Capitalsouth Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Capitalsouth Bank 2008 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 | 410 |
| Total Mortgage Loan Application Amount | $80,269,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $2,110,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 58 | $ 11,495,000 | $ 198,000 | $ 96,000 |
| BIRMINGHAM-HOOVER, AL | 29 | $ 7,665,000 | $ 264,000 | $ 117,000 |
| JACKSONVILLE, FL | 20 | $ 3,692,000 | $ 184,000 | $ 98,000 |
| MONTGOMERY, AL | 18 | $ 2,295,000 | $ 127,000 | $ 42,000 |
| HUNTSVILLE, AL | 11 | $ 1,122,000 | $ 102,000 | $ 97,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 10 | $ 1,595,000 | $ 159,000 | $ 74,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 9 | $ 1,723,000 | $ 211,500 | $ 134,500 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 7 | $ 1,483,000 | $ 211,000 | $ 137,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 6 | $ 925,000 | $ 154,000 | $ 66,000 |
| DENVER-AURORA, CO | 6 | $ 1,497,000 | $ 249,000 | $ 152,000 |
| PALM COAST, FL | 6 | $ 786,000 | $ 131,000 | $ 59,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 5 | $ 676,000 | $ 135,000 | $ 77,000 |
| OCALA, FL | 5 | $ 895,000 | $ 179,000 | $ 80,000 |
| ORLANDO-KISSIMMEE, FL | 5 | $ 934,000 | $ 186,000 | $ 110,000 |
| SAN ANTONIO, TX | 5 | $ 538,000 | $ 107,000 | $ 87,000 |
| CHATTANOOGA, TN-GA | 4 | $ 810,000 | $ 202,000 | $ 98,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 4 | $ 785,000 | $ 196,000 | $ 130,000 |
| PHILADELPHIA, PA | 4 | $ 863,000 | $ 215,000 | $ 157,000 |
| RALEIGH-CARY, NC | 4 | $ 701,000 | $ 175,000 | $ 114,000 |
| RICHMOND, VA | 4 | $ 1,280,000 | $ 320,000 | $ 87,000 |
| SAVANNAH, GA | 4 | $ 776,000 | $ 194,000 | $ 149,000 |
| BRADENTON-SARASOTA-VENICE, FL | 3 | $ 414,000 | $ 138,000 | $ 61,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 3 | $ 889,000 | $ 296,000 | $ 143,000 |
| COLUMBIA, SC | 3 | $ 640,000 | $ 213,000 | $ 164,000 |
| DURHAM, NC | 3 | $ 700,000 | $ 233,000 | $ 129,000 |
| FAYETTEVILLE, NC | 3 | $ 577,000 | $ 192,000 | $ 105,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 3 | $ 341,000 | $ 113,000 | $ 83,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 3 | $ 537,000 | $ 179,000 | $ 85,000 |
| LAKELAND-WINTER HAVEN, FL | 3 | $ 647,000 | $ 215,000 | $ 79,000 |
| LAS VEGAS-PARADISE, NV | 3 | $ 825,000 | $ 275,000 | $ 168,000 |
| MACON, GA | 3 | $ 474,000 | $ 158,000 | $ 63,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 3 | $ 474,000 | $ 157,500 | $ 80,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 3 | $ 367,000 | $ 122,000 | $ 81,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 782,000 | $ 260,000 | $ 91,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 3 | $ 680,000 | $ 226,000 | $ 113,000 |
| PORT ST. LUCIE, FL | 3 | $ 730,000 | $ 243,000 | $ 94,000 |
| SALT LAKE CITY, UT | 3 | $ 544,000 | $ 181,000 | $ 62,000 |
| ST. LOUIS, MO-IL | 3 | $ 431,000 | $ 127,500 | $ 78,500 |
| ASHEVILLE, NC | 2 | $ 338,000 | $ 169,000 | $ 70,000 |
| DALLAS-PLANO-IRVING, TX | 2 | $ 202,000 | $ 101,000 | $ 293,000 |
| GREENSBORO-HIGH POINT, NC | 2 | $ 259,000 | $ 129,000 | $ 48,000 |
| LAFAYETTE, IN | 2 | $ 169,000 | $ 84,000 | $ 42,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 2 | $ 408,000 | $ 204,000 | $ 117,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 2 | $ 462,000 | $ 231,000 | $ 89,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 2 | $ 435,000 | $ 217,000 | $ 87,000 |
| NAPLES-MARCO ISLAND, FL | 2 | $ 286,000 | $ 143,000 | $ 82,000 |
| OGDEN-CLEARFIELD, UT | 2 | $ 451,000 | $ 225,000 | $ 150,000 |
| PITTSBURGH, PA | 2 | $ 263,000 | $ 131,000 | $ 68,000 |
| PUNTA GORDA, FL | 2 | $ 529,000 | $ 264,000 | $ 87,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 2 | $ 719,000 | $ 359,000 | $ 151,000 |
| SCRANTON--WILKES-BARRE, PA | 2 | $ 308,000 | $ 154,000 | $ 165,000 |
| TALLAHASSEE, FL | 2 | $ 142,000 | $ 71,000 | $ 69,000 |
| ALBUQUERQUE, NM | 1 | $ 228,000 | $ 228,000 | $ 57,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 352,000 | $ 352,000 | $ 489,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 1 | $ 297,000 | $ 297,000 | $ 202,000 |
| AUSTIN-ROUND ROCK, TX | 1 | $ 120,000 | $ 120,000 | $ 79,000 |
| BATON ROUGE, LA | 1 | $ 174,000 | $ 174,000 | $ 93,000 |
| BEAUMONT-PORT ARTHUR, TX | 1 | $ 149,000 | $ 149,000 | $ 62,000 |
| BRUNSWICK, GA | 1 | $ 253,000 | $ 253,000 | $ 86,000 |
| BURLINGTON, NC | 1 | $ 97,000 | $ 97,000 | $ 89,000 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 1 | $ 134,000 | $ 134,000 | $ 35,000 |
| CHARLOTTESVILLE, VA | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 1 | $ 280,000 | $ 280,000 | $ 201,000 |
| CLEVELAND, TN | 1 | $ 217,000 | $ 217,000 | $ 160,000 |
| COLORADO SPRINGS, CO | 1 | $ 412,000 | $ 412,000 | $ 100,000 |
| DALTON, GA | 1 | $ 210,000 | $ 210,000 | $ 76,000 |
| DES MOINES-WEST DES MOINES, IA | 1 | $ 170,000 | $ 170,000 | $ 86,000 |
| DOTHAN, AL | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| EDISON-NEW BRUNSWICK, NJ | 1 | $ 220,000 | $ 220,000 | $ 0 |
| ERIE, PA | 1 | $ 216,000 | $ 216,000 | $ 252,000 |
| FLORENCE, SC | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 1 | $ 318,000 | $ 318,000 | $ 517,000 |
| FORT WAYNE, IN | 1 | $ 132,000 | $ 132,000 | $ 35,000 |
| GAINESVILLE, GA | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| HATTIESBURG, MS | 1 | $ 356,000 | $ 356,000 | $ 150,000 |
| HONOLULU, HI | 1 | $ 549,000 | $ 549,000 | $ 126,000 |
| JOHNSON CITY, TN | 1 | $ 125,000 | $ 125,000 | $ 176,000 |
| JOPLIN, MO | 1 | $ 159,000 | $ 159,000 | $ 81,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 1 | $ 269,000 | $ 269,000 | $ 109,000 |
| KNOXVILLE, TN | 1 | $ 188,000 | $ 188,000 | $ 74,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| LEBANON, PA | 1 | $ 118,000 | $ 118,000 | $ 46,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 142,000 | $ 142,000 | $ 64,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 1 | $ 104,000 | $ 104,000 | $ 53,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 1 | $ 336,000 | $ 336,000 | $ 261,000 |
| MOBILE, AL | 1 | $ 139,000 | $ 139,000 | $ 42,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 1 | $ 110,000 | $ 110,000 | $ 83,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 1 | $ 416,000 | $ 416,000 | $ 154,000 |
| PROVO-OREM, UT | 1 | $ 172,000 | $ 172,000 | $ 88,000 |
| ROANOKE, VA | 1 | $ 417,000 | $ 417,000 | $ 0 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 1 | $ 400,000 | $ 400,000 | $ 210,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 1 | $ 188,000 | $ 188,000 | $ 152,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $ 477,000 | $ 477,000 | $ 164,000 |
| ST. GEORGE, UT | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| TACOMA, WA | 1 | $ 265,000 | $ 265,000 | $ 113,000 |
| VALLEJO-FAIRFIELD, CA | 1 | $ 168,000 | $ 168,000 | $ 114,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 106,000 | $ 106,000 | $ 103,000 |
| WARNER ROBINS, GA | 1 | $ 153,000 | $ 153,000 | $ 81,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 1 | $ 136,000 | $ 136,000 | $ 38,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 1 | $ 164,000 | $ 164,000 | $ 88,000 |
| WILMINGTON, DE-MD-NJ | 1 | $ 88,000 | $ 88,000 | $ 26,000 |
| YORK-HANOVER, PA | 1 | $ 77,000 | $ 77,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Capitalsouth Bank in 2008
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 | 217 | $41,681,000 | $192,000 | $843,000 | $95,000 | $570,000 |
| Home Purchase | 191 | $38,533,000 | $201,000 | $2,110,000 | $117,000 | $1,600,000 |
| Home Improvement | 2 | $55,000 | $27,000 | $50,000 | $67,000 | $134,000 |
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 | 321 | $64,000,000 | $199,000 | $2,110,000 | $114,000 | $1,600,000 |
| Black or African American | 33 | $5,771,000 | $174,000 | $477,000 | $88,000 | $240,000 |
| Not applicable | 25 | $4,802,000 | $192,000 | $843,000 | $0 | $0 |
| Asian | 13 | $2,126,000 | $163,000 | $310,000 | $130,000 | $487,000 |
| Hispanic | 12 | $2,389,000 | $199,000 | $348,000 | $97,000 | $221,000 |
| Not Provided | 4 | $664,000 | $166,000 | $346,000 | $119,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $517,000 | $258,000 | $290,000 | $138,000 | $147,000 |
| American Indian or Alaskan Native | 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) | 410 | $80,269,000 | $195,000 | $2,110,000 | $105,000 | $1,600,000 |
| 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 | 359 | $70,960,000 | $197,000 | $566,000 | $107,000 | $1,098,000 |
| Loan Originated | 51 | $9,309,000 | $182,000 | $2,110,000 | $89,000 | $1,600,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2008 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.