South Trust Bank Mortgage Lending & HMDA Data, 2003

In 2003, South Trust Bank of Homewood, AL reported 41,192 mortgage applications totaling $4.1 billion. The average application was for $99,941, and applicants reported an average income of $75,840. 37% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Atlanta, GA (3,764), Tampa-St. Petersburg-Clearwater, FL (3,190) and Birmingham, AL (2,549) (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 41,192
Total Mortgage Loan Application Amount $4,116,787,000
Average Mortgage Loan Application Amount $99,941
Highest Mortgage Loan Application Amount $31,852,000
Average Applicant Income $75,840
Highest Applicant Income $9,000,000

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Act (HMDA) records South Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Alabama 1,827 $ 122,046,000 $ 66,801 $ 75,000
Broward, Florida 1,777 $ 161,386,000 $ 90,819 $ 83,000
Pinellas, Florida 1,478 $ 142,656,000 $ 96,519 $ 72,000
Palm Beach, Florida 1,268 $ 145,366,000 $ 114,641 $ 91,000
Lee, Florida 1,016 $ 86,552,000 $ 85,188 $ 82,000
Hillsborough, Florida 970 $ 126,298,000 $ 130,204 $ 69,000
Mobile, Alabama 880 $ 72,023,000 $ 81,844 $ 70,000
Charlotte, Florida 879 $ 70,292,000 $ 79,968 $ 58,000
Miami-Dade, Florida 840 $ 90,271,000 $ 107,465 $ 116,000
Duval, Florida 838 $ 92,045,000 $ 109,838 $ 79,000
Volusia, Florida 838 $ 68,984,000 $ 82,319 $ 60,000
Fulton, Georgia 794 $ 102,417,000 $ 128,988 $ 108,000
Sarasota, Florida 750 $ 62,527,000 $ 83,369 $ 66,000
Orange, Florida 738 $ 104,163,000 $ 141,142 $ 81,000
Gwinnett, Georgia 682 $ 45,330,000 $ 66,466 $ 86,000
Wake, North Carolina 680 $ 49,445,000 $ 72,713 $ 79,000
DeKalb, Georgia 650 $ 103,026,000 $ 158,501 $ 79,000
Madison, Alabama 632 $ 52,737,000 $ 83,444 $ 101,000
Pasco, Florida 630 $ 35,597,000 $ 56,503 $ 61,000
Cobb, Georgia 578 $ 41,287,000 $ 71,430 $ 85,000
Shelby, Alabama 537 $ 44,804,000 $ 83,433 $ 88,000
Mecklenburg, North Carolina 499 $ 109,834,000 $ 220,108 $ 85,000
Manatee, Florida 484 $ 32,938,000 $ 68,053 $ 72,000
Baldwin, Alabama 475 $ 46,655,000 $ 98,221 $ 95,000
Houston, Alabama 474 $ 26,107,000 $ 55,078 $ 76,000
Marion, Florida 424 $ 27,799,000 $ 65,563 $ 106,000
Calhoun, Alabama 385 $ 20,211,000 $ 52,496 $ 58,000
Charleston, South Carolina 365 $ 43,672,000 $ 119,649 $ 91,000
Seminole, Florida 359 $ 26,073,000 $ 72,626 $ 75,000
Richmond, Georgia 357 $ 15,017,000 $ 42,064 $ 64,000
Covington, Alabama 346 $ 18,437,000 $ 53,286 $ 58,000
Muscogee, Georgia 337 $ 24,160,000 $ 71,691 $ 71,000
Harris, Texas 326 $ 106,445,000 $ 326,518 $ 87,000
Virginia Beach, Virginia 320 $ 26,735,000 $ 83,546 $ 127,000
Montgomery, Alabama 301 $ 23,857,000 $ 79,259 $ 78,000
Etowah, Alabama 275 $ 12,895,000 $ 46,890 $ 53,000
Tuscaloosa, Alabama 271 $ 24,245,000 $ 89,464 $ 67,000
Marshall, Alabama 266 $ 16,533,000 $ 62,154 $ 59,000
Columbia, Georgia 265 $ 15,772,000 $ 59,516 $ 70,000
Jackson, Mississippi 265 $ 19,218,000 $ 72,520 $ 73,000
Guilford, North Carolina 264 $ 22,354,000 $ 84,674 $ 78,000
Collier, Florida 260 $ 28,084,000 $ 108,015 $ 80,000
Lake, Florida 246 $ 14,724,000 $ 59,853 $ 68,000
Shelby, Tennessee 245 $ 22,626,000 $ 92,351 $ 99,000
Lee, Alabama 242 $ 16,640,000 $ 68,760 $ 64,000
Greenville, South Carolina 222 $ 17,422,000 $ 78,477 $ 73,000
Cabarrus, North Carolina 217 $ 14,904,000 $ 68,682 $ 78,000
Escambia, Florida 215 $ 27,105,000 $ 126,069 $ 107,000
Clay, Florida 207 $ 18,496,000 $ 89,352 $ 74,000
Dallas, Alabama 205 $ 13,084,000 $ 63,824 $ 53,000
Dale, Alabama 201 $ 9,592,000 $ 47,721 $ 50,000
Polk, Florida 196 $ 12,571,000 $ 64,137 $ 58,000
Richland, South Carolina 191 $ 49,017,000 $ 256,633 $ 83,000
Cullman, Alabama 182 $ 9,606,000 $ 52,780 $ 66,000
Chesterfield, Virginia 177 $ 10,033,000 $ 56,683 $ 98,000
Santa Rosa, Florida 165 $ 18,148,000 $ 109,987 $ 86,000
Cherokee, Georgia 165 $ 12,003,000 $ 72,745 $ 93,000
Morgan, Alabama 164 $ 8,874,000 $ 54,109 $ 59,000
St. Johns, Florida 164 $ 18,835,000 $ 114,847 $ 162,000
Lexington, South Carolina 155 $ 9,766,000 $ 63,006 $ 59,000
Brevard, Florida 154 $ 36,679,000 $ 238,175 $ 78,000
Forsyth, Georgia 153 $ 11,307,000 $ 73,901 $ 84,000
Jefferson, Texas 152 $ 8,257,000 $ 54,322 $ 75,000
Talladega, Alabama 151 $ 8,151,000 $ 53,980 $ 47,000
Flagler, Florida 149 $ 13,297,000 $ 89,241 $ 72,000
Bexar, Texas 149 $ 31,969,000 $ 214,557 $ 60,000
Okaloosa, Florida 146 $ 13,616,000 $ 93,260 $ 93,000
Marion, Alabama 145 $ 7,159,000 $ 49,372 $ 41,000
Tallapoosa, Alabama 143 $ 11,266,000 $ 78,783 $ 76,000
Iredell, North Carolina 143 $ 14,759,000 $ 103,209 $ 75,000
Rutherford, North Carolina 139 $ 7,262,000 $ 52,244 $ 51,000
Clayton, Georgia 137 $ 7,230,000 $ 52,773 $ 52,000
Harrison, Mississippi 132 $ 8,071,000 $ 61,143 $ 66,000
Bay, Florida 130 $ 13,585,000 $ 104,500 $ 77,000
Horry, South Carolina 127 $ 11,215,000 $ 88,307 $ 119,000
Alachua, Florida 126 $ 51,431,000 $ 408,182 $ 133,000
Indian River, Florida 125 $ 27,187,000 $ 217,496 $ 61,000
Lauderdale, Alabama 120 $ 5,421,000 $ 45,175 $ 63,000
Osceola, Florida 120 $ 8,549,000 $ 71,241 $ 58,000
Chatham, Georgia 119 $ 26,027,000 $ 218,714 $ 84,000
Elmore, Alabama 118 $ 8,564,000 $ 72,576 $ 83,000
Russell, Alabama 118 $ 5,880,000 $ 49,830 $ 47,000
Davidson, Tennessee 118 $ 55,840,000 $ 473,220 $ 86,000
Tarrant, Texas 117 $ 44,510,000 $ 380,427 $ 94,000
Walker, Alabama 116 $ 4,616,000 $ 39,793 $ 54,000
Walker, Georgia 114 $ 5,266,000 $ 46,192 $ 43,000
Hernando, Florida 112 $ 6,231,000 $ 55,633 $ 79,000
Chesapeake, Virginia 112 $ 7,303,000 $ 65,205 $ 67,000
Coffee, Alabama 110 $ 5,118,000 $ 46,527 $ 60,000
Nassau, Florida 107 $ 9,889,000 $ 92,420 $ 81,000
Henry, Georgia 106 $ 5,923,000 $ 55,877 $ 65,000
Norfolk, Virginia 102 $ 7,221,000 $ 70,794 $ 71,000
St. Clair, Alabama 100 $ 7,080,000 $ 70,800 $ 55,000
Fayette, Georgia 98 $ 6,750,000 $ 68,877 $ 88,000
Union, North Carolina 98 $ 6,014,000 $ 61,367 $ 94,000
Leon, Florida 95 $ 27,089,000 $ 285,147 $ 84,000
Citrus, Florida 94 $ 6,566,000 $ 69,851 $ 53,000
Gaston, North Carolina 94 $ 5,089,000 $ 54,138 $ 55,000
Jackson, Florida 93 $ 4,345,000 $ 46,720 $ 46,000
Catoosa, Georgia 90 $ 3,830,000 $ 42,555 $ 48,000
Rowan, North Carolina 88 $ 5,363,000 $ 60,943 $ 51,000
Blount, Alabama 85 $ 4,069,000 $ 47,870 $ 49,000
Walton, Florida 84 $ 12,268,000 $ 146,047 $ 193,000
Ellis, Texas 84 $ 3,561,000 $ 42,392 $ 91,000
Pike, Alabama 80 $ 5,376,000 $ 67,200 $ 71,000
Randolph, Alabama 77 $ 5,693,000 $ 73,935 $ 59,000
Berkeley, South Carolina 72 $ 6,723,000 $ 93,375 $ 73,000
Harris, Georgia 70 $ 5,909,000 $ 84,414 $ 71,000
Douglas, Georgia 69 $ 3,695,000 $ 53,550 $ 61,000
St. Lucie, Florida 68 $ 4,730,000 $ 69,558 $ 89,000
Henry, Alabama 67 $ 3,987,000 $ 59,507 $ 44,000
Hinds, Mississippi 67 $ 4,363,000 $ 65,119 $ 91,000
Coweta, Georgia 66 $ 3,882,000 $ 58,818 $ 60,000
Paulding, Georgia 66 $ 3,733,000 $ 56,560 $ 95,000
Spartanburg, South Carolina 66 $ 4,761,000 $ 72,136 $ 86,000
Hall, Georgia 62 $ 5,779,000 $ 93,209 $ 82,000
Martin, Florida 61 $ 6,482,000 $ 106,262 $ 133,000
Durham, North Carolina 61 $ 4,670,000 $ 76,557 $ 63,000
Clay, Alabama 60 $ 2,564,000 $ 42,733 $ 35,000
Dallas, Texas 59 $ 61,922,000 $ 1,049,525 $ 107,000
Aiken, South Carolina 57 $ 2,672,000 $ 46,877 $ 61,000
Autauga, Alabama 55 $ 2,822,000 $ 51,309 $ 61,000
Limestone, Alabama 54 $ 6,197,000 $ 114,759 $ 65,000
Hardin, Texas 54 $ 2,395,000 $ 44,351 $ 75,000
Henrico, Virginia 54 $ 3,896,000 $ 72,148 $ 101,000
Washington, Florida 51 $ 2,361,000 $ 46,294 $ 50,000
Transylvania, North Carolina 51 $ 3,279,000 $ 64,294 $ 75,000
DeSoto, Florida 49 $ 3,573,000 $ 72,918 $ 71,000
Carroll, Georgia 49 $ 2,760,000 $ 56,326 $ 101,000
Rankin, Mississippi 49 $ 3,184,000 $ 64,979 $ 89,000
Geneva, Alabama 48 $ 2,162,000 $ 45,041 $ 57,000
Johnston, North Carolina 48 $ 2,598,000 $ 54,125 $ 57,000
Haralson, Georgia 46 $ 2,052,000 $ 44,608 $ 52,000
Baker, Florida 45 $ 2,338,000 $ 51,955 $ 42,000
Goochland, Virginia 45 $ 2,861,000 $ 63,577 $ 59,000
Colbert, Alabama 43 $ 2,933,000 $ 68,209 $ 56,000
Coffee, Georgia 43 $ 1,903,000 $ 44,255 $ 42,000
Cleburne, Alabama 42 $ 2,026,000 $ 48,238 $ 56,000
Madison, Mississippi 41 $ 5,377,000 $ 131,146 $ 132,000
Cleveland, North Carolina 41 $ 1,440,000 $ 35,121 $ 60,000
Dorchester, South Carolina 41 $ 3,910,000 $ 95,365 $ 58,000
Williamson, Tennessee 39 $ 4,552,000 $ 116,717 $ 102,000
Johnson, Texas 39 $ 1,983,000 $ 50,846 $ 62,000
Petersburg, Virginia 39 $ 2,445,000 $ 62,692 $ 59,000
Escambia, Alabama 38 $ 2,353,000 $ 61,921 $ 52,000
Clarke, Georgia 36 $ 2,218,000 $ 61,611 $ 68,000
Jackson, Georgia 36 $ 1,500,000 $ 41,666 $ 70,000
Telfair, Georgia 36 $ 805,000 $ 22,361 $ 32,000
Cherokee, Alabama 35 $ 1,501,000 $ 42,885 $ 33,000
Fayette, Alabama 35 $ 1,644,000 $ 46,971 $ 43,000
Rockdale, Georgia 35 $ 12,470,000 $ 356,285 $ 116,000
Murray, Georgia 34 $ 1,208,000 $ 35,529 $ 41,000
Barrow, Georgia 32 $ 1,437,000 $ 44,906 $ 66,000
Fort Bend, Texas 32 $ 33,968,000 $ 1,061,500 $ 106,000
Coosa, Alabama 31 $ 1,168,000 $ 37,677 $ 33,000
Laurens, Georgia 31 $ 1,946,000 $ 62,774 $ 113,000
Meriwether, Georgia 31 $ 1,400,000 $ 45,161 $ 39,000
Forrest, Mississippi 31 $ 1,866,000 $ 60,193 $ 63,000
Travis, Texas 31 $ 4,043,000 $ 130,419 $ 108,000
Newport News, Virginia 31 $ 1,710,000 $ 55,161 $ 67,000
Lamar, Mississippi 29 $ 2,189,000 $ 75,482 $ 99,000
Forsyth, North Carolina 29 $ 2,387,000 $ 82,310 $ 80,000
Crenshaw, Alabama 28 $ 1,434,000 $ 51,214 $ 46,000
Monroe, Florida 28 $ 5,665,000 $ 202,321 $ 174,000
Walton, Georgia 27 $ 1,800,000 $ 66,666 $ 110,000
Orange, North Carolina 27 $ 1,419,000 $ 52,555 $ 108,000
Wayne, North Carolina 27 $ 658,000 $ 24,370 $ 22,000
Orangeburg, South Carolina 27 $ 1,299,000 $ 48,111 $ 77,000
York, Virginia 27 $ 1,590,000 $ 58,888 $ 94,000
Denton, Texas 26 $ 20,349,000 $ 782,653 $ 119,000
Hampton, Virginia 26 $ 1,274,000 $ 49,000 $ 66,000
Portsmouth, Virginia 26 $ 956,000 $ 36,769 $ 56,000
New Hanover, North Carolina 25 $ 2,334,000 $ 93,360 $ 114,000
Liberty, Texas 24 $ 978,000 $ 40,750 $ 53,000
Orange, Texas 24 $ 882,000 $ 36,750 $ 58,000
Richmond City, Virginia 24 $ 8,177,000 $ 340,708 $ 107,000
Bartow, Georgia 23 $ 1,416,000 $ 61,565 $ 66,000
Chilton, Alabama 22 $ 911,000 $ 41,409 $ 39,000
Macon, Alabama 22 $ 1,172,000 $ 53,272 $ 60,000
Holmes, Florida 22 $ 1,112,000 $ 50,545 $ 44,000
Suwannee, Florida 22 $ 1,576,000 $ 71,636 $ 65,000
Ben Hill, Georgia 22 $ 740,000 $ 33,636 $ 46,000
Davidson, North Carolina 22 $ 1,647,000 $ 74,863 $ 73,000
York, South Carolina 22 $ 1,569,000 $ 71,318 $ 82,000
Hanover, Virginia 22 $ 1,321,000 $ 60,045 $ 73,000
Chambers, Texas 21 $ 871,000 $ 41,476 $ 65,000
Galveston, Texas 21 $ 21,412,000 $ 1,019,619 $ 87,000
Colonial Heights, Virginia 21 $ 1,180,000 $ 56,190 $ 66,000
Dinwiddie, Virginia 21 $ 1,355,000 $ 64,523 $ 63,000
Sumter, Florida 20 $ 1,163,000 $ 58,150 $ 62,000
Newton, Georgia 20 $ 1,433,000 $ 71,650 $ 65,000
Catawba, North Carolina 20 $ 1,995,000 $ 99,750 $ 58,000
Washington, Georgia 19 $ 577,000 $ 30,368 $ 45,000
Georgetown, South Carolina 19 $ 1,905,000 $ 100,263 $ 87,000
Kershaw, South Carolina 19 $ 990,000 $ 52,105 $ 63,000
Collin, Texas 19 $ 2,474,000 $ 130,210 $ 140,000
Winston, Alabama 18 $ 860,000 $ 47,777 $ 52,000
Effingham, Georgia 18 $ 1,670,000 $ 92,777 $ 82,000
Beaufort, South Carolina 18 $ 2,542,000 $ 141,222 $ 168,000
Hamilton, Tennessee 18 $ 1,153,000 $ 64,055 $ 54,000
Franklin, Alabama 17 $ 611,000 $ 35,941 $ 146,000
Robeson, North Carolina 17 $ 776,000 $ 45,647 $ 24,000
Laurens, South Carolina 17 $ 644,000 $ 37,882 $ 36,000
Bryan, Georgia 16 $ 709,000 $ 44,312 $ 69,000
Troup, Georgia 16 $ 1,081,000 $ 67,562 $ 145,000
Wilson, Tennessee 16 $ 637,000 $ 39,812 $ 64,000
James City, Virginia 16 $ 2,609,000 $ 163,062 $ 159,000
DeKalb, Alabama 15 $ 536,000 $ 35,733 $ 44,000
DeSoto, Mississippi 15 $ 879,000 $ 58,600 $ 117,000
Suffolk, Virginia 15 $ 1,252,000 $ 83,466 $ 106,000
Carteret, North Carolina 14 $ 2,343,000 $ 167,357 $ 199,000
Comal, Texas 14 $ 1,644,000 $ 117,428 $ 95,000
Montgomery, Texas 14 $ 3,107,000 $ 221,928 $ 196,000
Bibb, Alabama 13 $ 487,000 $ 37,461 $ 55,000
Gadsden, Florida 13 $ 535,000 $ 41,153 $ 40,000
Burke, Georgia 13 $ 442,000 $ 34,000 $ 38,000
Whitfield, Georgia 13 $ 687,000 $ 52,846 $ 51,000
Panola, Mississippi 13 $ 425,000 $ 32,692 $ 29,000
Polk, North Carolina 13 $ 1,291,000 $ 99,307 $ 105,000
Randolph, North Carolina 13 $ 542,000 $ 41,692 $ 44,000
Anderson, South Carolina 13 $ 1,276,000 $ 98,153 $ 53,000
Lowndes, Alabama 12 $ 492,000 $ 41,000 $ 55,000
Wakulla, Florida 12 $ 646,000 $ 53,833 $ 62,000
Bacon, Georgia 12 $ 389,000 $ 32,416 $ 20,000
Pearl River, Mississippi 12 $ 376,000 $ 31,333 $ 34,000
Alamance, North Carolina 12 $ 1,240,000 $ 103,333 $ 62,000
Pickens, South Carolina 12 $ 808,000 $ 67,333 $ 55,000
Brazoria, Texas 12 $ 785,000 $ 65,416 $ 83,000
Williamson, Texas 12 $ 18,870,000 $ 1,572,500 $ 61,000
Chambers, Alabama 11 $ 1,118,000 $ 101,636 $ 73,000
Jones, Mississippi 11 $ 414,000 $ 37,636 $ 52,000
Simpson, Mississippi 11 $ 430,000 $ 39,090 $ 30,000
Oconee, South Carolina 11 $ 1,248,000 $ 113,454 $ 211,000
Lincoln, Tennessee 11 $ 981,000 $ 89,181 $ 90,000
Lawrence, Alabama 10 $ 298,000 $ 29,800 $ 73,000
Levy, Florida 10 $ 986,000 $ 98,600 $ 71,000
Spalding, Georgia 10 $ 429,000 $ 42,900 $ 52,000
Fayette, Tennessee 10 $ 791,000 $ 79,100 $ 94,000
Fairfax, Virginia 10 $ 27,083,000 $ 2,708,300 $ 144,000
Prince George, Virginia 10 $ 630,000 $ 63,000 $ 152,000
Jackson, Alabama 9 $ 541,000 $ 60,111 $ 70,000
Madison, Florida 9 $ 476,000 $ 52,888 $ 35,000
Putnam, Florida 9 $ 647,000 $ 71,888 $ 114,000
Taylor, Florida 9 $ 473,000 $ 52,555 $ 49,000
Camden, Georgia 9 $ 311,000 $ 34,555 $ 54,000
Lowndes, Georgia 9 $ 437,000 $ 48,555 $ 36,000
Hancock, Mississippi 9 $ 445,000 $ 49,444 $ 73,000
Jefferson Davis, Mississippi 9 $ 299,000 $ 33,222 $ 69,000
Marion, Mississippi 9 $ 220,000 $ 24,444 $ 29,000
Brunswick, North Carolina 9 $ 1,018,000 $ 113,111 $ 120,000
Duplin, North Carolina 9 $ 313,000 $ 34,777 $ 25,000
Haywood, North Carolina 9 $ 442,000 $ 49,111 $ 78,000
Henderson, North Carolina 9 $ 841,000 $ 93,444 $ 98,000
Lenoir, North Carolina 9 $ 212,000 $ 23,555 $ 22,000
Onslow, North Carolina 9 $ 633,000 $ 70,333 $ 91,000
Edgefield, South Carolina 9 $ 481,000 $ 53,444 $ 55,000
Giles, Tennessee 9 $ 424,000 $ 47,111 $ 62,000
Knox, Tennessee 9 $ 1,776,000 $ 197,333 $ 210,000
Poquoson, Virginia 9 $ 835,000 $ 92,777 $ 130,000
Barbour, Alabama 8 $ 450,000 $ 56,250 $ 69,000
Butler, Alabama 8 $ 539,000 $ 67,375 $ 44,000
Lamar, Alabama 8 $ 527,000 $ 65,875 $ 63,000
Columbia, Florida 8 $ 514,000 $ 64,250 $ 84,000
Franklin, Florida 8 $ 685,000 $ 85,625 $ 139,000
Gulf, Florida 8 $ 925,000 $ 115,625 $ 119,000
Bleckley, Georgia 8 $ 953,000 $ 119,125 $ 69,000
Bulloch, Georgia 8 $ 514,000 $ 64,250 $ 41,000
Butts, Georgia 8 $ 340,000 $ 42,500 $ 46,000
Dawson, Georgia 8 $ 560,000 $ 70,000 $ 122,000
Glynn, Georgia 8 $ 527,000 $ 65,875 $ 165,000
Houston, Georgia 8 $ 465,000 $ 58,125 $ 41,000
Pierce, Georgia 8 $ 264,000 $ 33,000 $ 27,000
Talbot, Georgia 8 $ 245,000 $ 30,625 $ 31,000
Ware, Georgia 8 $ 386,000 $ 48,250 $ 45,000
Copiah, Mississippi 8 $ 358,000 $ 44,750 $ 70,000
Covington, Mississippi 8 $ 292,000 $ 36,500 $ 19,000
Buncombe, North Carolina 8 $ 17,840,000 $ 2,230,000 $ 31,000
Franklin, North Carolina 8 $ 407,000 $ 50,875 $ 70,000
Maury, Tennessee 8 $ 653,000 $ 81,625 $ 78,000
Jasper, Texas 8 $ 567,000 $ 70,875 $ 161,000
Appling, Georgia 7 $ 216,000 $ 30,857 $ 22,000
Chattooga, Georgia 7 $ 504,000 $ 72,000 $ 44,000
Emanuel, Georgia 7 $ 307,000 $ 43,857 $ 73,000
Floyd, Georgia 7 $ 365,000 $ 52,142 $ 54,000
Gilmer, Georgia 7 $ 260,000 $ 37,142 $ 79,000
Jeff Davis, Georgia 7 $ 232,000 $ 33,142 $ 35,000
Johnson, Georgia 7 $ 140,000 $ 20,000 $ 41,000
Liberty, Georgia 7 $ 274,000 $ 39,142 $ 24,000
Pike, Georgia 7 $ 589,000 $ 84,142 $ 92,000
Putnam, Georgia 7 $ 1,201,000 $ 171,571 $ 232,000
Marshall, Mississippi 7 $ 421,000 $ 60,142 $ 39,000
Tate, Mississippi 7 $ 297,000 $ 42,428 $ 28,000
Beaufort, North Carolina 7 $ 366,000 $ 52,285 $ 68,000
Chatham, North Carolina 7 $ 691,000 $ 98,714 $ 129,000
Dare, North Carolina 7 $ 575,000 $ 82,142 $ 187,000
Davie, North Carolina 7 $ 673,000 $ 96,142 $ 104,000
Jackson, North Carolina 7 $ 1,223,000 $ 174,714 $ 257,000
Lincoln, North Carolina 7 $ 318,000 $ 45,428 $ 60,000
Macon, North Carolina 7 $ 298,000 $ 42,571 $ 100,000
Stanly, North Carolina 7 $ 332,000 $ 47,428 $ 52,000
Sumter, South Carolina 7 $ 457,000 $ 65,285 $ 130,000
Rutherford, Tennessee 7 $ 474,000 $ 67,714 $ 47,000
Pickens, Alabama 6 $ 201,000 $ 33,500 $ 42,000
Wilcox, Alabama 6 $ 202,000 $ 33,666 $ 46,000
Bradford, Florida 6 $ 502,000 $ 83,666 $ 383,000
Calhoun, Florida 6 $ 295,000 $ 49,166 $ 33,000
Chattahoochee, Georgia 6 $ 299,000 $ 49,833 $ 49,000
Gordon, Georgia 6 $ 304,000 $ 50,666 $ 41,000
Irwin, Georgia 6 $ 173,000 $ 28,833 $ 33,000
Lincoln, Georgia 6 $ 345,000 $ 57,500 $ 78,000
Oconee, Georgia 6 $ 370,000 $ 61,666 $ 95,000
Lee, Mississippi 6 $ 206,000 $ 34,333 $ 54,000
Cumberland, North Carolina 6 $ 470,000 $ 78,333 $ 63,000
Currituck, North Carolina 6 $ 253,000 $ 42,166 $ 60,000
Harnett, North Carolina 6 $ 358,000 $ 59,666 $ 55,000
Moore, North Carolina 6 $ 407,000 $ 67,833 $ 52,000
Rockingham, North Carolina 6 $ 331,000 $ 55,166 $ 40,000
Florence, South Carolina 6 $ 267,000 $ 44,500 $ 39,000
Jasper, South Carolina 6 $ 374,000 $ 62,333 $ 36,000
Newberry, South Carolina 6 $ 254,000 $ 42,333 $ 45,000
Sevier, Tennessee 6 $ 487,000 $ 81,166 $ 56,000
Sumner, Tennessee 6 $ 1,585,000 $ 264,166 $ 184,000
Guadalupe, Texas 6 $ 305,000 $ 50,833 $ 37,000
Kendall, Texas 6 $ 1,254,000 $ 209,000 $ 138,000
Gloucester, Virginia 6 $ 188,000 $ 31,333 $ 107,000
Hale, Alabama 5 $ 436,000 $ 87,200 $ 30,000
District of Columbia, District Of Columbia 5 $ 33,303,000 $ 6,660,600 $ 0
Highlands, Florida 5 $ 377,000 $ 75,400 $ 65,000
Brooks, Georgia 5 $ 313,000 $ 62,600 $ 36,000
Dodge, Georgia 5 $ 192,000 $ 38,400 $ 40,000
Fannin, Georgia 5 $ 421,000 $ 84,200 $ 33,000
Mitchell, Georgia 5 $ 221,000 $ 44,200 $ 32,000
Stewart, Georgia 5 $ 337,000 $ 67,400 $ 56,000
Thomas, Georgia 5 $ 339,000 $ 67,800 $ 68,000
Amite, Mississippi 5 $ 284,000 $ 56,800 $ 42,000
Franklin, Mississippi 5 $ 87,000 $ 17,400 $ 26,000
George, Mississippi 5 $ 262,000 $ 52,400 $ 33,000
Lauderdale, Mississippi 5 $ 138,000 $ 27,600 $ 34,000
Oktibbeha, Mississippi 5 $ 302,000 $ 60,400 $ 54,000
Pike, Mississippi 5 $ 289,000 $ 57,800 $ 32,000
Stone, Mississippi 5 $ 605,000 $ 121,000 $ 24,000
Tallahatchie, Mississippi 5 $ 146,000 $ 29,200 $ 17,000
Union, Mississippi 5 $ 238,000 $ 47,600 $ 36,000
Yalobusha, Mississippi 5 $ 136,000 $ 27,200 $ 22,000
Suffolk, New York 5 $ 425,000 $ 85,000 $ 57,000
Anson, North Carolina 5 $ 136,000 $ 27,200 $ 21,000
Burke, North Carolina 5 $ 246,000 $ 49,200 $ 78,000
Cherokee, North Carolina 5 $ 252,000 $ 50,400 $ 123,000
Granville, North Carolina 5 $ 599,000 $ 119,800 $ 65,000
Pitt, North Carolina 5 $ 110,000 $ 22,000 $ 18,000
Chester, Pennsylvania 5 $ 321,000 $ 64,200 $ 68,000
Barnwell, South Carolina 5 $ 367,000 $ 73,400 $ 53,000
Colleton, South Carolina 5 $ 314,000 $ 62,800 $ 92,000
McCormick, South Carolina 5 $ 460,000 $ 92,000 $ 58,000
Putnam, Tennessee 5 $ 212,000 $ 42,400 $ 32,000
Hood, Texas 5 $ 223,000 $ 44,600 $ 92,000
Hunt, Texas 5 $ 374,000 $ 74,800 $ 52,000
San Jacinto, Texas 5 $ 244,000 $ 48,800 $ 75,000
Isle of Wight, Virginia 5 $ 294,000 $ 58,800 $ 117,000
Louisa, Virginia 5 $ 226,000 $ 45,200 $ 49,000
Clarke, Alabama 4 $ 263,000 $ 65,750 $ 52,000
Washington, Alabama 4 $ 165,000 $ 41,250 $ 23,000
Los Angeles, California 4 $ 13,315,000 $ 3,328,750 $ 160,000
Hartford, Connecticut 4 $ 155,000 $ 38,750 $ 51,000
Hamilton, Florida 4 $ 216,000 $ 54,000 $ 39,000
Hardee, Florida 4 $ 145,000 $ 36,250 $ 51,000
Union, Florida 4 $ 201,000 $ 50,250 $ 35,000
Charlton, Georgia 4 $ 141,000 $ 35,250 $ 46,000
Crawford, Georgia 4 $ 165,000 $ 41,250 $ 57,000
Franklin, Georgia 4 $ 391,000 $ 97,750 $ 32,000
Habersham, Georgia 4 $ 282,000 $ 70,500 $ 98,000
Marion, Georgia 4 $ 243,000 $ 60,750 $ 34,000
Montgomery, Georgia 4 $ 130,000 $ 32,500 $ 52,000
Pickens, Georgia 4 $ 498,000 $ 124,500 $ 133,000
Polk, Georgia 4 $ 184,000 $ 46,000 $ 66,000
Tift, Georgia 4 $ 176,000 $ 44,000 $ 32,000
Toombs, Georgia 4 $ 184,000 $ 46,000 $ 51,000
Jefferson, Kentucky 4 $ 748,000 $ 187,000 $ 114,000
East Baton Rouge, Louisiana 4 $ 19,715,000 $ 4,928,750 $ 56,000
Wayne, Michigan 4 $ 184,000 $ 46,000 $ 25,000
Lafayette, Mississippi 4 $ 140,000 $ 35,000 $ 48,000
Lincoln, Mississippi 4 $ 170,000 $ 42,500 $ 73,000
Scott, Mississippi 4 $ 109,000 $ 27,250 $ 92,000
Tishomingo, Mississippi 4 $ 131,000 $ 32,750 $ 30,000
Warren, Mississippi 4 $ 179,000 $ 44,750 $ 54,000
Washington, Mississippi 4 $ 252,000 $ 63,000 $ 70,000
Nassau, New York 4 $ 270,000 $ 67,500 $ 57,000
Queens, New York 4 $ 173,000 $ 43,250 $ 28,000
Craven, North Carolina 4 $ 180,000 $ 45,000 $ 30,000
Pender, North Carolina 4 $ 168,000 $ 42,000 $ 29,000
Sampson, North Carolina 4 $ 167,000 $ 41,750 $ 67,000
Lancaster, South Carolina 4 $ 141,000 $ 35,250 $ 86,000
Bradley, Tennessee 4 $ 295,000 $ 73,750 $ 29,000
Campbell, Tennessee 4 $ 175,000 $ 43,750 $ 28,000
Franklin, Tennessee 4 $ 432,000 $ 108,000 $ 295,000
Lawrence, Tennessee 4 $ 181,000 $ 45,250 $ 21,000
Tipton, Tennessee 4 $ 97,000 $ 24,250 $ 63,000
Bandera, Texas 4 $ 203,000 $ 50,750 $ 43,000
Hays, Texas 4 $ 376,000 $ 94,000 $ 76,000
Hidalgo, Texas 4 $ 113,000 $ 28,250 $ 46,000
Kaufman, Texas 4 $ 338,000 $ 84,500 $ 100,000
Rockwall, Texas 4 $ 737,000 $ 184,250 $ 116,000
Smith, Texas 4 $ 169,000 $ 42,250 $ 41,000
Tyler, Texas 4 $ 412,000 $ 103,000 $ 207,000
Marengo, Alabama 3 $ 551,000 $ 183,666 $ 43,000
Perry, Alabama 3 $ 41,000 $ 13,666 $ 46,000
New Haven, Connecticut 3 $ 117,000 $ 39,000 $ 67,000
Gilchrist, Florida 3 $ 192,000 $ 64,000 $ 59,000
Jefferson, Florida 3 $ 166,000 $ 55,333 $ 34,000
Liberty, Florida 3 $ 88,000 $ 29,333 $ 55,000
Okeechobee, Florida 3 $ 373,000 $ 124,333 $ 65,000
Dade, Georgia 3 $ 140,000 $ 46,666 $ 28,000
Greene, Georgia 3 $ 299,000 $ 99,666 $ 322,000
Heard, Georgia 3 $ 119,000 $ 39,666 $ 65,000
Jefferson, Georgia 3 $ 241,000 $ 80,333 $ 43,000
Lumpkin, Georgia 3 $ 289,000 $ 96,333 $ 54,000
Madison, Georgia 3 $ 107,000 $ 35,666 $ 44,000
Oglethorpe, Georgia 3 $ 75,000 $ 25,000 $ 24,000
White, Georgia 3 $ 72,000 $ 24,000 $ 28,000
Worth, Georgia 3 $ 186,000 $ 62,000 $ 28,000
Jefferson, Louisiana 3 $ 214,000 $ 71,333 $ 23,000
Worcester, Massachusetts 3 $ 120,000 $ 40,000 $ 61,000
Genesee, Michigan 3 $ 110,000 $ 36,666 $ 43,000
Oakland, Michigan 3 $ 271,000 $ 90,333 $ 119,000
Bolivar, Mississippi 3 $ 199,000 $ 66,333 $ 118,000
Coahoma, Mississippi 3 $ 124,000 $ 41,333 $ 30,000
Greene, Mississippi 3 $ 77,000 $ 25,666 $ 21,000
Itawamba, Mississippi 3 $ 77,000 $ 25,666 $ 27,000
Jasper, Mississippi 3 $ 59,000 $ 19,666 $ 27,000
Lawrence, Mississippi 3 $ 200,000 $ 66,666 $ 48,000
Perry, Mississippi 3 $ 206,000 $ 68,666 $ 38,000
Prentiss, Mississippi 3 $ 124,000 $ 41,333 $ 158,000
Smith, Mississippi 3 $ 91,000 $ 30,333 $ 40,000
Walthall, Mississippi 3 $ 76,000 $ 25,333 $ 17,000
Yazoo, Mississippi 3 $ 103,000 $ 34,333 $ 34,000
Albany, New York 3 $ 231,000 $ 77,000 $ 32,000
Hoke, North Carolina 3 $ 172,000 $ 57,333 $ 53,000
Madison, North Carolina 3 $ 143,000 $ 47,666 $ 120,000
Montgomery, North Carolina 3 $ 260,000 $ 86,666 $ 65,000
Nash, North Carolina 3 $ 271,000 $ 90,333 $ 58,000
Perquimans, North Carolina 3 $ 145,000 $ 48,333 $ 38,000
Watauga, North Carolina 3 $ 510,000 $ 170,000 $ 108,000
Wilkes, North Carolina 3 $ 185,000 $ 61,666 $ 72,000
Franklin, Ohio 3 $ 55,000 $ 18,333 $ 56,000
Abbeville, South Carolina 3 $ 230,000 $ 76,666 $ 49,000
Bamberg, South Carolina 3 $ 86,000 $ 28,666 $ 41,000
Cherokee, South Carolina 3 $ 133,000 $ 44,333 $ 12,000
Chesterfield, South Carolina 3 $ 149,000 $ 49,666 $ 100,000
Darlington, South Carolina 3 $ 205,000 $ 68,333 $ 27,000
Greenwood, South Carolina 3 $ 118,000 $ 39,333 $ 54,000
Union, South Carolina 3 $ 141,000 $ 47,000 $ 43,000
Anderson, Tennessee 3 $ 145,000 $ 48,333 $ 49,000
Coffee, Tennessee 3 $ 113,000 $ 37,666 $ 51,000
Dickson, Tennessee 3 $ 450,000 $ 150,000 $ 189,000
Marshall, Tennessee 3 $ 230,000 $ 76,666 $ 51,000
McMinn, Tennessee 3 $ 202,000 $ 67,333 $ 41,000
Sullivan, Tennessee 3 $ 201,000 $ 67,000 $ 45,000
Washington, Tennessee 3 $ 148,000 $ 49,333 $ 26,000
Bastrop, Texas 3 $ 222,000 $ 74,000 $ 106,000
Brazos, Texas 3 $ 152,000 $ 50,666 $ 57,000
El Paso, Texas 3 $ 152,000 $ 50,666 $ 47,000
Harrison, Texas 3 $ 154,000 $ 51,333 $ 48,000
Houston, Texas 3 $ 165,000 $ 55,000 $ 33,000
Waller, Texas 3 $ 327,000 $ 109,000 $ 95,000
Albemarle, Virginia 3 $ 690,000 $ 230,000 $ 104,000
Fluvanna, Virginia 3 $ 60,000 $ 20,000 $ 54,000
Franklin, Virginia 3 $ 503,000 $ 167,666 $ 37,000
Middlesex, Virginia 3 $ 228,000 $ 76,000 $ 194,000
Powhatan, Virginia 3 $ 52,000 $ 17,333 $ 68,000
Williamsburg, Virginia 3 $ 545,000 $ 181,666 $ 95,000
Bullock, Alabama 2 $ 95,000 $ 47,500 $ 92,000
Choctaw, Alabama 2 $ 113,000 $ 56,500 $ 40,000
Conecuh, Alabama 2 $ 107,000 $ 53,500 $ 233,000
Monroe, Alabama 2 $ 77,000 $ 38,500 $ 548,000
Craighead, Arkansas 2 $ 268,000 $ 134,000 $ 38,000
Sacramento, California 2 $ 80,000 $ 40,000 $ 33,000
Arapahoe, Colorado 2 $ 302,000 $ 151,000 $ 87,000
Lafayette, Florida 2 $ 200,000 $ 100,000 $ 61,000
Atkinson, Georgia 2 $ 94,000 $ 47,000 $ 27,000
Baldwin, Georgia 2 $ 128,000 $ 64,000 $ 47,000
Banks, Georgia 2 $ 47,000 $ 23,500 $ 21,000
Berrien, Georgia 2 $ 56,000 $ 28,000 $ 29,000
Bibb, Georgia 2 $ 186,000 $ 93,000 $ 42,000
Decatur, Georgia 2 $ 63,000 $ 31,500 $ 32,000
Early, Georgia 2 $ 101,000 $ 50,500 $ 75,000
Hart, Georgia 2 $ 325,000 $ 162,500 $ 242,000
Lamar, Georgia 2 $ 75,000 $ 37,500 $ 34,000
Long, Georgia 2 $ 100,000 $ 50,000 $ 40,000
Peach, Georgia 2 $ 120,000 $ 60,000 $ 39,000
Rabun, Georgia 2 $ 222,000 $ 111,000 $ 63,000
Seminole, Georgia 2 $ 119,000 $ 59,500 $ 41,000
Treutlen, Georgia 2 $ 64,000 $ 32,000 $ 25,000
Turner, Georgia 2 $ 122,000 $ 61,000 $ 26,000
Twiggs, Georgia 2 $ 111,000 $ 55,500 $ 20,000
Upson, Georgia 2 $ 95,000 $ 47,500 $ 85,000
Wayne, Georgia 2 $ 111,000 $ 55,500 $ 27,000
Wilcox, Georgia 2 $ 67,000 $ 33,500 $ 80,000
Cook, Illinois 2 $ 112,000 $ 56,000 $ 68,000
Kane, Illinois 2 $ 146,000 $ 73,000 $ 39,000
Porter, Indiana 2 $ 173,000 $ 86,500 $ 30,000
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Mortgage Loan Application Detail Totals for South Trust Bank in 2003

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 Improvement (one-to-four family) 18,855 $1,033,552,000 $71,210 $1,000,000 $108,263 $3,000,000
Home Purchase (one-to-four family) 12,539 $1,001,234,000 $96,170 $23,694,000 $74,756 $3,881,000
Refinancing (home purchase or home improvement, one-to-four family) 9,580 $1,052,492,000 $128,647 $3,600,000 $170,176 $9,000,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 218 $1,029,509,000 $8,115,800 $31,852,000 $0 $0

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 30,601 $2,353,976,000 $79,315 $3,000,000 $126,578 $9,000,000
Information not provided by applicant in mail or telephone application 4,248 $318,925,000 $60,464 $3,600,000 $66,642 $4,109,000
Black 3,286 $149,716,000 $48,294 $566,000 $50,705 $2,019,000
Hispanic 1,579 $104,936,000 $150,285 $1,190,000 $79,357 $936,000
Asian or Pacific Islander 506 $40,639,000 $94,636 $500,000 $123,909 $1,100,000
Not applicable 472 $1,106,833,000 $6,276,466 $31,852,000 $1,666 $296,000
Other 421 $35,459,000 $88,300 $920,000 $86,700 $1,000,000
American Indian or Alaskan Native 79 $6,303,000 $78,500 $483,000 $186,375 $1,200,000

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) 41,169 $4,115,829,000 $656,906 $31,852,000 $107,697 $9,000,000
VA-guaranteed (Veterans Administration) 14 $549,000 $37,500 $125,000 $62,750 $110,000
FHA-insured (Federal Housing Administration) 8 $357,000 $68,000 $100,000 $45,500 $95,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $52,000 $52,000 $52,000 $35,000 $35,000

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 15,144 $2,111,329,000 $1,460,166 $31,852,000 $74,366 $9,000,000
Application Denied By Financial Institution 11,635 $698,773,000 $66,421 $1,000,000 $67,184 $4,200,000
Loan Purchased By The Institution 10,467 $1,018,821,000 $146,555 $3,600,000 $268,444 $4,109,000
Application Approved But Not Accepted 3,946 $287,864,000 $63,833 $1,000,000 $59,733 $2,367,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 6,666 $296,455,000 $47,645 $1,000,000 $59,548 $4,200,000
Debt-To-Income Ratio 2,712 $233,530,000 $69,909 $1,000,000 $44,500 $700,000
Collateral 1,282 $101,396,000 $118,526 $1,000,000 $115,631 $2,625,000
Other 619 $39,414,000 $60,434 $810,000 $67,869 $900,000
Unverifiable Information 356 $27,978,000 $69,090 $950,000 $79,454 $900,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into South Trust Bank's 2003 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.
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