BBVA USA Mortgage Lending & HMDA Data, 2012
In 2012, BBVA USA of Birmingham, AL reported 30,751 mortgage applications totaling $8.8 billion, up 23% from 2011. The average application was for $287,574, and applicants reported an average income of $167,063. 51% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (3,651), Dallas-Plano-Irving, TX (2,703) and Phoenix-Mesa-Glendale, AZ (1,972) (applications in parentheses).
| Mortgage Company & Address | BBVA USA 15 South 20th St Birmingham, AL 35233 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 30,751 |
| Total Mortgage Loan Application Amount | $8,843,209,000 |
| Average Mortgage Loan Application Amount | $287,574 |
| Highest Mortgage Loan Application Amount | $5,950,000 |
| Average Applicant Income | $167,063 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records BBVA USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 3,651 | $ 1,077,238,000 | $ 295,052 | $ 185,000 |
| Dallas-Plano-Irving, TX | 2,703 | $ 708,496,000 | $ 262,114 | $ 163,000 |
| Phoenix-Mesa-Glendale, AZ | 1,972 | $ 778,065,000 | $ 394,556 | $ 203,000 |
| Birmingham-Hoover, AL | 1,768 | $ 398,861,000 | $ 225,600 | $ 119,000 |
| Austin-Round Rock-San Marcos, TX | 1,534 | $ 462,669,000 | $ 301,609 | $ 184,000 |
| Fort Worth-Arlington, TX | 1,461 | $ 307,197,000 | $ 210,264 | $ 141,000 |
| Denver-Aurora-Broomfield, CO | 1,427 | $ 452,463,000 | $ 317,072 | $ 148,000 |
| San Antonio-New Braunfels, TX | 1,409 | $ 348,092,000 | $ 247,048 | $ 172,000 |
| McAllen-Edinburg-Mission, TX | 938 | $ 129,505,000 | $ 138,065 | $ 104,000 |
| Jacksonville, FL | 860 | $ 248,932,000 | $ 289,455 | $ 166,000 |
| Orlando-Kissimmee-Sanford, FL | 687 | $ 151,924,000 | $ 221,141 | $ 180,000 |
| San Diego-Carlsbad-San Marcos, CA | 587 | $ 415,463,000 | $ 707,773 | $ 341,000 |
| Tucson, AZ | 571 | $ 135,736,000 | $ 237,716 | $ 137,000 |
| Brownsville-Harlingen, TX | 560 | $ 71,490,000 | $ 127,660 | $ 111,000 |
| Albuquerque, NM | 491 | $ 128,343,000 | $ 261,391 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 402 | $ 102,443,000 | $ 254,833 | $ 140,000 |
| Colorado Springs, CO | 401 | $ 154,543,000 | $ 385,394 | $ 177,000 |
| Los Angeles-Long Beach-Glendale, CA | 395 | $ 349,450,000 | $ 884,683 | $ 406,000 |
| Laredo, TX | 381 | $ 50,599,000 | $ 132,805 | $ 93,000 |
| Huntsville, AL | 380 | $ 88,614,000 | $ 233,194 | $ 151,000 |
| Montgomery, AL | 351 | $ 59,171,000 | $ 168,578 | $ 100,000 |
| Mobile, AL | 347 | $ 47,137,000 | $ 135,841 | $ 89,000 |
| El Paso, TX | 333 | $ 48,710,000 | $ 146,276 | $ 89,000 |
| Killeen-Temple-Fort Hood, TX | 217 | $ 35,619,000 | $ 164,142 | $ 117,000 |
| Fort Collins-Loveland, CO | 206 | $ 54,122,000 | $ 262,728 | $ 126,000 |
| Tuscaloosa, AL | 190 | $ 49,477,000 | $ 260,405 | $ 166,000 |
| Beaumont-Port Arthur, TX | 188 | $ 33,549,000 | $ 178,452 | $ 132,000 |
| Gainesville, FL | 186 | $ 47,492,000 | $ 255,333 | $ 198,000 |
| Santa Ana-Anaheim-Irvine, CA | 184 | $ 138,871,000 | $ 754,733 | $ 344,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 175 | $ 96,116,000 | $ 549,234 | $ 346,000 |
| Corpus Christi, TX | 170 | $ 34,118,000 | $ 200,694 | $ 172,000 |
| Oakland-Fremont-Hayward, CA | 167 | $ 120,534,000 | $ 721,760 | $ 280,000 |
| San Francisco-San Mateo-Redwood City, CA | 157 | $ 132,284,000 | $ 842,573 | $ 318,000 |
| Waco, TX | 142 | $ 18,400,000 | $ 129,577 | $ 88,000 |
| Boulder, CO | 139 | $ 60,673,000 | $ 436,496 | $ 179,000 |
| Crestview-Fort Walton Beach-Destin, FL | 137 | $ 41,514,000 | $ 303,021 | $ 185,000 |
| Stockton, CA | 137 | $ 21,405,000 | $ 156,240 | $ 81,000 |
| Pensacola-Ferry Pass-Brent, FL | 129 | $ 31,051,000 | $ 240,705 | $ 183,000 |
| Dothan, AL | 126 | $ 22,178,000 | $ 176,015 | $ 115,000 |
| College Station-Bryan, TX | 123 | $ 31,713,000 | $ 257,829 | $ 201,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 122 | $ 95,710,000 | $ 784,508 | $ 270,000 |
| Gadsden, AL | 114 | $ 17,949,000 | $ 157,447 | $ 104,000 |
| Florence-Muscle Shoals, AL | 113 | $ 19,564,000 | $ 173,132 | $ 115,000 |
| Prescott, AZ | 106 | $ 26,362,000 | $ 248,698 | $ 113,000 |
| Modesto, CA | 104 | $ 19,496,000 | $ 187,461 | $ 97,000 |
| Decatur, AL | 103 | $ 14,010,000 | $ 136,019 | $ 72,000 |
| Greeley, CO | 103 | $ 24,855,000 | $ 241,310 | $ 118,000 |
| Tyler, TX | 101 | $ 18,344,000 | $ 181,623 | $ 93,000 |
| Lake Havasu City-Kingman, AZ | 100 | $ 15,060,000 | $ 150,600 | $ 65,000 |
| Auburn-Opelika, AL | 93 | $ 19,423,000 | $ 208,849 | $ 145,000 |
| Flagstaff, AZ | 88 | $ 25,734,000 | $ 292,431 | $ 174,000 |
| Fresno, CA | 83 | $ 31,024,000 | $ 373,783 | $ 210,000 |
| Tampa-St. Petersburg-Clearwater, FL | 82 | $ 20,121,000 | $ 245,378 | $ 140,000 |
| Anniston-Oxford, AL | 78 | $ 9,619,000 | $ 123,320 | $ 89,000 |
| Longview, TX | 72 | $ 9,711,000 | $ 134,875 | $ 78,000 |
| Las Cruces, NM | 66 | $ 13,572,000 | $ 205,636 | $ 100,000 |
| Ocala, FL | 51 | $ 15,963,000 | $ 313,000 | $ 434,000 |
| Lakeland-Winter Haven, FL | 46 | $ 5,847,000 | $ 127,108 | $ 161,000 |
| Lubbock, TX | 45 | $ 7,135,000 | $ 158,555 | $ 201,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 44 | $ 12,449,000 | $ 282,931 | $ 222,000 |
| Odessa, TX | 39 | $ 5,001,000 | $ 128,230 | $ 84,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 29 | $ 23,192,000 | $ 799,724 | $ 288,000 |
| Abilene, TX | 27 | $ 3,031,000 | $ 112,259 | $ 90,000 |
| Santa Fe, NM | 23 | $ 15,021,000 | $ 653,086 | $ 266,000 |
| Merced, CA | 22 | $ 3,191,000 | $ 145,045 | $ 92,000 |
| Atlanta-Sandy Springs-Marietta, GA | 21 | $ 15,102,000 | $ 719,142 | $ 419,000 |
| Miami-Miami Beach-Kendall, FL | 21 | $ 20,555,000 | $ 978,809 | $ 752,000 |
| Midland, TX | 18 | $ 3,870,000 | $ 215,000 | $ 143,000 |
| North Port-Bradenton-Sarasota, FL | 18 | $ 4,282,000 | $ 237,888 | $ 256,000 |
| Las Vegas-Paradise, NV | 16 | $ 11,260,000 | $ 703,750 | $ 500,000 |
| Sherman-Denison, TX | 16 | $ 3,565,000 | $ 222,812 | $ 223,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 5,155,000 | $ 429,583 | $ 303,000 |
| San Angelo, TX | 10 | $ 1,431,000 | $ 143,100 | $ 85,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 6,332,000 | $ 633,200 | $ 453,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 1,378,000 | $ 153,111 | $ 210,000 |
| Grand Junction, CO | 9 | $ 5,075,000 | $ 563,888 | $ 433,000 |
| Bakersfield-Delano, CA | 8 | $ 2,559,000 | $ 319,875 | $ 205,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 5,149,000 | $ 643,625 | $ 448,000 |
| Vallejo-Fairfield, CA | 8 | $ 3,921,000 | $ 490,125 | $ 266,000 |
| Visalia-Porterville, CA | 8 | $ 1,823,000 | $ 227,875 | $ 190,000 |
| Amarillo, TX | 7 | $ 1,230,000 | $ 175,714 | $ 215,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 3,528,000 | $ 504,000 | $ 552,000 |
| New Orleans-Metairie-Kenner, LA | 7 | $ 1,645,000 | $ 235,000 | $ 284,000 |
| Santa Rosa-Petaluma, CA | 7 | $ 9,160,000 | $ 1,308,571 | $ 211,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 6,231,000 | $ 890,142 | $ 377,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 3,839,000 | $ 548,428 | $ 201,000 |
| Boston-Quincy, MA | 6 | $ 3,718,000 | $ 619,666 | $ 554,000 |
| New York-White Plains-Wayne, NY-NJ | 6 | $ 5,401,000 | $ 900,166 | $ 423,000 |
| Oklahoma City, OK | 6 | $ 2,873,000 | $ 478,833 | $ 365,000 |
| Palm Coast, FL | 6 | $ 1,553,000 | $ 258,833 | $ 283,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 6 | $ 5,735,000 | $ 955,833 | $ 433,000 |
| Memphis, TN-MS-AR | 5 | $ 1,151,000 | $ 230,200 | $ 309,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 2,294,000 | $ 458,800 | $ 381,800 |
| Salinas, CA | 5 | $ 2,874,000 | $ 574,800 | $ 235,000 |
| Columbus, GA-AL | 4 | $ 550,000 | $ 137,500 | $ 52,500 |
| El Centro, CA | 4 | $ 498,000 | $ 124,500 | $ 47,000 |
| Farmington, NM | 4 | $ 1,573,000 | $ 393,250 | $ 30,000 |
| Madera-Chowchilla, CA | 4 | $ 784,000 | $ 196,000 | $ 101,000 |
| Napa, CA | 4 | $ 2,861,000 | $ 715,250 | $ 269,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 600,000 | $ 150,000 | $ 170,000 |
| Pueblo, CO | 4 | $ 673,000 | $ 168,250 | $ 119,000 |
| Bend, OR | 3 | $ 1,073,000 | $ 357,666 | $ 395,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 3,321,000 | $ 1,107,000 | $ 349,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,650,000 | $ 550,000 | $ 281,000 |
| Chattanooga, TN-GA | 3 | $ 889,000 | $ 296,333 | $ 307,000 |
| Naples-Marco Island, FL | 3 | $ 998,000 | $ 332,666 | $ 184,000 |
| Philadelphia, PA | 3 | $ 1,242,000 | $ 414,000 | $ 384,000 |
| Tallahassee, FL | 3 | $ 339,000 | $ 113,000 | $ 105,000 |
| Albany, GA | 2 | $ 140,000 | $ 70,000 | $ 35,000 |
| Chico, CA | 2 | $ 1,531,000 | $ 765,500 | $ 489,000 |
| Knoxville, TN | 2 | $ 834,000 | $ 417,000 | $ 650,000 |
| Nassau-Suffolk, NY | 2 | $ 2,034,000 | $ 1,017,000 | $ 210,000 |
| Port St. Lucie, FL | 2 | $ 159,000 | $ 79,500 | $ 39,000 |
| Punta Gorda, FL | 2 | $ 473,000 | $ 236,500 | $ 148,000 |
| Redding, CA | 2 | $ 58,000 | $ 29,000 | $ 73,000 |
| Victoria, TX | 2 | $ 384,000 | $ 192,000 | $ 143,000 |
| Worcester, MA | 2 | $ 929,000 | $ 464,500 | $ 108,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 196,000 | $ 196,000 | $ 138,000 |
| Boise City-Nampa, ID | 1 | $ 760,000 | $ 760,000 | $ 323,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 824,000 | $ 824,000 | $ 220,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 576,000 | $ 576,000 | $ 400,000 |
| Cleveland, TN | 1 | $ 353,000 | $ 353,000 | $ 88,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 988,000 | $ 988,000 | $ 500,000 |
| Coeur D'Alene, ID | 1 | $ 630,000 | $ 630,000 | $ 256,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 417,000 | $ 417,000 | $ 325,000 |
| Hanford-Corcoran, CA | 1 | $ 525,000 | $ 525,000 | $ 210,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 232,000 | $ 232,000 | $ 163,000 |
| Jonesboro, AR | 1 | $ 500,000 | $ 500,000 | $ 870,000 |
| Lake Charles, LA | 1 | $ 60,000 | $ 60,000 | $ 82,000 |
| Macon, GA | 1 | $ 148,000 | $ 148,000 | $ 107,000 |
| Medford, OR | 1 | $ 603,000 | $ 603,000 | $ 375,000 |
| Peabody, MA | 1 | $ 828,000 | $ 828,000 | $ 350,000 |
| Pittsburgh, PA | 1 | $ 879,000 | $ 879,000 | $ 540,000 |
| Savannah, GA | 1 | $ 208,000 | $ 208,000 | $ 170,000 |
| Shreveport-Bossier City, LA | 1 | $ 209,000 | $ 209,000 | $ 96,000 |
| Spokane, WA | 1 | $ 784,000 | $ 784,000 | $ 406,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 768,000 | $ 768,000 | $ 609,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 680,000 | $ 680,000 | $ 252,000 |
| Wichita Falls, TX | 1 | $ 725,000 | $ 725,000 | $ 362,000 |
Mortgage Loan Application Detail Totals for BBVA USA 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 | 17,033 | $4,635,297,000 | $272,000 | $5,639,000 | $159,000 | $9,999,000 |
| Home Purchase | 12,428 | $4,146,587,000 | $333,000 | $5,950,000 | $183,000 | $6,791,000 |
| Home Improvement | 1,290 | $61,325,000 | $47,000 | $2,795,000 | $120,000 | $2,424,000 |
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 | 18,319 | $5,487,312,000 | $299,000 | $5,950,000 | $173,000 | $9,999,000 |
| Hispanic | 6,330 | $1,134,614,000 | $179,000 | $4,410,000 | $126,000 | $6,000,000 |
| Not Provided | 2,571 | $1,091,392,000 | $424,000 | $4,875,000 | $243,000 | $9,999,000 |
| Asian | 1,862 | $766,373,000 | $411,000 | $2,723,000 | $207,000 | $1,522,000 |
| Black or African American | 1,377 | $233,578,000 | $169,000 | $2,800,000 | $102,000 | $6,791,000 |
| Not applicable | 124 | $93,422,000 | $753,000 | $5,639,000 | $0 | $0 |
| American Indian or Alaskan Native | 108 | $23,340,000 | $216,000 | $960,000 | $139,000 | $1,502,000 |
| Native Hawaiian or Other Pacific Islander | 60 | $13,178,000 | $219,000 | $1,226,000 | $113,000 | $483,000 |
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) | 29,290 | $8,625,466,000 | $294,000 | $5,950,000 | $172,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1,221 | $175,543,000 | $143,000 | $687,000 | $72,000 | $3,038,000 |
| VA-guaranteed (Veterans Administration) | 201 | $36,745,000 | $182,000 | $431,000 | $89,000 | $2,349,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $5,455,000 | $139,000 | $423,000 | $43,000 | $85,000 |
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 | 15,677 | $5,183,461,000 | $330,000 | $5,639,000 | $193,000 | $9,999,000 |
| Application Denied By Financial Institution | 6,422 | $1,224,830,000 | $190,000 | $5,950,000 | $99,000 | $9,999,000 |
| File Closed For Incompleteness | 3,086 | $808,139,000 | $261,000 | $4,000,000 | $164,000 | $7,541,000 |
| Application Approved But Not Accepted | 2,976 | $920,074,000 | $309,000 | $4,030,000 | $182,000 | $4,086,000 |
| Application Withdrawn By Applicant | 2,316 | $614,619,000 | $265,000 | $4,500,000 | $168,000 | $4,200,000 |
| Preapproval Approved but not Accepted | 170 | $62,853,000 | $369,000 | $1,400,000 | $178,000 | $1,740,000 |
| Preapproval Denied by Financial Institution | 104 | $29,233,000 | $281,000 | $1,080,000 | $89,000 | $464,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2,269 | $280,687,000 | $123,000 | $2,500,000 | $83,000 | $4,130,000 |
| Debt-To-Income Ratio | 1,862 | $427,668,000 | $229,000 | $3,570,000 | $68,000 | $921,000 |
| Collateral | 913 | $239,475,000 | $262,000 | $5,950,000 | $164,000 | $1,481,000 |
| Other | 904 | $175,985,000 | $194,000 | $4,200,000 | $134,000 | $9,999,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 298 | $65,785,000 | $220,000 | $4,500,000 | $104,000 | $1,453,000 |
| Unverifiable Information | 199 | $45,778,000 | $230,000 | $1,730,000 | $83,000 | $1,209,000 |
| Employment History | 40 | $7,805,000 | $195,000 | $725,000 | $100,000 | $347,000 |
| Credit Application Incomplete | 26 | $8,563,000 | $329,000 | $1,100,000 | $238,000 | $1,221,000 |
| Mortgage Insurance Denied | 15 | $2,317,000 | $154,000 | $380,000 | $110,000 | $319,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BBVA USA'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 BBVA USA'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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with aggregated HMDA statistics today.
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