Lydian Private Bank Mortgage Lending & HMDA Data, 2003

In 2003, Lydian Private Bank of Palm Beach Gardens, FL reported 8,361 mortgage applications totaling $3.7 billion. The average application was for $439,293, and applicants reported an average income of $184,549. 42% of its applications resulted in an originated loan and 20% were denied. Its largest markets were West Palm Beach-Boca Raton, FL (613), Boston, MA-NH (548) and Chicago, IL (436) (applications in parentheses).

Mortgage Company & Address Lydian Private Bank
3801 Pga Blvd Suite 700
Palm Beach Gardens, FL 33410
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 8,361
Total Mortgage Loan Application Amount $3,672,929,000
Average Mortgage Loan Application Amount $439,293
Highest Mortgage Loan Application Amount $8,750,000
Average Applicant Income $184,549
Highest Applicant Income $8,920,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Lydian Private Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Palm Beach, Florida 613 $ 230,779,000 $ 376,474 $ 187,000
Los Angeles, California 404 $ 206,608,000 $ 511,405 $ 168,000
Maricopa, Arizona 350 $ 172,734,000 $ 493,525 $ 182,000
Cook, Illinois 269 $ 113,359,000 $ 421,408 $ 190,000
Middlesex, Massachusetts 267 $ 103,058,000 $ 385,985 $ 137,000
San Diego, California 244 $ 119,306,000 $ 488,959 $ 160,000
Orange, California 208 $ 132,174,000 $ 635,451 $ 249,000
Fairfax, Virginia 188 $ 76,211,000 $ 405,377 $ 147,000
King, Washington 161 $ 60,571,000 $ 376,217 $ 177,000
Broward, Florida 158 $ 70,561,000 $ 446,588 $ 192,000
Santa Clara, California 156 $ 88,826,000 $ 569,397 $ 211,000
Fairfield, Connecticut 144 $ 84,150,000 $ 584,375 $ 228,000
Montgomery, Maryland 139 $ 53,021,000 $ 381,446 $ 139,000
Oakland, Michigan 137 $ 84,268,000 $ 615,094 $ 208,000
Norfolk, Massachusetts 127 $ 47,723,000 $ 375,771 $ 144,000
Contra Costa, California 97 $ 53,849,000 $ 555,144 $ 190,000
Miami-Dade, Florida 91 $ 45,801,000 $ 503,307 $ 246,000
San Mateo, California 87 $ 42,228,000 $ 485,379 $ 165,000
Alameda, California 86 $ 36,916,000 $ 429,255 $ 133,000
Essex, Massachusetts 85 $ 32,380,000 $ 380,941 $ 194,000
Westchester, New York 85 $ 39,755,000 $ 467,705 $ 222,000
San Francisco, California 83 $ 56,498,000 $ 680,698 $ 239,000
Clark, Nevada 78 $ 34,956,000 $ 448,153 $ 188,000
Lee, Florida 74 $ 35,574,000 $ 480,729 $ 285,000
Lake, Illinois 74 $ 35,796,000 $ 483,729 $ 165,000
Bergen, New Jersey 72 $ 36,456,000 $ 506,333 $ 321,000
Ventura, California 71 $ 31,807,000 $ 447,985 $ 135,000
Nassau, New York 71 $ 32,447,000 $ 457,000 $ 196,000
Montgomery, Pennsylvania 66 $ 27,160,000 $ 411,515 $ 178,000
Suffolk, Massachusetts 61 $ 27,283,000 $ 447,262 $ 167,000
Worcester, Massachusetts 59 $ 17,869,000 $ 302,864 $ 120,000
Suffolk, New York 59 $ 31,948,000 $ 541,491 $ 233,000
Chester, Pennsylvania 59 $ 29,991,000 $ 508,322 $ 218,000
Loudoun, Virginia 54 $ 20,350,000 $ 376,851 $ 119,000
Collier, Florida 53 $ 42,454,000 $ 801,018 $ 374,000
Riverside, California 51 $ 16,166,000 $ 316,980 $ 177,000
Morris, New Jersey 51 $ 23,185,000 $ 454,607 $ 172,000
Martin, Florida 48 $ 28,791,000 $ 599,812 $ 256,000
DuPage, Illinois 47 $ 19,020,000 $ 404,680 $ 213,000
Monroe, Florida 44 $ 26,072,000 $ 592,545 $ 304,000
New Castle, Delaware 42 $ 14,250,000 $ 339,285 $ 142,000
Plymouth, Massachusetts 41 $ 18,941,000 $ 461,975 $ 209,000
Kings, New York 40 $ 21,888,000 $ 547,200 $ 168,000
Bucks, Pennsylvania 39 $ 13,899,000 $ 356,384 $ 148,000
Marin, California 37 $ 24,751,000 $ 668,945 $ 202,000
Anne Arundel, Maryland 36 $ 15,160,000 $ 421,111 $ 214,000
New York, New York 35 $ 25,290,000 $ 722,571 $ 355,000
New Haven, Connecticut 33 $ 9,447,000 $ 286,272 $ 140,000
Wayne, Michigan 33 $ 12,040,000 $ 364,848 $ 102,000
Boulder, Colorado 32 $ 15,441,000 $ 482,531 $ 164,000
Somerset, New Jersey 32 $ 12,816,000 $ 400,500 $ 160,000
Delaware, Pennsylvania 32 $ 13,679,000 $ 427,468 $ 226,000
Queens, New York 31 $ 10,833,000 $ 349,451 $ 142,000
Sarasota, Florida 30 $ 25,318,000 $ 843,933 $ 294,000
Barnstable, Massachusetts 30 $ 15,692,000 $ 523,066 $ 183,000
Essex, New Jersey 30 $ 12,175,000 $ 405,833 $ 147,000
Cuyahoga, Ohio 30 $ 10,158,000 $ 338,600 $ 122,000
Prince William, Virginia 30 $ 9,806,000 $ 326,866 $ 105,000
Santa Barbara, California 28 $ 24,555,000 $ 876,964 $ 307,000
Solano, California 28 $ 8,293,000 $ 296,178 $ 112,000
Bristol, Massachusetts 28 $ 7,302,000 $ 260,785 $ 112,000
Middlesex, New Jersey 28 $ 9,491,000 $ 338,964 $ 218,000
Monmouth, New Jersey 28 $ 14,770,000 $ 527,500 $ 202,000
Pima, Arizona 27 $ 9,274,000 $ 343,481 $ 141,000
San Bernardino, California 27 $ 8,806,000 $ 326,148 $ 130,000
Dare, North Carolina 27 $ 20,458,000 $ 757,703 $ 275,000
Wake, North Carolina 27 $ 9,460,000 $ 350,370 $ 146,000
Sacramento, California 26 $ 7,996,000 $ 307,538 $ 146,000
Hennepin, Minnesota 26 $ 13,256,000 $ 509,846 $ 184,000
Union, New Jersey 26 $ 8,555,000 $ 329,038 $ 139,000
Sussex, Delaware 25 $ 9,321,000 $ 372,840 $ 280,000
Santa Cruz, California 24 $ 12,347,000 $ 514,458 $ 148,000
Burlington, New Jersey 24 $ 11,079,000 $ 461,625 $ 132,000
Snohomish, Washington 24 $ 6,219,000 $ 259,125 $ 93,000
Hartford, Connecticut 23 $ 5,861,000 $ 254,826 $ 120,000
Orange, Florida 23 $ 8,441,000 $ 367,000 $ 175,000
Howard, Maryland 23 $ 8,936,000 $ 388,521 $ 125,000
Philadelphia, Pennsylvania 23 $ 10,169,000 $ 442,130 $ 232,000
Macomb, Michigan 22 $ 6,140,000 $ 279,090 $ 86,000
Hudson, New Jersey 21 $ 6,356,000 $ 302,666 $ 157,000
Mercer, New Jersey 21 $ 8,969,000 $ 427,095 $ 230,000
Mecklenburg, North Carolina 21 $ 8,012,000 $ 381,523 $ 200,000
Allegheny, Pennsylvania 19 $ 5,600,000 $ 294,736 $ 157,000
Sonoma, California 18 $ 8,655,000 $ 480,833 $ 153,000
Hamilton, Ohio 18 $ 9,197,000 $ 510,944 $ 246,000
Arlington, Virginia 18 $ 6,267,000 $ 348,166 $ 125,000
Pierce, Washington 18 $ 3,982,000 $ 221,222 $ 112,000
St. Johns, Florida 17 $ 7,445,000 $ 437,941 $ 216,000
Will, Illinois 17 $ 5,435,000 $ 319,705 $ 131,000
Baltimore, Maryland 17 $ 5,283,000 $ 310,764 $ 158,000
Cape May, New Jersey 17 $ 8,863,000 $ 521,352 $ 248,000
El Dorado, California 16 $ 5,054,000 $ 315,875 $ 135,000
St. Louis, Missouri 16 $ 7,841,000 $ 490,062 $ 177,000
Ocean, New Jersey 16 $ 4,442,000 $ 277,625 $ 196,000
Monterey, California 15 $ 9,014,000 $ 600,933 $ 207,000
Duval, Florida 15 $ 4,511,000 $ 300,733 $ 158,000
Kane, Illinois 15 $ 5,014,000 $ 334,266 $ 189,000
Prince George's, Maryland 15 $ 5,019,000 $ 334,600 $ 139,000
Washtenaw, Michigan 15 $ 5,248,000 $ 349,866 $ 208,000
Jefferson, Colorado 14 $ 6,391,000 $ 456,500 $ 145,000
Pinellas, Florida 14 $ 7,098,000 $ 507,000 $ 193,000
Washoe, Nevada 14 $ 5,528,000 $ 394,857 $ 185,000
San Luis Obispo, California 13 $ 5,921,000 $ 455,461 $ 133,000
Arapahoe, Colorado 13 $ 5,323,000 $ 409,461 $ 212,000
Passaic, New Jersey 13 $ 3,649,000 $ 280,692 $ 150,000
Rockland, New York 13 $ 4,354,000 $ 334,923 $ 152,000
Douglas, Colorado 12 $ 5,106,000 $ 425,500 $ 163,000
Brevard, Florida 12 $ 3,938,000 $ 328,166 $ 140,000
McHenry, Illinois 12 $ 3,405,000 $ 283,750 $ 108,000
Johnson, Kansas 12 $ 3,669,000 $ 305,750 $ 345,000
Hillsborough, New Hampshire 12 $ 2,832,000 $ 236,000 $ 249,000
Hunterdon, New Jersey 12 $ 5,510,000 $ 459,166 $ 196,000
Putnam, New York 12 $ 3,463,000 $ 288,583 $ 104,000
Franklin, Ohio 12 $ 2,485,000 $ 207,083 $ 150,000
Walworth, Wisconsin 12 $ 6,403,000 $ 533,583 $ 151,000
Coconino, Arizona 11 $ 4,925,000 $ 447,727 $ 239,000
Placer, California 11 $ 4,540,000 $ 412,727 $ 193,000
Litchfield, Connecticut 11 $ 7,017,000 $ 637,909 $ 278,000
Manatee, Florida 11 $ 8,693,000 $ 790,272 $ 300,000
Nantucket, Massachusetts 11 $ 10,332,000 $ 939,272 $ 628,000
Livingston, Michigan 11 $ 5,411,000 $ 491,909 $ 158,000
Rockingham, New Hampshire 11 $ 3,927,000 $ 357,000 $ 125,000
Richmond, New York 11 $ 3,018,000 $ 274,363 $ 140,000
Multnomah, Oregon 11 $ 4,670,000 $ 424,545 $ 226,000
Horry, South Carolina 11 $ 3,154,000 $ 286,727 $ 181,000
Salt Lake, Utah 11 $ 6,532,000 $ 593,818 $ 238,000
Okaloosa, Florida 10 $ 4,157,000 $ 415,700 $ 251,000
Atlantic, New Jersey 10 $ 5,805,000 $ 580,500 $ 493,000
Montgomery, Ohio 10 $ 2,204,000 $ 220,400 $ 78,000
Kent, Rhode Island 10 $ 2,754,000 $ 275,400 $ 218,000
Utah, Utah 10 $ 2,890,000 $ 289,000 $ 112,000
Yavapai, Arizona 9 $ 4,484,000 $ 498,222 $ 138,000
San Joaquin, California 9 $ 2,710,000 $ 301,111 $ 98,000
Denver, Colorado 9 $ 3,369,000 $ 374,333 $ 184,000
Seminole, Florida 9 $ 3,518,000 $ 390,888 $ 182,000
St. Lucie, Florida 9 $ 1,732,000 $ 192,444 $ 105,000
Charles, Maryland 9 $ 2,737,000 $ 304,111 $ 112,000
Currituck, North Carolina 9 $ 8,312,000 $ 923,555 $ 266,000
Virginia Beach, Virginia 9 $ 2,241,000 $ 249,000 $ 103,000
Dane, Wisconsin 9 $ 3,860,000 $ 428,888 $ 287,000
Hillsborough, Florida 8 $ 3,153,000 $ 394,125 $ 208,000
Indian River, Florida 8 $ 5,486,000 $ 685,750 $ 298,000
Camden, New Jersey 8 $ 2,070,000 $ 258,750 $ 138,000
Licking, Ohio 8 $ 1,040,000 $ 130,000 $ 145,000
Summit, Ohio 8 $ 3,279,000 $ 409,875 $ 152,000
Warren, Ohio 8 $ 3,147,000 $ 393,375 $ 258,000
Washington, Oregon 8 $ 2,129,000 $ 266,125 $ 81,000
Butler, Pennsylvania 8 $ 2,967,000 $ 370,875 $ 185,000
Shelby, Tennessee 8 $ 3,526,000 $ 440,750 $ 383,000
Fauquier, Virginia 8 $ 3,157,000 $ 394,625 $ 183,000
Clark, Washington 8 $ 2,271,000 $ 283,875 $ 101,000
Eagle, Colorado 7 $ 5,981,000 $ 854,428 $ 158,000
Pasco, Florida 7 $ 1,432,000 $ 204,571 $ 112,000
Cumberland, Maine 7 $ 1,555,000 $ 222,142 $ 129,000
Baltimore City, Maryland 7 $ 899,000 $ 128,428 $ 86,000
Worcester, Maryland 7 $ 3,086,000 $ 440,857 $ 237,000
Hampden, Massachusetts 7 $ 1,626,000 $ 232,285 $ 150,000
Dakota, Minnesota 7 $ 2,684,000 $ 383,428 $ 133,000
Delaware, Ohio 7 $ 1,973,000 $ 281,857 $ 125,000
Clackamas, Oregon 7 $ 2,970,000 $ 424,285 $ 171,000
Charleston, South Carolina 7 $ 1,957,000 $ 279,571 $ 102,000
Chittenden, Vermont 7 $ 2,332,000 $ 333,142 $ 149,000
Alexandria, Virginia 7 $ 2,848,000 $ 406,857 $ 199,000
Kitsap, Washington 7 $ 2,001,000 $ 285,857 $ 104,000
Napa, California 6 $ 3,177,000 $ 529,500 $ 258,000
Nevada, California 6 $ 2,623,000 $ 437,166 $ 177,000
Stanislaus, California 6 $ 2,295,000 $ 382,500 $ 181,000
Yolo, California 6 $ 2,004,000 $ 334,000 $ 125,000
Osceola, Florida 6 $ 2,504,000 $ 417,333 $ 327,000
Walton, Florida 6 $ 3,626,000 $ 604,333 $ 1,697,000
East Baton Rouge, Louisiana 6 $ 1,962,000 $ 327,000 $ 217,000
Calvert, Maryland 6 $ 1,753,000 $ 292,166 $ 53,000
Dukes, Massachusetts 6 $ 2,344,000 $ 390,666 $ 118,000
Ramsey, Minnesota 6 $ 1,564,000 $ 260,666 $ 161,000
Gloucester, New Jersey 6 $ 1,845,000 $ 307,500 $ 138,000
Sussex, New Jersey 6 $ 1,679,000 $ 279,833 $ 151,000
Bernalillo, New Mexico 6 $ 1,527,000 $ 254,500 $ 150,000
Erie, New York 6 $ 1,194,000 $ 199,000 $ 96,000
Jackson, North Carolina 6 $ 3,740,000 $ 623,333 $ 452,000
Cass, North Dakota 6 $ 993,000 $ 165,500 $ 115,000
Butler, Ohio 6 $ 1,963,000 $ 327,166 $ 130,000
Newport, Rhode Island 6 $ 2,081,000 $ 346,833 $ 168,000
Williamson, Tennessee 6 $ 2,283,000 $ 380,500 $ 145,000
Dallas, Texas 6 $ 1,937,000 $ 322,833 $ 158,000
Henrico, Virginia 6 $ 1,529,000 $ 254,833 $ 188,000
Stafford, Virginia 6 $ 2,086,000 $ 347,666 $ 137,000
Waukesha, Wisconsin 6 $ 2,701,000 $ 450,166 $ 423,000
Pinal, Arizona 5 $ 1,436,000 $ 287,200 $ 101,000
Middlesex, Connecticut 5 $ 1,355,000 $ 271,000 $ 92,000
Franklin, Florida 5 $ 2,499,000 $ 499,800 $ 201,000
Santa Rosa, Florida 5 $ 1,995,000 $ 399,000 $ 240,000
Jefferson, Louisiana 5 $ 1,747,000 $ 349,400 $ 135,000
Orleans, Louisiana 5 $ 1,865,000 $ 373,000 $ 343,000
St. Tammany, Louisiana 5 $ 1,306,000 $ 261,200 $ 65,000
Cecil, Maryland 5 $ 1,505,000 $ 301,000 $ 96,000
Frederick, Maryland 5 $ 1,630,000 $ 326,000 $ 134,000
St. Mary's, Maryland 5 $ 1,279,000 $ 255,800 $ 102,000
Kent, Michigan 5 $ 2,067,000 $ 413,400 $ 255,000
Anoka, Minnesota 5 $ 1,107,000 $ 221,400 $ 94,000
Scott, Minnesota 5 $ 1,913,000 $ 382,600 $ 163,000
Carroll, New Hampshire 5 $ 1,497,000 $ 299,400 $ 202,000
Merrimack, New Hampshire 5 $ 1,540,000 $ 308,000 $ 140,000
Warren, New Jersey 5 $ 1,818,000 $ 363,600 $ 82,000
Dutchess, New York 5 $ 1,162,000 $ 232,400 $ 88,000
Monroe, New York 5 $ 1,183,000 $ 236,600 $ 76,000
Orange, New York 5 $ 1,270,000 $ 254,000 $ 107,000
Guilford, North Carolina 5 $ 1,221,000 $ 244,200 $ 178,000
New Hanover, North Carolina 5 $ 2,908,000 $ 581,600 $ 313,000
Lucas, Ohio 5 $ 1,275,000 $ 255,000 $ 127,000
Lehigh, Pennsylvania 5 $ 1,689,000 $ 337,800 $ 186,000
Northampton, Pennsylvania 5 $ 2,227,000 $ 445,400 $ 155,000
Westmoreland, Pennsylvania 5 $ 2,080,000 $ 416,000 $ 163,000
Providence, Rhode Island 5 $ 1,365,000 $ 273,000 $ 97,000
Washington, Rhode Island 5 $ 1,260,000 $ 252,000 $ 257,000
Greenville, South Carolina 5 $ 2,001,000 $ 400,200 $ 209,000
Collin, Texas 5 $ 1,404,000 $ 280,800 $ 162,000
Harris, Texas 5 $ 695,000 $ 139,000 $ 102,000
Summit, Utah 5 $ 2,688,000 $ 537,600 $ 212,000
Norfolk, Virginia 5 $ 1,736,000 $ 347,200 $ 158,000
Benton, Washington 5 $ 847,000 $ 169,400 $ 94,000
Whatcom, Washington 5 $ 2,334,000 $ 466,800 $ 24,000
Baldwin, Alabama 4 $ 1,765,000 $ 441,250 $ 203,000
Shelby, Alabama 4 $ 1,001,000 $ 250,250 $ 156,000
San Benito, California 4 $ 1,400,000 $ 350,000 $ 127,000
El Paso, Colorado 4 $ 2,047,000 $ 511,750 $ 193,000
Larimer, Colorado 4 $ 1,510,000 $ 377,500 $ 108,000
Summit, Colorado 4 $ 1,517,000 $ 379,250 $ 122,000
Tolland, Connecticut 4 $ 919,000 $ 229,750 $ 109,000
Charlotte, Florida 4 $ 1,986,000 $ 496,500 $ 258,000
Escambia, Florida 4 $ 1,149,000 $ 287,250 $ 149,000
York, Maine 4 $ 1,277,000 $ 319,250 $ 120,000
Ingham, Michigan 4 $ 1,224,000 $ 306,000 $ 111,000
Sandoval, New Mexico 4 $ 2,497,000 $ 624,250 $ 76,000
Albany, New York 4 $ 989,000 $ 247,250 $ 109,000
Brunswick, North Carolina 4 $ 2,320,000 $ 580,000 $ 316,000
Durham, North Carolina 4 $ 1,092,000 $ 273,000 $ 321,000
Iredell, North Carolina 4 $ 1,548,000 $ 387,000 $ 218,000
Lorain, Ohio 4 $ 1,723,000 $ 430,750 $ 143,000
Medina, Ohio 4 $ 727,000 $ 181,750 $ 84,000
Tulsa, Oklahoma 4 $ 1,544,000 $ 386,000 $ 236,000
Beaufort, South Carolina 4 $ 2,046,000 $ 511,500 $ 239,000
Davidson, Tennessee 4 $ 581,000 $ 145,250 $ 94,000
Denton, Texas 4 $ 868,000 $ 217,000 $ 90,000
Travis, Texas 4 $ 668,000 $ 167,000 $ 80,000
Chesterfield, Virginia 4 $ 961,000 $ 240,250 $ 80,000
Jefferson, Alabama 3 $ 996,000 $ 332,000 $ 262,000
Madison, Alabama 3 $ 5,227,000 $ 1,742,333 $ 89,000
Mohave, Arizona 3 $ 888,000 $ 296,000 $ 227,000
Amador, California 3 $ 1,067,000 $ 355,666 $ 204,000
Mendocino, California 3 $ 1,090,000 $ 363,333 $ 58,000
Mono, California 3 $ 1,318,000 $ 439,333 $ 130,000
Shasta, California 3 $ 628,000 $ 209,333 $ 147,000
Elbert, Colorado 3 $ 1,293,000 $ 431,000 $ 118,000
Pitkin, Colorado 3 $ 3,425,000 $ 1,141,666 $ 484,000
Bay, Florida 3 $ 2,471,000 $ 823,666 $ 496,000
Polk, Florida 3 $ 702,000 $ 234,000 $ 133,000
Volusia, Florida 3 $ 975,000 $ 325,000 $ 137,000
Blaine, Idaho 3 $ 3,561,000 $ 1,187,000 $ 735,000
Hamilton, Indiana 3 $ 891,000 $ 297,000 $ 93,000
Boone, Kentucky 3 $ 671,000 $ 223,666 $ 106,000
Ascension, Louisiana 3 $ 1,200,000 $ 400,000 $ 158,000
Carroll, Maryland 3 $ 835,000 $ 278,333 $ 130,000
Harford, Maryland 3 $ 771,000 $ 257,000 $ 124,000
Delta, Michigan 3 $ 176,000 $ 58,666 $ 35,000
Sherburne, Minnesota 3 $ 475,000 $ 158,333 $ 73,000
Jackson, Missouri 3 $ 623,000 $ 207,666 $ 89,000
St. Charles, Missouri 3 $ 840,000 $ 280,000 $ 124,000
Ravalli, Montana 3 $ 1,745,000 $ 581,666 $ 504,000
Douglas, Nebraska 3 $ 1,596,000 $ 532,000 $ 199,000
Belknap, New Hampshire 3 $ 1,286,000 $ 428,666 $ 413,000
Santa Fe, New Mexico 3 $ 1,621,000 $ 540,333 $ 300,000
Bronx, New York 3 $ 1,061,000 $ 353,666 $ 116,000
Delaware, New York 3 $ 643,000 $ 214,333 $ 62,000
Macon, North Carolina 3 $ 2,085,000 $ 695,000 $ 355,000
Orange, North Carolina 3 $ 960,000 $ 320,000 $ 218,000
Union, North Carolina 3 $ 1,080,000 $ 360,000 $ 153,000
Clermont, Ohio 3 $ 990,000 $ 330,000 $ 144,000
Geauga, Ohio 3 $ 1,335,000 $ 445,000 $ 202,000
Greene, Ohio 3 $ 1,052,000 $ 350,666 $ 108,000
Marion, Oregon 3 $ 1,073,000 $ 357,666 $ 269,000
Adams, Pennsylvania 3 $ 978,000 $ 326,000 $ 128,000
Berks, Pennsylvania 3 $ 814,000 $ 271,333 $ 81,000
Dauphin, Pennsylvania 3 $ 280,000 $ 93,333 $ 67,000
Franklin, Pennsylvania 3 $ 444,000 $ 148,000 $ 85,000
Spartanburg, South Carolina 3 $ 326,000 $ 108,666 $ 69,000
Blount, Tennessee 3 $ 1,842,000 $ 614,000 $ 391,000
Tarrant, Texas 3 $ 1,102,000 $ 367,333 $ 194,000
Grand Isle, Vermont 3 $ 1,434,000 $ 478,000 $ 209,000
Windsor, Vermont 3 $ 1,308,000 $ 436,000 $ 93,000
Frederick, Virginia 3 $ 804,000 $ 268,000 $ 103,000
Richmond City, Virginia 3 $ 608,000 $ 202,666 $ 56,000
Spotsylvania, Virginia 3 $ 846,000 $ 282,000 $ 107,000
Spokane, Washington 3 $ 439,000 $ 146,333 $ 64,000
Houston, Alabama 2 $ 499,000 $ 249,500 $ 85,000
Gila, Arizona 2 $ 1,600,000 $ 800,000 $ 337,000
Fresno, California 2 $ 479,000 $ 239,500 $ 92,000
Madera, California 2 $ 637,000 $ 318,500 $ 192,000
Merced, California 2 $ 447,000 $ 223,500 $ 175,000
Siskiyou, California 2 $ 464,000 $ 232,000 $ 46,000
Adams, Colorado 2 $ 442,000 $ 221,000 $ 77,000
La Plata, Colorado 2 $ 2,155,000 $ 1,077,500 $ 0
Routt, Colorado 2 $ 1,548,000 $ 774,000 $ 362,000
New London, Connecticut 2 $ 490,000 $ 245,000 $ 143,000
Windham, Connecticut 2 $ 405,000 $ 202,500 $ 55,000
Citrus, Florida 2 $ 750,000 $ 375,000 $ 127,000
Clay, Florida 2 $ 864,000 $ 432,000 $ 173,000
Nassau, Florida 2 $ 1,221,000 $ 610,500 $ 508,000
Macon, Illinois 2 $ 2,030,000 $ 1,015,000 $ 486,000
McLean, Illinois 2 $ 265,000 $ 132,500 $ 71,000
Allen, Indiana 2 $ 1,074,000 $ 537,000 $ 1,020,000
Polk, Iowa 2 $ 183,000 $ 91,500 $ 60,000
Sedgwick, Kansas 2 $ 670,000 $ 335,000 $ 112,000
Jefferson, Kentucky 2 $ 333,000 $ 166,500 $ 82,000
Sagadahoc, Maine 2 $ 1,300,000 $ 650,000 $ 135,000
Washington, Maryland 2 $ 485,000 $ 242,500 $ 98,000
Berkshire, Massachusetts 2 $ 839,000 $ 419,500 $ 199,000
Hampshire, Massachusetts 2 $ 657,000 $ 328,500 $ 392,000
Berrien, Michigan 2 $ 1,555,000 $ 777,500 $ 279,000
Calhoun, Michigan 2 $ 145,000 $ 72,500 $ 74,000
Genesee, Michigan 2 $ 1,101,000 $ 550,500 $ 330,000
Saginaw, Michigan 2 $ 1,170,000 $ 585,000 $ 186,000
Blue Earth, Minnesota 2 $ 480,000 $ 240,000 $ 53,000
Crow Wing, Minnesota 2 $ 270,000 $ 135,000 $ 60,000
McLeod, Minnesota 2 $ 250,000 $ 125,000 $ 75,000
Olmsted, Minnesota 2 $ 507,000 $ 253,500 $ 150,000
St. Louis, Minnesota 2 $ 639,000 $ 319,500 $ 118,000
Washington, Minnesota 2 $ 601,000 $ 300,500 $ 114,000
Jackson, Mississippi 2 $ 1,412,000 $ 706,000 $ 178,000
Boone, Missouri 2 $ 394,000 $ 197,000 $ 76,000
Cass, Missouri 2 $ 502,000 $ 251,000 $ 170,000
St. Louis City, Missouri 2 $ 571,000 $ 285,500 $ 183,000
Carson City, Nevada 2 $ 455,000 $ 227,500 $ 144,000
Douglas, Nevada 2 $ 623,000 $ 311,500 $ 122,000
Grafton, New Hampshire 2 $ 355,000 $ 177,500 $ 69,000
Salem, New Jersey 2 $ 1,060,000 $ 530,000 $ 158,000
Dona Ana, New Mexico 2 $ 589,000 $ 294,500 $ 115,000
Columbia, New York 2 $ 520,000 $ 260,000 $ 47,000
Jefferson, New York 2 $ 112,000 $ 56,000 $ 37,000
Onondaga, New York 2 $ 400,000 $ 200,000 $ 80,000
Saratoga, New York 2 $ 618,000 $ 309,000 $ 217,000
Ulster, New York 2 $ 751,000 $ 375,500 $ 300,000
Carteret, North Carolina 2 $ 1,235,000 $ 617,500 $ 306,000
Chatham, North Carolina 2 $ 857,000 $ 428,500 $ 193,000
Cumberland, North Carolina 2 $ 327,000 $ 163,500 $ 78,000
Forsyth, North Carolina 2 $ 1,037,000 $ 518,500 $ 338,000
Moore, North Carolina 2 $ 677,000 $ 338,500 $ 144,000
Pitt, North Carolina 2 $ 1,049,000 $ 524,500 $ 303,000
Warren, North Carolina 2 $ 432,000 $ 216,000 $ 100,000
Coshocton, Ohio 2 $ 288,000 $ 144,000 $ 101,000
Lake, Ohio 2 $ 216,000 $ 108,000 $ 60,000
Stark, Ohio 2 $ 536,000 $ 268,000 $ 145,000
Columbia, Oregon 2 $ 472,000 $ 236,000 $ 76,000
Deschutes, Oregon 2 $ 362,000 $ 181,000 $ 182,000
Jackson, Oregon 2 $ 452,000 $ 226,000 $ 78,000
Lane, Oregon 2 $ 532,000 $ 266,000 $ 153,000
Cumberland, Pennsylvania 2 $ 415,000 $ 207,500 $ 139,000
Lancaster, Pennsylvania 2 $ 445,000 $ 222,500 $ 131,000
Wayne, Pennsylvania 2 $ 219,000 $ 109,500 $ 94,000
York, Pennsylvania 2 $ 457,000 $ 228,500 $ 75,000
Bristol, Rhode Island 2 $ 420,000 $ 210,000 $ 68,000
Florence, South Carolina 2 $ 694,000 $ 347,000 $ 207,000
Lexington, South Carolina 2 $ 197,000 $ 98,500 $ 71,000
York, South Carolina 2 $ 1,207,000 $ 603,500 $ 20,000
Marion, Tennessee 2 $ 162,000 $ 81,000 $ 74,000
Washington, Tennessee 2 $ 630,000 $ 315,000 $ 137,000
Fort Bend, Texas 2 $ 209,000 $ 104,500 $ 126,000
Montgomery, Texas 2 $ 154,000 $ 77,000 $ 94,000
Davis, Utah 2 $ 444,000 $ 222,000 $ 75,000
Wasatch, Utah 2 $ 943,000 $ 471,500 $ 148,000
Washington, Vermont 2 $ 592,000 $ 296,000 $ 83,000
Albemarle, Virginia 2 $ 839,000 $ 419,500 $ 117,000
Chesapeake, Virginia 2 $ 471,000 $ 235,500 $ 100,000
Culpeper, Virginia 2 $ 720,000 $ 360,000 $ 136,000
Fairfax City, Virginia 2 $ 525,000 $ 262,500 $ 505,000
James City, Virginia 2 $ 1,065,000 $ 532,500 $ 183,000
King George, Virginia 2 $ 2,214,000 $ 1,107,000 $ 342,000
Prince George, Virginia 2 $ 333,000 $ 166,500 $ 124,000
Roanoke, Virginia 2 $ 435,000 $ 217,500 $ 101,000
Monongalia, West Virginia 2 $ 232,000 $ 116,000 $ 83,000
Adams, Wisconsin 2 $ 198,000 $ 99,000 $ 54,000
Milwaukee, Wisconsin 2 $ 438,000 $ 219,000 $ 168,000
Cullman, Alabama 1 $ 323,000 $ 323,000 $ 159,000
Lee, Alabama 1 $ 85,000 $ 85,000 $ 45,000
Limestone, Alabama 1 $ 186,000 $ 186,000 $ 52,000
Mobile, Alabama 1 $ 455,000 $ 455,000 $ 308,000
Santa Cruz, Arizona 1 $ 88,000 $ 88,000 $ 67,000
Yuma, Arizona 1 $ 424,000 $ 424,000 $ 136,000
Garland, Arkansas 1 $ 910,000 $ 910,000 $ 2,196,000
Butte, California 1 $ 200,000 $ 200,000 $ 48,000
Calaveras, California 1 $ 320,000 $ 320,000 $ 82,000
Kern, California 1 $ 250,000 $ 250,000 $ 66,000
Lake, California 1 $ 233,000 $ 233,000 $ 191,000
Sutter, California 1 $ 308,000 $ 308,000 $ 120,000
Trinity, California 1 $ 240,000 $ 240,000 $ 71,000
Tulare, California 1 $ 257,000 $ 257,000 $ 72,000
Yuba, California 1 $ 280,000 $ 280,000 $ 27,000
Garfield, Colorado 1 $ 1,388,000 $ 1,388,000 $ 447,000
Montrose, Colorado 1 $ 114,000 $ 114,000 $ 84,000
Pueblo, Colorado 1 $ 353,000 $ 353,000 $ 100,000
Weld, Colorado 1 $ 383,000 $ 383,000 $ 196,000
Kent, Delaware 1 $ 92,000 $ 92,000 $ 75,000
Alachua, Florida 1 $ 40,000 $ 40,000 $ 31,000
DeSoto, Florida 1 $ 330,000 $ 330,000 $ 90,000
Flagler, Florida 1 $ 1,000,000 $ 1,000,000 $ 696,000
Gadsden, Florida 1 $ 80,000 $ 80,000 $ 48,000
Hernando, Florida 1 $ 188,000 $ 188,000 $ 78,000
Lake, Florida 1 $ 185,000 $ 185,000 $ 240,000
Leon, Florida 1 $ 81,000 $ 81,000 $ 89,000
Marion, Florida 1 $ 256,000 $ 256,000 $ 86,000
Cherokee, Georgia 1 $ 419,000 $ 419,000 $ 228,000
Fulton, Georgia 1 $ 303,000 $ 303,000 $ 120,000
Ada, Idaho 1 $ 260,000 $ 260,000 $ 121,000
Bonner, Idaho 1 $ 425,000 $ 425,000 $ 310,000
Payette, Idaho 1 $ 210,000 $ 210,000 $ 82,000
Cass, Illinois 1 $ 50,000 $ 50,000 $ 35,000
DeKalb, Illinois 1 $ 295,000 $ 295,000 $ 204,000
Kendall, Illinois 1 $ 166,000 $ 166,000 $ 79,000
Livingston, Illinois 1 $ 65,000 $ 65,000 $ 44,000
Richland, Illinois 1 $ 360,000 $ 360,000 $ 102,000
Floyd, Indiana 1 $ 86,000 $ 86,000 $ 63,000
Henry, Indiana 1 $ 175,000 $ 175,000 $ 65,000
Kosciusko, Indiana 1 $ 60,000 $ 60,000 $ 120,000
Marion, Indiana 1 $ 740,000 $ 740,000 $ 576,000
Monroe, Indiana 1 $ 166,000 $ 166,000 $ 55,000
Perry, Indiana 1 $ 85,000 $ 85,000 $ 42,000
Porter, Indiana 1 $ 109,000 $ 109,000 $ 175,000
Steuben, Indiana 1 $ 197,000 $ 197,000 $ 0
Tippecanoe, Indiana 1 $ 406,000 $ 406,000 $ 193,000
Warrick, Indiana 1 $ 239,000 $ 239,000 $ 50,000
Washington, Indiana 1 $ 90,000 $ 90,000 $ 6,000
Dallas, Iowa 1 $ 422,000 $ 422,000 $ 226,000
Dubuque, Iowa 1 $ 87,000 $ 87,000 $ 37,000
Emmet, Iowa 1 $ 67,000 $ 67,000 $ 60,000
Johnson, Iowa 1 $ 126,000 $ 126,000 $ 600,000
Pottawattamie, Iowa 1 $ 43,000 $ 43,000 $ 86,000
Scott, Iowa 1 $ 128,000 $ 128,000 $ 77,000
Douglas, Kansas 1 $ 405,000 $ 405,000 $ 105,000
Campbell, Kentucky 1 $ 141,000 $ 141,000 $ 103,000
Kenton, Kentucky 1 $ 344,000 $ 344,000 $ 110,000
Warren, Kentucky 1 $ 375,000 $ 375,000 $ 168,000
Caddo, Louisiana 1 $ 219,000 $ 219,000 $ 108,000
Lafayette, Louisiana 1 $ 80,000 $ 80,000 $ 72,000
Lincoln, Louisiana 1 $ 100,000 $ 100,000 $ 66,000
Ouachita, Louisiana 1 $ 87,000 $ 87,000 $ 76,000
Rapides, Louisiana 1 $ 239,000 $ 239,000 $ 89,000
St. Charles, Louisiana 1 $ 232,000 $ 232,000 $ 86,000
Vernon, Louisiana 1 $ 55,000 $ 55,000 $ 82,000
Hancock, Maine 1 $ 881,000 $ 881,000 $ 836,000
Talbot, Maryland 1 $ 650,000 $ 650,000 $ 142,000
Wicomico, Maryland 1 $ 147,000 $ 147,000 $ 99,000
Franklin, Massachusetts 1 $ 394,000 $ 394,000 $ 135,000
Antrim, Michigan 1 $ 425,000 $ 425,000 $ 190,000
Charlevoix, Michigan 1 $ 1,400,000 $ 1,400,000 $ 564,000
Emmet, Michigan 1 $ 3,000,000 $ 3,000,000 $ 0
Lapeer, Michigan 1 $ 323,000 $ 323,000 $ 270,000
Lenawee, Michigan 1 $ 195,000 $ 195,000 $ 0
Mackinac, Michigan 1 $ 517,000 $ 517,000 $ 0
Midland, Michigan 1 $ 124,000 $ 124,000 $ 78,000
Missaukee, Michigan 1 $ 160,000 $ 160,000 $ 114,000
Monroe, Michigan 1 $ 174,000 $ 174,000 $ 100,000
Ottawa, Michigan 1 $ 650,000 $ 650,000 $ 480,000
St. Joseph, Michigan 1 $ 408,000 $ 408,000 $ 217,000
Carver, Minnesota 1 $ 205,000 $ 205,000 $ 81,000
Cass, Minnesota 1 $ 475,000 $ 475,000 $ 180,000
Chisago, Minnesota 1 $ 257,000 $ 257,000 $ 75,000
Itasca, Minnesota 1 $ 791,000 $ 791,000 $ 240,000
Meeker, Minnesota 1 $ 336,000 $ 336,000 $ 83,000
Otter Tail, Minnesota 1 $ 284,000 $ 284,000 $ 90,000
Pine, Minnesota 1 $ 160,000 $ 160,000 $ 70,000
Stearns, Minnesota 1 $ 62,000 $ 62,000 $ 104,000
Forrest, Mississippi 1 $ 650,000 $ 650,000 $ 149,000
Lowndes, Mississippi 1 $ 118,000 $ 118,000 $ 58,000
Madison, Mississippi 1 $ 170,000 $ 170,000 $ 156,000
Rankin, Mississippi 1 $ 555,000 $ 555,000 $ 614,000
Adair, Missouri 1 $ 148,000 $ 148,000 $ 96,000
Clay, Missouri 1 $ 208,000 $ 208,000 $ 94,000
Gasconade, Missouri 1 $ 42,000 $ 42,000 $ 28,000
Greene, Missouri 1 $ 451,000 $ 451,000 $ 660,000
Johnson, Missouri 1 $ 139,000 $ 139,000 $ 58,000
Pettis, Missouri 1 $ 101,000 $ 101,000 $ 64,000
Cascade, Montana 1 $ 296,000 $ 296,000 $ 120,000
Missoula, Montana 1 $ 650,000 $ 650,000 $ 742,000
Park, Montana 1 $ 331,000 $ 331,000 $ 134,000
Yellowstone, Montana 1 $ 124,000 $ 124,000 $ 28,000
Lancaster, Nebraska 1 $ 424,000 $ 424,000 $ 0
Pierce, Nebraska 1 $ 50,000 $ 50,000 $ 30,000
Sarpy, Nebraska 1 $ 102,000 $ 102,000 $ 72,000
Washington, Nebraska 1 $ 284,000 $ 284,000 $ 160,000
Lyon, Nevada 1 $ 118,000 $ 118,000 $ 52,000
Nye, Nevada 1 $ 224,000 $ 224,000 $ 132,000
Strafford, New Hampshire 1 $ 190,000 $ 190,000 $ 118,000
Otero, New Mexico 1 $ 123,000 $ 123,000 $ 89,000
Taos, New Mexico 1 $ 281,000 $ 281,000 $ 122,000
Essex, New York 1 $ 400,000 $ 400,000 $ 540,000
Greene, New York 1 $ 90,000 $ 90,000 $ 180,000
Otsego, New York 1 $ 127,000 $ 127,000 $ 79,000
Rensselaer, New York 1 $ 132,000 $ 132,000 $ 123,000
Steuben, New York 1 $ 300,000 $ 300,000 $ 240,000
Warren, New York 1 $ 160,000 $ 160,000 $ 50,000
Wayne, New York 1 $ 149,000 $ 149,000 $ 82,000
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Mortgage Loan Application Detail Totals for Lydian Private Bank in 2003

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 (home purchase or home improvement, one-to-four family) 6,468 $2,835,009,000 $376,000 $8,750,000 $218,500 $6,108,000
Home Purchase (one-to-four family) 1,893 $837,920,000 $369,636 $4,000,000 $183,068 $8,920,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 0 $0 $0 $0 $0 $0
Home Improvement (one-to-four family) 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 5,001 $2,330,024,000 $387,708 $5,500,000 $218,354 $8,920,000
Information not provided by applicant in mail or telephone application 2,162 $904,820,000 $347,159 $8,750,000 $183,068 $6,108,000
Asian or Pacific Islander 630 $239,380,000 $375,516 $2,275,000 $212,741 $1,548,000
Hispanic 232 $85,917,000 $323,391 $3,500,000 $141,434 $1,320,000
Black 131 $51,913,000 $443,523 $3,835,000 $152,238 $965,000
Not applicable 103 $10,233,000 $99,000 $224,000 $0 $0
Other 86 $43,874,000 $435,235 $3,445,000 $219,764 $1,923,000
American Indian or Alaskan Native 16 $6,768,000 $425,181 $1,200,000 $186,363 $389,000

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) 8,361 $3,672,929,000 $374,916 $8,750,000 $220,562 $8,920,000
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 3,530 $1,447,619,000 $349,302 $3,080,000 $168,465 $8,920,000
Application Denied By Financial Institution 1,632 $968,310,000 $504,311 $8,750,000 $199,822 $3,500,000
Application Withdrawn By Applicant 1,352 $509,308,000 $326,888 $4,810,000 $192,733 $6,108,000
Application Approved But Not Accepted 1,284 $616,603,000 $449,871 $4,000,000 $233,410 $4,721,000
File Closed For Incompleteness 460 $120,856,000 $205,375 $1,450,000 $116,200 $2,184,000
Loan Purchased By The Institution 103 $10,233,000 $99,000 $224,000 $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
Other 512 $326,775,000 $539,028 $8,750,000 $257,514 $2,281,000
Credit History 356 $228,349,000 $515,687 $5,500,000 $193,062 $3,000,000
Debt-To-Income Ratio 317 $158,619,000 $374,516 $3,850,000 $113,516 $1,031,000
Collateral 272 $162,076,000 $530,789 $4,000,000 $203,973 $3,500,000
Unverifiable Information 63 $32,087,000 $504,882 $3,445,000 $223,176 $1,923,000
Employment History 60 $29,172,000 $663,375 $3,575,000 $205,312 $1,114,000
Insufficient Cash (Downpayment, Closing Cost) 32 $17,214,000 $539,470 $2,340,000 $108,941 $544,000
Credit Application Incomplete 20 $14,018,000 $745,727 $1,885,000 $312,000 $936,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Lydian Private Bank's 2003 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 Lydian Private 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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