Axiom Bank, N.A. Mortgage Lending & HMDA Data, 2020
In 2020, Axiom Bank, N.A. of Maitland, FL reported 236 mortgage applications totaling $29.3 million, down 81% from 2019. The average application was for $123,983, and applicants reported an average income of $64,360. 31% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (10), Phoenix-Mesa-Scottsdale, AZ (8) and Boston, MA (7) (applications in parentheses).
| Mortgage Company & Address | Axiom Bank, N.A. 258 Southhall Ln Suite 400 Maitland, FL 32751 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 236 |
| Total Mortgage Loan Application Amount | $29,260,000 |
| Average Mortgage Loan Application Amount | $123,983 |
| Highest Mortgage Loan Application Amount | $5,405,000 |
| Average Applicant Income | $64,360 |
| Highest Applicant Income | $163,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Axiom Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 7 | $ 365,000 | $ 52,142 | $ 0 |
| Plymouth, Massachusetts | 6 | $ 660,000 | $ 110,000 | $ 78,000 |
| New Haven, Connecticut | 3 | $ 145,000 | $ 48,333 | $ 57,000 |
| New London, Connecticut | 3 | $ 155,000 | $ 51,666 | $ 57,000 |
| Kent, Delaware | 3 | $ 205,000 | $ 68,333 | $ 84,000 |
| Sussex, Delaware | 3 | $ 165,000 | $ 55,000 | $ 96,000 |
| Evangeline, Louisiana | 3 | $ 235,000 | $ 78,333 | $ 40,000 |
| Lafourche, Louisiana | 3 | $ 185,000 | $ 61,666 | $ 51,000 |
| Bristol, Massachusetts | 3 | $ 235,000 | $ 78,333 | $ 67,000 |
| Atlantic, New Jersey | 3 | $ 135,000 | $ 45,000 | $ 40,000 |
| Burlington, New Jersey | 3 | $ 225,000 | $ 75,000 | $ 81,000 |
| Clackamas, Oregon | 3 | $ 225,000 | $ 75,000 | $ 0 |
| Lane, Oregon | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Chilton, Alabama | 2 | $ 100,000 | $ 50,000 | $ 30,000 |
| Marshall, Alabama | 2 | $ 260,000 | $ 130,000 | $ 103,000 |
| Pima, Arizona | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Lonoke, Arkansas | 2 | $ 120,000 | $ 60,000 | $ 42,000 |
| Pulaski, Arkansas | 2 | $ 220,000 | $ 110,000 | $ 88,000 |
| Union, Arkansas | 2 | $ 260,000 | $ 130,000 | $ 50,000 |
| White, Arkansas | 2 | $ 120,000 | $ 60,000 | $ 77,000 |
| Lake, Florida | 2 | $ 2,300,000 | $ 1,150,000 | $ 84,000 |
| Levy, Florida | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Orange, Florida | 2 | $ 1,810,000 | $ 905,000 | $ 0 |
| Polk, Florida | 2 | $ 110,000 | $ 55,000 | $ 44,000 |
| Seminole, Florida | 2 | $ 930,000 | $ 465,000 | $ 105,000 |
| Grayson, Kentucky | 2 | $ 130,000 | $ 65,000 | $ 98,000 |
| Terrebonne, Louisiana | 2 | $ 150,000 | $ 75,000 | $ 75,000 |
| Hancock, Maine | 2 | $ 200,000 | $ 100,000 | $ 93,000 |
| Jackson, Mississippi | 2 | $ 120,000 | $ 60,000 | $ 46,000 |
| Monmouth, New Jersey | 2 | $ 110,000 | $ 55,000 | $ 48,000 |
| Ocean, New Jersey | 2 | $ 130,000 | $ 65,000 | $ 59,000 |
| Saratoga, New York | 2 | $ 170,000 | $ 85,000 | $ 54,000 |
| Suffolk, New York | 2 | $ 270,000 | $ 135,000 | $ 121,000 |
| Ulster, New York | 2 | $ 190,000 | $ 95,000 | $ 79,000 |
| Mayes, Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 70,000 |
| Deschutes, Oregon | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Washington, Oregon | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Yamhill, Oregon | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Berks, Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 90,000 |
| Hardin, Tennessee | 2 | $ 140,000 | $ 70,000 | $ 32,000 |
| Fayette, Texas | 2 | $ 110,000 | $ 55,000 | $ 42,000 |
| Clark, Washington | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Spokane, Washington | 2 | $ 140,000 | $ 70,000 | $ 59,000 |
| Choctaw, Alabama | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Cullman, Alabama | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Fayette, Alabama | 1 | $ 95,000 | $ 95,000 | $ 61,000 |
| Franklin, Alabama | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Houston, Alabama | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Jefferson, Alabama | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Morgan, Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pickens, Alabama | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Sumter, Alabama | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| La Paz, Arizona | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Mohave, Arizona | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pinal, Arizona | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Dallas, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Hot Spring, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Miller, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Mississippi, Arkansas | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Ouachita, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| Van Buren, Arkansas | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Middlesex, Connecticut | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Tolland, Connecticut | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Alachua, Florida | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| Brevard, Florida | 1 | $ 5,405,000 | $ 5,405,000 | $ 0 |
| Columbia, Florida | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Indian River, Florida | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Lee, Florida | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Pinellas, Florida | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Volusia, Florida | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Washington, Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Brantley, Georgia | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Camden, Georgia | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Catoosa, Georgia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Chatham, Georgia | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Glynn, Georgia | 1 | $ 65,000 | $ 65,000 | $ 135,000 |
| Paulding, Georgia | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Pierce, Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Clay, Illinois | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Effingham, Illinois | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Marion, Illinois | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Morgan, Indiana | 1 | $ 85,000 | $ 85,000 | $ 73,000 |
| Franklin, Kansas | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Breckinridge, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 116,000 |
| Edmonson, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Hancock, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Hart, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Laurel, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Marion, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| Acadia, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Allen, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Caddo, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| De Soto, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| East Baton Rouge, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| La Salle, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Rapides, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| St. Tammany, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| West Feliciana, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cumberland, Maine | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| York, Maine | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Barnstable, Massachusetts | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Essex, Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Hampden, Massachusetts | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Hampshire, Massachusetts | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Norfolk, Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Bay, Michigan | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Ingham, Michigan | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Ionia, Michigan | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Oakland, Michigan | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Ottawa, Michigan | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| St. Clair, Michigan | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Bolivar, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Chickasaw, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Clarke, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Clay, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Copiah, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Covington, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 21,000 |
| George, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Itawamba, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Jones, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Lauderdale, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Marshall, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Neshoba, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 132,000 |
| Pontotoc, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Warren, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Rockingham, New Hampshire | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Gloucester, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Sussex, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Bernalillo, New Mexico | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Albany, New York | 1 | $ 45,000 | $ 45,000 | $ 69,000 |
| Dutchess, New York | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Oneida, New York | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Orange, New York | 1 | $ 115,000 | $ 115,000 | $ 102,000 |
| Rensselaer, New York | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Rockland, New York | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Lenoir, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cherokee, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Pittsburg, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Wagoner, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Josephine, Oregon | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Montgomery, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Newport, Rhode Island | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| Dorchester, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Orangeburg, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Bledsoe, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hickman, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lewis, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Meigs, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Monroe, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Montgomery, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Tipton, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Bowie, Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Colorado, Texas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Guadalupe, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Harris, Texas | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Hunt, Texas | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Kaufman, Texas | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| San Jacinto, Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Smith, Texas | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Van Zandt, Texas | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Benton, Washington | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Chelan, Washington | 1 | $ 75,000 | $ 75,000 | $ 0 |
| King, Washington | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pierce, Washington | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Yakima, Washington | 1 | $ 55,000 | $ 55,000 | $ 0 |
Mortgage Loan Application Detail Totals for Axiom Bank, N.A. in 2020
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 | 225 | $28,595,000 | $127,000 | $5,405,000 | $65,000 | $163,000 |
| Cash-out Refinancing | 6 | $310,000 | $51,000 | $105,000 | $44,000 | $62,000 |
| Refinancing | 5 | $355,000 | $71,000 | $105,000 | $60,000 | $75,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 146 | $10,680,000 | $73,000 | $195,000 | $65,000 | $163,000 |
| Not applicable | 68 | $17,110,000 | $251,000 | $5,405,000 | $0 | $0 |
| Not Provided | 9 | $625,000 | $69,000 | $105,000 | $65,000 | $112,000 |
| Black or African American | 6 | $510,000 | $85,000 | $105,000 | $55,000 | $77,000 |
| American Indian or Alaskan Native | 3 | $175,000 | $58,000 | $75,000 | $46,000 | $48,000 |
| Asian | 2 | $60,000 | $30,000 | $45,000 | $77,000 | $100,000 |
| Hispanic | 2 | $100,000 | $50,000 | $55,000 | $47,000 | $71,000 |
| 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) | 236 | $29,260,000 | $123,000 | $5,405,000 | $64,000 | $163,000 |
| 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 | 73 | $11,815,000 | $161,000 | $2,405,000 | $63,000 | $163,000 |
| Loan Purchased By The Institution | 62 | $4,510,000 | $72,000 | $145,000 | $0 | $0 |
| Application Denied By Financial Institution | 58 | $4,560,000 | $78,000 | $185,000 | $71,000 | $148,000 |
| Application Approved But Not Accepted | 41 | $2,905,000 | $70,000 | $165,000 | $57,000 | $130,000 |
| Application Withdrawn By Applicant | 2 | $5,470,000 | $2,735,000 | $5,405,000 | $77,000 | $77,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 178 | $24,700,000 | $138,000 | $5,405,000 | $61,000 | $163,000 |
| Credit History | 28 | $2,140,000 | $76,000 | $155,000 | $63,000 | $135,000 |
| Debt-To-Income Ratio | 12 | $1,000,000 | $83,000 | $135,000 | $72,000 | $148,000 |
| Other | 10 | $920,000 | $92,000 | $185,000 | $98,000 | $133,000 |
| Collateral | 6 | $370,000 | $61,000 | $115,000 | $68,000 | $122,000 |
| Employment History | 2 | $130,000 | $65,000 | $65,000 | $53,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Axiom Bank, N.A.'s 2020 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 Axiom Bank, N.A.'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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