BBVA USA Mortgage Lending & HMDA Data, 2005
In 2005, BBVA USA of Birmingham, AL reported 11,731 mortgage applications totaling $2.1 billion, down 8% from 2004. The average application was for $175,015, and applicants reported an average income of $99,131. 58% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (1,114), Birmingham-Hoover, AL (1,074) and Jacksonville, FL (1,024) (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 | 11,731 |
| Total Mortgage Loan Application Amount | $2,053,106,000 |
| Average Mortgage Loan Application Amount | $175,015 |
| Highest Mortgage Loan Application Amount | $35,739,000 |
| Average Applicant Income | $99,131 |
| Highest Applicant Income | $8,324,000 |
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Disclosure Act (HMDA) records BBVA USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,114 | $ 152,689,000 | $ 137,063 | $ 108,000 |
| Birmingham-Hoover, AL | 1,074 | $ 145,004,000 | $ 135,013 | $ 69,000 |
| Jacksonville, FL | 1,024 | $ 131,905,000 | $ 128,813 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 848 | $ 182,058,000 | $ 214,691 | $ 71,000 |
| Dallas-Plano-Irving, TX | 804 | $ 90,480,000 | $ 112,537 | $ 146,000 |
| San Antonio, TX | 591 | $ 112,523,000 | $ 190,394 | $ 129,000 |
| Mobile, AL | 484 | $ 37,040,000 | $ 76,528 | $ 66,000 |
| Austin-Round Rock, TX | 453 | $ 74,144,000 | $ 163,673 | $ 106,000 |
| Huntsville, AL | 451 | $ 73,545,000 | $ 163,070 | $ 80,000 |
| Tucson, AZ | 450 | $ 61,317,000 | $ 136,260 | $ 100,000 |
| Fort Worth-Arlington, TX | 364 | $ 49,490,000 | $ 135,961 | $ 90,000 |
| Denver-Aurora, CO | 352 | $ 49,822,000 | $ 141,539 | $ 75,000 |
| Montgomery, AL | 282 | $ 45,240,000 | $ 160,425 | $ 87,000 |
| Pensacola-Ferry Pass-Brent, FL | 234 | $ 30,096,000 | $ 128,615 | $ 81,000 |
| Albuquerque, NM | 200 | $ 23,970,000 | $ 119,850 | $ 98,000 |
| Tuscaloosa, AL | 176 | $ 25,767,000 | $ 146,403 | $ 78,000 |
| Decatur, AL | 138 | $ 16,902,000 | $ 122,478 | $ 90,000 |
| Dothan, AL | 134 | $ 17,977,000 | $ 134,156 | $ 86,000 |
| Fort Walton Beach-Crestview-Destin, FL | 132 | $ 21,809,000 | $ 165,219 | $ 77,000 |
| Gainesville, FL | 132 | $ 20,232,000 | $ 153,272 | $ 152,000 |
| Florence-Muscle Shoals, AL | 121 | $ 11,224,000 | $ 92,760 | $ 65,000 |
| Auburn-Opelika, AL | 117 | $ 24,713,000 | $ 211,222 | $ 89,000 |
| Killeen-Temple-Fort Hood, TX | 103 | $ 11,512,000 | $ 111,766 | $ 71,000 |
| Tampa-St. Petersburg-Clearwater, FL | 82 | $ 20,856,000 | $ 254,341 | $ 124,000 |
| Anniston-Oxford, AL | 75 | $ 6,539,000 | $ 87,186 | $ 39,000 |
| College Station-Bryan, TX | 75 | $ 9,301,000 | $ 124,013 | $ 82,000 |
| Prescott, AZ | 68 | $ 10,354,000 | $ 152,264 | $ 61,000 |
| Gadsden, AL | 67 | $ 4,980,000 | $ 74,328 | $ 51,000 |
| Ocala, FL | 63 | $ 10,275,000 | $ 163,095 | $ 85,000 |
| Waco, TX | 55 | $ 5,655,000 | $ 102,818 | $ 85,000 |
| Boulder, CO | 37 | $ 7,911,000 | $ 213,810 | $ 72,000 |
| Flagstaff, AZ | 37 | $ 9,309,000 | $ 251,594 | $ 117,000 |
| Greeley, CO | 29 | $ 1,677,000 | $ 57,827 | $ 53,000 |
| Corpus Christi, TX | 25 | $ 4,775,000 | $ 191,000 | $ 238,000 |
| Fort Collins-Loveland, CO | 24 | $ 3,914,000 | $ 163,083 | $ 73,000 |
| Orlando, FL | 22 | $ 17,758,000 | $ 807,181 | $ 114,000 |
| Panama City-Lynn Haven, FL | 21 | $ 7,790,000 | $ 370,952 | $ 167,000 |
| Yuma, AZ | 21 | $ 1,896,000 | $ 90,285 | $ 90,000 |
| Colorado Springs, CO | 16 | $ 4,835,000 | $ 302,187 | $ 159,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 56,843,000 | $ 3,789,533 | $ 66,000 |
| Atlanta-Sandy Springs-Marietta, GA | 13 | $ 48,676,000 | $ 3,744,307 | $ 107,000 |
| Santa Fe, NM | 11 | $ 3,520,000 | $ 320,000 | $ 191,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 45,797,000 | $ 5,088,555 | $ 156,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 11,977,000 | $ 1,330,777 | $ 104,000 |
| Tallahassee, FL | 8 | $ 4,806,000 | $ 600,750 | $ 70,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 8 | $ 1,450,000 | $ 181,250 | $ 89,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 6,386,000 | $ 912,285 | $ 267,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 10,799,000 | $ 1,542,714 | $ 273,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 4,964,000 | $ 827,333 | $ 136,000 |
| New York-Wayne-White Plains, NY-NJ | 6 | $ 6,228,000 | $ 1,038,000 | $ 988,000 |
| Pueblo, CO | 6 | $ 147,000 | $ 24,500 | $ 34,000 |
| Sarasota-Bradenton-Venice, FL | 6 | $ 973,000 | $ 162,166 | $ 186,000 |
| Brownsville-Harlingen, TX | 5 | $ 251,000 | $ 50,200 | $ 107,000 |
| Chicago-Naperville-Joliet, IL | 5 | $ 7,678,000 | $ 1,535,600 | $ 93,000 |
| Nashville-Davidson--Murfreesboro, TN | 5 | $ 963,000 | $ 192,600 | $ 112,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 1,878,000 | $ 375,600 | $ 89,000 |
| Sherman-Denison, TX | 5 | $ 557,000 | $ 111,400 | $ 147,000 |
| Abilene, TX | 4 | $ 65,000 | $ 16,250 | $ 63,000 |
| Jackson, MS | 4 | $ 671,000 | $ 167,750 | $ 70,000 |
| McAllen-Edinburg-Pharr, TX | 4 | $ 93,000 | $ 23,250 | $ 107,000 |
| Baton Rouge, LA | 3 | $ 1,840,000 | $ 613,333 | $ 448,000 |
| Beaumont-Port Arthur, TX | 3 | $ 53,000 | $ 17,666 | $ 99,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 3,508,000 | $ 1,169,333 | $ 709,000 |
| Honolulu, HI | 3 | $ 1,710,000 | $ 570,000 | $ 531,000 |
| Knoxville, TN | 3 | $ 431,000 | $ 143,666 | $ 324,000 |
| Longview, TX | 3 | $ 97,000 | $ 32,333 | $ 48,000 |
| Lubbock, TX | 3 | $ 231,000 | $ 77,000 | $ 80,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 65,000 | $ 21,666 | $ 68,000 |
| Amarillo, TX | 2 | $ 64,000 | $ 32,000 | $ 58,000 |
| Athens-Clarke County, GA | 2 | $ 16,700,000 | $ 8,350,000 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 365,000 | $ 182,500 | $ 185,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 316,000 | $ 158,000 | $ 79,000 |
| Durham, NC | 2 | $ 329,000 | $ 164,500 | $ 51,000 |
| El Paso, TX | 2 | $ 639,000 | $ 319,500 | $ 236,000 |
| Grand Junction, CO | 2 | $ 25,000 | $ 12,500 | $ 82,000 |
| Kansas City, MO-KS | 2 | $ 310,000 | $ 155,000 | $ 20,000 |
| Lakeland, FL | 2 | $ 13,000 | $ 6,500 | $ 56,000 |
| Las Cruces, NM | 2 | $ 260,000 | $ 130,000 | $ 47,000 |
| Pascagoula, MS | 2 | $ 750,000 | $ 375,000 | $ 173,000 |
| Pittsburgh, PA | 2 | $ 239,000 | $ 119,500 | $ 67,000 |
| Salt Lake City, UT | 2 | $ 895,000 | $ 447,500 | $ 36,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 460,000 | $ 230,000 | $ 79,000 |
| Tacoma, WA | 2 | $ 692,000 | $ 346,000 | $ 117,000 |
| Wichita Falls, TX | 2 | $ 366,000 | $ 183,000 | $ 136,000 |
| Anchorage, AK | 1 | $ 336,000 | $ 336,000 | $ 2,349,000 |
| Barnstable Town, MA | 1 | $ 442,000 | $ 442,000 | $ 102,000 |
| Bellingham, WA | 1 | $ 233,000 | $ 233,000 | $ 100,000 |
| Billings, MT | 1 | $ 420,000 | $ 420,000 | $ 237,000 |
| Boston-Quincy, MA | 1 | $ 250,000 | $ 250,000 | $ 49,000 |
| Bowling Green, KY | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Brunswick, GA | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 19,200,000 | $ 19,200,000 | $ 0 |
| Cheyenne, WY | 1 | $ 202,000 | $ 202,000 | $ 46,000 |
| Coeur D'Alene, ID | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Columbia, MO | 1 | $ 133,000 | $ 133,000 | $ 40,000 |
| Gainesville, GA | 1 | $ 267,000 | $ 267,000 | $ 75,000 |
| Gary, IN | 1 | $ 140,000 | $ 140,000 | $ 23,000 |
| Greenville, SC | 1 | $ 220,000 | $ 220,000 | $ 724,000 |
| Gulfport-Biloxi, MS | 1 | $ 285,000 | $ 285,000 | $ 281,000 |
| Harrisburg-Carlisle, PA | 1 | $ 150,000 | $ 150,000 | $ 41,000 |
| Indianapolis, IN | 1 | $ 250,000 | $ 250,000 | $ 87,000 |
| Iowa City, IA | 1 | $ 158,000 | $ 158,000 | $ 41,000 |
| Johnson City, TN | 1 | $ 200,000 | $ 200,000 | $ 225,000 |
| Kalamazoo-Portage, MI | 1 | $ 405,000 | $ 405,000 | $ 300,000 |
| La Crosse, WI-MN | 1 | $ 141,000 | $ 141,000 | $ 72,000 |
| Laredo, TX | 1 | $ 161,000 | $ 161,000 | $ 180,000 |
| Las Vegas-Paradise, NV | 1 | $ 212,000 | $ 212,000 | $ 60,000 |
| Lexington-Fayette, KY | 1 | $ 127,000 | $ 127,000 | $ 72,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 200,000 | $ 200,000 | $ 53,000 |
| Louisville, KY-IN | 1 | $ 11,000 | $ 11,000 | $ 11,000 |
| Macon, GA | 1 | $ 13,140,000 | $ 13,140,000 | $ 0 |
| Madison, WI | 1 | $ 206,000 | $ 206,000 | $ 42,000 |
| Memphis, TN-MS-AR | 1 | $ 259,000 | $ 259,000 | $ 42,000 |
| Midland, TX | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Morristown, TN | 1 | $ 78,000 | $ 78,000 | $ 64,000 |
| Naples-Marco Island, FL | 1 | $ 375,000 | $ 375,000 | $ 56,000 |
| Ogden-Clearfield, UT | 1 | $ 108,000 | $ 108,000 | $ 179,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 46,000 | $ 46,000 | $ 1,049,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 537,000 | $ 537,000 | $ 1,334,000 |
| Philadelphia, PA | 1 | $ 249,000 | $ 249,000 | $ 41,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 500,000 | $ 500,000 | $ 233,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 268,000 | $ 268,000 | $ 72,000 |
| Rochester, MN | 1 | $ 159,000 | $ 159,000 | $ 150,000 |
| Savannah, GA | 1 | $ 126,000 | $ 126,000 | $ 39,000 |
| Shreveport-Bossier City, LA | 1 | $ 154,000 | $ 154,000 | $ 36,000 |
| Sioux City, IA-NE-SD | 1 | $ 184,000 | $ 184,000 | $ 93,000 |
| Toledo, OH | 1 | $ 96,000 | $ 96,000 | $ 360,000 |
| Tyler, TX | 1 | $ 410,000 | $ 410,000 | $ 346,000 |
| Victoria, TX | 1 | $ 198,000 | $ 198,000 | $ 94,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 124,000 | $ 124,000 | $ 42,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 18,300,000 | $ 18,300,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 6,900,000 | $ 6,900,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 6,500,000 | $ 6,500,000 | $ 0 |
Mortgage Loan Application Detail Totals for BBVA USA in 2005
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 | 4,334 | $1,134,849,000 | $802,684 | $35,739,000 | $272,894 | $4,700,000 |
| Refinancing | 3,801 | $800,570,000 | $1,562,678 | $20,500,000 | $163,392 | $8,324,000 |
| Home Improvement | 3,596 | $117,687,000 | $22,200 | $1,000,000 | $52,900 | $3,000,000 |
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 | 5,884 | $1,172,267,000 | $305,594 | $3,437,000 | $257,135 | $8,324,000 |
| Not Provided | 4,090 | $286,354,000 | $136,263 | $2,800,000 | $81,105 | $4,700,000 |
| Hispanic | 687 | $93,863,000 | $285,272 | $4,020,000 | $240,818 | $1,700,000 |
| Black or African American | 615 | $64,036,000 | $330,416 | $3,000,000 | $309,666 | $3,931,000 |
| Not applicable | 205 | $381,333,000 | $6,105,117 | $35,739,000 | $6,647 | $518,000 |
| Asian | 184 | $39,891,000 | $272,750 | $2,500,000 | $154,916 | $1,833,000 |
| American Indian or Alaskan Native | 46 | $11,146,000 | $429,000 | $1,969,000 | $177,857 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $4,216,000 | $312,600 | $800,000 | $115,600 | $346,000 |
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) | 11,541 | $2,027,844,000 | $1,321,414 | $35,739,000 | $219,390 | $8,324,000 |
| FHA-insured (Federal Housing Administration) | 113 | $13,420,000 | $126,666 | $238,000 | $42,333 | $147,000 |
| VA-guaranteed (Veterans Administration) | 76 | $11,751,000 | $165,833 | $246,000 | $57,833 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $91,000 | $91,000 | $91,000 | $35,000 | $35,000 |
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 | 6,789 | $1,444,256,000 | $1,624,538 | $21,542,000 | $247,076 | $4,700,000 |
| Application Denied By Financial Institution | 2,709 | $182,421,000 | $659,388 | $35,739,000 | $85,888 | $1,788,000 |
| Application Withdrawn By Applicant | 1,700 | $324,424,000 | $1,182,705 | $20,500,000 | $152,176 | $1,904,000 |
| Application Approved But Not Accepted | 275 | $54,776,000 | $338,222 | $2,000,000 | $179,222 | $8,324,000 |
| File Closed For Incompleteness | 200 | $41,215,000 | $169,857 | $2,800,000 | $88,428 | $1,584,000 |
| Loan Purchased By The Institution | 58 | $6,014,000 | $106,000 | $155,000 | $87,800 | $258,000 |
| 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 | 1,852 | $61,888,000 | $69,200 | $1,100,000 | $67,700 | $1,788,000 |
| Debt-To-Income Ratio | 478 | $30,979,000 | $216,750 | $1,100,000 | $55,500 | $500,000 |
| Collateral | 188 | $11,703,000 | $77,272 | $593,000 | $102,545 | $530,000 |
| Other | 117 | $73,023,000 | $1,465,375 | $35,739,000 | $53,875 | $992,000 |
| Employment History | 41 | $1,864,000 | $48,250 | $196,000 | $60,250 | $409,000 |
| Credit Application Incomplete | 18 | $1,592,000 | $83,250 | $350,000 | $94,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $858,000 | $125,250 | $228,000 | $85,250 | $156,000 |
| Unverifiable Information | 5 | $514,000 | $107,666 | $132,000 | $742,333 | $1,716,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BBVA USA's 2005 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.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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