New South Federal Savings Bank Mortgage Lending & HMDA Data, 2006

In 2006, New South Federal Savings Bank of Birmingham, AL reported 12,833 mortgage applications totaling $1.6 billion, up 1% from 2005. The average application was for $126,600, and applicants reported an average income of $61,527. 41% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Birmingham-Hoover, AL (1,349), Houston-Sugar Land-Baytown, TX (583) and Montgomery, AL (545) (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 12,833
Total Mortgage Loan Application Amount $1,624,660,000
Average Mortgage Loan Application Amount $126,600
Highest Mortgage Loan Application Amount $9,000,000
Average Applicant Income $61,527
Highest Applicant Income $4,200,000

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records New South Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Alabama 806 $ 83,620,000 $ 103,746 $ 54,000
Mobile, Alabama 527 $ 48,760,000 $ 92,523 $ 46,000
Montgomery, Alabama 432 $ 43,388,000 $ 100,435 $ 57,000
Madison, Alabama 288 $ 37,066,000 $ 128,701 $ 67,000
Cumberland, North Carolina 283 $ 40,991,000 $ 144,844 $ 65,000
Shelby, Alabama 270 $ 38,285,000 $ 141,796 $ 64,000
Harris, Texas 264 $ 44,169,000 $ 167,306 $ 138,000
Rapides, Louisiana 227 $ 21,589,000 $ 95,105 $ 51,000
Tuscaloosa, Alabama 179 $ 22,786,000 $ 127,296 $ 68,000
Cullman, Alabama 175 $ 17,066,000 $ 97,520 $ 49,000
Hamilton, Tennessee 134 $ 16,307,000 $ 121,694 $ 55,000
Gwinnett, Georgia 125 $ 16,139,000 $ 129,112 $ 62,000
Galveston, Texas 120 $ 21,353,000 $ 177,941 $ 128,000
Morgan, Alabama 118 $ 12,869,000 $ 109,059 $ 51,000
Clark, Nevada 114 $ 17,406,000 $ 152,684 $ 61,000
Davidson, Tennessee 112 $ 16,390,000 $ 146,339 $ 70,000
Rutherford, Tennessee 109 $ 13,675,000 $ 125,458 $ 60,000
St. Clair, Alabama 107 $ 12,423,000 $ 116,102 $ 64,000
Harnett, North Carolina 103 $ 18,761,000 $ 182,145 $ 74,000
Calhoun, Alabama 102 $ 9,402,000 $ 92,176 $ 46,000
Muscogee, Georgia 101 $ 12,937,000 $ 128,089 $ 60,000
Knox, Tennessee 101 $ 13,905,000 $ 137,673 $ 60,000
Walker, Alabama 97 $ 8,054,000 $ 83,030 $ 47,000
Lauderdale, Alabama 96 $ 9,108,000 $ 94,875 $ 52,000
Baldwin, Alabama 93 $ 12,228,000 $ 131,483 $ 67,000
Shelby, Tennessee 93 $ 9,385,000 $ 100,913 $ 58,000
Fort Bend, Texas 91 $ 18,725,000 $ 205,769 $ 133,000
Pinal, Arizona 84 $ 11,162,000 $ 132,880 $ 48,000
Limestone, Alabama 83 $ 10,239,000 $ 123,361 $ 60,000
Guilford, North Carolina 80 $ 11,120,000 $ 139,000 $ 63,000
Elmore, Alabama 76 $ 11,544,000 $ 151,894 $ 61,000
Lee, Alabama 74 $ 9,744,000 $ 131,675 $ 53,000
Montgomery, Texas 74 $ 12,773,000 $ 172,608 $ 146,000
Hinds, Mississippi 71 $ 6,606,000 $ 93,042 $ 46,000
Jefferson, Louisiana 67 $ 10,274,000 $ 153,343 $ 67,000
Fayette, Kentucky 66 $ 10,046,000 $ 152,212 $ 75,000
Alachua, Florida 61 $ 10,295,000 $ 168,770 $ 88,000
Colbert, Alabama 59 $ 5,474,000 $ 92,779 $ 45,000
Pulaski, Arkansas 57 $ 5,600,000 $ 98,245 $ 53,000
Washington, Arkansas 57 $ 8,105,000 $ 142,192 $ 89,000
Avoyelles, Louisiana 57 $ 5,250,000 $ 92,105 $ 46,000
Forrest, Mississippi 54 $ 4,806,000 $ 89,000 $ 57,000
Caddo, Louisiana 52 $ 4,164,000 $ 80,076 $ 50,000
Sebastian, Arkansas 50 $ 4,042,000 $ 80,840 $ 45,000
Russell, Alabama 47 $ 5,451,000 $ 115,978 $ 53,000
Crenshaw, Alabama 46 $ 4,758,000 $ 103,434 $ 48,000
Crawford, Arkansas 46 $ 4,011,000 $ 87,195 $ 47,000
Calcasieu, Louisiana 46 $ 3,613,000 $ 78,543 $ 41,000
Sumner, Tennessee 46 $ 7,438,000 $ 161,695 $ 70,000
Virginia Beach, Virginia 46 $ 9,474,000 $ 205,956 $ 53,000
Orleans, Louisiana 45 $ 7,473,000 $ 166,066 $ 65,000
Hoke, North Carolina 45 $ 6,584,000 $ 146,311 $ 58,000
Fulton, Georgia 41 $ 9,731,000 $ 237,341 $ 154,000
Grant, Louisiana 41 $ 3,544,000 $ 86,439 $ 56,000
Lee, Mississippi 41 $ 3,926,000 $ 95,756 $ 46,000
Lamar, Mississippi 39 $ 5,066,000 $ 129,897 $ 63,000
Maricopa, Arizona 37 $ 8,303,000 $ 224,405 $ 77,000
Benton, Arkansas 35 $ 4,706,000 $ 134,457 $ 70,000
DeKalb, Georgia 35 $ 5,902,000 $ 168,628 $ 72,000
Harrison, Mississippi 35 $ 4,122,000 $ 117,771 $ 67,000
Lowndes, Mississippi 35 $ 3,061,000 $ 87,457 $ 45,000
Blount, Alabama 33 $ 3,645,000 $ 110,454 $ 67,000
Pearl River, Mississippi 33 $ 3,474,000 $ 105,272 $ 52,000
Rankin, Mississippi 33 $ 3,387,000 $ 102,636 $ 59,000
Brazoria, Texas 33 $ 5,684,000 $ 172,242 $ 87,000
Autauga, Alabama 32 $ 4,549,000 $ 142,156 $ 67,000
Tallapoosa, Alabama 32 $ 3,160,000 $ 98,750 $ 48,000
East Baton Rouge, Louisiana 32 $ 4,232,000 $ 132,250 $ 63,000
Nye, Nevada 32 $ 5,572,000 $ 174,125 $ 111,000
Bay, Florida 31 $ 5,388,000 $ 173,806 $ 87,000
Craighead, Arkansas 30 $ 2,287,000 $ 76,233 $ 45,000
Cobb, Georgia 30 $ 4,790,000 $ 159,666 $ 74,000
Walker, Georgia 30 $ 3,016,000 $ 100,533 $ 41,000
Chilton, Alabama 29 $ 2,250,000 $ 77,586 $ 48,000
Franklin, Alabama 29 $ 2,806,000 $ 96,758 $ 54,000
Jones, Mississippi 29 $ 2,404,000 $ 82,896 $ 52,000
Escambia, Florida 28 $ 6,678,000 $ 238,500 $ 40,000
Okaloosa, Florida 28 $ 9,480,000 $ 338,571 $ 65,000
Weakley, Tennessee 28 $ 2,635,000 $ 94,107 $ 46,000
Talladega, Alabama 27 $ 2,840,000 $ 105,185 $ 54,000
St. Tammany, Louisiana 27 $ 4,358,000 $ 161,407 $ 62,000
Oktibbeha, Mississippi 26 $ 2,700,000 $ 103,846 $ 47,000
Williamson, Tennessee 26 $ 5,340,000 $ 205,384 $ 76,000
Collin, Texas 26 $ 8,068,000 $ 310,307 $ 161,000
Sevier, Tennessee 25 $ 3,914,000 $ 156,560 $ 82,000
Tarrant, Texas 24 $ 3,826,000 $ 159,416 $ 217,000
Norfolk, Virginia 24 $ 2,335,000 $ 97,291 $ 59,000
La Salle, Louisiana 23 $ 2,040,000 $ 88,695 $ 58,000
Wilson, Tennessee 21 $ 3,702,000 $ 176,285 $ 80,000
Etowah, Alabama 20 $ 1,246,000 $ 62,300 $ 58,000
Greene, Arkansas 20 $ 1,482,000 $ 74,100 $ 36,000
DeSoto, Mississippi 20 $ 2,499,000 $ 124,950 $ 66,000
Madison, Mississippi 20 $ 2,654,000 $ 132,700 $ 69,000
Catoosa, Georgia 19 $ 2,613,000 $ 137,526 $ 56,000
Ouachita, Louisiana 19 $ 1,326,000 $ 69,789 $ 39,000
Hall, Georgia 18 $ 2,349,000 $ 130,500 $ 68,000
Harris, Georgia 18 $ 3,718,000 $ 206,555 $ 88,000
Blount, Tennessee 18 $ 3,634,000 $ 201,888 $ 109,000
Robertson, Tennessee 18 $ 2,536,000 $ 140,888 $ 54,000
Marion, Mississippi 17 $ 1,185,000 $ 69,705 $ 43,000
Winston, Mississippi 17 $ 1,421,000 $ 83,588 $ 41,000
Clarke, Alabama 16 $ 1,529,000 $ 95,562 $ 51,000
Dallas, Alabama 16 $ 1,355,000 $ 84,687 $ 59,000
Lawrence, Alabama 16 $ 1,385,000 $ 86,562 $ 44,000
Bossier, Louisiana 16 $ 1,622,000 $ 101,375 $ 47,000
Sunflower, Mississippi 16 $ 1,226,000 $ 76,625 $ 69,000
Le Flore, Oklahoma 16 $ 1,322,000 $ 82,625 $ 48,000
Bradley, Tennessee 16 $ 2,128,000 $ 133,000 $ 57,000
Hale, Alabama 15 $ 1,627,000 $ 108,466 $ 46,000
Marshall, Alabama 15 $ 1,764,000 $ 117,600 $ 128,000
Mississippi, Arkansas 15 $ 942,000 $ 62,800 $ 50,000
Pontotoc, Mississippi 15 $ 1,077,000 $ 71,800 $ 44,000
Warren, Mississippi 15 $ 1,156,000 $ 77,066 $ 42,000
Roane, Tennessee 15 $ 2,456,000 $ 163,733 $ 77,000
Poinsett, Arkansas 14 $ 873,000 $ 62,357 $ 34,000
Natchitoches, Louisiana 14 $ 1,234,000 $ 88,142 $ 46,000
St. Landry, Louisiana 14 $ 936,000 $ 66,857 $ 42,000
Vernon, Louisiana 14 $ 1,202,000 $ 85,857 $ 59,000
Monroe, Mississippi 14 $ 1,051,000 $ 75,071 $ 52,000
Tippah, Mississippi 14 $ 1,041,000 $ 74,357 $ 38,000
Union, Mississippi 14 $ 1,082,000 $ 77,285 $ 39,000
Hampton, Virginia 14 $ 2,210,000 $ 157,857 $ 53,000
Henrico, Virginia 14 $ 2,401,000 $ 171,500 $ 61,000
Santa Rosa, Florida 13 $ 1,500,000 $ 115,384 $ 48,000
Forsyth, Georgia 13 $ 3,078,000 $ 236,769 $ 103,000
Whitfield, Georgia 13 $ 1,485,000 $ 114,230 $ 45,000
Jefferson, Kentucky 13 $ 1,355,000 $ 104,230 $ 46,000
Wake, North Carolina 13 $ 2,280,000 $ 175,384 $ 52,000
Hamblen, Tennessee 13 $ 1,385,000 $ 106,538 $ 49,000
Hanover, Virginia 13 $ 2,245,000 $ 172,692 $ 63,000
Butler, Alabama 12 $ 1,108,000 $ 92,333 $ 67,000
DeKalb, Alabama 12 $ 1,187,000 $ 98,916 $ 60,000
Marion, Alabama 12 $ 941,000 $ 78,416 $ 47,000
Clay, Arkansas 12 $ 616,000 $ 51,333 $ 39,000
Jefferson, Arkansas 12 $ 683,000 $ 56,916 $ 41,000
Allen, Louisiana 12 $ 824,000 $ 68,666 $ 38,000
Lafayette, Louisiana 12 $ 1,101,000 $ 91,750 $ 39,000
Sabine, Louisiana 12 $ 774,000 $ 64,500 $ 56,000
Pike, Mississippi 12 $ 1,055,000 $ 87,916 $ 52,000
Dale, Alabama 11 $ 480,000 $ 43,636 $ 38,000
Randolph, Alabama 11 $ 1,098,000 $ 99,818 $ 50,000
Polk, Arkansas 11 $ 723,000 $ 65,727 $ 38,000
Randolph, Arkansas 11 $ 637,000 $ 57,909 $ 36,000
Evangeline, Louisiana 11 $ 828,000 $ 75,272 $ 48,000
Livingston, Louisiana 11 $ 1,174,000 $ 106,727 $ 42,000
Scott, Mississippi 11 $ 907,000 $ 82,454 $ 61,000
Jasper, Missouri 11 $ 701,000 $ 63,727 $ 35,000
Jefferson, Tennessee 11 $ 1,188,000 $ 108,000 $ 64,000
Madison, Tennessee 11 $ 1,187,000 $ 107,909 $ 38,000
Maury, Tennessee 11 $ 1,108,000 $ 100,727 $ 50,000
Dallas, Texas 11 $ 12,078,000 $ 1,098,000 $ 59,000
Portsmouth, Virginia 11 $ 1,324,000 $ 120,363 $ 40,000
Faulkner, Arkansas 10 $ 1,116,000 $ 111,600 $ 53,000
Acadia, Louisiana 10 $ 693,000 $ 69,300 $ 33,000
Winn, Louisiana 10 $ 676,000 $ 67,600 $ 33,000
Covington, Mississippi 10 $ 908,000 $ 90,800 $ 45,000
Lauderdale, Mississippi 10 $ 1,137,000 $ 113,700 $ 62,000
Simpson, Mississippi 10 $ 847,000 $ 84,700 $ 39,000
Chesapeake, Virginia 10 $ 2,088,000 $ 208,800 $ 115,000
Jackson, Alabama 9 $ 831,000 $ 92,333 $ 48,000
Macon, Alabama 9 $ 1,050,000 $ 116,666 $ 54,000
Winston, Alabama 9 $ 1,022,000 $ 113,555 $ 72,000
Jessamine, Kentucky 9 $ 1,216,000 $ 135,111 $ 82,000
Scott, Kentucky 9 $ 1,396,000 $ 155,111 $ 65,000
Beauregard, Louisiana 9 $ 831,000 $ 92,333 $ 66,000
Washington, Louisiana 9 $ 695,000 $ 77,222 $ 64,000
Bolivar, Mississippi 9 $ 828,000 $ 92,000 $ 42,000
Perry, Mississippi 9 $ 926,000 $ 102,888 $ 51,000
Rhea, Tennessee 9 $ 1,052,000 $ 116,888 $ 38,000
Bexar, Texas 9 $ 1,347,000 $ 149,666 $ 97,000
Newport News, Virginia 9 $ 1,255,000 $ 139,444 $ 60,000
Coffee, Alabama 8 $ 352,000 $ 44,000 $ 30,000
Escambia, Alabama 8 $ 808,000 $ 101,000 $ 71,000
Lawrence, Arkansas 8 $ 449,000 $ 56,125 $ 50,000
Lonoke, Arkansas 8 $ 977,000 $ 122,125 $ 63,000
Saline, Arkansas 8 $ 788,000 $ 98,500 $ 41,000
Pinellas, Florida 8 $ 1,549,000 $ 193,625 $ 103,000
Barrow, Georgia 8 $ 761,000 $ 95,125 $ 52,000
Clayton, Georgia 8 $ 2,690,000 $ 336,250 $ 45,000
Newton, Georgia 8 $ 870,000 $ 108,750 $ 86,000
Rockdale, Georgia 8 $ 742,000 $ 92,750 $ 65,000
Cook, Illinois 8 $ 1,865,000 $ 233,125 $ 71,000
Coahoma, Mississippi 8 $ 501,000 $ 62,625 $ 42,000
Jackson, Mississippi 8 $ 856,000 $ 107,000 $ 55,000
Leake, Mississippi 8 $ 823,000 $ 102,875 $ 53,000
Marshall, Mississippi 8 $ 545,000 $ 68,125 $ 41,000
Tate, Mississippi 8 $ 742,000 $ 92,750 $ 57,000
Anderson, Tennessee 8 $ 1,079,000 $ 134,875 $ 65,000
Hays, Texas 8 $ 1,420,000 $ 177,500 $ 78,000
Suffolk, Virginia 8 $ 1,739,000 $ 217,375 $ 88,000
Bibb, Alabama 7 $ 487,000 $ 69,571 $ 30,000
Pickens, Alabama 7 $ 712,000 $ 101,714 $ 50,000
Washington, Alabama 7 $ 708,000 $ 101,142 $ 54,000
Cleburne, Arkansas 7 $ 889,000 $ 127,000 $ 98,000
Duval, Florida 7 $ 791,000 $ 113,000 $ 63,000
Polk, Florida 7 $ 7,422,000 $ 1,060,285 $ 42,000
Clark, Kentucky 7 $ 889,000 $ 127,000 $ 38,000
Alcorn, Mississippi 7 $ 519,000 $ 74,142 $ 47,000
Clay, Mississippi 7 $ 440,000 $ 62,857 $ 36,000
Copiah, Mississippi 7 $ 389,000 $ 55,571 $ 34,000
Grenada, Mississippi 7 $ 377,000 $ 53,857 $ 39,000
Newton, Missouri 7 $ 545,000 $ 77,857 $ 46,000
Sequoyah, Oklahoma 7 $ 568,000 $ 81,142 $ 58,000
Bedford, Tennessee 7 $ 659,000 $ 94,142 $ 42,000
Gibson, Tennessee 7 $ 1,069,000 $ 152,714 $ 45,000
Lincoln, Tennessee 7 $ 981,000 $ 140,142 $ 82,000
Loudon, Tennessee 7 $ 797,000 $ 113,857 $ 51,000
McMinn, Tennessee 7 $ 568,000 $ 81,142 $ 47,000
Obion, Tennessee 7 $ 527,000 $ 75,285 $ 64,000
Cherokee, Alabama 6 $ 720,000 $ 120,000 $ 49,000
Conway, Arkansas 6 $ 287,000 $ 47,833 $ 36,000
Pope, Arkansas 6 $ 411,000 $ 68,500 $ 36,000
White, Arkansas 6 $ 486,000 $ 81,000 $ 41,000
Clay, Florida 6 $ 850,000 $ 141,666 $ 42,000
Hillsborough, Florida 6 $ 1,398,000 $ 233,000 $ 84,000
Paulding, Georgia 6 $ 771,000 $ 128,500 $ 39,000
Anderson, Kentucky 6 $ 751,000 $ 125,166 $ 49,000
De Soto, Louisiana 6 $ 689,000 $ 114,833 $ 48,000
Iberia, Louisiana 6 $ 385,000 $ 64,166 $ 32,000
Jefferson Davis, Louisiana 6 $ 329,000 $ 54,833 $ 40,000
St. Martin, Louisiana 6 $ 482,000 $ 80,333 $ 38,000
Chickasaw, Mississippi 6 $ 264,000 $ 44,000 $ 34,000
George, Mississippi 6 $ 577,000 $ 96,166 $ 77,000
Hancock, Mississippi 6 $ 810,000 $ 135,000 $ 66,000
Itawamba, Mississippi 6 $ 430,000 $ 71,666 $ 40,000
Jasper, Mississippi 6 $ 377,000 $ 62,833 $ 45,000
Lafayette, Mississippi 6 $ 993,000 $ 165,500 $ 132,000
Lincoln, Mississippi 6 $ 467,000 $ 77,833 $ 46,000
Newton, Mississippi 6 $ 370,000 $ 61,666 $ 34,000
Panola, Mississippi 6 $ 534,000 $ 89,000 $ 48,000
Prentiss, Mississippi 6 $ 362,000 $ 60,333 $ 51,000
Tishomingo, Mississippi 6 $ 485,000 $ 80,833 $ 55,000
Lee, North Carolina 6 $ 1,044,000 $ 174,000 $ 63,000
Robeson, North Carolina 6 $ 727,000 $ 121,166 $ 42,000
Rogers, Oklahoma 6 $ 989,000 $ 164,833 $ 69,000
Campbell, Tennessee 6 $ 807,000 $ 134,500 $ 64,000
Crockett, Tennessee 6 $ 705,000 $ 117,500 $ 98,000
Monroe, Tennessee 6 $ 799,000 $ 133,166 $ 214,000
Chesterfield, Virginia 6 $ 1,206,000 $ 201,000 $ 58,000
Loudoun, Virginia 6 $ 1,252,000 $ 208,666 $ 112,000
Southampton, Virginia 6 $ 730,000 $ 121,666 $ 53,000
Warren, Virginia 6 $ 1,121,000 $ 186,833 $ 64,000
Cleburne, Alabama 5 $ 497,000 $ 99,400 $ 56,000
Henry, Alabama 5 $ 432,000 $ 86,400 $ 44,000
Houston, Alabama 5 $ 437,000 $ 87,400 $ 52,000
Lowndes, Alabama 5 $ 570,000 $ 114,000 $ 51,000
Boone, Arkansas 5 $ 422,000 $ 84,400 $ 39,000
Crittenden, Arkansas 5 $ 393,000 $ 78,600 $ 50,000
Logan, Arkansas 5 $ 457,000 $ 91,400 $ 52,000
Prairie, Arkansas 5 $ 287,000 $ 57,400 $ 29,000
Union, Arkansas 5 $ 307,000 $ 61,400 $ 54,000
Lee, Florida 5 $ 799,000 $ 159,800 $ 88,000
Seminole, Florida 5 $ 2,360,000 $ 472,000 $ 295,000
Douglas, Georgia 5 $ 884,000 $ 176,800 $ 68,000
Ascension, Louisiana 5 $ 964,000 $ 192,800 $ 72,000
Concordia, Louisiana 5 $ 276,000 $ 55,200 $ 45,000
St. Mary, Louisiana 5 $ 439,000 $ 87,800 $ 42,000
Tangipahoa, Louisiana 5 $ 698,000 $ 139,600 $ 57,000
Terrebonne, Louisiana 5 $ 643,000 $ 128,600 $ 72,000
Union, Louisiana 5 $ 378,000 $ 75,600 $ 36,000
Lawrence, Mississippi 5 $ 391,000 $ 78,200 $ 55,000
Leflore, Mississippi 5 $ 305,000 $ 61,000 $ 72,000
St. Charles, Missouri 5 $ 457,000 $ 91,400 $ 81,000
Cherokee, Oklahoma 5 $ 346,000 $ 69,200 $ 59,000
Muskogee, Oklahoma 5 $ 279,000 $ 55,800 $ 35,000
Grainger, Tennessee 5 $ 317,000 $ 63,400 $ 39,000
Hardin, Tennessee 5 $ 413,000 $ 82,600 $ 52,000
Marion, Tennessee 5 $ 409,000 $ 81,800 $ 33,000
Montgomery, Tennessee 5 $ 4,767,000 $ 953,400 $ 28,000
Putnam, Tennessee 5 $ 573,000 $ 114,600 $ 39,000
Union, Tennessee 5 $ 524,000 $ 104,800 $ 46,000
Denton, Texas 5 $ 619,000 $ 123,800 $ 64,000
Isle of Wight, Virginia 5 $ 1,248,000 $ 249,600 $ 92,000
Richmond City, Virginia 5 $ 476,000 $ 95,200 $ 55,000
Choctaw, Alabama 4 $ 302,000 $ 75,500 $ 37,000
Covington, Alabama 4 $ 271,000 $ 67,750 $ 47,000
Monroe, Alabama 4 $ 240,000 $ 60,000 $ 42,000
Pike, Alabama 4 $ 428,000 $ 107,000 $ 49,000
Sumter, Alabama 4 $ 246,000 $ 61,500 $ 50,000
Franklin, Arkansas 4 $ 233,000 $ 58,250 $ 28,000
Independence, Arkansas 4 $ 169,000 $ 42,250 $ 36,000
Johnson, Arkansas 4 $ 276,000 $ 69,000 $ 27,000
Jackson, Florida 4 $ 743,000 $ 185,750 $ 79,000
Levy, Florida 4 $ 534,000 $ 133,500 $ 35,000
Marion, Florida 4 $ 753,000 $ 188,250 $ 72,000
Washington, Florida 4 $ 721,000 $ 180,250 $ 91,000
Bibb, Georgia 4 $ 668,000 $ 167,000 $ 69,000
Gordon, Georgia 4 $ 566,000 $ 141,500 $ 67,000
Walton, Georgia 4 $ 485,000 $ 121,250 $ 50,000
Lake, Illinois 4 $ 781,000 $ 195,250 $ 138,000
Bourbon, Kentucky 4 $ 481,000 $ 120,250 $ 44,000
Bienville, Louisiana 4 $ 248,000 $ 62,000 $ 33,000
Catahoula, Louisiana 4 $ 274,000 $ 68,500 $ 36,000
Jackson, Louisiana 4 $ 304,000 $ 76,000 $ 27,000
Morehouse, Louisiana 4 $ 307,000 $ 76,750 $ 91,000
St. Bernard, Louisiana 4 $ 441,000 $ 110,250 $ 60,000
St. John the Baptist, Louisiana 4 $ 341,000 $ 85,250 $ 51,000
Vermilion, Louisiana 4 $ 316,000 $ 79,000 $ 45,000
Webster, Louisiana 4 $ 249,000 $ 62,250 $ 47,000
Choctaw, Mississippi 4 $ 389,000 $ 97,250 $ 55,000
Jefferson Davis, Mississippi 4 $ 279,000 $ 69,750 $ 44,000
Stone, Mississippi 4 $ 556,000 $ 139,000 $ 61,000
Washington, Mississippi 4 $ 169,000 $ 42,250 $ 39,000
Barton, Missouri 4 $ 188,000 $ 47,000 $ 29,000
Forsyth, North Carolina 4 $ 570,000 $ 142,500 $ 73,000
Cannon, Tennessee 4 $ 324,000 $ 81,000 $ 42,000
Carter, Tennessee 4 $ 370,000 $ 92,500 $ 44,000
Cheatham, Tennessee 4 $ 410,000 $ 102,500 $ 52,000
Cocke, Tennessee 4 $ 373,000 $ 93,250 $ 36,000
Franklin, Tennessee 4 $ 677,000 $ 169,250 $ 80,000
Humphreys, Tennessee 4 $ 252,000 $ 63,000 $ 60,000
Lauderdale, Tennessee 4 $ 442,000 $ 110,500 $ 51,000
Marshall, Tennessee 4 $ 348,000 $ 87,000 $ 26,000
Hood, Texas 4 $ 452,000 $ 113,000 $ 288,000
Lubbock, Texas 4 $ 2,760,000 $ 690,000 $ 33,000
Travis, Texas 4 $ 908,000 $ 227,000 $ 168,000
King William, Virginia 4 $ 672,000 $ 168,000 $ 55,000
Clay, Alabama 3 $ 139,000 $ 46,333 $ 19,000
Marengo, Alabama 3 $ 150,000 $ 50,000 $ 31,000
Wilcox, Alabama 3 $ 348,000 $ 116,000 $ 62,000
Baxter, Arkansas 3 $ 246,000 $ 82,000 $ 42,000
Clark, Arkansas 3 $ 168,000 $ 56,000 $ 51,000
Cleveland, Arkansas 3 $ 145,000 $ 48,333 $ 45,000
Cross, Arkansas 3 $ 175,000 $ 58,333 $ 38,000
Grant, Arkansas 3 $ 372,000 $ 124,000 $ 59,000
Hempstead, Arkansas 3 $ 141,000 $ 47,000 $ 57,000
Jackson, Arkansas 3 $ 161,000 $ 53,666 $ 36,000
Sharp, Arkansas 3 $ 236,000 $ 78,666 $ 48,000
Riverside, California 3 $ 972,000 $ 324,000 $ 91,000
Broward, Florida 3 $ 603,000 $ 201,000 $ 94,000
Walton, Florida 3 $ 4,839,000 $ 1,613,000 $ 1,568,000
Carroll, Georgia 3 $ 398,000 $ 132,666 $ 85,000
Cherokee, Georgia 3 $ 504,000 $ 168,000 $ 105,000
Clarke, Georgia 3 $ 410,000 $ 136,666 $ 105,000
Talbot, Georgia 3 $ 307,000 $ 102,333 $ 62,000
Hamilton, Indiana 3 $ 745,000 $ 248,333 $ 124,000
Kenton, Kentucky 3 $ 674,000 $ 224,666 $ 101,000
Shelby, Kentucky 3 $ 307,000 $ 102,333 $ 39,000
Claiborne, Louisiana 3 $ 210,000 $ 70,000 $ 39,000
Richland, Louisiana 3 $ 126,000 $ 42,000 $ 29,000
Adams, Mississippi 3 $ 277,000 $ 92,333 $ 48,000
Amite, Mississippi 3 $ 258,000 $ 86,000 $ 71,000
Claiborne, Mississippi 3 $ 341,000 $ 113,666 $ 57,000
Tallahatchie, Mississippi 3 $ 150,000 $ 50,000 $ 28,000
Yazoo, Mississippi 3 $ 187,000 $ 62,333 $ 55,000
McDonald, Missouri 3 $ 118,000 $ 39,333 $ 30,000
Alamance, North Carolina 3 $ 471,000 $ 157,000 $ 21,000
Buncombe, North Carolina 3 $ 1,025,000 $ 341,666 $ 105,000
Catawba, North Carolina 3 $ 822,000 $ 274,000 $ 85,000
Davidson, North Carolina 3 $ 459,000 $ 153,000 $ 57,000
Mecklenburg, North Carolina 3 $ 405,000 $ 135,000 $ 63,000
Moore, North Carolina 3 $ 1,282,000 $ 427,333 $ 85,000
Delaware, Oklahoma 3 $ 212,000 $ 70,666 $ 26,000
Tulsa, Oklahoma 3 $ 235,000 $ 78,333 $ 28,000
Richland, South Carolina 3 $ 743,000 $ 247,666 $ 80,000
Claiborne, Tennessee 3 $ 268,000 $ 89,333 $ 38,000
Coffee, Tennessee 3 $ 253,000 $ 84,333 $ 56,000
DeKalb, Tennessee 3 $ 546,000 $ 182,000 $ 68,000
Henderson, Tennessee 3 $ 575,000 $ 191,666 $ 57,000
Henry, Tennessee 3 $ 158,000 $ 52,666 $ 48,000
Smith, Tennessee 3 $ 382,000 $ 127,333 $ 62,000
Llano, Texas 3 $ 249,000 $ 83,000 $ 31,000
Gloucester, Virginia 3 $ 395,000 $ 131,666 $ 40,000
New Kent, Virginia 3 $ 660,000 $ 220,000 $ 116,000
York, Virginia 3 $ 1,347,000 $ 449,000 $ 572,000
Barbour, Alabama 2 $ 150,000 $ 75,000 $ 95,000
Chambers, Alabama 2 $ 198,000 $ 99,000 $ 41,000
Fayette, Alabama 2 $ 280,000 $ 140,000 $ 141,000
Geneva, Alabama 2 $ 210,000 $ 105,000 $ 38,000
Greene, Alabama 2 $ 87,000 $ 43,500 $ 67,000
Gila, Arizona 2 $ 483,000 $ 241,500 $ 390,000
Dallas, Arkansas 2 $ 155,000 $ 77,500 $ 29,000
Drew, Arkansas 2 $ 108,000 $ 54,000 $ 43,000
Garland, Arkansas 2 $ 221,000 $ 110,500 $ 48,000
Howard, Arkansas 2 $ 110,000 $ 55,000 $ 35,000
Izard, Arkansas 2 $ 131,000 $ 65,500 $ 42,000
Lee, Arkansas 2 $ 108,000 $ 54,000 $ 39,000
Miller, Arkansas 2 $ 136,000 $ 68,000 $ 37,000
Monroe, Arkansas 2 $ 79,000 $ 39,500 $ 13,000
Scott, Arkansas 2 $ 137,000 $ 68,500 $ 45,000
Van Buren, Arkansas 2 $ 169,000 $ 84,500 $ 48,000
Alameda, California 2 $ 385,000 $ 192,500 $ 101,000
El Paso, Colorado 2 $ 324,000 $ 162,000 $ 0
District of Columbia, District Of Columbia 2 $ 581,000 $ 290,500 $ 106,000
Brevard, Florida 2 $ 243,000 $ 121,500 $ 43,000
Citrus, Florida 2 $ 291,000 $ 145,500 $ 51,000
Nassau, Florida 2 $ 150,000 $ 75,000 $ 48,000
Orange, Florida 2 $ 1,342,000 $ 671,000 $ 211,000
Palm Beach, Florida 2 $ 403,000 $ 201,500 $ 70,000
St. Lucie, Florida 2 $ 360,000 $ 180,000 $ 28,000
Volusia, Florida 2 $ 127,000 $ 63,500 $ 47,000
Baldwin, Georgia 2 $ 96,000 $ 48,000 $ 41,000
Bulloch, Georgia 2 $ 169,000 $ 84,500 $ 78,000
Chatham, Georgia 2 $ 280,000 $ 140,000 $ 57,000
Coffee, Georgia 2 $ 120,000 $ 60,000 $ 15,000
Coweta, Georgia 2 $ 446,000 $ 223,000 $ 121,000
Dade, Georgia 2 $ 174,000 $ 87,000 $ 40,000
Henry, Georgia 2 $ 194,000 $ 97,000 $ 77,000
Houston, Georgia 2 $ 108,000 $ 54,000 $ 29,000
Marion, Georgia 2 $ 165,000 $ 82,500 $ 37,000
Murray, Georgia 2 $ 184,000 $ 92,000 $ 47,000
Bartholomew, Indiana 2 $ 390,000 $ 195,000 $ 81,000
Lake, Indiana 2 $ 257,000 $ 128,500 $ 53,000
Johnson, Kansas 2 $ 444,000 $ 222,000 $ 86,000
Labette, Kansas 2 $ 52,000 $ 26,000 $ 18,000
Madison, Kentucky 2 $ 416,000 $ 208,000 $ 89,000
McCracken, Kentucky 2 $ 8,510,000 $ 4,255,000 $ 9,000
Monroe, Kentucky 2 $ 100,000 $ 50,000 $ 23,000
Montgomery, Kentucky 2 $ 189,000 $ 94,500 $ 31,000
Morgan, Kentucky 2 $ 164,000 $ 82,000 $ 55,000
Ohio, Kentucky 2 $ 131,000 $ 65,500 $ 37,000
Oldham, Kentucky 2 $ 463,000 $ 231,500 $ 63,000
Caldwell, Louisiana 2 $ 118,000 $ 59,000 $ 48,000
Lafourche, Louisiana 2 $ 422,000 $ 211,000 $ 60,000
Lincoln, Louisiana 2 $ 147,000 $ 73,500 $ 33,000
St. Charles, Louisiana 2 $ 253,000 $ 126,500 $ 40,000
West Carroll, Louisiana 2 $ 108,000 $ 54,000 $ 43,000
Prince George's, Maryland 2 $ 335,000 $ 167,500 $ 34,000
Attala, Mississippi 2 $ 74,000 $ 37,000 $ 29,000
Greene, Mississippi 2 $ 330,000 $ 165,000 $ 59,000
Holmes, Mississippi 2 $ 77,000 $ 38,500 $ 35,000
Montgomery, Mississippi 2 $ 311,000 $ 155,500 $ 93,000
Neshoba, Mississippi 2 $ 132,000 $ 66,000 $ 25,000
Noxubee, Mississippi 2 $ 69,000 $ 34,500 $ 39,000
Quitman, Mississippi 2 $ 158,000 $ 79,000 $ 62,000
Sharkey, Mississippi 2 $ 138,000 $ 69,000 $ 51,000
Tunica, Mississippi 2 $ 152,000 $ 76,000 $ 36,000
Walthall, Mississippi 2 $ 246,000 $ 123,000 $ 84,000
Dunklin, Missouri 2 $ 126,000 $ 63,000 $ 63,000
Greene, Missouri 2 $ 186,000 $ 93,000 $ 47,000
Pulaski, Missouri 2 $ 250,000 $ 125,000 $ 73,000
Shannon, Missouri 2 $ 78,000 $ 39,000 $ 17,000
Stone, Missouri 2 $ 164,000 $ 82,000 $ 27,000
Texas, Missouri 2 $ 256,000 $ 128,000 $ 77,000
Sussex, New Jersey 2 $ 613,000 $ 306,500 $ 242,000
Beaufort, North Carolina 2 $ 275,000 $ 137,500 $ 54,000
Brunswick, North Carolina 2 $ 902,000 $ 451,000 $ 40,000
Carteret, North Carolina 2 $ 1,077,000 $ 538,500 $ 160,000
Davie, North Carolina 2 $ 249,000 $ 124,500 $ 29,000
Nash, North Carolina 2 $ 445,000 $ 222,500 $ 67,000
New Hanover, North Carolina 2 $ 213,000 $ 106,500 $ 71,000
Onslow, North Carolina 2 $ 108,000 $ 54,000 $ 156,000
Pasquotank, North Carolina 2 $ 314,000 $ 157,000 $ 48,000
Pender, North Carolina 2 $ 197,000 $ 98,500 $ 187,000
Sampson, North Carolina 2 $ 233,000 $ 116,500 $ 48,000
Scotland, North Carolina 2 $ 152,000 $ 76,000 $ 24,000
Stokes, North Carolina 2 $ 218,000 $ 109,000 $ 33,000
Wayne, North Carolina 2 $ 233,000 $ 116,500 $ 86,000
Grady, Oklahoma 2 $ 124,000 $ 62,000 $ 22,000
Kay, Oklahoma 2 $ 87,000 $ 43,500 $ 51,000
Logan, Oklahoma 2 $ 222,000 $ 111,000 $ 65,000
Mayes, Oklahoma 2 $ 134,000 $ 67,000 $ 41,000
McCurtain, Oklahoma 2 $ 181,000 $ 90,500 $ 31,000
Ottawa, Oklahoma 2 $ 183,000 $ 91,500 $ 40,000
Wagoner, Oklahoma 2 $ 169,000 $ 84,500 $ 60,000
Centre, Pennsylvania 2 $ 201,000 $ 100,500 $ 90,000
Beaufort, South Carolina 2 $ 608,000 $ 304,000 $ 138,000
Florence, South Carolina 2 $ 283,000 $ 141,500 $ 81,000
Horry, South Carolina 2 $ 290,000 $ 145,000 $ 47,000
Jasper, South Carolina 2 $ 359,000 $ 179,500 $ 140,000
Laurens, South Carolina 2 $ 483,000 $ 241,500 $ 73,000
Benton, Tennessee 2 $ 354,000 $ 177,000 $ 86,000
Carroll, Tennessee 2 $ 136,000 $ 68,000 $ 31,000
Decatur, Tennessee 2 $ 107,000 $ 53,500 $ 35,000
Dickson, Tennessee 2 $ 287,000 $ 143,500 $ 73,000
Fentress, Tennessee 2 $ 292,000 $ 146,000 $ 59,000
Giles, Tennessee 2 $ 147,000 $ 73,500 $ 51,000
Greene, Tennessee 2 $ 64,000 $ 32,000 $ 25,000
Hawkins, Tennessee 2 $ 118,000 $ 59,000 $ 21,000
Johnson, Tennessee 2 $ 105,000 $ 52,500 $ 41,000
McNairy, Tennessee 2 $ 182,000 $ 91,000 $ 64,000
Sullivan, Tennessee 2 $ 181,000 $ 90,500 $ 41,000
Tipton, Tennessee 2 $ 310,000 $ 155,000 $ 62,000
Washington, Tennessee 2 $ 159,000 $ 79,500 $ 32,000
Bell, Texas 2 $ 163,000 $ 81,500 $ 43,000
Bowie, Texas 2 $ 175,000 $ 87,500 $ 52,000
Calhoun, Texas 2 $ 291,000 $ 145,500 $ 49,000
Cass, Texas 2 $ 119,000 $ 59,500 $ 50,000
Comal, Texas 2 $ 544,000 $ 272,000 $ 103,000
McLennan, Texas 2 $ 159,000 $ 79,500 $ 46,000
Smith, Texas 2 $ 182,000 $ 91,000 $ 78,000
Williamson, Texas 2 $ 290,000 $ 145,000 $ 61,000
Iron, Utah 2 $ 261,000 $ 130,500 $ 276,000
Charles City, Virginia 2 $ 292,000 $ 146,000 $ 61,000
Goochland, Virginia 2 $ 399,000 $ 199,500 $ 102,000
Louisa, Virginia 2 $ 288,000 $ 144,000 $ 51,000
Mecklenburg, Virginia 2 $ 347,000 $ 173,500 $ 195,000
Prince Edward, Virginia 2 $ 138,000 $ 69,000 $ 38,000
Prince William, Virginia 2 $ 598,000 $ 299,000 $ 48,000
Waynesboro, Virginia 2 $ 344,000 $ 172,000 $ 45,000
Bullock, Alabama 1 $ 138,000 $ 138,000 $ 38,000
Conecuh, Alabama 1 $ 99,000 $ 99,000 $ 43,000
Lamar, Alabama 1 $ 50,000 $ 50,000 $ 78,000
Perry, Alabama 1 $ 55,000 $ 55,000 $ 28,000
Coconino, Arizona 1 $ 270,000 $ 270,000 $ 112,000
Navajo, Arizona 1 $ 174,000 $ 174,000 $ 114,000
Pima, Arizona 1 $ 187,000 $ 187,000 $ 400,000
Yavapai, Arizona 1 $ 125,000 $ 125,000 $ 25,000
Arkansas, Arkansas 1 $ 30,000 $ 30,000 $ 33,000
Ashley, Arkansas 1 $ 113,000 $ 113,000 $ 34,000
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Mortgage Loan Application Detail Totals for New South Federal Savings Bank in 2006

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 8,334 $1,141,391,000 $136,000 $9,000,000 $65,000 $1,440,000
Refinancing 4,147 $439,517,000 $105,000 $1,560,000 $54,000 $1,104,000
Home Improvement 352 $43,752,000 $124,000 $3,500,000 $68,000 $4,200,000

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 8,591 $1,095,064,000 $127,000 $3,500,000 $65,000 $4,200,000
Black or African American 3,289 $329,787,000 $100,000 $1,500,000 $49,000 $816,000
Hispanic 412 $57,635,000 $139,000 $417,000 $72,000 $437,000
Not Provided 252 $33,364,000 $132,000 $1,560,000 $64,000 $408,000
Asian 206 $37,109,000 $180,000 $600,000 $96,000 $465,000
American Indian or Alaskan Native 37 $4,835,000 $130,000 $361,000 $55,000 $124,000
Native Hawaiian or Other Pacific Islander 33 $4,704,000 $142,000 $517,000 $100,000 $224,000
Not applicable 13 $62,162,000 $4,781,000 $9,000,000 $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) 9,868 $1,263,417,000 $128,000 $9,000,000 $66,000 $4,200,000
FHA-insured (Federal Housing Administration) 2,184 $237,111,000 $108,000 $295,000 $44,000 $457,000
VA-guaranteed (Veterans Administration) 732 $118,596,000 $162,000 $417,000 $61,000 $298,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 49 $5,536,000 $112,000 $180,000 $38,000 $64,000

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 5,220 $708,651,000 $135,000 $9,000,000 $63,000 $817,000
Application Denied By Financial Institution 1,853 $207,012,000 $111,000 $1,560,000 $54,000 $1,440,000
File Closed For Incompleteness 1,825 $211,103,000 $115,000 $3,500,000 $61,000 $4,200,000
Preapproval Denied by Financial Institution 1,293 $134,026,000 $103,000 $600,000 $40,000 $281,000
Loan Purchased By The Institution 1,203 $169,808,000 $141,000 $784,000 $81,000 $930,000
Preapproval Approved but not Accepted 655 $88,491,000 $135,000 $800,000 $59,000 $384,000
Application Approved But Not Accepted 620 $84,038,000 $135,000 $772,000 $78,000 $1,230,000
Application Withdrawn By Applicant 164 $21,531,000 $131,000 $311,000 $80,000 $480,000

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 2,033 $204,267,000 $100,000 $1,560,000 $43,000 $1,000,000
Debt-To-Income Ratio 587 $72,435,000 $123,000 $1,495,000 $43,000 $480,000
Other 193 $21,968,000 $113,000 $895,000 $66,000 $1,440,000
Collateral 144 $19,702,000 $136,000 $1,500,000 $78,000 $816,000
Unverifiable Information 60 $7,168,000 $119,000 $609,000 $72,000 $551,000
Employment History 59 $6,329,000 $107,000 $336,000 $70,000 $1,070,000
Insufficient Cash (Downpayment, Closing Cost) 50 $5,692,000 $113,000 $398,000 $70,000 $360,000
Credit Application Incomplete 20 $3,477,000 $173,000 $548,000 $52,000 $300,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into New South Federal Savings Bank's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess 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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