Capitalsouth Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Capitalsouth Bank 2007 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 | Capitalsouth Bank 2340 Woodcrest Place Birmingham, AL 35209 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 286 |
| Total Mortgage Loan Application Amount | $62,209,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $4,343,000 |
| Average Applicant Income | $84,333 |
| Highest Applicant Income | $879,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Capitalsouth Bank. 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 Capitalsouth Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Capitalsouth Bank'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 Capitalsouth Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Capitalsouth Bank, 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 Capitalsouth Bank's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Alabama | 19 | $ 2,488,000 | $ 130,000 | $ 92,000 |
| Jefferson County Alabama | 15 | $ 9,681,000 | $ 645,000 | $ 29,000 |
| Hillsborough County Florida | 14 | $ 2,737,000 | $ 195,000 | $ 115,000 |
| Madison County Alabama | 12 | $ 999,000 | $ 83,000 | $ 173,000 |
| Marion County Florida | 10 | $ 1,476,000 | $ 147,000 | $ 89,000 |
| Duval County Florida | 8 | $ 2,428,000 | $ 303,000 | $ 140,000 |
| Palm Beach County Florida | 7 | $ 1,664,000 | $ 237,000 | $ 129,000 |
| Gwinnett County Georgia | 6 | $ 1,082,000 | $ 180,000 | $ 156,000 |
| Pinellas County Florida | 4 | $ 702,000 | $ 175,000 | $ 105,000 |
| St. Lucie County Florida | 4 | $ 733,000 | $ 183,000 | $ 148,000 |
| Volusia County Florida | 4 | $ 570,000 | $ 142,000 | $ 37,000 |
| Coweta County Georgia | 4 | $ 578,000 | $ 144,000 | $ 115,000 |
| Cook County Illinois | 4 | $ 728,000 | $ 182,000 | $ 128,000 |
| Maricopa County Arizona | 3 | $ 751,000 | $ 250,000 | $ 51,000 |
| Brevard County Florida | 3 | $ 389,000 | $ 129,000 | $ 65,000 |
| Broward County Florida | 3 | $ 792,000 | $ 264,000 | $ 149,000 |
| Lee County Florida | 3 | $ 565,000 | $ 188,000 | $ 405,000 |
| Seminole County Florida | 3 | $ 800,000 | $ 266,000 | $ 151,000 |
| Walton County Florida | 3 | $ 995,000 | $ 331,000 | $ 276,000 |
| Cobb County Georgia | 3 | $ 299,000 | $ 99,000 | $ 54,000 |
| DeKalb County Georgia | 3 | $ 561,000 | $ 187,000 | $ 72,000 |
| Fulton County Georgia | 3 | $ 464,000 | $ 154,000 | $ 71,000 |
| Lumpkin County Georgia | 3 | $ 400,000 | $ 133,000 | $ 90,000 |
| Oakland County Michigan | 3 | $ 568,000 | $ 189,000 | $ 222,000 |
| Mecklenburg County North Carolina | 3 | $ 650,000 | $ 216,000 | $ 47,000 |
| Union County North Carolina | 3 | $ 1,539,000 | $ 513,000 | $ 219,000 |
| Baldwin County Alabama | 2 | $ 565,000 | $ 282,000 | $ 199,000 |
| Shelby County Alabama | 2 | $ 297,000 | $ 148,000 | $ 75,000 |
| Navajo County Arizona | 2 | $ 293,000 | $ 146,000 | $ 94,000 |
| Los Angeles County California | 2 | $ 632,000 | $ 316,000 | $ 180,000 |
| Tolland County Connecticut | 2 | $ 525,000 | $ 262,000 | $ 261,000 |
| Bay County Florida | 2 | $ 682,000 | $ 341,000 | $ 69,000 |
| Orange County Florida | 2 | $ 414,000 | $ 207,000 | $ 103,000 |
| Santa Rosa County Florida | 2 | $ 1,560,000 | $ 780,000 | $ 870,000 |
| Chatham County Georgia | 2 | $ 336,000 | $ 168,000 | $ 114,000 |
| Henry County Georgia | 2 | $ 318,000 | $ 159,000 | $ 63,000 |
| Walton County Georgia | 2 | $ 132,000 | $ 66,000 | $ 30,000 |
| Hamilton County Indiana | 2 | $ 451,000 | $ 225,000 | $ 150,000 |
| Worcester County Massachusetts | 2 | $ 370,000 | $ 185,000 | $ 21,000 |
| DeSoto County Mississippi | 2 | $ 129,000 | $ 64,000 | $ 70,000 |
| Cape Girardeau County Missouri | 2 | $ 243,000 | $ 121,000 | $ 110,000 |
| St. Charles County Missouri | 2 | $ 388,000 | $ 194,000 | $ 49,000 |
| Belknap County New Hampshire | 2 | $ 514,000 | $ 257,000 | $ 295,000 |
| Buncombe County North Carolina | 2 | $ 379,000 | $ 189,000 | $ 83,000 |
| Henderson County North Carolina | 2 | $ 344,000 | $ 172,000 | $ 154,000 |
| Wake County North Carolina | 2 | $ 458,000 | $ 229,000 | $ 208,000 |
| Allegheny County Pennsylvania | 2 | $ 191,000 | $ 95,000 | $ 55,000 |
| Salt Lake County Utah | 2 | $ 606,000 | $ 303,000 | $ 133,000 |
| Chesapeake County Virginia | 2 | $ 549,000 | $ 274,000 | $ 59,000 |
| Chesterfield County Virginia | 2 | $ 344,000 | $ 172,000 | $ 148,000 |
| King County Washington | 2 | $ 513,000 | $ 256,000 | $ 208,000 |
| Calhoun County Alabama | 1 | $ 96,000 | $ 96,000 | $ 50,000 |
| DeKalb County Alabama | 1 | $ 142,000 | $ 142,000 | $ 70,000 |
| Elmore County Alabama | 1 | $ 351,000 | $ 351,000 | $ 0 |
| Etowah County Alabama | 1 | $ 100,000 | $ 100,000 | $ 22,000 |
| Marshall County Alabama | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Mobile County Alabama | 1 | $ 316,000 | $ 316,000 | $ 194,000 |
| Winston County Alabama | 1 | $ 32,000 | $ 32,000 | $ 38,000 |
| Juneau County Alaska | 1 | $ 259,000 | $ 259,000 | $ 58,000 |
| Fresno County California | 1 | $ 295,000 | $ 295,000 | $ 0 |
| San Francisco County California | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Boulder County Colorado | 1 | $ 157,000 | $ 157,000 | $ 47,000 |
| Clear Creek County Colorado | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Denver County Colorado | 1 | $ 224,000 | $ 224,000 | $ 88,000 |
| Fremont County Colorado | 1 | $ 319,000 | $ 319,000 | $ 110,000 |
| Baker County Florida | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Clay County Florida | 1 | $ 204,000 | $ 204,000 | $ 78,000 |
| Flagler County Florida | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Gulf County Florida | 1 | $ 416,000 | $ 416,000 | $ 335,000 |
| Okaloosa County Florida | 1 | $ 224,000 | $ 224,000 | $ 576,000 |
| Osceola County Florida | 1 | $ 157,000 | $ 157,000 | $ 55,000 |
| Pasco County Florida | 1 | $ 356,000 | $ 356,000 | $ 260,000 |
| Polk County Florida | 1 | $ 225,000 | $ 225,000 | $ 35,000 |
| Putnam County Florida | 1 | $ 373,000 | $ 373,000 | $ 176,000 |
| St. Johns County Florida | 1 | $ 417,000 | $ 417,000 | $ 155,000 |
| Barrow County Georgia | 1 | $ 134,000 | $ 134,000 | $ 28,000 |
| Ben Hill County Georgia | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Bibb County Georgia | 1 | $ 211,000 | $ 211,000 | $ 110,000 |
| Catoosa County Georgia | 1 | $ 30,000 | $ 30,000 | $ 62,000 |
| Cherokee County Georgia | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Effingham County Georgia | 1 | $ 178,000 | $ 178,000 | $ 59,000 |
| Jackson County Georgia | 1 | $ 188,000 | $ 188,000 | $ 100,000 |
| Paulding County Georgia | 1 | $ 57,000 | $ 57,000 | $ 80,000 |
| Rockdale County Georgia | 1 | $ 250,000 | $ 250,000 | $ 116,000 |
| Thomas County Georgia | 1 | $ 309,000 | $ 309,000 | $ 115,000 |
| McLean County Illinois | 1 | $ 112,000 | $ 112,000 | $ 65,000 |
| Tippecanoe County Indiana | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Jefferson County Louisiana | 1 | $ 188,000 | $ 188,000 | $ 67,000 |
| Ouachita County Louisiana | 1 | $ 237,000 | $ 237,000 | $ 84,000 |
| St. Tammany County Louisiana | 1 | $ 240,000 | $ 240,000 | $ 81,000 |
| Hampshire County Massachusetts | 1 | $ 175,000 | $ 175,000 | $ 134,000 |
| Chippewa County Michigan | 1 | $ 87,000 | $ 87,000 | $ 16,000 |
| Macomb County Michigan | 1 | $ 52,000 | $ 52,000 | $ 77,000 |
| Hinds County Mississippi | 1 | $ 77,000 | $ 77,000 | $ 207,000 |
| Lowndes County Mississippi | 1 | $ 62,000 | $ 62,000 | $ 216,000 |
| Rankin County Mississippi | 1 | $ 142,000 | $ 142,000 | $ 425,000 |
| St. Louis County Missouri | 1 | $ 163,000 | $ 163,000 | $ 75,000 |
| Washoe County Nevada | 1 | $ 220,000 | $ 220,000 | $ 62,000 |
| Grafton County New Hampshire | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Durham County North Carolina | 1 | $ 223,000 | $ 223,000 | $ 91,000 |
| Haywood County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Johnston County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 117,000 |
| Madison County North Carolina | 1 | $ 340,000 | $ 340,000 | $ 119,000 |
| Moore County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| Butler County Ohio | 1 | $ 188,000 | $ 188,000 | $ 90,000 |
| Fairfield County Ohio | 1 | $ 158,000 | $ 158,000 | $ 50,000 |
| Miami County Ohio | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Warren County Ohio | 1 | $ 131,000 | $ 131,000 | $ 70,000 |
| Montgomery County Pennsylvania | 1 | $ 173,000 | $ 173,000 | $ 86,000 |
| Northampton County Pennsylvania | 1 | $ 301,000 | $ 301,000 | $ 108,000 |
| Bristol County Rhode Island | 1 | $ 249,000 | $ 249,000 | $ 95,000 |
| Aiken County South Carolina | 1 | $ 59,000 | $ 59,000 | $ 81,000 |
| Anderson County South Carolina | 1 | $ 104,000 | $ 104,000 | $ 44,000 |
| Beaufort County South Carolina | 1 | $ 280,000 | $ 280,000 | $ 157,000 |
| Charleston County South Carolina | 1 | $ 269,000 | $ 269,000 | $ 89,000 |
| Greenville County South Carolina | 1 | $ 43,000 | $ 43,000 | $ 90,000 |
| Lexington County South Carolina | 1 | $ 62,000 | $ 62,000 | $ 119,000 |
| York County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Pennington County South Dakota | 1 | $ 352,000 | $ 352,000 | $ 129,000 |
| Hamilton County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| Hawkins County Tennessee | 1 | $ 142,000 | $ 142,000 | $ 76,000 |
| Knox County Tennessee | 1 | $ 97,000 | $ 97,000 | $ 93,000 |
| Rhea County Tennessee | 1 | $ 182,000 | $ 182,000 | $ 53,000 |
| Sevier County Tennessee | 1 | $ 240,000 | $ 240,000 | $ 200,000 |
| Bexar County Texas | 1 | $ 275,000 | $ 275,000 | $ 140,000 |
| Cameron County Texas | 1 | $ 130,000 | $ 130,000 | $ 430,000 |
| Dallas County Texas | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| Fort Bend County Texas | 1 | $ 160,000 | $ 160,000 | $ 144,000 |
| Harris County Texas | 1 | $ 264,000 | $ 264,000 | $ 96,000 |
| Floyd County Virginia | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Galax County Virginia | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Manassas Park County Virginia | 1 | $ 242,000 | $ 242,000 | $ 43,000 |
| Newport News County Virginia | 1 | $ 123,000 | $ 123,000 | $ 35,000 |
| Norfolk County Virginia | 1 | $ 106,000 | $ 106,000 | $ 70,000 |
| Spotsylvania County Virginia | 1 | $ 96,000 | $ 96,000 | $ 144,000 |
| Brown County Wisconsin | 1 | $ 117,000 | $ 117,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Capitalsouth Bank in 2007
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 | 158 | $33,487,000 | $211,000 | $3,100,000 | $114,000 | $576,000 |
| Refinancing | 126 | $28,644,000 | $227,000 | $4,343,000 | $120,000 | $879,000 |
| Home Improvement | 2 | $78,000 | $39,000 | $46,000 | $19,000 | $38,000 |
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 | 216 | $41,705,000 | $193,000 | $800,000 | $134,000 | $879,000 |
| Not applicable | 30 | $12,958,000 | $431,000 | $4,343,000 | $0 | $0 |
| Black or African American | 18 | $3,257,000 | $180,000 | $417,000 | $125,000 | $335,000 |
| Hispanic | 9 | $1,372,000 | $152,000 | $315,000 | $80,000 | $144,000 |
| Asian | 6 | $1,480,000 | $246,000 | $417,000 | $77,000 | $180,000 |
| Not Provided | 4 | $702,000 | $175,000 | $380,000 | $137,000 | $208,000 |
| American Indian or Alaskan Native | 2 | $485,000 | $242,000 | $309,000 | $93,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $250,000 | $250,000 | $250,000 | $116,000 | $116,000 |
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) | 286 | $62,209,000 | $217,000 | $4,343,000 | $116,000 | $879,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 Purchased By The Institution | 222 | $42,618,000 | $191,000 | $680,000 | $117,000 | $576,000 |
| Loan Originated | 61 | $19,163,000 | $314,000 | $4,343,000 | $111,000 | $879,000 |
| Application Withdrawn By Applicant | 3 | $428,000 | $142,000 | $148,000 | $191,000 | $192,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial 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 |
|---|---|---|---|---|---|---|
| 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 Capitalsouth Bank's 2007 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 Capitalsouth 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.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.