BBVA USA Mortgage Lending & HMDA Data, 2004

In 2004, BBVA USA of Birmingham, AL reported 12,791 mortgage applications totaling $1.9 billion, down 45% from 2003. The average application was for $151,737, and applicants reported an average income of $94,300. 53% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (1,406), Dallas-Plano-Irving, TX (1,098) and Birmingham-Hoover, AL (1,084) (applications in parentheses).

Mortgage Company & Address BBVA USA
15 South 20th Street
Birmingham, AL 35233
Tel #: available with data download
Federal Regulator * available with data download
Years 2021  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 12,791
Total Mortgage Loan Application Amount $1,940,872,000
Average Mortgage Loan Application Amount $151,737
Highest Mortgage Loan Application Amount $25,000,000
Average Applicant Income $94,300
Highest Applicant Income $9,100,000

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Disclosure Act (HMDA) records BBVA USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for BBVA USA by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 922 $ 120,333,000 $ 130,513 $ 130,000
Bexar, Texas 739 $ 111,161,000 $ 150,420 $ 116,000
Jefferson, Alabama 701 $ 99,533,000 $ 141,987 $ 81,000
Dallas, Texas 609 $ 109,822,000 $ 180,331 $ 119,000
Maricopa, Arizona 603 $ 126,574,000 $ 209,907 $ 157,000
Duval, Florida 461 $ 50,081,000 $ 108,635 $ 67,000
Mobile, Alabama 435 $ 35,709,000 $ 82,089 $ 65,000
Pima, Arizona 414 $ 54,018,000 $ 130,478 $ 56,000
Tarrant, Texas 399 $ 31,630,000 $ 79,273 $ 83,000
Travis, Texas 350 $ 76,849,000 $ 219,568 $ 95,000
Madison, Alabama 292 $ 56,444,000 $ 193,301 $ 78,000
Montgomery, Alabama 260 $ 34,600,000 $ 133,076 $ 68,000
DeKalb, Alabama 234 $ 17,115,000 $ 73,141 $ 52,000
Collin, Texas 218 $ 19,716,000 $ 90,440 $ 112,000
Baldwin, Alabama 199 $ 36,959,000 $ 185,723 $ 111,000
Bernalillo, New Mexico 192 $ 21,938,000 $ 114,260 $ 67,000
Denton, Texas 175 $ 17,378,000 $ 99,302 $ 115,000
Shelby, Alabama 168 $ 32,798,000 $ 195,226 $ 103,000
Bell, Texas 159 $ 17,681,000 $ 111,201 $ 91,000
Montgomery, Texas 146 $ 12,586,000 $ 86,205 $ 122,000
Alachua, Florida 143 $ 29,234,000 $ 204,433 $ 63,000
Williamson, Texas 141 $ 15,104,000 $ 107,120 $ 89,000
Tuscaloosa, Alabama 136 $ 18,908,000 $ 139,029 $ 66,000
Fort Bend, Texas 134 $ 12,237,000 $ 91,320 $ 113,000
Walker, Alabama 110 $ 7,913,000 $ 71,936 $ 54,000
Brazoria, Texas 109 $ 10,302,000 $ 94,513 $ 88,000
Clay, Florida 104 $ 15,122,000 $ 145,403 $ 60,000
Escambia, Florida 101 $ 16,720,000 $ 165,544 $ 89,000
Lee, Alabama 97 $ 16,550,000 $ 170,618 $ 116,000
Houston, Alabama 94 $ 9,826,000 $ 104,531 $ 49,000
Cochise, Arizona 94 $ 6,530,000 $ 69,468 $ 46,000
Limestone, Alabama 90 $ 10,750,000 $ 119,444 $ 73,000
Denver, Colorado 90 $ 15,055,000 $ 167,277 $ 117,000
Etowah, Alabama 89 $ 10,018,000 $ 112,561 $ 60,000
Morgan, Alabama 89 $ 12,056,000 $ 135,460 $ 66,000
Okaloosa, Florida 89 $ 13,419,000 $ 150,775 $ 83,000
Lauderdale, Alabama 88 $ 9,152,000 $ 104,000 $ 65,000
Coconino, Arizona 88 $ 16,501,000 $ 187,511 $ 81,000
St. Johns, Florida 86 $ 14,327,000 $ 166,593 $ 80,000
McLennan, Texas 83 $ 8,986,000 $ 108,265 $ 74,000
Brazos, Texas 81 $ 10,960,000 $ 135,308 $ 82,000
Colbert, Alabama 80 $ 10,215,000 $ 127,687 $ 46,000
Adams, Colorado 79 $ 12,439,000 $ 157,455 $ 81,000
Nassau, Florida 78 $ 12,335,000 $ 158,141 $ 182,000
Calhoun, Alabama 75 $ 6,474,000 $ 86,320 $ 56,000
Jackson, Alabama 72 $ 5,068,000 $ 70,388 $ 54,000
Yavapai, Arizona 71 $ 10,000,000 $ 140,845 $ 67,000
Pinal, Arizona 66 $ 5,057,000 $ 76,621 $ 49,000
Arapahoe, Colorado 66 $ 10,627,000 $ 161,015 $ 77,000
Galveston, Texas 64 $ 6,193,000 $ 96,765 $ 88,000
Marshall, Alabama 59 $ 7,914,000 $ 134,135 $ 128,000
Jefferson, Colorado 58 $ 10,207,000 $ 175,982 $ 82,000
Cullman, Alabama 56 $ 5,890,000 $ 105,178 $ 53,000
Mohave, Arizona 56 $ 3,459,000 $ 61,767 $ 51,000
Blount, Alabama 52 $ 3,546,000 $ 68,192 $ 60,000
Hays, Texas 50 $ 7,152,000 $ 143,040 $ 119,000
Boulder, Colorado 47 $ 10,636,000 $ 226,297 $ 177,000
Comal, Texas 47 $ 7,621,000 $ 162,148 $ 147,000
Walton, Florida 45 $ 17,781,000 $ 395,133 $ 160,000
St. Clair, Alabama 43 $ 3,624,000 $ 84,279 $ 53,000
Hernando, Florida 43 $ 3,689,000 $ 85,790 $ 49,000
Ellis, Texas 43 $ 1,672,000 $ 38,883 $ 80,000
Yuma, Arizona 38 $ 2,455,000 $ 64,605 $ 50,000
Douglas, Colorado 36 $ 5,524,000 $ 153,444 $ 124,000
Marion, Florida 32 $ 5,075,000 $ 158,593 $ 57,000
Santa Rosa, Florida 32 $ 4,495,000 $ 140,468 $ 70,000
Talladega, Alabama 31 $ 2,605,000 $ 84,032 $ 51,000
Gila, Arizona 30 $ 3,324,000 $ 110,800 $ 46,000
Lawrence, Alabama 28 $ 2,135,000 $ 76,250 $ 48,000
Hillsborough, Florida 28 $ 7,564,000 $ 270,142 $ 77,000
Barbour, Alabama 27 $ 1,981,000 $ 73,370 $ 53,000
Larimer, Colorado 27 $ 4,531,000 $ 167,814 $ 59,000
Sandoval, New Mexico 27 $ 2,771,000 $ 102,629 $ 61,000
Guadalupe, Texas 27 $ 1,320,000 $ 48,888 $ 86,000
Navajo, Arizona 26 $ 2,926,000 $ 112,538 $ 83,000
Pinellas, Florida 26 $ 2,442,000 $ 93,923 $ 75,000
Kendall, Texas 25 $ 5,449,000 $ 217,960 $ 174,000
El Paso, Colorado 24 $ 1,811,000 $ 75,458 $ 66,000
Elmore, Alabama 23 $ 3,918,000 $ 170,347 $ 122,000
Kaufman, Texas 21 $ 1,482,000 $ 70,571 $ 80,000
Rockwall, Texas 21 $ 1,610,000 $ 76,666 $ 107,000
Tallapoosa, Alabama 19 $ 2,596,000 $ 136,631 $ 151,000
Bastrop, Texas 19 $ 1,922,000 $ 101,157 $ 98,000
Johnson, Texas 19 $ 1,341,000 $ 70,578 $ 71,000
Cherokee, Alabama 17 $ 1,125,000 $ 66,176 $ 59,000
Coryell, Texas 17 $ 1,273,000 $ 74,882 $ 110,000
Citrus, Florida 16 $ 1,384,000 $ 86,500 $ 55,000
Pasco, Florida 16 $ 1,042,000 $ 65,125 $ 39,000
Nueces, Texas 16 $ 2,229,000 $ 139,312 $ 209,000
Winston, Alabama 15 $ 2,078,000 $ 138,533 $ 130,000
Bay, Florida 15 $ 3,714,000 $ 247,600 $ 275,000
Putnam, Florida 15 $ 1,462,000 $ 97,466 $ 78,000
Weld, Colorado 14 $ 1,689,000 $ 120,642 $ 44,000
Flagler, Florida 14 $ 1,290,000 $ 92,142 $ 48,000
Valencia, New Mexico 14 $ 926,000 $ 66,142 $ 50,000
Parker, Texas 14 $ 1,172,000 $ 83,714 $ 54,000
Wilson, Texas 14 $ 1,883,000 $ 134,500 $ 98,000
Autauga, Alabama 13 $ 1,743,000 $ 134,076 $ 90,000
Dale, Alabama 13 $ 1,236,000 $ 95,076 $ 48,000
Burnet, Texas 13 $ 1,500,000 $ 115,384 $ 66,000
Henry, Alabama 12 $ 656,000 $ 54,666 $ 52,000
Franklin, Alabama 11 $ 1,070,000 $ 97,272 $ 70,000
Geneva, Alabama 11 $ 932,000 $ 84,727 $ 104,000
Santa Cruz, Arizona 11 $ 1,053,000 $ 95,727 $ 35,000
Hunt, Texas 11 $ 845,000 $ 76,818 $ 73,000
Chambers, Alabama 10 $ 641,000 $ 64,100 $ 38,000
Coffee, Alabama 10 $ 786,000 $ 78,600 $ 62,000
San Diego, California 10 $ 8,570,000 $ 857,000 $ 686,000
Cobb, Georgia 10 $ 1,549,000 $ 154,900 $ 101,000
Santa Fe, New Mexico 10 $ 1,713,000 $ 171,300 $ 79,000
Bandera, Texas 10 $ 902,000 $ 90,200 $ 124,000
Grayson, Texas 10 $ 484,000 $ 48,400 $ 65,000
Hood, Texas 10 $ 752,000 $ 75,200 $ 73,000
Llano, Texas 10 $ 2,024,000 $ 202,400 $ 217,000
Medina, Texas 10 $ 768,000 $ 76,800 $ 129,000
Walker, Texas 10 $ 769,000 $ 76,900 $ 161,000
Clarke, Alabama 9 $ 631,000 $ 70,111 $ 42,000
Randolph, Alabama 9 $ 804,000 $ 89,333 $ 116,000
Washington, Alabama 9 $ 501,000 $ 55,666 $ 51,000
Leon, Florida 9 $ 893,000 $ 99,222 $ 65,000
Liberty, Texas 9 $ 443,000 $ 49,222 $ 70,000
Wise, Texas 9 $ 800,000 $ 88,888 $ 55,000
Macon, Alabama 8 $ 483,000 $ 60,375 $ 59,000
Levy, Florida 8 $ 546,000 $ 68,250 $ 37,000
DeKalb, Georgia 8 $ 2,291,000 $ 286,375 $ 46,000
Chambers, Texas 8 $ 391,000 $ 48,875 $ 72,000
Waller, Texas 8 $ 527,000 $ 65,875 $ 97,000
Washington, Texas 8 $ 1,627,000 $ 203,375 $ 59,000
Monroe, Alabama 7 $ 339,000 $ 48,428 $ 36,000
Bradford, Florida 7 $ 384,000 $ 54,857 $ 41,000
Fulton, Georgia 7 $ 1,350,000 $ 192,857 $ 175,000
Cibola, New Mexico 7 $ 665,000 $ 95,000 $ 34,000
Robertson, Texas 7 $ 507,000 $ 72,428 $ 63,000
Coosa, Alabama 6 $ 630,000 $ 105,000 $ 75,000
Covington, Alabama 6 $ 481,000 $ 80,166 $ 69,000
Lowndes, Alabama 6 $ 869,000 $ 144,833 $ 149,000
Russell, Alabama 6 $ 323,000 $ 53,833 $ 51,000
Mesa, Colorado 6 $ 855,000 $ 142,500 $ 53,000
Pitkin, Colorado 6 $ 9,169,000 $ 1,528,166 $ 1,048,000
Columbia, Florida 6 $ 320,000 $ 53,333 $ 90,000
Lake, Florida 6 $ 336,000 $ 56,000 $ 42,000
Polk, Florida 6 $ 588,000 $ 98,000 $ 58,000
Whitfield, Georgia 6 $ 378,000 $ 63,000 $ 32,000
Austin, Texas 6 $ 462,000 $ 77,000 $ 47,000
Grimes, Texas 6 $ 433,000 $ 72,166 $ 76,000
Kerr, Texas 6 $ 456,000 $ 76,000 $ 83,000
Limestone, Texas 6 $ 405,000 $ 67,500 $ 63,000
Smith, Texas 6 $ 1,051,000 $ 175,166 $ 224,000
Bibb, Alabama 5 $ 486,000 $ 97,200 $ 62,000
Bullock, Alabama 5 $ 324,000 $ 64,800 $ 40,000
Chilton, Alabama 5 $ 200,000 $ 40,000 $ 54,000
Cleburne, Alabama 5 $ 285,000 $ 57,000 $ 26,000
Dallas, Alabama 5 $ 411,000 $ 82,200 $ 60,000
Fayette, Alabama 5 $ 354,000 $ 70,800 $ 52,000
Pike, Alabama 5 $ 374,000 $ 74,800 $ 45,000
Apache, Arizona 5 $ 455,000 $ 91,000 $ 65,000
Elbert, Colorado 5 $ 1,782,000 $ 356,400 $ 144,000
Gilpin, Colorado 5 $ 1,203,000 $ 240,600 $ 89,000
Pueblo, Colorado 5 $ 263,000 $ 52,600 $ 40,000
Palm Beach, Florida 5 $ 24,871,000 $ 4,974,200 $ 1,844,000
Muscogee, Georgia 5 $ 212,000 $ 42,400 $ 24,000
Jackson, Mississippi 5 $ 17,336,000 $ 3,467,200 $ 27,000
Aransas, Texas 5 $ 814,000 $ 162,800 $ 320,000
Caldwell, Texas 5 $ 332,000 $ 66,400 $ 59,000
Falls, Texas 5 $ 329,000 $ 65,800 $ 62,000
Wharton, Texas 5 $ 367,000 $ 73,400 $ 156,000
Butler, Alabama 4 $ 152,000 $ 38,000 $ 49,000
Clay, Alabama 4 $ 268,000 $ 67,000 $ 61,000
Marion, Alabama 4 $ 493,000 $ 123,250 $ 78,000
Los Angeles, California 4 $ 2,800,000 $ 700,000 $ 1,319,000
Volusia, Florida 4 $ 1,156,000 $ 289,000 $ 65,000
Bibb, Georgia 4 $ 176,000 $ 44,000 $ 48,000
Camden, Georgia 4 $ 431,000 $ 107,750 $ 109,000
Clarke, Georgia 4 $ 3,549,000 $ 887,250 $ 27,000
Gwinnett, Georgia 4 $ 24,181,000 $ 6,045,250 $ 31,000
Clark, Nevada 4 $ 895,000 $ 223,750 $ 332,000
Torrance, New Mexico 4 $ 397,000 $ 99,250 $ 50,000
Matagorda, Texas 4 $ 168,000 $ 42,000 $ 66,000
Milam, Texas 4 $ 242,000 $ 60,500 $ 51,000
Polk, Texas 4 $ 367,000 $ 91,750 $ 48,000
Choctaw, Alabama 3 $ 195,000 $ 65,000 $ 30,000
Escambia, Alabama 3 $ 282,000 $ 94,000 $ 73,000
Lamar, Alabama 3 $ 118,000 $ 39,333 $ 51,000
Broomfield, Colorado 3 $ 145,000 $ 48,333 $ 49,000
Grand, Colorado 3 $ 696,000 $ 232,000 $ 118,000
Park, Colorado 3 $ 893,000 $ 297,666 $ 106,000
Teller, Colorado 3 $ 102,000 $ 34,000 $ 60,000
Brevard, Florida 3 $ 811,000 $ 270,333 $ 131,000
Jackson, Florida 3 $ 150,000 $ 50,000 $ 32,000
Lee, Florida 3 $ 2,260,000 $ 753,333 $ 538,000
Manatee, Florida 3 $ 592,000 $ 197,333 $ 183,000
Miami-Dade, Florida 3 $ 830,000 $ 276,666 $ 786,000
Orange, Florida 3 $ 89,000 $ 29,666 $ 68,000
Sumter, Florida 3 $ 127,000 $ 42,333 $ 67,000
Bartow, Georgia 3 $ 119,000 $ 39,666 $ 48,000
Murray, Georgia 3 $ 144,000 $ 48,000 $ 38,000
Blaine, Idaho 3 $ 2,368,000 $ 789,333 $ 676,000
Oklahoma, Oklahoma 3 $ 514,000 $ 171,333 $ 49,000
Atascosa, Texas 3 $ 205,000 $ 68,333 $ 44,000
Blanco, Texas 3 $ 821,000 $ 273,666 $ 132,000
Burleson, Texas 3 $ 143,000 $ 47,666 $ 36,000
Cameron, Texas 3 $ 292,000 $ 97,333 $ 162,000
Palo Pinto, Texas 3 $ 430,000 $ 143,333 $ 143,000
San Patricio, Texas 3 $ 45,000 $ 15,000 $ 37,000
Uvalde, Texas 3 $ 252,000 $ 84,000 $ 104,000
Thurston, Washington 3 $ 965,000 $ 321,666 $ 262,000
Greene, Alabama 2 $ 105,000 $ 52,500 $ 74,000
Hale, Alabama 2 $ 66,000 $ 33,000 $ 54,000
La Paz, Arizona 2 $ 121,000 $ 60,500 $ 41,000
Orange, California 2 $ 1,275,000 $ 637,500 $ 239,000
Eagle, Colorado 2 $ 2,593,000 $ 1,296,500 $ 840,000
Fremont, Colorado 2 $ 89,000 $ 44,500 $ 92,000
Moffat, Colorado 2 $ 129,000 $ 64,500 $ 16,000
Calhoun, Florida 2 $ 135,000 $ 67,500 $ 31,000
Charlotte, Florida 2 $ 170,000 $ 85,000 $ 83,000
Collier, Florida 2 $ 2,310,000 $ 1,155,000 $ 22,000
Gadsden, Florida 2 $ 78,000 $ 39,000 $ 31,000
Gilchrist, Florida 2 $ 357,000 $ 178,500 $ 56,000
Gulf, Florida 2 $ 2,581,000 $ 1,290,500 $ 289,000
Monroe, Florida 2 $ 1,640,000 $ 820,000 $ 434,000
Sarasota, Florida 2 $ 495,000 $ 247,500 $ 177,000
Union, Florida 2 $ 85,000 $ 42,500 $ 89,000
Barrow, Georgia 2 $ 104,000 $ 52,000 $ 65,000
Carroll, Georgia 2 $ 72,000 $ 36,000 $ 56,000
Chattooga, Georgia 2 $ 193,000 $ 96,500 $ 48,000
Cherokee, Georgia 2 $ 104,000 $ 52,000 $ 22,000
Columbia, Georgia 2 $ 293,000 $ 146,500 $ 66,000
Emanuel, Georgia 2 $ 162,000 $ 81,000 $ 60,000
Fayette, Georgia 2 $ 299,000 $ 149,500 $ 85,000
Forsyth, Georgia 2 $ 324,000 $ 162,000 $ 51,000
Glynn, Georgia 2 $ 902,000 $ 451,000 $ 412,000
Gordon, Georgia 2 $ 114,000 $ 57,000 $ 49,000
Hancock, Georgia 2 $ 98,000 $ 49,000 $ 227,000
Henry, Georgia 2 $ 94,000 $ 47,000 $ 52,000
Paulding, Georgia 2 $ 160,000 $ 80,000 $ 45,000
Polk, Georgia 2 $ 84,000 $ 42,000 $ 61,000
Richmond, Georgia 2 $ 97,000 $ 48,500 $ 63,000
Rockdale, Georgia 2 $ 149,000 $ 74,500 $ 75,000
Walker, Georgia 2 $ 47,000 $ 23,500 $ 56,000
Ware, Georgia 2 $ 89,000 $ 44,500 $ 20,000
Wayne, Georgia 2 $ 127,000 $ 63,500 $ 53,000
East Baton Rouge, Louisiana 2 $ 285,000 $ 142,500 $ 59,000
Orleans, Louisiana 2 $ 600,000 $ 300,000 $ 257,000
Baltimore, Maryland 2 $ 1,152,000 $ 576,000 $ 2,025,000
Ramsey, Minnesota 2 $ 858,000 $ 429,000 $ 165,000
Lee, Mississippi 2 $ 432,000 $ 216,000 $ 2,033,000
Marion, Mississippi 2 $ 82,000 $ 41,000 $ 13,000
Sarpy, Nebraska 2 $ 348,000 $ 174,000 $ 82,000
Dona Ana, New Mexico 2 $ 153,000 $ 76,500 $ 52,000
Franklin, Tennessee 2 $ 535,000 $ 267,500 $ 270,000
Lincoln, Tennessee 2 $ 610,000 $ 305,000 $ 184,000
Williamson, Tennessee 2 $ 477,000 $ 238,500 $ 265,000
Angelina, Texas 2 $ 140,000 $ 70,000 $ 31,000
Coleman, Texas 2 $ 120,000 $ 60,000 $ 117,000
Colorado, Texas 2 $ 105,000 $ 52,500 $ 88,000
Cooke, Texas 2 $ 135,000 $ 67,500 $ 121,000
Eastland, Texas 2 $ 116,000 $ 58,000 $ 88,000
El Paso, Texas 2 $ 115,000 $ 57,500 $ 48,000
Gillespie, Texas 2 $ 327,000 $ 163,500 $ 76,000
Henderson, Texas 2 $ 934,000 $ 467,000 $ 226,000
Hill, Texas 2 $ 161,000 $ 80,500 $ 46,000
Lampasas, Texas 2 $ 70,000 $ 35,000 $ 44,000
Tom Green, Texas 2 $ 165,000 $ 82,500 $ 191,000
Victoria, Texas 2 $ 51,000 $ 25,500 $ 102,000
King, Washington 2 $ 1,280,000 $ 640,000 $ 416,000
Crenshaw, Alabama 1 $ 16,000 $ 16,000 $ 57,000
Perry, Alabama 1 $ 46,000 $ 46,000 $ 73,000
Pickens, Alabama 1 $ 18,000 $ 18,000 $ 24,000
Sumter, Alabama 1 $ 118,000 $ 118,000 $ 14,000
Graham, Arizona 1 $ 50,000 $ 50,000 $ 26,000
Greenlee, Arizona 1 $ 40,000 $ 40,000 $ 19,000
Placer, California 1 $ 88,000 $ 88,000 $ 40,000
Riverside, California 1 $ 1,200,000 $ 1,200,000 $ 1,117,000
San Mateo, California 1 $ 500,000 $ 500,000 $ 156,000
Santa Barbara, California 1 $ 1,940,000 $ 1,940,000 $ 780,000
Ventura, California 1 $ 580,000 $ 580,000 $ 393,000
Alamosa, Colorado 1 $ 47,000 $ 47,000 $ 44,000
Clear Creek, Colorado 1 $ 232,000 $ 232,000 $ 86,000
Conejos, Colorado 1 $ 191,000 $ 191,000 $ 300,000
Delta, Colorado 1 $ 35,000 $ 35,000 $ 108,000
Garfield, Colorado 1 $ 216,000 $ 216,000 $ 178,000
Gunnison, Colorado 1 $ 183,000 $ 183,000 $ 242,000
La Plata, Colorado 1 $ 45,000 $ 45,000 $ 0
Lake, Colorado 1 $ 142,000 $ 142,000 $ 35,000
Logan, Colorado 1 $ 58,000 $ 58,000 $ 35,000
Mineral, Colorado 1 $ 204,000 $ 204,000 $ 245,000
Montrose, Colorado 1 $ 113,000 $ 113,000 $ 43,000
Morgan, Colorado 1 $ 65,000 $ 65,000 $ 40,000
Routt, Colorado 1 $ 5,000,000 $ 5,000,000 $ 1,500,000
San Miguel, Colorado 1 $ 560,000 $ 560,000 $ 351,000
Fairfield, Connecticut 1 $ 277,000 $ 277,000 $ 71,000
Hartford, Connecticut 1 $ 192,000 $ 192,000 $ 82,000
Baker, Florida 1 $ 67,000 $ 67,000 $ 60,000
Broward, Florida 1 $ 10,000 $ 10,000 $ 81,000
Dixie, Florida 1 $ 52,000 $ 52,000 $ 40,000
Holmes, Florida 1 $ 160,000 $ 160,000 $ 57,000
Indian River, Florida 1 $ 320,000 $ 320,000 $ 143,000
Jefferson, Florida 1 $ 10,000 $ 10,000 $ 35,000
Madison, Florida 1 $ 110,000 $ 110,000 $ 96,000
Martin, Florida 1 $ 15,000 $ 15,000 $ 75,000
Osceola, Florida 1 $ 70,000 $ 70,000 $ 41,000
St. Lucie, Florida 1 $ 200,000 $ 200,000 $ 84,000
Suwannee, Florida 1 $ 102,000 $ 102,000 $ 240,000
Taylor, Florida 1 $ 10,000 $ 10,000 $ 59,000
Washington, Florida 1 $ 38,000 $ 38,000 $ 29,000
Ben Hill, Georgia 1 $ 45,000 $ 45,000 $ 60,000
Brantley, Georgia 1 $ 38,000 $ 38,000 $ 29,000
Burke, Georgia 1 $ 56,000 $ 56,000 $ 49,000
Catoosa, Georgia 1 $ 80,000 $ 80,000 $ 23,000
Chattahoochee, Georgia 1 $ 3,000 $ 3,000 $ 48,000
Clayton, Georgia 1 $ 70,000 $ 70,000 $ 99,000
Clinch, Georgia 1 $ 54,000 $ 54,000 $ 44,000
Colquitt, Georgia 1 $ 39,000 $ 39,000 $ 32,000
Cook, Georgia 1 $ 58,000 $ 58,000 $ 22,000
Coweta, Georgia 1 $ 30,000 $ 30,000 $ 56,000
Dade, Georgia 1 $ 45,000 $ 45,000 $ 30,000
Dodge, Georgia 1 $ 35,000 $ 35,000 $ 86,000
Douglas, Georgia 1 $ 15,000 $ 15,000 $ 120,000
Effingham, Georgia 1 $ 62,000 $ 62,000 $ 53,000
Elbert, Georgia 1 $ 75,000 $ 75,000 $ 55,000
Fannin, Georgia 1 $ 156,000 $ 156,000 $ 215,000
Floyd, Georgia 1 $ 105,000 $ 105,000 $ 61,000
Habersham, Georgia 1 $ 81,000 $ 81,000 $ 18,000
Haralson, Georgia 1 $ 133,000 $ 133,000 $ 30,000
Harris, Georgia 1 $ 39,000 $ 39,000 $ 102,000
Houston, Georgia 1 $ 182,000 $ 182,000 $ 59,000
Jenkins, Georgia 1 $ 60,000 $ 60,000 $ 57,000
Laurens, Georgia 1 $ 20,000 $ 20,000 $ 36,000
Long, Georgia 1 $ 44,000 $ 44,000 $ 23,000
Macon, Georgia 1 $ 50,000 $ 50,000 $ 36,000
Newton, Georgia 1 $ 53,000 $ 53,000 $ 50,000
Peach, Georgia 1 $ 50,000 $ 50,000 $ 51,000
Pike, Georgia 1 $ 46,000 $ 46,000 $ 60,000
Pulaski, Georgia 1 $ 128,000 $ 128,000 $ 24,000
Putnam, Georgia 1 $ 385,000 $ 385,000 $ 408,000
Taylor, Georgia 1 $ 62,000 $ 62,000 $ 28,000
Towns, Georgia 1 $ 292,000 $ 292,000 $ 336,000
Twiggs, Georgia 1 $ 35,000 $ 35,000 $ 70,000
Upson, Georgia 1 $ 37,000 $ 37,000 $ 54,000
Walton, Georgia 1 $ 123,000 $ 123,000 $ 40,000
Washington, Georgia 1 $ 115,000 $ 115,000 $ 49,000
Wilkinson, Georgia 1 $ 40,000 $ 40,000 $ 53,000
Hawaii, Hawaii 1 $ 1,100,000 $ 1,100,000 $ 895,000
Honolulu, Hawaii 1 $ 1,000,000 $ 1,000,000 $ 71,000
Maui, Hawaii 1 $ 975,000 $ 975,000 $ 382,000
Ogle, Illinois 1 $ 74,000 $ 74,000 $ 35,000
Johnson, Iowa 1 $ 155,000 $ 155,000 $ 39,000
Beauregard, Louisiana 1 $ 162,000 $ 162,000 $ 105,000
Bossier, Louisiana 1 $ 138,000 $ 138,000 $ 33,000
Jefferson, Louisiana 1 $ 745,000 $ 745,000 $ 340,000
St. Tammany, Louisiana 1 $ 340,000 $ 340,000 $ 305,000
Vermilion, Louisiana 1 $ 180,000 $ 180,000 $ 149,000
Frederick, Maryland 1 $ 440,000 $ 440,000 $ 122,000
Prince George's, Maryland 1 $ 20,000,000 $ 20,000,000 $ 0
Washington, Maryland 1 $ 18,000,000 $ 18,000,000 $ 0
Lake, Michigan 1 $ 219,000 $ 219,000 $ 86,000
Oakland, Michigan 1 $ 190,000 $ 190,000 $ 133,000
Crow Wing, Minnesota 1 $ 600,000 $ 600,000 $ 188,000
Scott, Minnesota 1 $ 334,000 $ 334,000 $ 62,000
Lauderdale, Mississippi 1 $ 29,000 $ 29,000 $ 84,000
Oktibbeha, Mississippi 1 $ 112,000 $ 112,000 $ 56,000
Rankin, Mississippi 1 $ 213,000 $ 213,000 $ 160,000
Ripley, Missouri 1 $ 60,000 $ 60,000 $ 124,000
St. Louis, Missouri 1 $ 198,000 $ 198,000 $ 120,000
Flathead, Montana 1 $ 225,000 $ 225,000 $ 221,000
Gallatin, Montana 1 $ 109,000 $ 109,000 $ 0
Cass, Nebraska 1 $ 64,000 $ 64,000 $ 34,000
Keith, Nebraska 1 $ 157,000 $ 157,000 $ 138,000
Camden, New Jersey 1 $ 79,000 $ 79,000 $ 31,000
Hudson, New Jersey 1 $ 20,000,000 $ 20,000,000 $ 0
Colfax, New Mexico 1 $ 400,000 $ 400,000 $ 346,000
Luna, New Mexico 1 $ 100,000 $ 100,000 $ 77,000
Mora, New Mexico 1 $ 212,000 $ 212,000 $ 133,000
San Juan, New Mexico 1 $ 180,000 $ 180,000 $ 48,000
Taos, New Mexico 1 $ 284,000 $ 284,000 $ 108,000
Chenango, New York 1 $ 51,000 $ 51,000 $ 23,000
Jefferson, New York 1 $ 190,000 $ 190,000 $ 120,000
Kings, New York 1 $ 621,000 $ 621,000 $ 200,000
New York, New York 1 $ 1,900,000 $ 1,900,000 $ 1,538,000
Steuben, New York 1 $ 210,000 $ 210,000 $ 165,000
Caldwell, North Carolina 1 $ 42,000 $ 42,000 $ 28,000
Durham, North Carolina 1 $ 133,000 $ 133,000 $ 39,000
Graham, North Carolina 1 $ 83,000 $ 83,000 $ 45,000
Onslow, North Carolina 1 $ 360,000 $ 360,000 $ 432,000
Wake, North Carolina 1 $ 25,000,000 $ 25,000,000 $ 0
Watauga, North Carolina 1 $ 38,000 $ 38,000 $ 71,000
Greene, Ohio 1 $ 143,000 $ 143,000 $ 90,000
Bryan, Oklahoma 1 $ 158,000 $ 158,000 $ 400,000
Comanche, Oklahoma 1 $ 153,000 $ 153,000 $ 59,000
Dauphin, Pennsylvania 1 $ 145,000 $ 145,000 $ 40,000
Beaufort, South Carolina 1 $ 200,000 $ 200,000 $ 187,000
Charleston, South Carolina 1 $ 197,000 $ 197,000 $ 37,000
Horry, South Carolina 1 $ 334,000 $ 334,000 $ 114,000
Giles, Tennessee 1 $ 95,000 $ 95,000 $ 80,000
Hamilton, Tennessee 1 $ 128,000 $ 128,000 $ 156,000
Madison, Tennessee 1 $ 385,000 $ 385,000 $ 300,000
Sevier, Tennessee 1 $ 400,000 $ 400,000 $ 0
Bosque, Texas 1 $ 155,000 $ 155,000 $ 36,000
Bowie, Texas 1 $ 132,000 $ 132,000 $ 44,000
Brown, Texas 1 $ 39,000 $ 39,000 $ 224,000
Calhoun, Texas 1 $ 270,000 $ 270,000 $ 0
Callahan, Texas 1 $ 28,000 $ 28,000 $ 13,000
Cherokee, Texas 1 $ 15,000 $ 15,000 $ 89,000
Ector, Texas 1 $ 20,000 $ 20,000 $ 96,000
Erath, Texas 1 $ 15,000 $ 15,000 $ 63,000
Fannin, Texas 1 $ 750,000 $ 750,000 $ 0
Franklin, Texas 1 $ 300,000 $ 300,000 $ 790,000
Frio, Texas 1 $ 31,000 $ 31,000 $ 76,000
Jack, Texas 1 $ 5,000 $ 5,000 $ 75,000
Jasper, Texas 1 $ 26,000 $ 26,000 $ 78,000
Kimble, Texas 1 $ 38,000 $ 38,000 $ 54,000
Lee, Texas 1 $ 62,000 $ 62,000 $ 86,000
Leon, Texas 1 $ 50,000 $ 50,000 $ 43,000
Lubbock, Texas 1 $ 76,000 $ 76,000 $ 26,000
Midland, Texas 1 $ 182,000 $ 182,000 $ 96,000
Montague, Texas 1 $ 24,000 $ 24,000 $ 81,000
Navarro, Texas 1 $ 78,000 $ 78,000 $ 41,000
Potter, Texas 1 $ 107,000 $ 107,000 $ 60,000
Rains, Texas 1 $ 435,000 $ 435,000 $ 408,000
Randall, Texas 1 $ 15,000 $ 15,000 $ 38,000
Sabine, Texas 1 $ 50,000 $ 50,000 $ 29,000
Somervell, Texas 1 $ 60,000 $ 60,000 $ 43,000
Taylor, Texas 1 $ 600,000 $ 600,000 $ 252,000
Titus, Texas 1 $ 65,000 $ 65,000 $ 72,000
Tyler, Texas 1 $ 50,000 $ 50,000 $ 516,000
Val Verde, Texas 1 $ 65,000 $ 65,000 $ 65,000
Van Zandt, Texas 1 $ 85,000 $ 85,000 $ 77,000
Webb, Texas 1 $ 29,000 $ 29,000 $ 56,000
Wichita, Texas 1 $ 50,000 $ 50,000 $ 641,000
Cache, Utah 1 $ 404,000 $ 404,000 $ 100,000
Summit, Utah 1 $ 568,000 $ 568,000 $ 0
Utah, Utah 1 $ 155,000 $ 155,000 $ 40,000
Fairfax, Virginia 1 $ 186,000 $ 186,000 $ 83,000
James City, Virginia 1 $ 264,000 $ 264,000 $ 215,000
Richmond City, Virginia 1 $ 14,000,000 $ 14,000,000 $ 0
Suffolk, Virginia 1 $ 10,000,000 $ 10,000,000 $ 0
Clark, Washington 1 $ 165,000 $ 165,000 $ 37,000

Mortgage Loan Application Detail Totals for BBVA USA in 2004

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 6,272 $859,339,000 $272,791 $8,000,000 $224,333 $6,996,000
Home Purchase 4,129 $991,909,000 $1,797,424 $25,000,000 $194,303 $9,100,000
Home Improvement 2,390 $89,624,000 $371,777 $2,256,000 $63,888 $6,392,000

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 6,438 $1,099,651,000 $264,937 $5,000,000 $174,250 $9,100,000
Not Provided 3,675 $315,772,000 $308,357 $3,394,000 $732,071 $4,000,000
Hispanic 856 $84,923,000 $188,888 $1,200,000 $61,444 $867,000
Not applicable 780 $329,247,000 $6,347,500 $25,000,000 $14,142 $1,253,000
Black or African American 758 $69,652,000 $174,500 $1,200,000 $126,666 $2,760,000
Asian 177 $29,852,000 $154,000 $884,000 $101,428 $1,020,000
American Indian or Alaskan Native 73 $8,479,000 $279,571 $1,350,000 $192,285 $6,392,000
Native Hawaiian or Other Pacific Islander 34 $3,296,000 $98,600 $536,000 $96,200 $476,000

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) 12,631 $1,923,573,000 $1,153,151 $25,000,000 $196,484 $9,100,000
FHA-insured (Federal Housing Administration) 113 $11,130,000 $107,000 $208,000 $50,333 $136,000
VA-guaranteed (Veterans Administration) 47 $6,169,000 $138,000 $270,000 $48,500 $148,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 6,745 $1,225,056,000 $463,625 $25,000,000 $229,093 $9,100,000
Application Denied By Financial Institution 3,309 $266,613,000 $4,968,454 $20,000,000 $47,545 $6,392,000
Application Withdrawn By Applicant 1,945 $345,697,000 $1,625,611 $20,000,000 $189,555 $6,996,000
Loan Purchased By The Institution 594 $48,713,000 $81,000 $195,000 $37,166 $471,000
File Closed For Incompleteness 123 $25,442,000 $208,000 $1,600,000 $84,666 $1,000,000
Application Approved But Not Accepted 75 $29,351,000 $2,225,125 $16,000,000 $200,125 $1,695,000
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 1,758 $92,699,000 $59,142 $800,000 $79,857 $6,392,000
Debt-To-Income Ratio 1,014 $78,130,000 $75,125 $2,359,000 $50,250 $1,241,000
Collateral 226 $34,354,000 $2,550,875 $20,000,000 $87,500 $1,680,000
Other 209 $55,932,000 $3,974,111 $20,000,000 $49,666 $1,721,000
Employment History 86 $4,251,000 $36,333 $286,000 $45,166 $461,000
Credit Application Incomplete 10 $770,000 $70,000 $286,000 $68,333 $204,000
Insufficient Cash (Downpayment, Closing Cost) 4 $401,000 $100,000 $190,000 $37,000 $110,000
Unverifiable Information 2 $76,000 $38,000 $58,000 $60,000 $66,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into BBVA USA's 2004 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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