BBVA USA Mortgage Lending & HMDA Data, 2021

In 2021, BBVA USA of Birmingham, AL reported 22,398 mortgage applications totaling $8.5 billion. The average application was for $380,685, and applicants reported an average income of $226,505. 48% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (2,511), Phoenix-Mesa-Scottsdale, AZ (2,087) and Dallas-Plano-Irving, TX (1,748) (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 22,398
Total Mortgage Loan Application Amount $8,526,590,000
Average Mortgage Loan Application Amount $380,685
Highest Mortgage Loan Application Amount $7,205,000
Average Applicant Income $226,505
Highest Applicant Income $9,900,000

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Disclosure Act (HMDA) records BBVA USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2021

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Houston-The Woodlands-Sugar Land, TX 2,511 $ 978,935,000 $ 389,858 $ 254,000
Phoenix-Mesa-Scottsdale, AZ 2,087 $ 838,795,000 $ 401,914 $ 225,000
Dallas-Plano-Irving, TX 1,748 $ 519,100,000 $ 296,967 $ 224,000
Outside any metro area 1,103 $ 275,395,000 $ 249,678 $ 180,155
Austin-Round Rock, TX 1,070 $ 461,890,000 $ 431,672 $ 264,000
Birmingham-Hoover, AL 994 $ 210,130,000 $ 211,398 $ 138,000
Fort Worth-Arlington, TX 903 $ 197,115,000 $ 218,289 $ 173,000
Denver-Aurora-Lakewood, CO 807 $ 296,625,000 $ 367,565 $ 205,000
Los Angeles-Long Beach-Glendale, CA 797 $ 756,865,000 $ 949,642 $ 426,000
Jacksonville, FL 665 $ 176,085,000 $ 264,789 $ 174,000
Riverside-San Bernardino-Ontario, CA 654 $ 216,740,000 $ 331,406 $ 187,000
San Antonio-New Braunfels, TX 613 $ 191,735,000 $ 312,781 $ 212,000
San Diego-Carlsbad, CA 580 $ 423,900,000 $ 730,862 $ 356,000
McAllen-Edinburg-Mission, TX 457 $ 68,745,000 $ 150,426 $ 111,000
Sacramento--Roseville--Arden-Arcade, CA 398 $ 297,120,000 $ 746,532 $ 343,000
Tucson, AZ 351 $ 87,235,000 $ 248,532 $ 177,000
Huntsville, AL 335 $ 71,515,000 $ 213,477 $ 142,000
Oakland-Hayward-Berkeley, CA 286 $ 223,900,000 $ 782,867 $ 380,000
Albuquerque, NM 285 $ 75,425,000 $ 264,649 $ 175,000
Anaheim-Santa Ana-Irvine, CA 285 $ 230,155,000 $ 807,561 $ 365,000
Laredo, TX 224 $ 31,130,000 $ 138,973 $ 113,000
Brownsville-Harlingen, TX 218 $ 28,560,000 $ 131,009 $ 103,000
Miami-Miami Beach-Kendall, FL 218 $ 158,900,000 $ 728,899 $ 513,000
Mobile, AL 217 $ 28,855,000 $ 132,972 $ 111,000
Stockton-Lodi, CA 205 $ 50,345,000 $ 245,585 $ 146,000
Lake Havasu City-Kingman, AZ 181 $ 46,325,000 $ 255,939 $ 135,000
El Paso, TX 176 $ 33,130,000 $ 188,238 $ 131,000
Daphne-Fairhope-Foley, AL 169 $ 39,365,000 $ 232,928 $ 152,000
Orlando-Kissimmee-Sanford, FL 169 $ 56,785,000 $ 336,005 $ 217,000
Montgomery, AL 152 $ 25,210,000 $ 165,855 $ 119,000
San Francisco-Redwood City-South San Francisco, CA 151 $ 139,575,000 $ 924,337 $ 396,000
Modesto, CA 144 $ 32,230,000 $ 223,819 $ 129,000
Colorado Springs, CO 142 $ 88,470,000 $ 623,028 $ 266,000
Beaumont-Port Arthur, TX 141 $ 21,835,000 $ 154,858 $ 138,000
San Jose-Sunnyvale-Santa Clara, CA 133 $ 138,675,000 $ 1,042,669 $ 371,000
Merced, CA 126 $ 29,290,000 $ 232,460 $ 141,000
Tampa-St. Petersburg-Clearwater, FL 125 $ 39,045,000 $ 312,360 $ 190,000
Pensacola-Ferry Pass-Brent, FL 124 $ 26,960,000 $ 217,419 $ 168,000
Fort Collins, CO 122 $ 51,650,000 $ 423,360 $ 274,000
Greeley, CO 103 $ 27,435,000 $ 266,359 $ 128,000
Crestview-Fort Walton Beach-Destin, FL 102 $ 30,820,000 $ 302,156 $ 230,000
Gainesville, FL 99 $ 28,305,000 $ 285,909 $ 188,000
Boulder, CO 97 $ 39,095,000 $ 403,041 $ 234,000
Fresno, CA 97 $ 44,535,000 $ 459,123 $ 265,000
Killeen-Temple, TX 83 $ 17,325,000 $ 208,734 $ 177,000
Waco, TX 73 $ 15,075,000 $ 206,506 $ 117,000
Auburn-Opelika, AL 72 $ 11,950,000 $ 165,972 $ 92,000
Florence-Muscle Shoals, AL 69 $ 10,045,000 $ 145,579 $ 90,000
Tuscaloosa, AL 66 $ 9,930,000 $ 150,454 $ 122,000
Prescott Valley-Prescott, AZ 64 $ 25,250,000 $ 394,531 $ 307,000
College Station-Bryan, TX 63 $ 14,575,000 $ 231,349 $ 137,000
Flagstaff, AZ 63 $ 24,585,000 $ 390,238 $ 223,000
Las Cruces, NM 63 $ 16,775,000 $ 266,269 $ 142,000
Oxnard-Thousand Oaks-Ventura, CA 62 $ 46,280,000 $ 746,451 $ 393,000
Corpus Christi, TX 58 $ 15,580,000 $ 268,620 $ 202,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 57 $ 29,055,000 $ 509,736 $ 296,000
Decatur, AL 53 $ 6,695,000 $ 126,320 $ 73,000
Anniston-Oxford-Jacksonville, AL 49 $ 5,395,000 $ 110,102 $ 61,000
Gadsden, AL 49 $ 5,615,000 $ 114,591 $ 86,000
Dothan, AL 46 $ 7,380,000 $ 160,434 $ 135,000
Ocala, FL 44 $ 7,390,000 $ 167,954 $ 107,000
West Palm Beach-Boca Raton-Delray Beach, FL 35 $ 17,155,000 $ 490,142 $ 265,000
Santa Maria-Santa Barbara, CA 33 $ 29,965,000 $ 908,030 $ 387,000
Lakeland-Winter Haven, FL 32 $ 8,320,000 $ 260,000 $ 258,000
Panama City, FL 32 $ 11,870,000 $ 370,937 $ 225,000
San Rafael, CA 32 $ 38,380,000 $ 1,199,375 $ 480,000
Atlanta-Sandy Springs-Roswell, GA 29 $ 16,445,000 $ 567,068 $ 360,000
Bakersfield, CA 24 $ 7,510,000 $ 312,916 $ 245,000
Deltona-Daytona Beach-Ormond Beach, FL 24 $ 9,860,000 $ 410,833 $ 311,000
Longview, TX 24 $ 3,700,000 $ 154,166 $ 135,000
North Port-Sarasota-Bradenton, FL 23 $ 15,495,000 $ 673,695 $ 399,000
Las Vegas-Henderson-Paradise, NV 22 $ 17,470,000 $ 794,090 $ 652,000
Cape Coral-Fort Myers, FL 20 $ 6,780,000 $ 339,000 $ 186,000
Lubbock, TX 19 $ 3,745,000 $ 197,105 $ 206,000
Vallejo-Fairfield, CA 19 $ 10,735,000 $ 565,000 $ 205,000
Seattle-Bellevue-Everett, WA 18 $ 28,400,000 $ 1,577,777 $ 417,000
Sierra Vista-Douglas, AZ 18 $ 2,560,000 $ 142,222 $ 71,000
Homosassa Springs, FL 17 $ 4,495,000 $ 264,411 $ 152,000
Santa Rosa, CA 17 $ 12,645,000 $ 743,823 $ 219,000
Visalia-Porterville, CA 17 $ 10,385,000 $ 610,882 $ 353,000
Santa Fe, NM 16 $ 7,720,000 $ 482,500 $ 238,000
Abilene, TX 14 $ 2,900,000 $ 207,142 $ 142,000
Portland-Vancouver-Hillsboro, OR-WA 14 $ 10,710,000 $ 765,000 $ 293,571
Tyler, TX 14 $ 2,750,000 $ 196,428 $ 192,000
Santa Cruz-Watsonville, CA 13 $ 8,555,000 $ 658,076 $ 624,000
Sherman-Denison, TX 13 $ 3,445,000 $ 265,000 $ 151,000
Madera, CA 12 $ 4,200,000 $ 350,000 $ 143,000
Napa, CA 12 $ 10,830,000 $ 902,500 $ 381,000
Naples-Immokalee-Marco Island, FL 12 $ 5,390,000 $ 449,166 $ 283,000
Odessa, TX 12 $ 2,380,000 $ 198,333 $ 280,000
Palm Bay-Melbourne-Titusville, FL 12 $ 3,470,000 $ 289,166 $ 250,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 10 $ 7,600,000 $ 760,000 $ 356,000
Salinas, CA 9 $ 7,185,000 $ 798,333 $ 1,939,000
Nashville-Davidson--Murfreesboro--Franklin, TN 8 $ 6,160,000 $ 770,000 $ 335,000
New Orleans-Metairie, LA 8 $ 5,910,000 $ 738,750 $ 229,000
Port St. Lucie, FL 8 $ 1,610,000 $ 201,250 $ 107,000
Amarillo, TX 7 $ 2,075,000 $ 296,428 $ 732,000
Boston, MA 7 $ 4,975,000 $ 710,714 $ 276,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 7 $ 5,395,000 $ 770,714 $ 973,000
Cambridge-Newton-Framingham, MA 6 $ 4,600,000 $ 766,666 $ 287,000
Grand Junction, CO 6 $ 1,020,000 $ 170,000 $ 330,000
Midland, TX 6 $ 2,380,000 $ 396,666 $ 282,000
Punta Gorda, FL 6 $ 1,030,000 $ 171,666 $ 102,000
Chattanooga, TN-GA 5 $ 1,915,000 $ 383,000 $ 342,400
Columbus, GA-AL 5 $ 945,000 $ 189,000 $ 116,200
San Angelo, TX 5 $ 845,000 $ 169,000 $ 117,000
Sebastian-Vero Beach, FL 5 $ 1,675,000 $ 335,000 $ 145,000
Yuba City, CA 5 $ 4,275,000 $ 855,000 $ 363,000
Chico, CA 4 $ 1,550,000 $ 387,500 $ 261,000
Wichita Falls, TX 4 $ 570,000 $ 142,500 $ 288,000
Boise City, ID 3 $ 2,905,000 $ 968,333 $ 344,000
El Centro, CA 3 $ 465,000 $ 155,000 $ 128,000
Farmington, NM 3 $ 255,000 $ 85,000 $ 66,000
New York-Jersey City-White Plains, NY-NJ 3 $ 1,925,000 $ 641,666 $ 0
Oklahoma City, OK 3 $ 1,935,000 $ 645,000 $ 256,000
Philadelphia, PA 3 $ 1,965,000 $ 655,000 $ 273,000
Reno, NV 3 $ 2,885,000 $ 961,666 $ 279,000
Virginia Beach-Norfolk-Newport News, VA-NC 3 $ 1,465,000 $ 488,333 $ 260,000
Akron, OH 2 $ 550,000 $ 275,000 $ 158,000
Augusta-Richmond County, GA-SC 2 $ 810,000 $ 405,000 $ 636,000
Bellingham, WA 2 $ 2,520,000 $ 1,260,000 $ 290,000
Bremerton-Silverdale, WA 2 $ 2,030,000 $ 1,015,000 $ 303,000
Cleveland-Elyria, OH 2 $ 710,000 $ 355,000 $ 345,000
Columbus, OH 2 $ 800,000 $ 400,000 $ 333,000
Harrisburg-Carlisle, PA 2 $ 790,000 $ 395,000 $ 539,000
Houma-Thibodaux, LA 2 $ 1,000,000 $ 500,000 $ 356,000
Macon-Bibb County, GA 2 $ 190,000 $ 95,000 $ 117,000
Medford, OR 2 $ 1,570,000 $ 785,000 $ 1,685,000
Memphis, TN-MS-AR 2 $ 990,000 $ 495,000 $ 193,000
Redding, CA 2 $ 1,720,000 $ 860,000 $ 1,004,000
Richmond, VA 2 $ 760,000 $ 380,000 $ 124,000
Tacoma-Lakewood, WA 2 $ 1,530,000 $ 765,000 $ 373,000
Tulsa, OK 2 $ 490,000 $ 245,000 $ 87,000
Victoria, TX 2 $ 410,000 $ 205,000 $ 115,000
Yuma, AZ 2 $ 1,750,000 $ 875,000 $ 51,000
Bend-Redmond, OR 1 $ 995,000 $ 995,000 $ 333,000
Brunswick, GA 1 $ 1,145,000 $ 1,145,000 $ 253,000
Clarksville, TN-KY 1 $ 695,000 $ 695,000 $ 260,000
Cleveland, TN 1 $ 105,000 $ 105,000 $ 85,000
Coeur D'Alene, ID 1 $ 275,000 $ 275,000 $ 70,000
Corvallis, OR 1 $ 605,000 $ 605,000 $ 280,000
Fayetteville-Springdale-Rogers, AR-MO 1 $ 1,325,000 $ 1,325,000 $ 520,000
Gainesville, GA 1 $ 155,000 $ 155,000 $ 580,000
Hot Springs, AR 1 $ 105,000 $ 105,000 $ 33,000
Idaho Falls, ID 1 $ 1,215,000 $ 1,215,000 $ 1,199,000
Kansas City, MO-KS 1 $ 625,000 $ 625,000 $ 620,000
Lafayette, LA 1 $ 105,000 $ 105,000 $ 52,000
Little Rock-North Little Rock-Conway, AR 1 $ 155,000 $ 155,000 $ 44,000
Manhattan, KS 1 $ 155,000 $ 155,000 $ 87,000
Montgomery County-Bucks County-Chester County, PA 1 $ 755,000 $ 755,000 $ 396,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 1 $ 135,000 $ 135,000 $ 66,000
Olympia-Tumwater, WA 1 $ 1,225,000 $ 1,225,000 $ 1,092,000
Pine Bluff, AR 1 $ 65,000 $ 65,000 $ 39,000
Scranton--Wilkes-Barre--Hazleton, PA 1 $ 215,000 $ 215,000 $ 113,000
Tallahassee, FL 1 $ 635,000 $ 635,000 $ 211,000
The Villages, FL 1 $ 525,000 $ 525,000 $ 186,000
Valdosta, GA 1 $ 145,000 $ 145,000 $ 110,000

Mortgage Loan Application Detail Totals for BBVA USA in 2021

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 5,237 $3,641,675,000 $695,000 $7,205,000 $291,000 $9,600,000
Refinancing 4,681 $2,049,515,000 $437,000 $6,875,000 $253,000 $7,380,000
Other Purpose 4,583 $824,775,000 $179,000 $3,005,000 $193,000 $8,400,000
Cash-out Refinancing 4,434 $1,493,720,000 $336,000 $5,805,000 $198,000 $9,900,000
Home Improvement 3,463 $516,905,000 $149,000 $2,005,000 $174,000 $6,020,000
Not Applicable 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
White 11,621 $4,522,415,000 $389,000 $6,875,000 $234,000 $8,400,000
Hispanic 4,646 $1,109,280,000 $238,000 $6,005,000 $153,000 $5,420,000
Not Provided 2,561 $1,334,595,000 $521,000 $5,845,000 $308,000 $9,900,000
Asian 1,614 $953,910,000 $591,000 $7,205,000 $309,000 $9,600,000
Black or African American 1,418 $335,930,000 $236,000 $2,445,000 $154,000 $4,340,000
American Indian or Alaskan Native 151 $43,245,000 $286,000 $1,925,000 $178,000 $1,139,000
Native Hawaiian or Other Pacific Islander 36 $8,510,000 $236,000 $885,000 $149,000 $1,548,000
Not applicable 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) 22,196 $8,486,390,000 $382,000 $7,205,000 $228,000 $9,900,000
FHA-insured (Federal Housing Administration) 153 $29,235,000 $191,000 $505,000 $66,000 $608,000
VA-guaranteed (Veterans Administration) 39 $8,995,000 $230,000 $355,000 $82,000 $199,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $1,970,000 $197,000 $325,000 $58,000 $82,000

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 10,860 $4,790,320,000 $441,000 $6,005,000 $240,000 $7,913,000
Application Denied By Financial Institution 5,394 $1,201,090,000 $222,000 $5,845,000 $172,000 $8,400,000
File Closed For Incompleteness 3,004 $1,222,460,000 $406,000 $7,205,000 $259,000 $9,900,000
Application Withdrawn By Applicant 2,979 $1,259,425,000 $422,000 $6,705,000 $244,000 $8,724,000
Application Approved But Not Accepted 161 $53,295,000 $331,000 $3,445,000 $202,000 $2,010,000
Loan Purchased By The 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
Not applicable 17,004 $7,325,500,000 $430,000 $7,205,000 $244,000 $9,900,000
Debt-To-Income Ratio 2,313 $575,085,000 $248,000 $5,845,000 $97,000 $4,200,000
Credit History 1,031 $180,035,000 $174,000 $4,565,000 $173,000 $5,040,000
Collateral 1,028 $210,100,000 $204,000 $3,505,000 $225,000 $5,040,000
Credit Application Incomplete 616 $109,380,000 $177,000 $5,005,000 $288,000 $8,400,000
Other 198 $80,910,000 $408,000 $3,695,000 $282,000 $3,035,000
Unverifiable Information 184 $40,260,000 $218,000 $2,205,000 $289,000 $5,460,000
Insufficient Cash (Downpayment, Closing Cost) 15 $3,615,000 $241,000 $765,000 $96,000 $291,000
Employment History 8 $1,580,000 $197,000 $455,000 $125,000 $359,000
Mortgage Insurance Denied 1 $125,000 $125,000 $125,000 $72,000 $72,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into BBVA USA's 2021 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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