Interamerican Bank, A FSB Mortgage Lending & HMDA Data, 2011
In 2011, Interamerican Bank, A FSB of Miami, FL reported 55 mortgage applications totaling $12.2 million. The average application was for $221,163, and applicants reported an average income of $134,490. 60% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (36), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (5) and Palm Bay-Melbourne-Titusville, FL (2) (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 | 55 |
| Total Mortgage Loan Application Amount | $12,164,000 |
| Average Mortgage Loan Application Amount | $221,163 |
| Highest Mortgage Loan Application Amount | $742,000 |
| Average Applicant Income | $134,490 |
| Highest Applicant Income | $714,000 |
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records Interamerican Bank, A FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Miami-Miami Beach-Kendall, FL | 36 | $ 7,967,000 | $ 221,305 | $ 126,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,351,000 | $ 270,200 | $ 95,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 76,000 | $ 38,000 | $ 114,000 |
| Port St. Lucie, FL | 2 | $ 734,000 | $ 367,000 | $ 713,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 410,000 | $ 410,000 | $ 183,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 238,000 | $ 238,000 | $ 0 |
Mortgage Loan Application Detail Totals for Interamerican Bank, A FSB in 2011
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 | 30 | $7,816,000 | $260,000 | $742,000 | $108,000 | $400,000 |
| Refinancing | 24 | $4,181,000 | $174,000 | $450,000 | $172,000 | $714,000 |
| Home Improvement | 1 | $167,000 | $167,000 | $167,000 | $29,000 | $29,000 |
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 | 45 | $9,602,000 | $213,000 | $742,000 | $151,000 | $714,000 |
| White | 6 | $1,049,000 | $174,000 | $410,000 | $101,000 | $183,000 |
| Not applicable | 3 | $1,275,000 | $425,000 | $660,000 | $0 | $0 |
| Not Provided | 1 | $238,000 | $238,000 | $238,000 | $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) | 55 | $12,164,000 | $221,000 | $742,000 | $135,000 | $714,000 |
| 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 | 33 | $7,821,000 | $237,000 | $742,000 | $166,000 | $714,000 |
| Application Denied By Financial Institution | 12 | $2,301,000 | $191,000 | $450,000 | $106,000 | $713,000 |
| Application Withdrawn By Applicant | 5 | $571,000 | $114,000 | $148,000 | $77,000 | $153,000 |
| File Closed For Incompleteness | 3 | $856,000 | $285,000 | $640,000 | $83,000 | $122,000 |
| Application Approved But Not Accepted | 2 | $615,000 | $307,000 | $315,000 | $0 | $0 |
| 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 History | 7 | $1,516,000 | $216,000 | $450,000 | $146,000 | $713,000 |
| Debt-To-Income Ratio | 5 | $785,000 | $157,000 | $408,000 | $51,000 | $152,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Interamerican Bank, A FSB's 2011 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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