South Trust Mortgage Mortgage Lending & HMDA Data, 2004

In 2004, South Trust Mortgage of Homewood, AL reported 34,700 mortgage applications totaling $5.5 billion, down 36% from 2003. The average application was for $157,393, and applicants reported an average income of $80,881. 78% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (4,114), Birmingham-Hoover, AL (2,441) and Tampa-St. Petersburg-Clearwater, FL (1,448) (applications in parentheses).

Mortgage Company & Address South Trust Mortgage
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 34,700
Total Mortgage Loan Application Amount $5,461,541,000
Average Mortgage Loan Application Amount $157,393
Highest Mortgage Loan Application Amount $3,666,000
Average Applicant Income $80,881
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records South Trust Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Mortgage 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 1,506 $ 237,544,000 $ 157,731 $ 64,000
Bexar, Texas 1,101 $ 141,141,000 $ 128,193 $ 75,000
Broward, Florida 906 $ 193,170,000 $ 213,211 $ 100,000
Fulton, Georgia 814 $ 149,240,000 $ 183,341 $ 86,000
Harris, Texas 811 $ 120,588,000 $ 148,690 $ 88,000
Palm Beach, Florida 786 $ 162,472,000 $ 206,707 $ 86,000
DeKalb, Georgia 766 $ 113,694,000 $ 148,425 $ 76,000
Miami-Dade, Florida 754 $ 142,641,000 $ 189,179 $ 114,000
Orange, Florida 705 $ 107,943,000 $ 153,110 $ 169,000
Shelby, Alabama 700 $ 125,157,000 $ 178,795 $ 82,000
Pinellas, Florida 682 $ 118,675,000 $ 174,010 $ 97,000
Wake, North Carolina 632 $ 117,039,000 $ 185,188 $ 93,000
Lee, Florida 569 $ 93,681,000 $ 164,641 $ 80,000
Charleston, South Carolina 553 $ 117,905,000 $ 213,209 $ 76,000
Madison, Alabama 547 $ 83,716,000 $ 153,045 $ 69,000
Mobile, Alabama 488 $ 60,562,000 $ 124,102 $ 70,000
Baldwin, Alabama 464 $ 79,118,000 $ 170,512 $ 75,000
Horry, South Carolina 459 $ 95,930,000 $ 208,997 $ 198,000
Volusia, Florida 452 $ 62,323,000 $ 137,882 $ 64,000
Gwinnett, Georgia 452 $ 71,242,000 $ 157,615 $ 66,000
Tarrant, Texas 446 $ 53,504,000 $ 119,964 $ 66,000
Hillsborough, Florida 441 $ 76,197,000 $ 172,782 $ 83,000
Cobb, Georgia 440 $ 69,441,000 $ 157,820 $ 66,000
Sarasota, Florida 430 $ 71,120,000 $ 165,395 $ 69,000
Brevard, Florida 413 $ 61,807,000 $ 149,653 $ 68,000
Mecklenburg, North Carolina 389 $ 64,611,000 $ 166,095 $ 70,000
Duval, Florida 388 $ 62,483,000 $ 161,038 $ 85,000
Chatham, Georgia 367 $ 63,421,000 $ 172,809 $ 67,000
Polk, Florida 343 $ 42,682,000 $ 124,437 $ 74,000
Clayton, Georgia 322 $ 36,032,000 $ 111,900 $ 54,000
Guilford, North Carolina 317 $ 44,859,000 $ 141,511 $ 67,000
Manatee, Florida 280 $ 50,332,000 $ 179,757 $ 59,000
Greenville, South Carolina 278 $ 36,260,000 $ 130,431 $ 65,000
Travis, Texas 272 $ 50,725,000 $ 186,488 $ 108,000
Pasco, Florida 271 $ 34,597,000 $ 127,664 $ 66,000
Seminole, Florida 267 $ 42,507,000 $ 159,202 $ 104,000
Shelby, Tennessee 249 $ 40,592,000 $ 163,020 $ 99,000
Jefferson, Texas 234 $ 26,212,000 $ 112,017 $ 82,000
Dallas, Texas 232 $ 28,553,000 $ 123,073 $ 84,000
St. Lucie, Florida 222 $ 29,481,000 $ 132,797 $ 78,000
Osceola, Florida 220 $ 29,262,000 $ 133,009 $ 57,000
Tuscaloosa, Alabama 218 $ 35,346,000 $ 162,137 $ 80,000
Jackson, Mississippi 218 $ 24,540,000 $ 112,568 $ 55,000
Henry, Georgia 206 $ 28,415,000 $ 137,936 $ 55,000
Montgomery, Alabama 205 $ 33,584,000 $ 163,824 $ 76,000
Collier, Florida 205 $ 47,762,000 $ 232,985 $ 110,000
Richland, South Carolina 204 $ 26,262,000 $ 128,735 $ 64,000
Marion, Florida 199 $ 27,998,000 $ 140,693 $ 56,000
Coweta, Georgia 194 $ 26,148,000 $ 134,783 $ 63,000
Virginia Beach, Virginia 191 $ 35,806,000 $ 187,465 $ 80,000
Muscogee, Georgia 189 $ 24,161,000 $ 127,835 $ 70,000
Lake, Florida 186 $ 26,864,000 $ 144,430 $ 59,000
Davidson, Tennessee 182 $ 27,711,000 $ 152,258 $ 68,000
Escambia, Florida 176 $ 23,244,000 $ 132,068 $ 64,000
Charlotte, Florida 175 $ 23,367,000 $ 133,525 $ 77,000
Flagler, Florida 174 $ 27,253,000 $ 156,626 $ 63,000
Lexington, South Carolina 174 $ 24,090,000 $ 138,448 $ 57,000
Lee, Alabama 173 $ 22,045,000 $ 127,427 $ 67,000
Columbia, Georgia 170 $ 23,775,000 $ 139,852 $ 66,000
Houston, Alabama 162 $ 24,085,000 $ 148,672 $ 76,000
Fort Bend, Texas 149 $ 24,163,000 $ 162,167 $ 98,000
Richmond, Georgia 146 $ 12,944,000 $ 88,657 $ 49,000
Galveston, Texas 146 $ 19,355,000 $ 132,568 $ 109,000
Jefferson, Louisiana 138 $ 17,052,000 $ 123,565 $ 71,000
St. Clair, Alabama 134 $ 18,604,000 $ 138,835 $ 71,000
Chesapeake, Virginia 133 $ 24,297,000 $ 182,684 $ 75,000
Cherokee, Georgia 125 $ 18,991,000 $ 151,928 $ 70,000
Santa Rosa, Florida 124 $ 19,135,000 $ 154,314 $ 61,000
Orleans, Louisiana 120 $ 20,180,000 $ 168,166 $ 98,000
Nassau, Florida 119 $ 23,433,000 $ 196,915 $ 96,000
Harrison, Mississippi 119 $ 15,843,000 $ 133,134 $ 62,000
Berkeley, South Carolina 115 $ 17,616,000 $ 153,182 $ 72,000
Collin, Texas 113 $ 17,047,000 $ 150,858 $ 104,000
Marshall, Alabama 109 $ 17,841,000 $ 163,678 $ 77,000
Forsyth, Georgia 109 $ 21,678,000 $ 198,880 $ 91,000
Chesterfield, Virginia 107 $ 14,655,000 $ 136,962 $ 64,000
St. Johns, Florida 106 $ 28,518,000 $ 269,037 $ 119,000
Paulding, Georgia 100 $ 13,419,000 $ 134,190 $ 59,000
Fayette, Georgia 96 $ 16,527,000 $ 172,156 $ 80,000
Cabarrus, North Carolina 96 $ 14,034,000 $ 146,187 $ 63,000
Tallapoosa, Alabama 88 $ 15,006,000 $ 170,522 $ 105,000
Cullman, Alabama 86 $ 12,241,000 $ 142,337 $ 87,000
Bay, Florida 86 $ 17,349,000 $ 201,732 $ 126,000
Hinds, Mississippi 86 $ 8,318,000 $ 96,720 $ 62,000
Clay, Florida 85 $ 13,542,000 $ 159,317 $ 82,000
Jackson, Georgia 84 $ 10,886,000 $ 129,595 $ 61,000
Henrico, Virginia 83 $ 11,800,000 $ 142,168 $ 62,000
Spartanburg, South Carolina 81 $ 10,835,000 $ 133,765 $ 56,000
Brazoria, Texas 81 $ 10,133,000 $ 125,098 $ 94,000
Williamson, Texas 80 $ 9,191,000 $ 114,887 $ 72,000
Douglas, Georgia 79 $ 10,966,000 $ 138,810 $ 73,000
Union, North Carolina 77 $ 13,109,000 $ 170,246 $ 68,000
Dorchester, South Carolina 77 $ 11,615,000 $ 150,844 $ 64,000
Norfolk, Virginia 77 $ 11,433,000 $ 148,480 $ 66,000
Calhoun, Alabama 75 $ 8,364,000 $ 111,520 $ 69,000
Alachua, Florida 74 $ 9,971,000 $ 134,743 $ 112,000
Leon, Florida 73 $ 11,289,000 $ 154,643 $ 83,000
Newton, Georgia 73 $ 8,421,000 $ 115,356 $ 57,000
Fairfax, Virginia 73 $ 22,228,000 $ 304,493 $ 114,000
Okaloosa, Florida 72 $ 16,181,000 $ 224,736 $ 143,000
Walton, Florida 72 $ 22,299,000 $ 309,708 $ 221,000
Comal, Texas 72 $ 11,676,000 $ 162,166 $ 89,000
Newport News, Virginia 71 $ 9,196,000 $ 129,521 $ 54,000
Montgomery, Texas 70 $ 12,528,000 $ 178,971 $ 125,000
Etowah, Alabama 69 $ 8,393,000 $ 121,637 $ 49,000
Indian River, Florida 69 $ 16,202,000 $ 234,811 $ 131,000
Durham, North Carolina 69 $ 10,963,000 $ 158,884 $ 91,000
Elmore, Alabama 65 $ 11,195,000 $ 172,230 $ 89,000
St. Tammany, Louisiana 64 $ 9,481,000 $ 148,140 $ 67,000
Clarke, Georgia 62 $ 7,016,000 $ 113,161 $ 57,000
Harris, Georgia 59 $ 9,967,000 $ 168,932 $ 103,000
Blount, Alabama 58 $ 8,097,000 $ 139,603 $ 68,000
Denton, Texas 58 $ 7,882,000 $ 135,896 $ 90,000
Jefferson, Kentucky 57 $ 7,027,000 $ 123,280 $ 141,000
Iredell, North Carolina 57 $ 11,743,000 $ 206,017 $ 120,000
Williamson, Tennessee 55 $ 12,823,000 $ 233,145 $ 103,000
Hampton, Virginia 55 $ 6,647,000 $ 120,854 $ 54,000
Hernando, Florida 54 $ 7,156,000 $ 132,518 $ 62,000
Rockdale, Georgia 54 $ 7,496,000 $ 138,814 $ 62,000
Escambia, Alabama 53 $ 4,434,000 $ 83,660 $ 68,000
Morgan, Alabama 53 $ 6,410,000 $ 120,943 $ 68,000
Prince William, Virginia 53 $ 11,875,000 $ 224,056 $ 104,000
Hall, Georgia 51 $ 7,706,000 $ 151,098 $ 76,000
Talladega, Alabama 50 $ 7,427,000 $ 148,540 $ 70,000
Madison, Mississippi 49 $ 10,747,000 $ 219,326 $ 133,000
Bryan, Georgia 48 $ 8,142,000 $ 169,625 $ 78,000
Portsmouth, Virginia 48 $ 5,006,000 $ 104,291 $ 53,000
Walton, Georgia 47 $ 6,845,000 $ 145,638 $ 62,000
East Baton Rouge, Louisiana 47 $ 7,989,000 $ 169,978 $ 74,000
Russell, Alabama 46 $ 5,147,000 $ 111,891 $ 62,000
Rowan, North Carolina 46 $ 5,540,000 $ 120,434 $ 63,000
Rutherford, Tennessee 45 $ 4,992,000 $ 110,933 $ 52,000
Hardin, Texas 45 $ 5,479,000 $ 121,755 $ 80,000
Ellis, Texas 44 $ 6,463,000 $ 146,886 $ 87,000
Citrus, Florida 43 $ 6,648,000 $ 154,604 $ 94,000
Barrow, Georgia 42 $ 4,568,000 $ 108,761 $ 51,000
Spalding, Georgia 42 $ 4,256,000 $ 101,333 $ 59,000
Rankin, Mississippi 42 $ 5,513,000 $ 131,261 $ 66,000
Gaston, North Carolina 42 $ 8,089,000 $ 192,595 $ 104,000
York, South Carolina 42 $ 5,764,000 $ 137,238 $ 75,000
Aiken, South Carolina 41 $ 4,725,000 $ 115,243 $ 54,000
Sevier, Tennessee 41 $ 7,957,000 $ 194,073 $ 158,000
Martin, Florida 40 $ 9,480,000 $ 237,000 $ 97,000
Carroll, Georgia 40 $ 4,190,000 $ 104,750 $ 60,000
Rutherford, North Carolina 40 $ 5,726,000 $ 143,150 $ 74,000
Richmond City, Virginia 40 $ 7,576,000 $ 189,400 $ 73,000
Guadalupe, Texas 39 $ 4,900,000 $ 125,641 $ 60,000
Transylvania, North Carolina 38 $ 5,371,000 $ 141,342 $ 49,000
Suffolk, Virginia 38 $ 6,781,000 $ 178,447 $ 64,000
Monroe, Florida 37 $ 13,299,000 $ 359,432 $ 217,000
Webb, Texas 37 $ 3,952,000 $ 106,810 $ 41,000
Effingham, Georgia 36 $ 4,941,000 $ 137,250 $ 59,000
Prince George's, Maryland 36 $ 7,692,000 $ 213,666 $ 83,000
Forsyth, North Carolina 36 $ 4,646,000 $ 129,055 $ 90,000
Lauderdale, Alabama 35 $ 4,509,000 $ 128,828 $ 119,000
Anderson, South Carolina 35 $ 3,512,000 $ 100,342 $ 78,000
Pickens, South Carolina 35 $ 5,306,000 $ 151,600 $ 82,000
Montgomery, Maryland 34 $ 8,552,000 $ 251,529 $ 118,000
Kendall, Texas 33 $ 6,962,000 $ 210,969 $ 163,000
Bibb, Georgia 31 $ 2,712,000 $ 87,483 $ 89,000
Johnston, North Carolina 31 $ 3,948,000 $ 127,354 $ 54,000
Hanover, Virginia 31 $ 5,672,000 $ 182,967 $ 76,000
Autauga, Alabama 30 $ 3,973,000 $ 132,433 $ 110,000
Marengo, Alabama 30 $ 2,935,000 $ 97,833 $ 55,000
Bartow, Georgia 30 $ 3,977,000 $ 132,566 $ 71,000
Covington, Alabama 29 $ 3,274,000 $ 112,896 $ 47,000
Limestone, Alabama 29 $ 3,653,000 $ 125,965 $ 63,000
Spotsylvania, Virginia 29 $ 5,381,000 $ 185,551 $ 59,000
Orange, North Carolina 28 $ 5,046,000 $ 180,214 $ 128,000
Loudoun, Virginia 28 $ 9,467,000 $ 338,107 $ 89,000
Walker, Georgia 27 $ 2,449,000 $ 90,703 $ 56,000
Lafourche, Louisiana 27 $ 2,753,000 $ 101,962 $ 67,000
Dale, Alabama 26 $ 3,056,000 $ 117,538 $ 58,000
Randolph, Alabama 26 $ 3,257,000 $ 125,269 $ 133,000
Assumption, Louisiana 26 $ 3,080,000 $ 118,461 $ 68,000
Livingston, Louisiana 26 $ 3,363,000 $ 129,346 $ 69,000
York, Virginia 25 $ 3,813,000 $ 152,520 $ 66,000
DeSoto, Florida 24 $ 2,613,000 $ 108,875 $ 49,000
Wilson, Tennessee 24 $ 2,965,000 $ 123,541 $ 70,000
Johnson, Texas 24 $ 2,662,000 $ 110,916 $ 63,000
Ascension, Louisiana 23 $ 2,585,000 $ 112,391 $ 55,000
Walker, Alabama 22 $ 2,611,000 $ 118,681 $ 101,000
New Hanover, North Carolina 22 $ 5,452,000 $ 247,818 $ 216,000
Kershaw, South Carolina 22 $ 2,588,000 $ 117,636 $ 68,000
Troup, Georgia 21 $ 2,154,000 $ 102,571 $ 63,000
Chatham, North Carolina 21 $ 3,421,000 $ 162,904 $ 86,000
Bedford, Tennessee 21 $ 2,468,000 $ 117,523 $ 52,000
Hays, Texas 21 $ 2,594,000 $ 123,523 $ 103,000
Coffee, Alabama 20 $ 2,748,000 $ 137,400 $ 64,000
Dallas, Alabama 20 $ 1,982,000 $ 99,100 $ 63,000
Lamar, Mississippi 20 $ 3,217,000 $ 160,850 $ 72,000
Liberty, Texas 20 $ 1,593,000 $ 79,650 $ 64,000
Marion, Indiana 19 $ 2,151,000 $ 113,210 $ 77,000
Hidalgo, Texas 19 $ 1,672,000 $ 88,000 $ 41,000
Orange, Texas 19 $ 1,992,000 $ 104,842 $ 68,000
Baker, Florida 18 $ 2,228,000 $ 123,777 $ 122,000
Hamilton, Tennessee 18 $ 2,697,000 $ 149,833 $ 79,000
Hunt, Texas 18 $ 2,514,000 $ 139,666 $ 77,000
Parker, Texas 18 $ 2,313,000 $ 128,500 $ 87,000
Danville, Virginia 18 $ 1,546,000 $ 85,888 $ 69,000
Henry, Alabama 17 $ 2,133,000 $ 125,470 $ 60,000
Pike, Alabama 17 $ 2,387,000 $ 140,411 $ 67,000
Haralson, Georgia 17 $ 2,003,000 $ 117,823 $ 55,000
DeSoto, Mississippi 17 $ 2,767,000 $ 162,764 $ 75,000
Beaufort, South Carolina 17 $ 4,500,000 $ 264,705 $ 115,000
Georgetown, South Carolina 17 $ 2,530,000 $ 148,823 $ 172,000
Oconee, South Carolina 17 $ 3,566,000 $ 209,764 $ 107,000
Houston, Georgia 16 $ 1,837,000 $ 114,812 $ 78,000
Lowndes, Georgia 16 $ 1,449,000 $ 90,562 $ 49,000
St. Charles, Louisiana 16 $ 2,176,000 $ 136,000 $ 59,000
Forrest, Mississippi 16 $ 1,610,000 $ 100,625 $ 67,000
Carteret, North Carolina 16 $ 7,058,000 $ 441,125 $ 209,000
James City, Virginia 16 $ 2,926,000 $ 182,875 $ 87,000
Banks, Georgia 15 $ 1,912,000 $ 127,466 $ 49,000
Dawson, Georgia 15 $ 2,705,000 $ 180,333 $ 105,000
Hancock, Mississippi 15 $ 2,197,000 $ 146,466 $ 134,000
Brunswick, North Carolina 15 $ 3,863,000 $ 257,533 $ 154,000
Davidson, North Carolina 15 $ 1,869,000 $ 124,600 $ 42,000
Cameron, Texas 15 $ 1,609,000 $ 107,266 $ 86,000
McLennan, Texas 15 $ 1,120,000 $ 74,666 $ 51,000
Stafford, Virginia 15 $ 2,872,000 $ 191,466 $ 70,000
Chambers, Alabama 14 $ 1,185,000 $ 84,642 $ 51,000
Chilton, Alabama 14 $ 2,081,000 $ 148,642 $ 100,000
Catoosa, Georgia 14 $ 1,352,000 $ 96,571 $ 49,000
Floyd, Georgia 14 $ 1,140,000 $ 81,428 $ 72,000
Madison, Georgia 14 $ 1,450,000 $ 103,571 $ 50,000
Murray, Georgia 14 $ 1,176,000 $ 84,000 $ 51,000
Buncombe, North Carolina 14 $ 2,039,000 $ 145,642 $ 53,000
Sumner, Tennessee 14 $ 1,529,000 $ 109,214 $ 61,000
Nueces, Texas 14 $ 1,619,000 $ 115,642 $ 133,000
Dinwiddie, Virginia 14 $ 1,395,000 $ 99,642 $ 64,000
Colbert, Alabama 13 $ 1,506,000 $ 115,846 $ 95,000
Terrebonne, Louisiana 13 $ 1,153,000 $ 88,692 $ 61,000
Baltimore City, Maryland 13 $ 1,169,000 $ 89,923 $ 73,000
George, Mississippi 13 $ 1,297,000 $ 99,769 $ 58,000
Chambers, Texas 13 $ 1,570,000 $ 120,769 $ 65,000
Rockwall, Texas 13 $ 2,262,000 $ 174,000 $ 123,000
Jackson, Alabama 12 $ 1,220,000 $ 101,666 $ 113,000
Dougherty, Georgia 12 $ 932,000 $ 77,666 $ 39,000
Cleveland, North Carolina 12 $ 1,492,000 $ 124,333 $ 62,000
Dare, North Carolina 12 $ 3,516,000 $ 293,000 $ 153,000
Franklin, North Carolina 12 $ 1,530,000 $ 127,500 $ 60,000
Jasper, Texas 12 $ 1,097,000 $ 91,416 $ 66,000
Wharton, Texas 12 $ 909,000 $ 75,750 $ 44,000
Gloucester, Virginia 12 $ 1,276,000 $ 106,333 $ 46,000
Hopewell, Virginia 12 $ 1,164,000 $ 97,000 $ 44,000
Geneva, Alabama 11 $ 1,199,000 $ 109,000 $ 36,000
Butts, Georgia 11 $ 1,477,000 $ 134,272 $ 72,000
Habersham, Georgia 11 $ 1,270,000 $ 115,454 $ 55,000
Hart, Georgia 11 $ 2,221,000 $ 201,909 $ 187,000
Meriwether, Georgia 11 $ 1,391,000 $ 126,454 $ 51,000
St. Bernard, Louisiana 11 $ 962,000 $ 87,454 $ 47,000
Catawba, North Carolina 11 $ 2,100,000 $ 190,909 $ 68,000
Harnett, North Carolina 11 $ 1,075,000 $ 97,727 $ 179,000
Randolph, North Carolina 11 $ 1,269,000 $ 115,363 $ 82,000
El Paso, Texas 11 $ 1,092,000 $ 99,272 $ 78,000
Wilson, Texas 11 $ 1,507,000 $ 137,000 $ 71,000
Pittsylvania, Virginia 11 $ 1,029,000 $ 93,545 $ 42,000
DeKalb, Alabama 10 $ 956,000 $ 95,600 $ 72,000
Putnam, Florida 10 $ 1,388,000 $ 138,800 $ 77,000
Pickens, Georgia 10 $ 1,541,000 $ 154,100 $ 95,000
Caddo, Louisiana 10 $ 902,000 $ 90,200 $ 113,000
Caroline, Virginia 10 $ 1,475,000 $ 147,500 $ 61,000
Colonial Heights, Virginia 10 $ 1,086,000 $ 108,600 $ 40,000
Isle of Wight, Virginia 10 $ 2,132,000 $ 213,200 $ 71,000
Prince George, Virginia 10 $ 1,430,000 $ 143,000 $ 66,000
Marion, Alabama 9 $ 773,000 $ 85,888 $ 44,000
Garland, Arkansas 9 $ 834,000 $ 92,666 $ 56,000
Oconee, Georgia 9 $ 1,478,000 $ 164,222 $ 82,000
Pike, Georgia 9 $ 1,216,000 $ 135,111 $ 61,000
Putnam, Georgia 9 $ 1,462,000 $ 162,444 $ 128,000
Lincoln, North Carolina 9 $ 1,510,000 $ 167,777 $ 66,000
Laurens, South Carolina 9 $ 1,220,000 $ 135,555 $ 61,000
Fayette, Tennessee 9 $ 1,375,000 $ 152,777 $ 46,000
Montgomery, Tennessee 9 $ 822,000 $ 91,333 $ 49,000
Brazos, Texas 9 $ 1,008,000 $ 112,000 $ 151,000
Powhatan, Virginia 9 $ 1,411,000 $ 156,777 $ 54,000
Jackson, Florida 8 $ 971,000 $ 121,375 $ 66,000
Sumter, Florida 8 $ 1,277,000 $ 159,625 $ 53,000
Gordon, Georgia 8 $ 1,005,000 $ 125,625 $ 43,000
Whitfield, Georgia 8 $ 720,000 $ 90,000 $ 37,000
Grant, Indiana 8 $ 643,000 $ 80,375 $ 37,000
Tangipahoa, Louisiana 8 $ 692,000 $ 86,500 $ 45,000
Baltimore, Maryland 8 $ 1,552,000 $ 194,000 $ 110,000
Cumberland, North Carolina 8 $ 738,000 $ 92,250 $ 52,000
Currituck, North Carolina 8 $ 1,570,000 $ 196,250 $ 60,000
Watauga, North Carolina 8 $ 1,834,000 $ 229,250 $ 191,000
Newberry, South Carolina 8 $ 957,000 $ 119,625 $ 82,000
Robertson, Tennessee 8 $ 994,000 $ 124,250 $ 65,000
Bandera, Texas 8 $ 885,000 $ 110,625 $ 75,000
Kaufman, Texas 8 $ 967,000 $ 120,875 $ 102,000
Smith, Texas 8 $ 1,147,000 $ 143,375 $ 232,000
Arlington, Virginia 8 $ 2,406,000 $ 300,750 $ 146,000
King George, Virginia 8 $ 1,600,000 $ 200,000 $ 88,000
Bibb, Alabama 7 $ 692,000 $ 98,857 $ 49,000
Lawrence, Alabama 7 $ 779,000 $ 111,285 $ 69,000
Winston, Alabama 7 $ 1,124,000 $ 160,571 $ 155,000
Morgan, Georgia 7 $ 1,022,000 $ 146,000 $ 88,000
Washington, Georgia 7 $ 801,000 $ 114,428 $ 57,000
Bullitt, Kentucky 7 $ 815,000 $ 116,428 $ 45,000
Lafayette, Louisiana 7 $ 829,000 $ 118,428 $ 57,000
Plaquemines, Louisiana 7 $ 1,207,000 $ 172,428 $ 54,000
Lafayette, Mississippi 7 $ 643,000 $ 91,857 $ 231,000
Alamance, North Carolina 7 $ 1,361,000 $ 194,428 $ 79,000
Onslow, North Carolina 7 $ 2,397,000 $ 342,428 $ 177,000
Pitt, North Carolina 7 $ 675,000 $ 96,428 $ 129,000
Bell, Texas 7 $ 538,000 $ 76,857 $ 38,000
Wise, Texas 7 $ 805,000 $ 115,000 $ 73,000
Louisa, Virginia 7 $ 952,000 $ 136,000 $ 47,000
Mecklenburg, Virginia 7 $ 747,000 $ 106,714 $ 71,000
Petersburg, Virginia 7 $ 760,000 $ 108,571 $ 44,000
Coosa, Alabama 6 $ 821,000 $ 136,833 $ 53,000
Hale, Alabama 6 $ 622,000 $ 103,666 $ 76,000
Lowndes, Alabama 6 $ 864,000 $ 144,000 $ 95,000
Macon, Alabama 6 $ 474,000 $ 79,000 $ 75,000
Highlands, Florida 6 $ 616,000 $ 102,666 $ 67,000
Burke, Georgia 6 $ 606,000 $ 101,000 $ 47,000
Franklin, Georgia 6 $ 677,000 $ 112,833 $ 46,000
Peach, Georgia 6 $ 618,000 $ 103,000 $ 66,000
White, Georgia 6 $ 848,000 $ 141,333 $ 77,000
St. John the Baptist, Louisiana 6 $ 560,000 $ 93,333 $ 54,000
Charles, Maryland 6 $ 1,420,000 $ 236,666 $ 94,000
Avery, North Carolina 6 $ 887,000 $ 147,833 $ 196,000
Rockingham, North Carolina 6 $ 1,131,000 $ 188,500 $ 67,000
Edgefield, South Carolina 6 $ 800,000 $ 133,333 $ 67,000
Florence, South Carolina 6 $ 1,094,000 $ 182,333 $ 94,000
Lincoln, Tennessee 6 $ 1,144,000 $ 190,666 $ 60,000
Bastrop, Texas 6 $ 651,000 $ 108,500 $ 72,000
Henderson, Texas 6 $ 1,040,000 $ 173,333 $ 157,000
Uvalde, Texas 6 $ 719,000 $ 119,833 $ 72,000
Cherokee, Alabama 5 $ 766,000 $ 153,200 $ 81,000
Clay, Alabama 5 $ 428,000 $ 85,600 $ 62,000
Cleburne, Alabama 5 $ 573,000 $ 114,600 $ 58,000
Conecuh, Alabama 5 $ 471,000 $ 94,200 $ 64,000
Washington, Alabama 5 $ 388,000 $ 77,600 $ 30,000
Hendry, Florida 5 $ 525,000 $ 105,000 $ 55,000
Washington, Florida 5 $ 434,000 $ 86,800 $ 54,000
Ben Hill, Georgia 5 $ 402,000 $ 80,400 $ 56,000
Fannin, Georgia 5 $ 779,000 $ 155,800 $ 76,000
Laurens, Georgia 5 $ 383,000 $ 76,600 $ 60,000
Lumpkin, Georgia 5 $ 820,000 $ 164,000 $ 65,000
Polk, Georgia 5 $ 522,000 $ 104,400 $ 69,000
Talbot, Georgia 5 $ 501,000 $ 100,200 $ 76,000
Upson, Georgia 5 $ 591,000 $ 118,200 $ 59,000
Henry, Indiana 5 $ 344,000 $ 68,800 $ 67,000
St. James, Louisiana 5 $ 509,000 $ 101,800 $ 60,000
Frederick, Maryland 5 $ 1,549,000 $ 309,800 $ 88,000
St. Louis, Missouri 5 $ 545,000 $ 109,000 $ 66,000
Edgecombe, North Carolina 5 $ 256,000 $ 51,200 $ 138,000
Macon, North Carolina 5 $ 2,389,000 $ 477,800 $ 257,000
Colleton, South Carolina 5 $ 558,000 $ 111,600 $ 252,000
Fairfield, South Carolina 5 $ 1,071,000 $ 214,200 $ 109,000
Tipton, Tennessee 5 $ 530,000 $ 106,000 $ 58,000
Gillespie, Texas 5 $ 698,000 $ 139,600 $ 85,000
Grayson, Texas 5 $ 752,000 $ 150,400 $ 233,000
Hood, Texas 5 $ 672,000 $ 134,400 $ 62,000
Matagorda, Texas 5 $ 496,000 $ 99,200 $ 58,000
Maverick, Texas 5 $ 431,000 $ 86,200 $ 42,000
Taylor, Texas 5 $ 428,000 $ 85,600 $ 40,000
Walker, Texas 5 $ 528,000 $ 105,600 $ 101,000
Fauquier, Virginia 5 $ 1,752,000 $ 350,400 $ 157,000
Goochland, Virginia 5 $ 678,000 $ 135,600 $ 87,000
Orange, Virginia 5 $ 690,000 $ 138,000 $ 80,000
Westmoreland, Virginia 5 $ 867,000 $ 173,400 $ 85,000
Clarke, Alabama 4 $ 631,000 $ 157,750 $ 121,000
Crittenden, Arkansas 4 $ 274,000 $ 68,500 $ 65,000
Windham, Connecticut 4 $ 773,000 $ 193,250 $ 163,000
Bradford, Florida 4 $ 504,000 $ 126,000 $ 67,000
Columbia, Florida 4 $ 386,000 $ 96,500 $ 40,000
Franklin, Florida 4 $ 2,120,000 $ 530,000 $ 329,000
Gilmer, Georgia 4 $ 363,000 $ 90,750 $ 95,000
Glynn, Georgia 4 $ 641,000 $ 160,250 $ 128,000
Heard, Georgia 4 $ 454,000 $ 113,500 $ 45,000
Jasper, Georgia 4 $ 435,000 $ 108,750 $ 55,000
Jefferson, Georgia 4 $ 508,000 $ 127,000 $ 109,000
Jenkins, Georgia 4 $ 225,000 $ 56,250 $ 14,000
Liberty, Georgia 4 $ 463,000 $ 115,750 $ 195,000
Rabun, Georgia 4 $ 1,385,000 $ 346,250 $ 250,000
Stephens, Georgia 4 $ 622,000 $ 155,500 $ 80,000
Union, Georgia 4 $ 428,000 $ 107,000 $ 58,000
Clark, Indiana 4 $ 723,000 $ 180,750 $ 61,000
Johnson, Indiana 4 $ 477,000 $ 119,250 $ 77,000
Lake, Indiana 4 $ 435,000 $ 108,750 $ 96,000
Lauderdale, Mississippi 4 $ 787,000 $ 196,750 $ 43,000
Lee, Mississippi 4 $ 867,000 $ 216,750 $ 103,000
St. Louis City, Missouri 4 $ 413,000 $ 103,250 $ 64,000
Burke, North Carolina 4 $ 347,000 $ 86,750 $ 46,000
Clay, North Carolina 4 $ 1,207,000 $ 301,750 $ 122,000
Granville, North Carolina 4 $ 324,000 $ 81,000 $ 36,000
Jackson, North Carolina 4 $ 967,000 $ 241,750 $ 157,000
Nash, North Carolina 4 $ 478,000 $ 119,500 $ 65,000
Robeson, North Carolina 4 $ 237,000 $ 59,250 $ 124,000
Stanly, North Carolina 4 $ 584,000 $ 146,000 $ 53,000
Vance, North Carolina 4 $ 421,000 $ 105,250 $ 78,000
Hamilton, Ohio 4 $ 945,000 $ 236,250 $ 45,000
Saluda, South Carolina 4 $ 503,000 $ 125,750 $ 40,000
Sumter, South Carolina 4 $ 445,000 $ 111,250 $ 61,000
Cheatham, Tennessee 4 $ 589,000 $ 147,250 $ 63,000
Knox, Tennessee 4 $ 800,000 $ 200,000 $ 77,000
Gregg, Texas 4 $ 411,000 $ 102,750 $ 360,000
Kerr, Texas 4 $ 555,000 $ 138,750 $ 59,000
Leon, Texas 4 $ 419,000 $ 104,750 $ 99,000
Medina, Texas 4 $ 650,000 $ 162,500 $ 82,000
Nacogdoches, Texas 4 $ 199,000 $ 49,750 $ 67,000
Washington, Texas 4 $ 257,000 $ 64,250 $ 44,000
Franklin, Virginia 4 $ 766,000 $ 191,500 $ 89,000
Frederick, Virginia 4 $ 685,000 $ 171,250 $ 108,000
Poquoson, Virginia 4 $ 642,000 $ 160,500 $ 94,000
Crenshaw, Alabama 3 $ 411,000 $ 137,000 $ 53,000
Greene, Alabama 3 $ 432,000 $ 144,000 $ 70,000
Monroe, Alabama 3 $ 289,000 $ 96,333 $ 58,000
Washington, Arkansas 3 $ 575,000 $ 191,666 $ 204,000
Adams, Colorado 3 $ 599,000 $ 199,666 $ 37,000
District of Columbia, District Of Columbia 3 $ 730,000 $ 243,333 $ 52,000
Holmes, Florida 3 $ 303,000 $ 101,000 $ 27,000
Baldwin, Georgia 3 $ 387,000 $ 129,000 $ 82,000
Chattooga, Georgia 3 $ 139,000 $ 46,333 $ 28,000
Coffee, Georgia 3 $ 552,000 $ 184,000 $ 135,000
Jones, Georgia 3 $ 214,000 $ 71,333 $ 32,000
McDuffie, Georgia 3 $ 469,000 $ 156,333 $ 70,000
Monroe, Georgia 3 $ 254,000 $ 84,666 $ 43,000
Oglethorpe, Georgia 3 $ 465,000 $ 155,000 $ 73,000
Sumter, Georgia 3 $ 295,000 $ 98,333 $ 67,000
Tift, Georgia 3 $ 480,000 $ 160,000 $ 144,000
Floyd, Indiana 3 $ 371,000 $ 123,666 $ 49,000
Kenton, Kentucky 3 $ 182,000 $ 60,666 $ 24,000
Bossier, Louisiana 3 $ 734,000 $ 244,666 $ 94,000
Iberia, Louisiana 3 $ 385,000 $ 128,333 $ 53,000
Ouachita, Louisiana 3 $ 360,000 $ 120,000 $ 59,000
Rapides, Louisiana 3 $ 247,000 $ 82,333 $ 39,000
Anne Arundel, Maryland 3 $ 477,000 $ 159,000 $ 93,000
Howard, Maryland 3 $ 765,000 $ 255,000 $ 93,000
Middlesex, Massachusetts 3 $ 536,000 $ 178,666 $ 70,000
Greene, Mississippi 3 $ 251,000 $ 83,666 $ 40,000
Oktibbeha, Mississippi 3 $ 553,000 $ 184,333 $ 182,000
Pike, Mississippi 3 $ 186,000 $ 62,000 $ 45,000
Alexander, North Carolina 3 $ 351,000 $ 117,000 $ 62,000
Caldwell, North Carolina 3 $ 198,000 $ 66,000 $ 74,000
Cherokee, North Carolina 3 $ 431,000 $ 143,666 $ 109,000
Craven, North Carolina 3 $ 470,000 $ 156,666 $ 74,000
Davie, North Carolina 3 $ 722,000 $ 240,666 $ 114,000
Haywood, North Carolina 3 $ 450,000 $ 150,000 $ 78,000
Lee, North Carolina 3 $ 310,000 $ 103,333 $ 72,000
Madison, North Carolina 3 $ 328,000 $ 109,333 $ 61,000
Polk, North Carolina 3 $ 663,000 $ 221,000 $ 86,000
Yancey, North Carolina 3 $ 539,000 $ 179,666 $ 160,000
Lancaster, South Carolina 3 $ 335,000 $ 111,666 $ 79,000
Marion, South Carolina 3 $ 225,000 $ 75,000 $ 29,000
Orangeburg, South Carolina 3 $ 416,000 $ 138,666 $ 95,000
Bradley, Tennessee 3 $ 244,000 $ 81,333 $ 93,000
Cumberland, Tennessee 3 $ 166,000 $ 55,333 $ 42,000
Franklin, Tennessee 3 $ 307,000 $ 102,333 $ 85,000
Aransas, Texas 3 $ 364,000 $ 121,333 $ 72,000
Atascosa, Texas 3 $ 408,000 $ 136,000 $ 74,000
Blanco, Texas 3 $ 612,000 $ 204,000 $ 129,000
Cooke, Texas 3 $ 133,000 $ 44,333 $ 46,000
Lubbock, Texas 3 $ 379,000 $ 126,333 $ 58,000
Val Verde, Texas 3 $ 338,000 $ 112,666 $ 52,000
Van Zandt, Texas 3 $ 380,000 $ 126,666 $ 53,000
Wood, Texas 3 $ 377,000 $ 125,666 $ 24,000
Albemarle, Virginia 3 $ 751,000 $ 250,333 $ 76,000
Amelia, Virginia 3 $ 528,000 $ 176,000 $ 45,000
Fairfax City, Virginia 3 $ 512,000 $ 170,666 $ 82,000
Montgomery, Virginia 3 $ 389,000 $ 129,666 $ 74,000
Nelson, Virginia 3 $ 415,000 $ 138,333 $ 79,000
Jefferson, West Virginia 3 $ 560,000 $ 186,666 $ 59,000
Barbour, Alabama 2 $ 179,000 $ 89,500 $ 50,000
Fayette, Alabama 2 $ 148,000 $ 74,000 $ 45,000
Franklin, Alabama 2 $ 508,000 $ 254,000 $ 125,000
Perry, Alabama 2 $ 192,000 $ 96,000 $ 59,000
Sumter, Alabama 2 $ 205,000 $ 102,500 $ 68,000
Cleburne, Arkansas 2 $ 388,000 $ 194,000 $ 133,000
Denver, Colorado 2 $ 395,000 $ 197,500 $ 52,000
Dixie, Florida 2 $ 464,000 $ 232,000 $ 264,000
Glades, Florida 2 $ 106,000 $ 53,000 $ 46,000
Jefferson, Florida 2 $ 272,000 $ 136,000 $ 92,000
Wakulla, Florida 2 $ 385,000 $ 192,500 $ 74,000
Bulloch, Georgia 2 $ 165,000 $ 82,500 $ 87,000
Camden, Georgia 2 $ 207,000 $ 103,500 $ 44,000
Candler, Georgia 2 $ 115,000 $ 57,500 $ 23,000
Early, Georgia 2 $ 112,000 $ 56,000 $ 33,000
Elbert, Georgia 2 $ 157,000 $ 78,500 $ 24,000
Lamar, Georgia 2 $ 175,000 $ 87,500 $ 33,000
Screven, Georgia 2 $ 128,000 $ 64,000 $ 26,000
Toombs, Georgia 2 $ 205,000 $ 102,500 $ 114,000
Ware, Georgia 2 $ 169,000 $ 84,500 $ 62,000
Cook, Illinois 2 $ 487,000 $ 243,500 $ 102,000
Allen, Indiana 2 $ 167,000 $ 83,500 $ 70,000
Bartholomew, Indiana 2 $ 332,000 $ 166,000 $ 85,000
Boone, Indiana 2 $ 296,000 $ 148,000 $ 78,000
Harrison, Indiana 2 $ 179,000 $ 89,500 $ 74,000
Hendricks, Indiana 2 $ 605,000 $ 302,500 $ 142,000
Madison, Indiana 2 $ 105,000 $ 52,500 $ 35,000
St. Joseph, Indiana 2 $ 326,000 $ 163,000 $ 100,000
Tippecanoe, Indiana 2 $ 254,000 $ 127,000 $ 54,000
Oldham, Kentucky 2 $ 400,000 $ 200,000 $ 33,000
Calcasieu, Louisiana 2 $ 243,000 $ 121,500 $ 27,000
Washington, Louisiana 2 $ 196,000 $ 98,000 $ 59,000
West Baton Rouge, Louisiana 2 $ 310,000 $ 155,000 $ 32,000
Harford, Maryland 2 $ 421,000 $ 210,500 $ 85,000
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Mortgage Loan Application Detail Totals for South Trust Mortgage 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 22,688 $3,483,094,000 $177,814 $3,032,000 $93,925 $4,903,000
Refinancing 12,012 $1,978,447,000 $181,857 $3,666,000 $120,642 $9,999,000
Home Improvement 0 $0 $0 $0 $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 24,163 $3,974,879,000 $188,310 $3,032,000 $101,620 $5,136,000
Black or African American 4,108 $509,613,000 $128,944 $1,040,000 $77,166 $9,999,000
Not Provided 3,014 $495,187,000 $172,095 $3,666,000 $159,476 $3,334,000
Hispanic 2,501 $329,008,000 $146,437 $1,650,000 $82,812 $900,000
Asian 680 $117,335,000 $170,214 $1,100,000 $80,428 $738,000
Native Hawaiian or Other Pacific Islander 120 $18,869,000 $151,333 $920,000 $87,555 $629,000
American Indian or Alaskan Native 79 $11,086,000 $135,454 $407,000 $60,454 $239,000
Not applicable 35 $5,564,000 $151,666 $479,000 $45,833 $180,000

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) 31,738 $5,109,862,000 $189,193 $3,666,000 $115,483 $9,999,000
FHA-insured (Federal Housing Administration) 2,097 $226,125,000 $116,900 $295,000 $51,700 $374,000
VA-guaranteed (Veterans Administration) 829 $122,388,000 $151,700 $304,000 $55,700 $178,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 36 $3,166,000 $88,800 $160,000 $45,000 $78,000

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 27,013 $4,310,337,000 $187,741 $3,666,000 $115,935 $9,999,000
Application Withdrawn By Applicant 4,403 $703,738,000 $168,869 $1,920,000 $88,434 $2,940,000
Application Denied By Financial Institution 2,058 $269,305,000 $136,111 $1,500,000 $69,277 $2,232,000
Application Approved But Not Accepted 1,226 $178,161,000 $136,933 $1,365,000 $65,266 $3,334,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Collateral 498 $64,106,000 $119,333 $778,000 $89,600 $1,260,000
Credit History 395 $47,340,000 $144,812 $1,000,000 $59,375 $360,000
Debt-To-Income Ratio 356 $52,186,000 $136,000 $1,500,000 $56,714 $2,232,000
Other 283 $34,974,000 $114,928 $700,000 $82,571 $1,380,000
Credit Application Incomplete 227 $34,301,000 $174,750 $1,468,000 $109,750 $1,860,000
Employment History 150 $17,794,000 $109,545 $500,000 $49,181 $300,000
Unverifiable Information 140 $17,322,000 $121,153 $404,000 $83,846 $528,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,041,000 $170,000 $278,000 $82,666 $150,000
Mortgage Insurance Denied 2 $241,000 $120,500 $124,000 $12,500 $25,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into South Trust Mortgage'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 Mortgage'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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