The Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
The Bank 2003 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 | The Bank 17 North 20Th Street Birmingham, AL 35203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 2,486 |
| Total Mortgage Loan Application Amount | $296,630,000 |
| Average Mortgage Loan Application Amount | $159,055 |
| Highest Mortgage Loan Application Amount | $2,093,000 |
| Average Applicant Income | $87,111 |
| Highest Applicant Income | $2,402,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with The 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 The Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down The 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 The Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The 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 The Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Etowah County Alabama | 434 | $ 45,874,000 | $ 105,000 | $ 61,000 |
| Madison County Alabama | 347 | $ 41,860,000 | $ 120,000 | $ 70,000 |
| Bay County Florida | 248 | $ 35,942,000 | $ 144,000 | $ 78,000 |
| Jefferson County Alabama | 181 | $ 30,061,000 | $ 166,000 | $ 75,000 |
| Marshall County Alabama | 169 | $ 16,711,000 | $ 98,000 | $ 51,000 |
| Covington County Alabama | 165 | $ 8,747,000 | $ 53,000 | $ 46,000 |
| Calhoun County Florida | 99 | $ 6,668,000 | $ 67,000 | $ 51,000 |
| Talladega County Alabama | 79 | $ 3,837,000 | $ 48,000 | $ 52,000 |
| Walton County Florida | 70 | $ 17,197,000 | $ 245,000 | $ 122,000 |
| Morgan County Alabama | 63 | $ 7,115,000 | $ 112,000 | $ 50,000 |
| Shelby County Alabama | 62 | $ 13,809,000 | $ 222,000 | $ 99,000 |
| Gulf County Florida | 61 | $ 7,890,000 | $ 129,000 | $ 50,000 |
| Monroe County Alabama | 55 | $ 3,165,000 | $ 57,000 | $ 49,000 |
| DeKalb County Alabama | 51 | $ 3,966,000 | $ 77,000 | $ 62,000 |
| Liberty County Florida | 46 | $ 2,835,000 | $ 61,000 | $ 41,000 |
| Okaloosa County Florida | 41 | $ 10,578,000 | $ 258,000 | $ 101,000 |
| Franklin County Florida | 33 | $ 6,810,000 | $ 206,000 | $ 133,000 |
| Blount County Alabama | 20 | $ 2,204,000 | $ 110,000 | $ 51,000 |
| Calhoun County Alabama | 20 | $ 2,019,000 | $ 100,000 | $ 60,000 |
| Baldwin County Alabama | 19 | $ 3,968,000 | $ 208,000 | $ 124,000 |
| Jackson County Florida | 18 | $ 1,334,000 | $ 74,000 | $ 64,000 |
| Jackson County Alabama | 15 | $ 1,237,000 | $ 82,000 | $ 77,000 |
| St. Clair County Alabama | 15 | $ 1,514,000 | $ 100,000 | $ 52,000 |
| Cherokee County Alabama | 14 | $ 1,465,000 | $ 104,000 | $ 86,000 |
| Limestone County Alabama | 14 | $ 2,105,000 | $ 150,000 | $ 95,000 |
| Coffee County Alabama | 11 | $ 535,000 | $ 48,000 | $ 84,000 |
| Leon County Florida | 10 | $ 1,937,000 | $ 193,000 | $ 64,000 |
| Conecuh County Alabama | 9 | $ 643,000 | $ 71,000 | $ 52,000 |
| Coosa County Alabama | 7 | $ 419,000 | $ 59,000 | $ 47,000 |
| Cullman County Alabama | 7 | $ 600,000 | $ 85,000 | $ 43,000 |
| Crenshaw County Alabama | 6 | $ 484,000 | $ 80,000 | $ 88,000 |
| Lee County Alabama | 5 | $ 452,000 | $ 90,000 | $ 87,000 |
| Tallapoosa County Alabama | 5 | $ 684,000 | $ 136,000 | $ 85,000 |
| Escambia County Florida | 5 | $ 1,548,000 | $ 309,000 | $ 138,000 |
| Monroe County Florida | 5 | $ 1,324,000 | $ 264,000 | $ 171,000 |
| Lincoln County Tennessee | 5 | $ 473,000 | $ 94,000 | $ 69,000 |
| Escambia County Alabama | 4 | $ 231,000 | $ 57,000 | $ 51,000 |
| Lawrence County Alabama | 4 | $ 638,000 | $ 159,000 | $ 78,000 |
| Santa Rosa County Florida | 4 | $ 937,000 | $ 234,000 | $ 199,000 |
| Sevier County Tennessee | 4 | $ 579,000 | $ 144,000 | $ 50,000 |
| Geneva County Alabama | 3 | $ 93,000 | $ 31,000 | $ 29,000 |
| Walker County Alabama | 3 | $ 221,000 | $ 73,000 | $ 45,000 |
| Washington County Florida | 3 | $ 405,000 | $ 135,000 | $ 113,000 |
| Bibb County Alabama | 2 | $ 254,000 | $ 127,000 | $ 52,000 |
| Clay County Alabama | 2 | $ 167,000 | $ 83,000 | $ 64,000 |
| Marengo County Alabama | 2 | $ 149,000 | $ 74,000 | $ 24,000 |
| Montgomery County Alabama | 2 | $ 157,000 | $ 78,000 | $ 70,000 |
| Tuscaloosa County Alabama | 2 | $ 263,000 | $ 131,000 | $ 94,000 |
| Winston County Alabama | 2 | $ 241,000 | $ 120,000 | $ 110,000 |
| Gadsden County Florida | 2 | $ 14,000 | $ 7,000 | $ 42,000 |
| Seminole County Florida | 2 | $ 218,000 | $ 109,000 | $ 76,000 |
| Richmond City County Virginia | 2 | $ 290,000 | $ 145,000 | $ 361,000 |
| Butler County Alabama | 1 | $ 23,000 | $ 23,000 | $ 29,000 |
| Chilton County Alabama | 1 | $ 83,000 | $ 83,000 | $ 66,000 |
| Colbert County Alabama | 1 | $ 151,000 | $ 151,000 | $ 67,000 |
| Elmore County Alabama | 1 | $ 13,000 | $ 13,000 | $ 85,000 |
| Lauderdale County Alabama | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
| Mobile County Alabama | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Pike County Alabama | 1 | $ 13,000 | $ 13,000 | $ 42,000 |
| Randolph County Alabama | 1 | $ 120,000 | $ 120,000 | $ 76,000 |
| Wilcox County Alabama | 1 | $ 51,000 | $ 51,000 | $ 273,000 |
| Collier County Florida | 1 | $ 244,000 | $ 244,000 | $ 141,000 |
| Flagler County Florida | 1 | $ 323,000 | $ 323,000 | $ 150,000 |
| Holmes County Florida | 1 | $ 170,000 | $ 170,000 | $ 68,000 |
| Wakulla County Florida | 1 | $ 3,000 | $ 3,000 | $ 30,000 |
| Douglas County Georgia | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Gilmer County Georgia | 1 | $ 150,000 | $ 150,000 | $ 118,000 |
| Paulding County Georgia | 1 | $ 36,000 | $ 36,000 | $ 51,000 |
| Troup County Georgia | 1 | $ 102,000 | $ 102,000 | $ 68,000 |
| Polk County Iowa | 1 | $ 56,000 | $ 56,000 | $ 26,000 |
| Jackson County Mississippi | 1 | $ 102,000 | $ 102,000 | $ 60,000 |
| Lafayette County Mississippi | 1 | $ 139,000 | $ 139,000 | $ 118,000 |
| Gaston County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 33,000 |
| Macon County North Carolina | 1 | $ 588,000 | $ 588,000 | $ 277,000 |
| Blount County Tennessee | 1 | $ 147,000 | $ 147,000 | $ 300,000 |
| Lawrence County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Maury County Tennessee | 1 | $ 123,000 | $ 123,000 | $ 56,000 |
| Shelby County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 25,000 |
| Collin County Texas | 1 | $ 230,000 | $ 230,000 | $ 88,000 |
| Travis County Texas | 1 | $ 58,000 | $ 58,000 | $ 48,000 |
| Loudoun County Virginia | 1 | $ 327,000 | $ 327,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for The Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,371 | $171,063,000 | $141,285 | $1,268,000 | $75,714 | $2,052,000 |
| Home Purchase (one-to-four family) | 953 | $118,307,000 | $164,000 | $2,093,000 | $134,285 | $2,402,000 |
| Home Improvement (one-to-four family) | 147 | $2,157,000 | $13,000 | $145,000 | $49,000 | $390,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 15 | $5,103,000 | $350,000 | $653,000 | $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 | 2,270 | $266,757,000 | $147,666 | $1,268,000 | $97,777 | $2,402,000 |
| Black | 62 | $4,017,000 | $57,000 | $376,000 | $46,500 | $150,000 |
| Information not provided by applicant in mail or telephone application | 55 | $11,441,000 | $148,500 | $2,093,000 | $89,000 | $1,000,000 |
| Not applicable | 50 | $8,823,000 | $171,666 | $595,000 | $0 | $0 |
| Hispanic | 15 | $1,234,000 | $91,500 | $162,000 | $55,000 | $127,000 |
| American Indian or Alaskan Native | 13 | $1,539,000 | $119,000 | $267,000 | $76,500 | $131,000 |
| Asian or Pacific Islander | 13 | $1,691,000 | $128,000 | $270,000 | $87,000 | $269,000 |
| Other | 8 | $1,128,000 | $172,000 | $621,000 | $120,500 | $341,000 |
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) | 2,395 | $288,023,000 | $177,000 | $2,093,000 | $110,777 | $2,402,000 |
| FHA-insured (Federal Housing Administration) | 42 | $3,947,000 | $101,000 | $144,000 | $50,000 | $446,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,297,000 | $78,000 | $140,000 | $32,333 | $66,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,363,000 | $136,500 | $221,000 | $51,500 | $122,000 |
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 | 2,331 | $278,350,000 | $149,555 | $1,268,000 | $97,111 | $2,052,000 |
| Application Denied By Financial Institution | 98 | $7,280,000 | $71,000 | $1,000,000 | $40,666 | $167,000 |
| Application Withdrawn By Applicant | 47 | $7,764,000 | $159,500 | $2,093,000 | $111,500 | $1,000,000 |
| Loan Purchased By The Institution | 8 | $3,048,000 | $381,000 | $704,000 | $380,000 | $2,402,000 |
| Application Approved But Not Accepted | 2 | $188,000 | $94,000 | $137,000 | $54,000 | $70,000 |
| File Closed For Incompleteness | 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 | 61 | $3,314,000 | $57,666 | $352,000 | $37,666 | $140,000 |
| Debt-To-Income Ratio | 20 | $2,369,000 | $108,500 | $1,000,000 | $36,500 | $167,000 |
| Collateral | 6 | $477,000 | $60,500 | $320,000 | $65,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $182,000 | $50,000 | $114,000 | $37,000 | $94,000 |
| Other | 3 | $442,000 | $113,000 | $350,000 | $60,500 | $104,000 |
| Unverifiable Information | 1 | $10,000 | $10,000 | $10,000 | $11,000 | $11,000 |
| Credit Application Incomplete | 1 | $84,000 | $84,000 | $84,000 | $63,000 | $63,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank's 2003 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 The 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.