National Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
National Bank Of Commerce 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 | National Bank Of Commerce 1927 1St Avenue North Birmingham, AL 35203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 2,817 |
| Total Mortgage Loan Application Amount | $445,828,000 |
| Average Mortgage Loan Application Amount | $232,964 |
| Highest Mortgage Loan Application Amount | $2,800,000 |
| Average Applicant Income | $157,928 |
| Highest Applicant Income | $2,055,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with National Bank Of Commerce. 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 National Bank Of Commerce's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down National Bank Of Commerce'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 National Bank Of Commerce serves its applicants.
Each category highlights the total number of mortgage applications processed by National Bank Of Commerce, 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 National Bank Of Commerce'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 |
|---|---|---|---|---|
| Jefferson County Alabama | 934 | $ 159,512,000 | $ 170,000 | $ 74,000 |
| Shelby County Alabama | 280 | $ 46,230,000 | $ 165,000 | $ 75,000 |
| Collier County Florida | 230 | $ 41,051,000 | $ 178,000 | $ 99,000 |
| Escambia County Florida | 207 | $ 28,966,000 | $ 139,000 | $ 75,000 |
| Osceola County Florida | 165 | $ 20,259,000 | $ 122,000 | $ 59,000 |
| Lake County Florida | 122 | $ 15,500,000 | $ 127,000 | $ 82,000 |
| Cobb County Georgia | 113 | $ 14,667,000 | $ 129,000 | $ 44,000 |
| St. Clair County Alabama | 95 | $ 10,587,000 | $ 111,000 | $ 43,000 |
| Paulding County Georgia | 95 | $ 13,318,000 | $ 140,000 | $ 43,000 |
| Santa Rosa County Florida | 66 | $ 10,631,000 | $ 161,000 | $ 88,000 |
| Baldwin County Alabama | 42 | $ 7,881,000 | $ 187,000 | $ 96,000 |
| Indian River County Florida | 42 | $ 5,293,000 | $ 126,000 | $ 58,000 |
| Douglas County Georgia | 39 | $ 4,532,000 | $ 116,000 | $ 60,000 |
| Orange County Florida | 38 | $ 5,434,000 | $ 143,000 | $ 85,000 |
| Lee County Florida | 37 | $ 6,322,000 | $ 170,000 | $ 119,000 |
| Tuscaloosa County Alabama | 24 | $ 3,480,000 | $ 145,000 | $ 76,000 |
| Seminole County Florida | 17 | $ 2,664,000 | $ 156,000 | $ 65,000 |
| Blount County Alabama | 16 | $ 1,879,000 | $ 117,000 | $ 48,000 |
| Walton County Florida | 13 | $ 3,503,000 | $ 269,000 | $ 166,000 |
| Talladega County Alabama | 12 | $ 966,000 | $ 80,000 | $ 48,000 |
| Tallapoosa County Alabama | 12 | $ 2,673,000 | $ 222,000 | $ 184,000 |
| Fulton County Georgia | 11 | $ 2,065,000 | $ 187,000 | $ 88,000 |
| Carroll County Georgia | 10 | $ 1,495,000 | $ 149,000 | $ 39,000 |
| Bay County Florida | 9 | $ 2,782,000 | $ 309,000 | $ 189,000 |
| Elmore County Alabama | 8 | $ 2,751,000 | $ 343,000 | $ 293,000 |
| Morgan County Alabama | 8 | $ 966,000 | $ 120,000 | $ 58,000 |
| Chilton County Alabama | 6 | $ 777,000 | $ 129,000 | $ 111,000 |
| Cullman County Alabama | 6 | $ 545,000 | $ 90,000 | $ 63,000 |
| Lee County Alabama | 6 | $ 842,000 | $ 140,000 | $ 65,000 |
| Sumter County Florida | 6 | $ 358,000 | $ 59,000 | $ 29,000 |
| Bibb County Alabama | 5 | $ 339,000 | $ 67,000 | $ 55,000 |
| Marshall County Alabama | 5 | $ 548,000 | $ 109,000 | $ 55,000 |
| Brevard County Florida | 5 | $ 595,000 | $ 119,000 | $ 63,000 |
| Okaloosa County Florida | 5 | $ 1,615,000 | $ 323,000 | $ 28,000 |
| Madison County Alabama | 4 | $ 403,000 | $ 100,000 | $ 56,000 |
| Montgomery County Alabama | 4 | $ 3,820,000 | $ 955,000 | $ 262,000 |
| Winston County Alabama | 4 | $ 566,000 | $ 141,000 | $ 100,000 |
| Volusia County Florida | 4 | $ 626,000 | $ 156,000 | $ 132,000 |
| Cherokee County Georgia | 4 | $ 691,000 | $ 172,000 | $ 78,000 |
| DeKalb County Georgia | 4 | $ 488,000 | $ 122,000 | $ 48,000 |
| Forsyth County Georgia | 4 | $ 815,000 | $ 203,000 | $ 132,000 |
| Walker County Alabama | 3 | $ 508,000 | $ 169,000 | $ 127,000 |
| Gilmer County Georgia | 3 | $ 704,000 | $ 234,000 | $ 212,000 |
| Gwinnett County Georgia | 3 | $ 389,000 | $ 129,000 | $ 60,000 |
| Polk County Georgia | 3 | $ 301,000 | $ 100,000 | $ 64,000 |
| Sevier County Tennessee | 3 | $ 540,000 | $ 180,000 | $ 35,000 |
| Autauga County Alabama | 2 | $ 275,000 | $ 137,000 | $ 116,000 |
| Calhoun County Alabama | 2 | $ 206,000 | $ 103,000 | $ 98,000 |
| Cherokee County Alabama | 2 | $ 145,000 | $ 72,000 | $ 106,000 |
| Clay County Alabama | 2 | $ 227,000 | $ 113,000 | $ 33,000 |
| Houston County Alabama | 2 | $ 231,000 | $ 115,000 | $ 81,000 |
| Limestone County Alabama | 2 | $ 141,000 | $ 70,000 | $ 18,000 |
| Alachua County Florida | 2 | $ 201,000 | $ 100,000 | $ 172,000 |
| Highlands County Florida | 2 | $ 496,000 | $ 248,000 | $ 115,000 |
| Marion County Florida | 2 | $ 584,000 | $ 292,000 | $ 190,000 |
| Bartow County Georgia | 2 | $ 264,000 | $ 132,000 | $ 54,000 |
| Putnam County Georgia | 2 | $ 249,000 | $ 124,000 | $ 116,000 |
| Monroe County New York | 2 | $ 216,000 | $ 108,000 | $ 80,000 |
| Macon County North Carolina | 2 | $ 670,000 | $ 335,000 | $ 406,000 |
| Shelby County Tennessee | 2 | $ 451,000 | $ 225,000 | $ 154,000 |
| Harris County Texas | 2 | $ 608,000 | $ 304,000 | $ 29,000 |
| Butler County Alabama | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Colbert County Alabama | 1 | $ 107,000 | $ 107,000 | $ 205,000 |
| Coosa County Alabama | 1 | $ 26,000 | $ 26,000 | $ 27,000 |
| Dale County Alabama | 1 | $ 54,000 | $ 54,000 | $ 43,000 |
| Dallas County Alabama | 1 | $ 264,000 | $ 264,000 | $ 24,000 |
| DeKalb County Alabama | 1 | $ 171,000 | $ 171,000 | $ 110,000 |
| Escambia County Alabama | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Etowah County Alabama | 1 | $ 158,000 | $ 158,000 | $ 83,000 |
| Marion County Alabama | 1 | $ 121,000 | $ 121,000 | $ 37,000 |
| Pike County Alabama | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
| Boulder County Colorado | 1 | $ 168,000 | $ 168,000 | $ 64,000 |
| Eagle County Colorado | 1 | $ 1,100,000 | $ 1,100,000 | $ 143,000 |
| Mesa County Colorado | 1 | $ 1,260,000 | $ 1,260,000 | $ 0 |
| Broward County Florida | 1 | $ 137,000 | $ 137,000 | $ 88,000 |
| Charlotte County Florida | 1 | $ 46,000 | $ 46,000 | $ 59,000 |
| Duval County Florida | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Franklin County Florida | 1 | $ 200,000 | $ 200,000 | $ 134,000 |
| Hernando County Florida | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| Leon County Florida | 1 | $ 119,000 | $ 119,000 | $ 206,000 |
| Monroe County Florida | 1 | $ 135,000 | $ 135,000 | $ 111,000 |
| Palm Beach County Florida | 1 | $ 188,000 | $ 188,000 | $ 94,000 |
| Pasco County Florida | 1 | $ 42,000 | $ 42,000 | $ 80,000 |
| Pinellas County Florida | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Polk County Florida | 1 | $ 152,000 | $ 152,000 | $ 99,000 |
| Chatham County Georgia | 1 | $ 147,000 | $ 147,000 | $ 138,000 |
| Coweta County Georgia | 1 | $ 63,000 | $ 63,000 | $ 60,000 |
| Fannin County Georgia | 1 | $ 117,000 | $ 117,000 | $ 108,000 |
| Fayette County Georgia | 1 | $ 275,000 | $ 275,000 | $ 61,000 |
| Hall County Georgia | 1 | $ 154,000 | $ 154,000 | $ 59,000 |
| Haralson County Georgia | 1 | $ 96,000 | $ 96,000 | $ 29,000 |
| Harris County Georgia | 1 | $ 98,000 | $ 98,000 | $ 120,000 |
| Henry County Georgia | 1 | $ 107,000 | $ 107,000 | $ 32,000 |
| Rockdale County Georgia | 1 | $ 259,000 | $ 259,000 | $ 1,000,000 |
| Terrell County Georgia | 1 | $ 180,000 | $ 180,000 | $ 41,000 |
| Troup County Georgia | 1 | $ 71,000 | $ 71,000 | $ 134,000 |
| Fayette County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 152,000 |
| Jefferson County Louisiana | 1 | $ 67,000 | $ 67,000 | $ 65,000 |
| Lake County Michigan | 1 | $ 208,000 | $ 208,000 | $ 86,000 |
| Hinds County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 50,000 |
| Madison County Mississippi | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| St. Louis County Missouri | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Alleghany County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 110,000 |
| Cumberland County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 241,000 |
| Forsyth County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 66,000 |
| Haywood County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Onslow County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 323,000 | $ 323,000 | $ 150,000 |
| Aiken County South Carolina | 1 | $ 104,000 | $ 104,000 | $ 77,000 |
| Charleston County South Carolina | 1 | $ 750,000 | $ 750,000 | $ 2,055,000 |
| Oconee County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 195,000 |
| Giles County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Rutherford County Tennessee | 1 | $ 113,000 | $ 113,000 | $ 44,000 |
| Charlottesville County Virginia | 1 | $ 167,000 | $ 167,000 | $ 185,000 |
| Hanover County Virginia | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| King County Washington | 1 | $ 219,000 | $ 219,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for National Bank Of Commerce 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) | 1,773 | $282,145,000 | $205,714 | $1,625,000 | $96,357 | $1,308,000 |
| Home Purchase (one-to-four family) | 1,007 | $152,726,000 | $226,500 | $1,064,000 | $288,900 | $2,055,000 |
| Home Improvement (one-to-four family) | 21 | $2,495,000 | $193,500 | $850,000 | $92,000 | $852,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 16 | $8,462,000 | $495,500 | $2,800,000 | $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 | 2,476 | $391,025,000 | $200,941 | $1,625,000 | $136,058 | $2,055,000 |
| Information not provided by applicant in mail or telephone application | 101 | $17,814,000 | $175,500 | $1,080,000 | $86,000 | $539,000 |
| Black | 96 | $11,409,000 | $124,000 | $435,000 | $42,333 | $205,000 |
| Not applicable | 63 | $13,762,000 | $569,250 | $2,800,000 | $0 | $0 |
| Hispanic | 47 | $6,076,000 | $107,000 | $288,000 | $64,000 | $488,000 |
| Asian or Pacific Islander | 19 | $3,347,000 | $174,666 | $436,000 | $113,333 | $632,000 |
| Other | 11 | $2,016,000 | $186,500 | $600,000 | $115,500 | $236,000 |
| American Indian or Alaskan Native | 4 | $379,000 | $91,000 | $125,000 | $39,666 | $61,000 |
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) | 2,675 | $429,540,000 | $224,058 | $2,800,000 | $134,647 | $2,055,000 |
| FHA-insured (Federal Housing Administration) | 114 | $12,332,000 | $100,250 | $202,000 | $39,500 | $277,000 |
| VA-guaranteed (Veterans Administration) | 27 | $3,732,000 | $133,000 | $238,000 | $34,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $224,000 | $224,000 | $224,000 | $239,000 | $239,000 |
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 | 2,582 | $410,189,000 | $236,533 | $2,800,000 | $140,866 | $2,055,000 |
| Application Approved But Not Accepted | 111 | $17,203,000 | $153,000 | $650,000 | $69,000 | $488,000 |
| Application Withdrawn By Applicant | 79 | $13,003,000 | $147,375 | $700,000 | $73,000 | $1,195,000 |
| Application Denied By Financial Institution | 45 | $5,433,000 | $133,666 | $500,000 | $65,666 | $350,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,992,000 | $110,000 | $255,000 | $39,666 | $91,000 |
| Debt-To-Income Ratio | 10 | $866,000 | $94,666 | $176,000 | $45,666 | $77,000 |
| Other | 9 | $1,421,000 | $188,666 | $464,000 | $100,666 | $350,000 |
| Collateral | 6 | $1,092,000 | $181,500 | $500,000 | $104,500 | $319,000 |
| Employment History | 1 | $62,000 | $62,000 | $62,000 | $34,000 | $34,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Bank Of Commerce'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 National Bank Of Commerce'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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