Collateral Real Estate Capital Mortgage Lending & HMDA Data, 2003
In 2003, Collateral Real Estate Capital of Birmingham, AL reported 144 mortgage applications totaling $681.1 million. The average application was for $4,729,812, and applicants reported an average income of $0. 96% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Wichita, KS (9), Milwaukee-Waukesha, WI (7) and Charleston-North Charleston, SC (6) (applications in parentheses).
| Mortgage Company & Address | Collateral Real Estate Capital 1900 Crestwood Boulevard Birmingham, AL 35210 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 144 |
| Total Mortgage Loan Application Amount | $681,093,000 |
| Average Mortgage Loan Application Amount | $4,729,812 |
| Highest Mortgage Loan Application Amount | $35,350,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Collateral Real Estate Capital filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wichita, KS | 9 | $ 13,911,000 | $ 1,545,666 | $ 0 |
| Milwaukee-Waukesha, WI | 7 | $ 24,518,000 | $ 3,502,571 | $ 0 |
| Charleston-North Charleston, SC | 6 | $ 29,191,000 | $ 4,865,166 | $ 0 |
| Las Vegas, NV-AZ | 5 | $ 21,717,000 | $ 4,343,400 | $ 0 |
| Madison, WI | 5 | $ 32,260,000 | $ 6,452,000 | $ 0 |
| Birmingham, AL | 4 | $ 44,247,000 | $ 11,061,750 | $ 0 |
| Jacksonville, FL | 4 | $ 18,440,000 | $ 4,610,000 | $ 0 |
| Mobile, AL | 4 | $ 14,219,000 | $ 3,554,750 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 18,195,000 | $ 4,548,750 | $ 0 |
| Atlanta, GA | 3 | $ 17,055,000 | $ 5,685,000 | $ 0 |
| Dallas, TX | 3 | $ 12,145,000 | $ 4,048,333 | $ 0 |
| Fort Lauderdale, FL | 3 | $ 18,000,000 | $ 6,000,000 | $ 0 |
| Minneapolis-St. Paul, MN-WI | 3 | $ 21,435,000 | $ 7,145,000 | $ 0 |
| Tuscaloosa, AL | 3 | $ 10,354,000 | $ 3,451,333 | $ 0 |
| Baton Rouge, LA | 2 | $ 10,760,000 | $ 5,380,000 | $ 0 |
| Columbus, OH | 2 | $ 9,850,000 | $ 4,925,000 | $ 0 |
| Green Bay, WI | 2 | $ 5,772,000 | $ 2,886,000 | $ 0 |
| Greenville-Spartanburg-Anderson, SC | 2 | $ 6,960,000 | $ 3,480,000 | $ 0 |
| Houston, TX | 2 | $ 14,790,000 | $ 7,395,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 2,750,000 | $ 1,375,000 | $ 0 |
| Little Rock-North Little Rock, AR | 2 | $ 5,700,000 | $ 2,850,000 | $ 0 |
| Oakland, CA | 2 | $ 22,370,000 | $ 11,185,000 | $ 0 |
| Orange County, CA | 2 | $ 18,025,000 | $ 9,012,500 | $ 0 |
| Portland-Vancouver, OR-WA | 2 | $ 14,642,000 | $ 7,321,000 | $ 0 |
| Rapid City, SD | 2 | $ 8,450,000 | $ 4,225,000 | $ 0 |
| Albuquerque, NM | 1 | $ 3,200,000 | $ 3,200,000 | $ 0 |
| Alexandria, LA | 1 | $ 5,600,000 | $ 5,600,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 1,325,000 | $ 1,325,000 | $ 0 |
| Cleveland-Lorain-Elyria, OH | 1 | $ 3,400,000 | $ 3,400,000 | $ 0 |
| Dayton-Springfield, OH | 1 | $ 2,064,000 | $ 2,064,000 | $ 0 |
| Des Moines, IA | 1 | $ 3,800,000 | $ 3,800,000 | $ 0 |
| El Paso, TX | 1 | $ 7,950,000 | $ 7,950,000 | $ 0 |
| Evansville-Henderson, IN-KY | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Fargo-Moorhead, ND-MN | 1 | $ 3,775,000 | $ 3,775,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Huntsville, AL | 1 | $ 15,050,000 | $ 15,050,000 | $ 0 |
| Jackson, MS | 1 | $ 2,990,000 | $ 2,990,000 | $ 0 |
| Johnson City-Kingsport-Bristol, TN-VA | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Joplin, MO | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Lafayette, LA | 1 | $ 6,480,000 | $ 6,480,000 | $ 0 |
| Macon, GA | 1 | $ 5,500,000 | $ 5,500,000 | $ 0 |
| Miami, FL | 1 | $ 18,585,000 | $ 18,585,000 | $ 0 |
| Montgomery, AL | 1 | $ 6,710,000 | $ 6,710,000 | $ 0 |
| Nashville, TN | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Orlando, FL | 1 | $ 10,300,000 | $ 10,300,000 | $ 0 |
| Richland-Kennewick-Pasco, WA | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Riverside-San Bernardino, CA | 1 | $ 14,250,000 | $ 14,250,000 | $ 0 |
| Roanoke, VA | 1 | $ 5,630,000 | $ 5,630,000 | $ 0 |
| Rochester, MN | 1 | $ 6,600,000 | $ 6,600,000 | $ 0 |
| Salt Lake City-Ogden, UT | 1 | $ 2,525,000 | $ 2,525,000 | $ 0 |
| San Diego, CA | 1 | $ 8,900,000 | $ 8,900,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 5,850,000 | $ 5,850,000 | $ 0 |
| St. Cloud, MN | 1 | $ 4,425,000 | $ 4,425,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 4,280,000 | $ 4,280,000 | $ 0 |
| Tucson, AZ | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Tyler, TX | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Ventura, CA | 1 | $ 10,000,000 | $ 10,000,000 | $ 0 |
Mortgage Loan Application Detail Totals for Collateral Real Estate Capital in 2003
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 |
|---|---|---|---|---|---|---|
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 144 | $681,093,000 | $4,060,821 | $35,350,000 | $0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Purchase (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 144 | $681,093,000 | $4,060,821 | $35,350,000 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 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) | 118 | $590,163,000 | $4,044,964 | $35,350,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 26 | $90,930,000 | $6,359,428 | $26,439,000 | $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 Originated | 138 | $639,224,000 | $4,018,964 | $35,350,000 | $0 | $0 |
| Application Withdrawn By Applicant | 6 | $41,869,000 | $5,772,250 | $18,585,000 | $0 | $0 |
| 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 |
| 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 Collateral Real Estate Capital's 2003 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 Collateral Real Estate Capital'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.
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