Southern Commerce Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Southern Commerce Bank, Na 2006 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 | Southern Commerce Bank, Na 5650 Breckenridge Park Drive, Suite 110 Tampa, FL 33610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 244 |
| Total Mortgage Loan Application Amount | $40,563,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $73,333 |
| Highest Applicant Income | $1,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Southern Commerce Bank, Na. 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 Southern Commerce Bank, Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Southern Commerce Bank, Na'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 Southern Commerce Bank, Na serves its applicants.
Each category highlights the total number of mortgage applications processed by Southern Commerce Bank, Na, 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 Southern Commerce Bank, Na's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange County Florida | 54 | $ 8,280,000 | $ 153,000 | $ 58,000 |
| Volusia County Florida | 45 | $ 8,014,000 | $ 178,000 | $ 84,000 |
| Hillsborough County Florida | 14 | $ 2,983,000 | $ 213,000 | $ 152,000 |
| Lake County Florida | 10 | $ 2,696,000 | $ 269,000 | $ 102,000 |
| Osceola County Florida | 6 | $ 1,035,000 | $ 172,000 | $ 74,000 |
| Polk County Florida | 6 | $ 762,000 | $ 127,000 | $ 21,000 |
| Whitfield County Georgia | 5 | $ 406,000 | $ 81,000 | $ 41,000 |
| Citrus County Florida | 4 | $ 513,000 | $ 128,000 | $ 57,000 |
| Duval County Florida | 4 | $ 698,000 | $ 174,000 | $ 103,000 |
| Pasco County Florida | 4 | $ 792,000 | $ 198,000 | $ 123,000 |
| Seminole County Florida | 4 | $ 830,000 | $ 207,000 | $ 88,000 |
| Gwinnett County Georgia | 4 | $ 501,000 | $ 125,000 | $ 106,000 |
| Shelby County Tennessee | 4 | $ 449,000 | $ 112,000 | $ 46,000 |
| Flagler County Florida | 3 | $ 358,000 | $ 119,000 | $ 54,000 |
| Miami-Dade County Florida | 3 | $ 442,000 | $ 147,000 | $ 102,000 |
| Palm Beach County Florida | 3 | $ 577,000 | $ 192,000 | $ 84,000 |
| Sarasota County Florida | 3 | $ 519,000 | $ 173,000 | $ 142,000 |
| Mecklenburg County North Carolina | 3 | $ 707,000 | $ 235,000 | $ 127,000 |
| Broward County Florida | 2 | $ 481,000 | $ 240,000 | $ 96,000 |
| Lee County Florida | 2 | $ 376,000 | $ 188,000 | $ 729,000 |
| Pinellas County Florida | 2 | $ 952,000 | $ 476,000 | $ 819,000 |
| Bibb County Georgia | 2 | $ 388,000 | $ 194,000 | $ 112,000 |
| Carroll County Georgia | 2 | $ 164,000 | $ 82,000 | $ 49,000 |
| Cherokee County Georgia | 2 | $ 122,000 | $ 61,000 | $ 138,000 |
| Harris County Georgia | 2 | $ 222,000 | $ 111,000 | $ 56,000 |
| Henry County Georgia | 2 | $ 189,000 | $ 94,000 | $ 64,000 |
| Houston County Georgia | 2 | $ 326,000 | $ 163,000 | $ 46,000 |
| Jones County Georgia | 2 | $ 221,000 | $ 110,000 | $ 96,000 |
| Richmond County Georgia | 2 | $ 156,000 | $ 78,000 | $ 38,000 |
| Rensselaer County New York | 2 | $ 196,000 | $ 98,000 | $ 37,000 |
| Miami County Ohio | 2 | $ 114,000 | $ 57,000 | $ 126,000 |
| Kent County Delaware | 1 | $ 200,000 | $ 200,000 | $ 87,000 |
| Brevard County Florida | 1 | $ 405,000 | $ 405,000 | $ 96,000 |
| Dixie County Florida | 1 | $ 315,000 | $ 315,000 | $ 180,000 |
| Manatee County Florida | 1 | $ 260,000 | $ 260,000 | $ 108,000 |
| Marion County Florida | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| St. Lucie County Florida | 1 | $ 116,000 | $ 116,000 | $ 52,000 |
| Suwannee County Florida | 1 | $ 161,000 | $ 161,000 | $ 38,000 |
| Clayton County Georgia | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Cobb County Georgia | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Columbia County Georgia | 1 | $ 360,000 | $ 360,000 | $ 96,000 |
| DeKalb County Georgia | 1 | $ 110,000 | $ 110,000 | $ 28,000 |
| Douglas County Georgia | 1 | $ 234,000 | $ 234,000 | $ 87,000 |
| Gordon County Georgia | 1 | $ 144,000 | $ 144,000 | $ 49,000 |
| Lee County Georgia | 1 | $ 200,000 | $ 200,000 | $ 124,000 |
| Lowndes County Georgia | 1 | $ 158,000 | $ 158,000 | $ 40,000 |
| Murray County Georgia | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Peach County Georgia | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Prince George's County Maryland | 1 | $ 246,000 | $ 246,000 | $ 109,000 |
| Suffolk County Massachusetts | 1 | $ 296,000 | $ 296,000 | $ 43,000 |
| Pearl River County Mississippi | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Strafford County New Hampshire | 1 | $ 112,000 | $ 112,000 | $ 38,000 |
| Saratoga County New York | 1 | $ 200,000 | $ 200,000 | $ 57,000 |
| Brunswick County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 63,000 |
| Craven County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 27,000 |
| Guilford County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Lenoir County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 107,000 |
| Wake County North Carolina | 1 | $ 163,000 | $ 163,000 | $ 57,000 |
| Seneca County Ohio | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
| Lancaster County Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 68,000 |
| Edgefield County South Carolina | 1 | $ 48,000 | $ 48,000 | $ 79,000 |
| Georgetown County South Carolina | 1 | $ 204,000 | $ 204,000 | $ 193,000 |
| Greenville County South Carolina | 1 | $ 197,000 | $ 197,000 | $ 45,000 |
| Davidson County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Montgomery County Tennessee | 1 | $ 107,000 | $ 107,000 | $ 94,000 |
| Rutherford County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 84,000 |
| Bedford County Virginia | 1 | $ 360,000 | $ 360,000 | $ 88,000 |
| Lincoln County West Virginia | 1 | $ 43,000 | $ 43,000 | $ 24,000 |
| Marion County West Virginia | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Wetzel County West Virginia | 1 | $ 52,000 | $ 52,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Southern Commerce Bank, Na in 2006
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 | 137 | $21,570,000 | $157,000 | $736,000 | $101,000 | $1,600,000 |
| Refinancing | 105 | $18,709,000 | $178,000 | $1,260,000 | $75,000 | $418,000 |
| Home Improvement | 2 | $284,000 | $142,000 | $156,000 | $44,000 | $48,000 |
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 | 118 | $21,957,000 | $186,000 | $1,260,000 | $117,000 | $1,600,000 |
| Hispanic | 84 | $12,950,000 | $154,000 | $377,000 | $65,000 | $197,000 |
| Black or African American | 24 | $3,292,000 | $137,000 | $296,000 | $56,000 | $94,000 |
| Not Provided | 15 | $1,961,000 | $130,000 | $280,000 | $61,000 | $109,000 |
| Asian | 3 | $403,000 | $134,000 | $252,000 | $105,000 | $144,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 244 | $40,563,000 | $166,000 | $1,260,000 | $90,000 | $1,600,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 130 | $20,589,000 | $158,000 | $694,000 | $89,000 | $729,000 |
| Application Approved But Not Accepted | 69 | $11,101,000 | $160,000 | $736,000 | $96,000 | $1,600,000 |
| Application Denied By Financial Institution | 22 | $4,722,000 | $214,000 | $1,260,000 | $84,000 | $418,000 |
| Application Withdrawn By Applicant | 17 | $3,012,000 | $177,000 | $660,000 | $80,000 | $294,000 |
| File Closed For Incompleteness | 6 | $1,139,000 | $189,000 | $377,000 | $77,000 | $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 | 7 | $1,045,000 | $149,000 | $239,000 | $68,000 | $96,000 |
| Debt-To-Income Ratio | 5 | $2,289,000 | $457,000 | $1,260,000 | $123,000 | $418,000 |
| Other | 4 | $454,000 | $113,000 | $206,000 | $97,000 | $264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $366,000 | $122,000 | $202,000 | $32,000 | $52,000 |
| Credit Application Incomplete | 2 | $330,000 | $165,000 | $167,000 | $53,000 | $57,000 |
| Collateral | 1 | $238,000 | $238,000 | $238,000 | $165,000 | $165,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern Commerce Bank, Na's 2006 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 Southern Commerce Bank, Na'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 Florida, download the full spreadsheet
with aggregated HMDA statistics today.