Axiom Bank, N.A. Mortgage Lending & HMDA Data, 2019
In 2019, Axiom Bank, N.A. of Maitland, FL reported 1,250 mortgage applications totaling $87.1 million. The average application was for $69,696, and applicants reported an average income of $69,747. 16% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Boston, MA (87), Providence-Warwick, RI-MA (75) and New York-Newark, NY (71) (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 | 1,250 |
| Total Mortgage Loan Application Amount | $87,120,000 |
| Average Mortgage Loan Application Amount | $69,696 |
| Highest Mortgage Loan Application Amount | $3,305,000 |
| Average Applicant Income | $69,747 |
| Highest Applicant Income | $402,000 |
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Act (HMDA) records Axiom Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 169 | $ 11,245,000 | $ 66,538 | $ 56,993 |
| Boston, MA | 87 | $ 6,465,000 | $ 74,310 | $ 75,000 |
| Providence-Warwick, RI-MA | 75 | $ 4,575,000 | $ 61,000 | $ 58,480 |
| New York-Newark, NY | 71 | $ 4,555,000 | $ 64,154 | $ 72,943 |
| Portland-Vancouver-Hillsboro, OR-WA | 49 | $ 3,775,000 | $ 77,040 | $ 64,367 |
| Rockingham County-Strafford County, NH | 39 | $ 1,935,000 | $ 49,615 | $ 77,000 |
| Salisbury, MD-DE | 38 | $ 2,290,000 | $ 60,263 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 28 | $ 1,680,000 | $ 60,000 | $ 89,000 |
| Atlantic City-Hammonton, NJ | 26 | $ 1,670,000 | $ 64,230 | $ 74,000 |
| Hartford-West Hartford-East Hartford, CT | 24 | $ 1,180,000 | $ 49,166 | $ 74,000 |
| Warren-Troy-Farmington Hills, MI | 24 | $ 1,410,000 | $ 58,750 | $ 64,000 |
| Nassau County-Suffolk County, NY | 20 | $ 1,390,000 | $ 69,500 | $ 76,000 |
| Albany-Schenectady-Troy, NY | 19 | $ 875,000 | $ 46,052 | $ 45,000 |
| Tampa-St. Petersburg-Clearwater, FL | 19 | $ 1,375,000 | $ 72,368 | $ 86,000 |
| Worcester, MA-CT | 18 | $ 1,000,000 | $ 55,555 | $ 55,666 |
| Manchester-Nashua, NH | 17 | $ 885,000 | $ 52,058 | $ 0 |
| Cambridge-Newton-Framingham, MA | 15 | $ 895,000 | $ 59,666 | $ 75,000 |
| Salem, OR | 15 | $ 835,000 | $ 55,666 | $ 34,000 |
| Grand Rapids-Wyoming, MI | 14 | $ 630,000 | $ 45,000 | $ 57,000 |
| Orlando-Kissimmee-Sanford, FL | 14 | $ 3,040,000 | $ 217,142 | $ 82,000 |
| Camden, NJ | 13 | $ 825,000 | $ 63,461 | $ 74,000 |
| Norwich-New London, CT | 13 | $ 565,000 | $ 43,461 | $ 65,000 |
| Portland-South Portland, ME | 13 | $ 565,000 | $ 43,461 | $ 67,000 |
| Springfield, MA | 13 | $ 715,000 | $ 55,000 | $ 71,000 |
| Eugene, OR | 12 | $ 880,000 | $ 73,333 | $ 41,000 |
| Tucson, AZ | 11 | $ 675,000 | $ 61,363 | $ 69,000 |
| New York-Jersey City-White Plains, NY-NJ | 10 | $ 610,000 | $ 61,000 | $ 60,600 |
| Dover, DE | 9 | $ 625,000 | $ 69,444 | $ 46,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 470,000 | $ 58,750 | $ 70,000 |
| Lakeland-Winter Haven, FL | 8 | $ 850,000 | $ 106,250 | $ 48,000 |
| Ocean City, NJ | 8 | $ 530,000 | $ 66,250 | $ 63,000 |
| Monroe, MI | 7 | $ 365,000 | $ 52,142 | $ 57,000 |
| Albany, OR | 6 | $ 310,000 | $ 51,666 | $ 59,000 |
| Corvallis, OR | 6 | $ 440,000 | $ 73,333 | $ 125,000 |
| Gainesville, FL | 6 | $ 460,000 | $ 76,666 | $ 84,000 |
| New Haven-Milford, CT | 6 | $ 210,000 | $ 35,000 | $ 66,000 |
| Utica-Rome, NY | 6 | $ 230,000 | $ 38,333 | $ 42,000 |
| Fort Worth-Arlington, TX | 5 | $ 325,000 | $ 65,000 | $ 75,000 |
| Kingston, NY | 5 | $ 195,000 | $ 39,000 | $ 48,000 |
| Lansing-East Lansing, MI | 5 | $ 225,000 | $ 45,000 | $ 68,000 |
| Pittsfield, MA | 5 | $ 125,000 | $ 25,000 | $ 9,000 |
| Port St. Lucie, FL | 5 | $ 855,000 | $ 171,000 | $ 190,000 |
| Prescott Valley-Prescott, AZ | 5 | $ 355,000 | $ 71,000 | $ 42,000 |
| Alexandria, LA | 4 | $ 260,000 | $ 65,000 | $ 51,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 270,000 | $ 67,500 | $ 81,500 |
| Ann Arbor, MI | 4 | $ 150,000 | $ 37,500 | $ 60,000 |
| Barnstable Town, MA | 4 | $ 230,000 | $ 57,500 | $ 36,000 |
| Birmingham-Hoover, AL | 4 | $ 300,000 | $ 75,000 | $ 93,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 190,000 | $ 47,500 | $ 53,000 |
| Lafayette, LA | 4 | $ 220,000 | $ 55,000 | $ 43,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 260,000 | $ 65,000 | $ 241,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 280,000 | $ 70,000 | $ 59,000 |
| Medford, OR | 4 | $ 250,000 | $ 62,500 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 380,000 | $ 95,000 | $ 83,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,790,000 | $ 447,500 | $ 83,000 |
| Reading, PA | 4 | $ 500,000 | $ 125,000 | $ 79,000 |
| Sebastian-Vero Beach, FL | 4 | $ 190,000 | $ 47,500 | $ 118,000 |
| Tulsa, OK | 4 | $ 210,000 | $ 52,500 | $ 65,000 |
| Tuscaloosa, AL | 4 | $ 240,000 | $ 60,000 | $ 55,000 |
| Wilmington, DE-MD-NJ | 4 | $ 120,000 | $ 30,000 | $ 0 |
| Yakima, WA | 4 | $ 200,000 | $ 50,000 | $ 0 |
| Austin-Round Rock, TX | 3 | $ 115,000 | $ 38,333 | $ 0 |
| Bend-Redmond, OR | 3 | $ 145,000 | $ 48,333 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 175,000 | $ 58,333 | $ 56,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 205,000 | $ 68,333 | $ 97,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 3,455,000 | $ 1,151,666 | $ 0 |
| Fort Smith, AR-OK | 3 | $ 295,000 | $ 98,333 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 235,000 | $ 78,333 | $ 87,000 |
| Jackson, MS | 3 | $ 285,000 | $ 95,000 | $ 54,000 |
| Memphis, TN-MS-AR | 3 | $ 265,000 | $ 88,333 | $ 57,000 |
| Mobile, AL | 3 | $ 235,000 | $ 78,333 | $ 74,000 |
| Monroe, LA | 3 | $ 125,000 | $ 41,666 | $ 80,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Niles-Benton Harbor, MI | 3 | $ 145,000 | $ 48,333 | $ 37,000 |
| Rochester, NY | 3 | $ 135,000 | $ 45,000 | $ 45,000 |
| Shreveport-Bossier City, LA | 3 | $ 145,000 | $ 48,333 | $ 0 |
| Spokane-Spokane Valley, WA | 3 | $ 275,000 | $ 91,666 | $ 0 |
| Tallahassee, FL | 3 | $ 365,000 | $ 121,666 | $ 64,000 |
| Vineland-Bridgeton, NJ | 3 | $ 185,000 | $ 61,666 | $ 51,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 160,000 | $ 80,000 | $ 53,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 110,000 | $ 55,000 | $ 45,000 |
| Brunswick, GA | 2 | $ 140,000 | $ 70,000 | $ 95,000 |
| Burlington-South Burlington, VT | 2 | $ 120,000 | $ 60,000 | $ 119,000 |
| Columbia, SC | 2 | $ 130,000 | $ 65,000 | $ 61,000 |
| Dothan, AL | 2 | $ 200,000 | $ 100,000 | $ 74,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 180,000 | $ 90,000 | $ 48,000 |
| Grants Pass, OR | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Hattiesburg, MS | 2 | $ 70,000 | $ 35,000 | $ 26,000 |
| Houma-Thibodaux, LA | 2 | $ 60,000 | $ 30,000 | $ 51,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 100,000 | $ 50,000 | $ 104,000 |
| Jacksonville, FL | 2 | $ 190,000 | $ 95,000 | $ 118,000 |
| Lake Charles, LA | 2 | $ 140,000 | $ 70,000 | $ 120,000 |
| Lebanon, PA | 2 | $ 150,000 | $ 75,000 | $ 48,000 |
| Longview, WA | 2 | $ 170,000 | $ 85,000 | $ 39,000 |
| Midland, MI | 2 | $ 90,000 | $ 45,000 | $ 0 |
| New Orleans-Metairie, LA | 2 | $ 160,000 | $ 80,000 | $ 40,000 |
| Oklahoma City, OK | 2 | $ 140,000 | $ 70,000 | $ 101,000 |
| Punta Gorda, FL | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Raleigh, NC | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 2 | $ 160,000 | $ 80,000 | $ 56,000 |
| Tacoma-Lakewood, WA | 2 | $ 240,000 | $ 120,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 140,000 | $ 70,000 | $ 61,000 |
| Yuma, AZ | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Battle Creek, MI | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
| Bellingham, WA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Bowling Green, KY | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Bremerton-Silverdale, WA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Clarksville, TN-KY | 1 | $ 75,000 | $ 75,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| East Stroudsburg, PA | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Flint, MI | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Hammond, LA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 145,000 | $ 145,000 | $ 216,000 |
| Huntsville, AL | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Jackson, MI | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Jackson, TN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Knoxville, TN | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lewiston-Auburn, ME | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Macon-Bibb County, GA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Montgomery, AL | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 115,000 | $ 115,000 | $ 147,000 |
| Ocala, FL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Saginaw, MI | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| San Antonio-New Braunfels, TX | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 125,000 | $ 125,000 | $ 103,000 |
| Sebring, FL | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| The Villages, FL | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Trenton, NJ | 1 | $ 95,000 | $ 95,000 | $ 74,000 |
| Waco, TX | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wenatchee, WA | 1 | $ 45,000 | $ 45,000 | $ 0 |
Mortgage Loan Application Detail Totals for Axiom Bank, N.A. in 2019
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 | 1,172 | $81,000,000 | $69,000 | $3,305,000 | $70,000 | $402,000 |
| Refinancing | 56 | $4,580,000 | $81,000 | $1,605,000 | $63,000 | $125,000 |
| Cash-out Refinancing | 14 | $1,010,000 | $72,000 | $205,000 | $71,000 | $252,000 |
| Other Purpose | 7 | $425,000 | $60,000 | $155,000 | $79,000 | $136,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 705 | $47,495,000 | $67,000 | $3,305,000 | $0 | $0 |
| White | 440 | $31,070,000 | $70,000 | $275,000 | $72,000 | $402,000 |
| Not Provided | 49 | $4,765,000 | $97,000 | $1,605,000 | $64,000 | $151,000 |
| Black or African American | 32 | $2,020,000 | $63,000 | $125,000 | $52,000 | $121,000 |
| Hispanic | 15 | $1,005,000 | $67,000 | $135,000 | $59,000 | $118,000 |
| American Indian or Alaskan Native | 6 | $440,000 | $73,000 | $145,000 | $84,000 | $216,000 |
| Asian | 3 | $325,000 | $108,000 | $145,000 | $60,000 | $79,000 |
| 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) | 1,250 | $87,120,000 | $69,000 | $3,305,000 | $70,000 | $402,000 |
| 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 Purchased By The Institution | 702 | $41,590,000 | $59,000 | $225,000 | $0 | $0 |
| Application Approved But Not Accepted | 226 | $15,750,000 | $69,000 | $275,000 | $68,000 | $264,000 |
| Loan Originated | 196 | $20,540,000 | $104,000 | $3,305,000 | $77,000 | $402,000 |
| Application Denied By Financial Institution | 126 | $9,240,000 | $73,000 | $245,000 | $63,000 | $305,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,124 | $77,880,000 | $69,000 | $3,305,000 | $72,000 | $402,000 |
| Credit History | 87 | $6,725,000 | $77,000 | $245,000 | $67,000 | $305,000 |
| Debt-To-Income Ratio | 21 | $1,555,000 | $74,000 | $145,000 | $44,000 | $98,000 |
| Collateral | 8 | $370,000 | $46,000 | $85,000 | $62,000 | $113,000 |
| Other | 6 | $360,000 | $60,000 | $95,000 | $84,000 | $139,000 |
| Employment History | 4 | $230,000 | $57,000 | $75,000 | $58,000 | $93,000 |
| 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 Axiom Bank, N.A.'s 2019 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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