Columbus Capital Lending, LLC Mortgage Lending & HMDA Data, 2016
In 2016, Columbus Capital Lending, LLC of Miami, FL reported 1,915 mortgage applications totaling $433.5 million, up 53% from 2015. The average application was for $226,380, and applicants reported an average income of $82,741. 67% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (1,097), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (300) and Orlando-Kissimmee-Sanford, FL (120) (applications in parentheses).
| Mortgage Company & Address | Columbus Capital Lending, LLC 9485 Sunset Drive Suite A150 Miami, FL 33173 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 1,915 |
| Total Mortgage Loan Application Amount | $433,518,000 |
| Average Mortgage Loan Application Amount | $226,380 |
| Highest Mortgage Loan Application Amount | $1,651,000 |
| Average Applicant Income | $82,741 |
| Highest Applicant Income | $811,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Columbus Capital Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Miami-Dade, Florida | 1,097 | $ 260,576,000 | $ 237,535 | $ 84,000 |
| Broward, Florida | 300 | $ 70,567,000 | $ 235,223 | $ 86,000 |
| Orange, Florida | 62 | $ 11,335,000 | $ 182,822 | $ 62,000 |
| Palm Beach, Florida | 44 | $ 9,852,000 | $ 223,909 | $ 76,000 |
| Osceola, Florida | 42 | $ 6,680,000 | $ 159,047 | $ 53,000 |
| Pinellas, Florida | 32 | $ 6,807,000 | $ 212,718 | $ 128,000 |
| Travis, Texas | 31 | $ 6,393,000 | $ 206,225 | $ 77,000 |
| Los Angeles, California | 25 | $ 7,400,000 | $ 296,000 | $ 84,000 |
| Williamson, Texas | 25 | $ 4,627,000 | $ 185,080 | $ 73,000 |
| Dallas, Texas | 22 | $ 2,923,000 | $ 132,863 | $ 66,000 |
| Polk, Florida | 18 | $ 2,457,000 | $ 136,500 | $ 51,000 |
| Riverside, California | 15 | $ 4,384,000 | $ 292,266 | $ 71,000 |
| Hillsborough, Florida | 15 | $ 2,657,000 | $ 177,133 | $ 66,000 |
| Tarrant, Texas | 14 | $ 2,232,000 | $ 159,428 | $ 73,000 |
| Monroe, Florida | 13 | $ 4,516,000 | $ 347,384 | $ 179,000 |
| Hidalgo, Texas | 13 | $ 1,633,000 | $ 125,615 | $ 52,000 |
| San Bernardino, California | 12 | $ 3,109,000 | $ 259,083 | $ 125,000 |
| Seminole, Florida | 12 | $ 2,155,000 | $ 179,583 | $ 50,000 |
| Okaloosa, Florida | 10 | $ 1,934,000 | $ 193,400 | $ 72,000 |
| St. Lucie, Florida | 10 | $ 1,431,000 | $ 143,100 | $ 139,000 |
| Collin, Texas | 9 | $ 1,941,000 | $ 215,666 | $ 70,000 |
| Santa Rosa, Florida | 8 | $ 1,347,000 | $ 168,375 | $ 60,000 |
| Volusia, Florida | 6 | $ 935,000 | $ 155,833 | $ 52,000 |
| Denton, Texas | 6 | $ 1,093,000 | $ 182,166 | $ 69,000 |
| Escambia, Florida | 5 | $ 642,000 | $ 128,400 | $ 60,000 |
| Lee, Florida | 5 | $ 852,000 | $ 170,400 | $ 92,000 |
| Kaufman, Texas | 5 | $ 904,000 | $ 180,800 | $ 76,000 |
| Rockwall, Texas | 5 | $ 964,000 | $ 192,800 | $ 94,000 |
| Lake, Florida | 4 | $ 523,000 | $ 130,750 | $ 47,000 |
| Pasco, Florida | 4 | $ 904,000 | $ 226,000 | $ 91,000 |
| Harris, Texas | 4 | $ 615,000 | $ 153,750 | $ 68,000 |
| Contra Costa, California | 3 | $ 1,083,000 | $ 361,000 | $ 89,000 |
| Orange, California | 3 | $ 1,496,000 | $ 498,666 | $ 119,000 |
| Brevard, Florida | 3 | $ 264,000 | $ 88,000 | $ 49,000 |
| Hays, Texas | 3 | $ 777,000 | $ 259,000 | $ 86,000 |
| Collier, Florida | 2 | $ 386,000 | $ 193,000 | $ 91,000 |
| Sarasota, Florida | 2 | $ 348,000 | $ 174,000 | $ 37,000 |
| Caldwell, Texas | 2 | $ 175,000 | $ 87,500 | $ 25,000 |
| Ector, Texas | 2 | $ 357,000 | $ 178,500 | $ 51,000 |
| Midland, Texas | 2 | $ 320,000 | $ 160,000 | $ 72,000 |
| Sonoma, California | 1 | $ 549,000 | $ 549,000 | $ 597,000 |
| Alachua, Florida | 1 | $ 240,000 | $ 240,000 | $ 66,000 |
| Charlotte, Florida | 1 | $ 137,000 | $ 137,000 | $ 45,000 |
| Duval, Florida | 1 | $ 82,000 | $ 82,000 | $ 47,000 |
| Hardee, Florida | 1 | $ 187,000 | $ 187,000 | $ 114,000 |
| Highlands, Florida | 1 | $ 116,000 | $ 116,000 | $ 40,000 |
| Leon, Florida | 1 | $ 80,000 | $ 80,000 | $ 65,000 |
| Manatee, Florida | 1 | $ 246,000 | $ 246,000 | $ 118,000 |
| Okeechobee, Florida | 1 | $ 188,000 | $ 188,000 | $ 52,000 |
| Sumter, Florida | 1 | $ 314,000 | $ 314,000 | $ 61,000 |
| Bastrop, Texas | 1 | $ 164,000 | $ 164,000 | $ 45,000 |
| Bexar, Texas | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| El Paso, Texas | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| Ellis, Texas | 1 | $ 392,000 | $ 392,000 | $ 187,000 |
| Fort Bend, Texas | 1 | $ 138,000 | $ 138,000 | $ 160,000 |
| Galveston, Texas | 1 | $ 237,000 | $ 237,000 | $ 79,000 |
| Hunt, Texas | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| McLennan, Texas | 1 | $ 158,000 | $ 158,000 | $ 70,000 |
| Nueces, Texas | 1 | $ 179,000 | $ 179,000 | $ 91,000 |
| Van Zandt, Texas | 1 | $ 166,000 | $ 166,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Columbus Capital Lending, LLC in 2016
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 | 1,904 | $431,107,000 | $226,000 | $1,651,000 | $83,000 | $811,000 |
| Refinancing | 11 | $2,411,000 | $219,000 | $291,000 | $38,000 | $107,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 1,492 | $338,710,000 | $227,000 | $1,320,000 | $80,000 | $705,000 |
| White | 242 | $56,374,000 | $232,000 | $1,651,000 | $98,000 | $811,000 |
| Black or African American | 125 | $24,202,000 | $193,000 | $446,000 | $70,000 | $494,000 |
| Not Provided | 30 | $7,633,000 | $254,000 | $438,000 | $113,000 | $346,000 |
| Asian | 23 | $5,578,000 | $242,000 | $423,000 | $100,000 | $384,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $472,000 | $236,000 | $284,000 | $122,000 | $127,000 |
| American Indian or Alaskan Native | 1 | $549,000 | $549,000 | $549,000 | $597,000 | $597,000 |
| 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) | 945 | $216,391,000 | $228,000 | $1,651,000 | $101,000 | $811,000 |
| FHA-insured (Federal Housing Administration) | 909 | $201,896,000 | $222,000 | $565,000 | $65,000 | $597,000 |
| VA-guaranteed (Veterans Administration) | 54 | $14,207,000 | $263,000 | $521,000 | $76,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,024,000 | $146,000 | $179,000 | $58,000 | $78,000 |
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 | 1,282 | $285,547,000 | $222,000 | $565,000 | $82,000 | $811,000 |
| Application Withdrawn By Applicant | 259 | $59,770,000 | $230,000 | $1,000,000 | $84,000 | $608,000 |
| Application Denied By Financial Institution | 236 | $56,070,000 | $237,000 | $1,651,000 | $89,000 | $705,000 |
| File Closed For Incompleteness | 138 | $32,131,000 | $232,000 | $1,320,000 | $81,000 | $516,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 71 | $14,641,000 | $206,000 | $1,264,000 | $95,000 | $698,000 |
| Debt-To-Income Ratio | 51 | $14,077,000 | $276,000 | $1,300,000 | $90,000 | $705,000 |
| Credit History | 33 | $7,319,000 | $221,000 | $612,000 | $82,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,935,000 | $274,000 | $580,000 | $93,000 | $222,000 |
| Other | 16 | $3,036,000 | $189,000 | $333,000 | $72,000 | $241,000 |
| Credit Application Incomplete | 10 | $3,903,000 | $390,000 | $1,651,000 | $122,000 | $320,000 |
| Unverifiable Information | 8 | $1,791,000 | $223,000 | $367,000 | $97,000 | $245,000 |
| Employment History | 6 | $1,285,000 | $214,000 | $326,000 | $77,000 | $172,000 |
| Mortgage Insurance Denied | 1 | $82,000 | $82,000 | $82,000 | $48,000 | $48,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Columbus Capital Lending, LLC's 2016 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 Columbus Capital Lending, 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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