National Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
National Bank Of Commerce 2018 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 | 2,754 |
| Total Mortgage Loan Application Amount | $752,370,000 |
| Average Mortgage Loan Application Amount | $286,000 |
| Highest Mortgage Loan Application Amount | $3,225,000 |
| Average Applicant Income | $286,333 |
| Highest Applicant Income | $4,618,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 372 | $ 95,680,000 | $ 257,000 | $ 172,000 |
| Madison County Alabama | 345 | $ 93,295,000 | $ 270,000 | $ 141,000 |
| Jefferson County Alabama | 214 | $ 60,560,000 | $ 282,000 | $ 164,000 |
| Fulton County Georgia | 206 | $ 77,170,000 | $ 374,000 | $ 251,000 |
| St. Johns County Florida | 139 | $ 39,685,000 | $ 285,000 | $ 176,000 |
| Lee County Alabama | 134 | $ 25,370,000 | $ 189,000 | $ 107,000 |
| DeKalb County Georgia | 121 | $ 37,885,000 | $ 313,000 | $ 214,000 |
| Indian River County Florida | 105 | $ 23,455,000 | $ 223,000 | $ 148,000 |
| Volusia County Florida | 74 | $ 17,980,000 | $ 242,000 | $ 206,000 |
| Cobb County Georgia | 74 | $ 25,940,000 | $ 350,000 | $ 207,000 |
| Limestone County Alabama | 64 | $ 17,290,000 | $ 270,000 | $ 125,000 |
| Shelby County Alabama | 60 | $ 12,490,000 | $ 208,000 | $ 116,000 |
| Orange County Florida | 58 | $ 21,550,000 | $ 371,000 | $ 413,000 |
| Gwinnett County Georgia | 58 | $ 12,920,000 | $ 222,000 | $ 131,000 |
| Duval County Florida | 52 | $ 15,990,000 | $ 307,000 | $ 178,000 |
| Escambia County Florida | 51 | $ 16,265,000 | $ 318,000 | $ 255,000 |
| Seminole County Florida | 37 | $ 7,185,000 | $ 194,000 | $ 175,000 |
| Lake County Florida | 25 | $ 4,105,000 | $ 164,000 | $ 99,000 |
| Pinellas County Florida | 24 | $ 8,080,000 | $ 336,000 | $ 320,000 |
| Cherokee County Georgia | 22 | $ 4,180,000 | $ 190,000 | $ 95,000 |
| Clay County Florida | 20 | $ 3,560,000 | $ 178,000 | $ 122,000 |
| Floyd County Georgia | 18 | $ 2,600,000 | $ 144,000 | $ 70,000 |
| Morgan County Alabama | 17 | $ 3,655,000 | $ 215,000 | $ 108,000 |
| Flagler County Florida | 15 | $ 3,945,000 | $ 263,000 | $ 106,000 |
| Forsyth County Georgia | 15 | $ 2,875,000 | $ 191,000 | $ 154,000 |
| Paulding County Georgia | 15 | $ 2,605,000 | $ 173,000 | $ 58,000 |
| Tallapoosa County Alabama | 12 | $ 2,220,000 | $ 185,000 | $ 277,000 |
| Fayette County Georgia | 11 | $ 1,795,000 | $ 163,000 | $ 98,000 |
| Pasco County Florida | 10 | $ 1,690,000 | $ 169,000 | $ 88,000 |
| Bartow County Georgia | 10 | $ 2,570,000 | $ 257,000 | $ 123,000 |
| Marshall County Alabama | 9 | $ 2,385,000 | $ 265,000 | $ 135,000 |
| Osceola County Florida | 9 | $ 2,325,000 | $ 258,000 | $ 217,000 |
| Chatham County Georgia | 8 | $ 1,300,000 | $ 162,000 | $ 62,000 |
| Douglas County Georgia | 8 | $ 1,410,000 | $ 176,000 | $ 76,000 |
| Mobile County Alabama | 7 | $ 1,165,000 | $ 166,000 | $ 112,000 |
| Manatee County Florida | 7 | $ 1,665,000 | $ 237,000 | $ 195,000 |
| Palm Beach County Florida | 7 | $ 2,065,000 | $ 295,000 | $ 139,000 |
| Hall County Georgia | 7 | $ 2,545,000 | $ 363,000 | $ 151,000 |
| Davidson County Tennessee | 7 | $ 1,885,000 | $ 269,000 | $ 136,000 |
| Lauderdale County Alabama | 6 | $ 1,980,000 | $ 330,000 | $ 124,000 |
| Lee County Florida | 6 | $ 1,520,000 | $ 253,000 | $ 90,000 |
| Walton County Florida | 6 | $ 2,790,000 | $ 465,000 | $ 609,000 |
| Clayton County Georgia | 6 | $ 820,000 | $ 136,000 | $ 57,000 |
| Henry County Georgia | 6 | $ 1,520,000 | $ 253,000 | $ 148,000 |
| Polk County Georgia | 6 | $ 790,000 | $ 131,000 | $ 65,000 |
| Chambers County Alabama | 5 | $ 575,000 | $ 115,000 | $ 32,000 |
| Jackson County Alabama | 5 | $ 1,265,000 | $ 253,000 | $ 128,000 |
| St. Clair County Alabama | 5 | $ 905,000 | $ 181,000 | $ 223,000 |
| Putnam County Florida | 5 | $ 875,000 | $ 175,000 | $ 94,000 |
| St. Lucie County Florida | 5 | $ 835,000 | $ 167,000 | $ 90,000 |
| Lincoln County Tennessee | 5 | $ 775,000 | $ 155,000 | $ 89,000 |
| Tuscaloosa County Alabama | 4 | $ 830,000 | $ 207,000 | $ 87,000 |
| Bay County Florida | 4 | $ 1,910,000 | $ 477,000 | $ 286,000 |
| Brevard County Florida | 4 | $ 460,000 | $ 115,000 | $ 242,000 |
| Barrow County Georgia | 4 | $ 620,000 | $ 155,000 | $ 72,000 |
| Beaufort County South Carolina | 4 | $ 2,260,000 | $ 565,000 | $ 370,000 |
| Cherokee County Alabama | 3 | $ 705,000 | $ 235,000 | $ 113,000 |
| Montgomery County Alabama | 3 | $ 805,000 | $ 268,000 | $ 110,000 |
| Broward County Florida | 3 | $ 1,765,000 | $ 588,000 | $ 581,000 |
| Hillsborough County Florida | 3 | $ 1,315,000 | $ 438,000 | $ 439,000 |
| Carroll County Georgia | 3 | $ 415,000 | $ 138,000 | $ 88,000 |
| Gordon County Georgia | 3 | $ 525,000 | $ 175,000 | $ 69,000 |
| Newton County Georgia | 3 | $ 345,000 | $ 115,000 | $ 72,000 |
| Rockdale County Georgia | 3 | $ 595,000 | $ 198,000 | $ 72,000 |
| Spalding County Georgia | 3 | $ 515,000 | $ 171,000 | $ 40,000 |
| Walton County Georgia | 3 | $ 545,000 | $ 181,000 | $ 134,000 |
| Cook County Illinois | 3 | $ 775,000 | $ 258,000 | $ 137,000 |
| Georgetown County South Carolina | 3 | $ 555,000 | $ 185,000 | $ 153,000 |
| Spartanburg County South Carolina | 3 | $ 495,000 | $ 165,000 | $ 67,000 |
| Collin County Texas | 3 | $ 1,305,000 | $ 435,000 | $ 288,000 |
| Barbour County Alabama | 2 | $ 180,000 | $ 90,000 | $ 97,000 |
| Blount County Alabama | 2 | $ 350,000 | $ 175,000 | $ 64,000 |
| Cullman County Alabama | 2 | $ 220,000 | $ 110,000 | $ 297,000 |
| Dallas County Alabama | 2 | $ 270,000 | $ 135,000 | $ 263,000 |
| Talladega County Alabama | 2 | $ 2,610,000 | $ 1,305,000 | $ 149,000 |
| Alachua County Florida | 2 | $ 210,000 | $ 105,000 | $ 268,000 |
| Leon County Florida | 2 | $ 690,000 | $ 345,000 | $ 153,000 |
| Miami-Dade County Florida | 2 | $ 540,000 | $ 270,000 | $ 137,000 |
| Nassau County Florida | 2 | $ 640,000 | $ 320,000 | $ 194,000 |
| Okaloosa County Florida | 2 | $ 580,000 | $ 290,000 | $ 194,000 |
| Sarasota County Florida | 2 | $ 750,000 | $ 375,000 | $ 137,000 |
| Sumter County Florida | 2 | $ 250,000 | $ 125,000 | $ 17,000 |
| Bryan County Georgia | 2 | $ 1,760,000 | $ 880,000 | $ 361,000 |
| Coweta County Georgia | 2 | $ 650,000 | $ 325,000 | $ 183,000 |
| Effingham County Georgia | 2 | $ 230,000 | $ 115,000 | $ 53,000 |
| Fannin County Georgia | 2 | $ 490,000 | $ 245,000 | $ 362,000 |
| Greene County Georgia | 2 | $ 810,000 | $ 405,000 | $ 200,000 |
| Putnam County Georgia | 2 | $ 660,000 | $ 330,000 | $ 271,000 |
| Richmond County Georgia | 2 | $ 360,000 | $ 180,000 | $ 78,000 |
| Marion County Indiana | 2 | $ 240,000 | $ 120,000 | $ 47,000 |
| Jackson County Mississippi | 2 | $ 400,000 | $ 200,000 | $ 105,000 |
| Jackson County North Carolina | 2 | $ 840,000 | $ 420,000 | $ 535,000 |
| Macon County North Carolina | 2 | $ 1,100,000 | $ 550,000 | $ 225,000 |
| Lake County Ohio | 2 | $ 430,000 | $ 215,000 | $ 80,000 |
| Rutherford County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 94,000 |
| Shelby County Tennessee | 2 | $ 270,000 | $ 135,000 | $ 128,000 |
| Sullivan County Tennessee | 2 | $ 530,000 | $ 265,000 | $ 317,000 |
| Dallas County Texas | 2 | $ 1,590,000 | $ 795,000 | $ 336,000 |
| Pend Oreille County Washington | 2 | $ 550,000 | $ 275,000 | $ 351,000 |
| Autauga County Alabama | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Bibb County Alabama | 1 | $ 385,000 | $ 385,000 | $ 122,000 |
| Calhoun County Alabama | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Colbert County Alabama | 1 | $ 285,000 | $ 285,000 | $ 169,000 |
| DeKalb County Alabama | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Escambia County Alabama | 1 | $ 235,000 | $ 235,000 | $ 149,000 |
| Fayette County Alabama | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Lawrence County Alabama | 1 | $ 425,000 | $ 425,000 | $ 482,000 |
| Macon County Alabama | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Pike County Alabama | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Russell County Alabama | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Walker County Alabama | 1 | $ 195,000 | $ 195,000 | $ 149,000 |
| Winston County Alabama | 1 | $ 395,000 | $ 395,000 | $ 321,000 |
| Cochise County Arizona | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Maricopa County Arizona | 1 | $ 295,000 | $ 295,000 | $ 50,000 |
| Placer County California | 1 | $ 515,000 | $ 515,000 | $ 302,000 |
| Riverside County California | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| San Diego County California | 1 | $ 925,000 | $ 925,000 | $ 238,000 |
| Ventura County California | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Boulder County Colorado | 1 | $ 295,000 | $ 295,000 | $ 2,767,000 |
| Denver County Colorado | 1 | $ 305,000 | $ 305,000 | $ 37,000 |
| El Paso County Colorado | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| San Miguel County Colorado | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Weld County Colorado | 1 | $ 385,000 | $ 385,000 | $ 99,000 |
| Windham County Connecticut | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Citrus County Florida | 1 | $ 375,000 | $ 375,000 | $ 313,000 |
| Collier County Florida | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Gulf County Florida | 1 | $ 655,000 | $ 655,000 | $ 174,000 |
| Marion County Florida | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Martin County Florida | 1 | $ 295,000 | $ 295,000 | $ 164,000 |
| Monroe County Florida | 1 | $ 455,000 | $ 455,000 | $ 251,000 |
| Santa Rosa County Florida | 1 | $ 395,000 | $ 395,000 | $ 173,000 |
| Baldwin County Georgia | 1 | $ 255,000 | $ 255,000 | $ 132,000 |
| Banks County Georgia | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Bulloch County Georgia | 1 | $ 295,000 | $ 295,000 | $ 60,000 |
| Chattooga County Georgia | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Clarke County Georgia | 1 | $ 365,000 | $ 365,000 | $ 59,000 |
| Dougherty County Georgia | 1 | $ 115,000 | $ 115,000 | $ 27,000 |
| Glynn County Georgia | 1 | $ 2,285,000 | $ 2,285,000 | $ 451,000 |
| Haralson County Georgia | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Harris County Georgia | 1 | $ 355,000 | $ 355,000 | $ 177,000 |
| Jackson County Georgia | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Lee County Georgia | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| McIntosh County Georgia | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Muscogee County Georgia | 1 | $ 445,000 | $ 445,000 | $ 105,000 |
| Oconee County Georgia | 1 | $ 315,000 | $ 315,000 | $ 55,000 |
| Pickens County Georgia | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Rabun County Georgia | 1 | $ 745,000 | $ 745,000 | $ 313,000 |
| Troup County Georgia | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| White County Georgia | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Whitfield County Georgia | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Canyon County Idaho | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Will County Illinois | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Hancock County Indiana | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Shawnee County Kansas | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Bath County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Oldham County Kentucky | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Ascension County Louisiana | 1 | $ 265,000 | $ 265,000 | $ 133,000 |
| Orleans County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 505,000 | $ 505,000 | $ 346,000 |
| Montgomery County Maryland | 1 | $ 1,045,000 | $ 1,045,000 | $ 739,000 |
| Prince George's County Maryland | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Bristol County Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 80,000 |
| Norfolk County Massachusetts | 1 | $ 705,000 | $ 705,000 | $ 662,000 |
| Suffolk County Massachusetts | 1 | $ 475,000 | $ 475,000 | $ 130,000 |
| Anoka County Minnesota | 1 | $ 615,000 | $ 615,000 | $ 294,000 |
| Forrest County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Hinds County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 138,000 |
| Tunica County Mississippi | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| Cass County Missouri | 1 | $ 1,675,000 | $ 1,675,000 | $ 589,000 |
| St. Louis County Missouri | 1 | $ 125,000 | $ 125,000 | $ 116,000 |
| St. Louis City County Missouri | 1 | $ 195,000 | $ 195,000 | $ 319,000 |
| Dawson County Montana | 1 | $ 405,000 | $ 405,000 | $ 116,000 |
| Atlantic County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 158,000 |
| Bergen County New Jersey | 1 | $ 555,000 | $ 555,000 | $ 242,000 |
| Allegany County New York | 1 | $ 195,000 | $ 195,000 | $ 561,000 |
| Chautauqua County New York | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Queens County New York | 1 | $ 505,000 | $ 505,000 | $ 110,000 |
| Seneca County New York | 1 | $ 225,000 | $ 225,000 | $ 165,000 |
| Warren County New York | 1 | $ 305,000 | $ 305,000 | $ 780,000 |
| Beaufort County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Durham County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Wake County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Watauga County North Carolina | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Cleveland County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Oklahoma County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Adams County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 185,000 |
| Allegheny County Pennsylvania | 1 | $ 435,000 | $ 435,000 | $ 335,000 |
| Washington County Rhode Island | 1 | $ 295,000 | $ 295,000 | $ 118,000 |
| Berkeley County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 122,000 |
| Charleston County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 121,000 |
| Dillon County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Lancaster County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Hamilton County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Montgomery County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Sevier County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 310,000 |
| Williamson County Tennessee | 1 | $ 1,715,000 | $ 1,715,000 | $ 738,000 |
| Wilson County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Harris County Texas | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Midland County Texas | 1 | $ 235,000 | $ 235,000 | $ 150,000 |
| Tarrant County Texas | 1 | $ 395,000 | $ 395,000 | $ 365,000 |
| Travis County Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Chesapeake County Virginia | 1 | $ 455,000 | $ 455,000 | $ 180,000 |
| Chesterfield County Virginia | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Fauquier County Virginia | 1 | $ 245,000 | $ 245,000 | $ 151,000 |
| Loudoun County Virginia | 1 | $ 465,000 | $ 465,000 | $ 220,000 |
| Patrick County Virginia | 1 | $ 285,000 | $ 285,000 | $ 329,000 |
| Prince William County Virginia | 1 | $ 285,000 | $ 285,000 | $ 64,000 |
| Richmond City County Virginia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Pierce County Washington | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for National Bank Of Commerce in 2018
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 | 1,817 | $529,825,000 | $291,000 | $3,225,000 | $157,000 | $2,767,000 |
| Refinancing | 284 | $78,870,000 | $277,000 | $1,795,000 | $196,000 | $3,878,000 |
| Other Purpose | 279 | $55,695,000 | $199,000 | $3,005,000 | $218,000 | $4,618,000 |
| Cash-out Refinancing | 198 | $57,940,000 | $292,000 | $2,005,000 | $181,000 | $2,767,000 |
| Home Improvement | 174 | $29,060,000 | $167,000 | $1,755,000 | $218,000 | $3,130,000 |
| Not Applicable | 2 | $980,000 | $490,000 | $505,000 | $748,000 | $1,232,000 |
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 | 2,082 | $556,620,000 | $267,000 | $2,985,000 | $176,000 | $4,618,000 |
| Not Provided | 213 | $55,905,000 | $262,000 | $1,505,000 | $209,000 | $1,601,000 |
| Black or African American | 183 | $49,465,000 | $270,000 | $3,225,000 | $120,000 | $1,190,000 |
| Not applicable | 136 | $49,550,000 | $364,000 | $2,585,000 | $0 | $0 |
| Hispanic | 74 | $21,720,000 | $293,000 | $3,005,000 | $148,000 | $744,000 |
| Asian | 56 | $15,900,000 | $283,000 | $1,045,000 | $152,000 | $431,000 |
| American Indian or Alaskan Native | 1 | $305,000 | $305,000 | $305,000 | $74,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $42,000 | $42,000 |
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) | 2,458 | $686,020,000 | $279,000 | $3,225,000 | $184,000 | $4,618,000 |
| FHA-insured (Federal Housing Administration) | 187 | $34,695,000 | $185,000 | $465,000 | $73,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 93 | $29,285,000 | $314,000 | $925,000 | $118,000 | $323,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,370,000 | $148,000 | $255,000 | $50,000 | $82,000 |
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 | 2,191 | $584,185,000 | $266,000 | $3,225,000 | $178,000 | $4,618,000 |
| Application Denied By Financial Institution | 288 | $84,420,000 | $293,000 | $2,985,000 | $146,000 | $3,878,000 |
| Application Withdrawn By Applicant | 241 | $74,305,000 | $308,000 | $1,795,000 | $160,000 | $1,401,000 |
| Application Approved But Not Accepted | 32 | $9,040,000 | $282,000 | $835,000 | $231,000 | $1,897,000 |
| File Closed For Incompleteness | 2 | $420,000 | $210,000 | $295,000 | $148,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,466 | $667,950,000 | $270,000 | $3,225,000 | $176,000 | $4,618,000 |
| Credit Application Incomplete | 111 | $39,845,000 | $358,000 | $1,275,000 | $157,000 | $780,000 |
| Debt-To-Income Ratio | 79 | $17,335,000 | $219,000 | $1,285,000 | $92,000 | $367,000 |
| Collateral | 40 | $13,670,000 | $341,000 | $2,985,000 | $169,000 | $1,184,000 |
| Credit History | 30 | $6,880,000 | $229,000 | $1,205,000 | $119,000 | $516,000 |
| Other | 19 | $4,255,000 | $223,000 | $885,000 | $312,000 | $3,878,000 |
| Employment History | 6 | $1,980,000 | $330,000 | $625,000 | $122,000 | $253,000 |
| Unverifiable Information | 2 | $310,000 | $155,000 | $205,000 | $48,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Bank Of Commerce's 2018 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.
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