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Act (HMDA) records South Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta, GA | 3,764 | $ 368,826,000 | $ 97,987 | $ 83,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3,190 | $ 310,782,000 | $ 97,423 | $ 69,000 |
| Birmingham, AL | 2,549 | $ 177,999,000 | $ 69,830 | $ 74,000 |
| Fort Lauderdale, FL | 1,777 | $ 161,386,000 | $ 90,819 | $ 83,000 |
| Orlando, FL | 1,463 | $ 153,509,000 | $ 104,927 | $ 73,000 |
| Mobile, AL | 1,355 | $ 118,678,000 | $ 87,585 | $ 80,000 |
| Jacksonville, FL | 1,316 | $ 139,265,000 | $ 105,824 | $ 91,000 |
| West Palm Beach-Boca Raton, FL | 1,268 | $ 145,366,000 | $ 114,641 | $ 91,000 |
| Sarasota-Bradenton, FL | 1,234 | $ 95,465,000 | $ 77,362 | $ 69,000 |
| Fort Myers-Cape Coral, FL | 1,016 | $ 86,552,000 | $ 85,188 | $ 82,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1,003 | $ 141,522,000 | $ 141,098 | $ 76,000 |
| Daytona Beach, FL | 987 | $ 82,281,000 | $ 83,364 | $ 64,000 |
| Punta Gorda, FL | 879 | $ 70,292,000 | $ 79,968 | $ 58,000 |
| Miami, FL | 840 | $ 90,271,000 | $ 107,465 | $ 116,000 |
| Raleigh-Durham-Chapel Hill, NC | 831 | $ 59,230,000 | $ 71,275 | $ 76,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 699 | $ 52,547,000 | $ 75,174 | $ 91,000 |
| Huntsville, AL | 686 | $ 58,934,000 | $ 85,909 | $ 92,000 |
| Dothan, AL | 675 | $ 35,699,000 | $ 52,887 | $ 64,000 |
| Augusta-Aiken, GA-SC | 623 | $ 30,804,000 | $ 49,444 | $ 66,000 |
| Charleston-North Charleston, SC | 478 | $ 54,305,000 | $ 113,608 | $ 80,000 |
| Montgomery, AL | 474 | $ 35,243,000 | $ 74,352 | $ 76,000 |
| Ocala, FL | 424 | $ 27,799,000 | $ 65,563 | $ 106,000 |
| Houston, TX | 420 | $ 145,696,000 | $ 346,895 | $ 92,000 |
| Richmond-Petersburg, VA | 418 | $ 32,031,000 | $ 76,629 | $ 85,000 |
| Columbus, GA-AL | 413 | $ 30,368,000 | $ 73,530 | $ 70,000 |
| Biloxi-Gulfport-Pascagoula, MS | 406 | $ 27,734,000 | $ 68,310 | $ 70,000 |
| Anniston, AL | 385 | $ 20,211,000 | $ 52,496 | $ 58,000 |
| Pensacola, FL | 380 | $ 45,253,000 | $ 119,086 | $ 97,000 |
| Greensboro--Winston-Salem--High Point, NC | 349 | $ 28,943,000 | $ 82,931 | $ 74,000 |
| Columbia, SC | 346 | $ 58,783,000 | $ 169,893 | $ 71,000 |
| Greenville-Spartanburg-Anderson, SC | 316 | $ 24,400,000 | $ 77,215 | $ 71,000 |
| Gadsden, AL | 275 | $ 12,895,000 | $ 46,890 | $ 53,000 |
| Tuscaloosa, AL | 271 | $ 24,245,000 | $ 89,464 | $ 67,000 |
| Naples, FL | 260 | $ 28,084,000 | $ 108,015 | $ 80,000 |
| Memphis, TN-AR-MS | 259 | $ 23,514,000 | $ 90,787 | $ 96,000 |
| Auburn-Opelika, AL | 242 | $ 16,640,000 | $ 68,760 | $ 64,000 |
| Beaumont-Port Arthur, TX | 230 | $ 11,534,000 | $ 50,147 | $ 72,000 |
| Dallas, TX | 203 | $ 89,837,000 | $ 442,546 | $ 105,000 |
| Lakeland-Winter Haven, FL | 196 | $ 12,571,000 | $ 64,137 | $ 58,000 |
| Nashville, TN | 191 | $ 63,718,000 | $ 333,602 | $ 95,000 |
| Decatur, AL | 174 | $ 9,172,000 | $ 52,712 | $ 62,000 |
| San Antonio, TX | 170 | $ 33,971,000 | $ 199,829 | $ 61,000 |
| Florence, AL | 163 | $ 8,354,000 | $ 51,251 | $ 60,000 |
| Fort Worth-Arlington, TX | 162 | $ 46,746,000 | $ 288,555 | $ 84,000 |
| Jackson, MS | 157 | $ 12,924,000 | $ 82,318 | $ 104,000 |
| Melbourne-Titusville-Palm Bay, FL | 154 | $ 36,679,000 | $ 238,175 | $ 78,000 |
| Savannah, GA | 153 | $ 28,406,000 | $ 185,660 | $ 80,000 |
| Fort Walton Beach, FL | 146 | $ 13,616,000 | $ 93,260 | $ 93,000 |
| Panama City, FL | 130 | $ 13,585,000 | $ 104,500 | $ 77,000 |
| Fort Pierce-Port St. Lucie, FL | 129 | $ 11,212,000 | $ 86,914 | $ 108,000 |
| Myrtle Beach, SC | 127 | $ 11,215,000 | $ 88,307 | $ 119,000 |
| Gainesville, FL | 126 | $ 51,431,000 | $ 408,182 | $ 133,000 |
| Tallahassee, FL | 108 | $ 27,624,000 | $ 255,777 | $ 72,000 |
| Hattiesburg, MS | 60 | $ 4,055,000 | $ 67,583 | $ 80,000 |
| Austin-San Marcos, TX | 51 | $ 23,550,000 | $ 461,764 | $ 89,000 |
| Athens, GA | 45 | $ 2,695,000 | $ 59,888 | $ 72,000 |
| Wilmington, NC | 34 | $ 3,352,000 | $ 98,588 | $ 116,000 |
| Goldsboro, NC | 27 | $ 658,000 | $ 24,370 | $ 22,000 |
| Hickory-Morganton-Lenoir, NC | 25 | $ 2,241,000 | $ 89,640 | $ 63,000 |
| Galveston-Texas City, TX | 21 | $ 21,412,000 | $ 1,019,619 | $ 87,000 |
| Knoxville, TN | 21 | $ 2,892,000 | $ 137,714 | $ 122,000 |
| Chattanooga, TN-GA | 20 | $ 1,251,000 | $ 62,550 | $ 52,000 |
| Macon, GA | 15 | $ 956,000 | $ 63,733 | $ 39,000 |
| Brazoria, TX | 12 | $ 785,000 | $ 65,416 | $ 83,000 |
| Asheville, NC | 11 | $ 17,983,000 | $ 1,634,818 | $ 64,000 |
| Jacksonville, NC | 9 | $ 633,000 | $ 70,333 | $ 91,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 9 | $ 477,000 | $ 53,000 | $ 31,000 |
| Nassau-Suffolk, NY | 9 | $ 695,000 | $ 77,222 | $ 57,000 |
| New York, NY | 9 | $ 600,000 | $ 66,666 | $ 38,000 |
| Philadelphia, PA-NJ | 8 | $ 689,000 | $ 86,125 | $ 133,000 |
| Detroit, MI | 7 | $ 455,000 | $ 65,000 | $ 65,000 |
| Sumter, SC | 7 | $ 457,000 | $ 65,285 | $ 130,000 |
| Charlottesville, VA | 6 | $ 750,000 | $ 125,000 | $ 79,000 |
| Chicago, IL | 6 | $ 372,000 | $ 62,000 | $ 64,000 |
| Fayetteville, NC | 6 | $ 470,000 | $ 78,333 | $ 63,000 |
| Florence, SC | 6 | $ 267,000 | $ 44,500 | $ 39,000 |
| New Orleans, LA | 6 | $ 301,000 | $ 50,166 | $ 38,000 |
| Baton Rouge, LA | 5 | $ 19,810,000 | $ 3,962,000 | $ 60,000 |
| Greenville, NC | 5 | $ 110,000 | $ 22,000 | $ 18,000 |
| Hartford, CT | 5 | $ 193,000 | $ 38,600 | $ 56,000 |
| Longview-Marshall, TX | 5 | $ 288,000 | $ 57,600 | $ 44,000 |
| Washington, DC-MD-VA-WV | 5 | $ 33,303,000 | $ 6,660,600 | $ 0 |
| Baltimore, MD | 4 | $ 245,000 | $ 61,250 | $ 137,000 |
| Los Angeles-Long Beach, CA | 4 | $ 13,315,000 | $ 3,328,750 | $ 160,000 |
| Louisville, KY-IN | 4 | $ 748,000 | $ 187,000 | $ 114,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 113,000 | $ 28,250 | $ 46,000 |
| Tyler, TX | 4 | $ 169,000 | $ 42,250 | $ 41,000 |
| Worcester, MA-CT | 4 | $ 182,000 | $ 45,500 | $ 57,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 231,000 | $ 77,000 | $ 32,000 |
| Atlantic-Cape May, NJ | 3 | $ 240,000 | $ 80,000 | $ 345,000 |
| Bryan-College Station, TX | 3 | $ 152,000 | $ 50,666 | $ 57,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 149,000 | $ 49,666 | $ 55,000 |
| Cleveland-Lorain-Elyria, OH | 3 | $ 216,000 | $ 72,000 | $ 30,000 |
| Columbus, OH | 3 | $ 55,000 | $ 18,333 | $ 56,000 |
| El Paso, TX | 3 | $ 152,000 | $ 50,666 | $ 47,000 |
| Flint, MI | 3 | $ 110,000 | $ 36,666 | $ 43,000 |
| Odessa-Midland, TX | 3 | $ 156,000 | $ 52,000 | $ 41,000 |
| Pittsburgh, PA | 3 | $ 158,000 | $ 52,666 | $ 26,000 |
| Rocky Mount, NC | 3 | $ 271,000 | $ 90,333 | $ 58,000 |
| St. Louis, MO-IL | 3 | $ 176,000 | $ 58,666 | $ 107,000 |
| Allentown-Bethlehem-Easton, PA | 2 | $ 133,000 | $ 66,500 | $ 80,000 |
| Boston, MA-NH | 2 | $ 163,000 | $ 81,500 | $ 130,000 |
| Brownsville-Harlingen-San Benito, TX | 2 | $ 84,000 | $ 42,000 | $ 34,000 |
| Canton-Massillon, OH | 2 | $ 202,000 | $ 101,000 | $ 35,000 |
| Charleston, WV | 2 | $ 67,000 | $ 33,500 | $ 55,000 |
| Clarksville-Hopkinsville, TN-KY | 2 | $ 35,000 | $ 17,500 | $ 62,000 |
| Corpus Christi, TX | 2 | $ 91,000 | $ 45,500 | $ 51,000 |
| Danville, VA | 2 | $ 365,000 | $ 182,500 | $ 211,000 |
| Dayton-Springfield, OH | 2 | $ 60,000 | $ 30,000 | $ 81,000 |
| Denver, CO | 2 | $ 302,000 | $ 151,000 | $ 87,000 |
| Gary, IN | 2 | $ 173,000 | $ 86,500 | $ 30,000 |
| Indianapolis, IN | 2 | $ 162,000 | $ 81,000 | $ 19,000 |
| Jonesboro, AR | 2 | $ 268,000 | $ 134,000 | $ 38,000 |
| Lancaster, PA | 2 | $ 149,000 | $ 74,500 | $ 45,000 |
| Lubbock, TX | 2 | $ 31,498,000 | $ 15,749,000 | $ 0 |
| Manchester, NH | 2 | $ 109,000 | $ 54,500 | $ 22,000 |
| Middlesex-Somerset-Hunterdon, NJ | 2 | $ 68,000 | $ 34,000 | $ 51,000 |
| Monmouth-Ocean, NJ | 2 | $ 188,000 | $ 94,000 | $ 67,000 |
| New Bedford, MA | 2 | $ 77,000 | $ 38,500 | $ 113,000 |
| Rochester, NY | 2 | $ 82,000 | $ 41,000 | $ 24,000 |
| Sacramento, CA | 2 | $ 80,000 | $ 40,000 | $ 33,000 |
| Sherman-Denison, TX | 2 | $ 13,034,000 | $ 6,517,000 | $ 68,000 |
| Waterbury, CT | 2 | $ 77,000 | $ 38,500 | $ 70,000 |
| Abilene, TX | 1 | $ 76,000 | $ 76,000 | $ 29,000 |
| Akron, OH | 1 | $ 80,000 | $ 80,000 | $ 118,000 |
| Albuquerque, NM | 1 | $ 19,000 | $ 19,000 | $ 60,000 |
| Bangor, ME | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
| Barnstable-Yarmouth, MA | 1 | $ 42,000 | $ 42,000 | $ 12,000 |
| Bergen-Passaic, NJ | 1 | $ 49,000 | $ 49,000 | $ 41,000 |
| Binghamton, NY | 1 | $ 112,000 | $ 112,000 | $ 75,000 |
| Boulder-Longmont, CO | 1 | $ 70,000 | $ 70,000 | $ 105,000 |
| Brockton, MA | 1 | $ 33,000 | $ 33,000 | $ 18,000 |
| Cincinnati, OH-KY-IN | 1 | $ 58,000 | $ 58,000 | $ 16,000 |
| Columbia, MO | 1 | $ 91,000 | $ 91,000 | $ 37,000 |
| Danbury, CT | 1 | $ 179,000 | $ 179,000 | $ 174,000 |
| Dover, DE | 1 | $ 50,000 | $ 50,000 | $ 81,000 |
| Duluth-Superior, MN-WI | 1 | $ 32,000 | $ 32,000 | $ 62,000 |
| Eau Claire, WI | 1 | $ 180,000 | $ 180,000 | $ 25,000 |
| Erie, PA | 1 | $ 128,000 | $ 128,000 | $ 65,000 |
| Evansville-Henderson, IN-KY | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Fayetteville-Springdale-Rogers, AR | 1 | $ 14,445,000 | $ 14,445,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Hamilton-Middletown, OH | 1 | $ 118,000 | $ 118,000 | $ 42,000 |
| Harrisburg-Lebanon-Carlisle, PA | 1 | $ 24,000 | $ 24,000 | $ 26,000 |
| Honolulu, HI | 1 | $ 400,000 | $ 400,000 | $ 1,578,000 |
| Houma, LA | 1 | $ 34,000 | $ 34,000 | $ 17,000 |
| Jersey City, NJ | 1 | $ 106,000 | $ 106,000 | $ 180,000 |
| Killeen-Temple, TX | 1 | $ 61,000 | $ 61,000 | $ 52,000 |
| Kokomo, IN | 1 | $ 48,000 | $ 48,000 | $ 105,000 |
| Lake Charles, LA | 1 | $ 96,000 | $ 96,000 | $ 66,000 |
| Las Vegas, NV-AZ | 1 | $ 11,350,000 | $ 11,350,000 | $ 0 |
| Lewiston-Auburn, ME | 1 | $ 50,000 | $ 50,000 | $ 11,000 |
| Lynchburg, VA | 1 | $ 35,000 | $ 35,000 | $ 73,000 |
| Milwaukee-Waukesha, WI | 1 | $ 12,000 | $ 12,000 | $ 70,000 |
| Minneapolis-St. Paul, MN-WI | 1 | $ 70,000 | $ 70,000 | $ 110,000 |
| New Haven-Meriden, CT | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| New London-Norwich, CT-RI | 1 | $ 23,000 | $ 23,000 | $ 36,000 |
| Oklahoma City, OK | 1 | $ 42,000 | $ 42,000 | $ 48,000 |
| Ponce, PR | 1 | $ 22,000 | $ 22,000 | $ 17,000 |
| Portland, ME | 1 | $ 19,000 | $ 19,000 | $ 37,000 |
| Portsmouth-Rochester, NH-ME | 1 | $ 34,000 | $ 34,000 | $ 40,000 |
| Providence-Fall River-Warwick, RI-MA | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
| Roanoke, VA | 1 | $ 38,000 | $ 38,000 | $ 85,000 |
| San Diego, CA | 1 | $ 945,000 | $ 945,000 | $ 250,000 |
| San Jose, CA | 1 | $ 216,000 | $ 216,000 | $ 38,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 83,000 | $ 83,000 | $ 20,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 66,000 | $ 66,000 | $ 115,000 |
| Shreveport-Bossier City, LA | 1 | $ 43,000 | $ 43,000 | $ 20,000 |
| Sioux Falls, SD | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| South Bend, IN | 1 | $ 130,000 | $ 130,000 | $ 131,000 |
| Springfield, IL | 1 | $ 63,000 | $ 63,000 | $ 117,000 |
| Springfield, MA | 1 | $ 78,000 | $ 78,000 | $ 45,000 |
| Syracuse, NY | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Texarkana, TX-AR | 1 | $ 69,000 | $ 69,000 | $ 42,000 |
| Toledo, OH | 1 | $ 50,000 | $ 50,000 | $ 81,000 |
| Tulsa, OK | 1 | $ 4,750,000 | $ 4,750,000 | $ 0 |
| Vallejo-Fairfield-Napa, CA | 1 | $ 24,000 | $ 24,000 | $ 32,000 |
| Ventura, CA | 1 | $ 72,000 | $ 72,000 | $ 28,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 24,000 | $ 24,000 | $ 21,000 |
| Waco, TX | 1 | $ 43,000 | $ 43,000 | $ 31,000 |
| Youngstown-Warren, OH | 1 | $ 66,000 | $ 66,000 | $ 48,000 |
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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