National Bank of Commerce Mortgage Lending & HMDA Data, 2018
In 2018, National Bank of Commerce of Birmingham, AL reported 2,754 mortgage applications totaling $752.4 million, up 18% from 2017. The average application was for $273,191, and applicants reported an average income of $173,210. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (575), Huntsville, AL (409) and Daphne-Fairhope-Foley, AL (372) (applications in parentheses).
| 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 | $273,191 |
| Highest Mortgage Loan Application Amount | $3,225,000 |
| Average Applicant Income | $173,210 |
| Highest Applicant Income | $4,618,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National Bank of Commerce filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 575 | $ 175,775,000 | $ 305,695 | $ 194,000 |
| Huntsville, AL | 409 | $ 110,585,000 | $ 270,378 | $ 139,000 |
| Daphne-Fairhope-Foley, AL | 372 | $ 95,680,000 | $ 257,204 | $ 172,000 |
| Birmingham-Hoover, AL | 283 | $ 74,885,000 | $ 264,611 | $ 154,000 |
| Jacksonville, FL | 213 | $ 59,875,000 | $ 281,103 | $ 172,000 |
| Auburn-Opelika, AL | 134 | $ 25,370,000 | $ 189,328 | $ 107,000 |
| Orlando-Kissimmee-Sanford, FL | 129 | $ 35,165,000 | $ 272,596 | $ 263,000 |
| Sebastian-Vero Beach, FL | 105 | $ 23,455,000 | $ 223,380 | $ 148,000 |
| Outside any metro area | 100 | $ 25,530,000 | $ 255,300 | $ 165,525 |
| Deltona-Daytona Beach-Ormond Beach, FL | 89 | $ 21,925,000 | $ 246,348 | $ 188,000 |
| Pensacola-Ferry Pass-Brent, FL | 52 | $ 16,660,000 | $ 320,384 | $ 254,000 |
| Tampa-St. Petersburg-Clearwater, FL | 37 | $ 11,085,000 | $ 299,594 | $ 264,000 |
| Decatur, AL | 18 | $ 4,080,000 | $ 226,666 | $ 133,000 |
| Rome, GA | 18 | $ 2,600,000 | $ 144,444 | $ 70,000 |
| Savannah, GA | 12 | $ 3,290,000 | $ 274,166 | $ 110,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 4,205,000 | $ 382,272 | $ 179,000 |
| North Port-Sarasota-Bradenton, FL | 9 | $ 2,415,000 | $ 268,333 | $ 182,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 3,370,000 | $ 421,250 | $ 505,000 |
| Florence-Muscle Shoals, AL | 7 | $ 2,265,000 | $ 323,571 | $ 130,000 |
| Gainesville, GA | 7 | $ 2,545,000 | $ 363,571 | $ 151,000 |
| Mobile, AL | 7 | $ 1,165,000 | $ 166,428 | $ 112,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 2,065,000 | $ 295,000 | $ 139,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,520,000 | $ 253,333 | $ 90,000 |
| Port St. Lucie, FL | 6 | $ 1,130,000 | $ 188,333 | $ 102,000 |
| Dallas-Plano-Irving, TX | 5 | $ 2,895,000 | $ 579,000 | $ 307,000 |
| Panama City, FL | 5 | $ 2,565,000 | $ 513,000 | $ 263,000 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 940,000 | $ 235,000 | $ 119,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 2,260,000 | $ 565,000 | $ 370,000 |
| Montgomery, AL | 4 | $ 1,050,000 | $ 262,500 | $ 111,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 460,000 | $ 115,000 | $ 242,000 |
| Tuscaloosa, AL | 4 | $ 830,000 | $ 207,500 | $ 87,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,310,000 | $ 327,500 | $ 138,750 |
| Cleveland-Elyria, OH | 3 | $ 545,000 | $ 181,666 | $ 83,000 |
| Columbus, GA-AL | 3 | $ 835,000 | $ 278,333 | $ 118,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,765,000 | $ 588,333 | $ 581,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 495,000 | $ 165,000 | $ 55,000 |
| Memphis, TN-MS-AR | 3 | $ 565,000 | $ 188,333 | $ 111,333 |
| Spartanburg, SC | 3 | $ 495,000 | $ 165,000 | $ 67,000 |
| Albany, GA | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| Athens-Clarke County, GA | 2 | $ 680,000 | $ 340,000 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 360,000 | $ 180,000 | $ 78,000 |
| Boston, MA | 2 | $ 1,180,000 | $ 590,000 | $ 396,000 |
| Brunswick, GA | 2 | $ 2,380,000 | $ 1,190,000 | $ 244,000 |
| Charleston-North Charleston, SC | 2 | $ 550,000 | $ 275,000 | $ 121,000 |
| Gainesville, FL | 2 | $ 210,000 | $ 105,000 | $ 268,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 400,000 | $ 200,000 | $ 105,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 530,000 | $ 265,000 | $ 317,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 540,000 | $ 270,000 | $ 137,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,060,000 | $ 530,000 | $ 176,000 |
| Oklahoma City, OK | 2 | $ 260,000 | $ 130,000 | $ 85,000 |
| Providence-Warwick, RI-MA | 2 | $ 650,000 | $ 325,000 | $ 99,000 |
| Richmond, VA | 2 | $ 370,000 | $ 185,000 | $ 66,000 |
| Spokane-Spokane Valley, WA | 2 | $ 550,000 | $ 275,000 | $ 351,000 |
| St. Louis, MO-IL | 2 | $ 320,000 | $ 160,000 | $ 217,000 |
| Tallahassee, FL | 2 | $ 690,000 | $ 345,000 | $ 153,000 |
| The Villages, FL | 2 | $ 250,000 | $ 125,000 | $ 17,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 295,000 | $ 295,000 | $ 158,000 |
| Austin-Round Rock, TX | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 1 | $ 505,000 | $ 505,000 | $ 346,000 |
| Baton Rouge, LA | 1 | $ 265,000 | $ 265,000 | $ 133,000 |
| Boise City, ID | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Boulder, CO | 1 | $ 295,000 | $ 295,000 | $ 2,767,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Clarksville, TN-KY | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Colorado Springs, CO | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Dalton, GA | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 305,000 | $ 305,000 | $ 37,000 |
| Durham-Chapel Hill, NC | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Fort Worth-Arlington, TX | 1 | $ 395,000 | $ 395,000 | $ 365,000 |
| Gettysburg, PA | 1 | $ 295,000 | $ 295,000 | $ 185,000 |
| Glens Falls, NY | 1 | $ 305,000 | $ 305,000 | $ 780,000 |
| Greeley, CO | 1 | $ 385,000 | $ 385,000 | $ 99,000 |
| Hattiesburg, MS | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Homosassa Springs, FL | 1 | $ 375,000 | $ 375,000 | $ 313,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Jackson, MS | 1 | $ 195,000 | $ 195,000 | $ 138,000 |
| Kansas City, MO-KS | 1 | $ 1,675,000 | $ 1,675,000 | $ 589,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Midland, TX | 1 | $ 235,000 | $ 235,000 | $ 150,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 615,000 | $ 615,000 | $ 294,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| New Orleans-Metairie, LA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ocala, FL | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 295,000 | $ 295,000 | $ 50,000 |
| Pittsburgh, PA | 1 | $ 435,000 | $ 435,000 | $ 335,000 |
| Raleigh, NC | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 515,000 | $ 515,000 | $ 302,000 |
| San Diego-Carlsbad, CA | 1 | $ 925,000 | $ 925,000 | $ 238,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 1,045,000 | $ 1,045,000 | $ 739,000 |
| Tacoma-Lakewood, WA | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Topeka, KS | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 455,000 | $ 455,000 | $ 180,000 |
| Worcester, MA-CT | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
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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