Homesouth Mortgage Copr Mortgage Lending & HMDA Data, 2006
In 2006, Homesouth Mortgage Copr of Jacksonville, FL reported 1,222 mortgage applications totaling $151.3 million, up 38% from 2005. The average application was for $123,810, and applicants reported an average income of $95,996. 37% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Jacksonville, FL (302), Atlanta-Sandy Springs-Marietta, GA (184) and Greenville, SC (127) (applications in parentheses).
| Mortgage Company & Address | Homesouth Mortgage Copr 13500 Sutton Pk Dr S, Suite 803 Jacksonville, FL 32224 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,222 |
| Total Mortgage Loan Application Amount | $151,296,000 |
| Average Mortgage Loan Application Amount | $123,810 |
| Highest Mortgage Loan Application Amount | $1,732,000 |
| Average Applicant Income | $95,996 |
| Highest Applicant Income | $2,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homesouth Mortgage Copr filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Duval, Florida | 231 | $ 26,787,000 | $ 115,961 | $ 89,000 |
| Chatham, Georgia | 105 | $ 11,838,000 | $ 112,742 | $ 118,000 |
| Greenville, South Carolina | 101 | $ 10,923,000 | $ 108,148 | $ 65,000 |
| Fulton, Georgia | 63 | $ 8,937,000 | $ 141,857 | $ 92,000 |
| Clay, Florida | 36 | $ 5,674,000 | $ 157,611 | $ 81,000 |
| St. Johns, Florida | 31 | $ 7,303,000 | $ 235,580 | $ 150,000 |
| DeKalb, Georgia | 30 | $ 2,753,000 | $ 91,766 | $ 121,000 |
| Richland, South Carolina | 29 | $ 2,060,000 | $ 71,034 | $ 74,000 |
| Charleston, South Carolina | 24 | $ 4,338,000 | $ 180,750 | $ 117,000 |
| Cobb, Georgia | 22 | $ 2,566,000 | $ 116,636 | $ 116,000 |
| Sumter, South Carolina | 21 | $ 936,000 | $ 44,571 | $ 118,000 |
| Spartanburg, South Carolina | 20 | $ 1,873,000 | $ 93,650 | $ 27,000 |
| Pickens, South Carolina | 19 | $ 3,112,000 | $ 163,789 | $ 109,000 |
| Anderson, South Carolina | 18 | $ 1,136,000 | $ 63,111 | $ 141,000 |
| Leon, Florida | 17 | $ 1,744,000 | $ 102,588 | $ 76,000 |
| Lexington, South Carolina | 15 | $ 1,072,000 | $ 71,466 | $ 261,000 |
| Collier, Florida | 14 | $ 4,177,000 | $ 298,357 | $ 154,000 |
| Clayton, Georgia | 13 | $ 1,203,000 | $ 92,538 | $ 128,000 |
| Gwinnett, Georgia | 12 | $ 1,868,000 | $ 155,666 | $ 71,000 |
| Jasper, Georgia | 12 | $ 1,073,000 | $ 89,416 | $ 38,000 |
| Durham, North Carolina | 11 | $ 762,000 | $ 69,272 | $ 59,000 |
| Henry, Georgia | 10 | $ 1,028,000 | $ 102,800 | $ 75,000 |
| Mobile, Alabama | 8 | $ 374,000 | $ 46,750 | $ 153,000 |
| Baltimore City, Maryland | 8 | $ 566,000 | $ 70,750 | $ 91,000 |
| Berkeley, South Carolina | 8 | $ 882,000 | $ 110,250 | $ 65,000 |
| Horry, South Carolina | 8 | $ 822,000 | $ 102,750 | $ 57,000 |
| Orangeburg, South Carolina | 8 | $ 598,000 | $ 74,750 | $ 90,000 |
| Orange, Florida | 7 | $ 804,000 | $ 114,857 | $ 116,000 |
| Laurens, South Carolina | 7 | $ 556,000 | $ 79,428 | $ 67,000 |
| Marion, Florida | 6 | $ 451,000 | $ 75,166 | $ 106,000 |
| Bryan, Georgia | 6 | $ 387,000 | $ 64,500 | $ 82,000 |
| Cherokee, Georgia | 6 | $ 526,000 | $ 87,666 | $ 59,000 |
| Mecklenburg, North Carolina | 6 | $ 729,000 | $ 121,500 | $ 24,000 |
| Newberry, South Carolina | 6 | $ 351,000 | $ 58,500 | $ 145,000 |
| Jackson, Georgia | 5 | $ 486,000 | $ 97,200 | $ 66,000 |
| Muscogee, Georgia | 5 | $ 349,000 | $ 69,800 | $ 481,000 |
| Baltimore, Maryland | 5 | $ 727,000 | $ 145,400 | $ 66,000 |
| Effingham, Georgia | 4 | $ 422,000 | $ 105,500 | $ 54,000 |
| Fannin, Georgia | 4 | $ 955,000 | $ 238,750 | $ 114,000 |
| Newton, Georgia | 4 | $ 342,000 | $ 85,500 | $ 35,000 |
| Howard, Maryland | 4 | $ 653,000 | $ 163,250 | $ 156,000 |
| Brunswick, North Carolina | 4 | $ 578,000 | $ 144,500 | $ 148,000 |
| Craven, North Carolina | 4 | $ 392,000 | $ 98,000 | $ 47,000 |
| Orange, North Carolina | 4 | $ 314,000 | $ 78,500 | $ 117,000 |
| Union, North Carolina | 4 | $ 891,000 | $ 222,750 | $ 119,000 |
| Kershaw, South Carolina | 4 | $ 518,000 | $ 129,500 | $ 27,000 |
| Lee, South Carolina | 4 | $ 119,000 | $ 29,750 | $ 129,000 |
| Oconee, South Carolina | 4 | $ 260,000 | $ 65,000 | $ 23,000 |
| Alachua, Florida | 3 | $ 365,000 | $ 121,666 | $ 83,000 |
| Escambia, Florida | 3 | $ 213,000 | $ 71,000 | $ 60,000 |
| Hillsborough, Florida | 3 | $ 415,000 | $ 138,333 | $ 64,000 |
| Nassau, Florida | 3 | $ 356,000 | $ 118,666 | $ 44,000 |
| Pinellas, Florida | 3 | $ 309,000 | $ 103,000 | $ 123,000 |
| Volusia, Florida | 3 | $ 334,000 | $ 111,333 | $ 370,000 |
| Bulloch, Georgia | 3 | $ 330,000 | $ 110,000 | $ 76,000 |
| Elbert, Georgia | 3 | $ 259,000 | $ 86,333 | $ 23,000 |
| Hall, Georgia | 3 | $ 1,031,000 | $ 343,666 | $ 170,000 |
| Paulding, Georgia | 3 | $ 260,000 | $ 86,666 | $ 48,000 |
| Rockdale, Georgia | 3 | $ 325,000 | $ 108,333 | $ 91,000 |
| Carteret, North Carolina | 3 | $ 656,000 | $ 218,666 | $ 61,000 |
| Wake, North Carolina | 3 | $ 217,000 | $ 72,333 | $ 75,000 |
| Fairfield, South Carolina | 3 | $ 135,000 | $ 45,000 | $ 45,000 |
| Jasper, South Carolina | 3 | $ 202,000 | $ 67,333 | $ 135,000 |
| Shelby, Tennessee | 3 | $ 164,000 | $ 54,666 | $ 42,000 |
| Jefferson, Alabama | 2 | $ 261,000 | $ 130,500 | $ 50,000 |
| Talladega, Alabama | 2 | $ 140,000 | $ 70,000 | $ 31,000 |
| Mesa, Colorado | 2 | $ 300,000 | $ 150,000 | $ 84,000 |
| New London, Connecticut | 2 | $ 280,000 | $ 140,000 | $ 144,000 |
| Lee, Florida | 2 | $ 732,000 | $ 366,000 | $ 40,000 |
| Putnam, Florida | 2 | $ 245,000 | $ 122,500 | $ 103,000 |
| Sarasota, Florida | 2 | $ 219,000 | $ 109,500 | $ 74,000 |
| St. Lucie, Florida | 2 | $ 167,000 | $ 83,500 | $ 0 |
| Walton, Florida | 2 | $ 255,000 | $ 127,500 | $ 216,000 |
| Baldwin, Georgia | 2 | $ 179,000 | $ 89,500 | $ 32,000 |
| Bartow, Georgia | 2 | $ 428,000 | $ 214,000 | $ 138,000 |
| Butts, Georgia | 2 | $ 131,000 | $ 65,500 | $ 77,000 |
| Lanier, Georgia | 2 | $ 140,000 | $ 70,000 | $ 112,000 |
| Putnam, Georgia | 2 | $ 834,000 | $ 417,000 | $ 300,000 |
| Twiggs, Georgia | 2 | $ 285,000 | $ 142,500 | $ 162,000 |
| Montgomery, Maryland | 2 | $ 754,000 | $ 377,000 | $ 190,000 |
| Prince George's, Maryland | 2 | $ 573,000 | $ 286,500 | $ 135,000 |
| Johnston, North Carolina | 2 | $ 202,000 | $ 101,000 | $ 63,000 |
| New Hanover, North Carolina | 2 | $ 218,000 | $ 109,000 | $ 70,000 |
| Pamlico, North Carolina | 2 | $ 116,000 | $ 58,000 | $ 44,000 |
| Darlington, South Carolina | 2 | $ 198,000 | $ 99,000 | $ 35,000 |
| Dorchester, South Carolina | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Baldwin, Alabama | 1 | $ 536,000 | $ 536,000 | $ 210,000 |
| Chilton, Alabama | 1 | $ 124,000 | $ 124,000 | $ 55,000 |
| Colbert, Alabama | 1 | $ 36,000 | $ 36,000 | $ 16,000 |
| Montgomery, Alabama | 1 | $ 336,000 | $ 336,000 | $ 220,000 |
| Denver, Colorado | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Baker, Florida | 1 | $ 166,000 | $ 166,000 | $ 201,000 |
| Flagler, Florida | 1 | $ 356,000 | $ 356,000 | $ 128,000 |
| Manatee, Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 350,000 | $ 350,000 | $ 127,000 |
| Polk, Florida | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Seminole, Florida | 1 | $ 104,000 | $ 104,000 | $ 64,000 |
| Union, Florida | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Carroll, Georgia | 1 | $ 113,000 | $ 113,000 | $ 68,000 |
| Clarke, Georgia | 1 | $ 158,000 | $ 158,000 | $ 80,000 |
| Dade, Georgia | 1 | $ 224,000 | $ 224,000 | $ 148,000 |
| Franklin, Georgia | 1 | $ 184,000 | $ 184,000 | $ 62,000 |
| Glynn, Georgia | 1 | $ 664,000 | $ 664,000 | $ 216,000 |
| Houston, Georgia | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Lumpkin, Georgia | 1 | $ 335,000 | $ 335,000 | $ 84,000 |
| Walton, Georgia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 263,000 | $ 263,000 | $ 70,000 |
| Douglas, Nebraska | 1 | $ 32,000 | $ 32,000 | $ 101,000 |
| Onslow, North Carolina | 1 | $ 69,000 | $ 69,000 | $ 26,000 |
| Cherokee, South Carolina | 1 | $ 111,000 | $ 111,000 | $ 63,000 |
| Clarendon, South Carolina | 1 | $ 177,000 | $ 177,000 | $ 46,000 |
| Florence, South Carolina | 1 | $ 60,000 | $ 60,000 | $ 108,000 |
| Marion, South Carolina | 1 | $ 99,000 | $ 99,000 | $ 24,000 |
| Louisa, Virginia | 1 | $ 1,732,000 | $ 1,732,000 | $ 293,000 |
| Suffolk, Virginia | 1 | $ 197,000 | $ 197,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Homesouth Mortgage Copr in 2006
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 | 815 | $95,021,000 | $116,000 | $980,000 | $92,000 | $2,400,000 |
| Refinancing | 407 | $56,275,000 | $138,000 | $1,732,000 | $104,000 | $840,000 |
| Home Improvement | 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 | 681 | $89,742,000 | $131,000 | $1,732,000 | $106,000 | $2,400,000 |
| Black or African American | 323 | $33,383,000 | $103,000 | $960,000 | $82,000 | $513,000 |
| Hispanic | 116 | $15,228,000 | $131,000 | $624,000 | $68,000 | $300,000 |
| Not Provided | 77 | $9,593,000 | $124,000 | $881,000 | $115,000 | $493,000 |
| Asian | 17 | $2,614,000 | $153,000 | $644,000 | $84,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $512,000 | $102,000 | $318,000 | $104,000 | $163,000 |
| American Indian or Alaskan Native | 2 | $129,000 | $64,000 | $80,000 | $15,000 | $31,000 |
| Not applicable | 1 | $95,000 | $95,000 | $95,000 | $336,000 | $336,000 |
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) | 1,201 | $148,010,000 | $123,000 | $1,732,000 | $97,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,361,000 | $147,000 | $340,000 | $49,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 5 | $925,000 | $185,000 | $290,000 | $43,000 | $105,000 |
| 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 | 449 | $55,323,000 | $123,000 | $1,235,000 | $95,000 | $2,400,000 |
| Loan Purchased By The Institution | 341 | $43,210,000 | $126,000 | $960,000 | $105,000 | $713,000 |
| Application Approved But Not Accepted | 163 | $22,574,000 | $138,000 | $1,442,000 | $93,000 | $388,000 |
| Application Denied By Financial Institution | 149 | $16,623,000 | $111,000 | $1,732,000 | $85,000 | $385,000 |
| File Closed For Incompleteness | 67 | $8,157,000 | $121,000 | $730,000 | $91,000 | $463,000 |
| Application Withdrawn By Applicant | 53 | $5,409,000 | $102,000 | $417,000 | $92,000 | $438,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 30 | $5,086,000 | $169,000 | $1,732,000 | $119,000 | $385,000 |
| Credit History | 27 | $2,577,000 | $95,000 | $353,000 | $55,000 | $144,000 |
| Debt-To-Income Ratio | 21 | $1,799,000 | $85,000 | $426,000 | $80,000 | $298,000 |
| Unverifiable Information | 15 | $1,411,000 | $94,000 | $280,000 | $58,000 | $120,000 |
| Other | 11 | $1,201,000 | $109,000 | $412,000 | $81,000 | $175,000 |
| Employment History | 2 | $245,000 | $122,000 | $132,000 | $83,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homesouth Mortgage Copr's 2006 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 Homesouth Mortgage Copr'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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