Southstar Funding, LLC Mortgage Lending & HMDA Data, 2005
In 2005, Southstar Funding, LLC of Atlanta, GA reported 83,710 mortgage applications totaling $11.1 billion, up 38% from 2004. The average application was for $132,879, and applicants reported an average income of $71,959. 54% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (9,601), Orlando, FL (2,549) and Denver-Aurora, CO (2,317) (applications in parentheses).
| Mortgage Company & Address | Southstar Funding, LLC 400 Northrdige Road, Suite 1000 Atlanta, GA 30350 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 83,710 |
| Total Mortgage Loan Application Amount | $11,123,351,000 |
| Average Mortgage Loan Application Amount | $132,879 |
| Highest Mortgage Loan Application Amount | $3,300,000 |
| Average Applicant Income | $71,959 |
| Highest Applicant Income | $7,970,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Southstar Funding, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 9,601 | $ 1,156,715,000 | $ 120,478 | $ 64,000 |
| Orlando, FL | 2,549 | $ 391,935,000 | $ 153,760 | $ 74,000 |
| Denver-Aurora, CO | 2,317 | $ 347,392,000 | $ 149,931 | $ 84,000 |
| Nashville-Davidson--Murfreesboro, TN | 1,974 | $ 192,470,000 | $ 97,502 | $ 71,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,890 | $ 284,566,000 | $ 150,564 | $ 81,000 |
| Miami-Miami Beach-Kendall, FL | 1,736 | $ 298,399,000 | $ 171,888 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,614 | $ 210,277,000 | $ 130,283 | $ 68,000 |
| Cleveland-Elyria-Mentor, OH | 1,612 | $ 171,377,000 | $ 106,313 | $ 61,000 |
| Houston-Baytown-Sugar Land, TX | 1,567 | $ 144,966,000 | $ 92,511 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,456 | $ 241,737,000 | $ 166,028 | $ 82,000 |
| Memphis, TN-MS-AR | 1,431 | $ 127,180,000 | $ 88,874 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,401 | $ 257,443,000 | $ 183,756 | $ 96,000 |
| Columbus, OH | 1,231 | $ 135,395,000 | $ 109,987 | $ 71,000 |
| Chicago-Naperville-Joliet, IL | 1,213 | $ 187,801,000 | $ 154,823 | $ 87,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1,204 | $ 139,257,000 | $ 115,661 | $ 54,000 |
| Dallas-Plano-Irving, TX | 1,063 | $ 111,561,000 | $ 104,949 | $ 74,000 |
| Birmingham-Hoover, AL | 979 | $ 90,699,000 | $ 92,644 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 880 | $ 121,013,000 | $ 137,514 | $ 71,000 |
| Indianapolis, IN | 846 | $ 87,505,000 | $ 103,433 | $ 65,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 831 | $ 153,994,000 | $ 185,311 | $ 98,000 |
| Jacksonville, FL | 823 | $ 103,523,000 | $ 125,787 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 810 | $ 186,224,000 | $ 229,906 | $ 117,000 |
| Warren-Farmington Hills-Troy, MI | 800 | $ 119,763,000 | $ 149,703 | $ 78,000 |
| Charleston-North Charleston, SC | 789 | $ 91,679,000 | $ 116,196 | $ 65,000 |
| Cincinnati-Middletown, OH-KY-IN | 787 | $ 90,851,000 | $ 115,439 | $ 62,000 |
| Detroit-Livonia-Dearborn, MI | 753 | $ 77,937,000 | $ 103,501 | $ 66,000 |
| Savannah, GA | 649 | $ 67,259,000 | $ 103,634 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 621 | $ 98,142,000 | $ 158,038 | $ 91,000 |
| San Antonio, TX | 607 | $ 46,992,000 | $ 77,416 | $ 59,000 |
| Colorado Springs, CO | 566 | $ 77,750,000 | $ 137,367 | $ 72,000 |
| Baltimore-Towson, MD | 542 | $ 91,178,000 | $ 168,225 | $ 90,000 |
| Las Vegas-Paradise, NV | 538 | $ 103,738,000 | $ 192,821 | $ 108,000 |
| Sarasota-Bradenton-Venice, FL | 532 | $ 86,282,000 | $ 162,184 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 521 | $ 141,944,000 | $ 272,445 | $ 137,000 |
| Columbia, SC | 508 | $ 46,019,000 | $ 90,588 | $ 54,000 |
| Akron, OH | 507 | $ 59,155,000 | $ 116,676 | $ 79,000 |
| Worcester, MA | 477 | $ 75,574,000 | $ 158,436 | $ 69,000 |
| St. Louis, MO-IL | 450 | $ 46,537,000 | $ 103,415 | $ 62,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 449 | $ 54,123,000 | $ 120,541 | $ 73,000 |
| Providence-New Bedford-Fall River, RI-MA | 446 | $ 70,111,000 | $ 157,199 | $ 83,000 |
| Kansas City, MO-KS | 441 | $ 43,123,000 | $ 97,784 | $ 79,000 |
| Raleigh-Cary, NC | 440 | $ 49,610,000 | $ 112,750 | $ 59,000 |
| Lakeland, FL | 435 | $ 50,537,000 | $ 116,177 | $ 72,000 |
| Boston-Quincy, MA | 415 | $ 98,193,000 | $ 236,609 | $ 110,000 |
| Port St. Lucie-Fort Pierce, FL | 410 | $ 62,239,000 | $ 151,802 | $ 74,000 |
| Fort Worth-Arlington, TX | 402 | $ 32,561,000 | $ 80,997 | $ 58,000 |
| San Diego-Carlsbad-San Marcos, CA | 399 | $ 106,681,000 | $ 267,370 | $ 135,000 |
| Austin-Round Rock, TX | 377 | $ 34,332,000 | $ 91,066 | $ 66,000 |
| Hartford-West Hartford-East Hartford, CT | 376 | $ 51,533,000 | $ 137,055 | $ 89,000 |
| Essex County, MA | 363 | $ 68,125,000 | $ 187,672 | $ 87,000 |
| Greensboro-High Point, NC | 362 | $ 37,221,000 | $ 102,820 | $ 50,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 361 | $ 40,072,000 | $ 111,002 | $ 84,000 |
| New Orleans-Metairie-Kenner, LA | 350 | $ 39,113,000 | $ 111,751 | $ 61,000 |
| Tulsa, OK | 345 | $ 29,874,000 | $ 86,591 | $ 67,000 |
| Bethesda-Frederick-Gaithersburg, MD | 324 | $ 75,055,000 | $ 231,651 | $ 105,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 314 | $ 73,550,000 | $ 234,235 | $ 123,000 |
| Baton Rouge, LA | 312 | $ 26,234,000 | $ 84,083 | $ 55,000 |
| Louisville, KY-IN | 312 | $ 32,605,000 | $ 104,503 | $ 62,000 |
| Pittsburgh, PA | 297 | $ 28,547,000 | $ 96,117 | $ 59,000 |
| Richmond, VA | 296 | $ 36,396,000 | $ 122,959 | $ 63,000 |
| Philadelphia, PA | 275 | $ 41,235,000 | $ 149,945 | $ 86,000 |
| Dayton, OH | 274 | $ 24,049,000 | $ 87,770 | $ 54,000 |
| Cambridge-Newton-Framingham, MA | 273 | $ 56,261,000 | $ 206,084 | $ 90,000 |
| New York-Wayne-White Plains, NY-NJ | 270 | $ 83,774,000 | $ 310,274 | $ 110,000 |
| Athens-Clarke County, GA | 265 | $ 27,688,000 | $ 104,483 | $ 121,000 |
| Newark-Union, NJ-PA | 255 | $ 56,530,000 | $ 221,686 | $ 109,000 |
| Jackson, MS | 248 | $ 21,473,000 | $ 86,584 | $ 61,000 |
| Bridgeport-Stamford-Norwalk, CT | 235 | $ 52,739,000 | $ 224,421 | $ 93,000 |
| Springfield, MA | 234 | $ 24,891,000 | $ 106,371 | $ 67,000 |
| Huntsville, AL | 231 | $ 18,841,000 | $ 81,562 | $ 59,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 225 | $ 54,729,000 | $ 243,240 | $ 111,000 |
| Knoxville, TN | 223 | $ 19,219,000 | $ 86,183 | $ 58,000 |
| Santa Ana-Anaheim-Irvine, CA | 218 | $ 72,647,000 | $ 333,243 | $ 186,000 |
| Canton-Massillon, OH | 217 | $ 20,378,000 | $ 93,907 | $ 55,000 |
| Winston-Salem, NC | 216 | $ 20,900,000 | $ 96,759 | $ 55,000 |
| Greenville, SC | 212 | $ 19,557,000 | $ 92,250 | $ 44,000 |
| Montgomery, AL | 207 | $ 16,212,000 | $ 78,318 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 204 | $ 29,039,000 | $ 142,348 | $ 76,000 |
| Edison, NJ | 196 | $ 41,138,000 | $ 209,887 | $ 111,000 |
| Grand Rapids-Wyoming, MI | 186 | $ 17,445,000 | $ 93,790 | $ 62,000 |
| Macon, GA | 185 | $ 16,765,000 | $ 90,621 | $ 59,000 |
| Flint, MI | 184 | $ 20,553,000 | $ 111,701 | $ 65,000 |
| Greeley, CO | 179 | $ 24,241,000 | $ 135,424 | $ 69,000 |
| Naples-Marco Island, FL | 174 | $ 39,313,000 | $ 225,936 | $ 134,000 |
| Augusta-Richmond County, GA-SC | 171 | $ 15,917,000 | $ 93,081 | $ 61,000 |
| Asheville, NC | 161 | $ 22,277,000 | $ 138,366 | $ 125,000 |
| New Haven-Milford, CT | 161 | $ 23,991,000 | $ 149,012 | $ 68,000 |
| Columbus, GA-AL | 155 | $ 13,983,000 | $ 90,212 | $ 59,000 |
| Seattle-Bellevue-Everett, WA | 153 | $ 28,114,000 | $ 183,751 | $ 100,000 |
| Milwaukee-Waukesha-West Allis, WI | 145 | $ 15,527,000 | $ 107,082 | $ 63,000 |
| Wilmington, NC | 142 | $ 19,491,000 | $ 137,260 | $ 68,000 |
| Laredo, TX | 141 | $ 11,352,000 | $ 80,510 | $ 69,000 |
| Oakland-Fremont-Hayward, CA | 140 | $ 43,057,000 | $ 307,550 | $ 144,000 |
| Tallahassee, FL | 140 | $ 14,359,000 | $ 102,564 | $ 64,000 |
| Punta Gorda, FL | 137 | $ 18,141,000 | $ 132,416 | $ 55,000 |
| Toledo, OH | 132 | $ 12,983,000 | $ 98,356 | $ 53,000 |
| Manchester-Nashua, NH | 131 | $ 19,762,000 | $ 150,854 | $ 77,000 |
| Salt Lake City, UT | 131 | $ 18,140,000 | $ 138,473 | $ 82,000 |
| Durham, NC | 125 | $ 14,794,000 | $ 118,352 | $ 80,000 |
| Warner Robins, GA | 125 | $ 13,333,000 | $ 106,664 | $ 58,000 |
| Chattanooga, TN-GA | 122 | $ 9,853,000 | $ 80,762 | $ 58,000 |
| Lansing-East Lansing, MI | 122 | $ 12,478,000 | $ 102,278 | $ 70,000 |
| Mobile, AL | 121 | $ 9,103,000 | $ 75,231 | $ 79,000 |
| Portland-Vancouver-Beaverton, OR-WA | 121 | $ 16,636,000 | $ 137,487 | $ 79,000 |
| Rockingham County-Strafford County, NH | 120 | $ 21,138,000 | $ 176,150 | $ 83,000 |
| Brunswick, GA | 118 | $ 11,891,000 | $ 100,771 | $ 56,000 |
| Boulder, CO | 113 | $ 17,537,000 | $ 155,194 | $ 80,000 |
| Lake County-Kenosha County, IL-WI | 112 | $ 16,868,000 | $ 150,607 | $ 71,000 |
| Pensacola-Ferry Pass-Brent, FL | 107 | $ 12,668,000 | $ 118,392 | $ 90,000 |
| Springfield, MO | 105 | $ 8,874,000 | $ 84,514 | $ 65,000 |
| Tucson, AZ | 102 | $ 13,959,000 | $ 136,852 | $ 90,000 |
| Fort Collins-Loveland, CO | 101 | $ 14,265,000 | $ 141,237 | $ 57,000 |
| Gainesville, GA | 101 | $ 14,507,000 | $ 143,633 | $ 68,000 |
| Wilmington, DE-MD-NJ | 101 | $ 16,745,000 | $ 165,792 | $ 69,000 |
| Lexington-Fayette, KY | 98 | $ 11,065,000 | $ 112,908 | $ 61,000 |
| Spartanburg, SC | 96 | $ 7,812,000 | $ 81,375 | $ 37,000 |
| Clarksville, TN-KY | 95 | $ 6,308,000 | $ 66,400 | $ 48,000 |
| Brownsville-Harlingen, TX | 91 | $ 6,087,000 | $ 66,890 | $ 64,000 |
| Atlantic City, NJ | 90 | $ 11,098,000 | $ 123,311 | $ 74,000 |
| Hickory-Lenoir-Morganton, NC | 88 | $ 9,526,000 | $ 108,250 | $ 67,000 |
| McAllen-Edinburg-Pharr, TX | 87 | $ 7,282,000 | $ 83,701 | $ 61,000 |
| Youngstown-Warren-Boardman, OH-PA | 87 | $ 7,637,000 | $ 87,781 | $ 57,000 |
| Fort Wayne, IN | 86 | $ 7,086,000 | $ 82,395 | $ 70,000 |
| Camden, NJ | 82 | $ 12,401,000 | $ 151,231 | $ 80,000 |
| Fresno, CA | 82 | $ 12,994,000 | $ 158,463 | $ 71,000 |
| Gary, IN | 82 | $ 7,854,000 | $ 95,780 | $ 62,000 |
| Norwich-New London, CT | 82 | $ 12,789,000 | $ 155,963 | $ 73,000 |
| Ocala, FL | 76 | $ 7,874,000 | $ 103,605 | $ 55,000 |
| Oklahoma City, OK | 75 | $ 6,023,000 | $ 80,306 | $ 58,000 |
| Stockton, CA | 75 | $ 18,464,000 | $ 246,186 | $ 107,000 |
| Vero Beach, FL | 74 | $ 12,551,000 | $ 169,608 | $ 105,000 |
| Reno-Sparks, NV | 72 | $ 14,217,000 | $ 197,458 | $ 92,000 |
| Albany, GA | 71 | $ 5,912,000 | $ 83,267 | $ 49,000 |
| Anderson, SC | 70 | $ 5,876,000 | $ 83,942 | $ 39,000 |
| Gainesville, FL | 70 | $ 7,196,000 | $ 102,800 | $ 96,000 |
| Modesto, CA | 68 | $ 12,642,000 | $ 185,911 | $ 103,000 |
| Decatur, AL | 66 | $ 4,900,000 | $ 74,242 | $ 43,000 |
| Fayetteville, NC | 64 | $ 6,906,000 | $ 107,906 | $ 61,000 |
| Gulfport-Biloxi, MS | 64 | $ 5,404,000 | $ 84,437 | $ 67,000 |
| Bakersfield, CA | 63 | $ 9,337,000 | $ 148,206 | $ 89,000 |
| Vallejo-Fairfield, CA | 63 | $ 15,489,000 | $ 245,857 | $ 132,000 |
| Albuquerque, NM | 62 | $ 5,556,000 | $ 89,612 | $ 49,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 62 | $ 9,888,000 | $ 159,483 | $ 100,000 |
| Panama City-Lynn Haven, FL | 62 | $ 14,779,000 | $ 238,370 | $ 110,000 |
| Jackson, TN | 61 | $ 5,153,000 | $ 84,475 | $ 70,000 |
| Nassau-Suffolk, NY | 60 | $ 15,625,000 | $ 260,416 | $ 113,000 |
| Pueblo, CO | 60 | $ 6,068,000 | $ 101,133 | $ 53,000 |
| Tuscaloosa, AL | 60 | $ 5,849,000 | $ 97,483 | $ 56,000 |
| Auburn-Opelika, AL | 57 | $ 5,907,000 | $ 103,631 | $ 54,000 |
| Boise City-Nampa, ID | 57 | $ 5,670,000 | $ 99,473 | $ 69,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 57 | $ 10,112,000 | $ 177,403 | $ 85,000 |
| Peoria, IL | 55 | $ 3,346,000 | $ 60,836 | $ 49,000 |
| Rockford, IL | 55 | $ 4,461,000 | $ 81,109 | $ 70,000 |
| Rome, GA | 55 | $ 4,231,000 | $ 76,927 | $ 45,000 |
| Tacoma, WA | 55 | $ 8,192,000 | $ 148,945 | $ 69,000 |
| Burlington, NC | 51 | $ 5,017,000 | $ 98,372 | $ 42,000 |
| Florence, SC | 51 | $ 4,171,000 | $ 81,784 | $ 47,000 |
| Wichita, KS | 50 | $ 4,284,000 | $ 85,680 | $ 69,000 |
| Anniston-Oxford, AL | 49 | $ 3,507,000 | $ 71,571 | $ 47,000 |
| Kalamazoo-Portage, MI | 49 | $ 4,921,000 | $ 100,428 | $ 65,000 |
| Little Rock-North Little Rock, AR | 49 | $ 6,227,000 | $ 127,081 | $ 68,000 |
| Elkhart-Goshen, IN | 48 | $ 4,117,000 | $ 85,770 | $ 66,000 |
| Shreveport-Bossier City, LA | 48 | $ 4,547,000 | $ 94,729 | $ 47,000 |
| Trenton-Ewing, NJ | 48 | $ 5,474,000 | $ 114,041 | $ 69,000 |
| Ann Arbor, MI | 47 | $ 8,709,000 | $ 185,297 | $ 92,000 |
| Florence-Muscle Shoals, AL | 47 | $ 3,018,000 | $ 64,212 | $ 46,000 |
| Provo-Orem, UT | 47 | $ 6,171,000 | $ 131,297 | $ 94,000 |
| Cleveland, TN | 44 | $ 3,654,000 | $ 83,045 | $ 47,000 |
| Elizabethtown, KY | 44 | $ 3,682,000 | $ 83,681 | $ 64,000 |
| Gadsden, AL | 44 | $ 3,602,000 | $ 81,863 | $ 46,000 |
| Rocky Mount, NC | 44 | $ 3,620,000 | $ 82,272 | $ 46,000 |
| Des Moines, IA | 43 | $ 3,938,000 | $ 91,581 | $ 72,000 |
| Lake Charles, LA | 43 | $ 3,079,000 | $ 71,604 | $ 51,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 43 | $ 15,010,000 | $ 349,069 | $ 169,000 |
| Sumter, SC | 43 | $ 3,605,000 | $ 83,837 | $ 46,000 |
| Ogden-Clearfield, UT | 42 | $ 5,886,000 | $ 140,142 | $ 77,000 |
| Roanoke, VA | 42 | $ 4,276,000 | $ 101,809 | $ 48,000 |
| Rochester, MN | 42 | $ 4,037,000 | $ 96,119 | $ 42,000 |
| St. Cloud, MN | 42 | $ 4,622,000 | $ 110,047 | $ 69,000 |
| El Paso, TX | 40 | $ 2,761,000 | $ 69,025 | $ 53,000 |
| Jackson, MI | 40 | $ 3,917,000 | $ 97,925 | $ 60,000 |
| Prescott, AZ | 40 | $ 6,153,000 | $ 153,825 | $ 76,000 |
| Barnstable Town, MA | 39 | $ 10,330,000 | $ 264,871 | $ 136,000 |
| Lafayette, IN | 39 | $ 3,088,000 | $ 79,179 | $ 50,000 |
| Corpus Christi, TX | 37 | $ 3,448,000 | $ 93,189 | $ 96,000 |
| Hattiesburg, MS | 37 | $ 2,898,000 | $ 78,324 | $ 62,000 |
| Yuma, AZ | 37 | $ 4,921,000 | $ 133,000 | $ 87,000 |
| Charlottesville, VA | 36 | $ 5,722,000 | $ 158,944 | $ 102,000 |
| Dothan, AL | 36 | $ 2,922,000 | $ 81,166 | $ 38,000 |
| Fort Walton Beach-Crestview-Destin, FL | 36 | $ 4,644,000 | $ 129,000 | $ 51,000 |
| Johnson City, TN | 36 | $ 2,762,000 | $ 76,722 | $ 34,000 |
| South Bend-Mishawaka, IN-MI | 36 | $ 2,797,000 | $ 77,694 | $ 46,000 |
| Winchester, VA-WV | 36 | $ 6,240,000 | $ 173,333 | $ 83,000 |
| Hinesville-Fort Stewart, GA | 35 | $ 2,212,000 | $ 63,200 | $ 43,000 |
| Reading, PA | 35 | $ 4,100,000 | $ 117,142 | $ 63,000 |
| Duluth, MN-WI | 34 | $ 3,023,000 | $ 88,911 | $ 71,000 |
| Joplin, MO | 34 | $ 2,321,000 | $ 68,264 | $ 47,000 |
| Portland-South Portland-Biddeford, ME | 34 | $ 5,192,000 | $ 152,705 | $ 75,000 |
| Springfield, OH | 34 | $ 3,644,000 | $ 107,176 | $ 56,000 |
| Holland-Grand Haven, MI | 33 | $ 4,281,000 | $ 129,727 | $ 54,000 |
| Jacksonville, NC | 33 | $ 4,158,000 | $ 126,000 | $ 59,000 |
| Mansfield, OH | 33 | $ 2,802,000 | $ 84,909 | $ 47,000 |
| Springfield, IL | 33 | $ 3,449,000 | $ 104,515 | $ 62,000 |
| Omaha-Council Bluffs, NE-IA | 32 | $ 3,258,000 | $ 101,812 | $ 100,000 |
| Valdosta, GA | 32 | $ 4,149,000 | $ 129,656 | $ 66,000 |
| York-Hanover, PA | 32 | $ 4,261,000 | $ 133,156 | $ 71,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 31 | $ 10,774,000 | $ 347,548 | $ 140,000 |
| St. George, UT | 31 | $ 4,393,000 | $ 141,709 | $ 129,000 |
| Las Cruces, NM | 30 | $ 2,610,000 | $ 87,000 | $ 59,000 |
| Alexandria, LA | 29 | $ 2,176,000 | $ 75,034 | $ 56,000 |
| Grand Junction, CO | 29 | $ 3,390,000 | $ 116,896 | $ 67,000 |
| Kingsport-Bristol-Bristol, TN-VA | 29 | $ 1,899,000 | $ 65,482 | $ 61,000 |
| Monroe, MI | 28 | $ 3,123,000 | $ 111,535 | $ 65,000 |
| Muncie, IN | 28 | $ 2,106,000 | $ 75,214 | $ 40,000 |
| Salisbury, MD | 28 | $ 3,275,000 | $ 116,964 | $ 90,000 |
| San Francisco-San Mateo-Redwood City, CA | 28 | $ 11,353,000 | $ 405,464 | $ 148,000 |
| Yuba City, CA | 28 | $ 5,134,000 | $ 183,357 | $ 90,000 |
| Coeur D'Alene, ID | 27 | $ 3,829,000 | $ 141,814 | $ 97,000 |
| Cumberland, MD-WV | 27 | $ 1,996,000 | $ 73,925 | $ 40,000 |
| Goldsboro, NC | 27 | $ 2,898,000 | $ 107,333 | $ 63,000 |
| Lynchburg, VA | 27 | $ 2,369,000 | $ 87,740 | $ 60,000 |
| Tyler, TX | 27 | $ 1,879,000 | $ 69,592 | $ 68,000 |
| Battle Creek, MI | 26 | $ 2,818,000 | $ 108,384 | $ 73,000 |
| Houma-Bayou Cane-Thibodaux, LA | 26 | $ 2,301,000 | $ 88,500 | $ 85,000 |
| Lubbock, TX | 26 | $ 1,799,000 | $ 69,192 | $ 43,000 |
| Merced, CA | 26 | $ 4,485,000 | $ 172,500 | $ 91,000 |
| Santa Rosa-Petaluma, CA | 26 | $ 7,062,000 | $ 271,615 | $ 177,000 |
| Dalton, GA | 25 | $ 2,965,000 | $ 118,600 | $ 65,000 |
| Racine, WI | 25 | $ 2,657,000 | $ 106,280 | $ 64,000 |
| Salinas, CA | 25 | $ 8,357,000 | $ 334,280 | $ 144,000 |
| Sandusky, OH | 25 | $ 3,161,000 | $ 126,440 | $ 79,000 |
| Scranton--Wilkes-Barre, PA | 25 | $ 1,950,000 | $ 78,000 | $ 54,000 |
| Lafayette, LA | 24 | $ 2,232,000 | $ 93,000 | $ 60,000 |
| Pascagoula, MS | 24 | $ 1,447,000 | $ 60,291 | $ 39,000 |
| San Luis Obispo-Paso Robles, CA | 24 | $ 6,737,000 | $ 280,708 | $ 135,000 |
| Sioux Falls, SD | 24 | $ 2,585,000 | $ 107,708 | $ 68,000 |
| Dover, DE | 23 | $ 3,169,000 | $ 137,782 | $ 69,000 |
| Fargo, ND-MN | 22 | $ 1,851,000 | $ 84,136 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 22 | $ 3,115,000 | $ 141,590 | $ 59,000 |
| Greenville, NC | 22 | $ 2,290,000 | $ 104,090 | $ 55,000 |
| Lancaster, PA | 22 | $ 2,640,000 | $ 120,000 | $ 70,000 |
| Michigan City-La Porte, IN | 22 | $ 2,040,000 | $ 92,727 | $ 48,000 |
| Morristown, TN | 22 | $ 1,871,000 | $ 85,045 | $ 50,000 |
| Saginaw-Saginaw Township North, MI | 22 | $ 1,768,000 | $ 80,363 | $ 47,000 |
| Anchorage, AK | 21 | $ 3,005,000 | $ 143,095 | $ 80,000 |
| Anderson, IN | 21 | $ 1,690,000 | $ 80,476 | $ 44,000 |
| Columbus, IN | 21 | $ 1,664,000 | $ 79,238 | $ 55,000 |
| Evansville, IN-KY | 21 | $ 1,494,000 | $ 71,142 | $ 62,000 |
| Hagerstown-Martinsburg, MD-WV | 21 | $ 3,507,000 | $ 167,000 | $ 88,000 |
| Columbia, MO | 20 | $ 1,582,000 | $ 79,100 | $ 59,000 |
| Killeen-Temple-Fort Hood, TX | 20 | $ 2,044,000 | $ 102,200 | $ 50,000 |
| Lima, OH | 20 | $ 1,817,000 | $ 90,850 | $ 74,000 |
| Olympia, WA | 20 | $ 2,788,000 | $ 139,400 | $ 89,000 |
| Flagstaff, AZ | 19 | $ 3,973,000 | $ 209,105 | $ 114,000 |
| Jonesboro, AR | 19 | $ 1,841,000 | $ 96,894 | $ 44,000 |
| Salem, OR | 19 | $ 2,230,000 | $ 117,368 | $ 71,000 |
| Vineland-Millville-Bridgeton, NJ | 19 | $ 1,903,000 | $ 100,157 | $ 58,000 |
| Kingston, NY | 18 | $ 2,479,000 | $ 137,722 | $ 73,000 |
| Madison, WI | 18 | $ 1,733,000 | $ 96,277 | $ 51,000 |
| Midland, TX | 18 | $ 1,266,000 | $ 70,333 | $ 56,000 |
| Redding, CA | 18 | $ 2,844,000 | $ 158,000 | $ 100,000 |
| Spokane, WA | 18 | $ 1,823,000 | $ 101,277 | $ 73,000 |
| Bloomington, IN | 17 | $ 1,882,000 | $ 110,705 | $ 103,000 |
| Fort Smith, AR-OK | 17 | $ 1,663,000 | $ 97,823 | $ 65,000 |
| Idaho Falls, ID | 17 | $ 1,310,000 | $ 77,058 | $ 45,000 |
| Lawrence, KS | 17 | $ 2,169,000 | $ 127,588 | $ 67,000 |
| Niles-Benton Harbor, MI | 17 | $ 1,308,000 | $ 76,941 | $ 60,000 |
| Harrisburg-Carlisle, PA | 16 | $ 1,410,000 | $ 88,125 | $ 73,000 |
| Cedar Rapids, IA | 14 | $ 1,651,000 | $ 117,928 | $ 77,000 |
| El Centro, CA | 14 | $ 2,093,000 | $ 149,500 | $ 137,000 |
| Honolulu, HI | 14 | $ 4,510,000 | $ 322,142 | $ 97,000 |
| Muskegon-Norton Shores, MI | 14 | $ 1,038,000 | $ 74,142 | $ 48,000 |
| Santa Cruz-Watsonville, CA | 14 | $ 6,384,000 | $ 456,000 | $ 200,000 |
| Syracuse, NY | 14 | $ 1,420,000 | $ 101,428 | $ 74,000 |
| Green Bay, WI | 13 | $ 1,155,000 | $ 88,846 | $ 54,000 |
| Lincoln, NE | 13 | $ 1,187,000 | $ 91,307 | $ 57,000 |
| Ocean City, NJ | 13 | $ 3,431,000 | $ 263,923 | $ 140,000 |
| Abilene, TX | 12 | $ 859,000 | $ 71,583 | $ 52,000 |
| College Station-Bryan, TX | 12 | $ 799,000 | $ 66,583 | $ 89,000 |
| Eau Claire, WI | 12 | $ 1,145,000 | $ 95,416 | $ 76,000 |
| Missoula, MT | 12 | $ 1,212,000 | $ 101,000 | $ 60,000 |
| Rapid City, SD | 12 | $ 1,567,000 | $ 130,583 | $ 76,000 |
| Topeka, KS | 12 | $ 946,000 | $ 78,833 | $ 59,000 |
| Visalia-Porterville, CA | 12 | $ 1,596,000 | $ 133,000 | $ 87,000 |
| Bay City, MI | 11 | $ 899,000 | $ 81,727 | $ 64,000 |
| Hanford-Corcoran, CA | 11 | $ 1,803,000 | $ 163,909 | $ 108,000 |
| Monroe, LA | 11 | $ 760,000 | $ 69,090 | $ 43,000 |
| Terre Haute, IN | 11 | $ 715,000 | $ 65,000 | $ 48,000 |
| Waco, TX | 11 | $ 1,134,000 | $ 103,090 | $ 47,000 |
| Beaumont-Port Arthur, TX | 10 | $ 516,000 | $ 51,600 | $ 38,000 |
| Danville, VA | 10 | $ 884,000 | $ 88,400 | $ 41,000 |
| Harrisonburg, VA | 10 | $ 1,234,000 | $ 123,400 | $ 51,000 |
| Kokomo, IN | 10 | $ 1,283,000 | $ 128,300 | $ 114,000 |
| Medford, OR | 10 | $ 2,427,000 | $ 242,700 | $ 129,000 |
| St. Joseph, MO-KS | 10 | $ 688,000 | $ 68,800 | $ 41,000 |
| Appleton, WI | 9 | $ 926,000 | $ 102,888 | $ 74,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 647,000 | $ 71,888 | $ 24,000 |
| Odessa, TX | 9 | $ 424,000 | $ 47,111 | $ 43,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 9 | $ 2,425,000 | $ 269,444 | $ 142,000 |
| Wenatchee, WA | 9 | $ 828,000 | $ 92,000 | $ 95,000 |
| Wichita Falls, TX | 9 | $ 539,000 | $ 59,888 | $ 37,000 |
| Albany-Schenectady-Troy, NY | 8 | $ 1,551,000 | $ 193,875 | $ 135,000 |
| Amarillo, TX | 8 | $ 911,000 | $ 113,875 | $ 93,000 |
| Bangor, ME | 8 | $ 626,000 | $ 78,250 | $ 55,000 |
| Billings, MT | 8 | $ 788,000 | $ 98,500 | $ 69,000 |
| Bremerton-Silverdale, WA | 8 | $ 1,453,000 | $ 181,625 | $ 52,000 |
| Chico, CA | 8 | $ 1,548,000 | $ 193,500 | $ 101,000 |
| Erie, PA | 8 | $ 793,000 | $ 99,125 | $ 60,000 |
| Janesville, WI | 8 | $ 773,000 | $ 96,625 | $ 62,000 |
| Lawton, OK | 8 | $ 449,000 | $ 56,125 | $ 50,000 |
| Pocatello, ID | 8 | $ 596,000 | $ 74,500 | $ 47,000 |
| Bend, OR | 7 | $ 1,971,000 | $ 281,571 | $ 141,000 |
| Bloomington-Normal, IL | 7 | $ 624,000 | $ 89,142 | $ 65,000 |
| Buffalo-Niagara Falls, NY | 7 | $ 1,256,000 | $ 179,428 | $ 89,000 |
| Burlington-South Burlington, VT | 7 | $ 1,353,000 | $ 193,285 | $ 77,000 |
| Champaign-Urbana, IL | 7 | $ 365,000 | $ 52,142 | $ 40,000 |
| Fond Du Lac, WI | 7 | $ 383,000 | $ 54,714 | $ 41,000 |
| Hot Springs, AR | 7 | $ 692,000 | $ 98,857 | $ 79,000 |
| Lewiston-Auburn, ME | 7 | $ 1,145,000 | $ 163,571 | $ 96,000 |
| Santa Fe, NM | 7 | $ 1,283,000 | $ 183,285 | $ 89,000 |
| Sherman-Denison, TX | 7 | $ 614,000 | $ 87,714 | $ 60,000 |
| Weirton-Steubenville, WV-OH | 7 | $ 654,000 | $ 93,428 | $ 46,000 |
| Bellingham, WA | 6 | $ 1,212,000 | $ 202,000 | $ 112,000 |
| Bowling Green, KY | 6 | $ 508,000 | $ 84,666 | $ 46,000 |
| Dubuque, IA | 6 | $ 308,000 | $ 51,333 | $ 32,000 |
| Eugene-Springfield, OR | 6 | $ 1,100,000 | $ 183,333 | $ 187,000 |
| Fairbanks, AK | 6 | $ 1,281,000 | $ 213,500 | $ 104,000 |
| Kankakee-Bradley, IL | 6 | $ 484,000 | $ 80,666 | $ 80,000 |
| Longview, TX | 6 | $ 344,000 | $ 57,333 | $ 32,000 |
| Madera, CA | 6 | $ 1,474,000 | $ 245,666 | $ 70,000 |
| Pine Bluff, AR | 6 | $ 535,000 | $ 89,166 | $ 46,000 |
| Pittsfield, MA | 6 | $ 527,000 | $ 87,833 | $ 54,000 |
| Rochester, NY | 6 | $ 506,000 | $ 84,333 | $ 38,000 |
| Victoria, TX | 6 | $ 279,000 | $ 46,500 | $ 46,000 |
| Waterloo-Cedar Falls, IA | 6 | $ 601,000 | $ 100,166 | $ 56,000 |
| Altoona, PA | 5 | $ 249,000 | $ 49,800 | $ 20,000 |
| Charleston, WV | 5 | $ 276,000 | $ 55,200 | $ 17,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 397,000 | $ 79,400 | $ 39,000 |
| Longview, WA | 5 | $ 494,000 | $ 98,800 | $ 55,000 |
| Morgantown, WV | 5 | $ 508,000 | $ 101,600 | $ 46,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 649,000 | $ 129,800 | $ 91,000 |
| Wausau, WI | 5 | $ 360,000 | $ 72,000 | $ 41,000 |
| Carson City, NV | 4 | $ 904,000 | $ 226,000 | $ 75,000 |
| Casper, WY | 4 | $ 304,000 | $ 76,000 | $ 65,000 |
| Lebanon, PA | 4 | $ 199,000 | $ 49,750 | $ 31,000 |
| Oshkosh-Neenah, WI | 4 | $ 358,000 | $ 89,500 | $ 61,000 |
| Sioux City, IA-NE-SD | 4 | $ 177,000 | $ 44,250 | $ 65,000 |
| Yakima, WA | 4 | $ 425,000 | $ 106,250 | $ 66,000 |
| Binghamton, NY | 3 | $ 218,000 | $ 72,666 | $ 0 |
| Bismarck, ND | 3 | $ 213,000 | $ 71,000 | $ 70,000 |
| Decatur, IL | 3 | $ 286,000 | $ 95,333 | $ 11,000 |
| Ithaca, NY | 3 | $ 302,000 | $ 100,666 | $ 110,000 |
| Jefferson City, MO | 3 | $ 231,000 | $ 77,000 | $ 86,000 |
| Kennewick-Richland-Pasco, WA | 3 | $ 301,000 | $ 100,333 | $ 78,000 |
| La Crosse, WI-MN | 3 | $ 259,000 | $ 86,333 | $ 25,000 |
| Logan, UT-ID | 3 | $ 384,000 | $ 128,000 | $ 79,000 |
| Napa, CA | 3 | $ 850,000 | $ 283,333 | $ 123,000 |
| Owensboro, KY | 3 | $ 202,000 | $ 67,333 | $ 39,000 |
| Parkersburg-Marietta, WV-OH | 3 | $ 198,000 | $ 66,000 | $ 19,000 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 216,000 | $ 72,000 | $ 33,000 |
| Utica-Rome, NY | 3 | $ 163,000 | $ 54,333 | $ 80,000 |
| Williamsport, PA | 3 | $ 148,000 | $ 49,333 | $ 37,000 |
| Danville, IL | 2 | $ 87,000 | $ 43,500 | $ 29,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 200,000 | $ 100,000 | $ 213,000 |
| Grand Forks, ND-MN | 2 | $ 89,000 | $ 44,500 | $ 40,000 |
| Great Falls, MT | 2 | $ 200,000 | $ 100,000 | $ 71,000 |
| Sheboygan, WI | 2 | $ 90,000 | $ 45,000 | $ 37,000 |
| Ames, IA | 1 | $ 209,000 | $ 209,000 | $ 79,000 |
| Cheyenne, WY | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Glens Falls, NY | 1 | $ 106,000 | $ 106,000 | $ 47,000 |
| San Angelo, TX | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| State College, PA | 1 | $ 260,000 | $ 260,000 | $ 70,000 |
| Wheeling, WV-OH | 1 | $ 76,000 | $ 76,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Southstar Funding, LLC 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 | 63,239 | $7,272,529,000 | $113,705 | $3,280,000 | $76,137 | $7,970,000 |
| Refinancing | 20,471 | $3,850,822,000 | $193,431 | $3,300,000 | $76,333 | $5,245,000 |
| 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 | 40,090 | $5,330,003,000 | $140,176 | $3,300,000 | $80,352 | $5,245,000 |
| Black or African American | 18,933 | $2,226,822,000 | $139,363 | $3,280,000 | $69,136 | $7,970,000 |
| Not Provided | 10,817 | $1,498,294,000 | $142,411 | $2,050,000 | $82,843 | $2,094,000 |
| Hispanic | 10,730 | $1,544,606,000 | $125,173 | $1,256,000 | $66,000 | $2,485,000 |
| Asian | 2,468 | $427,605,000 | $148,976 | $1,500,000 | $75,761 | $1,500,000 |
| Native Hawaiian or Other Pacific Islander | 407 | $63,770,000 | $155,264 | $1,214,000 | $80,588 | $1,008,000 |
| American Indian or Alaskan Native | 265 | $32,251,000 | $121,457 | $650,000 | $80,885 | $1,014,000 |
| 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) | 83,710 | $11,123,351,000 | $135,921 | $3,300,000 | $75,803 | $7,970,000 |
| 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 | 44,874 | $5,568,368,000 | $130,627 | $1,780,000 | $76,039 | $2,485,000 |
| File Closed For Incompleteness | 16,796 | $2,316,365,000 | $144,823 | $2,850,000 | $78,941 | $7,970,000 |
| Application Denied By Financial Institution | 15,755 | $2,362,686,000 | $146,860 | $3,300,000 | $73,200 | $3,564,000 |
| Application Approved But Not Accepted | 6,285 | $875,932,000 | $131,877 | $2,714,000 | $79,448 | $1,458,000 |
| Application Withdrawn By Applicant | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southstar Funding, LLC'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 Southstar Funding, LLC'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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with aggregated HMDA statistics today.
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