Southern Commerce Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Southern Commerce Bank 2005 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 5650 Breckenridge Park Drive #110 Tampa, FL 33610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 655 |
| Total Mortgage Loan Application Amount | $115,308,000 |
| Average Mortgage Loan Application Amount | $246,440 |
| Highest Mortgage Loan Application Amount | $3,700,000 |
| Average Applicant Income | $126,680 |
| Highest Applicant Income | $1,351,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Southern Commerce Bank. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Southern Commerce Bank'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by Southern Commerce Bank, 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's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Volusia County Florida | 103 | $ 16,125,000 | $ 156,000 | $ 58,000 |
| Orange County Florida | 85 | $ 12,273,000 | $ 144,000 | $ 70,000 |
| Hillsborough County Florida | 40 | $ 7,322,000 | $ 183,000 | $ 105,000 |
| Broward County Florida | 18 | $ 4,058,000 | $ 225,000 | $ 95,000 |
| Bibb County Georgia | 18 | $ 1,882,000 | $ 104,000 | $ 41,000 |
| Citrus County Florida | 17 | $ 2,057,000 | $ 121,000 | $ 94,000 |
| Seminole County Florida | 16 | $ 2,638,000 | $ 164,000 | $ 55,000 |
| Sarasota County Florida | 15 | $ 3,952,000 | $ 263,000 | $ 147,000 |
| Flagler County Florida | 14 | $ 2,438,000 | $ 174,000 | $ 231,000 |
| Polk County Florida | 14 | $ 1,890,000 | $ 135,000 | $ 73,000 |
| Osceola County Florida | 13 | $ 1,696,000 | $ 130,000 | $ 52,000 |
| Richmond County Georgia | 13 | $ 1,174,000 | $ 90,000 | $ 38,000 |
| Shelby County Tennessee | 11 | $ 985,000 | $ 89,000 | $ 82,000 |
| Lake County Florida | 10 | $ 1,654,000 | $ 165,000 | $ 79,000 |
| Gwinnett County Georgia | 10 | $ 1,665,000 | $ 166,000 | $ 129,000 |
| Pasco County Florida | 8 | $ 1,295,000 | $ 161,000 | $ 59,000 |
| Pinellas County Florida | 8 | $ 2,050,000 | $ 256,000 | $ 248,000 |
| St. Johns County Florida | 8 | $ 1,291,000 | $ 161,000 | $ 58,000 |
| DeKalb County Georgia | 7 | $ 859,000 | $ 122,000 | $ 41,000 |
| Duval County Florida | 6 | $ 872,000 | $ 145,000 | $ 85,000 |
| Miami-Dade County Florida | 6 | $ 2,008,000 | $ 334,000 | $ 97,000 |
| Carroll County Georgia | 6 | $ 713,000 | $ 118,000 | $ 63,000 |
| Palm Beach County Florida | 5 | $ 1,880,000 | $ 376,000 | $ 130,000 |
| Lee County Florida | 4 | $ 446,000 | $ 111,000 | $ 941,000 |
| Manatee County Florida | 4 | $ 830,000 | $ 207,000 | $ 77,000 |
| Haralson County Georgia | 4 | $ 479,000 | $ 119,000 | $ 94,000 |
| Houston County Georgia | 4 | $ 494,000 | $ 123,000 | $ 49,000 |
| Bedford County Virginia | 4 | $ 676,000 | $ 169,000 | $ 59,000 |
| Hernando County Florida | 3 | $ 398,000 | $ 132,000 | $ 53,000 |
| Marion County Florida | 3 | $ 285,000 | $ 95,000 | $ 33,000 |
| St. Lucie County Florida | 3 | $ 443,000 | $ 147,000 | $ 56,000 |
| Bartow County Georgia | 3 | $ 435,000 | $ 145,000 | $ 68,000 |
| Clayton County Georgia | 3 | $ 366,000 | $ 122,000 | $ 106,000 |
| Cobb County Georgia | 3 | $ 703,000 | $ 234,000 | $ 68,000 |
| Floyd County Georgia | 3 | $ 402,000 | $ 134,000 | $ 77,000 |
| Fulton County Georgia | 3 | $ 781,000 | $ 260,000 | $ 35,000 |
| Lee County Georgia | 3 | $ 396,000 | $ 132,000 | $ 61,000 |
| Newton County Georgia | 3 | $ 748,000 | $ 249,000 | $ 42,000 |
| Peach County Georgia | 3 | $ 338,000 | $ 112,000 | $ 54,000 |
| Whitfield County Georgia | 3 | $ 249,000 | $ 83,000 | $ 62,000 |
| Suffolk County New York | 3 | $ 1,466,000 | $ 488,000 | $ 156,000 |
| Clearfield County Pennsylvania | 3 | $ 339,000 | $ 113,000 | $ 46,000 |
| Kent County Delaware | 2 | $ 424,000 | $ 212,000 | $ 74,000 |
| Brevard County Florida | 2 | $ 615,000 | $ 307,000 | $ 86,000 |
| Collier County Florida | 2 | $ 1,050,000 | $ 525,000 | $ 143,000 |
| Columbia County Georgia | 2 | $ 124,000 | $ 62,000 | $ 77,000 |
| Crawford County Georgia | 2 | $ 263,000 | $ 131,000 | $ 48,000 |
| Jones County Georgia | 2 | $ 258,000 | $ 129,000 | $ 59,000 |
| Baltimore City County Maryland | 2 | $ 265,000 | $ 132,000 | $ 100,000 |
| Queens County New York | 2 | $ 903,000 | $ 451,000 | $ 252,000 |
| Dare County North Carolina | 2 | $ 308,000 | $ 154,000 | $ 69,000 |
| Mecklenburg County North Carolina | 2 | $ 287,000 | $ 143,000 | $ 69,000 |
| Wake County North Carolina | 2 | $ 223,000 | $ 111,000 | $ 45,000 |
| Union County Pennsylvania | 2 | $ 224,000 | $ 112,000 | $ 61,000 |
| Franklin County Virginia | 2 | $ 1,278,000 | $ 639,000 | $ 1,071,000 |
| Shawano County Wisconsin | 2 | $ 123,000 | $ 61,000 | $ 50,000 |
| Sussex County Delaware | 1 | $ 264,000 | $ 264,000 | $ 75,000 |
| Alachua County Florida | 1 | $ 133,000 | $ 133,000 | $ 199,000 |
| Bay County Florida | 1 | $ 230,000 | $ 230,000 | $ 329,000 |
| Highlands County Florida | 1 | $ 70,000 | $ 70,000 | $ 21,000 |
| Leon County Florida | 1 | $ 70,000 | $ 70,000 | $ 103,000 |
| Levy County Florida | 1 | $ 40,000 | $ 40,000 | $ 18,000 |
| Monroe County Florida | 1 | $ 488,000 | $ 488,000 | $ 132,000 |
| Okaloosa County Florida | 1 | $ 3,700,000 | $ 3,700,000 | $ 880,000 |
| Sumter County Florida | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Walton County Florida | 1 | $ 383,000 | $ 383,000 | $ 232,000 |
| Baldwin County Georgia | 1 | $ 144,000 | $ 144,000 | $ 47,000 |
| Cherokee County Georgia | 1 | $ 131,000 | $ 131,000 | $ 70,000 |
| Colquitt County Georgia | 1 | $ 79,000 | $ 79,000 | $ 30,000 |
| Dougherty County Georgia | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Forsyth County Georgia | 1 | $ 120,000 | $ 120,000 | $ 77,000 |
| Hall County Georgia | 1 | $ 152,000 | $ 152,000 | $ 47,000 |
| Henry County Georgia | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Jefferson County Georgia | 1 | $ 139,000 | $ 139,000 | $ 61,000 |
| Jenkins County Georgia | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
| Liberty County Georgia | 1 | $ 121,000 | $ 121,000 | $ 80,000 |
| Monroe County Georgia | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Murray County Georgia | 1 | $ 82,000 | $ 82,000 | $ 36,000 |
| Paulding County Georgia | 1 | $ 200,000 | $ 200,000 | $ 81,000 |
| Pickens County Georgia | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Putnam County Georgia | 1 | $ 187,000 | $ 187,000 | $ 164,000 |
| Quitman County Georgia | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Rockdale County Georgia | 1 | $ 112,000 | $ 112,000 | $ 85,000 |
| Spalding County Georgia | 1 | $ 223,000 | $ 223,000 | $ 56,000 |
| Thomas County Georgia | 1 | $ 26,000 | $ 26,000 | $ 56,000 |
| Walton County Georgia | 1 | $ 210,000 | $ 210,000 | $ 81,000 |
| Baltimore County Maryland | 1 | $ 156,000 | $ 156,000 | $ 64,000 |
| Harford County Maryland | 1 | $ 345,000 | $ 345,000 | $ 175,000 |
| Prince George's County Maryland | 1 | $ 333,000 | $ 333,000 | $ 115,000 |
| Suffolk County Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 288,000 |
| Lapeer County Michigan | 1 | $ 184,000 | $ 184,000 | $ 39,000 |
| Jackson County Mississippi | 1 | $ 98,000 | $ 98,000 | $ 144,000 |
| Essex County New York | 1 | $ 660,000 | $ 660,000 | $ 180,000 |
| Nassau County New York | 1 | $ 2,000,000 | $ 2,000,000 | $ 540,000 |
| Orange County New York | 1 | $ 284,000 | $ 284,000 | $ 85,000 |
| Beaufort County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 48,000 |
| Burke County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 54,000 |
| Carteret County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 32,000 |
| Johnston County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Lenoir County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 128,000 |
| Wilkes County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Butler County Ohio | 1 | $ 1,350,000 | $ 1,350,000 | $ 880,000 |
| Franklin County Ohio | 1 | $ 117,000 | $ 117,000 | $ 52,000 |
| Miami County Ohio | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Montgomery County Ohio | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Preble County Ohio | 1 | $ 86,000 | $ 86,000 | $ 48,000 |
| Tuscarawas County Ohio | 1 | $ 112,000 | $ 112,000 | $ 38,000 |
| Allegheny County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 208,000 |
| Beaver County Pennsylvania | 1 | $ 134,000 | $ 134,000 | $ 174,000 |
| Centre County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 23,000 |
| Perry County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| Washington County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Fairfax County Virginia | 1 | $ 343,000 | $ 343,000 | $ 74,000 |
| Fauquier County Virginia | 1 | $ 297,000 | $ 297,000 | $ 77,000 |
| Fredericksburg County Virginia | 1 | $ 364,000 | $ 364,000 | $ 600,000 |
| Henrico County Virginia | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Wise County Virginia | 1 | $ 69,000 | $ 69,000 | $ 60,000 |
| Putnam County West Virginia | 1 | $ 91,000 | $ 91,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Southern Commerce Bank in 2005
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 | 345 | $54,851,000 | $173,090 | $713,000 | $117,181 | $1,351,000 |
| Refinancing | 310 | $60,457,000 | $304,071 | $3,700,000 | $134,142 | $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 | 374 | $72,198,000 | $285,000 | $3,700,000 | $125,785 | $1,087,000 |
| Hispanic | 142 | $21,907,000 | $118,500 | $600,000 | $68,000 | $401,000 |
| Black or African American | 87 | $12,738,000 | $196,750 | $550,000 | $77,625 | $232,000 |
| Not Provided | 41 | $6,434,000 | $168,600 | $664,000 | $83,800 | $375,000 |
| Asian | 7 | $1,163,000 | $156,500 | $368,000 | $102,500 | $218,000 |
| American Indian or Alaskan Native | 2 | $205,000 | $102,000 | $164,000 | $74,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $62,000 | $62,000 |
| Not applicable | 1 | $613,000 | $613,000 | $613,000 | $1,351,000 | $1,351,000 |
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) | 655 | $115,308,000 | $248,125 | $3,700,000 | $116,437 | $1,351,000 |
| 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 | 270 | $44,651,000 | $176,900 | $1,000,000 | $133,200 | $1,351,000 |
| Application Withdrawn By Applicant | 148 | $30,335,000 | $396,500 | $3,700,000 | $177,166 | $1,042,000 |
| Application Denied By Financial Institution | 100 | $13,842,000 | $186,900 | $713,000 | $74,300 | $950,000 |
| File Closed For Incompleteness | 97 | $17,856,000 | $177,636 | $1,204,000 | $70,545 | $480,000 |
| Application Approved But Not Accepted | 24 | $4,995,000 | $262,666 | $777,000 | $102,000 | $350,000 |
| Loan Purchased By The Institution | 16 | $3,629,000 | $226,000 | $552,000 | $117,000 | $288,000 |
| 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 | 52 | $6,502,000 | $148,166 | $664,000 | $60,833 | $950,000 |
| Debt-To-Income Ratio | 21 | $2,928,000 | $147,285 | $252,000 | $48,428 | $76,000 |
| Other | 11 | $1,814,000 | $243,250 | $660,000 | $98,750 | $300,000 |
| Collateral | 9 | $1,172,000 | $112,500 | $215,000 | $121,500 | $400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,108,000 | $195,666 | $713,000 | $113,666 | $252,000 |
| Mortgage Insurance Denied | 1 | $228,000 | $228,000 | $228,000 | $89,000 | $89,000 |
| Employment History | 1 | $90,000 | $90,000 | $90,000 | $144,000 | $144,000 |
| Credit Application Incomplete | 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's 2005 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'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.