Southbank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Southbank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Southbank 118 Jefferson Street Huntsville, AL 35801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,304 |
| Total Mortgage Loan Application Amount | $313,480,000 |
| Average Mortgage Loan Application Amount | $156,405 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $79,513 |
| Highest Applicant Income | $2,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Southbank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Southbank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Southbank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Southbank serves its applicants.
Each category highlights the total number of mortgage applications processed by Southbank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Southbank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison County Alabama | 637 | $ 80,634,000 | $ 126,000 | $ 65,000 |
| Wake County North Carolina | 526 | $ 90,551,000 | $ 172,000 | $ 61,000 |
| Durham County North Carolina | 207 | $ 28,894,000 | $ 139,000 | $ 47,000 |
| Lauderdale County Alabama | 194 | $ 17,868,000 | $ 92,000 | $ 43,000 |
| Colbert County Alabama | 112 | $ 10,475,000 | $ 93,000 | $ 39,000 |
| Lafayette County Mississippi | 97 | $ 12,444,000 | $ 128,000 | $ 66,000 |
| Alcorn County Mississippi | 86 | $ 8,904,000 | $ 103,000 | $ 45,000 |
| Limestone County Alabama | 38 | $ 4,535,000 | $ 119,000 | $ 44,000 |
| Orange County North Carolina | 34 | $ 7,537,000 | $ 221,000 | $ 72,000 |
| McNairy County Tennessee | 32 | $ 3,182,000 | $ 99,000 | $ 42,000 |
| Morgan County Alabama | 25 | $ 2,798,000 | $ 111,000 | $ 58,000 |
| Mississippi County Arkansas | 22 | $ 691,000 | $ 31,000 | $ 37,000 |
| Johnston County North Carolina | 21 | $ 2,916,000 | $ 138,000 | $ 38,000 |
| Tishomingo County Mississippi | 18 | $ 1,310,000 | $ 72,000 | $ 48,000 |
| Granville County North Carolina | 14 | $ 1,625,000 | $ 116,000 | $ 30,000 |
| New Hanover County North Carolina | 14 | $ 3,643,000 | $ 260,000 | $ 303,000 |
| Chatham County North Carolina | 11 | $ 2,560,000 | $ 232,000 | $ 112,000 |
| Marshall County Alabama | 10 | $ 1,205,000 | $ 120,000 | $ 68,000 |
| Hardin County Tennessee | 9 | $ 1,967,000 | $ 218,000 | $ 97,000 |
| Franklin County North Carolina | 8 | $ 1,660,000 | $ 207,000 | $ 92,000 |
| Jackson County Alabama | 6 | $ 684,000 | $ 114,000 | $ 57,000 |
| Carteret County North Carolina | 6 | $ 957,000 | $ 159,000 | $ 122,000 |
| Vance County North Carolina | 6 | $ 660,000 | $ 110,000 | $ 48,000 |
| Fulton County Georgia | 5 | $ 693,000 | $ 138,000 | $ 51,000 |
| Brunswick County North Carolina | 5 | $ 1,165,000 | $ 233,000 | $ 142,000 |
| Lincoln County Tennessee | 5 | $ 502,000 | $ 100,000 | $ 38,000 |
| Baldwin County Alabama | 4 | $ 664,000 | $ 166,000 | $ 134,000 |
| Franklin County Alabama | 4 | $ 443,000 | $ 110,000 | $ 67,000 |
| Jefferson County Alabama | 4 | $ 824,000 | $ 206,000 | $ 37,000 |
| Macon County Illinois | 4 | $ 419,000 | $ 104,000 | $ 57,000 |
| Horry County South Carolina | 4 | $ 394,000 | $ 98,000 | $ 105,000 |
| Cullman County Alabama | 3 | $ 270,000 | $ 90,000 | $ 212,000 |
| Lawrence County Alabama | 3 | $ 241,000 | $ 80,000 | $ 47,000 |
| Shelby County Alabama | 3 | $ 534,000 | $ 178,000 | $ 75,000 |
| Tuscaloosa County Alabama | 3 | $ 465,000 | $ 155,000 | $ 91,000 |
| Johnson County Kansas | 3 | $ 425,000 | $ 141,000 | $ 60,000 |
| Prentiss County Mississippi | 3 | $ 236,000 | $ 78,000 | $ 38,000 |
| Jackson County Missouri | 3 | $ 512,000 | $ 170,000 | $ 62,000 |
| Onslow County North Carolina | 3 | $ 297,000 | $ 99,000 | $ 67,000 |
| Pitt County North Carolina | 3 | $ 225,000 | $ 75,000 | $ 96,000 |
| Watauga County North Carolina | 3 | $ 798,000 | $ 266,000 | $ 136,000 |
| Franklin County Tennessee | 3 | $ 393,000 | $ 131,000 | $ 99,000 |
| DeKalb County Alabama | 2 | $ 197,000 | $ 98,000 | $ 41,000 |
| Craighead County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 72,000 |
| Palm Beach County Florida | 2 | $ 466,000 | $ 233,000 | $ 116,000 |
| Pinellas County Florida | 2 | $ 577,000 | $ 288,000 | $ 118,000 |
| Walton County Florida | 2 | $ 633,000 | $ 316,000 | $ 170,000 |
| Fannin County Georgia | 2 | $ 208,000 | $ 104,000 | $ 71,000 |
| Monroe County Indiana | 2 | $ 336,000 | $ 168,000 | $ 89,000 |
| Putnam County Indiana | 2 | $ 145,000 | $ 72,000 | $ 41,000 |
| Oakland County Michigan | 2 | $ 500,000 | $ 250,000 | $ 122,000 |
| Yalobusha County Mississippi | 2 | $ 272,000 | $ 136,000 | $ 64,000 |
| Alamance County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 68,000 |
| Cumberland County North Carolina | 2 | $ 498,000 | $ 249,000 | $ 133,000 |
| Forsyth County North Carolina | 2 | $ 153,000 | $ 76,000 | $ 30,000 |
| Harnett County North Carolina | 2 | $ 267,000 | $ 133,000 | $ 38,000 |
| Mecklenburg County North Carolina | 2 | $ 289,000 | $ 144,000 | $ 72,000 |
| Moore County North Carolina | 2 | $ 278,000 | $ 139,000 | $ 161,000 |
| Tulsa County Oklahoma | 2 | $ 168,000 | $ 84,000 | $ 16,000 |
| Giles County Tennessee | 2 | $ 345,000 | $ 172,000 | $ 114,000 |
| Shelby County Tennessee | 2 | $ 281,000 | $ 140,000 | $ 161,000 |
| Warren County Tennessee | 2 | $ 126,000 | $ 63,000 | $ 168,000 |
| Fairfax County Virginia | 2 | $ 640,000 | $ 320,000 | $ 168,000 |
| Autauga County Alabama | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Calhoun County Alabama | 1 | $ 53,000 | $ 53,000 | $ 60,000 |
| Mobile County Alabama | 1 | $ 212,000 | $ 212,000 | $ 54,000 |
| Montgomery County Alabama | 1 | $ 58,000 | $ 58,000 | $ 57,000 |
| Tallapoosa County Alabama | 1 | $ 194,000 | $ 194,000 | $ 173,000 |
| Winston County Alabama | 1 | $ 37,000 | $ 37,000 | $ 52,000 |
| Benton County Arkansas | 1 | $ 82,000 | $ 82,000 | $ 61,000 |
| Alameda County California | 1 | $ 199,000 | $ 199,000 | $ 64,000 |
| Humboldt County California | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Boulder County Colorado | 1 | $ 535,000 | $ 535,000 | $ 230,000 |
| Brevard County Florida | 1 | $ 104,000 | $ 104,000 | $ 80,000 |
| Broward County Florida | 1 | $ 546,000 | $ 546,000 | $ 255,000 |
| Collier County Florida | 1 | $ 87,000 | $ 87,000 | $ 73,000 |
| Lake County Florida | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Lee County Florida | 1 | $ 158,000 | $ 158,000 | $ 75,000 |
| Martin County Florida | 1 | $ 160,000 | $ 160,000 | $ 118,000 |
| Miami-Dade County Florida | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Okaloosa County Florida | 1 | $ 295,000 | $ 295,000 | $ 81,000 |
| Pasco County Florida | 1 | $ 40,000 | $ 40,000 | $ 65,000 |
| Santa Rosa County Florida | 1 | $ 410,000 | $ 410,000 | $ 113,000 |
| Seminole County Florida | 1 | $ 129,000 | $ 129,000 | $ 50,000 |
| DeKalb County Georgia | 1 | $ 98,000 | $ 98,000 | $ 60,000 |
| Forsyth County Georgia | 1 | $ 222,000 | $ 222,000 | $ 103,000 |
| Hall County Georgia | 1 | $ 40,000 | $ 40,000 | $ 132,000 |
| Coles County Illinois | 1 | $ 110,000 | $ 110,000 | $ 53,000 |
| Madison County Illinois | 1 | $ 40,000 | $ 40,000 | $ 65,000 |
| Miami County Kansas | 1 | $ 28,000 | $ 28,000 | $ 61,000 |
| Barnstable County Massachusetts | 1 | $ 298,000 | $ 298,000 | $ 105,000 |
| DeSoto County Mississippi | 1 | $ 146,000 | $ 146,000 | $ 72,000 |
| Hinds County Mississippi | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Lee County Mississippi | 1 | $ 151,000 | $ 151,000 | $ 23,000 |
| Oktibbeha County Mississippi | 1 | $ 111,000 | $ 111,000 | $ 80,000 |
| Panola County Mississippi | 1 | $ 34,000 | $ 34,000 | $ 34,000 |
| Rankin County Mississippi | 1 | $ 107,000 | $ 107,000 | $ 62,000 |
| Union County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Yazoo County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 61,000 |
| Bernalillo County New Mexico | 1 | $ 107,000 | $ 107,000 | $ 62,000 |
| Kings County New York | 1 | $ 281,000 | $ 281,000 | $ 80,000 |
| Avery County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 86,000 |
| Columbus County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 34,000 |
| Guilford County North Carolina | 1 | $ 48,000 | $ 48,000 | $ 216,000 |
| Halifax County North Carolina | 1 | $ 73,000 | $ 73,000 | $ 114,000 |
| Lee County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Pender County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 94,000 |
| Person County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 63,000 |
| Rowan County North Carolina | 1 | $ 294,000 | $ 294,000 | $ 80,000 |
| Wayne County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 32,000 |
| Wilson County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Franklin County Ohio | 1 | $ 257,000 | $ 257,000 | $ 115,000 |
| Darlington County South Carolina | 1 | $ 148,000 | $ 148,000 | $ 51,000 |
| Florence County South Carolina | 1 | $ 197,000 | $ 197,000 | $ 65,000 |
| Greenville County South Carolina | 1 | $ 280,000 | $ 280,000 | $ 131,000 |
| Spartanburg County South Carolina | 1 | $ 249,000 | $ 249,000 | $ 106,000 |
| Davidson County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 64,000 |
| Knox County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Loudon County Tennessee | 1 | $ 254,000 | $ 254,000 | $ 63,000 |
| Wayne County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Williamson County Tennessee | 1 | $ 323,000 | $ 323,000 | $ 250,000 |
| Bexar County Texas | 1 | $ 73,000 | $ 73,000 | $ 200,000 |
| Albemarle County Virginia | 1 | $ 127,000 | $ 127,000 | $ 44,000 |
| Loudoun County Virginia | 1 | $ 320,000 | $ 320,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Southbank 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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,591 | $223,603,000 | $189,714 | $853,000 | $90,523 | $2,200,000 |
| Home Purchase (one-to-four family) | 690 | $89,529,000 | $127,307 | $990,000 | $70,923 | $1,583,000 |
| Home Improvement (one-to-four family) | 23 | $348,000 | $49,333 | $127,000 | $39,666 | $72,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 2,006 | $274,648,000 | $174,300 | $990,000 | $85,700 | $2,200,000 |
| Black | 202 | $26,837,000 | $131,727 | $580,000 | $71,181 | $216,000 |
| Asian or Pacific Islander | 66 | $8,977,000 | $171,250 | $378,000 | $76,750 | $214,000 |
| Hispanic | 16 | $1,651,000 | $139,333 | $228,000 | $56,333 | $96,000 |
| Not applicable | 8 | $668,000 | $83,000 | $186,000 | $36,000 | $110,000 |
| American Indian or Alaskan Native | 3 | $323,000 | $107,000 | $130,000 | $59,000 | $123,000 |
| Other | 2 | $270,000 | $135,000 | $180,000 | $76,500 | $95,000 |
| Information not provided by applicant in mail or telephone application | 1 | $106,000 | $106,000 | $106,000 | $44,000 | $44,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,008 | $278,548,000 | $179,500 | $990,000 | $90,454 | $2,200,000 |
| FHA-insured (Federal Housing Administration) | 187 | $20,710,000 | $104,000 | $177,000 | $37,500 | $136,000 |
| VA-guaranteed (Veterans Administration) | 109 | $14,222,000 | $137,000 | $248,000 | $56,200 | $137,000 |
| 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 | 2,128 | $291,905,000 | $181,904 | $990,000 | $82,000 | $2,200,000 |
| Application Withdrawn By Applicant | 128 | $16,672,000 | $137,375 | $600,000 | $82,500 | $294,000 |
| Application Denied By Financial Institution | 17 | $650,000 | $83,250 | $152,000 | $38,000 | $62,000 |
| File Closed For Incompleteness | 16 | $2,481,000 | $171,000 | $300,000 | $65,500 | $164,000 |
| Application Approved But Not Accepted | 15 | $1,772,000 | $94,000 | $305,000 | $53,333 | $157,000 |
| Loan Purchased By The 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 | 12 | $178,000 | $25,500 | $72,000 | $30,500 | $61,000 |
| Debt-To-Income Ratio | 3 | $260,000 | $86,666 | $152,000 | $32,666 | $62,000 |
| Unverifiable Information | 2 | $212,000 | $106,000 | $150,000 | $39,500 | $40,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southbank'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 Southbank'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.