South Trust Bank Mortgage Lending & HMDA Data, 2004

In 2004, South Trust Bank of Homewood, AL reported 18,176 mortgage applications totaling $2.3 billion, down 56% from 2003. The average application was for $124,833, and applicants reported an average income of $76,528. 39% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (1,580), Birmingham-Hoover, AL (1,002) and Atlanta-Sandy Springs-Marietta, GA (877) (applications in parentheses).

Mortgage Company & Address South Trust Bank
1 Metroplex Dr, Suite 500
Homewood, AL 35209
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 18,176
Total Mortgage Loan Application Amount $2,268,969,000
Average Mortgage Loan Application Amount $124,833
Highest Mortgage Loan Application Amount $28,625,000
Average Applicant Income $76,528
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records South Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 South Trust Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Alabama 718 $ 53,356,000 $ 74,311 $ 77,000
Pinellas, Florida 681 $ 80,336,000 $ 117,967 $ 77,000
Polk, Florida 672 $ 33,266,000 $ 49,502 $ 60,000
Manatee, Florida 477 $ 43,353,000 $ 90,886 $ 64,000
Hillsborough, Florida 476 $ 77,141,000 $ 162,060 $ 73,000
Duval, Florida 410 $ 45,576,000 $ 111,160 $ 68,000
Volusia, Florida 407 $ 50,124,000 $ 123,154 $ 78,000
Pasco, Florida 369 $ 28,878,000 $ 78,260 $ 47,000
Mobile, Alabama 360 $ 31,657,000 $ 87,936 $ 76,000
Harris, Texas 344 $ 34,386,000 $ 99,959 $ 82,000
Broward, Florida 318 $ 38,489,000 $ 121,034 $ 83,000
Charlotte, Florida 304 $ 26,590,000 $ 87,467 $ 74,000
Sarasota, Florida 294 $ 34,649,000 $ 117,853 $ 69,000
Houston, Alabama 293 $ 20,720,000 $ 70,716 $ 54,000
Orange, Florida 263 $ 55,946,000 $ 212,722 $ 92,000
Covington, Alabama 259 $ 14,692,000 $ 56,725 $ 51,000
Baldwin, Alabama 250 $ 35,393,000 $ 141,572 $ 70,000
Calhoun, Alabama 245 $ 12,602,000 $ 51,436 $ 64,000
Richmond, Georgia 239 $ 14,874,000 $ 62,234 $ 56,000
Lee, Florida 235 $ 30,500,000 $ 129,787 $ 83,000
Palm Beach, Florida 232 $ 23,803,000 $ 102,599 $ 78,000
Marion, Florida 219 $ 20,756,000 $ 94,776 $ 50,000
Charleston, South Carolina 212 $ 42,307,000 $ 199,561 $ 126,000
Madison, Alabama 211 $ 34,190,000 $ 162,037 $ 76,000
Fulton, Georgia 196 $ 46,125,000 $ 235,331 $ 105,000
Muscogee, Georgia 195 $ 17,242,000 $ 88,420 $ 117,000
Miami-Dade, Florida 177 $ 23,172,000 $ 130,915 $ 69,000
DeKalb, Georgia 162 $ 36,010,000 $ 222,283 $ 101,000
Montgomery, Alabama 155 $ 19,647,000 $ 126,754 $ 121,000
Horry, South Carolina 150 $ 50,310,000 $ 335,400 $ 136,000
Shelby, Alabama 148 $ 18,588,000 $ 125,594 $ 81,000
Mecklenburg, North Carolina 141 $ 96,139,000 $ 681,836 $ 85,000
Dallas, Alabama 137 $ 6,998,000 $ 51,080 $ 55,000
Bexar, Texas 136 $ 30,902,000 $ 227,220 $ 59,000
Jackson, Mississippi 128 $ 11,071,000 $ 86,492 $ 63,000
Wake, North Carolina 126 $ 63,763,000 $ 506,055 $ 70,000
Etowah, Alabama 124 $ 6,808,000 $ 54,903 $ 90,000
Tuscaloosa, Alabama 124 $ 14,038,000 $ 113,209 $ 70,000
Marion, Alabama 123 $ 5,659,000 $ 46,008 $ 47,000
Dale, Alabama 120 $ 5,096,000 $ 42,466 $ 49,000
Jefferson, Texas 119 $ 8,260,000 $ 69,411 $ 102,000
Cullman, Alabama 117 $ 6,281,000 $ 53,683 $ 72,000
Seminole, Florida 117 $ 9,970,000 $ 85,213 $ 73,000
Lake, Florida 116 $ 7,424,000 $ 64,000 $ 69,000
Gwinnett, Georgia 116 $ 52,278,000 $ 450,672 $ 122,000
Lee, Alabama 113 $ 8,849,000 $ 78,309 $ 66,000
Columbia, Georgia 109 $ 7,392,000 $ 67,816 $ 61,000
Okaloosa, Florida 107 $ 17,839,000 $ 166,719 $ 88,000
Citrus, Florida 105 $ 8,470,000 $ 80,666 $ 59,000
Escambia, Florida 103 $ 21,730,000 $ 210,970 $ 130,000
Collier, Florida 102 $ 17,340,000 $ 170,000 $ 86,000
Cobb, Georgia 101 $ 48,720,000 $ 482,376 $ 107,000
Tarrant, Texas 99 $ 7,924,000 $ 80,040 $ 87,000
Morgan, Alabama 92 $ 5,436,000 $ 59,086 $ 84,000
Cabarrus, North Carolina 86 $ 6,583,000 $ 76,546 $ 82,000
Guilford, North Carolina 86 $ 13,277,000 $ 154,383 $ 113,000
Coffee, Alabama 85 $ 4,658,000 $ 54,800 $ 55,000
Shelby, Tennessee 82 $ 9,471,000 $ 115,500 $ 107,000
Brevard, Florida 79 $ 10,481,000 $ 132,670 $ 74,000
Osceola, Florida 79 $ 5,779,000 $ 73,151 $ 56,000
Hinds, Mississippi 76 $ 3,618,000 $ 47,605 $ 60,000
Dallas, Texas 76 $ 5,692,000 $ 74,894 $ 79,000
Russell, Alabama 75 $ 3,614,000 $ 48,186 $ 61,000
Flagler, Florida 72 $ 12,362,000 $ 171,694 $ 105,000
Harrison, Mississippi 72 $ 6,550,000 $ 90,972 $ 69,000
Highlands, Florida 71 $ 3,650,000 $ 51,408 $ 48,000
Marshall, Alabama 70 $ 6,029,000 $ 86,128 $ 59,000
Bay, Florida 68 $ 12,814,000 $ 188,441 $ 82,000
Ellis, Texas 68 $ 3,310,000 $ 48,676 $ 107,000
Clay, Florida 66 $ 6,966,000 $ 105,545 $ 67,000
Indian River, Florida 65 $ 8,631,000 $ 132,784 $ 123,000
Nassau, Florida 65 $ 10,730,000 $ 165,076 $ 57,000
Walker, Alabama 64 $ 2,490,000 $ 38,906 $ 94,000
Leon, Florida 64 $ 6,544,000 $ 102,250 $ 73,000
Virginia Beach, Virginia 60 $ 8,561,000 $ 142,683 $ 99,000
Walton, Florida 59 $ 16,209,000 $ 274,728 $ 89,000
Talladega, Alabama 58 $ 5,376,000 $ 92,689 $ 57,000
Tallapoosa, Alabama 57 $ 5,929,000 $ 104,017 $ 54,000
St. Johns, Florida 55 $ 8,246,000 $ 149,927 $ 199,000
Hernando, Florida 54 $ 4,076,000 $ 75,481 $ 58,000
Walker, Georgia 52 $ 2,044,000 $ 39,307 $ 41,000
Johnson, Texas 51 $ 2,016,000 $ 39,529 $ 53,000
Jackson, Florida 49 $ 3,088,000 $ 63,020 $ 53,000
Davidson, Tennessee 49 $ 6,763,000 $ 138,020 $ 141,000
Randolph, Alabama 48 $ 3,078,000 $ 64,125 $ 101,000
Rutherford, North Carolina 48 $ 2,653,000 $ 55,270 $ 49,000
Clayton, Georgia 47 $ 3,280,000 $ 69,787 $ 90,000
Elmore, Alabama 46 $ 4,681,000 $ 101,760 $ 89,000
Lauderdale, Alabama 46 $ 6,728,000 $ 146,260 $ 235,000
Greenville, South Carolina 46 $ 4,118,000 $ 89,521 $ 60,000
Richland, South Carolina 46 $ 4,330,000 $ 94,130 $ 50,000
Alachua, Florida 45 $ 4,318,000 $ 95,955 $ 93,000
Berkeley, South Carolina 44 $ 5,217,000 $ 118,568 $ 58,000
Pike, Alabama 43 $ 2,519,000 $ 58,581 $ 44,000
Santa Rosa, Florida 43 $ 6,223,000 $ 144,720 $ 146,000
Lexington, South Carolina 43 $ 4,923,000 $ 114,488 $ 58,000
Henry, Alabama 42 $ 2,184,000 $ 52,000 $ 56,000
Cleburne, Alabama 41 $ 2,324,000 $ 56,682 $ 56,000
Travis, Texas 38 $ 7,684,000 $ 202,210 $ 412,000
Chesapeake, Virginia 38 $ 3,034,000 $ 79,842 $ 83,000
Norfolk, Virginia 38 $ 31,951,000 $ 840,815 $ 71,000
Washington, Florida 37 $ 1,756,000 $ 47,459 $ 135,000
Chatham, Georgia 37 $ 6,551,000 $ 177,054 $ 71,000
Chesterfield, Virginia 37 $ 20,753,000 $ 560,891 $ 74,000
DeSoto, Florida 35 $ 1,794,000 $ 51,257 $ 38,000
Gaston, North Carolina 35 $ 2,452,000 $ 70,057 $ 72,000
Liberty, Texas 35 $ 1,151,000 $ 32,885 $ 67,000
Harris, Georgia 34 $ 3,752,000 $ 110,352 $ 99,000
St. Lucie, Florida 33 $ 3,692,000 $ 111,878 $ 63,000
Hardin, Texas 33 $ 1,427,000 $ 43,242 $ 90,000
Coffee, Georgia 32 $ 1,470,000 $ 45,937 $ 57,000
Fort Bend, Texas 32 $ 6,178,000 $ 193,062 $ 151,000
Haralson, Georgia 31 $ 1,395,000 $ 45,000 $ 44,000
Rowan, North Carolina 31 $ 1,502,000 $ 48,451 $ 49,000
Sumter, Florida 30 $ 1,974,000 $ 65,800 $ 47,000
Aiken, South Carolina 29 $ 1,677,000 $ 57,827 $ 68,000
Blount, Alabama 28 $ 1,927,000 $ 68,821 $ 78,000
Laurens, Georgia 27 $ 878,000 $ 32,518 $ 74,000
Cleveland, North Carolina 27 $ 1,671,000 $ 61,888 $ 52,000
St. Clair, Alabama 26 $ 2,536,000 $ 97,538 $ 96,000
Forsyth, Georgia 26 $ 2,430,000 $ 93,461 $ 77,000
Murray, Georgia 26 $ 677,000 $ 26,038 $ 49,000
Autauga, Alabama 25 $ 1,350,000 $ 54,000 $ 69,000
Cherokee, Alabama 25 $ 848,000 $ 33,920 $ 45,000
Catoosa, Georgia 25 $ 1,674,000 $ 66,960 $ 63,000
Geneva, Alabama 24 $ 1,259,000 $ 52,458 $ 44,000
Henry, Georgia 24 $ 1,305,000 $ 54,375 $ 84,000
Clay, Alabama 23 $ 628,000 $ 27,304 $ 49,000
Limestone, Alabama 23 $ 2,370,000 $ 103,043 $ 49,000
Cherokee, Georgia 23 $ 2,540,000 $ 110,434 $ 83,000
Forrest, Mississippi 22 $ 3,400,000 $ 154,545 $ 81,000
Iredell, North Carolina 22 $ 2,591,000 $ 117,772 $ 78,000
Lamar, Mississippi 21 $ 4,313,000 $ 205,380 $ 108,000
Dorchester, South Carolina 21 $ 2,584,000 $ 123,047 $ 55,000
Orange, Texas 21 $ 995,000 $ 47,380 $ 58,000
Coosa, Alabama 20 $ 1,060,000 $ 53,000 $ 32,000
Escambia, Alabama 20 $ 755,000 $ 37,750 $ 40,000
Bartow, Georgia 20 $ 1,347,000 $ 67,350 $ 51,000
Ben Hill, Georgia 20 $ 673,000 $ 33,650 $ 50,000
Telfair, Georgia 20 $ 447,000 $ 22,350 $ 32,000
Brazoria, Texas 20 $ 2,145,000 $ 107,250 $ 101,000
Denton, Texas 20 $ 2,244,000 $ 112,200 $ 156,000
Crenshaw, Alabama 19 $ 820,000 $ 43,157 $ 34,000
Coweta, Georgia 19 $ 2,139,000 $ 112,578 $ 72,000
Galveston, Texas 19 $ 1,855,000 $ 97,631 $ 151,000
Montgomery, Texas 19 $ 23,025,000 $ 1,211,842 $ 470,000
Richmond City, Virginia 19 $ 4,104,000 $ 216,000 $ 609,000
Fayette, Alabama 18 $ 790,000 $ 43,888 $ 48,000
Transylvania, North Carolina 18 $ 1,168,000 $ 64,888 $ 65,000
Douglas, Georgia 17 $ 1,362,000 $ 80,117 $ 62,000
Chambers, Texas 17 $ 832,000 $ 48,941 $ 74,000
Baker, Florida 16 $ 1,259,000 $ 78,687 $ 90,000
Columbia, Florida 16 $ 790,000 $ 49,375 $ 37,000
Suwannee, Florida 16 $ 860,000 $ 53,750 $ 37,000
Henrico, Virginia 16 $ 1,534,000 $ 95,875 $ 105,000
Conecuh, Alabama 15 $ 1,013,000 $ 67,533 $ 48,000
Holmes, Florida 15 $ 817,000 $ 54,466 $ 72,000
Clarke, Georgia 15 $ 2,080,000 $ 138,666 $ 71,000
Meriwether, Georgia 15 $ 639,000 $ 42,600 $ 66,000
Collin, Texas 15 $ 22,180,000 $ 1,478,666 $ 155,000
Carroll, Georgia 14 $ 851,000 $ 60,785 $ 46,000
Williamson, Tennessee 14 $ 1,996,000 $ 142,571 $ 101,000
Portsmouth, Virginia 14 $ 816,000 $ 58,285 $ 64,000
Lamar, Alabama 13 $ 526,000 $ 40,461 $ 27,000
Taylor, Florida 13 $ 762,000 $ 58,615 $ 42,000
Fayette, Georgia 13 $ 1,892,000 $ 145,538 $ 86,000
Hall, Georgia 13 $ 1,634,000 $ 125,692 $ 61,000
Paulding, Georgia 13 $ 993,000 $ 76,384 $ 43,000
Chilton, Alabama 12 $ 1,050,000 $ 87,500 $ 96,000
Spartanburg, South Carolina 12 $ 1,384,000 $ 115,333 $ 103,000
Levy, Florida 11 $ 735,000 $ 66,818 $ 78,000
Union, North Carolina 11 $ 919,000 $ 83,545 $ 63,000
Sevier, Tennessee 11 $ 2,037,000 $ 185,181 $ 132,000
Macon, Alabama 10 $ 759,000 $ 75,900 $ 73,000
Durham, North Carolina 10 $ 2,706,000 $ 270,600 $ 102,000
Beaufort, South Carolina 10 $ 707,000 $ 70,700 $ 38,000
Colonial Heights, Virginia 10 $ 323,000 $ 32,300 $ 56,000
DeKalb, Alabama 9 $ 619,000 $ 68,777 $ 48,000
Lawrence, Alabama 9 $ 929,000 $ 103,222 $ 63,000
Jefferson, Florida 9 $ 401,000 $ 44,555 $ 39,000
Barrow, Georgia 9 $ 559,000 $ 62,111 $ 50,000
Newton, Georgia 9 $ 959,000 $ 106,555 $ 43,000
Talbot, Georgia 9 $ 511,000 $ 56,777 $ 43,000
Washington, Georgia 9 $ 200,000 $ 22,222 $ 34,000
Madison, Mississippi 9 $ 1,667,000 $ 185,222 $ 76,000
Carteret, North Carolina 9 $ 3,448,000 $ 383,111 $ 155,000
New Hanover, North Carolina 9 $ 1,919,000 $ 213,222 $ 211,000
Rutherford, Tennessee 9 $ 823,000 $ 91,444 $ 62,000
Butler, Alabama 8 $ 302,000 $ 37,750 $ 51,000
Colbert, Alabama 8 $ 1,002,000 $ 125,250 $ 364,000
Jackson, Alabama 8 $ 798,000 $ 99,750 $ 131,000
Wakulla, Florida 8 $ 509,000 $ 63,625 $ 48,000
Chattooga, Georgia 8 $ 339,000 $ 42,375 $ 53,000
Jackson, Georgia 8 $ 915,000 $ 114,375 $ 72,000
Lincoln, Mississippi 8 $ 537,000 $ 67,125 $ 39,000
Marshall, Mississippi 8 $ 305,000 $ 38,125 $ 38,000
Neshoba, Mississippi 8 $ 365,000 $ 45,625 $ 42,000
Rankin, Mississippi 8 $ 341,000 $ 42,625 $ 25,000
Hamilton, Tennessee 8 $ 970,000 $ 121,250 $ 74,000
Newport News, Virginia 8 $ 617,000 $ 77,125 $ 95,000
Petersburg, Virginia 8 $ 2,583,000 $ 322,875 $ 33,000
Barbour, Alabama 7 $ 258,000 $ 36,857 $ 66,000
Chambers, Alabama 7 $ 360,000 $ 51,428 $ 109,000
Hale, Alabama 7 $ 238,000 $ 34,000 $ 49,000
Gadsden, Florida 7 $ 451,000 $ 64,428 $ 44,000
Monroe, Florida 7 $ 3,180,000 $ 454,285 $ 191,000
Putnam, Florida 7 $ 423,000 $ 60,428 $ 81,000
Walton, Georgia 7 $ 879,000 $ 125,571 $ 137,000
Ware, Georgia 7 $ 267,000 $ 38,142 $ 31,000
Copiah, Mississippi 7 $ 338,000 $ 48,285 $ 54,000
Hancock, Mississippi 7 $ 704,000 $ 100,571 $ 121,000
Catawba, North Carolina 7 $ 1,264,000 $ 180,571 $ 87,000
Johnston, North Carolina 7 $ 439,000 $ 62,714 $ 51,000
Onslow, North Carolina 7 $ 1,647,000 $ 235,285 $ 126,000
Bradley, Tennessee 7 $ 605,000 $ 86,428 $ 81,000
Cumberland, Tennessee 7 $ 341,000 $ 48,714 $ 43,000
Fairfax, Virginia 7 $ 2,707,000 $ 386,714 $ 137,000
Spotsylvania, Virginia 7 $ 723,000 $ 103,285 $ 66,000
Bibb, Alabama 6 $ 527,000 $ 87,833 $ 43,000
Decatur, Georgia 6 $ 241,000 $ 40,166 $ 24,000
Floyd, Georgia 6 $ 398,000 $ 66,333 $ 40,000
Lowndes, Georgia 6 $ 371,000 $ 61,833 $ 31,000
Rockdale, Georgia 6 $ 273,000 $ 45,500 $ 54,000
Whitfield, Georgia 6 $ 256,000 $ 42,666 $ 41,000
Lauderdale, Mississippi 6 $ 343,000 $ 57,166 $ 30,000
Simpson, Mississippi 6 $ 234,000 $ 39,000 $ 40,000
Queens, New York 6 $ 483,000 $ 80,500 $ 71,000
Suffolk, New York 6 $ 227,000 $ 37,833 $ 51,000
Beaufort, North Carolina 6 $ 344,000 $ 57,333 $ 58,000
Cumberland, North Carolina 6 $ 469,000 $ 78,166 $ 46,000
Franklin, North Carolina 6 $ 737,000 $ 122,833 $ 120,000
Colleton, South Carolina 6 $ 345,000 $ 57,500 $ 132,000
Kershaw, South Carolina 6 $ 576,000 $ 96,000 $ 38,000
Laurens, South Carolina 6 $ 450,000 $ 75,000 $ 53,000
York, South Carolina 6 $ 886,000 $ 147,666 $ 147,000
Comal, Texas 6 $ 368,000 $ 61,333 $ 73,000
Dinwiddie, Virginia 6 $ 563,000 $ 93,833 $ 73,000
Hampton, Virginia 6 $ 556,000 $ 92,666 $ 77,000
Prince William, Virginia 6 $ 16,647,000 $ 2,774,500 $ 99,000
Greene, Alabama 5 $ 254,000 $ 50,800 $ 49,000
Lowndes, Alabama 5 $ 328,000 $ 65,600 $ 53,000
Wilcox, Alabama 5 $ 168,000 $ 33,600 $ 45,000
Dixie, Florida 5 $ 390,000 $ 78,000 $ 68,000
Martin, Florida 5 $ 1,922,000 $ 384,400 $ 86,000
Dodge, Georgia 5 $ 190,000 $ 38,000 $ 96,000
Houston, Georgia 5 $ 15,111,000 $ 3,022,200 $ 54,000
Wayne, Georgia 5 $ 191,000 $ 38,200 $ 23,000
Bristol, Massachusetts 5 $ 254,000 $ 50,800 $ 44,000
George, Mississippi 5 $ 189,000 $ 37,800 $ 45,000
Lafayette, Mississippi 5 $ 410,000 $ 82,000 $ 105,000
Lee, Mississippi 5 $ 240,000 $ 48,000 $ 25,000
Brunswick, North Carolina 5 $ 411,000 $ 82,200 $ 72,000
Currituck, North Carolina 5 $ 981,000 $ 196,200 $ 61,000
Randolph, North Carolina 5 $ 150,000 $ 30,000 $ 36,000
Stanly, North Carolina 5 $ 294,000 $ 58,800 $ 35,000
Anderson, South Carolina 5 $ 297,000 $ 59,400 $ 48,000
Orangeburg, South Carolina 5 $ 327,000 $ 65,400 $ 57,000
Carter, Tennessee 5 $ 227,000 $ 45,400 $ 26,000
Maury, Tennessee 5 $ 242,000 $ 48,400 $ 48,000
Overton, Tennessee 5 $ 288,000 $ 57,600 $ 33,000
Kendall, Texas 5 $ 874,000 $ 174,800 $ 179,000
Nueces, Texas 5 $ 9,896,000 $ 1,979,200 $ 102,000
Rockwall, Texas 5 $ 507,000 $ 101,400 $ 129,000
Wise, Texas 5 $ 486,000 $ 97,200 $ 60,000
Goochland, Virginia 5 $ 308,000 $ 61,600 $ 60,000
Hanover, Virginia 5 $ 1,013,000 $ 202,600 $ 30,000
Prince George, Virginia 5 $ 437,000 $ 87,400 $ 41,000
Clarke, Alabama 4 $ 204,000 $ 51,000 $ 33,000
Franklin, Alabama 4 $ 269,000 $ 67,250 $ 81,000
Perry, Alabama 4 $ 194,000 $ 48,500 $ 79,000
Washington, Alabama 4 $ 145,000 $ 36,250 $ 169,000
Winston, Alabama 4 $ 170,000 $ 42,500 $ 53,000
Fairfield, Connecticut 4 $ 277,000 $ 69,250 $ 80,000
Gilchrist, Florida 4 $ 228,000 $ 57,000 $ 51,000
Union, Florida 4 $ 156,000 $ 39,000 $ 62,000
Bibb, Georgia 4 $ 136,000 $ 34,000 $ 45,000
Charlton, Georgia 4 $ 130,000 $ 32,500 $ 74,000
Jefferson, Georgia 4 $ 205,000 $ 51,250 $ 60,000
Cook, Illinois 4 $ 689,000 $ 172,250 $ 153,000
Prince George's, Maryland 4 $ 1,317,000 $ 329,250 $ 83,000
Middlesex, Massachusetts 4 $ 230,000 $ 57,500 $ 54,000
Worcester, Massachusetts 4 $ 169,000 $ 42,250 $ 47,000
Covington, Mississippi 4 $ 115,000 $ 28,750 $ 31,000
Jones, Mississippi 4 $ 164,000 $ 41,000 $ 53,000
Lowndes, Mississippi 4 $ 248,000 $ 62,000 $ 46,000
Monroe, Mississippi 4 $ 96,000 $ 24,000 $ 25,000
Scott, Mississippi 4 $ 228,000 $ 57,000 $ 19,000
Ocean, New Jersey 4 $ 222,000 $ 55,500 $ 45,000
Erie, New York 4 $ 133,000 $ 33,250 $ 37,000
Kings, New York 4 $ 349,000 $ 87,250 $ 64,000
Alamance, North Carolina 4 $ 405,000 $ 101,250 $ 78,000
Craven, North Carolina 4 $ 254,000 $ 63,500 $ 36,000
Henderson, North Carolina 4 $ 228,000 $ 57,000 $ 50,000
Moore, North Carolina 4 $ 317,000 $ 79,250 $ 41,000
Florence, South Carolina 4 $ 466,000 $ 116,500 $ 82,000
Georgetown, South Carolina 4 $ 429,000 $ 107,250 $ 43,000
Hawkins, Tennessee 4 $ 186,000 $ 46,500 $ 40,000
Hickman, Tennessee 4 $ 231,000 $ 57,750 $ 49,000
Knox, Tennessee 4 $ 282,000 $ 70,500 $ 43,000
Weakley, Tennessee 4 $ 193,000 $ 48,250 $ 27,000
White, Tennessee 4 $ 228,000 $ 57,000 $ 33,000
Wilson, Tennessee 4 $ 529,000 $ 132,250 $ 70,000
Gillespie, Texas 4 $ 379,000 $ 94,750 $ 62,000
Hays, Texas 4 $ 26,234,000 $ 6,558,500 $ 63,000
Henderson, Texas 4 $ 176,000 $ 44,000 $ 112,000
Hunt, Texas 4 $ 610,000 $ 152,500 $ 66,000
Williamson, Texas 4 $ 426,000 $ 106,500 $ 111,000
Hopewell, Virginia 4 $ 292,000 $ 73,000 $ 30,000
James City, Virginia 4 $ 266,000 $ 66,500 $ 121,000
Powhatan, Virginia 4 $ 628,000 $ 157,000 $ 50,000
Bullock, Alabama 3 $ 48,000 $ 16,000 $ 48,000
Marengo, Alabama 3 $ 231,000 $ 77,000 $ 60,000
Maricopa, Arizona 3 $ 16,537,000 $ 5,512,333 $ 16,000
Calhoun, Florida 3 $ 138,000 $ 46,000 $ 40,000
Franklin, Florida 3 $ 614,000 $ 204,666 $ 193,000
Hardee, Florida 3 $ 176,000 $ 58,666 $ 53,000
Lafayette, Florida 3 $ 152,000 $ 50,666 $ 30,000
Madison, Florida 3 $ 139,000 $ 46,333 $ 21,000
Bacon, Georgia 3 $ 42,000 $ 14,000 $ 44,000
Berrien, Georgia 3 $ 147,000 $ 49,000 $ 37,000
Bleckley, Georgia 3 $ 242,000 $ 80,666 $ 181,000
Chattahoochee, Georgia 3 $ 93,000 $ 31,000 $ 34,000
Cook, Georgia 3 $ 167,000 $ 55,666 $ 39,000
Dawson, Georgia 3 $ 533,000 $ 177,666 $ 92,000
Early, Georgia 3 $ 147,000 $ 49,000 $ 44,000
Effingham, Georgia 3 $ 250,000 $ 83,333 $ 56,000
Elbert, Georgia 3 $ 200,000 $ 66,666 $ 210,000
Jones, Georgia 3 $ 162,000 $ 54,000 $ 48,000
Lincoln, Georgia 3 $ 82,000 $ 27,333 $ 26,000
Marion, Georgia 3 $ 869,000 $ 289,666 $ 222,000
McDuffie, Georgia 3 $ 92,000 $ 30,666 $ 45,000
Mitchell, Georgia 3 $ 176,000 $ 58,666 $ 36,000
Peach, Georgia 3 $ 173,000 $ 57,666 $ 48,000
Pierce, Georgia 3 $ 91,000 $ 30,333 $ 57,000
Treutlen, Georgia 3 $ 115,000 $ 38,333 $ 45,000
Union, Georgia 3 $ 256,000 $ 85,333 $ 95,000
Wheeler, Georgia 3 $ 68,000 $ 22,666 $ 33,000
White, Georgia 3 $ 316,000 $ 105,333 $ 71,000
Marion, Indiana 3 $ 96,000 $ 32,000 $ 48,000
Orleans, Louisiana 3 $ 1,255,000 $ 418,333 $ 206,000
Anne Arundel, Maryland 3 $ 167,000 $ 55,666 $ 22,000
Norfolk, Massachusetts 3 $ 127,000 $ 42,333 $ 205,000
Calhoun, Mississippi 3 $ 148,000 $ 49,333 $ 52,000
DeSoto, Mississippi 3 $ 465,000 $ 155,000 $ 190,000
Franklin, Mississippi 3 $ 140,000 $ 46,666 $ 39,000
Greene, Mississippi 3 $ 185,000 $ 61,666 $ 65,000
Lawrence, Mississippi 3 $ 103,000 $ 34,333 $ 53,000
Leake, Mississippi 3 $ 108,000 $ 36,000 $ 50,000
Pike, Mississippi 3 $ 250,000 $ 83,333 $ 46,000
Tate, Mississippi 3 $ 186,000 $ 62,000 $ 33,000
Tishomingo, Mississippi 3 $ 85,000 $ 28,333 $ 20,000
Walthall, Mississippi 3 $ 126,000 $ 42,000 $ 44,000
Washington, Mississippi 3 $ 97,000 $ 32,333 $ 133,000
Winston, Mississippi 3 $ 111,000 $ 37,000 $ 37,000
Merrimack, New Hampshire 3 $ 165,000 $ 55,000 $ 46,000
Atlantic, New Jersey 3 $ 171,000 $ 57,000 $ 38,000
Avery, North Carolina 3 $ 227,000 $ 75,666 $ 87,000
Bertie, North Carolina 3 $ 188,000 $ 62,666 $ 34,000
Bladen, North Carolina 3 $ 225,000 $ 75,000 $ 59,000
Forsyth, North Carolina 3 $ 436,000 $ 145,333 $ 159,000
Haywood, North Carolina 3 $ 617,000 $ 205,666 $ 221,000
Lincoln, North Carolina 3 $ 2,218,000 $ 739,333 $ 35,000
Macon, North Carolina 3 $ 1,722,000 $ 574,000 $ 239,000
Pitt, North Carolina 3 $ 117,000 $ 39,000 $ 55,000
Robeson, North Carolina 3 $ 149,000 $ 49,666 $ 89,000
Watauga, North Carolina 3 $ 534,000 $ 178,000 $ 143,000
Northampton, Pennsylvania 3 $ 206,000 $ 68,666 $ 37,000
Bamberg, South Carolina 3 $ 126,000 $ 42,000 $ 60,000
Chesterfield, South Carolina 3 $ 161,000 $ 53,666 $ 101,000
Edgefield, South Carolina 3 $ 54,000 $ 18,000 $ 84,000
Greenwood, South Carolina 3 $ 176,000 $ 58,666 $ 39,000
Clay, Tennessee 3 $ 162,000 $ 54,000 $ 35,000
Giles, Tennessee 3 $ 208,000 $ 69,333 $ 46,000
Lincoln, Tennessee 3 $ 637,000 $ 212,333 $ 68,000
Sumner, Tennessee 3 $ 547,000 $ 182,333 $ 69,000
Tipton, Tennessee 3 $ 158,000 $ 52,666 $ 86,000
Van Buren, Tennessee 3 $ 221,000 $ 73,666 $ 56,000
Washington, Tennessee 3 $ 214,000 $ 71,333 $ 51,000
Grayson, Texas 3 $ 380,000 $ 126,666 $ 326,000
Guadalupe, Texas 3 $ 150,000 $ 50,000 $ 72,000
Hood, Texas 3 $ 141,000 $ 47,000 $ 69,000
Jasper, Texas 3 $ 115,000 $ 38,333 $ 38,000
Kaufman, Texas 3 $ 101,000 $ 33,666 $ 123,000
Navarro, Texas 3 $ 46,000 $ 15,333 $ 25,000
Loudoun, Virginia 3 $ 399,000 $ 133,000 $ 46,000
Monroe, Alabama 2 $ 64,000 $ 32,000 $ 34,000
Pickens, Alabama 2 $ 110,000 $ 55,000 $ 26,000
Sumter, Alabama 2 $ 118,000 $ 59,000 $ 60,000
New London, Connecticut 2 $ 407,000 $ 203,500 $ 90,000
Bradford, Florida 2 $ 90,000 $ 45,000 $ 89,000
Glades, Florida 2 $ 214,000 $ 107,000 $ 93,000
Baldwin, Georgia 2 $ 107,000 $ 53,500 $ 46,000
Banks, Georgia 2 $ 169,000 $ 84,500 $ 49,000
Brantley, Georgia 2 $ 76,000 $ 38,000 $ 55,000
Bryan, Georgia 2 $ 81,000 $ 40,500 $ 16,000
Burke, Georgia 2 $ 48,000 $ 24,000 $ 45,000
Camden, Georgia 2 $ 88,000 $ 44,000 $ 36,000
Colquitt, Georgia 2 $ 88,000 $ 44,000 $ 34,000
Emanuel, Georgia 2 $ 164,000 $ 82,000 $ 38,000
Fannin, Georgia 2 $ 225,000 $ 112,500 $ 40,000
Franklin, Georgia 2 $ 127,000 $ 63,500 $ 56,000
Grady, Georgia 2 $ 106,000 $ 53,000 $ 88,000
Heard, Georgia 2 $ 79,000 $ 39,500 $ 41,000
Jeff Davis, Georgia 2 $ 112,000 $ 56,000 $ 44,000
Jenkins, Georgia 2 $ 82,000 $ 41,000 $ 41,000
Johnson, Georgia 2 $ 67,000 $ 33,500 $ 22,000
Lumpkin, Georgia 2 $ 117,000 $ 58,500 $ 92,000
Oglethorpe, Georgia 2 $ 70,000 $ 35,000 $ 38,000
Pickens, Georgia 2 $ 224,000 $ 112,000 $ 93,000
Polk, Georgia 2 $ 99,000 $ 49,500 $ 35,000
Stewart, Georgia 2 $ 20,000 $ 10,000 $ 45,000
Thomas, Georgia 2 $ 121,000 $ 60,500 $ 47,000
Tift, Georgia 2 $ 162,000 $ 81,000 $ 41,000
Troup, Georgia 2 $ 95,000 $ 47,500 $ 58,000
Wilkes, Georgia 2 $ 95,000 $ 47,500 $ 26,000
Jefferson, Kentucky 2 $ 254,000 $ 127,000 $ 51,000
Jefferson, Louisiana 2 $ 532,000 $ 266,000 $ 10,000
Lafayette, Louisiana 2 $ 53,000 $ 26,500 $ 43,000
Baltimore, Maryland 2 $ 81,000 $ 40,500 $ 30,000
Plymouth, Massachusetts 2 $ 75,000 $ 37,500 $ 58,000
Branch, Michigan 2 $ 154,000 $ 77,000 $ 32,000
Clare, Michigan 2 $ 59,000 $ 29,500 $ 41,000
Macomb, Michigan 2 $ 181,000 $ 90,500 $ 74,000
Wayne, Michigan 2 $ 96,000 $ 48,000 $ 50,000
Adams, Mississippi 2 $ 93,000 $ 46,500 $ 34,000
Choctaw, Mississippi 2 $ 147,000 $ 73,500 $ 52,000
Marion, Mississippi 2 $ 100,000 $ 50,000 $ 52,000
Montgomery, Mississippi 2 $ 90,000 $ 45,000 $ 41,000
Pearl River, Mississippi 2 $ 56,000 $ 28,000 $ 154,000
Pontotoc, Mississippi 2 $ 107,000 $ 53,500 $ 37,000
Wayne, Mississippi 2 $ 75,000 $ 37,500 $ 51,000
St. Charles, Missouri 2 $ 106,000 $ 53,000 $ 34,000
Hillsborough, New Hampshire 2 $ 118,000 $ 59,000 $ 81,000
Rockingham, New Hampshire 2 $ 323,000 $ 161,500 $ 42,000
Camden, New Jersey 2 $ 82,000 $ 41,000 $ 53,000
Union, New Jersey 2 $ 138,000 $ 69,000 $ 58,000
Bronx, New York 2 $ 128,000 $ 64,000 $ 51,000
Onondaga, New York 2 $ 100,000 $ 50,000 $ 78,000
Orange, New York 2 $ 170,000 $ 85,000 $ 18,000
Buncombe, North Carolina 2 $ 278,000 $ 139,000 $ 40,000
Chowan, North Carolina 2 $ 103,000 $ 51,500 $ 68,000
Davidson, North Carolina 2 $ 238,000 $ 119,000 $ 15,000
Edgecombe, North Carolina 2 $ 106,000 $ 53,000 $ 56,000
Harnett, North Carolina 2 $ 154,000 $ 77,000 $ 71,000
Martin, North Carolina 2 $ 102,000 $ 51,000 $ 33,000
Stokes, North Carolina 2 $ 125,000 $ 62,500 $ 42,000
Vance, North Carolina 2 $ 247,000 $ 123,500 $ 78,000
Wayne, North Carolina 2 $ 132,000 $ 66,000 $ 37,000
Lake, Ohio 2 $ 106,000 $ 53,000 $ 115,000
Lorain, Ohio 2 $ 96,000 $ 48,000 $ 28,000
Lucas, Ohio 2 $ 50,000 $ 25,000 $ 91,000
Summit, Ohio 2 $ 92,000 $ 46,000 $ 60,000
Berks, Pennsylvania 2 $ 136,000 $ 68,000 $ 74,000
Monroe, Pennsylvania 2 $ 168,000 $ 84,000 $ 233,000
Allendale, South Carolina 2 $ 71,000 $ 35,500 $ 76,000
Barnwell, South Carolina 2 $ 67,000 $ 33,500 $ 17,000
Darlington, South Carolina 2 $ 128,000 $ 64,000 $ 47,000
Jasper, South Carolina 2 $ 124,000 $ 62,000 $ 31,000
Lancaster, South Carolina 2 $ 146,000 $ 73,000 $ 62,000
Lee, South Carolina 2 $ 91,000 $ 45,500 $ 39,000
McCormick, South Carolina 2 $ 160,000 $ 80,000 $ 68,000
Newberry, South Carolina 2 $ 516,000 $ 258,000 $ 442,000
Pickens, South Carolina 2 $ 439,000 $ 219,500 $ 353,000
Bedford, Tennessee 2 $ 61,000 $ 30,500 $ 27,000
Blount, Tennessee 2 $ 124,000 $ 62,000 $ 34,000
Cannon, Tennessee 2 $ 118,000 $ 59,000 $ 34,000
Coffee, Tennessee 2 $ 79,000 $ 39,500 $ 19,000
Gibson, Tennessee 2 $ 122,000 $ 61,000 $ 45,000
Henderson, Tennessee 2 $ 150,000 $ 75,000 $ 44,000
Lawrence, Tennessee 2 $ 158,000 $ 79,000 $ 30,000
Montgomery, Tennessee 2 $ 90,000 $ 45,000 $ 123,000
Polk, Tennessee 2 $ 102,000 $ 51,000 $ 30,000
Unicoi, Tennessee 2 $ 142,000 $ 71,000 $ 46,000
Bastrop, Texas 2 $ 159,000 $ 79,500 $ 42,000
Brewster, Texas 2 $ 85,000 $ 42,500 $ 37,000
Colorado, Texas 2 $ 77,000 $ 38,500 $ 66,000
El Paso, Texas 2 $ 58,000 $ 29,000 $ 63,000
Fayette, Texas 2 $ 101,000 $ 50,500 $ 35,000
Gregg, Texas 2 $ 272,000 $ 136,000 $ 70,000
Jim Hogg, Texas 2 $ 78,000 $ 39,000 $ 56,000
Limestone, Texas 2 $ 172,000 $ 86,000 $ 143,000
Lubbock, Texas 2 $ 141,000 $ 70,500 $ 174,000
Maverick, Texas 2 $ 134,000 $ 67,000 $ 58,000
McLennan, Texas 2 $ 97,000 $ 48,500 $ 167,000
Parker, Texas 2 $ 235,000 $ 117,500 $ 74,000
Polk, Texas 2 $ 88,000 $ 44,000 $ 30,000
San Jacinto, Texas 2 $ 37,000 $ 18,500 $ 25,000
Smith, Texas 2 $ 50,000 $ 25,000 $ 28,000
Tyler, Texas 2 $ 388,000 $ 194,000 $ 291,000
Washington, Texas 2 $ 91,000 $ 45,500 $ 44,000
Alexandria, Virginia 2 $ 196,000 $ 98,000 $ 128,000
Fauquier, Virginia 2 $ 319,000 $ 159,500 $ 100,000
Franklin, Virginia 2 $ 425,000 $ 212,500 $ 159,000
Isle of Wight, Virginia 2 $ 714,000 $ 357,000 $ 155,000
Louisa, Virginia 2 $ 198,000 $ 99,000 $ 67,000
Northampton, Virginia 2 $ 181,000 $ 90,500 $ 90,000
York, Virginia 2 $ 200,000 $ 100,000 $ 155,000
Kenosha, Wisconsin 2 $ 197,000 $ 98,500 $ 173,000
Choctaw, Alabama 1 $ 35,000 $ 35,000 $ 22,000
Fairbanks North Star, Alaska 1 $ 81,000 $ 81,000 $ 72,000
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Mortgage Loan Application Detail Totals for South Trust Bank in 2004

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 7,946 $1,422,781,000 $200,837 $28,625,000 $77,810 $5,384,000
Refinancing 6,260 $713,273,000 $645,250 $15,000,000 $84,687 $9,999,000
Home Improvement 3,970 $132,915,000 $48,083 $9,000,000 $72,416 $5,200,000

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 9,913 $697,046,000 $68,333 $1,928,000 $64,638 $5,384,000
Not applicable 4,303 $1,328,176,000 $716,000 $28,625,000 $101,368 $9,999,000
Black or African American 1,587 $71,114,000 $63,642 $557,000 $79,571 $3,840,000
Not Provided 1,519 $112,370,000 $89,142 $1,800,000 $104,952 $5,200,000
Hispanic 563 $32,917,000 $55,666 $434,000 $57,500 $904,000
Asian 202 $19,984,000 $81,666 $845,000 $76,555 $560,000
American Indian or Alaskan Native 60 $4,606,000 $54,285 $882,000 $54,857 $829,000
Native Hawaiian or Other Pacific Islander 29 $2,756,000 $86,400 $494,000 $122,400 $507,000

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) 18,153 $2,268,124,000 $217,842 $28,625,000 $78,921 $9,999,000
FHA-insured (Federal Housing Administration) 20 $717,000 $37,000 $175,000 $57,600 $413,000
VA-guaranteed (Veterans Administration) 3 $128,000 $42,666 $75,000 $73,333 $106,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 7,172 $1,093,730,000 $491,846 $28,625,000 $94,615 $5,384,000
Application Denied By Financial Institution 4,624 $273,378,000 $55,718 $996,000 $57,406 $2,640,000
Loan Purchased By The Institution 3,921 $717,980,000 $212,277 $2,625,000 $122,111 $9,999,000
Application Approved But Not Accepted 2,452 $183,520,000 $62,322 $925,000 $70,290 $3,840,000
Application Withdrawn By Applicant 7 $361,000 $51,000 $90,000 $66,000 $199,000
File Closed For Incompleteness 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 History 2,963 $144,777,000 $49,037 $996,000 $54,592 $2,436,000
Debt-To-Income Ratio 902 $69,826,000 $76,727 $765,000 $52,909 $936,000
Collateral 423 $40,037,000 $81,769 $669,000 $84,615 $978,000
Other 313 $15,815,000 $49,055 $634,000 $62,555 $2,640,000
Unverifiable Information 22 $2,877,000 $131,428 $845,000 $75,571 $317,000
Employment History 1 $46,000 $46,000 $46,000 $19,000 $19,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into South Trust Bank's 2004 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 South Trust 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.
For a list of all lenders in Alabama, download the full spreadsheet with aggregated HMDA statistics today.

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