Interamerican Bank, A FSB Mortgage Lending & HMDA Data, 2013
In 2013, Interamerican Bank, A FSB of Miami, FL reported 109 mortgage applications totaling $22.4 million, up 56% from 2012. The average application was for $205,477, and applicants reported an average income of $138,697. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (99), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (8) and Palm Bay-Melbourne-Titusville, FL (1) (applications in parentheses).
| Mortgage Company & Address | Interamerican Bank, A FSB 9190 Sw 24 Street Miami, FL 33165 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 109 |
| Total Mortgage Loan Application Amount | $22,397,000 |
| Average Mortgage Loan Application Amount | $205,477 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $138,697 |
| Highest Applicant Income | $1,311,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Interamerican Bank, A FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Miami-Dade, Florida | 99 | $ 20,559,000 | $ 207,666 | $ 140,000 |
| Broward, Florida | 8 | $ 1,490,000 | $ 186,250 | $ 81,000 |
| Brevard, Florida | 1 | $ 56,000 | $ 56,000 | $ 45,000 |
| Monroe, Florida | 1 | $ 292,000 | $ 292,000 | $ 519,000 |
Mortgage Loan Application Detail Totals for Interamerican Bank, A FSB in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 67 | $12,366,000 | $184,000 | $698,000 | $136,000 | $519,000 |
| Home Purchase | 42 | $10,031,000 | $238,000 | $2,000,000 | $143,000 | $1,311,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 103 | $21,164,000 | $205,000 | $2,000,000 | $143,000 | $1,311,000 |
| White | 3 | $671,000 | $223,000 | $275,000 | $129,000 | $147,000 |
| Not Provided | 2 | $212,000 | $106,000 | $135,000 | $0 | $0 |
| Not applicable | 1 | $350,000 | $350,000 | $350,000 | $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) | 109 | $22,397,000 | $205,000 | $2,000,000 | $139,000 | $1,311,000 |
| 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 | 73 | $15,996,000 | $219,000 | $2,000,000 | $154,000 | $1,311,000 |
| Application Denied By Financial Institution | 19 | $3,504,000 | $184,000 | $380,000 | $86,000 | $350,000 |
| Application Withdrawn By Applicant | 8 | $1,729,000 | $216,000 | $312,000 | $135,000 | $204,000 |
| File Closed For Incompleteness | 6 | $848,000 | $141,000 | $205,000 | $161,000 | $379,000 |
| Application Approved But Not Accepted | 3 | $320,000 | $106,000 | $168,000 | $59,000 | $114,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $1,597,000 | $177,000 | $300,000 | $58,000 | $121,000 |
| Credit History | 4 | $424,000 | $106,000 | $189,000 | $88,000 | $130,000 |
| Other | 3 | $720,000 | $240,000 | $380,000 | $71,000 | $78,000 |
| Collateral | 2 | $413,000 | $206,000 | $360,000 | $194,000 | $350,000 |
| Employment History | 1 | $350,000 | $350,000 | $350,000 | $171,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Interamerican Bank, A FSB's 2013 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 Interamerican Bank, A FSB'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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