Homebanc, N.A. Mortgage Lending & HMDA Data, 2015
In 2015, Homebanc, N.A. of Lake Mary, FL reported 489 mortgage applications totaling $358.7 million, up 6% from 2014. The average application was for $733,468, and applicants reported an average income of $0. 9% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (41), Tampa-St. Petersburg-Clearwater, FL (35) and Los Angeles-Long Beach-Glendale, CA (27) (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 | 489 |
| Total Mortgage Loan Application Amount | $358,666,000 |
| Average Mortgage Loan Application Amount | $733,468 |
| Highest Mortgage Loan Application Amount | $5,400,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
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Act (HMDA) records Homebanc, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Seattle-Bellevue-Everett, WA | 41 | $ 27,000,000 | $ 658,536 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 35 | $ 11,342,000 | $ 324,057 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 27 | $ 20,385,000 | $ 755,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 23 | $ 19,424,000 | $ 844,521 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 21 | $ 17,074,000 | $ 813,047 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 14,041,000 | $ 780,055 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 17 | $ 14,259,000 | $ 838,764 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 17 | $ 12,270,000 | $ 721,764 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 9,059,000 | $ 647,071 | $ 0 |
| San Diego-Carlsbad, CA | 14 | $ 9,048,000 | $ 646,285 | $ 0 |
| Austin-Round Rock, TX | 12 | $ 9,699,000 | $ 808,250 | $ 0 |
| Dallas-Plano-Irving, TX | 12 | $ 8,316,000 | $ 693,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 11 | $ 8,242,000 | $ 749,272 | $ 0 |
| Denver-Aurora-Lakewood, CO | 9 | $ 7,395,000 | $ 821,666 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 5,912,000 | $ 656,888 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 5,469,000 | $ 607,666 | $ 0 |
| Cambridge-Newton-Framingham, MA | 8 | $ 5,743,000 | $ 717,875 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 8 | $ 5,125,000 | $ 640,625 | $ 0 |
| Baltimore-Columbia-Towson, MD | 7 | $ 4,451,000 | $ 635,857 | $ 0 |
| Nassau County-Suffolk County, NY | 6 | $ 4,149,000 | $ 691,500 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 4,129,000 | $ 688,166 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 6 | $ 5,940,000 | $ 990,000 | $ 0 |
| Columbus, OH | 5 | $ 5,269,000 | $ 1,053,800 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 3,827,000 | $ 765,400 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 3,620,000 | $ 724,000 | $ 0 |
| San Antonio-New Braunfels, TX | 5 | $ 2,700,000 | $ 540,000 | $ 0 |
| San Rafael, CA | 5 | $ 3,243,000 | $ 648,600 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 2,327,000 | $ 581,750 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 2,916,000 | $ 729,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 2,286,000 | $ 571,500 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 3,946,000 | $ 986,500 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 2,927,000 | $ 731,750 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 5,877,000 | $ 1,469,250 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 2,751,000 | $ 687,750 | $ 0 |
| Cleveland-Elyria, OH | 3 | $ 3,010,000 | $ 1,003,333 | $ 0 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,377,000 | $ 459,000 | $ 0 |
| Manchester-Nashua, NH | 3 | $ 1,320,000 | $ 440,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,855,000 | $ 618,333 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,562,000 | $ 520,666 | $ 0 |
| Santa Rosa, CA | 3 | $ 2,291,000 | $ 763,666 | $ 0 |
| Vallejo-Fairfield, CA | 3 | $ 1,743,000 | $ 581,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,983,000 | $ 661,000 | $ 0 |
| Ann Arbor, MI | 2 | $ 3,950,000 | $ 1,975,000 | $ 0 |
| Boise City, ID | 2 | $ 962,000 | $ 481,000 | $ 0 |
| Bremerton-Silverdale, WA | 2 | $ 970,000 | $ 485,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,238,000 | $ 619,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 2,196,000 | $ 1,098,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 1,465,000 | $ 732,500 | $ 0 |
| Eugene, OR | 2 | $ 1,143,000 | $ 571,500 | $ 0 |
| Gainesville, FL | 2 | $ 4,505,000 | $ 2,252,500 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 958,000 | $ 479,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 1,078,000 | $ 539,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 1,386,000 | $ 693,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,139,000 | $ 569,500 | $ 0 |
| Newark, NJ-PA | 2 | $ 1,695,000 | $ 847,500 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 1,462,000 | $ 731,000 | $ 0 |
| Philadelphia, PA | 2 | $ 975,000 | $ 487,500 | $ 0 |
| Providence-Warwick, RI-MA | 2 | $ 1,910,000 | $ 955,000 | $ 0 |
| Salt Lake City, UT | 2 | $ 1,820,000 | $ 910,000 | $ 0 |
| Tucson, AZ | 2 | $ 939,000 | $ 469,500 | $ 0 |
| Barnstable Town, MA | 1 | $ 689,000 | $ 689,000 | $ 0 |
| Bellingham, WA | 1 | $ 1,011,000 | $ 1,011,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 870,000 | $ 870,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 451,000 | $ 451,000 | $ 0 |
| Boston, MA | 1 | $ 1,186,000 | $ 1,186,000 | $ 0 |
| Boulder, CO | 1 | $ 709,000 | $ 709,000 | $ 0 |
| Camden, NJ | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 573,000 | $ 573,000 | $ 0 |
| Charlottesville, VA | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 1,905,000 | $ 1,905,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 2,150,000 | $ 2,150,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 467,000 | $ 467,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 507,000 | $ 507,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 683,000 | $ 683,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 490,000 | $ 490,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 2,600,000 | $ 2,600,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 496,000 | $ 496,000 | $ 0 |
| Missoula, MT | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Ocala, FL | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 1,080,000 | $ 1,080,000 | $ 0 |
| Prescott, AZ | 1 | $ 473,000 | $ 473,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 3,500,000 | $ 3,500,000 | $ 0 |
| Raleigh, NC | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Richmond, VA | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Roanoke, VA | 1 | $ 679,000 | $ 679,000 | $ 0 |
| Rochester, NY | 1 | $ 688,000 | $ 688,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 759,000 | $ 759,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 613,000 | $ 613,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 999,000 | $ 999,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 641,000 | $ 641,000 | $ 0 |
| Spokane-Spokane Valley, WA | 1 | $ 727,000 | $ 727,000 | $ 0 |
| St. George, UT | 1 | $ 639,000 | $ 639,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 899,000 | $ 899,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 607,000 | $ 607,000 | $ 0 |
Mortgage Loan Application Detail Totals for Homebanc, N.A. 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 | 251 | $190,325,000 | $758,000 | $5,400,000 | $0 | $0 |
| Refinancing | 229 | $162,478,000 | $709,000 | $3,550,000 | $0 | $0 |
| Home Improvement | 9 | $5,863,000 | $651,000 | $1,233,000 | $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 | 483 | $354,776,000 | $734,000 | $5,400,000 | $0 | $0 |
| Hispanic | 4 | $1,450,000 | $362,000 | $363,000 | $0 | $0 |
| Not Provided | 2 | $2,440,000 | $1,220,000 | $1,725,000 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 489 | $358,666,000 | $733,000 | $5,400,000 | $0 | $0 |
| 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 Purchased By The Institution | 432 | $301,429,000 | $697,000 | $1,577,000 | $0 | $0 |
| Loan Originated | 46 | $40,457,000 | $879,000 | $4,696,000 | $0 | $0 |
| Application Approved But Not Accepted | 4 | $1,450,000 | $362,000 | $363,000 | $0 | $0 |
| Application Withdrawn By Applicant | 4 | $6,390,000 | $1,597,000 | $2,550,000 | $0 | $0 |
| Application Denied By Financial Institution | 3 | $8,940,000 | $2,980,000 | $5,400,000 | $0 | $0 |
| File Closed For Incompleteness | 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 History | 1 | $5,400,000 | $5,400,000 | $5,400,000 | $0 | $0 |
| Collateral | 1 | $2,520,000 | $2,520,000 | $2,520,000 | $0 | $0 |
| Other | 1 | $1,020,000 | $1,020,000 | $1,020,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $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 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 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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