Lydian Private Bank Mortgage Lending & HMDA Data, 2004

In 2004, Lydian Private Bank of Palm Beach Gardens, FL reported 9,120 mortgage applications totaling $3.7 billion, up 9% from 2003. The average application was for $400,886, and applicants reported an average income of $162,704. 46% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (634), San Diego-Carlsbad-San Marcos, CA (482) and West Palm Beach-Boca Raton-Boynton Beach, FL (415) (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 9,120
Total Mortgage Loan Application Amount $3,656,084,000
Average Mortgage Loan Application Amount $400,886
Highest Mortgage Loan Application Amount $10,000,000
Average Applicant Income $162,704
Highest Applicant Income $8,191,000

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Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

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 634 $ 305,801,000 $ 482,335 $ 192,000
San Diego, California 482 $ 239,956,000 $ 497,834 $ 178,000
Palm Beach, Florida 415 $ 175,671,000 $ 423,303 $ 209,000
Orange, California 358 $ 199,250,000 $ 556,564 $ 197,000
Cook, Illinois 243 $ 85,579,000 $ 352,176 $ 129,000
Santa Clara, California 217 $ 100,787,000 $ 464,456 $ 264,000
Broward, Florida 206 $ 92,217,000 $ 447,655 $ 252,000
Contra Costa, California 186 $ 85,386,000 $ 459,064 $ 154,000
Alameda, California 168 $ 76,618,000 $ 456,059 $ 137,000
Fairfax, Virginia 163 $ 63,975,000 $ 392,484 $ 157,000
Maricopa, Arizona 160 $ 65,753,000 $ 410,956 $ 131,000
Riverside, California 154 $ 52,167,000 $ 338,746 $ 135,000
Clark, Nevada 144 $ 55,784,000 $ 387,388 $ 176,000
Middlesex, Massachusetts 122 $ 44,471,000 $ 364,516 $ 124,000
Montgomery, Maryland 118 $ 47,650,000 $ 403,813 $ 153,000
Fairfield, Connecticut 112 $ 68,120,000 $ 608,214 $ 228,000
San Mateo, California 102 $ 59,731,000 $ 585,598 $ 132,000
Miami-Dade, Florida 98 $ 63,013,000 $ 642,989 $ 339,000
San Francisco, California 83 $ 41,854,000 $ 504,265 $ 164,000
King, Washington 76 $ 23,123,000 $ 304,250 $ 88,000
Ventura, California 74 $ 31,324,000 $ 423,297 $ 133,000
Suffolk, New York 73 $ 40,545,000 $ 555,410 $ 360,000
San Bernardino, California 70 $ 20,695,000 $ 295,642 $ 101,000
Prince William, Virginia 63 $ 21,500,000 $ 341,269 $ 95,000
Sacramento, California 60 $ 17,056,000 $ 284,266 $ 89,000
Collier, Florida 60 $ 31,865,000 $ 531,083 $ 272,000
Nassau, New York 59 $ 28,385,000 $ 481,101 $ 166,000
DuPage, Illinois 56 $ 17,524,000 $ 312,928 $ 145,000
San Luis Obispo, California 53 $ 23,860,000 $ 450,188 $ 169,000
Westchester, New York 52 $ 37,834,000 $ 727,576 $ 230,000
Oakland, Michigan 51 $ 20,611,000 $ 404,137 $ 168,000
Loudoun, Virginia 51 $ 19,627,000 $ 384,843 $ 110,000
Lee, Florida 50 $ 16,566,000 $ 331,320 $ 182,000
Essex, Massachusetts 49 $ 17,180,000 $ 350,612 $ 163,000
Suffolk, Massachusetts 47 $ 18,429,000 $ 392,106 $ 179,000
Marin, California 40 $ 25,203,000 $ 630,075 $ 223,000
Pinellas, Florida 40 $ 16,479,000 $ 411,975 $ 198,000
Norfolk, Massachusetts 40 $ 14,588,000 $ 364,700 $ 131,000
Bergen, New Jersey 40 $ 25,066,000 $ 626,650 $ 292,000
Kings, New York 40 $ 20,609,000 $ 515,225 $ 128,000
Queens, New York 40 $ 14,293,000 $ 357,325 $ 129,000
New York, New York 39 $ 36,783,000 $ 943,153 $ 379,000
Monroe, Florida 37 $ 24,121,000 $ 651,918 $ 414,000
Hillsborough, Florida 36 $ 7,983,000 $ 221,750 $ 105,000
Middlesex, New Jersey 36 $ 11,277,000 $ 313,250 $ 128,000
Monterey, California 35 $ 21,579,000 $ 616,542 $ 290,000
Solano, California 35 $ 11,337,000 $ 323,914 $ 129,000
Monmouth, New Jersey 35 $ 18,768,000 $ 536,228 $ 195,000
Montgomery, Pennsylvania 35 $ 12,979,000 $ 370,828 $ 146,000
Hartford, Connecticut 34 $ 8,547,000 $ 251,382 $ 118,000
Bucks, Pennsylvania 34 $ 15,006,000 $ 441,352 $ 268,000
Santa Barbara, California 33 $ 29,243,000 $ 886,151 $ 893,000
Hennepin, Minnesota 33 $ 11,367,000 $ 344,454 $ 132,000
Lake, Illinois 32 $ 10,644,000 $ 332,625 $ 103,000
Mecklenburg, North Carolina 31 $ 9,855,000 $ 317,903 $ 159,000
Plymouth, Massachusetts 30 $ 10,942,000 $ 364,733 $ 132,000
St. Lucie, Florida 29 $ 6,158,000 $ 212,344 $ 68,000
Will, Illinois 29 $ 6,267,000 $ 216,103 $ 81,000
Ocean, New Jersey 29 $ 12,194,000 $ 420,482 $ 164,000
Providence, Rhode Island 29 $ 5,648,000 $ 194,758 $ 83,000
Boulder, Colorado 28 $ 10,613,000 $ 379,035 $ 100,000
Martin, Florida 28 $ 12,127,000 $ 433,107 $ 157,000
Baltimore, Maryland 28 $ 9,251,000 $ 330,392 $ 141,000
Worcester, Massachusetts 28 $ 6,987,000 $ 249,535 $ 98,000
New Haven, Connecticut 25 $ 5,526,000 $ 221,040 $ 124,000
Orange, Florida 25 $ 10,906,000 $ 436,240 $ 212,000
Barnstable, Massachusetts 25 $ 10,713,000 $ 428,520 $ 91,000
Bristol, Massachusetts 25 $ 5,853,000 $ 234,120 $ 78,000
Salt Lake, Utah 25 $ 9,465,000 $ 378,600 $ 168,000
Sonoma, California 23 $ 11,992,000 $ 521,391 $ 171,000
Arapahoe, Colorado 23 $ 6,114,000 $ 265,826 $ 224,000
Sarasota, Florida 23 $ 13,041,000 $ 567,000 $ 204,000
Essex, New Jersey 23 $ 7,773,000 $ 337,956 $ 136,000
Santa Cruz, California 22 $ 9,164,000 $ 416,545 $ 106,000
Sussex, Delaware 22 $ 9,048,000 $ 411,272 $ 222,000
Somerset, New Jersey 22 $ 9,640,000 $ 438,181 $ 193,000
Arlington, Virginia 22 $ 8,628,000 $ 392,181 $ 82,000
San Joaquin, California 21 $ 6,481,000 $ 308,619 $ 106,000
Anne Arundel, Maryland 21 $ 9,817,000 $ 467,476 $ 151,000
Prince George's, Maryland 21 $ 5,454,000 $ 259,714 $ 112,000
Placer, California 20 $ 7,453,000 $ 372,650 $ 158,000
Kern, California 19 $ 2,806,000 $ 147,684 $ 114,000
Manatee, Florida 19 $ 7,724,000 $ 406,526 $ 190,000
Wake, North Carolina 19 $ 6,020,000 $ 316,842 $ 111,000
Frederick, Maryland 18 $ 5,504,000 $ 305,777 $ 204,000
Burlington, New Jersey 18 $ 5,420,000 $ 301,111 $ 141,000
Denver, Colorado 17 $ 4,663,000 $ 274,294 $ 226,000
Douglas, Colorado 17 $ 7,648,000 $ 449,882 $ 171,000
Jefferson, Colorado 17 $ 4,409,000 $ 259,352 $ 151,000
Kane, Illinois 17 $ 5,009,000 $ 294,647 $ 109,000
Wayne, Michigan 17 $ 4,269,000 $ 251,117 $ 104,000
Morris, New Jersey 17 $ 7,564,000 $ 444,941 $ 149,000
Richmond, New York 17 $ 6,366,000 $ 374,470 $ 88,000
Utah, Utah 17 $ 3,677,000 $ 216,294 $ 97,000
Pima, Arizona 16 $ 4,338,000 $ 271,125 $ 83,000
New Castle, Delaware 16 $ 3,890,000 $ 243,125 $ 94,000
Fulton, Georgia 16 $ 5,828,000 $ 364,250 $ 129,000
Hudson, New Jersey 16 $ 5,176,000 $ 323,500 $ 163,000
Cuyahoga, Ohio 16 $ 4,970,000 $ 310,625 $ 207,000
Stafford, Virginia 16 $ 4,151,000 $ 259,437 $ 86,000
Baltimore City, Maryland 15 $ 2,892,000 $ 192,800 $ 154,000
Cape May, New Jersey 15 $ 12,882,000 $ 858,800 $ 309,000
Delaware, Pennsylvania 15 $ 6,529,000 $ 435,266 $ 148,000
Washington, Rhode Island 15 $ 5,404,000 $ 360,266 $ 191,000
Fresno, California 14 $ 3,628,000 $ 259,142 $ 110,000
Howard, Maryland 14 $ 5,786,000 $ 413,285 $ 153,000
Cass, North Dakota 14 $ 1,617,000 $ 115,500 $ 114,000
Stanislaus, California 13 $ 4,480,000 $ 344,615 $ 122,000
District of Columbia, District Of Columbia 13 $ 6,593,000 $ 507,153 $ 262,000
Washoe, Nevada 13 $ 9,167,000 $ 705,153 $ 363,000
Chester, Pennsylvania 13 $ 4,247,000 $ 326,692 $ 169,000
Newport, Rhode Island 13 $ 3,069,000 $ 236,076 $ 111,000
Summit, Utah 13 $ 4,118,000 $ 316,769 $ 149,000
Chittenden, Vermont 13 $ 3,460,000 $ 266,153 $ 109,000
Dane, Wisconsin 13 $ 3,603,000 $ 277,153 $ 199,000
Passaic, New Jersey 12 $ 3,536,000 $ 294,666 $ 118,000
Rockland, New York 12 $ 5,380,000 $ 448,333 $ 199,000
Brunswick, North Carolina 12 $ 6,221,000 $ 518,416 $ 234,000
New Hanover, North Carolina 12 $ 2,590,000 $ 215,833 $ 97,000
Philadelphia, Pennsylvania 12 $ 2,522,000 $ 210,166 $ 63,000
Alexandria, Virginia 12 $ 6,004,000 $ 500,333 $ 151,000
Virginia Beach, Virginia 12 $ 4,905,000 $ 408,750 $ 132,000
Pierce, Washington 12 $ 2,094,000 $ 174,500 $ 73,000
El Dorado, California 11 $ 7,853,000 $ 713,909 $ 178,000
San Benito, California 11 $ 4,763,000 $ 433,000 $ 104,000
Cobb, Georgia 11 $ 2,092,000 $ 190,181 $ 35,000
Cumberland, Maine 11 $ 2,716,000 $ 246,909 $ 119,000
Washtenaw, Michigan 11 $ 4,986,000 $ 453,272 $ 174,000
Hunterdon, New Jersey 11 $ 4,053,000 $ 368,454 $ 189,000
Bernalillo, New Mexico 11 $ 1,924,000 $ 174,909 $ 88,000
Onondaga, New York 11 $ 1,380,000 $ 125,454 $ 97,000
Kent, Rhode Island 11 $ 2,218,000 $ 201,636 $ 70,000
Brevard, Florida 10 $ 5,466,000 $ 546,600 $ 206,000
Charlotte, Florida 10 $ 2,246,000 $ 224,600 $ 136,000
Indian River, Florida 10 $ 5,095,000 $ 509,500 $ 326,000
Volusia, Florida 10 $ 4,032,000 $ 403,200 $ 135,000
DeKalb, Georgia 10 $ 1,717,000 $ 171,700 $ 31,000
York, Maine 10 $ 2,297,000 $ 229,700 $ 89,000
Hillsborough, New Hampshire 10 $ 2,577,000 $ 257,700 $ 99,000
Atlantic, New Jersey 10 $ 2,388,000 $ 238,800 $ 98,000
Camden, New Jersey 10 $ 2,398,000 $ 239,800 $ 91,000
Mercer, New Jersey 10 $ 4,499,000 $ 449,900 $ 211,000
Union, New Jersey 10 $ 3,496,000 $ 349,600 $ 155,000
Orange, New York 10 $ 1,962,000 $ 196,200 $ 87,000
Northampton, Pennsylvania 10 $ 3,521,000 $ 352,100 $ 133,000
Horry, South Carolina 10 $ 3,214,000 $ 321,400 $ 147,000
Dallas, Texas 10 $ 4,214,000 $ 421,400 $ 18,000
Spotsylvania, Virginia 10 $ 2,341,000 $ 234,100 $ 147,000
Adams, Colorado 9 $ 1,651,000 $ 183,444 $ 181,000
El Paso, Colorado 9 $ 1,946,000 $ 216,222 $ 160,000
Seminole, Florida 9 $ 4,177,000 $ 464,111 $ 145,000
Ramsey, Minnesota 9 $ 2,343,000 $ 260,333 $ 81,000
Rockingham, New Hampshire 9 $ 2,232,000 $ 248,000 $ 74,000
Gloucester, New Jersey 9 $ 2,069,000 $ 229,888 $ 107,000
Hamilton, Ohio 9 $ 2,869,000 $ 318,777 $ 180,000
Snohomish, Washington 9 $ 1,872,000 $ 208,000 $ 67,000
Napa, California 8 $ 3,038,000 $ 379,750 $ 63,000
Eagle, Colorado 8 $ 6,721,000 $ 840,125 $ 100,000
Litchfield, Connecticut 8 $ 2,069,000 $ 258,625 $ 107,000
St. Johns, Florida 8 $ 2,499,000 $ 312,375 $ 96,000
Gwinnett, Georgia 8 $ 1,464,000 $ 183,000 $ 63,000
Carroll, Maryland 8 $ 2,052,000 $ 256,500 $ 79,000
Anoka, Minnesota 8 $ 1,811,000 $ 226,375 $ 81,000
Dakota, Minnesota 8 $ 2,791,000 $ 348,875 $ 111,000
Dare, North Carolina 8 $ 5,725,000 $ 715,625 $ 248,000
Lorain, Ohio 8 $ 2,490,000 $ 311,250 $ 100,000
Multnomah, Oregon 8 $ 3,321,000 $ 415,125 $ 116,000
Washington, Oregon 8 $ 1,276,000 $ 159,500 $ 96,000
Davis, Utah 8 $ 1,679,000 $ 209,875 $ 108,000
Pinal, Arizona 7 $ 1,399,000 $ 199,857 $ 71,000
Merced, California 7 $ 1,278,000 $ 182,571 $ 78,000
Larimer, Colorado 7 $ 1,378,000 $ 196,857 $ 102,000
Duval, Florida 7 $ 1,855,000 $ 265,000 $ 84,000
Marion, Florida 7 $ 2,768,000 $ 395,428 $ 114,000
Okaloosa, Florida 7 $ 3,817,000 $ 545,285 $ 215,000
Pasco, Florida 7 $ 1,496,000 $ 213,714 $ 88,000
Macomb, Michigan 7 $ 1,310,000 $ 187,142 $ 64,000
Washington, Minnesota 7 $ 3,584,000 $ 512,000 $ 130,000
Jackson, Missouri 7 $ 2,751,000 $ 393,000 $ 179,000
Guilford, North Carolina 7 $ 1,275,000 $ 182,142 $ 52,000
Shelby, Tennessee 7 $ 3,068,000 $ 438,285 $ 331,000
Yavapai, Arizona 6 $ 1,259,000 $ 209,833 $ 62,000
Middlesex, Connecticut 6 $ 1,269,000 $ 211,500 $ 144,000
Bay, Florida 6 $ 714,000 $ 119,000 $ 48,000
Johnson, Kansas 6 $ 1,282,000 $ 213,666 $ 108,000
Harford, Maryland 6 $ 2,103,000 $ 350,500 $ 131,000
Kent, Michigan 6 $ 1,585,000 $ 264,166 $ 70,000
St. Louis, Missouri 6 $ 3,618,000 $ 603,000 $ 205,000
Grafton, New Hampshire 6 $ 2,926,000 $ 487,666 $ 241,000
Currituck, North Carolina 6 $ 6,805,000 $ 1,134,166 $ 286,000
Oklahoma, Oklahoma 6 $ 2,375,000 $ 395,833 $ 183,000
Charleston, South Carolina 6 $ 3,197,000 $ 532,833 $ 204,000
Greenville, South Carolina 6 $ 1,384,000 $ 230,666 $ 140,000
Davidson, Tennessee 6 $ 1,176,000 $ 196,000 $ 100,000
Chesterfield, Virginia 6 $ 1,524,000 $ 254,000 $ 65,000
Spokane, Washington 6 $ 1,185,000 $ 197,500 $ 96,000
Whatcom, Washington 6 $ 1,869,000 $ 311,500 $ 136,000
Milwaukee, Wisconsin 6 $ 2,239,000 $ 373,166 $ 95,000
Madison, Alabama 5 $ 638,000 $ 127,600 $ 80,000
Mohave, Arizona 5 $ 1,368,000 $ 273,600 $ 239,000
Amador, California 5 $ 1,560,000 $ 312,000 $ 138,000
Butte, California 5 $ 1,179,000 $ 235,800 $ 164,000
Nevada, California 5 $ 1,255,000 $ 251,000 $ 140,000
Yolo, California 5 $ 1,701,000 $ 340,200 $ 87,000
Mesa, Colorado 5 $ 944,000 $ 188,800 $ 69,000
Pitkin, Colorado 5 $ 8,785,000 $ 1,757,000 $ 781,000
Tolland, Connecticut 5 $ 1,182,000 $ 236,400 $ 115,000
Kent, Delaware 5 $ 1,062,000 $ 212,400 $ 166,000
Alachua, Florida 5 $ 1,059,000 $ 211,800 $ 84,000
Lake, Florida 5 $ 1,158,000 $ 231,600 $ 120,000
Walton, Florida 5 $ 2,082,000 $ 416,400 $ 276,000
Henry, Georgia 5 $ 975,000 $ 195,000 $ 0
Ada, Idaho 5 $ 954,000 $ 190,800 $ 248,000
McHenry, Illinois 5 $ 1,298,000 $ 259,600 $ 91,000
Hamilton, Indiana 5 $ 2,026,000 $ 405,200 $ 114,000
Lake, Indiana 5 $ 735,000 $ 147,000 $ 80,000
Queen Anne's, Maryland 5 $ 1,829,000 $ 365,800 $ 147,000
Wicomico, Maryland 5 $ 904,000 $ 180,800 $ 62,000
Dukes, Massachusetts 5 $ 6,205,000 $ 1,241,000 $ 1,421,000
Hampden, Massachusetts 5 $ 1,671,000 $ 334,200 $ 196,000
Nantucket, Massachusetts 5 $ 4,055,000 $ 811,000 $ 253,000
Monroe, Michigan 5 $ 1,351,000 $ 270,200 $ 100,000
Santa Fe, New Mexico 5 $ 1,482,000 $ 296,400 $ 84,000
Durham, North Carolina 5 $ 1,371,000 $ 274,200 $ 190,000
Franklin, Ohio 5 $ 1,294,000 $ 258,800 $ 99,000
Deschutes, Oregon 5 $ 996,000 $ 199,200 $ 56,000
Lane, Oregon 5 $ 925,000 $ 185,000 $ 205,000
Allegheny, Pennsylvania 5 $ 1,686,000 $ 337,200 $ 183,000
Berks, Pennsylvania 5 $ 795,000 $ 159,000 $ 107,000
Lehigh, Pennsylvania 5 $ 1,165,000 $ 233,000 $ 106,000
Monroe, Pennsylvania 5 $ 667,000 $ 133,400 $ 153,000
Beaufort, South Carolina 5 $ 1,397,000 $ 279,400 $ 67,000
Harris, Texas 5 $ 1,680,000 $ 336,000 $ 108,000
Calaveras, California 4 $ 1,506,000 $ 376,500 $ 117,000
Tulare, California 4 $ 741,000 $ 185,250 $ 102,000
Weld, Colorado 4 $ 647,000 $ 161,750 $ 35,000
New London, Connecticut 4 $ 2,304,000 $ 576,000 $ 260,000
Cherokee, Georgia 4 $ 1,112,000 $ 278,000 $ 110,000
Forsyth, Georgia 4 $ 496,000 $ 124,000 $ 0
St. Tammany, Louisiana 4 $ 1,329,000 $ 332,250 $ 148,000
Cecil, Maryland 4 $ 630,000 $ 157,500 $ 56,000
Charles, Maryland 4 $ 1,132,000 $ 283,000 $ 100,000
Worcester, Maryland 4 $ 1,687,000 $ 421,750 $ 208,000
Berkshire, Massachusetts 4 $ 1,017,000 $ 254,250 $ 221,000
Scott, Minnesota 4 $ 1,070,000 $ 267,500 $ 0
Cass, Missouri 4 $ 590,000 $ 147,500 $ 75,000
Dutchess, New York 4 $ 1,887,000 $ 471,750 $ 98,000
Erie, New York 4 $ 399,000 $ 99,750 $ 80,000
Ulster, New York 4 $ 2,013,000 $ 503,250 $ 185,000
Union, North Carolina 4 $ 1,581,000 $ 395,250 $ 104,000
Clackamas, Oregon 4 $ 1,621,000 $ 405,250 $ 22,000
Berkeley, South Carolina 4 $ 1,135,000 $ 283,750 $ 138,000
Knox, Tennessee 4 $ 1,030,000 $ 257,500 $ 145,000
Montgomery, Tennessee 4 $ 383,000 $ 95,750 $ 46,000
Denton, Texas 4 $ 953,000 $ 238,250 $ 69,000
Tarrant, Texas 4 $ 912,000 $ 228,000 $ 73,000
Washington, Vermont 4 $ 953,000 $ 238,250 $ 114,000
Kitsap, Washington 4 $ 1,887,000 $ 471,750 $ 187,000
Jefferson, Alabama 3 $ 396,000 $ 132,000 $ 51,000
Shelby, Alabama 3 $ 521,000 $ 173,666 $ 83,000
Coconino, Arizona 3 $ 616,000 $ 205,333 $ 157,000
Madera, California 3 $ 811,000 $ 270,333 $ 92,000
Summit, Colorado 3 $ 1,234,000 $ 411,333 $ 196,000
Clay, Florida 3 $ 322,000 $ 107,333 $ 14,000
Osceola, Florida 3 $ 737,000 $ 245,666 $ 81,000
Polk, Florida 3 $ 353,000 $ 117,666 $ 71,000
Bartow, Georgia 3 $ 355,000 $ 118,333 $ 95,000
Douglas, Georgia 3 $ 436,000 $ 145,333 $ 0
Allen, Indiana 3 $ 1,537,000 $ 512,333 $ 443,000
Marion, Indiana 3 $ 1,047,000 $ 349,000 $ 124,000
Fayette, Kentucky 3 $ 474,000 $ 158,000 $ 214,000
Orleans, Louisiana 3 $ 978,000 $ 326,000 $ 101,000
Talbot, Maryland 3 $ 1,386,000 $ 462,000 $ 195,000
Emmet, Michigan 3 $ 981,000 $ 327,000 $ 116,000
Jackson, Michigan 3 $ 645,000 $ 215,000 $ 93,000
Carver, Minnesota 3 $ 726,000 $ 242,000 $ 77,000
Sherburne, Minnesota 3 $ 491,000 $ 163,666 $ 88,000
DeSoto, Mississippi 3 $ 1,191,000 $ 397,000 $ 0
Rankin, Mississippi 3 $ 1,046,000 $ 348,666 $ 120,000
Douglas, Nebraska 3 $ 516,000 $ 172,000 $ 67,000
Carroll, New Hampshire 3 $ 494,000 $ 164,666 $ 135,000
Merrimack, New Hampshire 3 $ 967,000 $ 322,333 $ 130,000
Sussex, New Jersey 3 $ 1,021,000 $ 340,333 $ 145,000
Taos, New Mexico 3 $ 1,175,000 $ 391,666 $ 1,165,000
Putnam, New York 3 $ 706,000 $ 235,333 $ 67,000
Carteret, North Carolina 3 $ 1,595,000 $ 531,666 $ 177,000
Catawba, North Carolina 3 $ 975,000 $ 325,000 $ 1,946,000
Gaston, North Carolina 3 $ 354,000 $ 118,000 $ 55,000
Butler, Ohio 3 $ 551,000 $ 183,666 $ 84,000
Lake, Ohio 3 $ 936,000 $ 312,000 $ 116,000
Montgomery, Ohio 3 $ 936,000 $ 312,000 $ 124,000
Franklin, Pennsylvania 3 $ 357,000 $ 119,000 $ 71,000
Lancaster, Pennsylvania 3 $ 609,000 $ 203,000 $ 79,000
York, Pennsylvania 3 $ 695,000 $ 231,666 $ 95,000
Richland, South Carolina 3 $ 351,000 $ 117,000 $ 126,000
Spartanburg, South Carolina 3 $ 488,000 $ 162,666 $ 69,000
Williamson, Tennessee 3 $ 412,000 $ 137,333 $ 25,000
Bexar, Texas 3 $ 403,000 $ 134,333 $ 39,000
Collin, Texas 3 $ 496,000 $ 165,333 $ 67,000
Tom Green, Texas 3 $ 215,000 $ 71,666 $ 71,000
Travis, Texas 3 $ 1,051,000 $ 350,333 $ 97,000
Washington, Utah 3 $ 336,000 $ 112,000 $ 83,000
Chesapeake, Virginia 3 $ 870,000 $ 290,000 $ 106,000
Clarke, Virginia 3 $ 4,187,000 $ 1,395,666 $ 182,000
Fauquier, Virginia 3 $ 2,091,000 $ 697,000 $ 226,000
Hampton, Virginia 3 $ 542,000 $ 180,666 $ 61,000
King George, Virginia 3 $ 1,470,000 $ 490,000 $ 406,000
Baldwin, Alabama 2 $ 1,082,000 $ 541,000 $ 536,000
Cherokee, Alabama 2 $ 482,000 $ 241,000 $ 605,000
Yuma, Arizona 2 $ 165,000 $ 82,500 $ 118,000
Garland, Arkansas 2 $ 362,000 $ 181,000 $ 95,000
Imperial, California 2 $ 312,000 $ 156,000 $ 50,000
Lake, California 2 $ 350,000 $ 175,000 $ 187,000
Shasta, California 2 $ 926,000 $ 463,000 $ 143,000
Tehama, California 2 $ 237,000 $ 118,500 $ 26,000
Garfield, Colorado 2 $ 951,000 $ 475,500 $ 63,000
Grand, Colorado 2 $ 558,000 $ 279,000 $ 0
La Plata, Colorado 2 $ 1,360,000 $ 680,000 $ 773,000
San Miguel, Colorado 2 $ 1,090,000 $ 545,000 $ 320,000
Citrus, Florida 2 $ 302,000 $ 151,000 $ 38,000
Flagler, Florida 2 $ 654,000 $ 327,000 $ 113,000
Leon, Florida 2 $ 311,000 $ 155,500 $ 80,000
Santa Rosa, Florida 2 $ 494,000 $ 247,000 $ 139,000
Sumter, Florida 2 $ 588,000 $ 294,000 $ 93,000
Hall, Georgia 2 $ 780,000 $ 390,000 $ 83,000
Newton, Georgia 2 $ 344,000 $ 172,000 $ 30,000
Carroll, Illinois 2 $ 398,000 $ 199,000 $ 193,000
DeKalb, Illinois 2 $ 604,000 $ 302,000 $ 102,000
Kankakee, Illinois 2 $ 351,000 $ 175,500 $ 246,000
Winnebago, Illinois 2 $ 356,000 $ 178,000 $ 80,000
Porter, Indiana 2 $ 366,000 $ 183,000 $ 132,000
St. Joseph, Indiana 2 $ 452,000 $ 226,000 $ 858,000
Vanderburgh, Indiana 2 $ 514,000 $ 257,000 $ 190,000
Linn, Iowa 2 $ 214,000 $ 107,000 $ 22,000
Polk, Iowa 2 $ 669,000 $ 334,500 $ 124,000
Franklin, Kentucky 2 $ 1,081,000 $ 540,500 $ 196,000
Calcasieu, Louisiana 2 $ 261,000 $ 130,500 $ 99,000
East Baton Rouge, Louisiana 2 $ 529,000 $ 264,500 $ 173,000
Androscoggin, Maine 2 $ 90,000 $ 45,000 $ 0
Calvert, Maryland 2 $ 876,000 $ 438,000 $ 226,000
St. Mary's, Maryland 2 $ 810,000 $ 405,000 $ 210,000
Berrien, Michigan 2 $ 935,000 $ 467,500 $ 554,000
Cass, Michigan 2 $ 615,000 $ 307,500 $ 121,000
Grand Traverse, Michigan 2 $ 580,000 $ 290,000 $ 197,000
Kalamazoo, Michigan 2 $ 653,000 $ 326,500 $ 89,000
Lapeer, Michigan 2 $ 798,000 $ 399,000 $ 180,000
Muskegon, Michigan 2 $ 399,000 $ 199,500 $ 99,000
Hubbard, Minnesota 2 $ 318,000 $ 159,000 $ 56,000
Greene, Missouri 2 $ 251,000 $ 125,500 $ 72,000
Jefferson, Missouri 2 $ 226,000 $ 113,000 $ 103,000
St. Charles, Missouri 2 $ 365,000 $ 182,500 $ 110,000
Gallatin, Montana 2 $ 344,000 $ 172,000 $ 124,000
Park, Montana 2 $ 1,326,000 $ 663,000 $ 201,000
Douglas, Nevada 2 $ 4,630,000 $ 2,315,000 $ 820,000
Salem, New Jersey 2 $ 226,000 $ 113,000 $ 78,000
Otero, New Mexico 2 $ 151,000 $ 75,500 $ 35,000
Sandoval, New Mexico 2 $ 379,000 $ 189,500 $ 161,000
Bronx, New York 2 $ 525,000 $ 262,500 $ 92,000
Jefferson, New York 2 $ 236,000 $ 118,000 $ 103,000
Monroe, New York 2 $ 146,000 $ 73,000 $ 40,000
Sullivan, New York 2 $ 725,000 $ 362,500 $ 131,000
Avery, North Carolina 2 $ 243,000 $ 121,500 $ 107,000
Buncombe, North Carolina 2 $ 443,000 $ 221,500 $ 336,000
Burke, North Carolina 2 $ 726,000 $ 363,000 $ 75,000
Cumberland, North Carolina 2 $ 149,000 $ 74,500 $ 37,000
Lincoln, North Carolina 2 $ 292,000 $ 146,000 $ 121,000
Delaware, Ohio 2 $ 180,000 $ 90,000 $ 14,000
Geauga, Ohio 2 $ 436,000 $ 218,000 $ 59,000
Greene, Ohio 2 $ 800,000 $ 400,000 $ 132,000
Licking, Ohio 2 $ 133,000 $ 66,500 $ 195,000
Lucas, Ohio 2 $ 416,000 $ 208,000 $ 90,000
Marion, Ohio 2 $ 200,000 $ 100,000 $ 47,000
Portage, Ohio 2 $ 222,000 $ 111,000 $ 33,000
Tulsa, Oklahoma 2 $ 239,000 $ 119,500 $ 240,000
Butler, Pennsylvania 2 $ 303,000 $ 151,500 $ 28,000
Cumberland, Pennsylvania 2 $ 220,000 $ 110,000 $ 21,000
Lawrence, Pennsylvania 2 $ 70,000 $ 35,000 $ 43,000
Mercer, Pennsylvania 2 $ 503,000 $ 251,500 $ 102,000
Pike, Pennsylvania 2 $ 345,000 $ 172,500 $ 140,000
Bristol, Rhode Island 2 $ 455,000 $ 227,500 $ 103,000
Hamilton, Tennessee 2 $ 635,000 $ 317,500 $ 14,000
Maury, Tennessee 2 $ 359,000 $ 179,500 $ 79,000
Sumner, Tennessee 2 $ 347,000 $ 173,500 $ 76,000
Galveston, Texas 2 $ 646,000 $ 323,000 $ 0
Parker, Texas 2 $ 1,280,000 $ 640,000 $ 533,000
Rockwall, Texas 2 $ 555,000 $ 277,500 $ 85,000
Williamson, Texas 2 $ 165,000 $ 82,500 $ 126,000
Cache, Utah 2 $ 274,000 $ 137,000 $ 107,000
Augusta, Virginia 2 $ 633,000 $ 316,500 $ 157,000
Culpeper, Virginia 2 $ 305,000 $ 152,500 $ 72,000
Fluvanna, Virginia 2 $ 492,000 $ 246,000 $ 52,000
Frederick, Virginia 2 $ 441,000 $ 220,500 $ 81,000
Hanover, Virginia 2 $ 427,000 $ 213,500 $ 75,000
Henrico, Virginia 2 $ 705,000 $ 352,500 $ 120,000
Roanoke, Virginia 2 $ 334,000 $ 167,000 $ 77,000
Rockingham, Virginia 2 $ 967,000 $ 483,500 $ 187,000
Shenandoah, Virginia 2 $ 236,000 $ 118,000 $ 222,000
Warren, Virginia 2 $ 310,000 $ 155,000 $ 82,000
Clark, Washington 2 $ 302,000 $ 151,000 $ 64,000
Thurston, Washington 2 $ 358,000 $ 179,000 $ 130,000
Jefferson, West Virginia 2 $ 301,000 $ 150,500 $ 542,000
Putnam, West Virginia 2 $ 378,000 $ 189,000 $ 99,000
Ozaukee, Wisconsin 2 $ 355,000 $ 177,500 $ 0
Washington, Wisconsin 2 $ 563,000 $ 281,500 $ 48,000
Waukesha, Wisconsin 2 $ 690,000 $ 345,000 $ 135,000
Elmore, Alabama 1 $ 225,000 $ 225,000 $ 107,000
Limestone, Alabama 1 $ 90,000 $ 90,000 $ 121,000
Morgan, Alabama 1 $ 62,000 $ 62,000 $ 58,000
Anchorage, Alaska 1 $ 222,000 $ 222,000 $ 0
Cochise, Arizona 1 $ 75,000 $ 75,000 $ 38,000
Gila, Arizona 1 $ 1,225,000 $ 1,225,000 $ 900,000
Graham, Arizona 1 $ 96,000 $ 96,000 $ 0
Navajo, Arizona 1 $ 125,000 $ 125,000 $ 79,000
Benton, Arkansas 1 $ 78,000 $ 78,000 $ 35,000
Clark, Arkansas 1 $ 53,000 $ 53,000 $ 0
Columbia, Arkansas 1 $ 159,000 $ 159,000 $ 135,000
Craighead, Arkansas 1 $ 122,000 $ 122,000 $ 49,000
Faulkner, Arkansas 1 $ 68,000 $ 68,000 $ 55,000
Pulaski, Arkansas 1 $ 246,000 $ 246,000 $ 93,000
Sharp, Arkansas 1 $ 190,000 $ 190,000 $ 0
Washington, Arkansas 1 $ 110,000 $ 110,000 $ 50,000
Alpine, California 1 $ 412,000 $ 412,000 $ 0
Humboldt, California 1 $ 123,000 $ 123,000 $ 48,000
Kings, California 1 $ 153,000 $ 153,000 $ 76,000
Mendocino, California 1 $ 165,000 $ 165,000 $ 76,000
Mono, California 1 $ 323,000 $ 323,000 $ 0
Plumas, California 1 $ 228,000 $ 228,000 $ 102,000
Tuolumne, California 1 $ 183,000 $ 183,000 $ 98,000
Yuba, California 1 $ 256,000 $ 256,000 $ 102,000
Alamosa, Colorado 1 $ 100,000 $ 100,000 $ 0
Broomfield, Colorado 1 $ 136,000 $ 136,000 $ 0
Chaffee, Colorado 1 $ 204,000 $ 204,000 $ 0
Elbert, Colorado 1 $ 600,000 $ 600,000 $ 0
Montrose, Colorado 1 $ 146,000 $ 146,000 $ 0
Rio Grande, Colorado 1 $ 360,000 $ 360,000 $ 0
Routt, Colorado 1 $ 211,000 $ 211,000 $ 0
Windham, Connecticut 1 $ 183,000 $ 183,000 $ 78,000
Baker, Florida 1 $ 85,000 $ 85,000 $ 0
Escambia, Florida 1 $ 689,000 $ 689,000 $ 326,000
Hendry, Florida 1 $ 152,000 $ 152,000 $ 300,000
Hernando, Florida 1 $ 101,000 $ 101,000 $ 91,000
Highlands, Florida 1 $ 160,000 $ 160,000 $ 120,000
Nassau, Florida 1 $ 221,000 $ 221,000 $ 128,000
Barrow, Georgia 1 $ 128,000 $ 128,000 $ 45,000
Carroll, Georgia 1 $ 185,000 $ 185,000 $ 0
Chatham, Georgia 1 $ 390,000 $ 390,000 $ 0
Fayette, Georgia 1 $ 480,000 $ 480,000 $ 222,000
Glynn, Georgia 1 $ 376,000 $ 376,000 $ 0
Houston, Georgia 1 $ 198,000 $ 198,000 $ 0
Jackson, Georgia 1 $ 230,000 $ 230,000 $ 80,000
Jefferson, Georgia 1 $ 236,000 $ 236,000 $ 0
Murray, Georgia 1 $ 96,000 $ 96,000 $ 59,000
Paulding, Georgia 1 $ 88,000 $ 88,000 $ 0
Peach, Georgia 1 $ 94,000 $ 94,000 $ 103,000
Pickens, Georgia 1 $ 1,000,000 $ 1,000,000 $ 490,000
Walker, Georgia 1 $ 106,000 $ 106,000 $ 0
Walton, Georgia 1 $ 152,000 $ 152,000 $ 40,000
Hawaii, Hawaii 1 $ 140,000 $ 140,000 $ 41,000
Bonner, Idaho 1 $ 99,000 $ 99,000 $ 48,000
Kootenai, Idaho 1 $ 1,000,000 $ 1,000,000 $ 113,000
Effingham, Illinois 1 $ 120,000 $ 120,000 $ 144,000
Jackson, Illinois 1 $ 45,000 $ 45,000 $ 48,000
Kendall, Illinois 1 $ 198,000 $ 198,000 $ 80,000
Knox, Illinois 1 $ 70,000 $ 70,000 $ 0
Madison, Illinois 1 $ 113,000 $ 113,000 $ 0
Mason, Illinois 1 $ 20,000 $ 20,000 $ 0
Peoria, Illinois 1 $ 334,000 $ 334,000 $ 119,000
St. Clair, Illinois 1 $ 167,000 $ 167,000 $ 113,000
Delaware, Indiana 1 $ 2,600,000 $ 2,600,000 $ 1,402,000
Harrison, Indiana 1 $ 125,000 $ 125,000 $ 49,000
Hendricks, Indiana 1 $ 316,000 $ 316,000 $ 128,000
Kosciusko, Indiana 1 $ 2,642,000 $ 2,642,000 $ 5,360,000
Marshall, Indiana 1 $ 55,000 $ 55,000 $ 37,000
Rush, Indiana 1 $ 124,000 $ 124,000 $ 0
Wabash, Indiana 1 $ 60,000 $ 60,000 $ 0
Whitley, Indiana 1 $ 192,000 $ 192,000 $ 65,000
Des Moines, Iowa 1 $ 71,000 $ 71,000 $ 73,000
Johnson, Iowa 1 $ 105,000 $ 105,000 $ 36,000
Mahaska, Iowa 1 $ 55,000 $ 55,000 $ 0
Marshall, Iowa 1 $ 165,000 $ 165,000 $ 0
Sac, Iowa 1 $ 120,000 $ 120,000 $ 0
Woodbury, Iowa 1 $ 83,000 $ 83,000 $ 65,000
Douglas, Kansas 1 $ 157,000 $ 157,000 $ 64,000
Gray, Kansas 1 $ 66,000 $ 66,000 $ 39,000
Saline, Kansas 1 $ 78,000 $ 78,000 $ 41,000
Seward, Kansas 1 $ 95,000 $ 95,000 $ 59,000
Shawnee, Kansas 1 $ 84,000 $ 84,000 $ 56,000
Boone, Kentucky 1 $ 116,000 $ 116,000 $ 37,000
Campbell, Kentucky 1 $ 280,000 $ 280,000 $ 92,000
Christian, Kentucky 1 $ 50,000 $ 50,000 $ 42,000
Daviess, Kentucky 1 $ 30,000 $ 30,000 $ 0
Jefferson, Kentucky 1 $ 65,000 $ 65,000 $ 0
Knox, Kentucky 1 $ 179,000 $ 179,000 $ 59,000
Pulaski, Kentucky 1 $ 168,000 $ 168,000 $ 0
Jefferson, Louisiana 1 $ 60,000 $ 60,000 $ 69,000
Livingston, Louisiana 1 $ 327,000 $ 327,000 $ 125,000
Ouachita, Louisiana 1 $ 225,000 $ 225,000 $ 124,000
Rapides, Louisiana 1 $ 65,000 $ 65,000 $ 96,000
Kennebec, Maine 1 $ 97,000 $ 97,000 $ 41,000
Oxford, Maine 1 $ 156,000 $ 156,000 $ 155,000
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Mortgage Loan Application Detail Totals for Lydian Private 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
Refinancing 5,450 $2,232,179,000 $320,938 $10,000,000 $140,040 $5,721,000
Home Purchase 3,670 $1,423,905,000 $246,900 $9,440,000 $107,420 $8,191,000
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
White 4,764 $1,944,191,000 $304,836 $10,000,000 $152,877 $8,191,000
Not Provided 2,161 $911,124,000 $296,630 $6,000,000 $130,260 $6,006,000
Not applicable 778 $299,553,000 $301,567 $3,150,000 $29,756 $810,000
Asian 651 $237,214,000 $278,324 $3,386,000 $116,162 $1,200,000
Hispanic 434 $153,192,000 $262,200 $3,445,000 $74,666 $1,375,000
Black or African American 244 $77,339,000 $265,310 $2,000,000 $117,137 $4,524,000
Native Hawaiian or Other Pacific Islander 55 $22,265,000 $357,625 $1,350,000 $128,937 $490,000
American Indian or Alaskan Native 33 $11,206,000 $286,250 $2,800,000 $90,000 $839,000

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) 9,120 $3,656,084,000 $282,450 $10,000,000 $122,862 $8,191,000
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 4,174 $1,574,684,000 $321,347 $6,500,000 $157,065 $7,279,000
Application Denied By Financial Institution 1,576 $795,085,000 $338,354 $5,070,000 $135,666 $5,360,000
Application Approved But Not Accepted 1,204 $516,894,000 $332,230 $6,045,000 $168,846 $8,191,000
Application Withdrawn By Applicant 1,043 $401,841,000 $271,851 $10,000,000 $111,638 $3,458,000
Loan Purchased By The Institution 764 $294,111,000 $302,888 $3,150,000 $0 $0
File Closed For Incompleteness 358 $73,298,000 $168,738 $1,000,000 $105,761 $4,524,000
Preapproval Denied by Financial Institution 1 $171,000 $171,000 $171,000 $0 $0
Preapproval Approved but not Accepted 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
Other 452 $269,309,000 $485,705 $4,000,000 $217,000 $2,640,000
Credit History 426 $175,660,000 $255,341 $4,100,000 $80,073 $2,915,000
Collateral 272 $158,299,000 $565,714 $4,000,000 $371,600 $5,360,000
Debt-To-Income Ratio 250 $116,452,000 $433,807 $5,070,000 $126,500 $497,000
Unverifiable Information 105 $40,860,000 $315,518 $3,150,000 $112,629 $2,520,000
Employment History 37 $20,706,000 $557,875 $4,000,000 $186,000 $1,485,000
Insufficient Cash (Downpayment, Closing Cost) 25 $8,421,000 $271,461 $2,600,000 $104,000 $921,000
Credit Application Incomplete 8 $5,104,000 $505,600 $1,452,000 $219,200 $849,000
Mortgage Insurance Denied 2 $445,000 $222,500 $301,000 $100,500 $146,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Lydian Private 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 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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