Helm Bank USA Mortgage Lending & HMDA Data, 2015
In 2015, Helm Bank USA of Miami, FL reported 335 mortgage applications totaling $93.5 million, down 6% from 2014. The average application was for $279,205, and applicants reported an average income of $208,835. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (167), Miami-Miami Beach-Kendall, FL (96) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (35) (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 | 335 |
| Total Mortgage Loan Application Amount | $93,534,000 |
| Average Mortgage Loan Application Amount | $279,205 |
| Highest Mortgage Loan Application Amount | $3,120,000 |
| Average Applicant Income | $208,835 |
| Highest Applicant Income | $4,039,000 |
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Act (HMDA) records Helm Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Helm Bank USA in 2015
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 | 313 | $83,215,000 | $265,000 | $3,120,000 | $207,000 | $4,039,000 |
| Refinancing | 15 | $9,250,000 | $616,000 | $3,000,000 | $199,000 | $1,011,000 |
| Home Improvement | 7 | $1,069,000 | $152,000 | $235,000 | $312,000 | $1,495,000 |
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 | 180 | $44,255,000 | $245,000 | $1,734,000 | $293,000 | $4,039,000 |
| Not applicable | 95 | $32,849,000 | $345,000 | $3,120,000 | $0 | $0 |
| White | 55 | $15,522,000 | $282,000 | $3,000,000 | $300,000 | $1,809,000 |
| Asian | 3 | $644,000 | $214,000 | $232,000 | $174,000 | $193,000 |
| Black or African American | 2 | $264,000 | $132,000 | $152,000 | $75,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 335 | $93,534,000 | $279,000 | $3,120,000 | $209,000 | $4,039,000 |
| 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 | 281 | $78,364,000 | $278,000 | $3,120,000 | $168,000 | $1,495,000 |
| Application Withdrawn By Applicant | 28 | $8,908,000 | $318,000 | $950,000 | $489,000 | $4,039,000 |
| Application Approved But Not Accepted | 12 | $2,541,000 | $211,000 | $352,000 | $274,000 | $650,000 |
| Application Denied By Financial Institution | 12 | $3,258,000 | $271,000 | $765,000 | $429,000 | $2,245,000 |
| File Closed For Incompleteness | 2 | $463,000 | $231,000 | $240,000 | $259,000 | $353,000 |
| 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 |
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 | 6 | $1,817,000 | $302,000 | $765,000 | $618,000 | $2,245,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $685,000 | $228,000 | $350,000 | $280,000 | $597,000 |
| Debt-To-Income Ratio | 2 | $623,000 | $311,000 | $419,000 | $226,000 | $395,000 |
| Unverifiable Information | 1 | $133,000 | $133,000 | $133,000 | $145,000 | $145,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Helm Bank USA's 2015 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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