Homebanc, N.A. Mortgage Lending & HMDA Data, 2010
In 2010, Homebanc, N.A. of Lake Mary, FL reported 2,674 mortgage applications totaling $405.7 million, up 132% from 2009. The average application was for $151,714, and applicants reported an average income of $79,171. 78% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (1,356), Orlando-Kissimmee-Sanford, FL (368) and Lakeland-Winter Haven, FL (348) (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 | 2,674 |
| Total Mortgage Loan Application Amount | $405,685,000 |
| Average Mortgage Loan Application Amount | $151,714 |
| Highest Mortgage Loan Application Amount | $1,155,000 |
| Average Applicant Income | $79,171 |
| Highest Applicant Income | $1,711,000 |
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Act (HMDA) records Homebanc, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 1,356 | $ 217,854,000 | $ 160,659 | $ 83,000 |
| Orlando-Kissimmee-Sanford, FL | 368 | $ 50,123,000 | $ 136,203 | $ 61,000 |
| Lakeland-Winter Haven, FL | 348 | $ 41,206,000 | $ 118,408 | $ 61,000 |
| Gainesville, FL | 218 | $ 36,055,000 | $ 165,389 | $ 81,000 |
| Cape Coral-Fort Myers, FL | 103 | $ 12,505,000 | $ 121,407 | $ 92,000 |
| Naples-Marco Island, FL | 61 | $ 12,843,000 | $ 210,540 | $ 111,000 |
| North Port-Bradenton-Sarasota, FL | 57 | $ 9,609,000 | $ 168,578 | $ 125,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 31 | $ 3,048,000 | $ 98,322 | $ 50,000 |
| Miami-Miami Beach-Kendall, FL | 27 | $ 4,732,000 | $ 175,259 | $ 79,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 2,505,000 | $ 192,692 | $ 89,000 |
| Ocala, FL | 9 | $ 1,271,000 | $ 141,222 | $ 87,000 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 1,895,000 | $ 270,714 | $ 131,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 930,000 | $ 132,857 | $ 111,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,906,000 | $ 272,285 | $ 215,000 |
| Punta Gorda, FL | 6 | $ 385,000 | $ 64,166 | $ 61,000 |
| Jacksonville, FL | 4 | $ 629,000 | $ 157,250 | $ 74,000 |
| Greensboro-High Point, NC | 3 | $ 556,000 | $ 185,333 | $ 96,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 393,000 | $ 196,500 | $ 104,000 |
| Athens-Clarke County, GA | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 333,000 | $ 333,000 | $ 183,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 40,000 | $ 40,000 | $ 39,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 331,000 | $ 331,000 | $ 133,000 |
| Palm Coast, FL | 1 | $ 300,000 | $ 300,000 | $ 307,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 255,000 | $ 255,000 | $ 137,000 |
| Port St. Lucie, FL | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Raleigh-Cary, NC | 1 | $ 337,000 | $ 337,000 | $ 106,000 |
| Tallahassee, FL | 1 | $ 160,000 | $ 160,000 | $ 39,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 221,000 | $ 221,000 | $ 166,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 140,000 | $ 140,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for Homebanc, N.A. in 2010
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 | 2,336 | $336,433,000 | $144,000 | $1,155,000 | $75,000 | $1,711,000 |
| Refinancing | 338 | $69,252,000 | $204,000 | $1,099,000 | $108,000 | $706,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 1,708 | $278,449,000 | $163,000 | $1,155,000 | $88,000 | $1,483,000 |
| Hispanic | 513 | $61,108,000 | $119,000 | $540,000 | $51,000 | $463,000 |
| Black or African American | 201 | $26,582,000 | $132,000 | $373,000 | $49,000 | $341,000 |
| Not Provided | 151 | $25,233,000 | $167,000 | $850,000 | $115,000 | $1,711,000 |
| Asian | 87 | $12,739,000 | $146,000 | $385,000 | $82,000 | $391,000 |
| American Indian or Alaskan Native | 7 | $787,000 | $112,000 | $214,000 | $45,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $787,000 | $112,000 | $156,000 | $44,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,224 | $161,490,000 | $131,000 | $504,000 | $53,000 | $1,483,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,108 | $191,057,000 | $172,000 | $1,155,000 | $117,000 | $1,711,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 186 | $24,079,000 | $129,000 | $259,000 | $43,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 156 | $29,059,000 | $186,000 | $483,000 | $63,000 | $319,000 |
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 | 2,093 | $317,774,000 | $151,000 | $1,000,000 | $78,000 | $875,000 |
| Application Denied By Financial Institution | 546 | $83,004,000 | $152,000 | $1,155,000 | $85,000 | $1,711,000 |
| Application Approved But Not Accepted | 18 | $2,246,000 | $124,000 | $260,000 | $54,000 | $121,000 |
| Application Withdrawn By Applicant | 16 | $2,432,000 | $152,000 | $379,000 | $93,000 | $272,000 |
| File Closed For Incompleteness | 1 | $229,000 | $229,000 | $229,000 | $49,000 | $49,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 238 | $36,128,000 | $151,000 | $1,155,000 | $97,000 | $1,483,000 |
| Collateral | 80 | $15,715,000 | $196,000 | $1,099,000 | $117,000 | $1,711,000 |
| Debt-To-Income Ratio | 75 | $10,584,000 | $141,000 | $417,000 | $52,000 | $525,000 |
| Other | 68 | $10,481,000 | $154,000 | $417,000 | $84,000 | $621,000 |
| Credit History | 48 | $5,654,000 | $117,000 | $417,000 | $57,000 | $315,000 |
| Unverifiable Information | 15 | $1,986,000 | $132,000 | $296,000 | $54,000 | $198,000 |
| Employment History | 14 | $1,530,000 | $109,000 | $185,000 | $46,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $487,000 | $81,000 | $127,000 | $31,000 | $43,000 |
| Mortgage Insurance Denied | 2 | $439,000 | $219,000 | $337,000 | $120,000 | $135,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homebanc, N.A.'s 2010 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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