BBVA USA Mortgage Lending & HMDA Data, 2008
In 2008, BBVA USA of Birmingham, AL reported 17,566 mortgage applications totaling $3.3 billion, up 59% from 2007. The average application was for $188,757, and applicants reported an average income of $116,063. 47% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (2,711), San Antonio, TX (1,297) and Dallas-Plano-Irving, TX (1,011) (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 | 17,566 |
| Total Mortgage Loan Application Amount | $3,315,716,000 |
| Average Mortgage Loan Application Amount | $188,757 |
| Highest Mortgage Loan Application Amount | $13,600,000 |
| Average Applicant Income | $116,063 |
| Highest Applicant Income | $8,899,000 |
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Disclosure Act (HMDA) records BBVA USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,711 | $ 469,111,000 | $ 173,039 | $ 102,000 |
| San Antonio, TX | 1,297 | $ 249,646,000 | $ 192,479 | $ 118,000 |
| Dallas-Plano-Irving, TX | 1,011 | $ 192,551,000 | $ 190,455 | $ 158,000 |
| Austin-Round Rock, TX | 962 | $ 212,454,000 | $ 220,846 | $ 84,000 |
| Laredo, TX | 950 | $ 70,485,000 | $ 74,194 | $ 61,000 |
| Phoenix-Mesa-Scottsdale, AZ | 933 | $ 279,502,000 | $ 299,573 | $ 135,000 |
| Birmingham-Hoover, AL | 856 | $ 171,272,000 | $ 200,084 | $ 111,000 |
| Jacksonville, FL | 689 | $ 168,099,000 | $ 243,975 | $ 127,000 |
| McAllen-Edinburg-Mission, TX | 678 | $ 62,375,000 | $ 91,998 | $ 75,000 |
| Denver-Aurora, CO | 657 | $ 157,298,000 | $ 239,418 | $ 124,000 |
| Fort Worth-Arlington, TX | 566 | $ 92,499,000 | $ 163,425 | $ 131,000 |
| Brownsville-Harlingen, TX | 404 | $ 31,397,000 | $ 77,715 | $ 61,000 |
| Mobile, AL | 324 | $ 44,131,000 | $ 136,206 | $ 107,000 |
| Huntsville, AL | 308 | $ 76,900,000 | $ 249,675 | $ 159,000 |
| Tucson, AZ | 274 | $ 44,710,000 | $ 163,175 | $ 122,000 |
| Albuquerque, NM | 273 | $ 53,344,000 | $ 195,399 | $ 104,000 |
| Montgomery, AL | 262 | $ 38,887,000 | $ 148,423 | $ 84,000 |
| Beaumont-Port Arthur, TX | 241 | $ 30,677,000 | $ 127,290 | $ 57,000 |
| Corpus Christi, TX | 206 | $ 18,443,000 | $ 89,529 | $ 89,000 |
| El Paso, TX | 155 | $ 21,335,000 | $ 137,645 | $ 89,000 |
| Killeen-Temple-Fort Hood, TX | 146 | $ 18,023,000 | $ 123,445 | $ 95,000 |
| Tuscaloosa, AL | 144 | $ 25,397,000 | $ 176,368 | $ 119,000 |
| College Station-Bryan, TX | 129 | $ 26,784,000 | $ 207,627 | $ 162,000 |
| Auburn-Opelika, AL | 105 | $ 29,006,000 | $ 276,247 | $ 180,000 |
| Pensacola-Ferry Pass-Brent, FL | 102 | $ 20,595,000 | $ 201,911 | $ 152,000 |
| Anniston-Oxford, AL | 88 | $ 9,344,000 | $ 106,181 | $ 60,000 |
| Florence-Muscle Shoals, AL | 88 | $ 12,897,000 | $ 146,556 | $ 92,000 |
| Dothan, AL | 82 | $ 15,189,000 | $ 185,231 | $ 96,000 |
| Boulder, CO | 76 | $ 22,668,000 | $ 298,263 | $ 128,000 |
| Gainesville, FL | 75 | $ 15,697,000 | $ 209,293 | $ 155,000 |
| Decatur, AL | 74 | $ 10,091,000 | $ 136,364 | $ 58,000 |
| Fort Walton Beach-Crestview-Destin, FL | 72 | $ 18,035,000 | $ 250,486 | $ 243,000 |
| Savannah, GA | 71 | $ 13,828,000 | $ 194,760 | $ 1,000 |
| Panama City-Lynn Haven, FL | 63 | $ 25,693,000 | $ 407,825 | $ 399,000 |
| Prescott, AZ | 63 | $ 18,877,000 | $ 299,634 | $ 129,000 |
| Waco, TX | 59 | $ 7,313,000 | $ 123,949 | $ 69,000 |
| Gadsden, AL | 56 | $ 5,553,000 | $ 99,160 | $ 66,000 |
| Flagstaff, AZ | 52 | $ 16,833,000 | $ 323,711 | $ 211,000 |
| Fort Collins-Loveland, CO | 52 | $ 9,927,000 | $ 190,903 | $ 94,000 |
| Greeley, CO | 51 | $ 9,534,000 | $ 186,941 | $ 85,000 |
| Colorado Springs, CO | 46 | $ 11,514,000 | $ 250,304 | $ 125,000 |
| Tampa-St. Petersburg-Clearwater, FL | 45 | $ 9,775,000 | $ 217,222 | $ 136,000 |
| Ocala, FL | 44 | $ 11,736,000 | $ 266,727 | $ 294,000 |
| Salt Lake City, UT | 41 | $ 18,474,000 | $ 450,585 | $ 353,000 |
| Las Cruces, NM | 38 | $ 6,364,000 | $ 167,473 | $ 385,000 |
| Miami-Miami Beach-Kendall, FL | 30 | $ 14,907,000 | $ 496,900 | $ 280,000 |
| Lake Havasu City-Kingman, AZ | 21 | $ 3,542,000 | $ 168,666 | $ 70,000 |
| Houma-Bayou Cane-Thibodaux, LA | 20 | $ 3,035,000 | $ 151,750 | $ 10,000 |
| Tyler, TX | 20 | $ 4,290,000 | $ 214,500 | $ 170,000 |
| Lubbock, TX | 19 | $ 2,444,000 | $ 128,631 | $ 113,000 |
| Atlanta-Sandy Springs-Marietta, GA | 18 | $ 6,019,000 | $ 334,388 | $ 412,000 |
| Abilene, TX | 16 | $ 1,707,000 | $ 106,687 | $ 175,000 |
| Orlando-Kissimmee, FL | 16 | $ 4,951,000 | $ 309,437 | $ 363,000 |
| Philadelphia, PA | 10 | $ 2,326,000 | $ 232,600 | $ 72,000 |
| Chicago-Naperville-Joliet, IL | 9 | $ 3,329,000 | $ 369,888 | $ 241,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 2,525,000 | $ 280,555 | $ 129,000 |
| San Diego-Carlsbad-San Marcos, CA | 9 | $ 5,081,000 | $ 564,555 | $ 911,000 |
| Lexington-Fayette, KY | 8 | $ 1,591,000 | $ 198,875 | $ 60,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 1,803,000 | $ 225,375 | $ 96,000 |
| New Orleans-Metairie-Kenner, LA | 8 | $ 1,545,000 | $ 193,125 | $ 36,000 |
| Portland-Vancouver-Beaverton, OR-WA | 8 | $ 2,598,000 | $ 324,750 | $ 52,500 |
| Seattle-Bellevue-Everett, WA | 8 | $ 2,387,000 | $ 298,375 | $ 425,000 |
| Charleston-North Charleston-Summerville, SC | 7 | $ 1,306,000 | $ 186,571 | $ 0 |
| Pittsburgh, PA | 7 | $ 1,371,000 | $ 195,857 | $ 112,000 |
| Boston-Quincy, MA | 6 | $ 2,630,000 | $ 438,333 | $ 266,000 |
| Las Vegas-Paradise, NV | 6 | $ 2,247,000 | $ 374,500 | $ 192,000 |
| Odessa, TX | 6 | $ 795,000 | $ 132,500 | $ 130,000 |
| Oklahoma City, OK | 6 | $ 886,000 | $ 147,666 | $ 78,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 1,133,000 | $ 188,833 | $ 74,000 |
| San Angelo, TX | 6 | $ 510,000 | $ 85,000 | $ 63,000 |
| Santa Fe, NM | 6 | $ 1,831,000 | $ 305,166 | $ 663,000 |
| St. Louis, MO-IL | 6 | $ 1,049,000 | $ 174,833 | $ 65,000 |
| Tallahassee, FL | 6 | $ 1,148,000 | $ 191,333 | $ 143,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 2,307,000 | $ 384,500 | $ 456,000 |
| Cincinnati-Middletown, OH-KY-IN | 5 | $ 950,000 | $ 190,000 | $ 78,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,320,000 | $ 264,000 | $ 211,000 |
| Durham, NC | 5 | $ 1,041,000 | $ 208,200 | $ 75,000 |
| Indianapolis-Carmel, IN | 5 | $ 659,000 | $ 131,800 | $ 47,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 1,074,000 | $ 214,800 | $ 59,000 |
| Bradenton-Sarasota-Venice, FL | 4 | $ 2,055,000 | $ 513,750 | $ 281,000 |
| Burlington-South Burlington, VT | 4 | $ 1,101,000 | $ 275,250 | $ 87,000 |
| Columbus, OH | 4 | $ 983,000 | $ 245,750 | $ 97,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 9,423,000 | $ 2,355,750 | $ 725,000 |
| Memphis, TN-MS-AR | 4 | $ 647,000 | $ 161,750 | $ 66,000 |
| Palm Coast, FL | 4 | $ 713,000 | $ 178,250 | $ 259,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 3,656,000 | $ 914,000 | $ 499,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 1,212,000 | $ 303,000 | $ 236,000 |
| Tacoma, WA | 4 | $ 1,421,000 | $ 355,250 | $ 122,000 |
| Tulsa, OK | 4 | $ 707,000 | $ 176,750 | $ 57,000 |
| Victoria, TX | 4 | $ 268,000 | $ 67,000 | $ 51,000 |
| Chattanooga, TN-GA | 3 | $ 915,000 | $ 305,000 | $ 89,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 802,000 | $ 267,333 | $ 102,000 |
| Grand Junction, CO | 3 | $ 2,170,000 | $ 723,333 | $ 426,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 478,000 | $ 159,333 | $ 58,000 |
| Nassau-Suffolk, NY | 3 | $ 1,996,000 | $ 665,333 | $ 255,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 2,567,000 | $ 855,666 | $ 466,000 |
| Olympia, WA | 3 | $ 769,000 | $ 256,333 | $ 0 |
| Pascagoula, MS | 3 | $ 954,000 | $ 318,000 | $ 177,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 832,000 | $ 277,333 | $ 132,000 |
| Sherman-Denison, TX | 3 | $ 461,000 | $ 153,666 | $ 135,000 |
| Shreveport-Bossier City, LA | 3 | $ 516,000 | $ 172,000 | $ 56,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,104,000 | $ 368,000 | $ 131,333 |
| Akron, OH | 2 | $ 294,000 | $ 147,000 | $ 46,000 |
| Amarillo, TX | 2 | $ 18,000 | $ 9,000 | $ 57,000 |
| Bakersfield, CA | 2 | $ 977,000 | $ 488,500 | $ 95,000 |
| Baltimore-Towson, MD | 2 | $ 1,230,000 | $ 615,000 | $ 371,000 |
| Baton Rouge, LA | 2 | $ 397,000 | $ 198,500 | $ 221,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 678,000 | $ 339,000 | $ 104,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 955,000 | $ 477,500 | $ 190,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 381,000 | $ 190,500 | $ 305,000 |
| Casper, WY | 2 | $ 392,000 | $ 196,000 | $ 70,000 |
| Dayton, OH | 2 | $ 632,000 | $ 316,000 | $ 23,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 380,000 | $ 190,000 | $ 45,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 529,000 | $ 264,500 | $ 215,000 |
| Gulfport-Biloxi, MS | 2 | $ 941,000 | $ 470,500 | $ 381,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 379,000 | $ 189,500 | $ 79,000 |
| Johnson City, TN | 2 | $ 587,000 | $ 293,500 | $ 142,000 |
| Joplin, MO | 2 | $ 361,000 | $ 180,500 | $ 57,000 |
| Kansas City, MO-KS | 2 | $ 282,000 | $ 141,000 | $ 42,000 |
| Knoxville, TN | 2 | $ 435,000 | $ 217,500 | $ 97,000 |
| Lafayette, LA | 2 | $ 849,000 | $ 424,500 | $ 250,000 |
| Longview, TX | 2 | $ 776,000 | $ 388,000 | $ 215,000 |
| Modesto, CA | 2 | $ 1,350,000 | $ 675,000 | $ 397,000 |
| New Haven-Milford, CT | 2 | $ 455,000 | $ 227,500 | $ 49,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 917,000 | $ 458,500 | $ 95,000 |
| Ogden-Clearfield, UT | 2 | $ 1,065,000 | $ 532,500 | $ 163,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 901,000 | $ 450,500 | $ 415,000 |
| Peoria, IL | 2 | $ 225,000 | $ 112,500 | $ 46,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 481,000 | $ 240,500 | $ 425,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 680,000 | $ 340,000 | $ 109,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 5,262,000 | $ 2,631,000 | $ 613,000 |
| Stockton, CA | 2 | $ 664,000 | $ 332,000 | $ 110,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 555,000 | $ 277,500 | $ 123,000 |
| Worcester, MA | 2 | $ 605,000 | $ 302,500 | $ 99,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 325,000 | $ 325,000 | $ 172,000 |
| Ann Arbor, MI | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Asheville, NC | 1 | $ 597,000 | $ 597,000 | $ 177,000 |
| Bangor, ME | 1 | $ 299,000 | $ 299,000 | $ 225,000 |
| Bellingham, WA | 1 | $ 228,000 | $ 228,000 | $ 217,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 5,900,000 | $ 5,900,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 134,000 | $ 134,000 | $ 86,000 |
| Columbia, SC | 1 | $ 142,000 | $ 142,000 | $ 101,000 |
| Columbus, GA-AL | 1 | $ 12,000 | $ 12,000 | $ 22,000 |
| Fayetteville, NC | 1 | $ 334,000 | $ 334,000 | $ 330,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 81,000 | $ 81,000 | $ 76,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 878,000 | $ 878,000 | $ 1,340,000 |
| Fresno, CA | 1 | $ 230,000 | $ 230,000 | $ 45,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Hattiesburg, MS | 1 | $ 140,000 | $ 140,000 | $ 110,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Honolulu, HI | 1 | $ 480,000 | $ 480,000 | $ 106,000 |
| Iowa City, IA | 1 | $ 152,000 | $ 152,000 | $ 46,000 |
| Jackson, MS | 1 | $ 225,000 | $ 225,000 | $ 159,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 500,000 | $ 500,000 | $ 225,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 409,000 | $ 409,000 | $ 400,000 |
| La Crosse, WI-MN | 1 | $ 182,000 | $ 182,000 | $ 46,000 |
| Lafayette, IN | 1 | $ 184,000 | $ 184,000 | $ 160,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 289,000 | $ 289,000 | $ 205,000 |
| Macon, GA | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Madison, WI | 1 | $ 202,000 | $ 202,000 | $ 165,000 |
| Midland, TX | 1 | $ 1,320,000 | $ 1,320,000 | $ 380,000 |
| Morgantown, WV | 1 | $ 78,000 | $ 78,000 | $ 226,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 380,000 | $ 380,000 | $ 195,000 |
| Naples-Marco Island, FL | 1 | $ 650,000 | $ 650,000 | $ 673,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 600,000 | $ 600,000 | $ 300,000 |
| Peabody, MA | 1 | $ 320,000 | $ 320,000 | $ 113,000 |
| Pocatello, ID | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Port St. Lucie, FL | 1 | $ 155,000 | $ 155,000 | $ 193,000 |
| Provo-Orem, UT | 1 | $ 420,000 | $ 420,000 | $ 185,000 |
| Punta Gorda, FL | 1 | $ 240,000 | $ 240,000 | $ 155,000 |
| Raleigh-Cary, NC | 1 | $ 400,000 | $ 400,000 | $ 170,000 |
| Richmond, VA | 1 | $ 295,000 | $ 295,000 | $ 400,000 |
| Rochester, MN | 1 | $ 179,000 | $ 179,000 | $ 282,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 127,000 | $ 127,000 | $ 43,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 150,000 | $ 150,000 | $ 111,000 |
| Spartanburg, SC | 1 | $ 177,000 | $ 177,000 | $ 465,000 |
| Sumter, SC | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Syracuse, NY | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
| Wenatchee, WA | 1 | $ 207,000 | $ 207,000 | $ 72,000 |
| Wichita Falls, TX | 1 | $ 35,000 | $ 35,000 | $ 140,000 |
| Wichita, KS | 1 | $ 133,000 | $ 133,000 | $ 44,000 |
| Wilmington, DE-MD-NJ | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Wilmington, NC | 1 | $ 303,000 | $ 303,000 | $ 90,000 |
| Winston-Salem, NC | 1 | $ 251,000 | $ 251,000 | $ 97,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for BBVA USA in 2008
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 | 7,931 | $1,837,899,000 | $231,000 | $6,000,000 | $122,000 | $8,899,000 |
| Refinancing | 6,376 | $1,359,336,000 | $213,000 | $13,600,000 | $122,000 | $8,661,000 |
| Home Improvement | 3,259 | $118,481,000 | $36,000 | $1,200,000 | $90,000 | $1,923,000 |
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 | 7,767 | $1,808,606,000 | $232,000 | $6,125,000 | $161,000 | $8,899,000 |
| Hispanic | 4,306 | $455,006,000 | $105,000 | $4,080,000 | $87,000 | $4,913,000 |
| Not applicable | 2,178 | $458,459,000 | $210,000 | $13,600,000 | $0 | $0 |
| Not Provided | 2,038 | $382,149,000 | $187,000 | $2,800,000 | $134,000 | $8,661,000 |
| Black or African American | 848 | $107,712,000 | $127,000 | $1,880,000 | $97,000 | $5,014,000 |
| Asian | 335 | $90,785,000 | $271,000 | $6,000,000 | $146,000 | $3,359,000 |
| American Indian or Alaskan Native | 49 | $6,572,000 | $134,000 | $1,120,000 | $121,000 | $969,000 |
| Native Hawaiian or Other Pacific Islander | 45 | $6,427,000 | $142,000 | $650,000 | $124,000 | $472,000 |
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) | 14,766 | $2,892,398,000 | $195,000 | $13,600,000 | $130,000 | $8,899,000 |
| FHA-insured (Federal Housing Administration) | 2,505 | $363,650,000 | $145,000 | $413,000 | $43,000 | $505,000 |
| VA-guaranteed (Veterans Administration) | 295 | $59,668,000 | $202,000 | $513,000 | $27,000 | $192,000 |
| 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 | 8,169 | $1,819,676,000 | $222,000 | $13,600,000 | $155,000 | $8,899,000 |
| Application Denied By Financial Institution | 3,848 | $333,408,000 | $86,000 | $2,700,000 | $78,000 | $2,000,000 |
| Application Withdrawn By Applicant | 2,248 | $496,724,000 | $220,000 | $5,000,000 | $134,000 | $8,661,000 |
| Loan Purchased By The Institution | 2,046 | $382,953,000 | $187,000 | $500,000 | $0 | $0 |
| Application Approved But Not Accepted | 654 | $178,128,000 | $272,000 | $2,800,000 | $150,000 | $5,111,000 |
| File Closed For Incompleteness | 601 | $104,827,000 | $174,000 | $2,665,000 | $117,000 | $2,485,000 |
| 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 | 1,717 | $109,130,000 | $63,000 | $680,000 | $82,000 | $2,000,000 |
| Debt-To-Income Ratio | 1,161 | $124,848,000 | $107,000 | $2,700,000 | $57,000 | $1,320,000 |
| Collateral | 422 | $44,719,000 | $105,000 | $1,450,000 | $114,000 | $1,500,000 |
| Other | 420 | $39,013,000 | $92,000 | $2,060,000 | $88,000 | $1,132,000 |
| Unverifiable Information | 66 | $7,278,000 | $110,000 | $387,000 | $75,000 | $301,000 |
| Employment History | 38 | $4,594,000 | $120,000 | $725,000 | $72,000 | $293,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,544,000 | $159,000 | $680,000 | $78,000 | $198,000 |
| Credit Application Incomplete | 5 | $480,000 | $96,000 | $240,000 | $76,000 | $138,000 |
| Mortgage Insurance Denied | 3 | $802,000 | $267,000 | $534,000 | $123,000 | $177,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BBVA USA's 2008 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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