Helm Bank USA Mortgage Lending & HMDA Data, 2016
In 2016, Helm Bank USA of Miami, FL reported 251 mortgage applications totaling $135.5 million, down 25% from 2015. The average application was for $540,003, and applicants reported an average income of $255,980. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (116), Orlando-Kissimmee-Sanford, FL (78) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (25) (applications in parentheses).
| Mortgage Company & Address | Helm Bank USA 999 Brickell Ave Miami, FL 33131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 251 |
| Total Mortgage Loan Application Amount | $135,541,000 |
| Average Mortgage Loan Application Amount | $540,003 |
| Highest Mortgage Loan Application Amount | $7,800,000 |
| Average Applicant Income | $255,980 |
| Highest Applicant Income | $8,740,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Helm Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Miami-Miami Beach-Kendall, FL | 116 | $ 85,369,000 | $ 735,939 | $ 333,000 |
| Orlando-Kissimmee-Sanford, FL | 78 | $ 23,986,000 | $ 307,512 | $ 253,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 25 | $ 8,029,000 | $ 321,160 | $ 129,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 14 | $ 5,308,000 | $ 379,142 | $ 133,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 9,328,000 | $ 1,332,571 | $ 0 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,402,000 | $ 350,500 | $ 42,000 |
| Lakeland-Winter Haven, FL | 3 | $ 464,000 | $ 154,666 | $ 110,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 991,000 | $ 991,000 | $ 0 |
| Jacksonville, FL | 1 | $ 108,000 | $ 108,000 | $ 62,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 102,000 | $ 102,000 | $ 128,000 |
| Sebring, FL | 1 | $ 454,000 | $ 454,000 | $ 0 |
Mortgage Loan Application Detail Totals for Helm Bank USA 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 | 223 | $120,838,000 | $541,000 | $7,800,000 | $272,000 | $8,740,000 |
| Refinancing | 23 | $11,986,000 | $521,000 | $1,727,000 | $100,000 | $527,000 |
| Home Improvement | 5 | $2,717,000 | $543,000 | $900,000 | $259,000 | $899,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 117 | $63,586,000 | $543,000 | $7,800,000 | $470,000 | $8,740,000 |
| Not applicable | 100 | $60,237,000 | $602,000 | $7,000,000 | $0 | $0 |
| White | 32 | $11,339,000 | $354,000 | $1,391,000 | $281,000 | $931,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $231,000 | $231,000 | $231,000 | $131,000 | $131,000 |
| Asian | 1 | $148,000 | $148,000 | $148,000 | $131,000 | $131,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 251 | $135,541,000 | $540,000 | $7,800,000 | $256,000 | $8,740,000 |
| 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 | 170 | $56,868,000 | $334,000 | $3,960,000 | $137,000 | $1,665,000 |
| Application Withdrawn By Applicant | 27 | $13,945,000 | $516,000 | $4,290,000 | $301,000 | $1,238,000 |
| Application Denied By Financial Institution | 25 | $31,816,000 | $1,272,000 | $7,800,000 | $741,000 | $8,740,000 |
| Loan Purchased By The Institution | 21 | $22,338,000 | $1,063,000 | $2,601,000 | $0 | $0 |
| Application Approved But Not Accepted | 5 | $3,053,000 | $610,000 | $1,925,000 | $1,841,000 | $7,665,000 |
| File Closed For Incompleteness | 3 | $7,521,000 | $2,507,000 | $7,150,000 | $1,661,000 | $4,632,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $11,516,000 | $1,279,000 | $7,000,000 | $208,000 | $539,000 |
| Collateral | 6 | $3,008,000 | $501,000 | $975,000 | $505,000 | $2,017,000 |
| Other | 4 | $5,972,000 | $1,493,000 | $4,485,000 | $778,000 | $1,312,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,945,000 | $981,000 | $2,500,000 | $462,000 | $875,000 |
| Credit History | 2 | $575,000 | $287,000 | $340,000 | $192,000 | $256,000 |
| Unverifiable Information | 1 | $7,800,000 | $7,800,000 | $7,800,000 | $8,740,000 | $8,740,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Helm Bank USA'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 Helm Bank USA'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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