrust 107 St Francis Street Mobile, AL 36602 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 782 |
| Total Mortgage Loan Application Amount | $77,461,000 |
| Average Mortgage Loan Application Amount | $93,666 |
| Highest Mortgage Loan Application Amount | $2,537,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $2,260,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Banktrust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Banktrust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Banktrust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Banktrust serves its applicants.
Each category highlights the total number of mortgage applications processed by Banktrust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Banktrust's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mobile County Alabama | 84 | $ 13,028,000 | $ 155,000 | $ 76,000 |
| Marengo County Alabama | 80 | $ 6,877,000 | $ 85,000 | $ 66,000 |
| Dallas County Alabama | 73 | $ 2,795,000 | $ 38,000 | $ 72,000 |
| Butler County Alabama | 71 | $ 2,235,000 | $ 31,000 | $ 49,000 |
| Escambia County Alabama | 56 | $ 3,787,000 | $ 67,000 | $ 70,000 |
| Lee County Alabama | 55 | $ 6,035,000 | $ 109,000 | $ 31,000 |
| Baldwin County Alabama | 40 | $ 7,155,000 | $ 178,000 | $ 105,000 |
| Autauga County Alabama | 37 | $ 2,192,000 | $ 59,000 | $ 47,000 |
| Monroe County Alabama | 34 | $ 1,258,000 | $ 37,000 | $ 47,000 |
| Elmore County Alabama | 33 | $ 3,381,000 | $ 102,000 | $ 53,000 |
| Montgomery County Alabama | 33 | $ 4,891,000 | $ 148,000 | $ 150,000 |
| Walton County Florida | 21 | $ 7,840,000 | $ 373,000 | $ 44,000 |
| Bay County Florida | 19 | $ 3,218,000 | $ 169,000 | $ 213,000 |
| Barbour County Alabama | 18 | $ 1,261,000 | $ 70,000 | $ 66,000 |
| Tallapoosa County Alabama | 14 | $ 1,931,000 | $ 137,000 | $ 44,000 |
| Greene County Alabama | 12 | $ 336,000 | $ 28,000 | $ 37,000 |
| Bibb County Alabama | 9 | $ 534,000 | $ 59,000 | $ 64,000 |
| Hale County Alabama | 9 | $ 283,000 | $ 31,000 | $ 52,000 |
| Conecuh County Alabama | 8 | $ 135,000 | $ 16,000 | $ 32,000 |
| Shelby County Alabama | 8 | $ 532,000 | $ 66,000 | $ 65,000 |
| Covington County Alabama | 7 | $ 199,000 | $ 28,000 | $ 40,000 |
| Okaloosa County Florida | 7 | $ 1,668,000 | $ 238,000 | $ 191,000 |
| Jefferson County Alabama | 5 | $ 857,000 | $ 171,000 | $ 54,000 |
| Tuscaloosa County Alabama | 5 | $ 1,269,000 | $ 253,000 | $ 268,000 |
| Chilton County Alabama | 4 | $ 66,000 | $ 16,000 | $ 39,000 |
| Crenshaw County Alabama | 4 | $ 171,000 | $ 42,000 | $ 37,000 |
| Lowndes County Alabama | 4 | $ 214,000 | $ 53,000 | $ 64,000 |
| Wilcox County Alabama | 4 | $ 58,000 | $ 14,000 | $ 58,000 |
| Macon County Alabama | 3 | $ 10,000 | $ 3,000 | $ 29,000 |
| Sumter County Alabama | 3 | $ 511,000 | $ 170,000 | $ 101,000 |
| Escambia County Florida | 3 | $ 399,000 | $ 133,000 | $ 178,000 |
| Quitman County Georgia | 3 | $ 64,000 | $ 21,000 | $ 16,000 |
| Henry County Alabama | 2 | $ 221,000 | $ 110,000 | $ 53,000 |
| Perry County Alabama | 2 | $ 65,000 | $ 32,000 | $ 66,000 |
| Washington County Florida | 2 | $ 358,000 | $ 179,000 | $ 59,000 |
| Bullock County Alabama | 1 | $ 10,000 | $ 10,000 | $ 19,000 |
| Chambers County Alabama | 1 | $ 94,000 | $ 94,000 | $ 30,000 |
| Houston County Alabama | 1 | $ 53,000 | $ 53,000 | $ 240,000 |
| Russell County Alabama | 1 | $ 427,000 | $ 427,000 | $ 111,000 |
| Talladega County Alabama | 1 | $ 211,000 | $ 211,000 | $ 93,000 |
| Clay County Florida | 1 | $ 300,000 | $ 300,000 | $ 115,000 |
| Santa Rosa County Florida | 1 | $ 39,000 | $ 39,000 | $ 33,000 |
| Fulton County Georgia | 1 | $ 129,000 | $ 129,000 | $ 129,000 |
| Muscogee County Georgia | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Burlington County New Jersey | 1 | $ 314,000 | $ 314,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Banktrust in 2012
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 | 349 | $59,276,000 | $169,000 | $2,537,000 | $84,000 | $2,260,000 |
| Home Improvement | 288 | $3,660,000 | $12,000 | $350,000 | $50,000 | $263,000 |
| Home Purchase | 145 | $14,525,000 | $100,000 | $1,000,000 | $82,000 | $1,127,000 |
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 | 481 | $44,178,000 | $91,000 | $1,200,000 | $94,000 | $2,260,000 |
| Black or African American | 168 | $5,089,000 | $30,000 | $402,000 | $46,000 | $414,000 |
| Not applicable | 113 | $25,508,000 | $225,000 | $2,537,000 | $0 | $0 |
| Not Provided | 10 | $2,271,000 | $227,000 | $1,000,000 | $198,000 | $1,127,000 |
| Hispanic | 7 | $257,000 | $36,000 | $88,000 | $57,000 | $111,000 |
| Asian | 2 | $155,000 | $77,000 | $95,000 | $34,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $29,000 | $29,000 |
| 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) | 749 | $72,438,000 | $96,000 | $2,537,000 | $72,000 | $2,260,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,130,000 | $142,000 | $239,000 | $60,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,272,000 | $115,000 | $169,000 | $40,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,621,000 | $231,000 | $314,000 | $84,000 | $115,000 |
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 | 531 | $50,378,000 | $94,000 | $2,537,000 | $69,000 | $2,260,000 |
| Application Denied By Financial Institution | 173 | $15,615,000 | $90,000 | $863,000 | $51,000 | $288,000 |
| Application Withdrawn By Applicant | 69 | $10,266,000 | $148,000 | $1,200,000 | $130,000 | $1,557,000 |
| File Closed For Incompleteness | 9 | $1,202,000 | $133,000 | $250,000 | $100,000 | $199,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 95 | $5,494,000 | $57,000 | $417,000 | $44,000 | $195,000 |
| Debt-To-Income Ratio | 34 | $3,281,000 | $96,000 | $350,000 | $50,000 | $205,000 |
| Collateral | 20 | $2,794,000 | $139,000 | $307,000 | $71,000 | $261,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,994,000 | $199,000 | $863,000 | $69,000 | $288,000 |
| Other | 9 | $826,000 | $91,000 | $346,000 | $43,000 | $120,000 |
| Employment History | 2 | $228,000 | $114,000 | $128,000 | $70,000 | $107,000 |
| Credit Application Incomplete | 1 | $391,000 | $391,000 | $391,000 | $61,000 | $61,000 |
| Unverifiable Information | 1 | $342,000 | $342,000 | $342,000 | $144,000 | $144,000 |
| Mortgage Insurance Denied | 1 | $265,000 | $265,000 | $265,000 | $162,000 | $162,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Banktrust's 2012 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 Banktrust'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.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.