Kislak National Bank Mortgage Lending & HMDA Data, 2004
In 2004, Kislak National Bank of Miami Lakes, FL reported 1,957 mortgage applications totaling $416.9 million, up 22% from 2003. The average application was for $213,030, and applicants reported an average income of $13,186. 11% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (329), New York-Wayne-White Plains, NY-NJ (188) and Miami-Miami Beach-Kendall, FL (169) (applications in parentheses).
| Mortgage Company & Address | Kislak National Bank 7900 Miami Lkaes Dr West Miami Lakes, FL 33016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 1,957 |
| Total Mortgage Loan Application Amount | $416,900,000 |
| Average Mortgage Loan Application Amount | $213,030 |
| Highest Mortgage Loan Application Amount | $1,491,000 |
| Average Applicant Income | $13,186 |
| Highest Applicant Income | $293,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kislak National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 329 | $ 66,529,000 | $ 202,215 | $ 0 |
| Miami-Dade, Florida | 169 | $ 29,732,000 | $ 175,928 | $ 48,000 |
| St. Lucie, Florida | 106 | $ 17,077,000 | $ 161,103 | $ 61,000 |
| Riverside, California | 101 | $ 24,060,000 | $ 238,217 | $ 20,000 |
| Queens, New York | 95 | $ 30,096,000 | $ 316,800 | $ 0 |
| Broward, Florida | 76 | $ 16,190,000 | $ 213,026 | $ 48,000 |
| Clark, Nevada | 73 | $ 13,376,000 | $ 183,232 | $ 24,000 |
| Maricopa, Arizona | 60 | $ 9,726,000 | $ 162,100 | $ 0 |
| Kings, New York | 55 | $ 16,865,000 | $ 306,636 | $ 0 |
| San Bernardino, California | 45 | $ 8,126,000 | $ 180,577 | $ 0 |
| San Diego, California | 41 | $ 11,612,000 | $ 283,219 | $ 0 |
| Palm Beach, Florida | 36 | $ 8,164,000 | $ 226,777 | $ 76,000 |
| Ventura, California | 35 | $ 12,406,000 | $ 354,457 | $ 0 |
| Suffolk, New York | 35 | $ 9,342,000 | $ 266,914 | $ 15,000 |
| Cook, Illinois | 32 | $ 2,657,000 | $ 83,031 | $ 0 |
| Kern, California | 31 | $ 3,260,000 | $ 105,161 | $ 0 |
| Yuba, California | 28 | $ 5,592,000 | $ 199,714 | $ 0 |
| Delaware, Ohio | 26 | $ 4,643,000 | $ 178,576 | $ 0 |
| Sacramento, California | 24 | $ 5,057,000 | $ 210,708 | $ 0 |
| Duval, Florida | 24 | $ 1,790,000 | $ 74,583 | $ 0 |
| Bergen, New Jersey | 24 | $ 5,205,000 | $ 216,875 | $ 28,000 |
| Fairfax, Virginia | 23 | $ 7,719,000 | $ 335,608 | $ 0 |
| Franklin, Ohio | 21 | $ 3,898,000 | $ 185,619 | $ 0 |
| Nassau, New York | 19 | $ 5,226,000 | $ 275,052 | $ 0 |
| Richmond, New York | 18 | $ 4,180,000 | $ 232,222 | $ 0 |
| Hillsborough, Florida | 16 | $ 2,592,000 | $ 162,000 | $ 0 |
| Bronx, New York | 15 | $ 4,493,000 | $ 299,533 | $ 0 |
| Orange, California | 14 | $ 7,082,000 | $ 505,857 | $ 0 |
| Orange, Florida | 13 | $ 3,128,000 | $ 240,615 | $ 43,000 |
| Essex, New Jersey | 13 | $ 3,570,000 | $ 274,615 | $ 11,000 |
| Honolulu, Hawaii | 12 | $ 5,609,000 | $ 467,416 | $ 0 |
| Atlantic, New Jersey | 12 | $ 2,005,000 | $ 167,083 | $ 15,000 |
| Mecklenburg, North Carolina | 12 | $ 1,318,000 | $ 109,833 | $ 0 |
| Cape May, New Jersey | 11 | $ 2,645,000 | $ 240,454 | $ 0 |
| Pinellas, Florida | 10 | $ 2,444,000 | $ 244,400 | $ 0 |
| Hudson, New Jersey | 10 | $ 2,097,000 | $ 209,700 | $ 0 |
| Loudoun, Virginia | 10 | $ 3,725,000 | $ 372,500 | $ 0 |
| Montgomery, Maryland | 9 | $ 2,646,000 | $ 294,000 | $ 0 |
| Passaic, New Jersey | 9 | $ 2,168,000 | $ 240,888 | $ 0 |
| Santa Barbara, California | 8 | $ 1,711,000 | $ 213,875 | $ 0 |
| Lee, Florida | 8 | $ 1,092,000 | $ 136,500 | $ 0 |
| Ocean, New Jersey | 7 | $ 1,608,000 | $ 229,714 | $ 0 |
| Prince William, Virginia | 7 | $ 2,081,000 | $ 297,285 | $ 0 |
| Salt Lake, Utah | 6 | $ 725,000 | $ 120,833 | $ 0 |
| Washington, Utah | 6 | $ 826,000 | $ 137,666 | $ 0 |
| Pima, Arizona | 5 | $ 627,000 | $ 125,400 | $ 119,000 |
| Will, Illinois | 5 | $ 453,000 | $ 90,600 | $ 0 |
| Burlington, New Jersey | 5 | $ 832,000 | $ 166,400 | $ 0 |
| Cumberland, New Jersey | 5 | $ 431,000 | $ 86,200 | $ 0 |
| Union, New Jersey | 5 | $ 983,000 | $ 196,600 | $ 0 |
| Orange, New York | 5 | $ 1,270,000 | $ 254,000 | $ 0 |
| Licking, Ohio | 5 | $ 800,000 | $ 160,000 | $ 0 |
| Stafford, Virginia | 5 | $ 1,025,000 | $ 205,000 | $ 0 |
| Pinal, Arizona | 4 | $ 264,000 | $ 66,000 | $ 0 |
| Gwinnett, Georgia | 4 | $ 498,000 | $ 124,500 | $ 0 |
| Baltimore, Maryland | 4 | $ 1,132,000 | $ 283,000 | $ 0 |
| Howard, Maryland | 4 | $ 1,504,000 | $ 376,000 | $ 0 |
| Camden, New Jersey | 4 | $ 756,000 | $ 189,000 | $ 0 |
| Monmouth, New Jersey | 4 | $ 782,000 | $ 195,500 | $ 0 |
| Westchester, New York | 4 | $ 1,156,000 | $ 289,000 | $ 0 |
| Davidson, Tennessee | 4 | $ 369,000 | $ 92,250 | $ 0 |
| Leon, Florida | 3 | $ 447,000 | $ 149,000 | $ 71,000 |
| Osceola, Florida | 3 | $ 397,000 | $ 132,333 | $ 0 |
| Anne Arundel, Maryland | 3 | $ 1,032,000 | $ 344,000 | $ 0 |
| Prince George's, Maryland | 3 | $ 1,101,000 | $ 367,000 | $ 0 |
| Middlesex, New Jersey | 3 | $ 1,067,000 | $ 355,666 | $ 0 |
| Morris, New Jersey | 3 | $ 910,000 | $ 303,333 | $ 0 |
| Iredell, North Carolina | 3 | $ 369,000 | $ 123,000 | $ 0 |
| Union, North Carolina | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Bucks, Pennsylvania | 3 | $ 527,000 | $ 175,666 | $ 0 |
| Berkeley, South Carolina | 3 | $ 336,000 | $ 112,000 | $ 0 |
| Richland, South Carolina | 3 | $ 201,000 | $ 67,000 | $ 0 |
| York, South Carolina | 3 | $ 269,000 | $ 89,666 | $ 0 |
| Alexandria, Virginia | 3 | $ 993,000 | $ 331,000 | $ 0 |
| Fresno, California | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Imperial, California | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Nevada, California | 2 | $ 581,000 | $ 290,500 | $ 0 |
| San Mateo, California | 2 | $ 732,000 | $ 366,000 | $ 0 |
| Santa Clara, California | 2 | $ 635,000 | $ 317,500 | $ 0 |
| Sutter, California | 2 | $ 207,000 | $ 103,500 | $ 0 |
| Denver, Colorado | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Hartford, Connecticut | 2 | $ 205,000 | $ 102,500 | $ 0 |
| Brevard, Florida | 2 | $ 159,000 | $ 79,500 | $ 0 |
| Collier, Florida | 2 | $ 435,000 | $ 217,500 | $ 44,000 |
| Lake, Florida | 2 | $ 275,000 | $ 137,500 | $ 0 |
| Seminole, Florida | 2 | $ 434,000 | $ 217,000 | $ 0 |
| St. Johns, Florida | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Volusia, Florida | 2 | $ 384,000 | $ 192,000 | $ 0 |
| DuPage, Illinois | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Jefferson, Kentucky | 2 | $ 377,000 | $ 188,500 | $ 0 |
| Charles, Maryland | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Frederick, Maryland | 2 | $ 457,000 | $ 228,500 | $ 0 |
| Mercer, New Jersey | 2 | $ 306,000 | $ 153,000 | $ 0 |
| Sussex, New Jersey | 2 | $ 298,000 | $ 149,000 | $ 0 |
| Wake, North Carolina | 2 | $ 117,000 | $ 58,500 | $ 0 |
| Montgomery, Ohio | 2 | $ 125,000 | $ 62,500 | $ 0 |
| Summit, Ohio | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Union, Ohio | 2 | $ 353,000 | $ 176,500 | $ 0 |
| Montgomery, Pennsylvania | 2 | $ 298,000 | $ 149,000 | $ 0 |
| Charleston, South Carolina | 2 | $ 206,000 | $ 103,000 | $ 0 |
| Dorchester, South Carolina | 2 | $ 239,000 | $ 119,500 | $ 0 |
| Maury, Tennessee | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Davis, Utah | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Weber, Utah | 2 | $ 124,000 | $ 62,000 | $ 0 |
| Albemarle, Virginia | 2 | $ 408,000 | $ 204,000 | $ 0 |
| Richmond City, Virginia | 2 | $ 715,000 | $ 357,500 | $ 0 |
| Virginia Beach, Virginia | 2 | $ 765,000 | $ 382,500 | $ 0 |
| Lake, California | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Tulare, California | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Larimer, Colorado | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Fairfield, Connecticut | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Litchfield, Connecticut | 1 | $ 176,000 | $ 176,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Highlands, Florida | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Chatham, Georgia | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Henry, Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Kane, Illinois | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Calvert, Maryland | 1 | $ 262,000 | $ 262,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Hampden, Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| St. Charles, Missouri | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Gloucester, New Jersey | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Salem, New Jersey | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Clinton, New York | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Oneida, New York | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Onondaga, New York | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Rockland, New York | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Sullivan, New York | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Ulster, New York | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Washington, New York | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Davidson, North Carolina | 1 | $ 182,000 | $ 182,000 | $ 53,000 |
| Gaston, North Carolina | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Fairfield, Ohio | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Warren, Ohio | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Linn, Oregon | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Crawford, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 69,000 |
| Horry, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Sullivan, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Tarrant, Texas | 1 | $ 60,000 | $ 60,000 | $ 42,000 |
| Fairfax City, Virginia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Fauquier, Virginia | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Fluvanna, Virginia | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Franklin, Virginia | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Henrico, Virginia | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Orange, Virginia | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Portsmouth, Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Spotsylvania, Virginia | 1 | $ 228,000 | $ 228,000 | $ 0 |
Mortgage Loan Application Detail Totals for Kislak National Bank in 2004
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 | 1,660 | $347,284,000 | $197,565 | $1,491,000 | $7,043 | $293,000 |
| Refinancing | 296 | $69,575,000 | $223,200 | $660,000 | $9,866 | $242,000 |
| Home Improvement | 1 | $41,000 | $41,000 | $41,000 | $66,000 | $66,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,717 | $373,068,000 | $205,625 | $1,491,000 | $0 | $0 |
| White | 138 | $26,529,000 | $196,125 | $1,238,000 | $98,000 | $293,000 |
| Hispanic | 66 | $11,555,000 | $147,666 | $542,000 | $58,333 | $240,000 |
| Black or African American | 22 | $3,247,000 | $124,500 | $268,000 | $67,500 | $130,000 |
| Asian | 8 | $1,393,000 | $174,000 | $262,000 | $68,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $667,000 | $222,333 | $335,000 | $18,000 | $54,000 |
| Not Provided | 3 | $441,000 | $147,000 | $175,000 | $78,000 | $96,000 |
| American Indian or Alaskan Native | 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) | 1,912 | $405,040,000 | $198,560 | $1,491,000 | $9,120 | $293,000 |
| FHA-insured (Federal Housing Administration) | 45 | $11,860,000 | $226,000 | $416,000 | $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 | 1,717 | $372,450,000 | $205,458 | $1,491,000 | $0 | $0 |
| Loan Originated | 215 | $39,904,000 | $172,500 | $1,238,000 | $87,100 | $293,000 |
| Application Withdrawn By Applicant | 20 | $3,655,000 | $190,500 | $262,000 | $70,000 | $137,000 |
| Application Denied By Financial Institution | 4 | $718,000 | $179,000 | $244,000 | $62,000 | $96,000 |
| Application Approved But Not Accepted | 1 | $173,000 | $173,000 | $173,000 | $96,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $388,000 | $194,000 | $244,000 | $48,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $330,000 | $165,000 | $202,000 | $76,000 | $90,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kislak National Bank's 2004 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 Kislak National Bank'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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