New South Federal Savings Bank Mortgage Lending & HMDA Data, 2003

In 2003, New South Federal Savings Bank of Birmingham, AL reported 19,095 mortgage applications totaling $2.1 billion. The average application was for $108,687, and applicants reported an average income of $54,393. 53% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Birmingham, AL (3,045), Nashville, TN (1,142) and Huntsville, AL (700) (applications in parentheses).

Mortgage Company & Address New South Federal Savings Bank
1900 Crestwood Boulevard
Birmingham, AL 35210
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 19,095
Total Mortgage Loan Application Amount $2,075,388,000
Average Mortgage Loan Application Amount $108,687
Highest Mortgage Loan Application Amount $10,368,000
Average Applicant Income $54,393
Highest Applicant Income $1,612,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records New South Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 New South Federal Savings Bank 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
Jefferson, Alabama 2,066 $ 235,156,000 $ 113,821 $ 54,000
Shelby, Alabama 954 $ 116,753,000 $ 122,382 $ 60,000
Madison, Alabama 555 $ 61,332,000 $ 110,508 $ 52,000
Harris, Texas 542 $ 65,484,000 $ 120,819 $ 74,000
Mobile, Alabama 538 $ 42,805,000 $ 79,563 $ 43,000
Alachua, Florida 350 $ 44,976,000 $ 128,502 $ 66,000
Davidson, Tennessee 326 $ 38,003,000 $ 116,573 $ 56,000
Maricopa, Arizona 325 $ 43,312,000 $ 133,267 $ 49,000
Rutherford, Tennessee 315 $ 37,585,000 $ 119,317 $ 59,000
Montgomery, Alabama 308 $ 27,209,000 $ 88,340 $ 50,000
Hamilton, Tennessee 305 $ 32,115,000 $ 105,295 $ 47,000
Clark, Nevada 291 $ 58,352,000 $ 200,522 $ 65,000
Rapides, Louisiana 268 $ 18,655,000 $ 69,608 $ 48,000
Cullman, Alabama 241 $ 21,274,000 $ 88,273 $ 46,000
Chatham, Georgia 235 $ 31,470,000 $ 133,914 $ 59,000
Morgan, Alabama 227 $ 20,131,000 $ 88,682 $ 46,000
Calhoun, Alabama 214 $ 17,217,000 $ 80,453 $ 48,000
Sumner, Tennessee 213 $ 26,985,000 $ 126,690 $ 51,000
Cumberland, North Carolina 206 $ 25,242,000 $ 122,533 $ 64,000
Lee, Mississippi 176 $ 16,716,000 $ 94,977 $ 50,000
St. Clair, Alabama 170 $ 16,420,000 $ 96,588 $ 42,000
Muscogee, Georgia 169 $ 15,503,000 $ 91,733 $ 46,000
Hinds, Mississippi 169 $ 11,875,000 $ 70,266 $ 46,000
Guilford, North Carolina 159 $ 20,893,000 $ 131,402 $ 64,000
Limestone, Alabama 156 $ 16,806,000 $ 107,730 $ 52,000
Orleans, Louisiana 153 $ 17,357,000 $ 113,444 $ 66,000
Shelby, Tennessee 150 $ 13,630,000 $ 90,866 $ 67,000
Fayette, Kentucky 143 $ 15,997,000 $ 111,867 $ 46,000
Gwinnett, Georgia 136 $ 20,234,000 $ 148,779 $ 60,000
Williamson, Tennessee 129 $ 23,091,000 $ 179,000 $ 81,000
Pulaski, Arkansas 125 $ 8,529,000 $ 68,232 $ 51,000
Virginia Beach, Virginia 110 $ 13,931,000 $ 126,645 $ 47,000
Hanover, Virginia 109 $ 15,163,000 $ 139,110 $ 63,000
Nye, Nevada 108 $ 12,739,000 $ 117,953 $ 77,000
Galveston, Texas 105 $ 14,864,000 $ 141,561 $ 97,000
Tuscaloosa, Alabama 103 $ 10,270,000 $ 99,708 $ 46,000
Jefferson, Louisiana 103 $ 10,744,000 $ 104,310 $ 52,000
Lauderdale, Alabama 101 $ 8,660,000 $ 85,742 $ 51,000
Brazoria, Texas 93 $ 13,870,000 $ 149,139 $ 87,000
Hampton, Virginia 93 $ 9,829,000 $ 105,688 $ 58,000
Henrico, Virginia 91 $ 9,557,000 $ 105,021 $ 66,000
Elmore, Alabama 90 $ 8,992,000 $ 99,911 $ 56,000
Baldwin, Alabama 89 $ 10,562,000 $ 118,674 $ 71,000
Washington, Arkansas 87 $ 7,606,000 $ 87,425 $ 55,000
Pinellas, Florida 87 $ 10,182,000 $ 117,034 $ 55,000
Walker, Alabama 81 $ 6,764,000 $ 83,506 $ 47,000
Duval, Florida 79 $ 8,630,000 $ 109,240 $ 49,000
Robertson, Tennessee 79 $ 10,044,000 $ 127,139 $ 62,000
DeKalb, Georgia 78 $ 10,150,000 $ 130,128 $ 50,000
Fulton, Georgia 77 $ 14,964,000 $ 194,337 $ 110,000
Forrest, Mississippi 77 $ 4,923,000 $ 63,935 $ 49,000
Sebastian, Arkansas 75 $ 4,236,000 $ 56,480 $ 48,000
Knox, Tennessee 75 $ 7,670,000 $ 102,266 $ 50,000
Talladega, Alabama 74 $ 6,354,000 $ 85,864 $ 50,000
Newport News, Virginia 74 $ 7,565,000 $ 102,229 $ 54,000
Lee, Alabama 72 $ 7,215,000 $ 100,208 $ 51,000
Blount, Alabama 70 $ 7,727,000 $ 110,385 $ 53,000
Rankin, Mississippi 67 $ 5,953,000 $ 88,850 $ 54,000
Pasco, Florida 66 $ 7,221,000 $ 109,409 $ 50,000
Hillsborough, Florida 65 $ 7,823,000 $ 120,353 $ 57,000
St. Tammany, Louisiana 65 $ 7,509,000 $ 115,523 $ 61,000
Caddo, Louisiana 63 $ 4,663,000 $ 74,015 $ 67,000
Calcasieu, Louisiana 62 $ 4,468,000 $ 72,064 $ 55,000
Fort Bend, Texas 62 $ 10,158,000 $ 163,838 $ 106,000
Cobb, Georgia 60 $ 10,452,000 $ 174,200 $ 86,000
Crenshaw, Alabama 58 $ 5,193,000 $ 89,534 $ 40,000
Montgomery, Texas 58 $ 11,374,000 $ 196,103 $ 111,000
Escambia, Florida 57 $ 4,469,000 $ 78,403 $ 44,000
Lafayette, Louisiana 57 $ 5,017,000 $ 88,017 $ 58,000
Wilson, Tennessee 57 $ 7,327,000 $ 128,543 $ 46,000
Okaloosa, Florida 56 $ 4,793,000 $ 85,589 $ 48,000
Jones, Georgia 56 $ 7,078,000 $ 126,392 $ 59,000
Russell, Alabama 54 $ 4,968,000 $ 92,000 $ 39,000
Avoyelles, Louisiana 54 $ 3,461,000 $ 64,092 $ 39,000
Bay, Florida 53 $ 3,843,000 $ 72,509 $ 55,000
Sevier, Tennessee 51 $ 6,110,000 $ 119,803 $ 75,000
Colbert, Alabama 50 $ 3,890,000 $ 77,800 $ 45,000
Lowndes, Mississippi 50 $ 3,714,000 $ 74,280 $ 55,000
East Baton Rouge, Louisiana 49 $ 3,648,000 $ 74,448 $ 63,000
Greene, Georgia 44 $ 13,708,000 $ 311,545 $ 132,000
Scotland, North Carolina 44 $ 4,006,000 $ 91,045 $ 45,000
Autauga, Alabama 43 $ 4,286,000 $ 99,674 $ 48,000
Harrison, Mississippi 43 $ 3,370,000 $ 78,372 $ 37,000
Jackson, Mississippi 43 $ 3,398,000 $ 79,023 $ 43,000
Jones, Mississippi 41 $ 2,018,000 $ 49,219 $ 28,000
Franklin, Tennessee 41 $ 3,539,000 $ 86,317 $ 45,000
Maury, Tennessee 41 $ 4,431,000 $ 108,073 $ 45,000
Washington, Utah 41 $ 5,706,000 $ 139,170 $ 55,000
Chilton, Alabama 40 $ 2,765,000 $ 69,125 $ 49,000
Cheatham, Tennessee 40 $ 4,998,000 $ 124,950 $ 42,000
Benton, Arkansas 39 $ 3,688,000 $ 94,564 $ 42,000
Lamar, Mississippi 39 $ 3,991,000 $ 102,333 $ 54,000
Madison, Mississippi 39 $ 4,043,000 $ 103,666 $ 71,000
Pearl River, Mississippi 39 $ 2,584,000 $ 66,256 $ 40,000
Jasper, Missouri 39 $ 2,150,000 $ 55,128 $ 26,000
Lawrence, Alabama 37 $ 3,205,000 $ 86,621 $ 51,000
Catoosa, Georgia 37 $ 4,066,000 $ 109,891 $ 45,000
Monroe, Mississippi 37 $ 2,909,000 $ 78,621 $ 53,000
York, Virginia 37 $ 5,381,000 $ 145,432 $ 85,000
Crawford, Arkansas 35 $ 2,110,000 $ 60,285 $ 41,000
Grant, Louisiana 35 $ 2,241,000 $ 64,028 $ 38,000
Pontotoc, Mississippi 35 $ 3,521,000 $ 100,600 $ 42,000
Effingham, Georgia 31 $ 4,043,000 $ 130,419 $ 61,000
Wayne, Mississippi 31 $ 2,994,000 $ 96,580 $ 67,000
Etowah, Alabama 30 $ 1,748,000 $ 58,266 $ 32,000
Winston, Alabama 30 $ 4,015,000 $ 133,833 $ 56,000
Orange, Florida 29 $ 3,676,000 $ 126,758 $ 68,000
Oktibbeha, Mississippi 29 $ 1,868,000 $ 64,413 $ 39,000
Jackson, Alabama 27 $ 2,028,000 $ 75,111 $ 45,000
Craighead, Arkansas 27 $ 1,842,000 $ 68,222 $ 42,000
Faulkner, Arkansas 27 $ 2,087,000 $ 77,296 $ 36,000
Walker, Georgia 27 $ 2,199,000 $ 81,444 $ 49,000
Hoke, North Carolina 27 $ 2,657,000 $ 98,407 $ 46,000
Madison, Tennessee 26 $ 2,201,000 $ 84,653 $ 48,000
Marshall, Alabama 25 $ 1,835,000 $ 73,400 $ 39,000
Putnam, Georgia 25 $ 6,888,000 $ 275,520 $ 121,000
Gibson, Tennessee 25 $ 1,756,000 $ 70,240 $ 42,000
Norfolk, Virginia 25 $ 2,305,000 $ 92,200 $ 50,000
Ouachita, Louisiana 24 $ 1,435,000 $ 59,791 $ 35,000
Robeson, North Carolina 23 $ 2,074,000 $ 90,173 $ 38,000
Tallapoosa, Alabama 22 $ 2,778,000 $ 126,272 $ 99,000
Saline, Arkansas 22 $ 1,621,000 $ 73,681 $ 52,000
Broward, Florida 22 $ 3,591,000 $ 163,227 $ 57,000
Lee, Florida 22 $ 3,662,000 $ 166,454 $ 156,000
Polk, Florida 22 $ 2,498,000 $ 113,545 $ 53,000
Bryan, Georgia 22 $ 3,224,000 $ 146,545 $ 63,000
Forsyth, Georgia 22 $ 4,540,000 $ 206,363 $ 85,000
Jefferson, Kentucky 22 $ 2,379,000 $ 108,136 $ 48,000
Allen, Louisiana 22 $ 1,436,000 $ 65,272 $ 49,000
Chesterfield, Virginia 22 $ 2,619,000 $ 119,045 $ 56,000
Harris, Georgia 21 $ 2,689,000 $ 128,047 $ 70,000
Bossier, Louisiana 21 $ 1,863,000 $ 88,714 $ 73,000
Iberia, Louisiana 21 $ 1,500,000 $ 71,428 $ 43,000
Vernon, Louisiana 21 $ 1,027,000 $ 48,904 $ 47,000
Itawamba, Mississippi 21 $ 1,363,000 $ 64,904 $ 42,000
Houston, Alabama 20 $ 4,583,000 $ 229,150 $ 36,000
Cherokee, Georgia 20 $ 3,783,000 $ 189,150 $ 82,000
Clayton, Georgia 20 $ 1,418,000 $ 70,900 $ 49,000
Acadia, Louisiana 20 $ 991,000 $ 49,550 $ 34,000
Natchitoches, Louisiana 20 $ 1,436,000 $ 71,800 $ 41,000
Hancock, Mississippi 20 $ 1,258,000 $ 62,900 $ 33,000
Pike, Mississippi 20 $ 1,065,000 $ 53,250 $ 45,000
Washington, Mississippi 20 $ 965,000 $ 48,250 $ 33,000
Richmond City, Virginia 20 $ 1,901,000 $ 95,050 $ 52,000
Washington, Alabama 19 $ 1,282,000 $ 67,473 $ 48,000
Marion, Florida 19 $ 1,882,000 $ 99,052 $ 65,000
Miami-Dade, Florida 19 $ 2,513,000 $ 132,263 $ 71,000
Evangeline, Louisiana 19 $ 1,181,000 $ 62,157 $ 48,000
Covington, Mississippi 19 $ 830,000 $ 43,684 $ 32,000
Prentiss, Mississippi 19 $ 1,314,000 $ 69,157 $ 38,000
Union, Mississippi 19 $ 1,377,000 $ 72,473 $ 35,000
Bexar, Texas 19 $ 1,923,000 $ 101,210 $ 69,000
Chesapeake, Virginia 19 $ 2,135,000 $ 112,368 $ 60,000
Bibb, Alabama 18 $ 1,486,000 $ 82,555 $ 40,000
Clay, Florida 18 $ 1,864,000 $ 103,555 $ 52,000
La Salle, Louisiana 18 $ 1,011,000 $ 56,166 $ 40,000
DeSoto, Mississippi 18 $ 1,466,000 $ 81,444 $ 52,000
Lincoln, Mississippi 18 $ 1,148,000 $ 63,777 $ 68,000
Marion, Mississippi 18 $ 932,000 $ 51,777 $ 53,000
Scott, Mississippi 18 $ 1,003,000 $ 55,722 $ 38,000
Harnett, North Carolina 18 $ 2,788,000 $ 154,888 $ 57,000
Rockingham, North Carolina 18 $ 2,027,000 $ 112,611 $ 103,000
Richland, South Carolina 18 $ 2,564,000 $ 142,444 $ 69,000
Humphreys, Tennessee 18 $ 1,413,000 $ 78,500 $ 36,000
Roane, Tennessee 18 $ 2,491,000 $ 138,388 $ 63,000
Volusia, Florida 17 $ 1,939,000 $ 114,058 $ 53,000
Catahoula, Louisiana 17 $ 981,000 $ 57,705 $ 40,000
Newton, Missouri 17 $ 1,036,000 $ 60,941 $ 48,000
Forsyth, North Carolina 17 $ 1,766,000 $ 103,882 $ 60,000
Sequoyah, Oklahoma 17 $ 993,000 $ 58,411 $ 49,000
Montgomery, Tennessee 17 $ 1,978,000 $ 116,352 $ 55,000
Travis, Texas 17 $ 2,091,000 $ 123,000 $ 100,000
Franklin, Alabama 16 $ 990,000 $ 61,875 $ 43,000
Lonoke, Arkansas 16 $ 1,818,000 $ 113,625 $ 51,000
Hernando, Florida 16 $ 1,881,000 $ 117,562 $ 57,000
Hall, Georgia 16 $ 2,013,000 $ 125,812 $ 57,000
St. Landry, Louisiana 16 $ 1,127,000 $ 70,437 $ 38,000
Bolivar, Mississippi 16 $ 848,000 $ 53,000 $ 34,000
Warren, Mississippi 16 $ 1,300,000 $ 81,250 $ 46,000
Blount, Tennessee 16 $ 1,799,000 $ 112,437 $ 43,000
Coffee, Tennessee 16 $ 1,613,000 $ 100,812 $ 43,000
Dallas, Alabama 15 $ 1,001,000 $ 66,733 $ 45,000
DeKalb, Alabama 15 $ 1,329,000 $ 88,600 $ 38,000
Walton, Florida 15 $ 1,730,000 $ 115,333 $ 114,000
Chickasaw, Mississippi 15 $ 1,037,000 $ 69,133 $ 44,000
Copiah, Mississippi 15 $ 746,000 $ 49,733 $ 39,000
Lauderdale, Mississippi 15 $ 1,323,000 $ 88,200 $ 52,000
Leake, Mississippi 15 $ 758,000 $ 50,533 $ 33,000
Simpson, Mississippi 15 $ 978,000 $ 65,200 $ 49,000
Lexington, South Carolina 15 $ 2,578,000 $ 171,866 $ 62,000
Cherokee, Alabama 14 $ 858,000 $ 61,285 $ 31,000
Coffee, Alabama 14 $ 1,015,000 $ 72,500 $ 42,000
Macon, Alabama 14 $ 896,000 $ 64,000 $ 36,000
Pinal, Arizona 14 $ 1,723,000 $ 123,071 $ 29,000
Santa Rosa, Florida 14 $ 5,207,000 $ 371,928 $ 61,000
Seminole, Florida 14 $ 1,576,000 $ 112,571 $ 47,000
Clay, Mississippi 14 $ 842,000 $ 60,142 $ 31,000
Jefferson Davis, Mississippi 14 $ 740,000 $ 52,857 $ 34,000
Leflore, Mississippi 14 $ 1,102,000 $ 78,714 $ 44,000
Perry, Mississippi 14 $ 826,000 $ 59,000 $ 35,000
Tishomingo, Mississippi 14 $ 928,000 $ 66,285 $ 42,000
Yazoo, Mississippi 14 $ 772,000 $ 55,142 $ 43,000
Le Flore, Oklahoma 14 $ 720,000 $ 51,428 $ 34,000
Anderson, Tennessee 14 $ 1,258,000 $ 89,857 $ 97,000
Bradley, Tennessee 14 $ 947,000 $ 67,642 $ 28,000
New Kent, Virginia 14 $ 1,595,000 $ 113,928 $ 53,000
Monroe, Alabama 13 $ 726,000 $ 55,846 $ 39,000
Mississippi, Arkansas 13 $ 694,000 $ 53,384 $ 34,000
Livingston, Louisiana 13 $ 1,429,000 $ 109,923 $ 39,000
George, Mississippi 13 $ 745,000 $ 57,307 $ 37,000
Hays, Texas 13 $ 2,207,000 $ 169,769 $ 82,000
Franklin, Arkansas 12 $ 854,000 $ 71,166 $ 40,000
Garland, Arkansas 12 $ 1,388,000 $ 115,666 $ 61,000
Palm Beach, Florida 12 $ 1,948,000 $ 162,333 $ 70,000
St. Bernard, Louisiana 12 $ 984,000 $ 82,000 $ 42,000
Alcorn, Mississippi 12 $ 806,000 $ 67,166 $ 45,000
Greene, Mississippi 12 $ 818,000 $ 68,166 $ 45,000
Walthall, Mississippi 12 $ 646,000 $ 53,833 $ 37,000
King William, Virginia 12 $ 1,268,000 $ 105,666 $ 55,000
Poquoson, Virginia 12 $ 2,021,000 $ 168,416 $ 88,000
Chambers, Alabama 11 $ 607,000 $ 55,181 $ 36,000
Jefferson, Arkansas 11 $ 688,000 $ 62,545 $ 35,000
Manatee, Florida 11 $ 1,339,000 $ 121,727 $ 46,000
St. Lucie, Florida 11 $ 1,487,000 $ 135,181 $ 81,000
Scott, Kentucky 11 $ 1,644,000 $ 149,454 $ 56,000
Jasper, Mississippi 11 $ 596,000 $ 54,181 $ 32,000
Newton, Mississippi 11 $ 740,000 $ 67,272 $ 41,000
Greene, Missouri 11 $ 703,000 $ 63,909 $ 32,000
Wake, North Carolina 11 $ 1,523,000 $ 138,454 $ 59,000
Ottawa, Oklahoma 11 $ 545,000 $ 49,545 $ 23,000
Dallas, Texas 11 $ 691,000 $ 62,818 $ 51,000
Tarrant, Texas 11 $ 1,625,000 $ 147,727 $ 81,000
Isle of Wight, Virginia 11 $ 1,925,000 $ 175,000 $ 69,000
James City, Virginia 11 $ 1,821,000 $ 165,545 $ 94,000
Butler, Alabama 10 $ 598,000 $ 59,800 $ 40,000
Dale, Alabama 10 $ 888,000 $ 88,800 $ 55,000
Lawrence, Arkansas 10 $ 506,000 $ 50,600 $ 33,000
White, Arkansas 10 $ 868,000 $ 86,800 $ 48,000
Collier, Florida 10 $ 1,725,000 $ 172,500 $ 85,000
Osceola, Florida 10 $ 1,213,000 $ 121,300 $ 70,000
Barrow, Georgia 10 $ 1,272,000 $ 127,200 $ 52,000
Morgan, Georgia 10 $ 1,116,000 $ 111,600 $ 81,000
Beauregard, Louisiana 10 $ 721,000 $ 72,100 $ 69,000
Tangipahoa, Louisiana 10 $ 605,000 $ 60,500 $ 40,000
Sunflower, Mississippi 10 $ 635,000 $ 63,500 $ 46,000
Greenville, South Carolina 10 $ 1,176,000 $ 117,600 $ 43,000
Dickson, Tennessee 10 $ 1,012,000 $ 101,200 $ 36,000
Jefferson, Tennessee 10 $ 1,176,000 $ 117,600 $ 46,000
Clay, Alabama 9 $ 540,000 $ 60,000 $ 28,000
Marion, Alabama 9 $ 721,000 $ 80,111 $ 54,000
Poinsett, Arkansas 9 $ 767,000 $ 85,222 $ 47,000
Van Buren, Arkansas 9 $ 611,000 $ 67,888 $ 46,000
Leon, Florida 9 $ 629,000 $ 69,888 $ 50,000
St. Johns, Florida 9 $ 1,284,000 $ 142,666 $ 78,000
Bibb, Georgia 9 $ 1,119,000 $ 124,333 $ 75,000
Cherokee, Kansas 9 $ 522,000 $ 58,000 $ 36,000
Jessamine, Kentucky 9 $ 926,000 $ 102,888 $ 50,000
Concordia, Louisiana 9 $ 579,000 $ 64,333 $ 50,000
Panola, Mississippi 9 $ 624,000 $ 69,333 $ 39,000
Smith, Mississippi 9 $ 464,000 $ 51,555 $ 34,000
Loudon, Tennessee 9 $ 1,893,000 $ 210,333 $ 82,000
Cleburne, Alabama 8 $ 473,000 $ 59,125 $ 32,000
Escambia, Alabama 8 $ 458,000 $ 57,250 $ 48,000
Yavapai, Arizona 8 $ 947,000 $ 118,375 $ 56,000
Crittenden, Arkansas 8 $ 464,000 $ 58,000 $ 48,000
Levy, Florida 8 $ 915,000 $ 114,375 $ 73,000
Putnam, Florida 8 $ 608,000 $ 76,000 $ 48,000
Sarasota, Florida 8 $ 1,149,000 $ 143,625 $ 70,000
Dade, Georgia 8 $ 885,000 $ 110,625 $ 51,000
Liberty, Georgia 8 $ 542,000 $ 67,750 $ 60,000
Jefferson Davis, Louisiana 8 $ 475,000 $ 59,375 $ 41,000
St. Martin, Louisiana 8 $ 561,000 $ 70,125 $ 38,000
Washington, Louisiana 8 $ 899,000 $ 112,375 $ 62,000
Winston, Mississippi 8 $ 401,000 $ 50,125 $ 39,000
Sullivan, Tennessee 8 $ 502,000 $ 62,750 $ 32,000
Gloucester, Virginia 8 $ 795,000 $ 99,375 $ 52,000
Clay, Arkansas 7 $ 291,000 $ 41,571 $ 37,000
Conway, Arkansas 7 $ 432,000 $ 61,714 $ 46,000
Hot Spring, Arkansas 7 $ 506,000 $ 72,285 $ 35,000
Jackson, Arkansas 7 $ 381,000 $ 54,428 $ 49,000
Johnson, Arkansas 7 $ 415,000 $ 59,285 $ 41,000
Logan, Arkansas 7 $ 373,000 $ 53,285 $ 36,000
Phillips, Arkansas 7 $ 433,000 $ 61,857 $ 49,000
Pope, Arkansas 7 $ 661,000 $ 94,428 $ 100,000
Citrus, Florida 7 $ 1,066,000 $ 152,285 $ 56,000
Washington, Florida 7 $ 476,000 $ 68,000 $ 41,000
Coweta, Georgia 7 $ 811,000 $ 115,857 $ 45,000
Glynn, Georgia 7 $ 804,000 $ 114,857 $ 58,000
Henry, Georgia 7 $ 824,000 $ 117,714 $ 78,000
Newton, Georgia 7 $ 815,000 $ 116,428 $ 77,000
Ascension, Louisiana 7 $ 1,166,000 $ 166,571 $ 89,000
De Soto, Louisiana 7 $ 754,000 $ 107,714 $ 44,000
Sabine, Louisiana 7 $ 349,000 $ 49,857 $ 49,000
St. Charles, Louisiana 7 $ 926,000 $ 132,285 $ 46,000
Terrebonne, Louisiana 7 $ 405,000 $ 57,857 $ 30,000
Vermilion, Louisiana 7 $ 322,000 $ 46,000 $ 37,000
Grenada, Mississippi 7 $ 449,000 $ 64,142 $ 32,000
Tippah, Mississippi 7 $ 366,000 $ 52,285 $ 41,000
Randolph, North Carolina 7 $ 767,000 $ 109,571 $ 70,000
Bedford, Tennessee 7 $ 691,000 $ 98,714 $ 48,000
Cannon, Tennessee 7 $ 554,000 $ 79,142 $ 36,000
Giles, Tennessee 7 $ 749,000 $ 107,000 $ 43,000
Marshall, Tennessee 7 $ 490,000 $ 70,000 $ 44,000
Tipton, Tennessee 7 $ 816,000 $ 116,571 $ 47,000
Collin, Texas 7 $ 841,000 $ 120,142 $ 86,000
Suffolk, Virginia 7 $ 1,049,000 $ 149,857 $ 68,000
Barbour, Alabama 6 $ 408,000 $ 68,000 $ 30,000
Conecuh, Alabama 6 $ 318,000 $ 53,000 $ 43,000
Covington, Alabama 6 $ 424,000 $ 70,666 $ 59,000
Fayette, Alabama 6 $ 273,000 $ 45,500 $ 37,000
Lamar, Alabama 6 $ 427,000 $ 71,166 $ 30,000
Randolph, Alabama 6 $ 371,000 $ 61,833 $ 56,000
Greene, Arkansas 6 $ 432,000 $ 72,000 $ 59,000
Madison, Arkansas 6 $ 398,000 $ 66,333 $ 34,000
Polk, Arkansas 6 $ 269,000 $ 44,833 $ 90,000
Brevard, Florida 6 $ 868,000 $ 144,666 $ 73,000
Carroll, Georgia 6 $ 672,000 $ 112,000 $ 53,000
Lamar, Georgia 6 $ 1,213,000 $ 202,166 $ 104,000
Paulding, Georgia 6 $ 680,000 $ 113,333 $ 55,000
Rockdale, Georgia 6 $ 1,032,000 $ 172,000 $ 98,000
Gibson, Indiana 6 $ 922,000 $ 153,666 $ 67,000
Henderson, Kentucky 6 $ 618,000 $ 103,000 $ 52,000
Nelson, Kentucky 6 $ 408,000 $ 68,000 $ 50,000
Madison, Louisiana 6 $ 290,000 $ 48,333 $ 34,000
St. Mary, Louisiana 6 $ 300,000 $ 50,000 $ 46,000
Winn, Louisiana 6 $ 390,000 $ 65,000 $ 48,000
Attala, Mississippi 6 $ 259,000 $ 43,166 $ 34,000
Clarke, Mississippi 6 $ 356,000 $ 59,333 $ 44,000
Holmes, Mississippi 6 $ 303,000 $ 50,500 $ 38,000
Neshoba, Mississippi 6 $ 322,000 $ 53,666 $ 25,000
Barry, Missouri 6 $ 325,000 $ 54,166 $ 30,000
Lawrence, Missouri 6 $ 352,000 $ 58,666 $ 32,000
St. Louis City, Missouri 6 $ 497,000 $ 82,833 $ 50,000
Cumberland, Tennessee 6 $ 392,000 $ 65,333 $ 100,000
Fayette, Tennessee 6 $ 760,000 $ 126,666 $ 59,000
Hawkins, Tennessee 6 $ 477,000 $ 79,500 $ 36,000
Monroe, Tennessee 6 $ 629,000 $ 104,833 $ 49,000
Union, Tennessee 6 $ 425,000 $ 70,833 $ 40,000
Warren, Tennessee 6 $ 468,000 $ 78,000 $ 71,000
Washington, Tennessee 6 $ 675,000 $ 112,500 $ 58,000
Cameron, Texas 6 $ 863,000 $ 143,833 $ 91,000
Smith, Texas 6 $ 510,000 $ 85,000 $ 38,000
Coosa, Alabama 5 $ 202,000 $ 40,400 $ 30,000
Geneva, Alabama 5 $ 381,000 $ 76,200 $ 53,000
Henry, Alabama 5 $ 343,000 $ 68,600 $ 39,000
Lowndes, Alabama 5 $ 326,000 $ 65,200 $ 38,000
Pike, Alabama 5 $ 364,000 $ 72,800 $ 56,000
Independence, Arkansas 5 $ 363,000 $ 72,600 $ 29,000
Ouachita, Arkansas 5 $ 229,000 $ 45,800 $ 26,000
Perry, Arkansas 5 $ 334,000 $ 66,800 $ 37,000
Union, Arkansas 5 $ 398,000 $ 79,600 $ 60,000
Holmes, Florida 5 $ 178,000 $ 35,600 $ 21,000
Clarke, Georgia 5 $ 453,000 $ 90,600 $ 77,000
Fayette, Georgia 5 $ 769,000 $ 153,800 $ 74,000
Houston, Georgia 5 $ 652,000 $ 130,400 $ 164,000
Talbot, Georgia 5 $ 485,000 $ 97,000 $ 54,000
Walton, Georgia 5 $ 628,000 $ 125,600 $ 59,000
Iberville, Louisiana 5 $ 651,000 $ 130,200 $ 44,000
Lafourche, Louisiana 5 $ 326,000 $ 65,200 $ 38,000
Lincoln, Louisiana 5 $ 178,000 $ 35,600 $ 18,000
Plaquemines, Louisiana 5 $ 909,000 $ 181,800 $ 91,000
St. John the Baptist, Louisiana 5 $ 590,000 $ 118,000 $ 41,000
Union, Louisiana 5 $ 232,000 $ 46,400 $ 31,000
Adams, Mississippi 5 $ 1,676,000 $ 335,200 $ 107,000
Choctaw, Mississippi 5 $ 207,000 $ 41,400 $ 22,000
Lawrence, Mississippi 5 $ 234,000 $ 46,800 $ 34,000
Stone, Mississippi 5 $ 542,000 $ 108,400 $ 52,000
Dunklin, Missouri 5 $ 193,000 $ 38,600 $ 26,000
St. Louis, Missouri 5 $ 586,000 $ 117,200 $ 132,000
Washoe, Nevada 5 $ 852,000 $ 170,400 $ 61,000
Dare, North Carolina 5 $ 692,000 $ 138,400 $ 61,000
Macon, North Carolina 5 $ 982,000 $ 196,400 $ 138,000
New Hanover, North Carolina 5 $ 781,000 $ 156,200 $ 102,000
Darlington, South Carolina 5 $ 254,000 $ 50,800 $ 27,000
Horry, South Carolina 5 $ 614,000 $ 122,800 $ 81,000
York, South Carolina 5 $ 832,000 $ 166,400 $ 35,000
Chester, Tennessee 5 $ 439,000 $ 87,800 $ 62,000
Hamblen, Tennessee 5 $ 329,000 $ 65,800 $ 29,000
Hardeman, Tennessee 5 $ 410,000 $ 82,000 $ 32,000
McMinn, Tennessee 5 $ 445,000 $ 89,000 $ 51,000
Comal, Texas 5 $ 588,000 $ 117,600 $ 81,000
Kaufman, Texas 5 $ 401,000 $ 80,200 $ 81,000
Portsmouth, Virginia 5 $ 509,000 $ 101,800 $ 62,000
Clarke, Alabama 4 $ 349,000 $ 87,250 $ 36,000
Marengo, Alabama 4 $ 486,000 $ 121,500 $ 71,000
Wilcox, Alabama 4 $ 340,000 $ 85,000 $ 43,000
Coconino, Arizona 4 $ 797,000 $ 199,250 $ 181,000
Baxter, Arkansas 4 $ 433,000 $ 108,250 $ 51,000
Bradley, Arkansas 4 $ 224,000 $ 56,000 $ 49,000
Carroll, Arkansas 4 $ 411,000 $ 102,750 $ 53,000
Newton, Arkansas 4 $ 495,000 $ 123,750 $ 40,000
Randolph, Arkansas 4 $ 212,000 $ 53,000 $ 40,000
Charlotte, Florida 4 $ 308,000 $ 77,000 $ 47,000
Gulf, Florida 4 $ 692,000 $ 173,000 $ 66,000
Jackson, Florida 4 $ 207,000 $ 51,750 $ 22,000
Sumter, Florida 4 $ 539,000 $ 134,750 $ 47,000
Baldwin, Georgia 4 $ 442,000 $ 110,500 $ 71,000
Bartow, Georgia 4 $ 481,000 $ 120,250 $ 78,000
Bulloch, Georgia 4 $ 433,000 $ 108,250 $ 80,000
Douglas, Georgia 4 $ 855,000 $ 213,750 $ 87,000
Oconee, Georgia 4 $ 666,000 $ 166,500 $ 50,000
Marion, Indiana 4 $ 262,000 $ 65,500 $ 23,000
Vanderburgh, Indiana 4 $ 208,000 $ 52,000 $ 17,000
Montgomery, Kansas 4 $ 216,000 $ 54,000 $ 46,000
Madison, Kentucky 4 $ 667,000 $ 166,750 $ 53,000
Oldham, Kentucky 4 $ 512,000 $ 128,000 $ 71,000
Woodford, Kentucky 4 $ 533,000 $ 133,250 $ 70,000
St. Mary's, Maryland 4 $ 531,000 $ 132,750 $ 61,000
Amite, Mississippi 4 $ 259,000 $ 64,750 $ 34,000
Lafayette, Mississippi 4 $ 478,000 $ 119,500 $ 64,000
Tallahatchie, Mississippi 4 $ 246,000 $ 61,500 $ 51,000
Tate, Mississippi 4 $ 536,000 $ 134,000 $ 77,000
McDonald, Missouri 4 $ 246,000 $ 61,500 $ 26,000
Alamance, North Carolina 4 $ 519,000 $ 129,750 $ 63,000
Craven, North Carolina 4 $ 308,000 $ 77,000 $ 56,000
Lee, North Carolina 4 $ 423,000 $ 105,750 $ 51,000
Mecklenburg, North Carolina 4 $ 616,000 $ 154,000 $ 84,000
Moore, North Carolina 4 $ 629,000 $ 157,250 $ 48,000
Sampson, North Carolina 4 $ 370,000 $ 92,500 $ 49,000
Charleston, South Carolina 4 $ 589,000 $ 147,250 $ 58,000
Dorchester, South Carolina 4 $ 343,000 $ 85,750 $ 42,000
Kershaw, South Carolina 4 $ 462,000 $ 115,500 $ 64,000
Williamsburg, South Carolina 4 $ 133,000 $ 33,250 $ 59,000
Crockett, Tennessee 4 $ 498,000 $ 124,500 $ 38,000
Grainger, Tennessee 4 $ 547,000 $ 136,750 $ 60,000
Lauderdale, Tennessee 4 $ 284,000 $ 71,000 $ 35,000
Macon, Tennessee 4 $ 339,000 $ 84,750 $ 43,000
Rhea, Tennessee 4 $ 345,000 $ 86,250 $ 55,000
Weakley, Tennessee 4 $ 287,000 $ 71,750 $ 45,000
Caldwell, Texas 4 $ 632,000 $ 158,000 $ 100,000
McLennan, Texas 4 $ 239,000 $ 59,750 $ 61,000
Salt Lake, Utah 4 $ 525,000 $ 131,250 $ 74,000
Charles City, Virginia 4 $ 454,000 $ 113,500 $ 66,000
Northumberland, Virginia 4 $ 496,000 $ 124,000 $ 119,000
Powhatan, Virginia 4 $ 553,000 $ 138,250 $ 49,000
Choctaw, Alabama 3 $ 455,000 $ 151,666 $ 89,000
Hale, Alabama 3 $ 258,000 $ 86,000 $ 29,000
Pickens, Alabama 3 $ 226,000 $ 75,333 $ 31,000
Navajo, Arizona 3 $ 265,000 $ 88,333 $ 66,000
Chicot, Arkansas 3 $ 146,000 $ 48,666 $ 30,000
Cleburne, Arkansas 3 $ 317,000 $ 105,666 $ 52,000
Lincoln, Arkansas 3 $ 199,000 $ 66,333 $ 37,000
Marion, Arkansas 3 $ 174,000 $ 58,000 $ 38,000
Yell, Arkansas 3 $ 129,000 $ 43,000 $ 42,000
Bradford, Florida 3 $ 267,000 $ 89,000 $ 47,000
Flagler, Florida 3 $ 413,000 $ 137,666 $ 41,000
Gilchrist, Florida 3 $ 231,000 $ 77,000 $ 45,000
Highlands, Florida 3 $ 233,000 $ 77,666 $ 54,000
Union, Florida 3 $ 613,000 $ 204,333 $ 114,000
Wakulla, Florida 3 $ 208,000 $ 69,333 $ 51,000
Chattahoochee, Georgia 3 $ 202,000 $ 67,333 $ 42,000
Marion, Georgia 3 $ 291,000 $ 97,000 $ 51,000
Towns, Georgia 3 $ 507,000 $ 169,000 $ 91,000
Troup, Georgia 3 $ 417,000 $ 139,000 $ 68,000
Whitfield, Georgia 3 $ 160,000 $ 53,333 $ 38,000
Crawford, Kansas 3 $ 127,000 $ 42,333 $ 31,000
Labette, Kansas 3 $ 153,000 $ 51,000 $ 38,000
Daviess, Kentucky 3 $ 232,000 $ 77,333 $ 50,000
Hardin, Kentucky 3 $ 479,000 $ 159,666 $ 68,000
Harrison, Kentucky 3 $ 131,000 $ 43,666 $ 45,000
Franklin, Louisiana 3 $ 201,000 $ 67,000 $ 42,000
St. Helena, Louisiana 3 $ 493,000 $ 164,333 $ 54,000
Webster, Louisiana 3 $ 109,000 $ 36,333 $ 40,000
West Baton Rouge, Louisiana 3 $ 289,000 $ 96,333 $ 39,000
Carroll, Mississippi 3 $ 127,000 $ 42,333 $ 39,000
Claiborne, Mississippi 3 $ 131,000 $ 43,666 $ 41,000
Coahoma, Mississippi 3 $ 249,000 $ 83,000 $ 48,000
Humphreys, Mississippi 3 $ 162,000 $ 54,000 $ 44,000
Montgomery, Mississippi 3 $ 195,000 $ 65,000 $ 27,000
Noxubee, Mississippi 3 $ 229,000 $ 76,333 $ 44,000
Christian, Missouri 3 $ 185,000 $ 61,666 $ 34,000
Durham, North Carolina 3 $ 525,000 $ 175,000 $ 74,000
Orange, North Carolina 3 $ 546,000 $ 182,000 $ 75,000
Hamilton, Ohio 3 $ 198,000 $ 66,000 $ 93,000
Craig, Oklahoma 3 $ 158,000 $ 52,666 $ 28,000
Aiken, South Carolina 3 $ 168,000 $ 56,000 $ 43,000
Beaufort, South Carolina 3 $ 702,000 $ 234,000 $ 78,000
Laurens, South Carolina 3 $ 286,000 $ 95,333 $ 53,000
Oconee, South Carolina 3 $ 648,000 $ 216,000 $ 112,000
Spartanburg, South Carolina 3 $ 152,000 $ 50,666 $ 28,000
Carter, Tennessee 3 $ 195,000 $ 65,000 $ 50,000
Cocke, Tennessee 3 $ 226,000 $ 75,333 $ 30,000
Dyer, Tennessee 3 $ 184,000 $ 61,333 $ 51,000
Greene, Tennessee 3 $ 344,000 $ 114,666 $ 66,000
Hardin, Tennessee 3 $ 499,000 $ 166,333 $ 154,000
Henderson, Tennessee 3 $ 263,000 $ 87,666 $ 63,000
Lawrence, Tennessee 3 $ 311,000 $ 103,666 $ 42,000
McNairy, Tennessee 3 $ 265,000 $ 88,333 $ 48,000
Putnam, Tennessee 3 $ 164,000 $ 54,666 $ 32,000
Smith, Tennessee 3 $ 213,000 $ 71,000 $ 33,000
Anderson, Texas 3 $ 157,000 $ 52,333 $ 25,000
El Paso, Texas 3 $ 4,816,000 $ 1,605,333 $ 42,000
Gregg, Texas 3 $ 143,000 $ 47,666 $ 23,000
Hood, Texas 3 $ 327,000 $ 109,000 $ 53,000
Matagorda, Texas 3 $ 467,000 $ 155,666 $ 80,000
Uvalde, Texas 3 $ 367,000 $ 122,333 $ 89,000
Alexandria, Virginia 3 $ 950,000 $ 316,666 $ 93,000
Essex, Virginia 3 $ 414,000 $ 138,000 $ 49,000
Louisa, Virginia 3 $ 306,000 $ 102,000 $ 37,000
Greene, Alabama 2 $ 113,000 $ 56,500 $ 38,000
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Mortgage Loan Application Detail Totals for New South Federal Savings 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) 11,267 $1,146,637,000 $113,607 $1,470,000 $53,750 $753,000
Home Purchase (one-to-four family) 7,817 $877,756,000 $130,103 $920,000 $65,137 $1,612,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 11 $50,995,000 $4,944,000 $10,368,000 $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 14,512 $1,622,648,000 $121,787 $1,470,000 $60,454 $1,612,000
Black 3,413 $274,985,000 $119,818 $723,000 $50,636 $420,000
Hispanic 604 $64,127,000 $115,117 $472,000 $46,352 $244,000
Asian or Pacific Islander 225 $28,950,000 $127,384 $370,000 $67,615 $312,000
Information not provided by applicant in mail or telephone application 160 $13,549,000 $89,733 $420,000 $41,466 $396,000
Other 121 $15,065,000 $127,000 $400,000 $68,846 $360,000
American Indian or Alaskan Native 49 $5,069,000 $103,916 $442,000 $49,666 $311,000
Not applicable 11 $50,995,000 $4,944,000 $10,368,000 $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) 15,247 $1,655,979,000 $446,212 $10,368,000 $61,030 $1,612,000
FHA-insured (Federal Housing Administration) 3,423 $370,557,000 $123,300 $348,000 $58,850 $883,000
VA-guaranteed (Veterans Administration) 278 $35,121,000 $114,142 $315,000 $45,500 $154,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 147 $13,731,000 $89,500 $174,000 $36,500 $112,000

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 10,027 $1,181,650,000 $618,461 $10,368,000 $60,923 $1,612,000
Application Denied By Financial Institution 3,656 $338,907,000 $113,750 $1,470,000 $54,041 $804,000
Application Approved But Not Accepted 1,594 $168,641,000 $111,782 $944,000 $58,913 $576,000
Application Withdrawn By Applicant 1,457 $167,833,000 $109,238 $5,000,000 $50,000 $403,000
File Closed For Incompleteness 1,224 $102,551,000 $109,421 $675,000 $54,210 $675,000
Loan Purchased By The Institution 1,137 $115,806,000 $133,375 $680,000 $62,416 $1,322,000

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 1,981 $160,482,000 $86,952 $750,000 $48,714 $804,000
Debt-To-Income Ratio 664 $64,407,000 $142,714 $1,470,000 $50,857 $288,000
Other 355 $44,034,000 $95,684 $995,000 $72,894 $654,000
Collateral 284 $27,080,000 $106,352 $580,000 $55,470 $298,000
Credit Application Incomplete 146 $18,924,000 $96,272 $534,000 $44,636 $440,000
Unverifiable Information 85 $11,111,000 $152,454 $590,000 $77,727 $360,000
Insufficient Cash (Downpayment, Closing Cost) 72 $6,343,000 $85,625 $322,000 $49,875 $201,000
Employment History 60 $5,262,000 $98,166 $640,000 $47,500 $250,000
Mortgage Insurance Denied 9 $1,264,000 $135,200 $333,000 $78,200 $216,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into New South Federal Savings 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 New South Federal Savings 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.
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