National Bank of Commerce Mortgage Lending & HMDA Data, 2003

In 2003, National Bank of Commerce of Memphis, TN reported 39,479 mortgage applications totaling $6.0 billion. The average application was for $150,975, and applicants reported an average income of $67,076. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta, GA (9,183), Raleigh-Durham-Chapel Hill, NC (4,612) and Greensboro--Winston-Salem--High Point, NC (3,157) (applications in parentheses).

Mortgage Company & Address National Bank of Commerce
One Commerce Square, 4th Floor
Memphis, TN 38150
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 39,479
Total Mortgage Loan Application Amount $5,960,363,000
Average Mortgage Loan Application Amount $150,975
Highest Mortgage Loan Application Amount $7,600,000
Average Applicant Income $67,076
Highest Applicant Income $3,164,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National Bank of Commerce filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for National Bank of Commerce by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Wake, North Carolina 1,851 $ 326,274,000 $ 176,269 $ 65,000
Shelby, Tennessee 1,717 $ 238,688,000 $ 139,014 $ 64,000
Cobb, Georgia 1,684 $ 303,248,000 $ 180,076 $ 63,000
Fulton, Georgia 1,671 $ 431,419,000 $ 258,180 $ 91,000
Durham, North Carolina 1,292 $ 206,385,000 $ 159,740 $ 68,000
Gwinnett, Georgia 1,214 $ 193,748,000 $ 159,594 $ 56,000
DeKalb, Georgia 997 $ 187,585,000 $ 188,149 $ 73,000
Davidson, Tennessee 956 $ 139,842,000 $ 146,278 $ 56,000
Guilford, North Carolina 930 $ 102,653,000 $ 110,379 $ 53,000
Orange, North Carolina 872 $ 174,578,000 $ 200,204 $ 83,000
Mecklenburg, North Carolina 796 $ 107,547,000 $ 135,109 $ 76,000
Greenville, South Carolina 774 $ 75,705,000 $ 97,810 $ 49,000
Forsyth, North Carolina 727 $ 92,459,000 $ 127,178 $ 61,000
Paulding, Georgia 633 $ 83,907,000 $ 132,554 $ 48,000
Carroll, Georgia 596 $ 75,015,000 $ 125,864 $ 52,000
Spartanburg, South Carolina 573 $ 44,861,000 $ 78,291 $ 44,000
Alamance, North Carolina 540 $ 61,977,000 $ 114,772 $ 53,000
Cherokee, Georgia 531 $ 85,836,000 $ 161,649 $ 58,000
Cook, Illinois 524 $ 91,414,000 $ 174,454 $ 68,000
New Hanover, North Carolina 518 $ 97,412,000 $ 188,054 $ 89,000
Rowan, North Carolina 509 $ 47,350,000 $ 93,025 $ 46,000
Knox, Tennessee 491 $ 58,962,000 $ 120,085 $ 54,000
Anderson, South Carolina 476 $ 41,265,000 $ 86,691 $ 52,000
Cabarrus, North Carolina 423 $ 46,153,000 $ 109,108 $ 62,000
Douglas, Georgia 391 $ 57,114,000 $ 146,071 $ 57,000
Pickens, South Carolina 338 $ 38,685,000 $ 114,452 $ 66,000
Wilson, Tennessee 330 $ 39,137,000 $ 118,596 $ 50,000
Buncombe, North Carolina 328 $ 40,400,000 $ 123,170 $ 57,000
Randolph, North Carolina 319 $ 31,040,000 $ 97,304 $ 48,000
Los Angeles, California 297 $ 83,140,000 $ 279,932 $ 89,000
Chatham, Georgia 297 $ 34,681,000 $ 116,771 $ 57,000
Bartow, Georgia 296 $ 36,377,000 $ 122,895 $ 56,000
Chatham, North Carolina 290 $ 56,287,000 $ 194,093 $ 85,000
Williamson, Tennessee 279 $ 63,706,000 $ 228,336 $ 101,000
Henrico, Virginia 274 $ 46,437,000 $ 169,478 $ 59,000
Forsyth, Georgia 269 $ 56,527,000 $ 210,137 $ 89,000
Caldwell, North Carolina 255 $ 24,107,000 $ 94,537 $ 60,000
Union, North Carolina 253 $ 39,388,000 $ 155,683 $ 59,000
Davie, North Carolina 239 $ 24,139,000 $ 101,000 $ 43,000
Granville, North Carolina 232 $ 26,069,000 $ 112,366 $ 53,000
Hall, Georgia 228 $ 32,646,000 $ 143,184 $ 85,000
Sumner, Tennessee 224 $ 28,238,000 $ 126,062 $ 54,000
Roanoke City, Virginia 216 $ 17,883,000 $ 82,791 $ 56,000
Stanly, North Carolina 213 $ 19,489,000 $ 91,497 $ 46,000
Gaston, North Carolina 209 $ 15,039,000 $ 71,956 $ 60,000
Davidson, North Carolina 207 $ 19,067,000 $ 92,111 $ 48,000
Kanawha, West Virginia 205 $ 17,244,000 $ 84,117 $ 55,000
Chesterfield, Virginia 204 $ 32,111,000 $ 157,406 $ 72,000
Prince George's, Maryland 202 $ 38,350,000 $ 189,851 $ 67,000
Henry, Georgia 199 $ 30,483,000 $ 153,180 $ 58,000
Roanoke, Virginia 199 $ 26,316,000 $ 132,241 $ 113,000
Fairfax, Virginia 196 $ 52,011,000 $ 265,362 $ 69,000
Prince William, Virginia 191 $ 46,085,000 $ 241,282 $ 74,000
Franklin, North Carolina 173 $ 20,436,000 $ 118,127 $ 47,000
Person, North Carolina 172 $ 15,659,000 $ 91,040 $ 52,000
Habersham, Georgia 171 $ 22,715,000 $ 132,836 $ 43,000
Burke, North Carolina 162 $ 17,220,000 $ 106,296 $ 50,000
Rutherford, Tennessee 162 $ 18,177,000 $ 112,203 $ 49,000
Anne Arundel, Maryland 156 $ 33,485,000 $ 214,647 $ 81,000
Richmond City, Virginia 151 $ 26,690,000 $ 176,754 $ 57,000
Fayette, Georgia 146 $ 28,627,000 $ 196,075 $ 106,000
Laurens, South Carolina 146 $ 11,717,000 $ 80,253 $ 57,000
Oconee, South Carolina 146 $ 20,935,000 $ 143,390 $ 84,000
Cleveland, North Carolina 143 $ 8,811,000 $ 61,615 $ 47,000
Johnston, North Carolina 134 $ 15,395,000 $ 114,888 $ 59,000
DeSoto, Mississippi 130 $ 16,741,000 $ 128,776 $ 76,000
Yadkin, North Carolina 129 $ 10,347,000 $ 80,209 $ 42,000
Will, Illinois 128 $ 21,418,000 $ 167,328 $ 63,000
Coweta, Georgia 127 $ 18,718,000 $ 147,385 $ 61,000
Henderson, North Carolina 124 $ 11,038,000 $ 89,016 $ 63,000
White, Georgia 122 $ 16,859,000 $ 138,188 $ 52,000
Clayton, Georgia 120 $ 14,775,000 $ 123,125 $ 60,000
Wilkes, North Carolina 118 $ 9,491,000 $ 80,432 $ 41,000
Coffee, Tennessee 118 $ 13,103,000 $ 111,042 $ 47,000
Montgomery, Maryland 116 $ 30,180,000 $ 260,172 $ 58,000
Catawba, North Carolina 113 $ 12,403,000 $ 109,761 $ 74,000
Haralson, Georgia 112 $ 13,682,000 $ 122,160 $ 46,000
Brunswick, North Carolina 105 $ 22,889,000 $ 217,990 $ 142,000
Monroe, Tennessee 103 $ 6,309,000 $ 61,252 $ 47,000
Bedford, Virginia 101 $ 11,586,000 $ 114,712 $ 57,000
Hamilton, Tennessee 98 $ 9,625,000 $ 98,214 $ 57,000
Iredell, North Carolina 96 $ 16,423,000 $ 171,072 $ 71,000
Lawrence, Tennessee 96 $ 5,948,000 $ 61,958 $ 44,000
Crittenden, Arkansas 93 $ 6,438,000 $ 69,225 $ 48,000
Harnett, North Carolina 92 $ 7,233,000 $ 78,619 $ 43,000
Rockingham, North Carolina 92 $ 4,738,000 $ 51,500 $ 55,000
Walton, Georgia 83 $ 11,718,000 $ 141,180 $ 63,000
Hanover, Virginia 81 $ 13,375,000 $ 165,123 $ 71,000
Greenwood, South Carolina 77 $ 3,985,000 $ 51,753 $ 55,000
Barrow, Georgia 74 $ 10,476,000 $ 141,567 $ 42,000
Anson, North Carolina 74 $ 4,989,000 $ 67,418 $ 42,000
Loudoun, Virginia 73 $ 19,725,000 $ 270,205 $ 78,000
District of Columbia, District Of Columbia 72 $ 14,507,000 $ 201,486 $ 62,000
DuPage, Illinois 72 $ 14,199,000 $ 197,208 $ 72,000
Robertson, Tennessee 72 $ 7,582,000 $ 105,305 $ 56,000
Haywood, North Carolina 71 $ 10,996,000 $ 154,873 $ 62,000
Pender, North Carolina 70 $ 10,861,000 $ 155,157 $ 72,000
Saluda, South Carolina 67 $ 4,152,000 $ 61,970 $ 46,000
Blount, Tennessee 67 $ 8,223,000 $ 122,731 $ 58,000
Stokes, North Carolina 66 $ 4,342,000 $ 65,787 $ 41,000
Cherokee, South Carolina 66 $ 3,454,000 $ 52,333 $ 42,000
Baltimore, Maryland 65 $ 12,785,000 $ 196,692 $ 65,000
Hamblen, Tennessee 64 $ 4,508,000 $ 70,437 $ 47,000
Gordon, Georgia 63 $ 5,638,000 $ 89,492 $ 47,000
Orange, California 61 $ 17,731,000 $ 290,672 $ 39,000
Jackson, Georgia 58 $ 8,358,000 $ 144,103 $ 54,000
Fayette, Tennessee 56 $ 7,295,000 $ 130,267 $ 60,000
Maricopa, Arizona 54 $ 13,560,000 $ 251,111 $ 58,000
Botetourt, Virginia 54 $ 8,053,000 $ 149,129 $ 78,000
Oakland, Michigan 53 $ 9,798,000 $ 184,867 $ 80,000
Floyd, Georgia 52 $ 4,038,000 $ 77,653 $ 47,000
Horry, South Carolina 52 $ 7,359,000 $ 141,519 $ 126,000
York, South Carolina 51 $ 4,878,000 $ 95,647 $ 57,000
Franklin, Virginia 49 $ 8,167,000 $ 166,673 $ 80,000
Alameda, California 48 $ 15,095,000 $ 314,479 $ 93,000
Walton, Florida 47 $ 13,151,000 $ 279,808 $ 245,000
Douglas, Nebraska 45 $ 6,475,000 $ 143,888 $ 75,000
Carteret, North Carolina 45 $ 9,909,000 $ 220,200 $ 217,000
Catoosa, Georgia 44 $ 4,241,000 $ 96,386 $ 50,000
Whitfield, Georgia 44 $ 4,060,000 $ 92,272 $ 53,000
Lake, Illinois 44 $ 8,685,000 $ 197,386 $ 75,000
Caswell, North Carolina 44 $ 4,657,000 $ 105,840 $ 60,000
Hamilton, Ohio 43 $ 8,126,000 $ 188,976 $ 84,000
Contra Costa, California 42 $ 14,059,000 $ 334,738 $ 70,000
Pickens, Georgia 42 $ 6,454,000 $ 153,666 $ 66,000
Spotsylvania, Virginia 42 $ 6,312,000 $ 150,285 $ 55,000
Rockdale, Georgia 41 $ 6,072,000 $ 148,097 $ 60,000
Kane, Illinois 41 $ 7,034,000 $ 171,560 $ 89,000
Salem, Virginia 41 $ 4,856,000 $ 118,439 $ 67,000
Newton, Georgia 40 $ 4,998,000 $ 124,950 $ 38,000
Rutherford, North Carolina 40 $ 984,000 $ 24,600 $ 46,000
Beaufort, South Carolina 40 $ 11,543,000 $ 288,575 $ 160,000
McCormick, South Carolina 39 $ 4,676,000 $ 119,897 $ 51,000
Orange, Florida 38 $ 6,661,000 $ 175,289 $ 51,000
Howard, Maryland 38 $ 10,338,000 $ 272,052 $ 91,000
Cheatham, Tennessee 38 $ 3,965,000 $ 104,342 $ 64,000
Shelby, Alabama 35 $ 5,314,000 $ 151,828 $ 95,000
Colquitt, Georgia 35 $ 2,032,000 $ 58,057 $ 47,000
Madison, North Carolina 35 $ 3,127,000 $ 89,342 $ 50,000
Surry, North Carolina 35 $ 1,021,000 $ 29,171 $ 56,000
Calvert, Maryland 34 $ 6,989,000 $ 205,558 $ 85,000
Jackson, North Carolina 34 $ 5,380,000 $ 158,235 $ 149,000
Lincoln, North Carolina 33 $ 1,899,000 $ 57,545 $ 54,000
Charleston, South Carolina 33 $ 11,296,000 $ 342,303 $ 259,000
Loudon, Tennessee 33 $ 5,807,000 $ 175,969 $ 99,000
Stafford, Virginia 33 $ 5,961,000 $ 180,636 $ 68,000
Jefferson, Alabama 32 $ 6,253,000 $ 195,406 $ 107,000
Frederick, Maryland 32 $ 6,977,000 $ 218,031 $ 68,000
Charles, Maryland 31 $ 6,060,000 $ 195,483 $ 85,000
Vance, North Carolina 31 $ 3,973,000 $ 128,161 $ 52,000
Anderson, Tennessee 31 $ 2,391,000 $ 77,129 $ 64,000
Putnam, West Virginia 31 $ 2,210,000 $ 71,290 $ 64,000
Kern, California 30 $ 5,596,000 $ 186,533 $ 0
Bay, Florida 30 $ 7,866,000 $ 262,200 $ 161,000
Polk, Florida 29 $ 4,363,000 $ 150,448 $ 73,000
Spalding, Georgia 29 $ 3,436,000 $ 118,482 $ 54,000
Pitt, North Carolina 28 $ 2,548,000 $ 91,000 $ 58,000
Talladega, Alabama 27 $ 2,939,000 $ 108,851 $ 0
Lexington, South Carolina 27 $ 3,726,000 $ 138,000 $ 75,000
Smith, Tennessee 27 $ 2,537,000 $ 93,962 $ 37,000
Okaloosa, Florida 26 $ 4,125,000 $ 158,653 $ 93,000
Osceola, Florida 26 $ 3,988,000 $ 153,384 $ 43,000
Dawson, Georgia 26 $ 5,506,000 $ 211,769 $ 83,000
Sampson, North Carolina 26 $ 1,622,000 $ 62,384 $ 58,000
Baltimore City, Maryland 25 $ 3,802,000 $ 152,080 $ 69,000
Montgomery, Virginia 25 $ 2,328,000 $ 93,120 $ 60,000
Polk, Georgia 24 $ 2,300,000 $ 95,833 $ 44,000
Fauquier, Virginia 24 $ 4,454,000 $ 185,583 $ 62,000
Jackson, Missouri 23 $ 2,774,000 $ 120,608 $ 56,000
Franklin, Ohio 23 $ 4,659,000 $ 202,565 $ 57,000
Clarke, Georgia 22 $ 2,653,000 $ 120,590 $ 80,000
McDowell, North Carolina 22 $ 989,000 $ 44,954 $ 118,000
Montgomery, North Carolina 22 $ 3,536,000 $ 160,727 $ 90,000
Moore, North Carolina 22 $ 3,154,000 $ 143,363 $ 85,000
Sevier, Tennessee 22 $ 3,162,000 $ 143,727 $ 74,000
San Bernardino, California 21 $ 4,779,000 $ 227,571 $ 0
Virginia Beach, Virginia 21 $ 4,004,000 $ 190,666 $ 77,000
San Diego, California 20 $ 5,449,000 $ 272,450 $ 62,000
Lumpkin, Georgia 20 $ 3,242,000 $ 162,100 $ 65,000
Johnson, Kansas 20 $ 3,134,000 $ 156,700 $ 125,000
Carroll, Maryland 20 $ 4,208,000 $ 210,400 $ 69,000
Lancaster, South Carolina 20 $ 260,000 $ 13,000 $ 72,000
Maury, Tennessee 20 $ 2,502,000 $ 125,100 $ 48,000
Sussex, Delaware 19 $ 3,782,000 $ 199,052 $ 162,000
Kent, Michigan 19 $ 2,533,000 $ 133,315 $ 57,000
Cumberland, North Carolina 19 $ 1,334,000 $ 70,210 $ 45,000
Dickson, Tennessee 19 $ 1,564,000 $ 82,315 $ 44,000
Tipton, Tennessee 19 $ 1,912,000 $ 100,631 $ 49,000
Santa Clara, California 18 $ 8,374,000 $ 465,222 $ 25,000
Hillsborough, Florida 18 $ 2,460,000 $ 136,666 $ 54,000
Craven, North Carolina 18 $ 2,274,000 $ 126,333 $ 63,000
Watauga, North Carolina 18 $ 4,217,000 $ 234,277 $ 111,000
Montgomery, Ohio 18 $ 2,415,000 $ 134,166 $ 63,000
Manassas, Virginia 18 $ 3,424,000 $ 190,222 $ 58,000
Powhatan, Virginia 18 $ 2,936,000 $ 163,111 $ 59,000
Smyth, Virginia 18 $ 1,149,000 $ 63,833 $ 46,000
Walker, Georgia 17 $ 799,000 $ 47,000 $ 46,000
Onslow, North Carolina 17 $ 4,929,000 $ 289,941 $ 114,000
Pasquotank, North Carolina 17 $ 1,413,000 $ 83,117 $ 39,000
Transylvania, North Carolina 17 $ 2,419,000 $ 142,294 $ 225,000
Warren, Ohio 17 $ 3,098,000 $ 182,235 $ 69,000
Arlington, Virginia 17 $ 5,166,000 $ 303,882 $ 94,000
Pulaski, Arkansas 16 $ 3,168,000 $ 198,000 $ 85,000
Broward, Florida 16 $ 5,488,000 $ 343,000 $ 225,000
Banks, Georgia 16 $ 1,861,000 $ 116,312 $ 51,000
Greene, Georgia 16 $ 5,495,000 $ 343,437 $ 197,000
Harford, Maryland 16 $ 3,141,000 $ 196,312 $ 56,000
Washington, Maryland 16 $ 3,110,000 $ 194,375 $ 33,000
Lee, North Carolina 16 $ 2,448,000 $ 153,000 $ 54,000
Macon, North Carolina 16 $ 2,943,000 $ 183,937 $ 138,000
Nash, North Carolina 16 $ 1,917,000 $ 119,812 $ 44,000
Polk, North Carolina 16 $ 348,000 $ 21,750 $ 41,000
York, Pennsylvania 16 $ 2,092,000 $ 130,750 $ 47,000
Cannon, Tennessee 16 $ 2,224,000 $ 139,000 $ 71,000
Lake, Florida 15 $ 1,878,000 $ 125,200 $ 75,000
Rabun, Georgia 15 $ 4,827,000 $ 321,800 $ 244,000
Macomb, Michigan 15 $ 2,349,000 $ 156,600 $ 63,000
Wayne, Michigan 15 $ 3,656,000 $ 243,733 $ 266,000
Montgomery, Tennessee 15 $ 1,294,000 $ 86,266 $ 50,000
Alexandria, Virginia 15 $ 3,621,000 $ 241,400 $ 80,000
Heard, Georgia 14 $ 1,261,000 $ 90,071 $ 38,000
Sarpy, Nebraska 14 $ 1,588,000 $ 113,428 $ 70,000
Alexander, North Carolina 14 $ 1,097,000 $ 78,357 $ 106,000
Butler, Ohio 14 $ 2,573,000 $ 183,785 $ 106,000
Chester, South Carolina 14 $ 136,000 $ 9,714 $ 37,000
Newberry, South Carolina 14 $ 982,000 $ 70,142 $ 67,000
King, Washington 14 $ 2,924,000 $ 208,857 $ 77,000
Cabell, West Virginia 14 $ 1,013,000 $ 72,357 $ 57,000
Riverside, California 13 $ 2,508,000 $ 192,923 $ 90,000
Glynn, Georgia 13 $ 5,391,000 $ 414,692 $ 136,000
Murray, Georgia 13 $ 925,000 $ 71,153 $ 41,000
Clay, Missouri 13 $ 1,668,000 $ 128,307 $ 32,000
Union, Tennessee 13 $ 1,067,000 $ 82,076 $ 37,000
Lonoke, Arkansas 12 $ 1,926,000 $ 160,500 $ 75,000
Pinellas, Florida 12 $ 3,077,000 $ 256,416 $ 164,000
Fannin, Georgia 12 $ 2,325,000 $ 193,750 $ 137,000
Marshall, Mississippi 12 $ 1,115,000 $ 92,916 $ 57,000
Roane, Tennessee 12 $ 896,000 $ 74,666 $ 42,000
Trousdale, Tennessee 12 $ 1,183,000 $ 98,583 $ 40,000
Bedford City, Virginia 12 $ 874,000 $ 72,833 $ 30,000
James City, Virginia 12 $ 2,200,000 $ 183,333 $ 56,000
Arapahoe, Colorado 11 $ 2,560,000 $ 232,727 $ 36,000
Palm Beach, Florida 11 $ 2,705,000 $ 245,909 $ 91,000
Gilmer, Georgia 11 $ 1,473,000 $ 133,909 $ 65,000
Houston, Georgia 11 $ 1,331,000 $ 121,000 $ 71,000
East Baton Rouge, Louisiana 11 $ 1,634,000 $ 148,545 $ 71,000
St. Mary's, Maryland 11 $ 1,747,000 $ 158,818 $ 79,000
Union, South Carolina 11 $ 660,000 $ 60,000 $ 46,000
Goochland, Virginia 11 $ 2,674,000 $ 243,090 $ 91,000
Chilton, Alabama 10 $ 868,000 $ 86,800 $ 21,000
Collier, Florida 10 $ 4,486,000 $ 448,600 $ 264,000
Lee, Florida 10 $ 3,180,000 $ 318,000 $ 178,000
Miami-Dade, Florida 10 $ 4,608,000 $ 460,800 $ 207,000
Worcester, Maryland 10 $ 1,522,000 $ 152,200 $ 54,000
Cuyahoga, Ohio 10 $ 1,331,000 $ 133,100 $ 57,000
Philadelphia, Pennsylvania 10 $ 1,506,000 $ 150,600 $ 51,000
Harris, Texas 10 $ 2,641,000 $ 264,100 $ 91,000
Marin, California 9 $ 2,993,000 $ 332,555 $ 106,000
El Paso, Colorado 9 $ 1,747,000 $ 194,111 $ 79,000
New Castle, Delaware 9 $ 1,326,000 $ 147,333 $ 24,000
Bryan, Georgia 9 $ 1,740,000 $ 193,333 $ 81,000
Butts, Georgia 9 $ 1,589,000 $ 176,555 $ 84,000
Stephens, Georgia 9 $ 1,219,000 $ 135,444 $ 84,000
Troup, Georgia 9 $ 1,208,000 $ 134,222 $ 59,000
Warren, Georgia 9 $ 710,000 $ 78,888 $ 41,000
McHenry, Illinois 9 $ 1,573,000 $ 174,777 $ 60,000
Dare, North Carolina 9 $ 2,318,000 $ 257,555 $ 349,000
Clermont, Ohio 9 $ 1,760,000 $ 195,555 $ 127,000
Richland, South Carolina 9 $ 2,116,000 $ 235,111 $ 62,000
Bedford, Tennessee 9 $ 895,000 $ 99,444 $ 52,000
Davis, Utah 9 $ 2,002,000 $ 222,444 $ 109,000
Chesapeake, Virginia 9 $ 1,381,000 $ 153,444 $ 382,000
Baldwin, Alabama 8 $ 1,572,000 $ 196,500 $ 229,000
Duval, Florida 8 $ 1,883,000 $ 235,375 $ 45,000
Volusia, Florida 8 $ 1,088,000 $ 136,000 $ 172,000
Bibb, Georgia 8 $ 1,177,000 $ 147,125 $ 124,000
Hart, Georgia 8 $ 1,072,000 $ 134,000 $ 35,000
Oconee, Georgia 8 $ 1,283,000 $ 160,375 $ 129,000
Putnam, Georgia 8 $ 3,212,000 $ 401,500 $ 263,000
Queen Anne's, Maryland 8 $ 1,695,000 $ 211,875 $ 63,000
Halifax, North Carolina 8 $ 1,411,000 $ 176,375 $ 134,000
McKean, Pennsylvania 8 $ 652,000 $ 81,500 $ 49,000
Aiken, South Carolina 8 $ 626,000 $ 78,250 $ 72,000
Georgetown, South Carolina 8 $ 3,231,000 $ 403,875 $ 365,000
Jefferson, Tennessee 8 $ 746,000 $ 93,250 $ 57,000
Orange, Virginia 8 $ 1,360,000 $ 170,000 $ 72,000
Jackson, West Virginia 8 $ 1,442,000 $ 180,250 $ 87,000
Sacramento, California 7 $ 1,656,000 $ 236,571 $ 47,000
Boulder, Colorado 7 $ 2,035,000 $ 290,714 $ 55,000
Larimer, Colorado 7 $ 1,792,000 $ 256,000 $ 53,000
Dougherty, Georgia 7 $ 618,000 $ 88,285 $ 35,000
Franklin, Georgia 7 $ 1,114,000 $ 159,142 $ 58,000
Muscogee, Georgia 7 $ 817,000 $ 116,714 $ 23,000
DeKalb, Illinois 7 $ 1,119,000 $ 159,857 $ 80,000
Lake, Indiana 7 $ 1,204,000 $ 172,000 $ 142,000
Kenton, Kentucky 7 $ 927,000 $ 132,428 $ 77,000
Saginaw, Michigan 7 $ 845,000 $ 120,714 $ 52,000
Richmond, North Carolina 7 $ 419,000 $ 59,857 $ 40,000
Warren, North Carolina 7 $ 1,249,000 $ 178,428 $ 177,000
Yancey, North Carolina 7 $ 1,881,000 $ 268,714 $ 167,000
Delaware, Ohio 7 $ 2,097,000 $ 299,571 $ 141,000
Dauphin, Pennsylvania 7 $ 682,000 $ 97,428 $ 60,000
Hickman, Tennessee 7 $ 552,000 $ 78,857 $ 32,000
Morgan, Tennessee 7 $ 941,000 $ 134,428 $ 58,000
Tarrant, Texas 7 $ 1,340,000 $ 191,428 $ 60,000
Travis, Texas 7 $ 1,493,000 $ 213,285 $ 17,000
Clark, Washington 7 $ 1,170,000 $ 167,142 $ 20,000
Pierce, Washington 7 $ 1,926,000 $ 275,142 $ 0
Snohomish, Washington 7 $ 1,492,000 $ 213,142 $ 51,000
Sonoma, California 6 $ 1,730,000 $ 288,333 $ 0
Ventura, California 6 $ 1,835,000 $ 305,833 $ 29,000
Seminole, Florida 6 $ 1,360,000 $ 226,666 $ 64,000
St. Johns, Florida 6 $ 1,810,000 $ 301,666 $ 305,000
St. Lucie, Florida 6 $ 756,000 $ 126,000 $ 86,000
Columbia, Georgia 6 $ 731,000 $ 121,833 $ 53,000
Lancaster, Nebraska 6 $ 588,000 $ 98,000 $ 54,000
Ashe, North Carolina 6 $ 992,000 $ 165,333 $ 128,000
Swain, North Carolina 6 $ 641,000 $ 106,833 $ 48,000
Greene, Ohio 6 $ 1,320,000 $ 220,000 $ 95,000
Miami, Ohio 6 $ 894,000 $ 149,000 $ 52,000
Sandusky, Ohio 6 $ 597,000 $ 99,500 $ 0
Bucks, Pennsylvania 6 $ 928,000 $ 154,666 $ 13,000
Abbeville, South Carolina 6 $ 631,000 $ 105,166 $ 71,000
Franklin, Tennessee 6 $ 480,000 $ 80,000 $ 44,000
Colonial Heights, Virginia 6 $ 2,666,000 $ 444,333 $ 87,000
King William, Virginia 6 $ 923,000 $ 153,833 $ 43,000
Mecklenburg, Virginia 6 $ 716,000 $ 119,333 $ 92,000
Coosa, Alabama 5 $ 655,000 $ 131,000 $ 11,000
Lauderdale, Alabama 5 $ 179,000 $ 35,800 $ 18,000
Cleburne, Arkansas 5 $ 612,000 $ 122,400 $ 120,000
Faulkner, Arkansas 5 $ 855,000 $ 171,000 $ 113,000
San Francisco, California 5 $ 1,903,000 $ 380,600 $ 0
San Mateo, California 5 $ 1,525,000 $ 305,000 $ 0
Flagler, Florida 5 $ 2,815,000 $ 563,000 $ 402,000
Monroe, Florida 5 $ 2,302,000 $ 460,400 $ 191,000
Chattooga, Georgia 5 $ 411,000 $ 82,200 $ 55,000
Jasper, Georgia 5 $ 713,000 $ 142,600 $ 50,000
Liberty, Georgia 5 $ 566,000 $ 113,200 $ 57,000
Meriwether, Georgia 5 $ 604,000 $ 120,800 $ 35,000
Marion, Indiana 5 $ 769,000 $ 153,800 $ 48,000
Porter, Indiana 5 $ 880,000 $ 176,000 $ 64,000
Campbell, Kentucky 5 $ 625,000 $ 125,000 $ 56,000
Jefferson, Kentucky 5 $ 622,000 $ 124,400 $ 42,000
Avery, North Carolina 5 $ 1,369,000 $ 273,800 $ 140,000
Columbus, North Carolina 5 $ 311,000 $ 62,200 $ 35,000
Duplin, North Carolina 5 $ 708,000 $ 141,600 $ 68,000
Wilson, North Carolina 5 $ 402,000 $ 80,400 $ 38,000
Multnomah, Oregon 5 $ 770,000 $ 154,000 $ 0
Delaware, Pennsylvania 5 $ 1,442,000 $ 288,400 $ 90,000
Edgefield, South Carolina 5 $ 532,000 $ 106,400 $ 69,000
Hardin, Tennessee 5 $ 1,265,000 $ 253,000 $ 151,000
Lincoln, Tennessee 5 $ 358,000 $ 71,600 $ 59,000
Macon, Tennessee 5 $ 428,000 $ 85,600 $ 40,000
Marshall, Tennessee 5 $ 534,000 $ 106,800 $ 65,000
McMinn, Tennessee 5 $ 356,000 $ 71,200 $ 48,000
Salt Lake, Utah 5 $ 994,000 $ 198,800 $ 103,000
Carroll, Virginia 5 $ 416,000 $ 83,200 $ 78,000
Lancaster, Virginia 5 $ 1,168,000 $ 233,600 $ 95,000
Middlesex, Virginia 5 $ 921,000 $ 184,200 $ 130,000
Jefferson, West Virginia 5 $ 1,051,000 $ 210,200 $ 41,000
Montgomery, Alabama 4 $ 1,200,000 $ 300,000 $ 131,000
Randolph, Alabama 4 $ 503,000 $ 125,750 $ 81,000
Tallapoosa, Alabama 4 $ 757,000 $ 189,250 $ 285,000
Adams, Colorado 4 $ 843,000 $ 210,750 $ 17,000
Denver, Colorado 4 $ 1,121,000 $ 280,250 $ 21,000
Douglas, Colorado 4 $ 1,239,000 $ 309,750 $ 71,000
Escambia, Florida 4 $ 1,043,000 $ 260,750 $ 101,000
Santa Rosa, Florida 4 $ 877,000 $ 219,250 $ 194,000
Baldwin, Georgia 4 $ 606,000 $ 151,500 $ 77,000
Madison, Georgia 4 $ 531,000 $ 132,750 $ 58,000
Towns, Georgia 4 $ 957,000 $ 239,250 $ 53,000
Elkhart, Indiana 4 $ 476,000 $ 119,000 $ 55,000
Pottawattamie, Iowa 4 $ 507,000 $ 126,750 $ 66,000
Sedgwick, Kansas 4 $ 423,000 $ 105,750 $ 59,000
Cecil, Maryland 4 $ 699,000 $ 174,750 $ 92,000
Essex, Massachusetts 4 $ 529,000 $ 132,250 $ 111,000
Bay, Michigan 4 $ 459,000 $ 114,750 $ 73,000
Lafayette, Mississippi 4 $ 462,000 $ 115,500 $ 127,000
Cass, Missouri 4 $ 683,000 $ 170,750 $ 84,000
Washington, Nebraska 4 $ 694,000 $ 173,500 $ 64,000
Clackamas, Oregon 4 $ 1,053,000 $ 263,250 $ 0
Lane, Oregon 4 $ 520,000 $ 130,000 $ 0
Adams, Pennsylvania 4 $ 365,000 $ 91,250 $ 38,000
Cumberland, Pennsylvania 4 $ 374,000 $ 93,500 $ 46,000
Lebanon, Pennsylvania 4 $ 388,000 $ 97,000 $ 89,000
Lehigh, Pennsylvania 4 $ 476,000 $ 119,000 $ 0
Fairfield, South Carolina 4 $ 301,000 $ 75,250 $ 35,000
Claiborne, Tennessee 4 $ 230,000 $ 57,500 $ 51,000
Cumberland, Tennessee 4 $ 153,000 $ 38,250 $ 39,000
DeKalb, Tennessee 4 $ 761,000 $ 190,250 $ 421,000
Giles, Tennessee 4 $ 453,000 $ 113,250 $ 35,000
Hawkins, Tennessee 4 $ 221,000 $ 55,250 $ 53,000
Rhea, Tennessee 4 $ 337,000 $ 84,250 $ 43,000
Rutland, Vermont 4 $ 520,000 $ 130,000 $ 63,000
Campbell, Virginia 4 $ 384,000 $ 96,000 $ 60,000
Caroline, Virginia 4 $ 496,000 $ 124,000 $ 58,000
Culpeper, Virginia 4 $ 681,000 $ 170,250 $ 114,000
Dinwiddie, Virginia 4 $ 387,000 $ 96,750 $ 92,000
Fairfax City, Virginia 4 $ 1,017,000 $ 254,250 $ 58,000
Floyd, Virginia 4 $ 238,000 $ 59,500 $ 43,000
Fredericksburg, Virginia 4 $ 826,000 $ 206,500 $ 121,000
Hampton, Virginia 4 $ 422,000 $ 105,500 $ 22,000
Louisa, Virginia 4 $ 436,000 $ 109,000 $ 54,000
Lynchburg, Virginia 4 $ 390,000 $ 97,500 $ 39,000
New Kent, Virginia 4 $ 530,000 $ 132,500 $ 53,000
Pittsylvania, Virginia 4 $ 366,000 $ 91,500 $ 33,000
Lincoln, West Virginia 4 $ 276,000 $ 69,000 $ 90,000
Raleigh, West Virginia 4 $ 200,000 $ 50,000 $ 58,000
Blount, Alabama 3 $ 273,000 $ 91,000 $ 0
Cleburne, Alabama 3 $ 560,000 $ 186,666 $ 55,000
St. Clair, Alabama 3 $ 596,000 $ 198,666 $ 45,000
Craighead, Arkansas 3 $ 203,000 $ 67,666 $ 47,000
Saline, Arkansas 3 $ 314,000 $ 104,666 $ 22,000
Merced, California 3 $ 563,000 $ 187,666 $ 0
Monterey, California 3 $ 1,835,000 $ 611,666 $ 0
Stanislaus, California 3 $ 457,000 $ 152,333 $ 32,000
Eagle, Colorado 3 $ 1,471,000 $ 490,333 $ 136,000
Teller, Colorado 3 $ 343,000 $ 114,333 $ 39,000
Fairfield, Connecticut 3 $ 1,442,000 $ 480,666 $ 335,000
New Haven, Connecticut 3 $ 486,000 $ 162,000 $ 37,000
Kent, Delaware 3 $ 411,000 $ 137,000 $ 65,000
Brevard, Florida 3 $ 1,086,000 $ 362,000 $ 13,000
Charlotte, Florida 3 $ 276,000 $ 92,000 $ 69,000
Clay, Florida 3 $ 268,000 $ 89,333 $ 47,000
Franklin, Florida 3 $ 1,455,000 $ 485,000 $ 156,000
Bulloch, Georgia 3 $ 331,000 $ 110,333 $ 157,000
Effingham, Georgia 3 $ 375,000 $ 125,000 $ 64,000
Lamar, Georgia 3 $ 362,000 $ 120,666 $ 59,000
Mitchell, Georgia 3 $ 273,000 $ 91,000 $ 65,000
Morgan, Georgia 3 $ 651,000 $ 217,000 $ 90,000
Richmond, Georgia 3 $ 423,000 $ 141,000 $ 60,000
Thomas, Georgia 3 $ 1,872,000 $ 624,000 $ 0
Union, Georgia 3 $ 840,000 $ 280,000 $ 506,000
Upson, Georgia 3 $ 285,000 $ 95,000 $ 60,000
Kendall, Illinois 3 $ 632,000 $ 210,666 $ 71,000
Hendricks, Indiana 3 $ 650,000 $ 216,666 $ 58,000
St. Joseph, Indiana 3 $ 353,000 $ 117,666 $ 49,000
Androscoggin, Maine 3 $ 382,000 $ 127,333 $ 79,000
Cumberland, Maine 3 $ 499,000 $ 166,333 $ 145,000
Garrett, Maryland 3 $ 976,000 $ 325,333 $ 34,000
Suffolk, Massachusetts 3 $ 536,000 $ 178,666 $ 49,000
Benton, Mississippi 3 $ 176,000 $ 58,666 $ 48,000
Tate, Mississippi 3 $ 258,000 $ 86,000 $ 62,000
Tishomingo, Mississippi 3 $ 601,000 $ 200,333 $ 189,000
St. Louis, Missouri 3 $ 361,000 $ 120,333 $ 112,000
Clark, Nevada 3 $ 517,000 $ 172,333 $ 0
Bergen, New Jersey 3 $ 1,152,000 $ 384,000 $ 139,000
Suffolk, New York 3 $ 958,000 $ 319,333 $ 105,000
Currituck, North Carolina 3 $ 2,930,000 $ 976,666 $ 246,000
Wayne, North Carolina 3 $ 467,000 $ 155,666 $ 52,000
Clark, Ohio 3 $ 301,000 $ 100,333 $ 30,000
Summit, Ohio 3 $ 493,000 $ 164,333 $ 101,000
Deschutes, Oregon 3 $ 333,000 $ 111,000 $ 0
Allegheny, Pennsylvania 3 $ 260,000 $ 86,666 $ 95,000
Luzerne, Pennsylvania 3 $ 465,000 $ 155,000 $ 52,000
Montgomery, Pennsylvania 3 $ 404,000 $ 134,666 $ 0
Chesterfield, South Carolina 3 $ 144,000 $ 48,000 $ 47,000
Kershaw, South Carolina 3 $ 217,000 $ 72,333 $ 75,000
Benton, Tennessee 3 $ 374,000 $ 124,666 $ 85,000
Bradley, Tennessee 3 $ 218,000 $ 72,666 $ 25,000
Campbell, Tennessee 3 $ 543,000 $ 181,000 $ 110,000
Grainger, Tennessee 3 $ 268,000 $ 89,333 $ 39,000
Warren, Tennessee 3 $ 279,000 $ 93,000 $ 66,000
Kerr, Texas 3 $ 321,000 $ 107,000 $ 0
Weber, Utah 3 $ 864,000 $ 288,000 $ 112,000
Amelia, Virginia 3 $ 541,000 $ 180,333 $ 89,000
Halifax, Virginia 3 $ 187,000 $ 62,333 $ 34,000
King George, Virginia 3 $ 579,000 $ 193,000 $ 100,000
Norfolk, Virginia 3 $ 481,000 $ 160,333 $ 13,000
Pulaski, Virginia 3 $ 574,000 $ 191,333 $ 75,000
Berkeley, West Virginia 3 $ 398,000 $ 132,666 $ 73,000
Barbour, Alabama 2 $ 322,000 $ 161,000 $ 73,000
Calhoun, Alabama 2 $ 176,000 $ 88,000 $ 60,000
Madison, Alabama 2 $ 220,000 $ 110,000 $ 0
Morgan, Alabama 2 $ 240,000 $ 120,000 $ 41,000
Baxter, Arkansas 2 $ 141,000 $ 70,500 $ 121,000
Benton, Arkansas 2 $ 208,000 $ 104,000 $ 0
Grant, Arkansas 2 $ 254,000 $ 127,000 $ 76,000
St. Francis, Arkansas 2 $ 193,000 $ 96,500 $ 116,000
Union, Arkansas 2 $ 671,000 $ 335,500 $ 572,000
Amador, California 2 $ 405,000 $ 202,500 $ 0
Imperial, California 2 $ 228,000 $ 114,000 $ 0
Placer, California 2 $ 737,000 $ 368,500 $ 47,000
San Joaquin, California 2 $ 756,000 $ 378,000 $ 0
Santa Cruz, California 2 $ 1,290,000 $ 645,000 $ 0
Solano, California 2 $ 517,000 $ 258,500 $ 0
Jefferson, Colorado 2 $ 412,000 $ 206,000 $ 15,000
San Miguel, Colorado 2 $ 2,796,000 $ 1,398,000 $ 222,000
Weld, Colorado 2 $ 439,000 $ 219,500 $ 0
Alachua, Florida 2 $ 347,000 $ 173,500 $ 19,000
Manatee, Florida 2 $ 824,000 $ 412,000 $ 61,000
Martin, Florida 2 $ 814,000 $ 407,000 $ 77,000
Nassau, Florida 2 $ 1,010,000 $ 505,000 $ 326,000
Pasco, Florida 2 $ 158,000 $ 79,000 $ 18,000
Bleckley, Georgia 2 $ 167,000 $ 83,500 $ 85,000
Camden, Georgia 2 $ 317,000 $ 158,500 $ 0
Dade, Georgia 2 $ 230,000 $ 115,000 $ 43,000
Hancock, Georgia 2 $ 224,000 $ 112,000 $ 87,000
Lee, Georgia 2 $ 301,000 $ 150,500 $ 78,000
McIntosh, Georgia 2 $ 407,000 $ 203,500 $ 91,000
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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) 22,851 $3,603,731,000 $209,761 $5,500,000 $103,238 $3,164,000
Home Purchase (one-to-four family) 13,257 $2,275,248,000 $189,659 $2,480,000 $67,022 $2,400,000
Home Improvement (one-to-four family) 3,358 $68,028,000 $61,666 $1,800,000 $58,750 $1,211,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 13 $13,356,000 $1,027,000 $7,600,000 $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 27,799 $4,430,503,000 $197,023 $7,600,000 $98,547 $3,164,000
Information not provided by applicant in mail or telephone application 5,051 $460,979,000 $160,733 $2,050,000 $87,933 $2,400,000
Black 2,965 $382,514,000 $159,333 $1,260,000 $105,761 $2,000,000
Not applicable 1,852 $392,832,000 $183,722 $5,500,000 $1,972 $405,000
Hispanic 881 $131,977,000 $150,304 $1,021,000 $67,913 $1,673,000
Asian or Pacific Islander 539 $93,511,000 $210,071 $1,170,000 $137,142 $900,000
Other 307 $56,218,000 $219,105 $2,400,000 $72,894 $938,000
American Indian or Alaskan Native 85 $11,829,000 $139,500 $470,000 $57,250 $223,000

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) 37,163 $5,681,064,000 $186,272 $7,600,000 $76,840 $3,164,000
FHA-insured (Federal Housing Administration) 1,950 $230,809,000 $103,857 $229,000 $44,857 $735,000
VA-guaranteed (Veterans Administration) 321 $44,130,000 $117,285 $246,000 $41,857 $148,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 45 $4,360,000 $88,250 $184,000 $31,500 $123,000

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 28,755 $4,595,541,000 $199,476 $7,600,000 $96,380 $3,164,000
Application Denied By Financial Institution 4,616 $368,723,000 $150,342 $1,500,000 $156,685 $3,044,000
Application Withdrawn By Applicant 2,771 $437,857,000 $158,214 $5,000,000 $81,214 $1,800,000
Application Approved But Not Accepted 1,874 $247,863,000 $201,628 $1,950,000 $86,200 $984,000
Loan Purchased By The Institution 1,405 $301,113,000 $183,171 $1,000,000 $0 $21,000
File Closed For Incompleteness 58 $9,266,000 $185,500 $605,000 $96,500 $250,000

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 2,217 $113,893,000 $132,000 $1,080,000 $81,000 $1,211,000
Debt-To-Income Ratio 971 $78,420,000 $113,280 $700,000 $52,760 $420,000
Other 667 $70,848,000 $129,461 $1,031,000 $67,423 $1,135,000
Collateral 342 $40,963,000 $124,052 $720,000 $53,631 $300,000
Unverifiable Information 312 $49,089,000 $160,535 $1,000,000 $177,035 $3,044,000
Employment History 60 $8,509,000 $138,666 $455,000 $71,555 $504,000
Credit Application Incomplete 28 $4,513,000 $392,200 $1,500,000 $83,200 $234,000
Insufficient Cash (Downpayment, Closing Cost) 17 $2,134,000 $127,428 $323,000 $53,857 $128,000
Mortgage Insurance Denied 2 $354,000 $177,000 $196,000 $57,000 $68,000

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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