Superior Bank Mortgage Lending & HMDA Data, 2010
In 2010, Superior Bank of Birmingham, AL reported 5,658 mortgage applications totaling $908.7 million, down 3% from 2009. The average application was for $160,599, and applicants reported an average income of $82,782. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Birmingham-Hoover, AL (2,004), Huntsville, AL (753) and Nashville-Davidson--Murfreesboro--Franklin, TN (339) (applications in parentheses).
| Mortgage Company & Address | Superior Bank 17 North 20th Street Birmingham, AL 35203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 5,658 |
| Total Mortgage Loan Application Amount | $908,673,000 |
| Average Mortgage Loan Application Amount | $160,599 |
| Highest Mortgage Loan Application Amount | $1,369,000 |
| Average Applicant Income | $82,782 |
| Highest Applicant Income | $2,964,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Superior Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Birmingham-Hoover, AL | 2,004 | $ 353,209,000 | $ 176,251 | $ 94,000 |
| Huntsville, AL | 753 | $ 140,292,000 | $ 186,310 | $ 88,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 339 | $ 53,043,000 | $ 156,469 | $ 69,000 |
| Montgomery, AL | 302 | $ 46,521,000 | $ 154,043 | $ 81,000 |
| Florence-Muscle Shoals, AL | 235 | $ 30,065,000 | $ 127,936 | $ 61,000 |
| Tallahassee, FL | 156 | $ 27,149,000 | $ 174,032 | $ 89,000 |
| Orlando-Kissimmee-Sanford, FL | 110 | $ 17,829,000 | $ 162,081 | $ 21,000 |
| Rome, GA | 101 | $ 12,463,000 | $ 123,396 | $ 56,000 |
| Decatur, AL | 97 | $ 10,990,000 | $ 113,298 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 85 | $ 14,357,000 | $ 168,905 | $ 107,000 |
| Atlanta-Sandy Springs-Marietta, GA | 69 | $ 8,852,000 | $ 128,289 | $ 65,000 |
| Gadsden, AL | 58 | $ 9,368,000 | $ 161,517 | $ 80,000 |
| Anniston-Oxford, AL | 44 | $ 5,245,000 | $ 119,204 | $ 53,000 |
| Mobile, AL | 42 | $ 6,745,000 | $ 160,595 | $ 71,000 |
| North Port-Bradenton-Sarasota, FL | 41 | $ 9,818,000 | $ 239,463 | $ 228,000 |
| Tuscaloosa, AL | 36 | $ 5,224,000 | $ 145,111 | $ 132,000 |
| Dalton, GA | 28 | $ 2,077,000 | $ 74,178 | $ 31,000 |
| Lakeland-Winter Haven, FL | 25 | $ 3,467,000 | $ 138,680 | $ 0 |
| Jacksonville, FL | 18 | $ 3,750,000 | $ 208,333 | $ 81,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 16 | $ 2,477,000 | $ 154,812 | $ 57,000 |
| Ocala, FL | 14 | $ 1,769,000 | $ 126,357 | $ 57,000 |
| Crestview-Fort Walton Beach-Destin, FL | 13 | $ 2,698,000 | $ 207,538 | $ 83,000 |
| Durham-Chapel Hill, NC | 13 | $ 2,902,000 | $ 223,230 | $ 105,000 |
| Hattiesburg, MS | 13 | $ 2,127,000 | $ 163,615 | $ 54,000 |
| Auburn-Opelika, AL | 12 | $ 1,649,000 | $ 137,416 | $ 218,000 |
| Chattanooga, TN-GA | 10 | $ 791,000 | $ 79,100 | $ 30,600 |
| Pascagoula, MS | 8 | $ 1,118,000 | $ 139,750 | $ 53,000 |
| Gulfport-Biloxi, MS | 7 | $ 1,145,000 | $ 163,571 | $ 70,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 5 | $ 830,000 | $ 166,000 | $ 71,400 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 929,000 | $ 185,800 | $ 88,000 |
| Memphis, TN-MS-AR | 3 | $ 301,000 | $ 100,333 | $ 112,666 |
| Augusta-Richmond County, GA-SC | 2 | $ 235,000 | $ 117,500 | $ 92,000 |
| Columbus, GA-AL | 2 | $ 150,000 | $ 75,000 | $ 90,000 |
| Dothan, AL | 2 | $ 277,000 | $ 138,500 | $ 59,000 |
| Gainesville, FL | 2 | $ 224,000 | $ 112,000 | $ 31,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 306,000 | $ 153,000 | $ 158,000 |
| Jackson, MS | 2 | $ 436,000 | $ 218,000 | $ 116,000 |
| Punta Gorda, FL | 2 | $ 251,000 | $ 125,500 | $ 38,000 |
| York-Hanover, PA | 2 | $ 486,000 | $ 243,000 | $ 122,000 |
| Alexandria, LA | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 111,000 | $ 111,000 | $ 207,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 96,000 | $ 96,000 | $ 67,000 |
| Clarksville, TN-KY | 1 | $ 133,000 | $ 133,000 | $ 47,000 |
| Dallas-Plano-Irving, TX | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 107,000 | $ 107,000 | $ 37,000 |
| Gainesville, GA | 1 | $ 250,000 | $ 250,000 | $ 106,000 |
| Greensboro-High Point, NC | 1 | $ 58,000 | $ 58,000 | $ 50,000 |
| Macon, GA | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Port St. Lucie, FL | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 413,000 | $ 413,000 | $ 131,000 |
| Savannah, GA | 1 | $ 84,000 | $ 84,000 | $ 20,000 |
| Sebastian-Vero Beach, FL | 1 | $ 83,000 | $ 83,000 | $ 28,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 322,000 | $ 322,000 | $ 88,000 |
| Warner Robins, GA | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 295,000 | $ 295,000 | $ 292,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 325,000 | $ 325,000 | $ 155,000 |
Mortgage Loan Application Detail Totals for Superior Bank in 2010
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 | 2,750 | $411,527,000 | $149,000 | $825,000 | $75,000 | $2,964,000 |
| Refinancing | 2,679 | $493,814,000 | $184,000 | $1,369,000 | $94,000 | $1,576,000 |
| Home Improvement | 229 | $3,332,000 | $14,000 | $300,000 | $45,000 | $491,000 |
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 | 4,575 | $748,582,000 | $163,000 | $1,000,000 | $88,000 | $2,964,000 |
| Black or African American | 511 | $69,046,000 | $135,000 | $700,000 | $63,000 | $547,000 |
| Not Provided | 228 | $44,503,000 | $195,000 | $1,369,000 | $88,000 | $750,000 |
| Hispanic | 143 | $17,891,000 | $125,000 | $446,000 | $57,000 | $936,000 |
| Not applicable | 106 | $11,340,000 | $106,000 | $625,000 | $0 | $0 |
| Asian | 75 | $14,459,000 | $192,000 | $410,000 | $72,000 | $243,000 |
| American Indian or Alaskan Native | 10 | $1,318,000 | $131,000 | $260,000 | $66,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,534,000 | $153,000 | $415,000 | $64,000 | $136,000 |
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) | 3,876 | $651,948,000 | $168,000 | $1,369,000 | $95,000 | $2,964,000 |
| FHA-insured (Federal Housing Administration) | 1,429 | $197,819,000 | $138,000 | $350,000 | $55,000 | $692,000 |
| VA-guaranteed (Veterans Administration) | 252 | $47,777,000 | $189,000 | $488,000 | $67,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 101 | $11,129,000 | $110,000 | $233,000 | $37,000 | $76,000 |
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 | 4,607 | $744,152,000 | $161,000 | $1,369,000 | $86,000 | $2,964,000 |
| Application Denied By Financial Institution | 500 | $68,020,000 | $136,000 | $913,000 | $57,000 | $595,000 |
| Application Withdrawn By Applicant | 398 | $70,041,000 | $175,000 | $681,000 | $75,000 | $384,000 |
| File Closed For Incompleteness | 125 | $22,660,000 | $181,000 | $1,000,000 | $76,000 | $915,000 |
| Application Approved But Not Accepted | 28 | $3,800,000 | $135,000 | $560,000 | $78,000 | $448,000 |
| 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 | 184 | $19,869,000 | $107,000 | $563,000 | $45,000 | $248,000 |
| Collateral | 104 | $19,961,000 | $191,000 | $913,000 | $96,000 | $340,000 |
| Debt-To-Income Ratio | 100 | $13,132,000 | $131,000 | $416,000 | $44,000 | $182,000 |
| Other | 62 | $8,009,000 | $129,000 | $378,000 | $52,000 | $595,000 |
| Credit Application Incomplete | 19 | $2,700,000 | $142,000 | $312,000 | $56,000 | $125,000 |
| Unverifiable Information | 12 | $1,674,000 | $139,000 | $316,000 | $25,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,389,000 | $126,000 | $302,000 | $56,000 | $163,000 |
| Employment History | 8 | $1,286,000 | $160,000 | $256,000 | $74,000 | $139,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Superior Bank's 2010 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 Superior 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 Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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