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Disclosure Act (HMDA) records BBVA USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Baytown-Sugar Land, TX | 1,406 | $ 163,474,000 | $ 116,268 | $ 111,000 |
| Dallas-Plano-Irving, TX | 1,098 | $ 152,525,000 | $ 138,911 | $ 109,000 |
| Birmingham-Hoover, AL | 1,084 | $ 148,100,000 | $ 136,623 | $ 75,000 |
| San Antonio, TX | 875 | $ 129,309,000 | $ 147,781 | $ 121,000 |
| Jacksonville, FL | 730 | $ 91,932,000 | $ 125,934 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 669 | $ 131,631,000 | $ 196,757 | $ 128,000 |
| Austin-Round Rock, TX | 565 | $ 101,359,000 | $ 179,396 | $ 96,000 |
| Fort Worth-Arlington, TX | 441 | $ 34,943,000 | $ 79,235 | $ 77,000 |
| Mobile, AL | 435 | $ 35,709,000 | $ 82,089 | $ 65,000 |
| Tucson, AZ | 414 | $ 54,018,000 | $ 130,478 | $ 56,000 |
| Huntsville, AL | 382 | $ 67,194,000 | $ 175,900 | $ 76,000 |
| Denver-Aurora, CO | 346 | $ 58,107,000 | $ 167,939 | $ 96,000 |
| Montgomery, AL | 302 | $ 41,130,000 | $ 136,192 | $ 83,000 |
| Albuquerque, NM | 237 | $ 26,032,000 | $ 109,839 | $ 63,000 |
| Killeen-Temple-Fort Hood, TX | 178 | $ 19,024,000 | $ 106,876 | $ 93,000 |
| Florence-Muscle Shoals, AL | 168 | $ 19,367,000 | $ 115,279 | $ 55,000 |
| Gainesville, FL | 145 | $ 29,591,000 | $ 204,075 | $ 63,000 |
| Tuscaloosa, AL | 140 | $ 19,079,000 | $ 136,278 | $ 66,000 |
| Pensacola-Ferry Pass-Brent, FL | 133 | $ 21,215,000 | $ 159,511 | $ 83,000 |
| Decatur, AL | 117 | $ 14,191,000 | $ 121,290 | $ 61,000 |
| Dothan, AL | 117 | $ 11,414,000 | $ 97,555 | $ 59,000 |
| Tampa-St. Petersburg-Clearwater, FL | 113 | $ 14,737,000 | $ 130,415 | $ 61,000 |
| Auburn-Opelika, AL | 97 | $ 16,550,000 | $ 170,618 | $ 116,000 |
| College Station-Bryan, TX | 91 | $ 11,610,000 | $ 127,582 | $ 77,000 |
| Fort Walton Beach-Crestview-Destin, FL | 89 | $ 13,419,000 | $ 150,775 | $ 83,000 |
| Gadsden, AL | 89 | $ 10,018,000 | $ 112,561 | $ 60,000 |
| Flagstaff, AZ | 88 | $ 16,501,000 | $ 187,511 | $ 81,000 |
| Waco, TX | 83 | $ 8,986,000 | $ 108,265 | $ 74,000 |
| Anniston-Oxford, AL | 75 | $ 6,474,000 | $ 86,320 | $ 56,000 |
| Prescott, AZ | 71 | $ 10,000,000 | $ 140,845 | $ 67,000 |
| Atlanta-Sandy Springs-Marietta, GA | 55 | $ 31,266,000 | $ 568,472 | $ 74,000 |
| Boulder, CO | 47 | $ 10,636,000 | $ 226,297 | $ 177,000 |
| Yuma, AZ | 38 | $ 2,455,000 | $ 64,605 | $ 50,000 |
| Ocala, FL | 32 | $ 5,075,000 | $ 158,593 | $ 57,000 |
| Colorado Springs, CO | 27 | $ 1,913,000 | $ 70,851 | $ 65,000 |
| Fort Collins-Loveland, CO | 27 | $ 4,531,000 | $ 167,814 | $ 59,000 |
| Corpus Christi, TX | 24 | $ 3,088,000 | $ 128,666 | $ 215,000 |
| Panama City-Lynn Haven, FL | 15 | $ 3,714,000 | $ 247,600 | $ 275,000 |
| Greeley, CO | 14 | $ 1,689,000 | $ 120,642 | $ 44,000 |
| Tallahassee, FL | 12 | $ 981,000 | $ 81,750 | $ 57,000 |
| Orlando, FL | 10 | $ 495,000 | $ 49,500 | $ 50,000 |
| San Diego-Carlsbad-San Marcos, CA | 10 | $ 8,570,000 | $ 857,000 | $ 686,000 |
| Santa Fe, NM | 10 | $ 1,713,000 | $ 171,300 | $ 79,000 |
| Sherman-Denison, TX | 10 | $ 484,000 | $ 48,400 | $ 65,000 |
| Dalton, GA | 9 | $ 522,000 | $ 58,000 | $ 34,000 |
| Columbus, GA-AL | 7 | $ 254,000 | $ 36,285 | $ 38,000 |
| Grand Junction, CO | 6 | $ 855,000 | $ 142,500 | $ 53,000 |
| Lakeland, FL | 6 | $ 588,000 | $ 98,000 | $ 58,000 |
| Tyler, TX | 6 | $ 1,051,000 | $ 175,166 | $ 224,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 446,000 | $ 89,200 | $ 61,000 |
| Macon, GA | 5 | $ 211,000 | $ 42,200 | $ 53,000 |
| Pascagoula, MS | 5 | $ 17,336,000 | $ 3,467,200 | $ 27,000 |
| Pueblo, CO | 5 | $ 263,000 | $ 52,600 | $ 40,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 1,087,000 | $ 217,400 | $ 181,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 24,871,000 | $ 4,974,200 | $ 1,844,000 |
| Athens-Clarke County, GA | 4 | $ 3,549,000 | $ 887,250 | $ 27,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 1,156,000 | $ 289,000 | $ 65,000 |
| Las Vegas-Paradise, NV | 4 | $ 895,000 | $ 223,750 | $ 332,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,800,000 | $ 700,000 | $ 1,319,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 1,685,000 | $ 421,250 | $ 300,000 |
| Brownsville-Harlingen, TX | 3 | $ 292,000 | $ 97,333 | $ 162,000 |
| Brunswick, GA | 3 | $ 940,000 | $ 313,333 | $ 284,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 2,260,000 | $ 753,333 | $ 538,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 830,000 | $ 276,666 | $ 786,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,192,000 | $ 397,333 | $ 113,000 |
| Oklahoma City, OK | 3 | $ 514,000 | $ 171,333 | $ 49,000 |
| Olympia, WA | 3 | $ 965,000 | $ 321,666 | $ 262,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 412,000 | $ 137,333 | $ 66,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 811,000 | $ 270,333 | $ 131,000 |
| Victoria, TX | 3 | $ 321,000 | $ 107,000 | $ 68,000 |
| Abilene, TX | 2 | $ 628,000 | $ 314,000 | $ 132,000 |
| Amarillo, TX | 2 | $ 122,000 | $ 61,000 | $ 49,000 |
| Baltimore-Towson, MD | 2 | $ 1,152,000 | $ 576,000 | $ 2,025,000 |
| Baton Rouge, LA | 2 | $ 285,000 | $ 142,500 | $ 59,000 |
| El Paso, TX | 2 | $ 115,000 | $ 57,500 | $ 48,000 |
| Las Cruces, NM | 2 | $ 153,000 | $ 76,500 | $ 52,000 |
| Naples-Marco Island, FL | 2 | $ 2,310,000 | $ 1,155,000 | $ 22,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 477,000 | $ 238,500 | $ 265,000 |
| New York-Wayne-White Plains, NY-NJ | 2 | $ 2,521,000 | $ 1,260,500 | $ 869,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 215,000 | $ 107,500 | $ 79,000 |
| Punta Gorda, FL | 2 | $ 170,000 | $ 85,000 | $ 83,000 |
| San Angelo, TX | 2 | $ 165,000 | $ 82,500 | $ 191,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,275,000 | $ 637,500 | $ 239,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,280,000 | $ 640,000 | $ 416,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 10,264,000 | $ 5,132,000 | $ 107,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 440,000 | $ 440,000 | $ 122,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 277,000 | $ 277,000 | $ 71,000 |
| Camden, NJ | 1 | $ 79,000 | $ 79,000 | $ 31,000 |
| Charleston-North Charleston, SC | 1 | $ 197,000 | $ 197,000 | $ 37,000 |
| Chattanooga, TN-GA | 1 | $ 128,000 | $ 128,000 | $ 156,000 |
| Dayton, OH | 1 | $ 143,000 | $ 143,000 | $ 90,000 |
| Durham, NC | 1 | $ 133,000 | $ 133,000 | $ 39,000 |
| Farmington, NM | 1 | $ 180,000 | $ 180,000 | $ 48,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 10,000 | $ 10,000 | $ 81,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 18,000,000 | $ 18,000,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 192,000 | $ 192,000 | $ 82,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 42,000 | $ 42,000 | $ 28,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 44,000 | $ 44,000 | $ 23,000 |
| Honolulu, HI | 1 | $ 1,000,000 | $ 1,000,000 | $ 71,000 |
| Iowa City, IA | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Jackson, MS | 1 | $ 213,000 | $ 213,000 | $ 160,000 |
| Jackson, TN | 1 | $ 385,000 | $ 385,000 | $ 300,000 |
| Jacksonville, NC | 1 | $ 360,000 | $ 360,000 | $ 432,000 |
| Laredo, TX | 1 | $ 29,000 | $ 29,000 | $ 56,000 |
| Lawton, OK | 1 | $ 153,000 | $ 153,000 | $ 59,000 |
| Logan, UT-ID | 1 | $ 404,000 | $ 404,000 | $ 100,000 |
| Lubbock, TX | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Midland, TX | 1 | $ 182,000 | $ 182,000 | $ 96,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 334,000 | $ 334,000 | $ 114,000 |
| Odessa, TX | 1 | $ 20,000 | $ 20,000 | $ 96,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 580,000 | $ 580,000 | $ 393,000 |
| Provo-Orem, UT | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Raleigh-Cary, NC | 1 | $ 25,000,000 | $ 25,000,000 | $ 0 |
| Richmond, VA | 1 | $ 14,000,000 | $ 14,000,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 1,200,000 | $ 1,200,000 | $ 1,117,000 |
| Rome, GA | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 88,000 | $ 88,000 | $ 40,000 |
| Salt Lake City, UT | 1 | $ 568,000 | $ 568,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 500,000 | $ 500,000 | $ 156,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 1,940,000 | $ 1,940,000 | $ 780,000 |
| Savannah, GA | 1 | $ 62,000 | $ 62,000 | $ 53,000 |
| Shreveport-Bossier City, LA | 1 | $ 138,000 | $ 138,000 | $ 33,000 |
| St. Louis, MO-IL | 1 | $ 198,000 | $ 198,000 | $ 120,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 132,000 | $ 132,000 | $ 44,000 |
| Vero Beach, FL | 1 | $ 320,000 | $ 320,000 | $ 143,000 |
| Warner Robins, GA | 1 | $ 182,000 | $ 182,000 | $ 59,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 190,000 | $ 190,000 | $ 133,000 |
| Wichita Falls, TX | 1 | $ 50,000 | $ 50,000 | $ 641,000 |
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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