Advent Mortgage, LLC Mortgage Lending & HMDA Data, 2007
In 2007, Advent Mortgage, LLC of Louisville, KY reported 2,086 mortgage applications totaling $340.9 million, down 59% from 2006. The average application was for $163,420, and applicants reported an average income of $60,987. 33% of its applications resulted in an originated loan and 67% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (143), Richmond, VA (31) and Washington-Arlington-Alexandria, DC-VA-MD-WV (28) (applications in parentheses).
| Mortgage Company & Address | Advent Mortgage, LLC 305 N Hurstbourne Ln. Suite 120 Louisville, KY 40222 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,086 |
| Total Mortgage Loan Application Amount | $340,895,000 |
| Average Mortgage Loan Application Amount | $163,420 |
| Highest Mortgage Loan Application Amount | $1,066,000 |
| Average Applicant Income | $60,987 |
| Highest Applicant Income | $1,685,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Advent Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Louisville-Jefferson County, KY-IN | 143 | $ 18,687,000 | $ 130,678 | $ 56,335 |
| Richmond, VA | 31 | $ 5,856,000 | $ 188,903 | $ 62,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 28 | $ 9,264,000 | $ 330,857 | $ 91,000 |
| Indianapolis-Carmel, IN | 22 | $ 3,046,000 | $ 138,454 | $ 65,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 21 | $ 4,745,000 | $ 225,952 | $ 62,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 21 | $ 4,721,000 | $ 224,809 | $ 67,000 |
| Warren-Troy-Farmington Hills, MI | 19 | $ 3,220,000 | $ 169,473 | $ 57,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 3,237,000 | $ 179,833 | $ 59,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 2,923,000 | $ 171,941 | $ 60,000 |
| Kansas City, MO-KS | 16 | $ 2,722,000 | $ 170,125 | $ 61,000 |
| St. Louis, MO-IL | 16 | $ 2,525,000 | $ 157,812 | $ 64,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 1,900,000 | $ 135,714 | $ 68,000 |
| Orlando-Kissimmee, FL | 13 | $ 2,579,000 | $ 198,384 | $ 63,000 |
| Pittsburgh, PA | 13 | $ 1,982,000 | $ 152,461 | $ 71,000 |
| Gary, IN | 12 | $ 1,627,000 | $ 135,583 | $ 54,000 |
| Denver-Aurora, CO | 11 | $ 2,965,000 | $ 269,545 | $ 90,000 |
| Detroit-Livonia-Dearborn, MI | 11 | $ 1,925,000 | $ 175,000 | $ 59,000 |
| Jacksonville, FL | 11 | $ 3,396,000 | $ 308,727 | $ 80,000 |
| Portland-Vancouver-Beaverton, OR-WA | 11 | $ 2,182,000 | $ 198,363 | $ 64,363 |
| Cincinnati-Middletown, OH-KY-IN | 10 | $ 1,269,000 | $ 126,900 | $ 66,600 |
| Lexington-Fayette, KY | 10 | $ 1,476,000 | $ 147,600 | $ 53,000 |
| Philadelphia, PA | 10 | $ 2,923,000 | $ 292,300 | $ 92,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 1,917,000 | $ 213,000 | $ 82,000 |
| Memphis, TN-MS-AR | 9 | $ 1,360,000 | $ 151,111 | $ 84,000 |
| Springfield, MO | 9 | $ 962,000 | $ 106,888 | $ 47,000 |
| New Haven-Milford, CT | 8 | $ 1,435,000 | $ 179,375 | $ 58,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 1,199,000 | $ 171,285 | $ 70,142 |
| Lynchburg, VA | 7 | $ 1,062,000 | $ 151,714 | $ 65,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 784,000 | $ 130,666 | $ 71,000 |
| Des Moines-West Des Moines, IA | 6 | $ 821,000 | $ 136,833 | $ 55,000 |
| Fort Wayne, IN | 6 | $ 649,000 | $ 108,166 | $ 44,000 |
| Albuquerque, NM | 5 | $ 820,000 | $ 164,000 | $ 105,000 |
| Anchorage, AK | 5 | $ 1,513,000 | $ 302,600 | $ 120,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,442,000 | $ 288,400 | $ 75,000 |
| Colorado Springs, CO | 5 | $ 1,095,000 | $ 219,000 | $ 107,000 |
| Elizabethtown, KY | 5 | $ 731,000 | $ 146,200 | $ 56,000 |
| Lincoln, NE | 5 | $ 665,000 | $ 133,000 | $ 54,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,116,000 | $ 223,200 | $ 66,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 616,000 | $ 123,200 | $ 61,000 |
| York-Hanover, PA | 5 | $ 889,000 | $ 177,800 | $ 72,000 |
| Casper, WY | 4 | $ 579,000 | $ 144,750 | $ 62,000 |
| Charlottesville, VA | 4 | $ 862,000 | $ 215,500 | $ 65,000 |
| Cleveland, TN | 4 | $ 986,000 | $ 246,500 | $ 54,000 |
| Eugene-Springfield, OR | 4 | $ 841,000 | $ 210,250 | $ 894,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,734,000 | $ 433,500 | $ 224,000 |
| Lakeland, FL | 4 | $ 487,000 | $ 121,750 | $ 49,000 |
| Manchester-Nashua, NH | 4 | $ 944,000 | $ 236,000 | $ 66,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 511,000 | $ 127,750 | $ 67,000 |
| Spokane, WA | 4 | $ 478,000 | $ 119,500 | $ 40,000 |
| Tacoma, WA | 4 | $ 975,000 | $ 243,750 | $ 92,000 |
| Tallahassee, FL | 4 | $ 715,000 | $ 178,750 | $ 65,000 |
| Cheyenne, WY | 3 | $ 532,000 | $ 177,333 | $ 59,000 |
| Clarksville, TN-KY | 3 | $ 367,000 | $ 122,333 | $ 37,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 686,000 | $ 228,666 | $ 83,000 |
| Evansville, IN-KY | 3 | $ 177,000 | $ 59,000 | $ 54,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 304,000 | $ 101,333 | $ 85,000 |
| Knoxville, TN | 3 | $ 543,000 | $ 181,000 | $ 61,000 |
| Lafayette, IN | 3 | $ 679,000 | $ 226,333 | $ 174,000 |
| Ocala, FL | 3 | $ 494,000 | $ 164,666 | $ 50,000 |
| Olympia, WA | 3 | $ 785,000 | $ 261,666 | $ 91,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 554,000 | $ 184,666 | $ 53,000 |
| Roanoke, VA | 3 | $ 326,000 | $ 108,666 | $ 49,000 |
| Altoona, PA | 2 | $ 260,000 | $ 130,000 | $ 44,000 |
| Anderson, IN | 2 | $ 281,000 | $ 140,500 | $ 72,000 |
| Ann Arbor, MI | 2 | $ 63,000 | $ 31,500 | $ 33,000 |
| Bend, OR | 2 | $ 250,000 | $ 125,000 | $ 68,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 195,000 | $ 97,500 | $ 27,000 |
| Bowling Green, KY | 2 | $ 264,000 | $ 132,000 | $ 49,000 |
| Bremerton-Silverdale, WA | 2 | $ 1,061,000 | $ 530,500 | $ 115,000 |
| Chattanooga, TN-GA | 2 | $ 375,000 | $ 187,500 | $ 46,000 |
| Columbia, MO | 2 | $ 347,000 | $ 173,500 | $ 39,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 212,000 | $ 106,000 | $ 52,000 |
| Duluth, MN-WI | 2 | $ 214,000 | $ 107,000 | $ 27,000 |
| Elkhart-Goshen, IN | 2 | $ 262,000 | $ 131,000 | $ 80,000 |
| Fairbanks, AK | 2 | $ 426,000 | $ 213,000 | $ 131,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 264,000 | $ 132,000 | $ 32,000 |
| Fort Collins-Loveland, CO | 2 | $ 548,000 | $ 274,000 | $ 46,000 |
| Gainesville, FL | 2 | $ 435,000 | $ 217,500 | $ 91,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 318,000 | $ 159,000 | $ 63,000 |
| Greeley, CO | 2 | $ 454,000 | $ 227,000 | $ 60,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 340,000 | $ 170,000 | $ 52,000 |
| Joplin, MO | 2 | $ 344,000 | $ 172,000 | $ 70,000 |
| Lansing-East Lansing, MI | 2 | $ 346,000 | $ 173,000 | $ 52,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 525,000 | $ 262,500 | $ 101,000 |
| Norwich-New London, CT | 2 | $ 546,000 | $ 273,000 | $ 87,000 |
| Owensboro, KY | 2 | $ 125,000 | $ 62,500 | $ 32,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 278,000 | $ 139,000 | $ 122,000 |
| Port St. Lucie, FL | 2 | $ 452,000 | $ 226,000 | $ 79,000 |
| Sebastian-Vero Beach, FL | 2 | $ 312,000 | $ 156,000 | $ 47,000 |
| State College, PA | 2 | $ 320,000 | $ 160,000 | $ 50,000 |
| Winchester, VA-WV | 2 | $ 540,000 | $ 270,000 | $ 80,000 |
| Battle Creek, MI | 1 | $ 122,000 | $ 122,000 | $ 54,000 |
| Bay City, MI | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Bloomington, IN | 1 | $ 121,000 | $ 121,000 | $ 58,000 |
| Boulder, CO | 1 | $ 180,000 | $ 180,000 | $ 62,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 197,000 | $ 197,000 | $ 52,000 |
| Columbus, IN | 1 | $ 114,000 | $ 114,000 | $ 39,000 |
| Danville, VA | 1 | $ 311,000 | $ 311,000 | $ 72,000 |
| Erie, PA | 1 | $ 151,000 | $ 151,000 | $ 47,000 |
| Farmington, NM | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Harrisburg-Carlisle, PA | 1 | $ 183,000 | $ 183,000 | $ 59,000 |
| Holland-Grand Haven, MI | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Jackson, MI | 1 | $ 104,000 | $ 104,000 | $ 105,000 |
| Jefferson City, MO | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Johnstown, PA | 1 | $ 97,000 | $ 97,000 | $ 75,000 |
| Kalamazoo-Portage, MI | 1 | $ 116,000 | $ 116,000 | $ 28,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 88,000 | $ 88,000 | $ 139,000 |
| Kokomo, IN | 1 | $ 131,000 | $ 131,000 | $ 48,000 |
| Lancaster, PA | 1 | $ 250,000 | $ 250,000 | $ 96,000 |
| Lebanon, PA | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Monroe, MI | 1 | $ 135,000 | $ 135,000 | $ 28,000 |
| Morristown, TN | 1 | $ 126,000 | $ 126,000 | $ 47,000 |
| Muncie, IN | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Naples-Marco Island, FL | 1 | $ 300,000 | $ 300,000 | $ 29,000 |
| Newark-Union, NJ-PA | 1 | $ 94,000 | $ 94,000 | $ 55,000 |
| Panama City-Lynn Haven, FL | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Rockingham County-Strafford County, NH | 1 | $ 265,000 | $ 265,000 | $ 41,000 |
| Santa Fe, NM | 1 | $ 176,000 | $ 176,000 | $ 78,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 230,000 | $ 230,000 | $ 44,000 |
| St. Joseph, MO-KS | 1 | $ 73,000 | $ 73,000 | $ 65,000 |
| Terre Haute, IN | 1 | $ 56,000 | $ 56,000 | $ 180,000 |
| Wenatchee, WA | 1 | $ 201,000 | $ 201,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Advent Mortgage, LLC in 2007
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 | 1,514 | $232,598,000 | $153,000 | $1,066,000 | $58,000 | $1,685,000 |
| Refinancing | 566 | $107,571,000 | $190,000 | $840,000 | $69,000 | $270,000 |
| Home Improvement | 6 | $726,000 | $121,000 | $198,000 | $59,000 | $180,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,431 | $241,286,000 | $168,000 | $1,066,000 | $61,000 | $720,000 |
| White | 565 | $85,952,000 | $152,000 | $780,000 | $61,000 | $1,685,000 |
| Black or African American | 53 | $6,939,000 | $130,000 | $352,000 | $60,000 | $145,000 |
| Hispanic | 23 | $4,463,000 | $194,000 | $417,000 | $72,000 | $158,000 |
| Asian | 12 | $1,975,000 | $164,000 | $290,000 | $55,000 | $89,000 |
| American Indian or Alaskan Native | 2 | $280,000 | $140,000 | $200,000 | $22,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,987 | $326,595,000 | $164,000 | $1,066,000 | $61,000 | $1,685,000 |
| FHA-insured (Federal Housing Administration) | 95 | $13,568,000 | $142,000 | $366,000 | $58,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 4 | $732,000 | $183,000 | $225,000 | $73,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,405 | $235,756,000 | $167,000 | $1,066,000 | $60,000 | $1,685,000 |
| Loan Originated | 681 | $105,139,000 | $154,000 | $608,000 | $63,000 | $369,000 |
| 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 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 774 | $134,769,000 | $174,000 | $880,000 | $66,000 | $1,685,000 |
| Credit History | 270 | $41,634,000 | $154,000 | $1,066,000 | $47,000 | $347,000 |
| Debt-To-Income Ratio | 92 | $17,265,000 | $187,000 | $602,000 | $54,000 | $720,000 |
| Collateral | 81 | $15,146,000 | $186,000 | $780,000 | $63,000 | $242,000 |
| Unverifiable Information | 20 | $3,094,000 | $154,000 | $375,000 | $47,000 | $134,000 |
| Credit Application Incomplete | 8 | $943,000 | $117,000 | $159,000 | $38,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,187,000 | $296,000 | $592,000 | $127,000 | $211,000 |
| Employment History | 3 | $385,000 | $128,000 | $185,000 | $31,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Advent Mortgage, LLC's 2007 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 Advent Mortgage, 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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