New South Federal Savings Bank Mortgage Lending & HMDA Data, 2007

In 2007, New South Federal Savings Bank of Birmingham, AL reported 15,254 mortgage applications totaling $2.0 billion, up 19% from 2006. The average application was for $130,705, and applicants reported an average income of $59,977. 38% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Birmingham-Hoover, AL (1,681), Montgomery, AL (674) and Mobile, AL (528) (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 15,254
Total Mortgage Loan Application Amount $1,993,787,000
Average Mortgage Loan Application Amount $130,705
Highest Mortgage Loan Application Amount $17,693,000
Average Applicant Income $59,977
Highest Applicant Income $9,534,000

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records New South Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Alabama 1,144 $ 136,004,000 $ 118,884 $ 58,000
Mobile, Alabama 528 $ 51,084,000 $ 96,750 $ 47,000
Montgomery, Alabama 480 $ 54,998,000 $ 114,579 $ 56,000
Madison, Alabama 384 $ 47,408,000 $ 123,458 $ 62,000
Rapides, Louisiana 284 $ 29,720,000 $ 104,647 $ 57,000
Shelby, Alabama 269 $ 48,831,000 $ 181,527 $ 72,000
Davidson, Tennessee 215 $ 32,102,000 $ 149,311 $ 82,000
Hamilton, Tennessee 213 $ 30,326,000 $ 142,375 $ 50,000
Tuscaloosa, Alabama 194 $ 23,185,000 $ 119,510 $ 61,000
Harris, Texas 166 $ 31,352,000 $ 188,867 $ 114,000
Cullman, Alabama 165 $ 19,257,000 $ 116,709 $ 51,000
Knox, Tennessee 161 $ 20,763,000 $ 128,962 $ 60,000
Morgan, Alabama 149 $ 14,075,000 $ 94,463 $ 45,000
Shelby, Tennessee 148 $ 19,143,000 $ 129,344 $ 67,000
Cumberland, North Carolina 137 $ 21,067,000 $ 153,773 $ 61,000
Calhoun, Alabama 121 $ 10,699,000 $ 88,421 $ 50,000
St. Clair, Alabama 119 $ 15,849,000 $ 133,184 $ 63,000
Baldwin, Alabama 116 $ 18,697,000 $ 161,181 $ 72,000
Hinds, Mississippi 115 $ 11,679,000 $ 101,556 $ 56,000
Muscogee, Georgia 114 $ 12,388,000 $ 108,666 $ 41,000
Elmore, Alabama 113 $ 17,149,000 $ 151,761 $ 66,000
Sebastian, Arkansas 106 $ 12,334,000 $ 116,358 $ 65,000
Pulaski, Arkansas 97 $ 10,013,000 $ 103,226 $ 56,000
Clark, Nevada 91 $ 15,859,000 $ 174,274 $ 63,000
Galveston, Texas 87 $ 18,073,000 $ 207,735 $ 124,000
Lauderdale, Alabama 78 $ 6,678,000 $ 85,615 $ 45,000
Limestone, Alabama 77 $ 11,306,000 $ 146,831 $ 59,000
Guilford, North Carolina 75 $ 10,861,000 $ 144,813 $ 69,000
Sumner, Tennessee 73 $ 12,414,000 $ 170,054 $ 65,000
Fulton, Georgia 71 $ 11,430,000 $ 160,985 $ 86,000
Fort Bend, Texas 71 $ 14,785,000 $ 208,239 $ 141,000
Autauga, Alabama 70 $ 9,099,000 $ 129,985 $ 60,000
Orleans, Louisiana 70 $ 9,915,000 $ 141,642 $ 72,000
Rutherford, Tennessee 69 $ 10,115,000 $ 146,594 $ 55,000
Jefferson, Kentucky 68 $ 7,303,000 $ 107,397 $ 48,000
East Baton Rouge, Louisiana 68 $ 8,735,000 $ 128,455 $ 61,000
Fayette, Kentucky 66 $ 9,272,000 $ 140,484 $ 68,000
Gwinnett, Georgia 65 $ 12,227,000 $ 188,107 $ 68,000
Lee, Alabama 63 $ 8,120,000 $ 128,888 $ 59,000
Jefferson, Louisiana 63 $ 9,754,000 $ 154,825 $ 58,000
Colbert, Alabama 61 $ 5,772,000 $ 94,622 $ 51,000
Crawford, Arkansas 60 $ 6,500,000 $ 108,333 $ 57,000
Walker, Alabama 58 $ 5,473,000 $ 94,362 $ 67,000
Lowndes, Mississippi 56 $ 5,169,000 $ 92,303 $ 50,000
Catoosa, Georgia 54 $ 7,360,000 $ 136,296 $ 53,000
Washington, Arkansas 53 $ 6,320,000 $ 119,245 $ 60,000
Walker, Georgia 52 $ 5,413,000 $ 104,096 $ 40,000
Nye, Nevada 51 $ 10,119,000 $ 198,411 $ 101,000
Avoyelles, Louisiana 50 $ 3,827,000 $ 76,540 $ 48,000
Forrest, Mississippi 50 $ 4,465,000 $ 89,300 $ 46,000
Cobb, Georgia 49 $ 7,791,000 $ 159,000 $ 57,000
Caddo, Louisiana 49 $ 4,628,000 $ 94,448 $ 46,000
Talladega, Alabama 48 $ 6,173,000 $ 128,604 $ 59,000
Bell, Texas 48 $ 6,114,000 $ 127,375 $ 61,000
Montgomery, Texas 48 $ 10,541,000 $ 219,604 $ 156,000
Chatham, Georgia 47 $ 7,639,000 $ 162,531 $ 60,000
Calcasieu, Louisiana 47 $ 4,499,000 $ 95,723 $ 51,000
Williamson, Tennessee 47 $ 11,836,000 $ 251,829 $ 130,000
Escambia, Florida 46 $ 5,260,000 $ 114,347 $ 53,000
Garland, Arkansas 43 $ 6,020,000 $ 140,000 $ 66,000
St. Tammany, Louisiana 43 $ 6,806,000 $ 158,279 $ 71,000
Alachua, Florida 42 $ 8,281,000 $ 197,166 $ 80,000
Grant, Louisiana 42 $ 3,270,000 $ 77,857 $ 48,000
Maricopa, Arizona 40 $ 10,199,000 $ 254,975 $ 97,000
Lee, Mississippi 40 $ 3,806,000 $ 95,150 $ 54,000
Chilton, Alabama 39 $ 4,189,000 $ 107,410 $ 53,000
Floyd, Georgia 39 $ 6,026,000 $ 154,512 $ 48,000
Lamar, Mississippi 39 $ 6,262,000 $ 160,564 $ 77,000
DeKalb, Georgia 38 $ 6,830,000 $ 179,736 $ 69,000
Sevier, Tennessee 38 $ 6,007,000 $ 158,078 $ 82,000
Blount, Tennessee 37 $ 5,004,000 $ 135,243 $ 52,000
Benton, Arkansas 36 $ 5,075,000 $ 140,972 $ 54,000
St. Louis, Missouri 36 $ 3,941,000 $ 109,472 $ 50,000
Harrison, Mississippi 35 $ 5,178,000 $ 147,942 $ 60,000
Blount, Alabama 34 $ 3,854,000 $ 113,352 $ 50,000
Bay, Florida 34 $ 6,580,000 $ 193,529 $ 85,000
Jackson, Mississippi 34 $ 3,847,000 $ 113,147 $ 59,000
Montgomery, Tennessee 33 $ 4,131,000 $ 125,181 $ 49,000
Marshall, Alabama 32 $ 4,343,000 $ 135,718 $ 77,000
Robertson, Tennessee 32 $ 5,432,000 $ 169,750 $ 62,000
Rankin, Mississippi 31 $ 3,705,000 $ 119,516 $ 56,000
Russell, Alabama 30 $ 3,543,000 $ 118,100 $ 52,000
Liberty, Georgia 30 $ 3,972,000 $ 132,400 $ 57,000
Harnett, North Carolina 30 $ 5,695,000 $ 189,833 $ 77,000
Hoke, North Carolina 30 $ 4,481,000 $ 149,366 $ 54,000
Wilson, Tennessee 30 $ 5,761,000 $ 192,033 $ 76,000
Craighead, Arkansas 29 $ 2,205,000 $ 76,034 $ 47,000
Coweta, Georgia 29 $ 4,373,000 $ 150,793 $ 60,000
Madison, Tennessee 29 $ 2,699,000 $ 93,068 $ 43,000
Pinal, Arizona 28 $ 4,255,000 $ 151,964 $ 45,000
Livingston, Louisiana 28 $ 3,216,000 $ 114,857 $ 57,000
DeSoto, Mississippi 28 $ 5,520,000 $ 197,142 $ 97,000
Lauderdale, Mississippi 28 $ 2,619,000 $ 93,535 $ 43,000
Allen, Louisiana 27 $ 2,181,000 $ 80,777 $ 52,000
St. Louis City, Missouri 27 $ 2,985,000 $ 110,555 $ 52,000
Sequoyah, Oklahoma 27 $ 2,368,000 $ 87,703 $ 51,000
Bradley, Tennessee 27 $ 4,307,000 $ 159,518 $ 80,000
Hampton, Virginia 27 $ 4,442,000 $ 164,518 $ 78,000
Harris, Georgia 26 $ 5,233,000 $ 201,269 $ 78,000
Cook, Illinois 26 $ 20,487,000 $ 787,961 $ 168,000
Jones, Mississippi 26 $ 2,567,000 $ 98,730 $ 53,000
Hale, Alabama 25 $ 2,844,000 $ 113,760 $ 52,000
Whitfield, Georgia 25 $ 3,239,000 $ 129,560 $ 70,000
Lawrence, Alabama 24 $ 3,057,000 $ 127,375 $ 96,000
Ouachita, Louisiana 24 $ 1,987,000 $ 82,791 $ 48,000
Cheatham, Tennessee 24 $ 3,877,000 $ 161,541 $ 70,000
Hamblen, Tennessee 24 $ 2,647,000 $ 110,291 $ 60,000
Dallas, Alabama 23 $ 1,467,000 $ 63,782 $ 41,000
Madison, Mississippi 23 $ 4,384,000 $ 190,608 $ 81,000
Pearl River, Mississippi 23 $ 2,749,000 $ 119,521 $ 66,000
Le Flore, Oklahoma 23 $ 1,688,000 $ 73,391 $ 41,000
Washington, Tennessee 23 $ 3,138,000 $ 136,434 $ 54,000
Hillsborough, Florida 22 $ 3,600,000 $ 163,636 $ 79,000
Cherokee, Georgia 22 $ 3,748,000 $ 170,363 $ 68,000
Marion, Indiana 22 $ 2,411,000 $ 109,590 $ 58,000
La Salle, Louisiana 22 $ 2,623,000 $ 119,227 $ 67,000
Rockingham, North Carolina 22 $ 2,258,000 $ 102,636 $ 41,000
Oklahoma, Oklahoma 22 $ 3,359,000 $ 152,681 $ 90,000
Mississippi, Arkansas 21 $ 1,654,000 $ 78,761 $ 45,000
Okaloosa, Florida 21 $ 3,998,000 $ 190,380 $ 82,000
Richland, South Carolina 21 $ 2,915,000 $ 138,809 $ 62,000
Maury, Tennessee 21 $ 2,898,000 $ 138,000 $ 49,000
McMinn, Tennessee 21 $ 2,465,000 $ 117,380 $ 52,000
Roane, Tennessee 21 $ 2,725,000 $ 129,761 $ 59,000
Etowah, Alabama 20 $ 1,935,000 $ 96,750 $ 55,000
Greene, Arkansas 20 $ 1,289,000 $ 64,450 $ 40,000
Pontotoc, Mississippi 20 $ 1,644,000 $ 82,200 $ 40,000
Sunflower, Mississippi 20 $ 1,154,000 $ 57,700 $ 42,000
Duval, Florida 19 $ 3,332,000 $ 175,368 $ 70,000
Ascension, Louisiana 19 $ 3,426,000 $ 180,315 $ 79,000
Monroe, Mississippi 19 $ 1,551,000 $ 81,631 $ 44,000
Greenville, South Carolina 19 $ 10,437,000 $ 549,315 $ 54,000
Loudon, Tennessee 19 $ 2,662,000 $ 140,105 $ 55,000
Coryell, Texas 19 $ 2,287,000 $ 120,368 $ 53,000
Bibb, Alabama 18 $ 2,359,000 $ 131,055 $ 64,000
Franklin, Alabama 18 $ 1,845,000 $ 102,500 $ 51,000
Jackson, Alabama 18 $ 1,865,000 $ 103,611 $ 52,000
Hardin, Tennessee 18 $ 1,533,000 $ 85,166 $ 36,000
Tallapoosa, Alabama 17 $ 2,042,000 $ 120,117 $ 59,000
Forsyth, Georgia 17 $ 4,387,000 $ 258,058 $ 142,000
Jasper, Missouri 17 $ 1,091,000 $ 64,176 $ 32,000
Tipton, Tennessee 17 $ 2,435,000 $ 143,235 $ 58,000
Newport News, Virginia 17 $ 2,948,000 $ 173,411 $ 57,000
Pope, Arkansas 16 $ 1,395,000 $ 87,187 $ 48,000
Broward, Florida 16 $ 3,184,000 $ 199,000 $ 74,000
Troup, Georgia 16 $ 2,045,000 $ 127,812 $ 57,000
Beauregard, Louisiana 16 $ 1,638,000 $ 102,375 $ 63,000
Vernon, Louisiana 16 $ 1,184,000 $ 74,000 $ 53,000
Washington, Louisiana 16 $ 1,971,000 $ 123,187 $ 71,000
Anderson, Tennessee 16 $ 2,177,000 $ 136,062 $ 52,000
Marion, Tennessee 16 $ 1,717,000 $ 107,312 $ 51,000
Brazoria, Texas 16 $ 2,750,000 $ 171,875 $ 89,000
Henrico, Virginia 16 $ 20,286,000 $ 1,267,875 $ 106,000
Coffee, Alabama 15 $ 1,708,000 $ 113,866 $ 51,000
Crenshaw, Alabama 15 $ 1,678,000 $ 111,866 $ 52,000
Polk, Florida 15 $ 3,055,000 $ 203,666 $ 71,000
Upson, Georgia 15 $ 1,549,000 $ 103,266 $ 37,000
Pike, Mississippi 15 $ 1,662,000 $ 110,800 $ 63,000
Warren, Mississippi 15 $ 1,510,000 $ 100,666 $ 51,000
Canadian, Oklahoma 15 $ 2,408,000 $ 160,533 $ 91,000
Sullivan, Tennessee 15 $ 1,837,000 $ 122,466 $ 53,000
Yuma, Arizona 14 $ 2,277,000 $ 162,642 $ 49,000
Clayton, Georgia 14 $ 1,742,000 $ 124,428 $ 56,000
Lake, Indiana 14 $ 1,392,000 $ 99,428 $ 55,000
Hardin, Kentucky 14 $ 1,816,000 $ 129,714 $ 79,000
Catahoula, Louisiana 14 $ 1,039,000 $ 74,214 $ 51,000
Lafayette, Louisiana 14 $ 2,097,000 $ 149,785 $ 95,000
Terrebonne, Louisiana 14 $ 1,782,000 $ 127,285 $ 75,000
Marion, Mississippi 14 $ 1,092,000 $ 78,000 $ 48,000
Union, Mississippi 14 $ 1,768,000 $ 126,285 $ 53,000
Hawkins, Tennessee 14 $ 1,327,000 $ 94,785 $ 46,000
DeKalb, Alabama 13 $ 1,470,000 $ 113,076 $ 65,000
Poinsett, Arkansas 13 $ 951,000 $ 73,153 $ 48,000
Henry, Georgia 13 $ 2,319,000 $ 178,384 $ 66,000
Bossier, Louisiana 13 $ 1,653,000 $ 127,153 $ 60,000
Natchitoches, Louisiana 13 $ 1,454,000 $ 111,846 $ 63,000
Mecklenburg, North Carolina 13 $ 2,003,000 $ 154,076 $ 59,000
Chambers, Alabama 12 $ 938,000 $ 78,166 $ 47,000
Cherokee, Alabama 12 $ 1,891,000 $ 157,583 $ 61,000
Macon, Alabama 12 $ 1,127,000 $ 93,916 $ 49,000
Monroe, Alabama 12 $ 1,292,000 $ 107,666 $ 68,000
Hot Spring, Arkansas 12 $ 1,152,000 $ 96,000 $ 47,000
Jefferson, Arkansas 12 $ 1,101,000 $ 91,750 $ 51,000
Pasco, Florida 12 $ 2,517,000 $ 209,750 $ 85,000
Santa Rosa, Florida 12 $ 1,882,000 $ 156,833 $ 64,000
Bolivar, Mississippi 12 $ 1,081,000 $ 90,083 $ 58,000
Clay, Mississippi 12 $ 868,000 $ 72,333 $ 44,000
Oktibbeha, Mississippi 12 $ 1,018,000 $ 84,833 $ 37,000
Forsyth, North Carolina 12 $ 1,898,000 $ 158,166 $ 61,000
Dickson, Tennessee 12 $ 1,493,000 $ 124,416 $ 53,000
Jefferson, Tennessee 12 $ 1,438,000 $ 119,833 $ 54,000
Clarke, Alabama 11 $ 1,086,000 $ 98,727 $ 51,000
Escambia, Alabama 11 $ 1,077,000 $ 97,909 $ 47,000
Houston, Alabama 11 $ 1,543,000 $ 140,272 $ 59,000
Lowndes, Alabama 11 $ 1,257,000 $ 114,272 $ 47,000
Lonoke, Arkansas 11 $ 962,000 $ 87,454 $ 53,000
Saline, Arkansas 11 $ 1,308,000 $ 118,909 $ 56,000
White, Arkansas 11 $ 730,000 $ 66,363 $ 32,000
Pinellas, Florida 11 $ 2,355,000 $ 214,090 $ 129,000
Fayette, Georgia 11 $ 3,100,000 $ 281,818 $ 117,000
St. John the Baptist, Louisiana 11 $ 1,728,000 $ 157,090 $ 75,000
Tangipahoa, Louisiana 11 $ 1,242,000 $ 112,909 $ 51,000
Webster, Louisiana 11 $ 727,000 $ 66,090 $ 41,000
Chickasaw, Mississippi 11 $ 591,000 $ 53,727 $ 35,000
Hancock, Mississippi 11 $ 1,787,000 $ 162,454 $ 73,000
Tate, Mississippi 11 $ 1,242,000 $ 112,909 $ 54,000
McNairy, Tennessee 11 $ 917,000 $ 83,363 $ 35,000
Monroe, Tennessee 11 $ 1,316,000 $ 119,636 $ 58,000
Hidalgo, Texas 11 $ 1,534,000 $ 139,454 $ 126,000
Dale, Alabama 10 $ 1,031,000 $ 103,100 $ 50,000
Marion, Alabama 10 $ 1,233,000 $ 123,300 $ 59,000
Pike, Alabama 10 $ 1,236,000 $ 123,600 $ 81,000
Randolph, Alabama 10 $ 1,595,000 $ 159,500 $ 45,000
Logan, Arkansas 10 $ 768,000 $ 76,800 $ 48,000
Lee, Florida 10 $ 2,427,000 $ 242,700 $ 120,000
Barrow, Georgia 10 $ 1,287,000 $ 128,700 $ 55,000
Gordon, Georgia 10 $ 1,519,000 $ 151,900 $ 68,000
Hall, Georgia 10 $ 1,585,000 $ 158,500 $ 67,000
Meriwether, Georgia 10 $ 998,000 $ 99,800 $ 48,000
Newton, Georgia 10 $ 1,331,000 $ 133,100 $ 73,000
McHenry, Illinois 10 $ 1,881,000 $ 188,100 $ 83,000
Clark, Indiana 10 $ 1,778,000 $ 177,800 $ 84,000
Morehouse, Louisiana 10 $ 636,000 $ 63,600 $ 43,000
St. Martin, Louisiana 10 $ 1,360,000 $ 136,000 $ 62,000
Coahoma, Mississippi 10 $ 829,000 $ 82,900 $ 47,000
Copiah, Mississippi 10 $ 679,000 $ 67,900 $ 39,000
George, Mississippi 10 $ 1,097,000 $ 109,700 $ 62,000
Perry, Mississippi 10 $ 1,010,000 $ 101,000 $ 46,000
Washington, Mississippi 10 $ 871,000 $ 87,100 $ 45,000
Coffee, Tennessee 10 $ 1,147,000 $ 114,700 $ 38,000
Cumberland, Tennessee 10 $ 1,141,000 $ 114,100 $ 60,000
Dyer, Tennessee 10 $ 1,033,000 $ 103,300 $ 52,000
Gibson, Tennessee 10 $ 628,000 $ 62,800 $ 34,000
Henderson, Tennessee 10 $ 1,384,000 $ 138,400 $ 62,000
Rhea, Tennessee 10 $ 851,000 $ 85,100 $ 31,000
Dallas, Texas 10 $ 6,871,000 $ 687,100 $ 93,000
Coosa, Alabama 9 $ 1,356,000 $ 150,666 $ 91,000
Washington, Alabama 9 $ 662,000 $ 73,555 $ 44,000
Marion, Florida 9 $ 1,323,000 $ 147,000 $ 86,000
Dade, Georgia 9 $ 1,035,000 $ 115,000 $ 41,000
Effingham, Georgia 9 $ 1,378,000 $ 153,111 $ 60,000
Spalding, Georgia 9 $ 903,000 $ 100,333 $ 41,000
Warren, Kentucky 9 $ 868,000 $ 96,444 $ 58,000
Evangeline, Louisiana 9 $ 659,000 $ 73,222 $ 59,000
Leflore, Mississippi 9 $ 602,000 $ 66,888 $ 36,000
Lincoln, Mississippi 9 $ 771,000 $ 85,666 $ 49,000
Scott, Mississippi 9 $ 667,000 $ 74,111 $ 52,000
Wake, North Carolina 9 $ 1,923,000 $ 213,666 $ 129,000
Campbell, Tennessee 9 $ 1,054,000 $ 117,111 $ 46,000
Geneva, Alabama 8 $ 503,000 $ 62,875 $ 28,000
Leon, Florida 8 $ 1,015,000 $ 126,875 $ 81,000
Long, Georgia 8 $ 1,188,000 $ 148,500 $ 57,000
Paulding, Georgia 8 $ 1,192,000 $ 149,000 $ 60,000
Will, Illinois 8 $ 1,712,000 $ 214,000 $ 70,000
Shelby, Kentucky 8 $ 965,000 $ 120,625 $ 50,000
Covington, Mississippi 8 $ 492,000 $ 61,500 $ 38,000
Leake, Mississippi 8 $ 1,039,000 $ 129,875 $ 61,000
Marshall, Mississippi 8 $ 568,000 $ 71,000 $ 34,000
Simpson, Mississippi 8 $ 760,000 $ 95,000 $ 48,000
Stone, Mississippi 8 $ 637,000 $ 79,625 $ 41,000
Jackson, Missouri 8 $ 929,000 $ 116,125 $ 56,000
Horry, South Carolina 8 $ 1,795,000 $ 224,375 $ 119,000
Spartanburg, South Carolina 8 $ 938,000 $ 117,250 $ 149,000
Cocke, Tennessee 8 $ 1,282,000 $ 160,250 $ 72,000
Grainger, Tennessee 8 $ 1,204,000 $ 150,500 $ 58,000
Marshall, Tennessee 8 $ 919,000 $ 114,875 $ 39,000
Union, Tennessee 8 $ 760,000 $ 95,000 $ 65,000
Weakley, Tennessee 8 $ 987,000 $ 123,375 $ 65,000
Travis, Texas 8 $ 2,876,000 $ 359,500 $ 176,000
Hanover, Virginia 8 $ 1,307,000 $ 163,375 $ 57,000
Marengo, Alabama 7 $ 744,000 $ 106,285 $ 47,000
Pickens, Alabama 7 $ 365,000 $ 52,142 $ 33,000
Clay, Arkansas 7 $ 734,000 $ 104,857 $ 46,000
Cross, Arkansas 7 $ 379,000 $ 54,142 $ 32,000
Ouachita, Arkansas 7 $ 530,000 $ 75,714 $ 46,000
Randolph, Arkansas 7 $ 456,000 $ 65,142 $ 34,000
Miami-Dade, Florida 7 $ 2,887,000 $ 412,428 $ 130,000
Orange, Florida 7 $ 2,006,000 $ 286,571 $ 109,000
Douglas, Georgia 7 $ 1,103,000 $ 157,571 $ 56,000
Vanderburgh, Indiana 7 $ 961,000 $ 137,285 $ 70,000
Madison, Kentucky 7 $ 1,422,000 $ 203,142 $ 77,000
Scott, Kentucky 7 $ 1,021,000 $ 145,857 $ 74,000
Acadia, Louisiana 7 $ 665,000 $ 95,000 $ 52,000
Jasper, Mississippi 7 $ 976,000 $ 139,428 $ 63,000
Neshoba, Mississippi 7 $ 495,000 $ 70,714 $ 47,000
Panola, Mississippi 7 $ 573,000 $ 81,857 $ 53,000
Wayne, Mississippi 7 $ 769,000 $ 109,857 $ 52,000
Newton, Missouri 7 $ 448,000 $ 64,000 $ 25,000
St. Charles, Missouri 7 $ 814,000 $ 116,285 $ 51,000
Randolph, North Carolina 7 $ 753,000 $ 107,571 $ 60,000
Charleston, South Carolina 7 $ 1,121,000 $ 160,142 $ 65,000
Florence, South Carolina 7 $ 961,000 $ 137,285 $ 54,000
Decatur, Tennessee 7 $ 624,000 $ 89,142 $ 37,000
Franklin, Tennessee 7 $ 759,000 $ 108,428 $ 49,000
Warren, Tennessee 7 $ 536,000 $ 76,571 $ 41,000
White, Tennessee 7 $ 1,246,000 $ 178,000 $ 261,000
Bexar, Texas 7 $ 1,806,000 $ 258,000 $ 132,000
Tarrant, Texas 7 $ 1,280,000 $ 182,857 $ 115,000
Sumter, Alabama 6 $ 751,000 $ 125,166 $ 109,000
Winston, Alabama 6 $ 476,000 $ 79,333 $ 39,000
Ashley, Arkansas 6 $ 427,000 $ 71,166 $ 38,000
Cleburne, Arkansas 6 $ 624,000 $ 104,000 $ 61,000
Sharp, Arkansas 6 $ 697,000 $ 116,166 $ 53,000
Walton, Florida 6 $ 4,212,000 $ 702,000 $ 1,678,000
Bartow, Georgia 6 $ 792,000 $ 132,000 $ 60,000
Richmond, Georgia 6 $ 505,000 $ 84,166 $ 88,000
Walton, Georgia 6 $ 985,000 $ 164,166 $ 60,000
Lake, Illinois 6 $ 1,210,000 $ 201,666 $ 106,000
Anderson, Kentucky 6 $ 771,000 $ 128,500 $ 53,000
Bullitt, Kentucky 6 $ 782,000 $ 130,333 $ 40,000
Bienville, Louisiana 6 $ 381,000 $ 63,500 $ 31,000
Iberville, Louisiana 6 $ 695,000 $ 115,833 $ 38,000
St. Bernard, Louisiana 6 $ 691,000 $ 115,166 $ 76,000
St. Helena, Louisiana 6 $ 572,000 $ 95,333 $ 53,000
Vermilion, Louisiana 6 $ 687,000 $ 114,500 $ 53,000
Yazoo, Mississippi 6 $ 404,000 $ 67,333 $ 56,000
Marion, Missouri 6 $ 504,000 $ 84,000 $ 50,000
Alamance, North Carolina 6 $ 814,000 $ 135,666 $ 57,000
Cleveland, Oklahoma 6 $ 618,000 $ 103,000 $ 48,000
Beaufort, South Carolina 6 $ 1,381,000 $ 230,166 $ 76,000
Lexington, South Carolina 6 $ 685,000 $ 114,166 $ 88,000
Sumter, South Carolina 6 $ 523,000 $ 87,166 $ 47,000
Chester, Tennessee 6 $ 910,000 $ 151,666 $ 54,000
Greene, Tennessee 6 $ 942,000 $ 157,000 $ 57,000
Grundy, Tennessee 6 $ 527,000 $ 87,833 $ 45,000
Hickman, Tennessee 6 $ 525,000 $ 87,500 $ 51,000
Lawrence, Tennessee 6 $ 614,000 $ 102,333 $ 67,000
Overton, Tennessee 6 $ 946,000 $ 157,666 $ 50,000
Putnam, Tennessee 6 $ 714,000 $ 119,000 $ 60,000
Lampasas, Texas 6 $ 1,189,000 $ 198,166 $ 91,000
Chesterfield, Virginia 6 $ 1,228,000 $ 204,666 $ 78,000
Isle of Wight, Virginia 6 $ 1,538,000 $ 256,333 $ 48,000
Barbour, Alabama 5 $ 535,000 $ 107,000 $ 61,000
Butler, Alabama 5 $ 459,000 $ 91,800 $ 47,000
Clay, Alabama 5 $ 564,000 $ 112,800 $ 49,000
Fayette, Alabama 5 $ 359,000 $ 71,800 $ 27,000
Perry, Alabama 5 $ 290,000 $ 58,000 $ 45,000
Crittenden, Arkansas 5 $ 311,000 $ 62,200 $ 35,000
Howard, Arkansas 5 $ 328,000 $ 65,600 $ 35,000
Lawrence, Arkansas 5 $ 273,000 $ 54,600 $ 35,000
Miller, Arkansas 5 $ 445,000 $ 89,000 $ 55,000
Newton, Arkansas 5 $ 380,000 $ 76,000 $ 40,000
Highlands, Florida 5 $ 548,000 $ 109,600 $ 74,000
St. Lucie, Florida 5 $ 834,000 $ 166,800 $ 57,000
Carroll, Georgia 5 $ 769,000 $ 153,800 $ 50,000
Murray, Georgia 5 $ 683,000 $ 136,600 $ 49,000
Clark, Kentucky 5 $ 682,000 $ 136,400 $ 53,000
Hopkins, Kentucky 5 $ 365,000 $ 73,000 $ 44,000
Oldham, Kentucky 5 $ 1,225,000 $ 245,000 $ 179,000
Pike, Kentucky 5 $ 485,000 $ 97,000 $ 41,000
Lafourche, Louisiana 5 $ 649,000 $ 129,800 $ 71,000
Sabine, Louisiana 5 $ 339,000 $ 67,800 $ 48,000
St. James, Louisiana 5 $ 914,000 $ 182,800 $ 77,000
St. Landry, Louisiana 5 $ 515,000 $ 103,000 $ 57,000
Adams, Mississippi 5 $ 545,000 $ 109,000 $ 45,000
Alcorn, Mississippi 5 $ 365,000 $ 73,000 $ 31,000
Lafayette, Mississippi 5 $ 617,000 $ 123,400 $ 65,000
Newton, Mississippi 5 $ 450,000 $ 90,000 $ 46,000
Prentiss, Mississippi 5 $ 295,000 $ 59,000 $ 37,000
Tippah, Mississippi 5 $ 328,000 $ 65,600 $ 49,000
Tishomingo, Mississippi 5 $ 265,000 $ 53,000 $ 41,000
Walthall, Mississippi 5 $ 538,000 $ 107,600 $ 54,000
Greene, Missouri 5 $ 516,000 $ 103,200 $ 47,000
Buncombe, North Carolina 5 $ 990,000 $ 198,000 $ 104,000
Durham, North Carolina 5 $ 681,000 $ 136,200 $ 51,000
Moore, North Carolina 5 $ 718,000 $ 143,600 $ 55,000
Onslow, North Carolina 5 $ 527,000 $ 105,400 $ 69,000
Rowan, North Carolina 5 $ 597,000 $ 119,400 $ 45,000
Sampson, North Carolina 5 $ 1,018,000 $ 203,600 $ 57,000
Wayne, North Carolina 5 $ 677,000 $ 135,400 $ 46,000
Adair, Oklahoma 5 $ 415,000 $ 83,000 $ 30,000
Tulsa, Oklahoma 5 $ 620,000 $ 124,000 $ 57,000
Pickens, South Carolina 5 $ 730,000 $ 146,000 $ 44,000
Claiborne, Tennessee 5 $ 389,000 $ 77,800 $ 53,000
Fayette, Tennessee 5 $ 585,000 $ 117,000 $ 51,000
Haywood, Tennessee 5 $ 497,000 $ 99,400 $ 55,000
Lincoln, Tennessee 5 $ 406,000 $ 81,200 $ 41,000
McLennan, Texas 5 $ 466,000 $ 93,200 $ 44,000
Williamson, Texas 5 $ 1,561,000 $ 312,200 $ 209,000
Cleburne, Alabama 4 $ 350,000 $ 87,500 $ 53,000
Henry, Alabama 4 $ 432,000 $ 108,000 $ 81,000
Baxter, Arkansas 4 $ 566,000 $ 141,500 $ 77,000
Boone, Arkansas 4 $ 447,000 $ 111,750 $ 49,000
Conway, Arkansas 4 $ 239,000 $ 59,750 $ 42,000
Dallas, Arkansas 4 $ 396,000 $ 99,000 $ 37,000
Faulkner, Arkansas 4 $ 547,000 $ 136,750 $ 60,000
Grant, Arkansas 4 $ 319,000 $ 79,750 $ 36,000
Jackson, Arkansas 4 $ 152,000 $ 38,000 $ 26,000
Lincoln, Arkansas 4 $ 240,000 $ 60,000 $ 37,000
Little River, Arkansas 4 $ 300,000 $ 75,000 $ 35,000
Madison, Arkansas 4 $ 315,000 $ 78,750 $ 34,000
Union, Arkansas 4 $ 237,000 $ 59,250 $ 38,000
Brevard, Florida 4 $ 630,000 $ 157,500 $ 70,000
Lake, Florida 4 $ 903,000 $ 225,750 $ 90,000
Palm Beach, Florida 4 $ 1,846,000 $ 461,500 $ 189,000
Seminole, Florida 4 $ 899,000 $ 224,750 $ 73,000
Volusia, Florida 4 $ 781,000 $ 195,250 $ 59,000
Bibb, Georgia 4 $ 481,000 $ 120,250 $ 40,000
Chattooga, Georgia 4 $ 450,000 $ 112,500 $ 47,000
Houston, Georgia 4 $ 482,000 $ 120,500 $ 52,000
Harrison, Indiana 4 $ 613,000 $ 153,250 $ 61,000
Barren, Kentucky 4 $ 327,000 $ 81,750 $ 37,000
Floyd, Kentucky 4 $ 399,000 $ 99,750 $ 60,000
McCracken, Kentucky 4 $ 283,000 $ 70,750 $ 39,000
Caldwell, Louisiana 4 $ 299,000 $ 74,750 $ 39,000
Concordia, Louisiana 4 $ 327,000 $ 81,750 $ 48,000
De Soto, Louisiana 4 $ 589,000 $ 147,250 $ 121,000
East Feliciana, Louisiana 4 $ 512,000 $ 128,000 $ 42,000
Franklin, Louisiana 4 $ 464,000 $ 116,000 $ 65,000
Richland, Louisiana 4 $ 139,000 $ 34,750 $ 23,000
St. Charles, Louisiana 4 $ 495,000 $ 123,750 $ 67,000
St. Mary, Louisiana 4 $ 348,000 $ 87,000 $ 39,000
Union, Louisiana 4 $ 274,000 $ 68,500 $ 50,000
West Baton Rouge, Louisiana 4 $ 620,000 $ 155,000 $ 68,000
Winn, Louisiana 4 $ 297,000 $ 74,250 $ 45,000
Attala, Mississippi 4 $ 237,000 $ 59,250 $ 45,000
Benton, Mississippi 4 $ 254,000 $ 63,500 $ 48,000
Choctaw, Mississippi 4 $ 308,000 $ 77,000 $ 56,000
Clarke, Mississippi 4 $ 580,000 $ 145,000 $ 54,000
Holmes, Mississippi 4 $ 257,000 $ 64,250 $ 37,000
Smith, Mississippi 4 $ 216,000 $ 54,000 $ 38,000
Winston, Mississippi 4 $ 621,000 $ 155,250 $ 92,000
Barry, Missouri 4 $ 463,000 $ 115,750 $ 55,000
Dunklin, Missouri 4 $ 229,000 $ 57,250 $ 34,000
Lawrence, Missouri 4 $ 239,000 $ 59,750 $ 59,000
Shannon, Missouri 4 $ 263,000 $ 65,750 $ 28,000
Taney, Missouri 4 $ 361,000 $ 90,250 $ 38,000
Currituck, North Carolina 4 $ 923,000 $ 230,750 $ 99,000
Pitt, North Carolina 4 $ 542,000 $ 135,500 $ 63,000
Robeson, North Carolina 4 $ 407,000 $ 101,750 $ 41,000
Anderson, South Carolina 4 $ 653,000 $ 163,250 $ 81,000
Georgetown, South Carolina 4 $ 544,000 $ 136,000 $ 71,000
Carter, Tennessee 4 $ 589,000 $ 147,250 $ 57,000
DeKalb, Tennessee 4 $ 556,000 $ 139,000 $ 57,000
Hardeman, Tennessee 4 $ 413,000 $ 103,250 $ 59,000
Scott, Tennessee 4 $ 372,000 $ 93,000 $ 43,000
Hays, Texas 4 $ 722,000 $ 180,500 $ 76,000
Chesapeake, Virginia 4 $ 956,000 $ 239,000 $ 81,000
Norfolk, Virginia 4 $ 642,000 $ 160,500 $ 50,000
Virginia Beach, Virginia 4 $ 621,000 $ 155,250 $ 96,000
Choctaw, Alabama 3 $ 384,000 $ 128,000 $ 57,000
Wilcox, Alabama 3 $ 316,000 $ 105,333 $ 59,000
Columbia, Arkansas 3 $ 168,000 $ 56,000 $ 36,000
Johnson, Arkansas 3 $ 137,000 $ 45,666 $ 45,000
Polk, Arkansas 3 $ 139,000 $ 46,333 $ 24,000
St. Francis, Arkansas 3 $ 210,000 $ 70,000 $ 191,000
Charlotte, Florida 3 $ 707,000 $ 235,666 $ 128,000
Clay, Florida 3 $ 648,000 $ 216,000 $ 65,000
Collier, Florida 3 $ 1,135,000 $ 378,333 $ 129,000
DeSoto, Florida 3 $ 343,000 $ 114,333 $ 80,000
Franklin, Florida 3 $ 1,273,000 $ 424,333 $ 35,000
Jackson, Florida 3 $ 277,000 $ 92,333 $ 44,000
Osceola, Florida 3 $ 680,000 $ 226,666 $ 251,000
Putnam, Florida 3 $ 320,000 $ 106,666 $ 54,000
Bryan, Georgia 3 $ 541,000 $ 180,333 $ 68,000
Bulloch, Georgia 3 $ 522,000 $ 174,000 $ 50,000
Butts, Georgia 3 $ 230,000 $ 76,666 $ 39,000
Columbia, Georgia 3 $ 616,000 $ 205,333 $ 57,000
Lamar, Georgia 3 $ 280,000 $ 93,333 $ 41,000
Polk, Georgia 3 $ 281,000 $ 93,666 $ 47,000
Boone, Illinois 3 $ 672,000 $ 224,000 $ 85,000
Allen, Indiana 3 $ 457,000 $ 152,333 $ 52,000
Clinton, Indiana 3 $ 348,000 $ 116,000 $ 63,000
Elkhart, Indiana 3 $ 319,000 $ 106,333 $ 73,000
Floyd, Indiana 3 $ 560,000 $ 186,666 $ 66,000
Putnam, Indiana 3 $ 321,000 $ 107,000 $ 52,000
Tippecanoe, Indiana 3 $ 260,000 $ 86,666 $ 109,000
Vigo, Indiana 3 $ 340,000 $ 113,333 $ 58,000
Washington, Indiana 3 $ 228,000 $ 76,000 $ 45,000
Allen, Kentucky 3 $ 231,000 $ 77,000 $ 36,000
Breckinridge, Kentucky 3 $ 219,000 $ 73,000 $ 29,000
Clay, Kentucky 3 $ 178,000 $ 59,333 $ 41,000
Graves, Kentucky 3 $ 276,000 $ 92,000 $ 57,000
Greenup, Kentucky 3 $ 256,000 $ 85,333 $ 50,000
Jessamine, Kentucky 3 $ 320,000 $ 106,666 $ 35,000
Muhlenberg, Kentucky 3 $ 259,000 $ 86,333 $ 56,000
Nelson, Kentucky 3 $ 372,000 $ 124,000 $ 66,000
Iberia, Louisiana 3 $ 203,000 $ 67,666 $ 58,000
Baltimore City, Maryland 3 $ 819,000 $ 273,000 $ 113,000
Prince George's, Maryland 3 $ 627,000 $ 209,000 $ 73,000
Claiborne, Mississippi 3 $ 457,000 $ 152,333 $ 104,000
Greene, Mississippi 3 $ 213,000 $ 71,000 $ 44,000
Itawamba, Mississippi 3 $ 190,000 $ 63,333 $ 37,000
Lawrence, Mississippi 3 $ 126,000 $ 42,000 $ 22,000
Cass, Missouri 3 $ 387,000 $ 129,000 $ 53,000
Franklin, Missouri 3 $ 348,000 $ 116,000 $ 44,000
McDonald, Missouri 3 $ 245,000 $ 81,666 $ 49,000
St. Francois, Missouri 3 $ 642,000 $ 214,000 $ 81,000
Dare, North Carolina 3 $ 404,000 $ 134,666 $ 67,000
Davidson, North Carolina 3 $ 467,000 $ 155,666 $ 55,000
Duplin, North Carolina 3 $ 278,000 $ 92,666 $ 33,000
Orange, North Carolina 3 $ 544,000 $ 181,333 $ 54,000
Stokes, North Carolina 3 $ 345,000 $ 115,000 $ 69,000
Surry, North Carolina 3 $ 193,000 $ 64,333 $ 52,000
Watauga, North Carolina 3 $ 402,000 $ 134,000 $ 119,000
Berkeley, South Carolina 3 $ 436,000 $ 145,333 $ 56,000
Fairfield, South Carolina 3 $ 340,000 $ 113,333 $ 70,000
Lancaster, South Carolina 3 $ 420,000 $ 140,000 $ 52,000
Oconee, South Carolina 3 $ 603,000 $ 201,000 $ 150,000
Carroll, Tennessee 3 $ 279,000 $ 93,000 $ 33,000
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Mortgage Loan Application Detail Totals for New South Federal Savings Bank in 2007

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 8,204 $1,121,660,000 $136,000 $17,693,000 $60,000 $1,503,000
Refinancing 6,703 $831,206,000 $124,000 $3,190,000 $60,000 $9,534,000
Home Improvement 347 $40,921,000 $117,000 $750,000 $59,000 $288,000

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 9,791 $1,316,816,000 $134,000 $3,190,000 $65,000 $9,534,000
Black or African American 4,454 $479,688,000 $107,000 $1,600,000 $49,000 $1,503,000
Hispanic 440 $64,556,000 $146,000 $646,000 $65,000 $727,000
Not Provided 355 $43,686,000 $123,000 $975,000 $52,000 $420,000
Asian 148 $24,945,000 $168,000 $451,000 $82,000 $300,000
American Indian or Alaskan Native 43 $5,122,000 $119,000 $318,000 $50,000 $160,000
Native Hawaiian or Other Pacific Islander 17 $2,321,000 $136,000 $270,000 $121,000 $680,000
Not applicable 6 $56,653,000 $9,442,000 $17,693,000 $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) 11,876 $1,591,860,000 $134,000 $17,693,000 $64,000 $9,534,000
FHA-insured (Federal Housing Administration) 2,693 $295,415,000 $109,000 $295,000 $44,000 $627,000
VA-guaranteed (Veterans Administration) 653 $102,785,000 $157,000 $426,000 $59,000 $288,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 32 $3,727,000 $116,000 $192,000 $38,000 $72,000

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 5,721 $774,394,000 $135,000 $14,000,000 $63,000 $9,534,000
Application Denied By Financial Institution 3,359 $440,711,000 $131,000 $1,600,000 $59,000 $1,092,000
File Closed For Incompleteness 2,434 $295,269,000 $121,000 $1,200,000 $62,000 $2,400,000
Preapproval Denied by Financial Institution 1,673 $174,222,000 $104,000 $665,000 $42,000 $1,503,000
Loan Purchased By The Institution 853 $110,692,000 $129,000 $750,000 $74,000 $547,000
Preapproval Approved but not Accepted 562 $79,157,000 $140,000 $600,000 $55,000 $678,000
Application Approved But Not Accepted 471 $71,466,000 $151,000 $1,040,000 $70,000 $727,000
Application Withdrawn By Applicant 181 $47,876,000 $264,000 $17,693,000 $75,000 $902,000

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 3,399 $381,427,000 $112,000 $1,600,000 $51,000 $1,503,000
Debt-To-Income Ratio 1,042 $143,460,000 $137,000 $640,000 $45,000 $360,000
Collateral 239 $39,157,000 $163,000 $1,214,000 $84,000 $812,000
Unverifiable Information 109 $19,036,000 $174,000 $825,000 $86,000 $510,000
Other 89 $12,691,000 $142,000 $608,000 $85,000 $680,000
Employment History 77 $9,357,000 $121,000 $563,000 $55,000 $180,000
Insufficient Cash (Downpayment, Closing Cost) 52 $5,374,000 $103,000 $417,000 $49,000 $150,000
Credit Application Incomplete 20 $3,451,000 $172,000 $770,000 $62,000 $216,000
Mortgage Insurance Denied 5 $980,000 $196,000 $264,000 $168,000 $540,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into New South Federal Savings Bank's 2007 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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