National Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
National Bank Of Commerce 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | National Bank Of Commerce 813 Shades Creek Parkway Suite 100 Birmingham, AL 35209 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 1,438 |
| Total Mortgage Loan Application Amount | $368,531,000 |
| Average Mortgage Loan Application Amount | $197,666 |
| Highest Mortgage Loan Application Amount | $3,512,000 |
| Average Applicant Income | $135,333 |
| Highest Applicant Income | $2,768,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with National Bank Of Commerce. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing National Bank Of Commerce's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down National Bank Of Commerce's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how National Bank Of Commerce serves its applicants.
Each category highlights the total number of mortgage applications processed by National Bank Of Commerce, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at National Bank Of Commerce's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baldwin County Alabama | 416 | $ 103,152,000 | $ 247,000 | $ 158,000 |
| Jefferson County Alabama | 213 | $ 58,808,000 | $ 276,000 | $ 135,000 |
| Madison County Alabama | 130 | $ 29,747,000 | $ 228,000 | $ 115,000 |
| Lee County Alabama | 114 | $ 20,026,000 | $ 175,000 | $ 103,000 |
| Indian River County Florida | 86 | $ 22,152,000 | $ 257,000 | $ 123,000 |
| Escambia County Florida | 70 | $ 19,052,000 | $ 272,000 | $ 195,000 |
| Shelby County Alabama | 68 | $ 15,132,000 | $ 222,000 | $ 109,000 |
| St. Johns County Florida | 59 | $ 15,195,000 | $ 257,000 | $ 78,000 |
| Orange County Florida | 57 | $ 24,998,000 | $ 438,000 | $ 219,000 |
| Volusia County Florida | 36 | $ 10,071,000 | $ 279,000 | $ 146,000 |
| Seminole County Florida | 33 | $ 9,048,000 | $ 274,000 | $ 143,000 |
| Limestone County Alabama | 20 | $ 4,148,000 | $ 207,000 | $ 102,000 |
| Walton County Florida | 11 | $ 3,686,000 | $ 335,000 | $ 188,000 |
| Tallapoosa County Alabama | 8 | $ 2,738,000 | $ 342,000 | $ 166,000 |
| Mobile County Alabama | 7 | $ 1,690,000 | $ 241,000 | $ 218,000 |
| St. Clair County Alabama | 7 | $ 1,166,000 | $ 166,000 | $ 123,000 |
| Brevard County Florida | 7 | $ 2,526,000 | $ 360,000 | $ 181,000 |
| Flagler County Florida | 7 | $ 3,022,000 | $ 431,000 | $ 102,000 |
| Morgan County Alabama | 6 | $ 1,390,000 | $ 231,000 | $ 97,000 |
| St. Lucie County Florida | 6 | $ 1,223,000 | $ 203,000 | $ 174,000 |
| Tuscaloosa County Alabama | 5 | $ 743,000 | $ 148,000 | $ 133,000 |
| Bay County Florida | 5 | $ 1,045,000 | $ 209,000 | $ 100,000 |
| Hillsborough County Florida | 4 | $ 1,086,000 | $ 271,000 | $ 89,000 |
| Lake County Florida | 4 | $ 861,000 | $ 215,000 | $ 103,000 |
| Blount County Alabama | 3 | $ 1,046,000 | $ 348,000 | $ 114,000 |
| Chilton County Alabama | 3 | $ 752,000 | $ 250,000 | $ 142,000 |
| Montgomery County Alabama | 3 | $ 2,713,000 | $ 904,000 | $ 117,000 |
| Talladega County Alabama | 3 | $ 568,000 | $ 189,000 | $ 161,000 |
| Osceola County Florida | 3 | $ 632,000 | $ 210,000 | $ 231,000 |
| Elmore County Alabama | 2 | $ 179,000 | $ 89,000 | $ 42,000 |
| Duval County Florida | 2 | $ 543,000 | $ 271,000 | $ 75,000 |
| Okaloosa County Florida | 2 | $ 517,000 | $ 258,000 | $ 210,000 |
| Autauga County Alabama | 1 | $ 96,000 | $ 96,000 | $ 32,000 |
| Bibb County Alabama | 1 | $ 260,000 | $ 260,000 | $ 99,000 |
| Chambers County Alabama | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Houston County Alabama | 1 | $ 97,000 | $ 97,000 | $ 128,000 |
| Jackson County Alabama | 1 | $ 112,000 | $ 112,000 | $ 60,000 |
| Lawrence County Alabama | 1 | $ 465,000 | $ 465,000 | $ 155,000 |
| Macon County Alabama | 1 | $ 72,000 | $ 72,000 | $ 34,000 |
| Russell County Alabama | 1 | $ 28,000 | $ 28,000 | $ 110,000 |
| Alachua County Florida | 1 | $ 50,000 | $ 50,000 | $ 94,000 |
| Broward County Florida | 1 | $ 290,000 | $ 290,000 | $ 1,671,000 |
| Charlotte County Florida | 1 | $ 184,000 | $ 184,000 | $ 96,000 |
| Citrus County Florida | 1 | $ 56,000 | $ 56,000 | $ 65,000 |
| Martin County Florida | 1 | $ 186,000 | $ 186,000 | $ 59,000 |
| Miami-Dade County Florida | 1 | $ 417,000 | $ 417,000 | $ 251,000 |
| Pasco County Florida | 1 | $ 417,000 | $ 417,000 | $ 238,000 |
| Santa Rosa County Florida | 1 | $ 92,000 | $ 92,000 | $ 174,000 |
| Chatham County Georgia | 1 | $ 600,000 | $ 600,000 | $ 960,000 |
| DeKalb County Georgia | 1 | $ 344,000 | $ 344,000 | $ 82,000 |
| Harris County Georgia | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Warrick County Indiana | 1 | $ 290,000 | $ 290,000 | $ 80,000 |
| Jefferson County Kentucky | 1 | $ 56,000 | $ 56,000 | $ 124,000 |
| Jefferson County Louisiana | 1 | $ 132,000 | $ 132,000 | $ 45,000 |
| Bristol County Massachusetts | 1 | $ 246,000 | $ 246,000 | $ 125,000 |
| Madison County Mississippi | 1 | $ 386,000 | $ 386,000 | $ 351,000 |
| Haywood County North Carolina | 1 | $ 196,000 | $ 196,000 | $ 442,000 |
| Henderson County North Carolina | 1 | $ 256,000 | $ 256,000 | $ 260,000 |
| Jackson County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 157,000 |
| Pitt County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 111,000 |
| Lawrence County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 459,000 |
| Washington County Rhode Island | 1 | $ 281,000 | $ 281,000 | $ 750,000 |
| Davidson County Tennessee | 1 | $ 272,000 | $ 272,000 | $ 50,000 |
| Johnson County Tennessee | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Lincoln County Tennessee | 1 | $ 302,000 | $ 302,000 | $ 147,000 |
| Sevier County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 209,000 |
| Tarrant County Texas | 1 | $ 310,000 | $ 310,000 | $ 94,000 |
| Travis County Texas | 1 | $ 245,000 | $ 245,000 | $ 232,000 |
| Campbell County Wyoming | 1 | $ 240,000 | $ 240,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for National Bank Of Commerce in 2016
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 | 1,070 | $262,525,000 | $245,000 | $2,000,000 | $138,000 | $1,671,000 |
| Refinancing | 361 | $105,613,000 | $292,000 | $3,512,000 | $153,000 | $2,768,000 |
| Home Improvement | 7 | $393,000 | $56,000 | $192,000 | $115,000 | $297,000 |
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 | 1,025 | $267,429,000 | $260,000 | $3,512,000 | $152,000 | $2,768,000 |
| Not Provided | 261 | $67,548,000 | $258,000 | $1,940,000 | $161,000 | $1,362,000 |
| Not applicable | 78 | $19,365,000 | $248,000 | $2,380,000 | $0 | $0 |
| Black or African American | 28 | $4,646,000 | $165,000 | $417,000 | $76,000 | $251,000 |
| Asian | 22 | $4,699,000 | $213,000 | $661,000 | $86,000 | $247,000 |
| Hispanic | 17 | $3,068,000 | $180,000 | $474,000 | $86,000 | $232,000 |
| American Indian or Alaskan Native | 4 | $1,321,000 | $330,000 | $417,000 | $113,000 | $259,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $455,000 | $151,000 | $219,000 | $184,000 | $466,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,383 | $358,496,000 | $259,000 | $3,512,000 | $145,000 | $2,768,000 |
| FHA-insured (Federal Housing Administration) | 31 | $5,758,000 | $185,000 | $276,000 | $66,000 | $187,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,453,000 | $215,000 | $403,000 | $75,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $824,000 | $103,000 | $130,000 | $43,000 | $73,000 |
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 | 1,120 | $278,058,000 | $248,000 | $2,380,000 | $142,000 | $2,768,000 |
| Application Denied By Financial Institution | 187 | $54,601,000 | $291,000 | $3,512,000 | $134,000 | $1,046,000 |
| Application Withdrawn By Applicant | 97 | $26,540,000 | $273,000 | $1,000,000 | $151,000 | $1,430,000 |
| Application Approved But Not Accepted | 34 | $9,332,000 | $274,000 | $1,940,000 | $166,000 | $1,085,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 Application Incomplete | 90 | $24,986,000 | $277,000 | $1,600,000 | $148,000 | $960,000 |
| Credit History | 29 | $11,273,000 | $388,000 | $3,512,000 | $133,000 | $1,046,000 |
| Collateral | 28 | $8,853,000 | $316,000 | $1,500,000 | $148,000 | $820,000 |
| Debt-To-Income Ratio | 26 | $6,094,000 | $234,000 | $560,000 | $63,000 | $236,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,143,000 | $163,000 | $293,000 | $119,000 | $295,000 |
| Other | 4 | $1,470,000 | $367,000 | $660,000 | $157,000 | $350,000 |
| Employment History | 3 | $782,000 | $260,000 | $417,000 | $190,000 | $469,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Bank Of Commerce's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess National Bank Of Commerce's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.