Homebanc, N.A. Mortgage Lending & HMDA Data, 2014
In 2014, Homebanc, N.A. of Lake Mary, FL reported 463 mortgage applications totaling $306.2 million, down 65% from 2013. The average application was for $661,339, and applicants reported an average income of $38,749. 27% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (125), Chicago-Naperville-Arlington Heights, IL (43) and Dallas-Plano-Irving, TX (23) (applications in parentheses).
| Mortgage Company & Address | Homebanc, N.A. 3704 W. Lake Mary Blvd Lake Mary, FL 32746 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 463 |
| Total Mortgage Loan Application Amount | $306,200,000 |
| Average Mortgage Loan Application Amount | $661,339 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $38,749 |
| Highest Applicant Income | $1,463,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homebanc, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hillsborough, Florida | 55 | $ 26,345,000 | $ 479,000 | $ 91,000 |
| Pinellas, Florida | 46 | $ 16,022,000 | $ 348,304 | $ 172,000 |
| Cook, Illinois | 24 | $ 21,734,000 | $ 905,583 | $ 0 |
| Pasco, Florida | 22 | $ 4,356,000 | $ 198,000 | $ 80,000 |
| Los Angeles, California | 21 | $ 14,724,000 | $ 701,142 | $ 0 |
| Dallas, Texas | 17 | $ 11,310,000 | $ 665,294 | $ 0 |
| Travis, Texas | 13 | $ 9,950,000 | $ 765,384 | $ 0 |
| DuPage, Illinois | 12 | $ 9,608,000 | $ 800,666 | $ 0 |
| Manatee, Florida | 11 | $ 5,427,000 | $ 493,363 | $ 98,000 |
| Maricopa, Arizona | 10 | $ 7,377,000 | $ 737,700 | $ 0 |
| Alachua, Florida | 10 | $ 1,900,000 | $ 190,000 | $ 142,000 |
| Harris, Texas | 10 | $ 6,184,000 | $ 618,400 | $ 0 |
| Orange, California | 9 | $ 7,504,000 | $ 833,777 | $ 0 |
| San Mateo, California | 8 | $ 8,843,000 | $ 1,105,375 | $ 0 |
| King, Washington | 7 | $ 5,022,000 | $ 717,428 | $ 0 |
| Santa Clara, California | 6 | $ 4,436,000 | $ 739,333 | $ 0 |
| Orange, Florida | 6 | $ 4,459,000 | $ 743,166 | $ 0 |
| Palm Beach, Florida | 5 | $ 3,259,000 | $ 651,800 | $ 0 |
| Lake, Illinois | 5 | $ 2,994,000 | $ 598,800 | $ 0 |
| Will, Illinois | 5 | $ 2,527,000 | $ 505,400 | $ 0 |
| Collin, Texas | 5 | $ 4,204,000 | $ 840,800 | $ 0 |
| Tarrant, Texas | 5 | $ 2,757,000 | $ 551,400 | $ 0 |
| Miami-Dade, Florida | 4 | $ 3,466,000 | $ 866,500 | $ 0 |
| Polk, Florida | 4 | $ 852,000 | $ 213,000 | $ 83,000 |
| Morris, New Jersey | 4 | $ 3,191,000 | $ 797,750 | $ 0 |
| San Diego, California | 3 | $ 2,947,000 | $ 982,333 | $ 0 |
| Ventura, California | 3 | $ 2,272,000 | $ 757,333 | $ 0 |
| Broward, Florida | 3 | $ 1,702,000 | $ 567,333 | $ 0 |
| Collier, Florida | 3 | $ 2,763,000 | $ 921,000 | $ 0 |
| Seminole, Florida | 3 | $ 5,365,000 | $ 1,788,333 | $ 62,000 |
| Volusia, Florida | 3 | $ 4,631,000 | $ 1,543,666 | $ 19,000 |
| Fulton, Georgia | 3 | $ 2,204,000 | $ 734,666 | $ 0 |
| Montgomery, Maryland | 3 | $ 2,399,000 | $ 799,666 | $ 0 |
| Fairfax, Virginia | 3 | $ 2,577,000 | $ 859,000 | $ 0 |
| Virginia Beach, Virginia | 3 | $ 1,616,000 | $ 538,666 | $ 0 |
| Alameda, California | 2 | $ 1,065,000 | $ 532,500 | $ 0 |
| Sonoma, California | 2 | $ 1,598,000 | $ 799,000 | $ 0 |
| Hernando, Florida | 2 | $ 209,000 | $ 104,500 | $ 116,000 |
| Walton, Florida | 2 | $ 1,075,000 | $ 537,500 | $ 0 |
| Chatham, Georgia | 2 | $ 1,501,000 | $ 750,500 | $ 0 |
| Kane, Illinois | 2 | $ 1,036,000 | $ 518,000 | $ 0 |
| McHenry, Illinois | 2 | $ 1,353,000 | $ 676,500 | $ 0 |
| Rock Island, Illinois | 2 | $ 816,000 | $ 408,000 | $ 0 |
| Lake, Indiana | 2 | $ 803,000 | $ 401,500 | $ 0 |
| Ouachita, Louisiana | 2 | $ 1,007,000 | $ 503,500 | $ 0 |
| Barnstable, Massachusetts | 2 | $ 1,356,000 | $ 678,000 | $ 0 |
| Macomb, Michigan | 2 | $ 1,531,000 | $ 765,500 | $ 0 |
| Wayne, Michigan | 2 | $ 5,203,000 | $ 2,601,500 | $ 0 |
| Lafayette, Mississippi | 2 | $ 1,421,000 | $ 710,500 | $ 0 |
| New York, New York | 2 | $ 2,711,000 | $ 1,355,500 | $ 0 |
| Mecklenburg, North Carolina | 2 | $ 1,920,000 | $ 960,000 | $ 0 |
| Cuyahoga, Ohio | 2 | $ 2,773,000 | $ 1,386,500 | $ 0 |
| Fort Bend, Texas | 2 | $ 1,230,000 | $ 615,000 | $ 0 |
| Loudoun, Virginia | 2 | $ 1,899,000 | $ 949,500 | $ 0 |
| Baldwin, Alabama | 1 | $ 899,000 | $ 899,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 899,000 | $ 899,000 | $ 0 |
| Pima, Arizona | 1 | $ 696,000 | $ 696,000 | $ 0 |
| Pinal, Arizona | 1 | $ 483,000 | $ 483,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 791,000 | $ 791,000 | $ 0 |
| Washington, Arkansas | 1 | $ 1,115,000 | $ 1,115,000 | $ 0 |
| Contra Costa, California | 1 | $ 751,000 | $ 751,000 | $ 0 |
| Placer, California | 1 | $ 960,000 | $ 960,000 | $ 0 |
| Riverside, California | 1 | $ 441,000 | $ 441,000 | $ 0 |
| Santa Cruz, California | 1 | $ 724,000 | $ 724,000 | $ 0 |
| Boulder, Colorado | 1 | $ 839,000 | $ 839,000 | $ 0 |
| Denver, Colorado | 1 | $ 787,000 | $ 787,000 | $ 0 |
| Eagle, Colorado | 1 | $ 610,000 | $ 610,000 | $ 0 |
| El Paso, Colorado | 1 | $ 643,000 | $ 643,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 675,000 | $ 675,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Clay, Florida | 1 | $ 129,000 | $ 129,000 | $ 50,000 |
| Escambia, Florida | 1 | $ 474,000 | $ 474,000 | $ 0 |
| Indian River, Florida | 1 | $ 613,000 | $ 613,000 | $ 0 |
| Lee, Florida | 1 | $ 238,000 | $ 238,000 | $ 172,000 |
| Leon, Florida | 1 | $ 1,185,000 | $ 1,185,000 | $ 0 |
| Osceola, Florida | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| St. Johns, Florida | 1 | $ 535,000 | $ 535,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 214,000 | $ 214,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 473,000 | $ 473,000 | $ 0 |
| Greene, Georgia | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Porter, Indiana | 1 | $ 517,000 | $ 517,000 | $ 0 |
| Scott, Iowa | 1 | $ 1,118,000 | $ 1,118,000 | $ 0 |
| Johnson, Kansas | 1 | $ 908,000 | $ 908,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Worcester, Maryland | 1 | $ 582,000 | $ 582,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 551,000 | $ 551,000 | $ 0 |
| Genesee, Michigan | 1 | $ 2,625,000 | $ 2,625,000 | $ 0 |
| Mackinac, Michigan | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Oakland, Michigan | 1 | $ 800,000 | $ 800,000 | $ 0 |
| St. Clair, Michigan | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Flathead, Montana | 1 | $ 1,070,000 | $ 1,070,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 777,000 | $ 777,000 | $ 0 |
| Union, New Jersey | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Dutchess, New York | 1 | $ 1,430,000 | $ 1,430,000 | $ 0 |
| Kings, New York | 1 | $ 712,000 | $ 712,000 | $ 0 |
| Niagara, New York | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Ontario, New York | 1 | $ 407,000 | $ 407,000 | $ 0 |
| Westchester, New York | 1 | $ 422,000 | $ 422,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 682,000 | $ 682,000 | $ 0 |
| Montgomery, North Carolina | 1 | $ 1,862,000 | $ 1,862,000 | $ 0 |
| Franklin, Ohio | 1 | $ 1,440,000 | $ 1,440,000 | $ 0 |
| Oklahoma, Oklahoma | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 581,000 | $ 581,000 | $ 0 |
| Lane, Oregon | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 897,000 | $ 897,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Spartanburg, South Carolina | 1 | $ 959,000 | $ 959,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 562,000 | $ 562,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Bexar, Texas | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Denton, Texas | 1 | $ 861,000 | $ 861,000 | $ 0 |
| Johnson, Texas | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Kendall, Texas | 1 | $ 744,000 | $ 744,000 | $ 0 |
| Lubbock, Texas | 1 | $ 571,000 | $ 571,000 | $ 0 |
| Montgomery, Texas | 1 | $ 481,000 | $ 481,000 | $ 0 |
| Nueces, Texas | 1 | $ 542,000 | $ 542,000 | $ 0 |
| Summit, Utah | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Washington, Utah | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Windham, Vermont | 1 | $ 556,000 | $ 556,000 | $ 0 |
| Arlington, Virginia | 1 | $ 1,416,000 | $ 1,416,000 | $ 0 |
| Henrico, Virginia | 1 | $ 859,000 | $ 859,000 | $ 0 |
| Prince William, Virginia | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Pierce, Washington | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Laramie, Wyoming | 1 | $ 557,000 | $ 557,000 | $ 0 |
Mortgage Loan Application Detail Totals for Homebanc, N.A. in 2014
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 | 294 | $157,538,000 | $535,000 | $2,625,000 | $57,000 | $1,463,000 |
| Refinancing | 169 | $148,662,000 | $879,000 | $5,000,000 | $7,000 | $332,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 320 | $272,807,000 | $852,000 | $5,000,000 | $0 | $0 |
| White | 106 | $25,488,000 | $240,000 | $1,080,000 | $143,000 | $1,463,000 |
| Not Provided | 13 | $2,135,000 | $164,000 | $309,000 | $91,000 | $200,000 |
| Black or African American | 10 | $2,178,000 | $217,000 | $417,000 | $83,000 | $120,000 |
| Hispanic | 9 | $2,580,000 | $286,000 | $952,000 | $63,000 | $120,000 |
| Asian | 5 | $1,012,000 | $202,000 | $280,000 | $93,000 | $176,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 422 | $298,202,000 | $706,000 | $5,000,000 | $36,000 | $1,463,000 |
| FHA-insured (Federal Housing Administration) | 21 | $4,064,000 | $193,000 | $298,000 | $74,000 | $184,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,584,000 | $234,000 | $417,000 | $81,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,350,000 | $150,000 | $216,000 | $48,000 | $73,000 |
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 Purchased By The Institution | 293 | $217,694,000 | $742,000 | $2,346,000 | $0 | $0 |
| Loan Originated | 125 | $48,040,000 | $384,000 | $4,000,000 | $123,000 | $1,463,000 |
| Application Denied By Financial Institution | 24 | $19,293,000 | $803,000 | $4,620,000 | $79,000 | $516,000 |
| Application Withdrawn By Applicant | 14 | $12,431,000 | $887,000 | $5,000,000 | $60,000 | $187,000 |
| Application Approved But Not Accepted | 6 | $8,528,000 | $1,421,000 | $4,030,000 | $20,000 | $61,000 |
| File Closed For Incompleteness | 1 | $214,000 | $214,000 | $214,000 | $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 | 10 | $7,951,000 | $795,000 | $4,620,000 | $50,000 | $160,000 |
| Other | 4 | $5,398,000 | $1,349,000 | $4,000,000 | $65,000 | $200,000 |
| Debt-To-Income Ratio | 4 | $932,000 | $233,000 | $417,000 | $162,000 | $516,000 |
| Credit History | 3 | $3,200,000 | $1,066,000 | $1,723,000 | $75,000 | $226,000 |
| Unverifiable Information | 2 | $762,000 | $381,000 | $508,000 | $140,000 | $240,000 |
| Credit Application Incomplete | 1 | $1,050,000 | $1,050,000 | $1,050,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homebanc, N.A.'s 2014 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 Homebanc, 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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