The Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
The Bank 2004 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 | 1,377 |
| Total Mortgage Loan Application Amount | $155,590,000 |
| Average Mortgage Loan Application Amount | $150,272 |
| Highest Mortgage Loan Application Amount | $1,988,000 |
| Average Applicant Income | $99,090 |
| Highest Applicant Income | $1,476,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 378 | $ 38,392,000 | $ 101,000 | $ 52,000 |
| Madison County Alabama | 159 | $ 20,580,000 | $ 129,000 | $ 63,000 |
| Marshall County Alabama | 133 | $ 11,521,000 | $ 86,000 | $ 43,000 |
| Jefferson County Alabama | 130 | $ 19,253,000 | $ 148,000 | $ 67,000 |
| Monroe County Alabama | 48 | $ 2,640,000 | $ 55,000 | $ 41,000 |
| Calhoun County Florida | 48 | $ 2,878,000 | $ 59,000 | $ 38,000 |
| Morgan County Alabama | 47 | $ 4,321,000 | $ 91,000 | $ 64,000 |
| Covington County Alabama | 46 | $ 2,297,000 | $ 49,000 | $ 49,000 |
| DeKalb County Alabama | 45 | $ 3,648,000 | $ 81,000 | $ 52,000 |
| Tuscaloosa County Alabama | 31 | $ 3,123,000 | $ 100,000 | $ 205,000 |
| Talladega County Alabama | 28 | $ 1,499,000 | $ 53,000 | $ 50,000 |
| Shelby County Alabama | 25 | $ 4,796,000 | $ 191,000 | $ 88,000 |
| Gulf County Florida | 24 | $ 5,117,000 | $ 213,000 | $ 138,000 |
| Franklin County Florida | 23 | $ 4,680,000 | $ 203,000 | $ 70,000 |
| Liberty County Florida | 21 | $ 1,114,000 | $ 53,000 | $ 39,000 |
| Bay County Florida | 20 | $ 4,840,000 | $ 242,000 | $ 119,000 |
| Jackson County Alabama | 15 | $ 1,195,000 | $ 79,000 | $ 44,000 |
| Blount County Alabama | 14 | $ 1,523,000 | $ 108,000 | $ 86,000 |
| St. Clair County Alabama | 13 | $ 2,051,000 | $ 157,000 | $ 54,000 |
| Limestone County Alabama | 12 | $ 1,092,000 | $ 91,000 | $ 64,000 |
| Baldwin County Alabama | 10 | $ 4,999,000 | $ 499,000 | $ 204,000 |
| Calhoun County Alabama | 7 | $ 632,000 | $ 90,000 | $ 60,000 |
| Cullman County Alabama | 7 | $ 693,000 | $ 99,000 | $ 58,000 |
| Jackson County Florida | 7 | $ 518,000 | $ 74,000 | $ 122,000 |
| Walton County Florida | 7 | $ 1,996,000 | $ 285,000 | $ 298,000 |
| Lee County Alabama | 6 | $ 486,000 | $ 81,000 | $ 158,000 |
| Cherokee County Alabama | 5 | $ 506,000 | $ 101,000 | $ 50,000 |
| Lawrence County Alabama | 5 | $ 423,000 | $ 84,000 | $ 69,000 |
| Gadsden County Florida | 5 | $ 511,000 | $ 102,000 | $ 72,000 |
| Coffee County Alabama | 4 | $ 168,000 | $ 42,000 | $ 39,000 |
| Leon County Florida | 4 | $ 489,000 | $ 122,000 | $ 134,000 |
| Okaloosa County Florida | 4 | $ 670,000 | $ 167,000 | $ 43,000 |
| Conecuh County Alabama | 3 | $ 159,000 | $ 53,000 | $ 26,000 |
| Coosa County Alabama | 3 | $ 74,000 | $ 24,000 | $ 27,000 |
| Walker County Alabama | 3 | $ 1,400,000 | $ 466,000 | $ 145,000 |
| Crenshaw County Alabama | 2 | $ 139,000 | $ 69,000 | $ 33,000 |
| Mobile County Alabama | 2 | $ 125,000 | $ 62,000 | $ 24,000 |
| Tallapoosa County Alabama | 2 | $ 439,000 | $ 219,000 | $ 156,000 |
| Winston County Alabama | 2 | $ 234,000 | $ 117,000 | $ 130,000 |
| Orange County Florida | 2 | $ 834,000 | $ 417,000 | $ 124,000 |
| Decatur County Georgia | 2 | $ 185,000 | $ 92,000 | $ 70,000 |
| Gordon County Georgia | 2 | $ 125,000 | $ 62,000 | $ 44,000 |
| Wilson County Tennessee | 2 | $ 137,000 | $ 68,000 | $ 60,000 |
| Chilton County Alabama | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| Clay County Alabama | 1 | $ 20,000 | $ 20,000 | $ 78,000 |
| Elmore County Alabama | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Franklin County Alabama | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Geneva County Alabama | 1 | $ 131,000 | $ 131,000 | $ 34,000 |
| Lauderdale County Alabama | 1 | $ 89,000 | $ 89,000 | $ 45,000 |
| Wilcox County Alabama | 1 | $ 78,000 | $ 78,000 | $ 34,000 |
| Duval County Florida | 1 | $ 114,000 | $ 114,000 | $ 61,000 |
| Jefferson County Florida | 1 | $ 274,000 | $ 274,000 | $ 109,000 |
| Palm Beach County Florida | 1 | $ 129,000 | $ 129,000 | $ 48,000 |
| Pasco County Florida | 1 | $ 48,000 | $ 48,000 | $ 22,000 |
| Sarasota County Florida | 1 | $ 134,000 | $ 134,000 | $ 146,000 |
| Washington County Florida | 1 | $ 71,000 | $ 71,000 | $ 47,000 |
| Cherokee County Georgia | 1 | $ 148,000 | $ 148,000 | $ 41,000 |
| Coweta County Georgia | 1 | $ 108,000 | $ 108,000 | $ 40,000 |
| DeKalb County Georgia | 1 | $ 104,000 | $ 104,000 | $ 82,000 |
| Allen County Louisiana | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Avoyelles County Louisiana | 1 | $ 124,000 | $ 124,000 | $ 0 |
| St. Tammany County Louisiana | 1 | $ 188,000 | $ 188,000 | $ 104,000 |
| Sevier County Tennessee | 1 | $ 273,000 | $ 273,000 | $ 696,000 |
| Salt Lake County Utah | 1 | $ 492,000 | $ 492,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for The Bank in 2004
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 | 763 | $90,147,000 | $203,166 | $1,988,000 | $138,500 | $1,476,000 |
| Refinancing | 520 | $64,004,000 | $132,000 | $1,260,000 | $90,500 | $1,380,000 |
| Home Improvement | 94 | $1,439,000 | $56,666 | $213,000 | $26,000 | $264,000 |
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 | 1,242 | $144,158,000 | $195,500 | $1,988,000 | $138,333 | $1,476,000 |
| Black or African American | 69 | $5,034,000 | $58,000 | $359,000 | $45,500 | $258,000 |
| Hispanic | 29 | $1,889,000 | $56,000 | $190,000 | $78,000 | $275,000 |
| Asian | 15 | $2,713,000 | $180,000 | $800,000 | $68,000 | $175,000 |
| Not applicable | 15 | $1,141,000 | $106,500 | $256,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $570,000 | $95,000 | $180,000 | $59,000 | $99,000 |
| Not Provided | 1 | $85,000 | $85,000 | $85,000 | $52,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,282 | $147,714,000 | $189,666 | $1,988,000 | $125,333 | $1,476,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $4,767,000 | $77,000 | $146,000 | $34,000 | $68,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,432,000 | $90,000 | $159,000 | $41,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 5 | $677,000 | $131,000 | $190,000 | $53,000 | $172,000 |
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 | 1,206 | $140,997,000 | $190,666 | $1,988,000 | $128,333 | $1,476,000 |
| Application Denied By Financial Institution | 94 | $5,529,000 | $47,000 | $256,000 | $41,000 | $228,000 |
| Application Withdrawn By Applicant | 68 | $8,137,000 | $140,666 | $800,000 | $48,666 | $199,000 |
| File Closed For Incompleteness | 5 | $512,000 | $102,000 | $230,000 | $52,000 | $128,000 |
| Application Approved But Not Accepted | 4 | $415,000 | $103,000 | $140,000 | $82,000 | $95,000 |
| 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 | 42 | $1,341,000 | $25,000 | $190,000 | $30,500 | $93,000 |
| Collateral | 27 | $2,710,000 | $100,000 | $188,000 | $109,000 | $228,000 |
| Debt-To-Income Ratio | 19 | $1,244,000 | $86,000 | $256,000 | $51,000 | $228,000 |
| Other | 4 | $118,000 | $20,000 | $113,000 | $33,500 | $62,000 |
| Employment History | 1 | $114,000 | $114,000 | $114,000 | $61,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank's 2004 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.