Southbank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Southbank 2004 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 | 860 |
| Total Mortgage Loan Application Amount | $107,576,000 |
| Average Mortgage Loan Application Amount | $141,500 |
| Highest Mortgage Loan Application Amount | $575,000 |
| Average Applicant Income | $77,500 |
| Highest Applicant Income | $1,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 308 | $ 36,397,000 | $ 118,000 | $ 69,000 |
| Wake County North Carolina | 120 | $ 21,661,000 | $ 180,000 | $ 87,000 |
| Lauderdale County Alabama | 67 | $ 6,780,000 | $ 101,000 | $ 45,000 |
| Durham County North Carolina | 52 | $ 6,853,000 | $ 131,000 | $ 64,000 |
| Colbert County Alabama | 48 | $ 4,487,000 | $ 93,000 | $ 42,000 |
| Alcorn County Mississippi | 48 | $ 3,830,000 | $ 79,000 | $ 37,000 |
| Limestone County Alabama | 33 | $ 3,881,000 | $ 117,000 | $ 64,000 |
| Lafayette County Mississippi | 33 | $ 3,516,000 | $ 106,000 | $ 59,000 |
| Morgan County Alabama | 14 | $ 1,412,000 | $ 100,000 | $ 87,000 |
| McNairy County Tennessee | 12 | $ 891,000 | $ 74,000 | $ 38,000 |
| Orange County North Carolina | 8 | $ 1,530,000 | $ 191,000 | $ 69,000 |
| Mississippi County Arkansas | 6 | $ 175,000 | $ 29,000 | $ 19,000 |
| Johnston County North Carolina | 6 | $ 820,000 | $ 136,000 | $ 45,000 |
| Marion County Alabama | 5 | $ 484,000 | $ 96,000 | $ 49,000 |
| Prentiss County Mississippi | 5 | $ 220,000 | $ 44,000 | $ 59,000 |
| DeKalb County Alabama | 4 | $ 204,000 | $ 51,000 | $ 76,000 |
| Franklin County Alabama | 4 | $ 336,000 | $ 84,000 | $ 25,000 |
| Tishomingo County Mississippi | 4 | $ 380,000 | $ 95,000 | $ 78,000 |
| Shelby County Tennessee | 4 | $ 512,000 | $ 128,000 | $ 67,000 |
| Baldwin County Alabama | 3 | $ 908,000 | $ 302,000 | $ 132,000 |
| Jackson County Alabama | 3 | $ 248,000 | $ 82,000 | $ 49,000 |
| Walton County Florida | 3 | $ 1,026,000 | $ 342,000 | $ 151,000 |
| Carteret County North Carolina | 3 | $ 608,000 | $ 202,000 | $ 224,000 |
| Forsyth County North Carolina | 3 | $ 285,000 | $ 95,000 | $ 75,000 |
| Marshall County Alabama | 2 | $ 132,000 | $ 66,000 | $ 32,000 |
| Paulding County Georgia | 2 | $ 399,000 | $ 199,000 | $ 90,000 |
| Johnson County Kansas | 2 | $ 221,000 | $ 110,000 | $ 30,000 |
| DeSoto County Mississippi | 2 | $ 108,000 | $ 54,000 | $ 20,000 |
| Hinds County Mississippi | 2 | $ 210,000 | $ 105,000 | $ 512,000 |
| Yalobusha County Mississippi | 2 | $ 154,000 | $ 77,000 | $ 41,000 |
| Chatham County North Carolina | 2 | $ 875,000 | $ 437,000 | $ 138,000 |
| Guilford County North Carolina | 2 | $ 431,000 | $ 215,000 | $ 317,000 |
| Person County North Carolina | 2 | $ 216,000 | $ 108,000 | $ 29,000 |
| Vance County North Carolina | 2 | $ 229,000 | $ 114,000 | $ 32,000 |
| Horry County South Carolina | 2 | $ 206,000 | $ 103,000 | $ 95,000 |
| Davidson County Tennessee | 2 | $ 236,000 | $ 118,000 | $ 114,000 |
| Mecklenburg County Virginia | 2 | $ 278,000 | $ 139,000 | $ 184,000 |
| Cullman County Alabama | 1 | $ 150,000 | $ 150,000 | $ 118,000 |
| Jefferson County Alabama | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Faulkner County Arkansas | 1 | $ 100,000 | $ 100,000 | $ 240,000 |
| Sharp County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Lee County Florida | 1 | $ 155,000 | $ 155,000 | $ 230,000 |
| Miami-Dade County Florida | 1 | $ 238,000 | $ 238,000 | $ 225,000 |
| Okaloosa County Florida | 1 | $ 295,000 | $ 295,000 | $ 81,000 |
| Cobb County Georgia | 1 | $ 118,000 | $ 118,000 | $ 121,000 |
| Wyandotte County Kansas | 1 | $ 90,000 | $ 90,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 158,000 | $ 158,000 | $ 43,000 |
| Livingston County Louisiana | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 417,000 | $ 417,000 | $ 135,000 |
| Talbot County Maryland | 1 | $ 152,000 | $ 152,000 | $ 44,000 |
| Lee County Mississippi | 1 | $ 102,000 | $ 102,000 | $ 37,000 |
| Panola County Mississippi | 1 | $ 13,000 | $ 13,000 | $ 19,000 |
| Cass County Missouri | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Nassau County New York | 1 | $ 243,000 | $ 243,000 | $ 77,000 |
| Alamance County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 47,000 |
| Brunswick County North Carolina | 1 | $ 314,000 | $ 314,000 | $ 266,000 |
| Buncombe County North Carolina | 1 | $ 234,000 | $ 234,000 | $ 122,000 |
| Craven County North Carolina | 1 | $ 27,000 | $ 27,000 | $ 55,000 |
| Dare County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 79,000 |
| Franklin County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 103,000 |
| Granville County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 53,000 |
| Halifax County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Lincoln County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 60,000 |
| New Hanover County North Carolina | 1 | $ 334,000 | $ 334,000 | $ 472,000 |
| Pitt County North Carolina | 1 | $ 94,000 | $ 94,000 | $ 240,000 |
| Rockingham County North Carolina | 1 | $ 91,000 | $ 91,000 | $ 88,000 |
| Warren County North Carolina | 1 | $ 406,000 | $ 406,000 | $ 156,000 |
| Oklahoma County Oklahoma | 1 | $ 334,000 | $ 334,000 | $ 66,000 |
| Charleston County South Carolina | 1 | $ 127,000 | $ 127,000 | $ 63,000 |
| Coffee County Tennessee | 1 | $ 170,000 | $ 170,000 | $ 65,000 |
| Hardin County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Sevier County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Denton County Texas | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Loudoun County Virginia | 1 | $ 308,000 | $ 308,000 | $ 142,000 |
| Washington County Virginia | 1 | $ 143,000 | $ 143,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Southbank 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 | 442 | $54,982,000 | $164,454 | $540,000 | $98,636 | $1,000,000 |
| Refinancing | 405 | $52,128,000 | $153,533 | $575,000 | $69,000 | $524,000 |
| Home Improvement | 13 | $466,000 | $33,250 | $101,000 | $51,250 | $122,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 721 | $90,251,000 | $158,666 | $570,000 | $72,866 | $1,000,000 |
| Black or African American | 89 | $11,678,000 | $134,000 | $575,000 | $77,333 | $225,000 |
| Asian | 28 | $3,963,000 | $132,500 | $503,000 | $126,750 | $463,000 |
| Not applicable | 10 | $532,000 | $53,000 | $96,000 | $81,000 | $178,000 |
| Hispanic | 4 | $336,000 | $84,000 | $101,000 | $67,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $224,000 | $52,000 | $70,000 | $62,000 | $155,000 |
| Not Provided | 3 | $492,000 | $165,500 | $179,000 | $100,500 | $120,000 |
| American Indian or Alaskan Native | 1 | $100,000 | $100,000 | $100,000 | $40,000 | $40,000 |
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) | 780 | $97,114,000 | $166,933 | $575,000 | $79,200 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 54 | $6,045,000 | $107,750 | $177,000 | $35,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,417,000 | $150,000 | $255,000 | $45,000 | $116,000 |
| 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 | 691 | $87,824,000 | $157,266 | $575,000 | $78,866 | $1,000,000 |
| Application Withdrawn By Applicant | 119 | $14,872,000 | $129,333 | $570,000 | $72,333 | $240,000 |
| Application Denied By Financial Institution | 22 | $2,275,000 | $161,333 | $540,000 | $76,166 | $237,000 |
| Application Approved But Not Accepted | 16 | $1,527,000 | $63,500 | $232,000 | $68,000 | $317,000 |
| File Closed For Incompleteness | 12 | $1,078,000 | $95,500 | $224,000 | $22,500 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $661,000 | $82,500 | $212,000 | $42,000 | $91,000 |
| Debt-To-Income Ratio | 6 | $366,000 | $67,800 | $110,000 | $47,000 | $116,000 |
| Collateral | 6 | $926,000 | $196,000 | $540,000 | $98,500 | $237,000 |
| Unverifiable Information | 2 | $322,000 | $161,000 | $179,000 | $90,000 | $120,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southbank'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 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.