First Southern Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First Southern Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Southern Bank 900 Federal Highway, Suite 300 Boca Raton, FL 33432 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 225 |
| Total Mortgage Loan Application Amount | $56,723,000 |
| Average Mortgage Loan Application Amount | $321,157 |
| Highest Mortgage Loan Application Amount | $6,150,000 |
| Average Applicant Income | $154,052 |
| Highest Applicant Income | $1,440,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Southern Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Southern Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First Southern Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Southern Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Southern Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Southern Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Palm Beach County Florida | 94 | $ 22,357,000 | $ 237,000 | $ 131,000 |
| Broward County Florida | 45 | $ 12,133,000 | $ 269,000 | $ 79,000 |
| Charlotte County Florida | 7 | $ 960,000 | $ 137,000 | $ 230,000 |
| Fairfax County Virginia | 6 | $ 2,615,000 | $ 435,000 | $ 126,000 |
| Miami-Dade County Florida | 5 | $ 1,317,000 | $ 263,000 | $ 122,000 |
| Middlesex County Massachusetts | 4 | $ 1,433,000 | $ 358,000 | $ 159,000 |
| Sarasota County Florida | 3 | $ 518,000 | $ 172,000 | $ 106,000 |
| Queens County New York | 3 | $ 804,000 | $ 268,000 | $ 130,000 |
| Wake County North Carolina | 3 | $ 728,000 | $ 242,000 | $ 104,000 |
| Duval County Florida | 2 | $ 449,000 | $ 224,000 | $ 84,000 |
| Hillsborough County Florida | 2 | $ 371,000 | $ 185,000 | $ 46,000 |
| Martin County Florida | 2 | $ 436,000 | $ 218,000 | $ 66,000 |
| Orange County Florida | 2 | $ 292,000 | $ 146,000 | $ 57,000 |
| St. Lucie County Florida | 2 | $ 180,000 | $ 90,000 | $ 108,000 |
| Cook County Illinois | 2 | $ 706,000 | $ 353,000 | $ 275,000 |
| Suffolk County New York | 2 | $ 587,000 | $ 293,000 | $ 108,000 |
| Harris County Texas | 2 | $ 540,000 | $ 270,000 | $ 113,000 |
| Arlington County Virginia | 2 | $ 563,000 | $ 281,000 | $ 159,000 |
| Brevard County Florida | 1 | $ 178,000 | $ 178,000 | $ 193,000 |
| DeSoto County Florida | 1 | $ 120,000 | $ 120,000 | $ 164,000 |
| Hernando County Florida | 1 | $ 117,000 | $ 117,000 | $ 60,000 |
| Nassau County Florida | 1 | $ 552,000 | $ 552,000 | $ 507,000 |
| Pasco County Florida | 1 | $ 146,000 | $ 146,000 | $ 57,000 |
| St. Johns County Florida | 1 | $ 267,000 | $ 267,000 | $ 140,000 |
| Volusia County Florida | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Cobb County Georgia | 1 | $ 400,000 | $ 400,000 | $ 230,000 |
| DuPage County Illinois | 1 | $ 282,000 | $ 282,000 | $ 180,000 |
| East Baton Rouge County Louisiana | 1 | $ 272,000 | $ 272,000 | $ 96,000 |
| Plaquemines County Louisiana | 1 | $ 300,000 | $ 300,000 | $ 122,000 |
| York County Maine | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Plymouth County Massachusetts | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Suffolk County Massachusetts | 1 | $ 266,000 | $ 266,000 | $ 90,000 |
| Worcester County Massachusetts | 1 | $ 502,000 | $ 502,000 | $ 160,000 |
| Hennepin County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Hunterdon County New Jersey | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Nassau County New York | 1 | $ 301,000 | $ 301,000 | $ 159,000 |
| Rensselaer County New York | 1 | $ 204,000 | $ 204,000 | $ 220,000 |
| Rockland County New York | 1 | $ 372,000 | $ 372,000 | $ 386,000 |
| Alamance County North Carolina | 1 | $ 231,000 | $ 231,000 | $ 114,000 |
| Brunswick County North Carolina | 1 | $ 159,000 | $ 159,000 | $ 210,000 |
| Cumberland County North Carolina | 1 | $ 291,000 | $ 291,000 | $ 210,000 |
| Durham County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Guilford County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 261,000 |
| Haywood County North Carolina | 1 | $ 478,000 | $ 478,000 | $ 105,000 |
| Montgomery County Pennsylvania | 1 | $ 301,000 | $ 301,000 | $ 180,000 |
| Shelby County Tennessee | 1 | $ 323,000 | $ 323,000 | $ 84,000 |
| Collin County Texas | 1 | $ 301,000 | $ 301,000 | $ 138,000 |
| Culpeper County Virginia | 1 | $ 301,000 | $ 301,000 | $ 104,000 |
| Fauquier County Virginia | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Franklin County Virginia | 1 | $ 117,000 | $ 117,000 | $ 261,000 |
| Hanover County Virginia | 1 | $ 286,000 | $ 286,000 | $ 146,000 |
| Henrico County Virginia | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Loudoun County Virginia | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Prince William County Virginia | 1 | $ 270,000 | $ 270,000 | $ 168,000 |
| Stafford County Virginia | 1 | $ 262,000 | $ 262,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for First Southern Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 163 | $32,726,000 | $262,363 | $695,000 | $118,545 | $584,000 |
| Home Purchase (one-to-four family) | 55 | $17,426,000 | $325,428 | $6,150,000 | $231,857 | $1,440,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 7 | $6,571,000 | $938,000 | $1,692,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 185 | $45,256,000 | $266,285 | $6,150,000 | $151,214 | $1,440,000 |
| Hispanic | 16 | $2,745,000 | $237,333 | $332,000 | $71,000 | $143,000 |
| Black | 9 | $2,017,000 | $307,250 | $450,000 | $71,500 | $146,000 |
| Not applicable | 5 | $4,486,000 | $897,000 | $1,692,000 | $0 | $0 |
| Asian or Pacific Islander | 5 | $1,687,000 | $307,750 | $650,000 | $133,000 | $221,000 |
| American Indian or Alaskan Native | 3 | $308,000 | $102,000 | $140,000 | $43,000 | $57,000 |
| Other | 2 | $224,000 | $112,000 | $134,000 | $13,000 | $26,000 |
| Information not provided by applicant in mail or telephone application | 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) | 224 | $56,651,000 | $272,357 | $6,150,000 | $136,785 | $1,440,000 |
| FHA-insured (Federal Housing Administration) | 1 | $72,000 | $72,000 | $72,000 | $40,000 | $40,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 175 | $40,718,000 | $278,250 | $1,692,000 | $135,000 | $715,000 |
| Application Approved But Not Accepted | 23 | $5,336,000 | $226,000 | $604,000 | $126,333 | $324,000 |
| Application Withdrawn By Applicant | 17 | $8,499,000 | $360,666 | $6,150,000 | $181,000 | $1,440,000 |
| Application Denied By Financial Institution | 8 | $1,547,000 | $214,000 | $400,000 | $95,000 | $161,000 |
| File Closed For Incompleteness | 2 | $623,000 | $311,000 | $448,000 | $132,000 | $170,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Southern Bank's 2003 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 First Southern Bank'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 Florida, download the full spreadsheet
with aggregated HMDA statistics today.