New South Federal Savings Bank Mortgage Lending & HMDA Data, 2005

In 2005, New South Federal Savings Bank of Birmingham, AL reported 12,716 mortgage applications totaling $1.5 billion, about the same as 2004. The average application was for $120,057, and applicants reported an average income of $56,491. 43% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Birmingham-Hoover, AL (1,406), Houston-Baytown-Sugar Land, TX (582) and Nashville-Davidson--Murfreesboro, TN (504) (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 12,716
Total Mortgage Loan Application Amount $1,526,654,000
Average Mortgage Loan Application Amount $120,057
Highest Mortgage Loan Application Amount $18,800,000
Average Applicant Income $56,491
Highest Applicant Income $7,488,000

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records New South Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Alabama 799 $ 100,978,000 $ 126,380 $ 55,000
Mobile, Alabama 481 $ 43,954,000 $ 91,380 $ 45,000
Shelby, Alabama 378 $ 50,275,000 $ 133,002 $ 62,000
Harris, Texas 303 $ 44,896,000 $ 148,171 $ 87,000
Cumberland, North Carolina 296 $ 37,143,000 $ 125,483 $ 47,000
Madison, Alabama 251 $ 31,335,000 $ 124,840 $ 53,000
Montgomery, Alabama 229 $ 20,987,000 $ 91,646 $ 49,000
Rapides, Louisiana 173 $ 13,543,000 $ 78,283 $ 49,000
Rutherford, Tennessee 171 $ 21,788,000 $ 127,415 $ 55,000
Gwinnett, Georgia 170 $ 23,368,000 $ 137,458 $ 59,000
Cullman, Alabama 162 $ 18,412,000 $ 113,654 $ 58,000
Hamilton, Tennessee 126 $ 12,570,000 $ 99,761 $ 51,000
Morgan, Alabama 123 $ 11,173,000 $ 90,837 $ 42,000
Virginia Beach, Virginia 121 $ 24,363,000 $ 201,347 $ 50,000
Clark, Nevada 120 $ 19,253,000 $ 160,441 $ 57,000
Galveston, Texas 118 $ 16,343,000 $ 138,500 $ 86,000
Baldwin, Alabama 111 $ 13,875,000 $ 125,000 $ 47,000
Davidson, Tennessee 104 $ 10,972,000 $ 105,500 $ 50,000
St. Clair, Alabama 98 $ 10,638,000 $ 108,551 $ 49,000
Maricopa, Arizona 94 $ 30,678,000 $ 326,361 $ 61,000
Lee, Alabama 91 $ 12,144,000 $ 133,450 $ 55,000
Muscogee, Georgia 91 $ 10,041,000 $ 110,340 $ 48,000
Shelby, Tennessee 91 $ 8,069,000 $ 88,670 $ 54,000
Alachua, Florida 87 $ 13,968,000 $ 160,551 $ 74,000
Lauderdale, Alabama 84 $ 7,068,000 $ 84,142 $ 42,000
Colbert, Alabama 83 $ 6,839,000 $ 82,397 $ 44,000
Harnett, North Carolina 79 $ 13,697,000 $ 173,379 $ 62,000
Calhoun, Alabama 76 $ 6,751,000 $ 88,828 $ 42,000
Fayette, Kentucky 75 $ 11,127,000 $ 148,360 $ 100,000
Tuscaloosa, Alabama 74 $ 9,145,000 $ 123,581 $ 64,000
Pinal, Arizona 74 $ 9,718,000 $ 131,324 $ 49,000
Limestone, Alabama 71 $ 8,118,000 $ 114,338 $ 59,000
Sumner, Tennessee 71 $ 9,555,000 $ 134,577 $ 57,000
Lee, Mississippi 70 $ 7,374,000 $ 105,342 $ 56,000
Walker, Alabama 68 $ 5,583,000 $ 82,102 $ 51,000
Forrest, Mississippi 65 $ 5,009,000 $ 77,061 $ 53,000
Guilford, North Carolina 65 $ 7,431,000 $ 114,323 $ 61,000
Jefferson, Louisiana 63 $ 6,788,000 $ 107,746 $ 53,000
Orleans, Louisiana 63 $ 9,001,000 $ 142,873 $ 76,000
Hoke, North Carolina 63 $ 7,627,000 $ 121,063 $ 54,000
Elmore, Alabama 60 $ 7,330,000 $ 122,166 $ 55,000
Benton, Arkansas 60 $ 7,358,000 $ 122,633 $ 48,000
Russell, Alabama 58 $ 6,123,000 $ 105,568 $ 42,000
Hinds, Mississippi 58 $ 4,867,000 $ 83,913 $ 44,000
Lowndes, Mississippi 57 $ 5,198,000 $ 91,192 $ 48,000
Williamson, Tennessee 57 $ 13,639,000 $ 239,280 $ 103,000
Fort Bend, Texas 56 $ 11,257,000 $ 201,017 $ 118,000
Washington, Arkansas 51 $ 5,790,000 $ 113,529 $ 56,000
Avoyelles, Louisiana 51 $ 3,366,000 $ 66,000 $ 39,000
Brazoria, Texas 51 $ 8,860,000 $ 173,725 $ 89,000
Montgomery, Texas 51 $ 9,305,000 $ 182,450 $ 127,000
Knox, Tennessee 50 $ 5,777,000 $ 115,540 $ 51,000
Pulaski, Arkansas 47 $ 4,042,000 $ 86,000 $ 49,000
Sebastian, Arkansas 46 $ 3,239,000 $ 70,413 $ 36,000
Pearl River, Mississippi 45 $ 3,968,000 $ 88,177 $ 46,000
Autauga, Alabama 42 $ 3,981,000 $ 94,785 $ 56,000
Harrison, Mississippi 42 $ 5,725,000 $ 136,309 $ 57,000
Craighead, Arkansas 41 $ 3,123,000 $ 76,170 $ 42,000
DeKalb, Georgia 41 $ 5,924,000 $ 144,487 $ 80,000
Caddo, Louisiana 40 $ 3,296,000 $ 82,400 $ 52,000
Norfolk, Virginia 40 $ 4,105,000 $ 102,625 $ 48,000
Chesapeake, Virginia 39 $ 6,319,000 $ 162,025 $ 69,000
Crawford, Arkansas 38 $ 2,903,000 $ 76,394 $ 40,000
Fulton, Georgia 38 $ 5,647,000 $ 148,605 $ 89,000
Calcasieu, Louisiana 38 $ 2,737,000 $ 72,026 $ 47,000
Weakley, Tennessee 37 $ 3,723,000 $ 100,621 $ 66,000
Hampton, Virginia 37 $ 5,039,000 $ 136,189 $ 64,000
Talladega, Alabama 36 $ 3,132,000 $ 87,000 $ 39,000
Lamar, Mississippi 36 $ 3,931,000 $ 109,194 $ 61,000
Montgomery, Tennessee 36 $ 3,350,000 $ 93,055 $ 64,000
Robertson, Tennessee 36 $ 4,586,000 $ 127,388 $ 41,000
Henrico, Virginia 34 $ 4,638,000 $ 136,411 $ 46,000
Crenshaw, Alabama 33 $ 2,739,000 $ 83,000 $ 44,000
Wilson, Tennessee 33 $ 4,418,000 $ 133,878 $ 48,000
Escambia, Florida 32 $ 7,045,000 $ 220,156 $ 57,000
Cobb, Georgia 32 $ 4,788,000 $ 149,625 $ 69,000
Jones, Mississippi 30 $ 2,598,000 $ 86,600 $ 48,000
Blount, Alabama 29 $ 2,860,000 $ 98,620 $ 44,000
Walker, Georgia 28 $ 2,965,000 $ 105,892 $ 45,000
East Baton Rouge, Louisiana 27 $ 2,559,000 $ 94,777 $ 49,000
Oktibbeha, Mississippi 27 $ 2,376,000 $ 88,000 $ 56,000
Hanover, Virginia 27 $ 4,508,000 $ 166,962 $ 69,000
Chilton, Alabama 24 $ 2,656,000 $ 110,666 $ 49,000
Collier, Florida 23 $ 5,007,000 $ 217,695 $ 163,000
Lee, North Carolina 23 $ 3,786,000 $ 164,608 $ 69,000
Vernon, Louisiana 22 $ 1,508,000 $ 68,545 $ 40,000
Lauderdale, Mississippi 22 $ 1,484,000 $ 67,454 $ 43,000
Newport News, Virginia 22 $ 2,634,000 $ 119,727 $ 54,000
Grant, Louisiana 21 $ 1,461,000 $ 69,571 $ 73,000
Ouachita, Louisiana 21 $ 1,464,000 $ 69,714 $ 36,000
Jackson, Mississippi 21 $ 2,040,000 $ 97,142 $ 58,000
Madison, Mississippi 21 $ 2,403,000 $ 114,428 $ 41,000
Santa Rosa, Florida 20 $ 3,519,000 $ 175,950 $ 83,000
St. Tammany, Louisiana 20 $ 3,147,000 $ 157,350 $ 57,000
Pontotoc, Mississippi 20 $ 2,096,000 $ 104,800 $ 49,000
Union, Mississippi 20 $ 1,653,000 $ 82,650 $ 41,000
Portsmouth, Virginia 20 $ 3,136,000 $ 156,800 $ 56,000
Winston, Alabama 19 $ 2,198,000 $ 115,684 $ 59,000
Poinsett, Arkansas 19 $ 1,060,000 $ 55,789 $ 38,000
Nye, Nevada 19 $ 3,304,000 $ 173,894 $ 47,000
Franklin, Alabama 18 $ 1,416,000 $ 78,666 $ 46,000
Okaloosa, Florida 18 $ 7,014,000 $ 389,666 $ 120,000
Etowah, Alabama 17 $ 1,241,000 $ 73,000 $ 36,000
Tallapoosa, Alabama 17 $ 1,834,000 $ 107,882 $ 58,000
Allen, Louisiana 17 $ 895,000 $ 52,647 $ 45,000
Rankin, Mississippi 17 $ 1,898,000 $ 111,647 $ 59,000
Scott, Mississippi 17 $ 1,514,000 $ 89,058 $ 51,000
Jackson, Alabama 16 $ 1,343,000 $ 83,937 $ 74,000
Duval, Florida 16 $ 2,280,000 $ 142,500 $ 56,000
Clay, Mississippi 16 $ 919,000 $ 57,437 $ 36,000
Lincoln, Mississippi 16 $ 1,358,000 $ 84,875 $ 53,000
Jefferson, Arkansas 15 $ 1,284,000 $ 85,600 $ 43,000
Bay, Florida 15 $ 1,842,000 $ 122,800 $ 59,000
Lee, Florida 15 $ 3,810,000 $ 254,000 $ 134,000
Pinellas, Florida 15 $ 2,594,000 $ 172,933 $ 75,000
Harris, Georgia 15 $ 2,463,000 $ 164,200 $ 63,000
Hancock, Mississippi 15 $ 1,429,000 $ 95,266 $ 45,000
Pike, Mississippi 15 $ 1,264,000 $ 84,266 $ 53,000
Escambia, Alabama 14 $ 1,079,000 $ 77,071 $ 46,000
Catoosa, Georgia 14 $ 1,979,000 $ 141,357 $ 55,000
Bradley, Tennessee 14 $ 1,406,000 $ 100,428 $ 54,000
Greene, Arkansas 13 $ 1,111,000 $ 85,461 $ 35,000
Saline, Arkansas 13 $ 1,369,000 $ 105,307 $ 68,000
Forsyth, Georgia 13 $ 4,245,000 $ 326,538 $ 194,000
Bossier, Louisiana 13 $ 1,304,000 $ 100,307 $ 43,000
Alcorn, Mississippi 13 $ 1,246,000 $ 95,846 $ 47,000
Blount, Tennessee 13 $ 1,422,000 $ 109,384 $ 48,000
Chesterfield, Virginia 13 $ 2,281,000 $ 175,461 $ 67,000
Houston, Alabama 12 $ 1,001,000 $ 83,416 $ 52,000
Lawrence, Alabama 12 $ 822,000 $ 68,500 $ 39,000
Marshall, Alabama 12 $ 1,085,000 $ 90,416 $ 41,000
Randolph, Alabama 12 $ 1,238,000 $ 103,166 $ 48,000
Cherokee, Georgia 12 $ 1,819,000 $ 151,583 $ 78,000
Winn, Louisiana 12 $ 1,207,000 $ 100,583 $ 58,000
Chickasaw, Mississippi 12 $ 574,000 $ 47,833 $ 26,000
Marion, Mississippi 12 $ 817,000 $ 68,083 $ 50,000
Prentiss, Mississippi 12 $ 835,000 $ 69,583 $ 45,000
Le Flore, Oklahoma 12 $ 728,000 $ 60,666 $ 36,000
Isle of Wight, Virginia 12 $ 2,038,000 $ 169,833 $ 64,000
Coffee, Alabama 11 $ 894,000 $ 81,272 $ 40,000
Dallas, Alabama 11 $ 1,202,000 $ 109,272 $ 53,000
Macon, Alabama 11 $ 712,000 $ 64,727 $ 38,000
Lawrence, Arkansas 11 $ 538,000 $ 48,909 $ 37,000
White, Arkansas 11 $ 730,000 $ 66,363 $ 46,000
Rockdale, Georgia 11 $ 1,587,000 $ 144,272 $ 92,000
Beauregard, Louisiana 11 $ 856,000 $ 77,818 $ 53,000
Natchitoches, Louisiana 11 $ 820,000 $ 74,545 $ 38,000
Lawrence, Mississippi 11 $ 656,000 $ 59,636 $ 34,000
Cheatham, Tennessee 11 $ 1,417,000 $ 128,818 $ 58,000
Maury, Tennessee 11 $ 924,000 $ 84,000 $ 36,000
Sevier, Tennessee 11 $ 1,709,000 $ 155,363 $ 66,000
Bibb, Alabama 10 $ 781,000 $ 78,100 $ 56,000
Dale, Alabama 10 $ 674,000 $ 67,400 $ 43,000
Marion, Alabama 10 $ 890,000 $ 89,000 $ 51,000
Mississippi, Arkansas 10 $ 818,000 $ 81,800 $ 76,000
Jefferson Davis, Louisiana 10 $ 569,000 $ 56,900 $ 40,000
Itawamba, Mississippi 10 $ 961,000 $ 96,100 $ 43,000
Perry, Mississippi 10 $ 402,000 $ 40,200 $ 39,000
Walthall, Mississippi 10 $ 589,000 $ 58,900 $ 47,000
Jasper, Missouri 10 $ 597,000 $ 59,700 $ 34,000
Dickson, Tennessee 10 $ 807,000 $ 80,700 $ 36,000
Bexar, Texas 10 $ 19,554,000 $ 1,955,400 $ 81,000
Suffolk, Virginia 10 $ 2,191,000 $ 219,100 $ 89,000
Cherokee, Alabama 9 $ 1,369,000 $ 152,111 $ 52,000
Marengo, Alabama 9 $ 922,000 $ 102,444 $ 55,000
Hillsborough, Florida 9 $ 1,198,000 $ 133,111 $ 66,000
Marion, Florida 9 $ 1,096,000 $ 121,777 $ 69,000
Polk, Florida 9 $ 1,021,000 $ 113,444 $ 77,000
Coweta, Georgia 9 $ 1,159,000 $ 128,777 $ 74,000
Walton, Georgia 9 $ 1,251,000 $ 139,000 $ 58,000
La Salle, Louisiana 9 $ 660,000 $ 73,333 $ 48,000
St. Martin, Louisiana 9 $ 683,000 $ 75,888 $ 35,000
Webster, Louisiana 9 $ 723,000 $ 80,333 $ 58,000
DeSoto, Mississippi 9 $ 1,034,000 $ 114,888 $ 68,000
Jasper, Mississippi 9 $ 661,000 $ 73,444 $ 47,000
Monroe, Mississippi 9 $ 866,000 $ 96,222 $ 56,000
Tishomingo, Mississippi 9 $ 693,000 $ 77,000 $ 38,000
Warren, Mississippi 9 $ 655,000 $ 72,777 $ 45,000
Bedford, Tennessee 9 $ 924,000 $ 102,666 $ 45,000
Jefferson, Tennessee 9 $ 935,000 $ 103,888 $ 39,000
Clarke, Alabama 8 $ 498,000 $ 62,250 $ 38,000
Washington, Alabama 8 $ 517,000 $ 64,625 $ 32,000
Cross, Arkansas 8 $ 620,000 $ 77,500 $ 36,000
Chatham, Georgia 8 $ 1,048,000 $ 131,000 $ 69,000
Douglas, Georgia 8 $ 1,233,000 $ 154,125 $ 74,000
Newton, Georgia 8 $ 768,000 $ 96,000 $ 32,000
Acadia, Louisiana 8 $ 593,000 $ 74,125 $ 40,000
Bolivar, Mississippi 8 $ 824,000 $ 103,000 $ 65,000
Wake, North Carolina 8 $ 1,981,000 $ 247,625 $ 89,000
Horry, South Carolina 8 $ 1,025,000 $ 128,125 $ 87,000
Tipton, Tennessee 8 $ 723,000 $ 90,375 $ 31,000
York, Virginia 8 $ 1,319,000 $ 164,875 $ 87,000
Lowndes, Alabama 7 $ 1,050,000 $ 150,000 $ 61,000
Garland, Arkansas 7 $ 757,000 $ 108,142 $ 68,000
Johnson, Arkansas 7 $ 434,000 $ 62,000 $ 37,000
Pope, Arkansas 7 $ 522,000 $ 74,571 $ 55,000
Scott, Arkansas 7 $ 320,000 $ 45,714 $ 37,000
Pasco, Florida 7 $ 781,000 $ 111,571 $ 51,000
Seminole, Florida 7 $ 1,234,000 $ 176,285 $ 72,000
Hall, Georgia 7 $ 768,000 $ 109,714 $ 44,000
Lafayette, Louisiana 7 $ 528,000 $ 75,428 $ 36,000
Lincoln, Louisiana 7 $ 674,000 $ 96,285 $ 42,000
St. Landry, Louisiana 7 $ 680,000 $ 97,142 $ 61,000
Copiah, Mississippi 7 $ 434,000 $ 62,000 $ 39,000
Covington, Mississippi 7 $ 461,000 $ 65,857 $ 25,000
Leflore, Mississippi 7 $ 316,000 $ 45,142 $ 31,000
Noxubee, Mississippi 7 $ 316,000 $ 45,142 $ 24,000
Anderson, Tennessee 7 $ 669,000 $ 95,571 $ 34,000
Dyer, Tennessee 7 $ 560,000 $ 80,000 $ 64,000
McMinn, Tennessee 7 $ 872,000 $ 124,571 $ 82,000
Butler, Alabama 6 $ 364,000 $ 60,666 $ 60,000
Clay, Alabama 6 $ 222,000 $ 37,000 $ 36,000
Covington, Alabama 6 $ 429,000 $ 71,500 $ 29,000
DeKalb, Alabama 6 $ 440,000 $ 73,333 $ 77,000
Fayette, Alabama 6 $ 418,000 $ 69,666 $ 38,000
Lamar, Alabama 6 $ 401,000 $ 66,833 $ 37,000
Mohave, Arizona 6 $ 555,000 $ 92,500 $ 65,000
Clay, Arkansas 6 $ 335,000 $ 55,833 $ 37,000
Sevier, Arkansas 6 $ 456,000 $ 76,000 $ 46,000
Levy, Florida 6 $ 1,069,000 $ 178,166 $ 37,000
Henry, Georgia 6 $ 771,000 $ 128,500 $ 32,000
Whitfield, Georgia 6 $ 770,000 $ 128,333 $ 32,000
Jefferson, Kentucky 6 $ 437,000 $ 72,833 $ 137,000
Scott, Kentucky 6 $ 820,000 $ 136,666 $ 60,000
De Soto, Louisiana 6 $ 533,000 $ 88,833 $ 52,000
Jackson, Louisiana 6 $ 324,000 $ 54,000 $ 47,000
Stone, Mississippi 6 $ 572,000 $ 95,333 $ 41,000
Sunflower, Mississippi 6 $ 372,000 $ 62,000 $ 40,000
Tate, Mississippi 6 $ 569,000 $ 94,833 $ 65,000
Tippah, Mississippi 6 $ 527,000 $ 87,833 $ 34,000
Washington, Mississippi 6 $ 418,000 $ 69,666 $ 49,000
Winston, Mississippi 6 $ 263,000 $ 43,833 $ 32,000
Greene, Missouri 6 $ 388,000 $ 64,666 $ 27,000
Forsyth, North Carolina 6 $ 546,000 $ 91,000 $ 73,000
Randolph, North Carolina 6 $ 512,000 $ 85,333 $ 68,000
Haskell, Oklahoma 6 $ 466,000 $ 77,666 $ 34,000
Beaufort, South Carolina 6 $ 658,000 $ 109,666 $ 30,000
Charleston, South Carolina 6 $ 1,116,000 $ 186,000 $ 102,000
Cannon, Tennessee 6 $ 768,000 $ 128,000 $ 56,000
Richmond City, Virginia 6 $ 705,000 $ 117,500 $ 57,000
Conecuh, Alabama 5 $ 291,000 $ 58,200 $ 37,000
Hale, Alabama 5 $ 557,000 $ 111,400 $ 38,000
Baxter, Arkansas 5 $ 383,000 $ 76,600 $ 41,000
Boone, Arkansas 5 $ 392,000 $ 78,400 $ 52,000
Faulkner, Arkansas 5 $ 346,000 $ 69,200 $ 40,000
Lonoke, Arkansas 5 $ 405,000 $ 81,000 $ 81,000
Randolph, Arkansas 5 $ 266,000 $ 53,200 $ 23,000
Walton, Florida 5 $ 1,799,000 $ 359,800 $ 126,000
Carroll, Georgia 5 $ 782,000 $ 156,400 $ 69,000
Clark, Kentucky 5 $ 657,000 $ 131,400 $ 45,000
Jessamine, Kentucky 5 $ 617,000 $ 123,400 $ 36,000
Iberia, Louisiana 5 $ 368,000 $ 73,600 $ 59,000
Madison, Louisiana 5 $ 330,000 $ 66,000 $ 33,000
Sabine, Louisiana 5 $ 277,000 $ 55,400 $ 71,000
St. John the Baptist, Louisiana 5 $ 482,000 $ 96,400 $ 57,000
Terrebonne, Louisiana 5 $ 518,000 $ 103,600 $ 44,000
George, Mississippi 5 $ 441,000 $ 88,200 $ 32,000
Greene, Mississippi 5 $ 298,000 $ 59,600 $ 45,000
Leake, Mississippi 5 $ 237,000 $ 47,400 $ 40,000
Marshall, Mississippi 5 $ 335,000 $ 67,000 $ 43,000
Neshoba, Mississippi 5 $ 459,000 $ 91,800 $ 42,000
Panola, Mississippi 5 $ 376,000 $ 75,200 $ 43,000
Simpson, Mississippi 5 $ 351,000 $ 70,200 $ 33,000
Wayne, Mississippi 5 $ 413,000 $ 82,600 $ 41,000
Barry, Missouri 5 $ 305,000 $ 61,000 $ 36,000
Durham, North Carolina 5 $ 534,000 $ 106,800 $ 54,000
Rockingham, North Carolina 5 $ 663,000 $ 132,600 $ 46,000
Sequoyah, Oklahoma 5 $ 355,000 $ 71,000 $ 39,000
Gibson, Tennessee 5 $ 360,000 $ 72,000 $ 38,000
Humphreys, Tennessee 5 $ 454,000 $ 90,800 $ 30,000
Lincoln, Tennessee 5 $ 695,000 $ 139,000 $ 79,000
Madison, Tennessee 5 $ 306,000 $ 61,200 $ 38,000
Obion, Tennessee 5 $ 498,000 $ 99,600 $ 42,000
Hays, Texas 5 $ 998,000 $ 199,600 $ 104,000
Choctaw, Alabama 4 $ 258,000 $ 64,500 $ 43,000
Pickens, Alabama 4 $ 364,000 $ 91,000 $ 50,000
Ashley, Arkansas 4 $ 225,000 $ 56,250 $ 68,000
Carroll, Arkansas 4 $ 656,000 $ 164,000 $ 125,000
Conway, Arkansas 4 $ 366,000 $ 91,500 $ 61,000
Jackson, Arkansas 4 $ 286,000 $ 71,500 $ 34,000
Sharp, Arkansas 4 $ 390,000 $ 97,500 $ 40,000
Union, Arkansas 4 $ 193,000 $ 48,250 $ 29,000
Clay, Florida 4 $ 501,000 $ 125,250 $ 59,000
Chattahoochee, Georgia 4 $ 248,000 $ 62,000 $ 45,000
Dawson, Georgia 4 $ 831,000 $ 207,750 $ 103,000
Effingham, Georgia 4 $ 280,000 $ 70,000 $ 32,000
Cook, Illinois 4 $ 718,000 $ 179,500 $ 115,000
Garrard, Kentucky 4 $ 508,000 $ 127,000 $ 46,000
Concordia, Louisiana 4 $ 226,000 $ 56,500 $ 48,000
Evangeline, Louisiana 4 $ 249,000 $ 62,250 $ 57,000
Livingston, Louisiana 4 $ 629,000 $ 157,250 $ 117,000
Union, Louisiana 4 $ 218,000 $ 54,500 $ 32,000
Clarke, Mississippi 4 $ 136,000 $ 34,000 $ 23,000
Franklin, Mississippi 4 $ 412,000 $ 103,000 $ 75,000
Newton, Mississippi 4 $ 213,000 $ 53,250 $ 24,000
Lawrence, Missouri 4 $ 309,000 $ 77,250 $ 27,000
Scott, Missouri 4 $ 419,000 $ 104,750 $ 33,000
Davidson, North Carolina 4 $ 407,000 $ 101,750 $ 38,000
Moore, North Carolina 4 $ 901,000 $ 225,250 $ 99,000
Robeson, North Carolina 4 $ 530,000 $ 132,500 $ 53,000
Scotland, North Carolina 4 $ 507,000 $ 126,750 $ 54,000
Florence, South Carolina 4 $ 414,000 $ 103,500 $ 45,000
Richland, South Carolina 4 $ 512,000 $ 128,000 $ 85,000
Fayette, Tennessee 4 $ 451,000 $ 112,750 $ 50,000
Franklin, Tennessee 4 $ 267,000 $ 66,750 $ 37,000
Henry, Tennessee 4 $ 536,000 $ 134,000 $ 52,000
Loudon, Tennessee 4 $ 634,000 $ 158,500 $ 55,000
Marion, Tennessee 4 $ 326,000 $ 81,500 $ 56,000
Warren, Tennessee 4 $ 217,000 $ 54,250 $ 29,000
Washington, Tennessee 4 $ 339,000 $ 84,750 $ 25,000
Victoria, Texas 4 $ 363,000 $ 90,750 $ 81,000
King William, Virginia 4 $ 512,000 $ 128,000 $ 54,000
New Kent, Virginia 4 $ 680,000 $ 170,000 $ 32,000
Chambers, Alabama 3 $ 193,000 $ 64,333 $ 47,000
Cleburne, Alabama 3 $ 404,000 $ 134,666 $ 62,000
Monroe, Alabama 3 $ 120,000 $ 40,000 $ 23,000
Perry, Alabama 3 $ 241,000 $ 80,333 $ 57,000
Cleburne, Arkansas 3 $ 232,000 $ 77,333 $ 48,000
Crittenden, Arkansas 3 $ 323,000 $ 107,666 $ 78,000
Franklin, Arkansas 3 $ 182,000 $ 60,666 $ 24,000
St. Francis, Arkansas 3 $ 134,000 $ 44,666 $ 33,000
Yell, Arkansas 3 $ 220,000 $ 73,333 $ 63,000
Broward, Florida 3 $ 514,000 $ 171,333 $ 77,000
Citrus, Florida 3 $ 332,000 $ 110,666 $ 32,000
Volusia, Florida 3 $ 1,003,000 $ 334,333 $ 214,000
Washington, Florida 3 $ 215,000 $ 71,666 $ 34,000
Clarke, Georgia 3 $ 270,000 $ 90,000 $ 3,988,000
Clayton, Georgia 3 $ 245,000 $ 81,666 $ 34,000
Gilmer, Georgia 3 $ 476,000 $ 158,666 $ 60,000
Haralson, Georgia 3 $ 254,000 $ 84,666 $ 62,000
Lowndes, Georgia 3 $ 419,000 $ 139,666 $ 48,000
Marion, Georgia 3 $ 304,000 $ 101,333 $ 36,000
Murray, Georgia 3 $ 169,000 $ 56,333 $ 24,000
Lake, Illinois 3 $ 619,000 $ 206,333 $ 169,000
Anderson, Kentucky 3 $ 421,000 $ 140,333 $ 71,000
Barren, Kentucky 3 $ 894,000 $ 298,000 $ 95,000
Bullitt, Kentucky 3 $ 238,000 $ 79,333 $ 21,000
Woodford, Kentucky 3 $ 348,000 $ 116,000 $ 26,000
Ascension, Louisiana 3 $ 341,000 $ 113,666 $ 45,000
Lafourche, Louisiana 3 $ 390,000 $ 130,000 $ 52,000
St. Bernard, Louisiana 3 $ 263,000 $ 87,666 $ 30,000
St. Charles, Louisiana 3 $ 387,000 $ 129,000 $ 40,000
St. Mary, Louisiana 3 $ 198,000 $ 66,000 $ 45,000
Tangipahoa, Louisiana 3 $ 288,000 $ 96,000 $ 42,000
Benton, Mississippi 3 $ 305,000 $ 101,666 $ 45,000
Choctaw, Mississippi 3 $ 286,000 $ 95,333 $ 45,000
Grenada, Mississippi 3 $ 536,000 $ 178,666 $ 71,000
Webster, Mississippi 3 $ 192,000 $ 64,000 $ 27,000
Christian, Missouri 3 $ 225,000 $ 75,000 $ 31,000
Dunklin, Missouri 3 $ 134,000 $ 44,666 $ 48,000
Chatham, North Carolina 3 $ 333,000 $ 111,000 $ 44,000
Mecklenburg, North Carolina 3 $ 330,000 $ 110,000 $ 54,000
Wayne, North Carolina 3 $ 351,000 $ 117,000 $ 59,000
Delaware, Oklahoma 3 $ 168,000 $ 56,000 $ 33,000
Ottawa, Oklahoma 3 $ 219,000 $ 73,000 $ 28,000
Wagoner, Oklahoma 3 $ 194,000 $ 64,666 $ 47,000
York, South Carolina 3 $ 171,000 $ 57,000 $ 48,000
Cocke, Tennessee 3 $ 354,000 $ 118,000 $ 36,000
Coffee, Tennessee 3 $ 273,000 $ 91,000 $ 69,000
Crockett, Tennessee 3 $ 317,000 $ 105,666 $ 44,000
Hamblen, Tennessee 3 $ 151,000 $ 50,333 $ 37,000
Hawkins, Tennessee 3 $ 282,000 $ 94,000 $ 76,000
Hickman, Tennessee 3 $ 257,000 $ 85,666 $ 31,000
Lawrence, Tennessee 3 $ 302,000 $ 100,666 $ 90,000
Putnam, Tennessee 3 $ 293,000 $ 97,666 $ 51,000
Sullivan, Tennessee 3 $ 356,000 $ 118,666 $ 38,000
Union, Tennessee 3 $ 290,000 $ 96,666 $ 50,000
Brazos, Texas 3 $ 268,000 $ 89,333 $ 73,000
Cameron, Texas 3 $ 491,000 $ 163,666 $ 72,000
Collin, Texas 3 $ 442,000 $ 147,333 $ 70,000
Dallas, Texas 3 $ 172,000 $ 57,333 $ 81,000
Charles City, Virginia 3 $ 422,000 $ 140,666 $ 48,000
Barbour, Alabama 2 $ 99,000 $ 49,500 $ 42,000
Geneva, Alabama 2 $ 28,000 $ 14,000 $ 16,000
Greene, Alabama 2 $ 105,000 $ 52,500 $ 30,000
Henry, Alabama 2 $ 100,000 $ 50,000 $ 44,000
Pike, Alabama 2 $ 493,000 $ 246,500 $ 112,000
Wilcox, Alabama 2 $ 146,000 $ 73,000 $ 49,000
Pima, Arizona 2 $ 79,000 $ 39,500 $ 20,000
Arkansas, Arkansas 2 $ 271,000 $ 135,500 $ 45,000
Dallas, Arkansas 2 $ 224,000 $ 112,000 $ 62,000
Grant, Arkansas 2 $ 116,000 $ 58,000 $ 31,000
Hot Spring, Arkansas 2 $ 158,000 $ 79,000 $ 38,000
Logan, Arkansas 2 $ 145,000 $ 72,500 $ 41,000
Perry, Arkansas 2 $ 206,000 $ 103,000 $ 89,000
Hernando, Florida 2 $ 517,000 $ 258,500 $ 95,000
Miami-Dade, Florida 2 $ 213,000 $ 106,500 $ 138,000
Orange, Florida 2 $ 677,000 $ 338,500 $ 96,000
Putnam, Florida 2 $ 364,000 $ 182,000 $ 47,000
St. Lucie, Florida 2 $ 265,000 $ 132,500 $ 81,000
Barrow, Georgia 2 $ 225,000 $ 112,500 $ 28,000
Bartow, Georgia 2 $ 180,000 $ 90,000 $ 62,000
Bibb, Georgia 2 $ 133,000 $ 66,500 $ 51,000
Fayette, Georgia 2 $ 364,000 $ 182,000 $ 39,000
Glynn, Georgia 2 $ 357,000 $ 178,500 $ 53,000
Paulding, Georgia 2 $ 374,000 $ 187,000 $ 64,000
Spalding, Georgia 2 $ 70,000 $ 35,000 $ 83,000
Troup, Georgia 2 $ 138,000 $ 69,000 $ 29,000
Twin Falls, Idaho 2 $ 545,000 $ 272,500 $ 94,000
Cherokee, Kansas 2 $ 139,000 $ 69,500 $ 43,000
Crawford, Kansas 2 $ 61,000 $ 30,500 $ 14,000
Christian, Kentucky 2 $ 103,000 $ 51,500 $ 34,000
Franklin, Kentucky 2 $ 352,000 $ 176,000 $ 70,000
Madison, Kentucky 2 $ 242,000 $ 121,000 $ 34,000
Pulaski, Kentucky 2 $ 132,000 $ 66,000 $ 27,000
Assumption, Louisiana 2 $ 249,000 $ 124,500 $ 50,000
Bienville, Louisiana 2 $ 301,000 $ 150,500 $ 78,000
Catahoula, Louisiana 2 $ 89,000 $ 44,500 $ 35,000
Claiborne, Louisiana 2 $ 134,000 $ 67,000 $ 39,000
East Feliciana, Louisiana 2 $ 127,000 $ 63,500 $ 37,000
Iberville, Louisiana 2 $ 109,000 $ 54,500 $ 16,000
Richland, Louisiana 2 $ 77,000 $ 38,500 $ 25,000
St. James, Louisiana 2 $ 148,000 $ 74,000 $ 36,000
Vermilion, Louisiana 2 $ 91,000 $ 45,500 $ 37,000
Washington, Louisiana 2 $ 126,000 $ 63,000 $ 25,000
West Baton Rouge, Louisiana 2 $ 134,000 $ 67,000 $ 59,000
Anne Arundel, Maryland 2 $ 400,000 $ 200,000 $ 105,000
Harford, Maryland 2 $ 390,000 $ 195,000 $ 0
Amite, Mississippi 2 $ 175,000 $ 87,500 $ 47,000
Calhoun, Mississippi 2 $ 96,000 $ 48,000 $ 33,000
Claiborne, Mississippi 2 $ 245,000 $ 122,500 $ 92,000
Coahoma, Mississippi 2 $ 131,000 $ 65,500 $ 88,000
Smith, Mississippi 2 $ 85,000 $ 42,500 $ 32,000
Yalobusha, Mississippi 2 $ 120,000 $ 60,000 $ 35,000
Camden, Missouri 2 $ 220,000 $ 110,000 $ 35,000
McDonald, Missouri 2 $ 225,000 $ 112,500 $ 44,000
Pulaski, Missouri 2 $ 173,000 $ 86,500 $ 55,000
Brunswick, North Carolina 2 $ 130,000 $ 65,000 $ 86,000
Carteret, North Carolina 2 $ 377,000 $ 188,500 $ 95,000
Dare, North Carolina 2 $ 777,000 $ 388,500 $ 226,000
Pitt, North Carolina 2 $ 259,000 $ 129,500 $ 64,000
Montgomery, Ohio 2 $ 143,000 $ 71,500 $ 35,000
Adair, Oklahoma 2 $ 159,000 $ 79,500 $ 71,000
Muskogee, Oklahoma 2 $ 138,000 $ 69,000 $ 31,000
Pushmataha, Oklahoma 2 $ 102,000 $ 51,000 $ 46,000
Rogers, Oklahoma 2 $ 139,000 $ 69,500 $ 25,000
Lexington, South Carolina 2 $ 403,000 $ 201,500 $ 93,000
Orangeburg, South Carolina 2 $ 327,000 $ 163,500 $ 53,000
Carroll, Tennessee 2 $ 64,000 $ 32,000 $ 19,000
Cumberland, Tennessee 2 $ 273,000 $ 136,500 $ 48,000
DeKalb, Tennessee 2 $ 584,000 $ 292,000 $ 213,000
Fentress, Tennessee 2 $ 239,000 $ 119,500 $ 85,000
Grainger, Tennessee 2 $ 190,000 $ 95,000 $ 49,000
Hancock, Tennessee 2 $ 155,000 $ 77,500 $ 35,000
Hardin, Tennessee 2 $ 110,000 $ 55,000 $ 29,000
Henderson, Tennessee 2 $ 120,000 $ 60,000 $ 29,000
Lauderdale, Tennessee 2 $ 122,000 $ 61,000 $ 48,000
Monroe, Tennessee 2 $ 250,000 $ 125,000 $ 48,000
Morgan, Tennessee 2 $ 134,000 $ 67,000 $ 30,000
Overton, Tennessee 2 $ 203,000 $ 101,500 $ 63,000
Polk, Tennessee 2 $ 318,000 $ 159,000 $ 53,000
Roane, Tennessee 2 $ 124,000 $ 62,000 $ 19,000
Stewart, Tennessee 2 $ 114,000 $ 57,000 $ 31,000
White, Tennessee 2 $ 180,000 $ 90,000 $ 40,000
Burnet, Texas 2 $ 191,000 $ 95,500 $ 55,000
Caldwell, Texas 2 $ 234,000 $ 117,000 $ 58,000
Johnson, Texas 2 $ 289,000 $ 144,500 $ 173,000
Liberty, Texas 2 $ 106,000 $ 53,000 $ 50,000
Fairfax, Virginia 2 $ 552,000 $ 276,000 $ 162,000
Fauquier, Virginia 2 $ 737,000 $ 368,500 $ 45,000
Franklin City, Virginia 2 $ 188,000 $ 94,000 $ 75,000
Gloucester, Virginia 2 $ 378,000 $ 189,000 $ 46,000
Northumberland, Virginia 2 $ 238,000 $ 119,000 $ 119,000
Poquoson, Virginia 2 $ 412,000 $ 206,000 $ 67,000
Powhatan, Virginia 2 $ 364,000 $ 182,000 $ 52,000
Surry, Virginia 2 $ 312,000 $ 156,000 $ 37,000
Yavapai, Arizona 1 $ 240,000 $ 240,000 $ 294,000
Calhoun, Arkansas 1 $ 45,000 $ 45,000 $ 19,000
Clark, Arkansas 1 $ 130,000 $ 130,000 $ 82,000
Columbia, Arkansas 1 $ 76,000 $ 76,000 $ 36,000
Desha, Arkansas 1 $ 74,000 $ 74,000 $ 66,000
Fulton, Arkansas 1 $ 45,000 $ 45,000 $ 18,000
Howard, Arkansas 1 $ 44,000 $ 44,000 $ 12,000
Independence, Arkansas 1 $ 34,000 $ 34,000 $ 13,000
Lafayette, Arkansas 1 $ 68,000 $ 68,000 $ 70,000
Lee, Arkansas 1 $ 38,000 $ 38,000 $ 47,000
Lincoln, Arkansas 1 $ 80,000 $ 80,000 $ 55,000
Madison, Arkansas 1 $ 99,000 $ 99,000 $ 54,000
Marion, Arkansas 1 $ 45,000 $ 45,000 $ 73,000
Nevada, Arkansas 1 $ 32,000 $ 32,000 $ 27,000
Phillips, Arkansas 1 $ 36,000 $ 36,000 $ 17,000
Polk, Arkansas 1 $ 55,000 $ 55,000 $ 108,000
Prairie, Arkansas 1 $ 36,000 $ 36,000 $ 9,000
Van Buren, Arkansas 1 $ 59,000 $ 59,000 $ 26,000
Larimer, Colorado 1 $ 176,000 $ 176,000 $ 146,000
Brevard, Florida 1 $ 213,000 $ 213,000 $ 66,000
Franklin, Florida 1 $ 1,700,000 $ 1,700,000 $ 0
Gilchrist, Florida 1 $ 120,000 $ 120,000 $ 44,000
Gulf, Florida 1 $ 164,000 $ 164,000 $ 66,000
Jackson, Florida 1 $ 125,000 $ 125,000 $ 57,000
Lake, Florida 1 $ 155,000 $ 155,000 $ 91,000
Leon, Florida 1 $ 155,000 $ 155,000 $ 58,000
Martin, Florida 1 $ 360,000 $ 360,000 $ 157,000
Nassau, Florida 1 $ 126,000 $ 126,000 $ 29,000
Osceola, Florida 1 $ 98,000 $ 98,000 $ 36,000
Palm Beach, Florida 1 $ 104,000 $ 104,000 $ 10,000
Sarasota, Florida 1 $ 98,000 $ 98,000 $ 58,000
St. Johns, Florida 1 $ 228,000 $ 228,000 $ 120,000
Baldwin, Georgia 1 $ 128,000 $ 128,000 $ 79,000
Berrien, Georgia 1 $ 180,000 $ 180,000 $ 87,000
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Mortgage Loan Application Detail Totals for New South Federal Savings Bank in 2005

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 8,146 $1,060,734,000 $145,727 $18,800,000 $67,681 $3,029,000
Refinancing 4,179 $422,743,000 $128,956 $3,450,000 $64,173 $7,488,000
Home Improvement 391 $43,177,000 $114,300 $650,000 $59,250 $409,000

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 9,017 $1,091,048,000 $145,360 $3,450,000 $76,120 $7,488,000
Black or African American 2,943 $276,559,000 $122,470 $720,000 $55,588 $438,000
Hispanic 363 $46,786,000 $128,375 $770,000 $53,125 $480,000
Asian 223 $35,038,000 $140,133 $640,000 $79,266 $309,000
Not Provided 105 $13,363,000 $136,000 $552,000 $71,866 $360,000
American Indian or Alaskan Native 28 $2,712,000 $107,200 $228,000 $45,300 $108,000
Native Hawaiian or Other Pacific Islander 27 $3,225,000 $126,111 $295,000 $71,000 $420,000
Not applicable 10 $57,923,000 $5,056,000 $18,800,000 $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) 9,809 $1,201,124,000 $150,800 $18,800,000 $76,320 $7,488,000
FHA-insured (Federal Housing Administration) 2,122 $215,588,000 $108,600 $283,000 $48,400 $469,000
VA-guaranteed (Veterans Administration) 670 $98,497,000 $144,461 $360,000 $52,538 $162,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 115 $11,445,000 $105,500 $194,000 $37,500 $432,000

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 5,461 $691,997,000 $134,000 $7,905,000 $73,545 $7,488,000
Application Denied By Financial Institution 1,930 $205,107,000 $138,300 $18,800,000 $49,550 $720,000
File Closed For Incompleteness 1,356 $138,188,000 $108,263 $676,000 $53,789 $863,000
Preapproval Denied by Financial Institution 1,220 $126,340,000 $103,000 $456,000 $44,000 $600,000
Loan Purchased By The Institution 1,203 $160,982,000 $133,300 $650,000 $66,000 $391,000
Application Approved But Not Accepted 954 $114,310,000 $118,200 $1,000,000 $62,400 $590,000
Preapproval Approved but not Accepted 569 $71,501,000 $125,000 $688,000 $73,000 $420,000
Application Withdrawn By Applicant 23 $18,229,000 $733,666 $7,320,000 $39,666 $109,000

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 2,066 $191,732,000 $108,888 $1,190,000 $47,444 $540,000
Debt-To-Income Ratio 504 $54,077,000 $120,764 $730,000 $42,764 $318,000
Other 180 $18,008,000 $100,357 $500,000 $55,714 $600,000
Collateral 170 $37,339,000 $389,357 $18,800,000 $63,000 $720,000
Insufficient Cash (Downpayment, Closing Cost) 89 $10,689,000 $115,111 $513,000 $54,777 $175,000
Unverifiable Information 59 $8,849,000 $143,300 $850,000 $81,900 $300,000
Employment History 48 $4,654,000 $102,200 $285,000 $39,200 $204,000
Credit Application Incomplete 31 $5,878,000 $154,555 $2,060,000 $65,111 $214,000
Mortgage Insurance Denied 3 $221,000 $73,500 $96,000 $116,000 $180,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into New South Federal Savings Bank's 2005 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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