Lydian Private Bank Mortgage Lending & HMDA Data, 2005

In 2005, Lydian Private Bank of Palm Beach Gardens, FL reported 10,352 mortgage applications totaling $3.9 billion, up 14% from 2004. The average application was for $377,978, and applicants reported an average income of $152,727. 43% of its applications resulted in an originated loan and 16% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (690), West Palm Beach-Boca Raton-Boynton Beach, FL (543) and Los Angeles-Long Beach-Glendale, CA (528) (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 10,352
Total Mortgage Loan Application Amount $3,912,830,000
Average Mortgage Loan Application Amount $377,978
Highest Mortgage Loan Application Amount $10,250,000
Average Applicant Income $152,727
Highest Applicant Income $9,396,000

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Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Diego, California 690 $ 317,906,000 $ 460,733 $ 147,000
Palm Beach, Florida 543 $ 221,518,000 $ 407,952 $ 173,000
Los Angeles, California 528 $ 270,204,000 $ 511,750 $ 195,000
Maricopa, Arizona 352 $ 132,094,000 $ 375,267 $ 140,000
Orange, California 346 $ 191,201,000 $ 552,604 $ 181,000
Cook, Illinois 306 $ 122,646,000 $ 400,803 $ 330,000
Klamath, Oregon 298 $ 19,344,000 $ 64,912 $ 0
Miami-Dade, Florida 237 $ 91,747,000 $ 387,118 $ 234,000
Broward, Florida 219 $ 87,209,000 $ 398,214 $ 213,000
Fairfax, Virginia 178 $ 81,935,000 $ 460,308 $ 146,000
Riverside, California 171 $ 62,802,000 $ 367,263 $ 145,000
Jackson, Oregon 141 $ 13,148,000 $ 93,248 $ 31,000
Santa Clara, California 138 $ 68,902,000 $ 499,289 $ 148,000
Contra Costa, California 132 $ 57,619,000 $ 436,507 $ 177,000
Fairfield, Connecticut 117 $ 71,938,000 $ 614,854 $ 240,000
Collier, Florida 116 $ 71,325,000 $ 614,870 $ 284,000
San Bernardino, California 109 $ 34,045,000 $ 312,339 $ 125,000
Alameda, California 100 $ 44,358,000 $ 443,580 $ 153,000
Lee, Florida 91 $ 40,756,000 $ 447,868 $ 219,000
King, Washington 91 $ 29,178,000 $ 320,637 $ 115,000
Polk, Florida 88 $ 16,756,000 $ 190,409 $ 91,000
Sacramento, California 82 $ 25,025,000 $ 305,182 $ 98,000
Clark, Nevada 78 $ 29,611,000 $ 379,628 $ 109,000
DuPage, Illinois 76 $ 30,935,000 $ 407,039 $ 190,000
Middlesex, Massachusetts 76 $ 29,213,000 $ 384,381 $ 132,000
Osceola, Florida 74 $ 15,964,000 $ 215,729 $ 124,000
Ventura, California 67 $ 34,955,000 $ 521,716 $ 136,000
Montgomery, Maryland 67 $ 32,829,000 $ 489,985 $ 142,000
Suffolk, New York 64 $ 36,590,000 $ 571,718 $ 266,000
Prince William, Virginia 64 $ 27,498,000 $ 429,656 $ 129,000
Orange, Florida 62 $ 17,142,000 $ 276,483 $ 131,000
Will, Illinois 54 $ 13,884,000 $ 257,111 $ 112,000
San Mateo, California 53 $ 27,926,000 $ 526,905 $ 169,000
Monroe, Florida 53 $ 31,856,000 $ 601,056 $ 285,000
Lake, Illinois 50 $ 29,475,000 $ 589,500 $ 209,000
Bergen, New Jersey 50 $ 25,046,000 $ 500,920 $ 216,000
New York, New York 50 $ 50,619,000 $ 1,012,380 $ 404,000
Loudoun, Virginia 50 $ 23,496,000 $ 469,920 $ 127,000
Spokane, Washington 50 $ 6,408,000 $ 128,160 $ 15,000
Prince George's, Maryland 49 $ 14,589,000 $ 297,734 $ 122,000
Deschutes, Oregon 49 $ 5,171,000 $ 105,530 $ 45,000
Essex, Massachusetts 48 $ 19,675,000 $ 409,895 $ 118,000
Kings, New York 46 $ 30,511,000 $ 663,282 $ 244,000
Martin, Florida 44 $ 20,678,000 $ 469,954 $ 259,000
Multnomah, Oregon 42 $ 6,382,000 $ 151,952 $ 60,000
Nassau, New York 39 $ 26,509,000 $ 679,717 $ 300,000
Worcester, Massachusetts 38 $ 9,440,000 $ 248,421 $ 97,000
Marin, California 37 $ 30,334,000 $ 819,837 $ 310,000
Lake, Florida 37 $ 9,011,000 $ 243,540 $ 87,000
San Joaquin, California 36 $ 12,803,000 $ 355,638 $ 123,000
St. Lucie, Florida 36 $ 8,096,000 $ 224,888 $ 87,000
Suffolk, Massachusetts 36 $ 17,541,000 $ 487,250 $ 300,000
San Francisco, California 35 $ 25,679,000 $ 733,685 $ 216,000
Kane, Illinois 35 $ 10,049,000 $ 287,114 $ 115,000
Sarasota, Florida 33 $ 15,967,000 $ 483,848 $ 232,000
Oakland, Michigan 33 $ 24,351,000 $ 737,909 $ 307,000
Solano, California 32 $ 10,730,000 $ 335,312 $ 110,000
Sonoma, California 32 $ 15,411,000 $ 481,593 $ 191,000
Hillsborough, Florida 32 $ 6,366,000 $ 198,937 $ 85,000
Anne Arundel, Maryland 31 $ 14,889,000 $ 480,290 $ 161,000
Kern, California 30 $ 7,631,000 $ 254,366 $ 125,000
District of Columbia, District Of Columbia 30 $ 17,626,000 $ 587,533 $ 535,000
Pinellas, Florida 30 $ 11,999,000 $ 399,966 $ 187,000
Norfolk, Massachusetts 29 $ 9,545,000 $ 329,137 $ 109,000
Ada, Idaho 28 $ 2,893,000 $ 103,321 $ 27,000
McHenry, Illinois 27 $ 6,650,000 $ 246,296 $ 82,000
Plymouth, Massachusetts 27 $ 13,362,000 $ 494,888 $ 231,000
Wayne, Michigan 27 $ 9,194,000 $ 340,518 $ 176,000
Fresno, California 26 $ 6,651,000 $ 255,807 $ 158,000
New Haven, Connecticut 26 $ 6,842,000 $ 263,153 $ 145,000
Duval, Florida 26 $ 10,693,000 $ 411,269 $ 145,000
Westchester, New York 26 $ 16,821,000 $ 646,961 $ 334,000
Queens, New York 25 $ 10,685,000 $ 427,400 $ 190,000
Middlesex, New Jersey 24 $ 7,241,000 $ 301,708 $ 123,000
Santa Barbara, California 23 $ 15,826,000 $ 688,086 $ 371,000
Barnstable, Massachusetts 23 $ 11,159,000 $ 485,173 $ 228,000
Benton, Washington 23 $ 2,327,000 $ 101,173 $ 47,000
Pierce, Washington 23 $ 4,499,000 $ 195,608 $ 65,000
Pinal, Arizona 22 $ 4,820,000 $ 219,090 $ 99,000
New Castle, Delaware 22 $ 4,356,000 $ 198,000 $ 71,000
Washtenaw, Michigan 22 $ 8,429,000 $ 383,136 $ 229,000
Monmouth, New Jersey 22 $ 12,151,000 $ 552,318 $ 335,000
Washington, Oregon 22 $ 4,225,000 $ 192,045 $ 57,000
Lewis, Washington 22 $ 1,672,000 $ 76,000 $ 32,000
Monterey, California 21 $ 12,975,000 $ 617,857 $ 206,000
Hillsborough, New Hampshire 21 $ 5,635,000 $ 268,333 $ 90,000
Essex, New Jersey 21 $ 8,306,000 $ 395,523 $ 125,000
Morris, New Jersey 21 $ 9,839,000 $ 468,523 $ 178,000
Ocean, New Jersey 21 $ 7,883,000 $ 375,380 $ 148,000
Mecklenburg, North Carolina 21 $ 8,182,000 $ 389,619 $ 236,000
Snohomish, Washington 21 $ 5,728,000 $ 272,761 $ 125,000
Sussex, Delaware 20 $ 6,388,000 $ 319,400 $ 143,000
Hennepin, Minnesota 20 $ 7,055,000 $ 352,750 $ 112,000
Spotsylvania, Virginia 20 $ 6,564,000 $ 328,200 $ 74,000
Pima, Arizona 19 $ 4,537,000 $ 238,789 $ 85,000
Passaic, New Jersey 19 $ 6,001,000 $ 315,842 $ 146,000
Providence, Rhode Island 19 $ 4,543,000 $ 239,105 $ 187,000
Stafford, Virginia 19 $ 6,992,000 $ 368,000 $ 107,000
Charlotte, Florida 18 $ 5,534,000 $ 307,444 $ 153,000
Howard, Maryland 18 $ 6,582,000 $ 365,666 $ 123,000
Lane, Oregon 18 $ 1,926,000 $ 107,000 $ 12,000
Salt Lake, Utah 18 $ 4,072,000 $ 226,222 $ 108,000
Grays Harbor, Washington 18 $ 2,027,000 $ 112,611 $ 17,000
Santa Cruz, California 17 $ 8,301,000 $ 488,294 $ 233,000
Brevard, Florida 17 $ 4,240,000 $ 249,411 $ 112,000
Seminole, Florida 17 $ 6,746,000 $ 396,823 $ 148,000
Hudson, New Jersey 17 $ 7,369,000 $ 433,470 $ 216,000
Somerset, New Jersey 17 $ 10,869,000 $ 639,352 $ 217,000
Placer, California 16 $ 7,877,000 $ 492,312 $ 193,000
Washoe, Nevada 16 $ 6,072,000 $ 379,500 $ 177,000
Alexandria, Virginia 16 $ 6,293,000 $ 393,312 $ 158,000
Clark, Washington 16 $ 3,165,000 $ 197,812 $ 102,000
Thurston, Washington 16 $ 1,733,000 $ 108,312 $ 39,000
El Paso, Colorado 15 $ 4,388,000 $ 292,533 $ 119,000
Marion, Florida 15 $ 2,276,000 $ 151,733 $ 59,000
Baltimore City, Maryland 15 $ 2,990,000 $ 199,333 $ 216,000
Macomb, Michigan 15 $ 3,203,000 $ 213,533 $ 73,000
Rockingham, New Hampshire 15 $ 7,472,000 $ 498,133 $ 285,000
Philadelphia, Pennsylvania 15 $ 3,088,000 $ 205,866 $ 93,000
Frederick, Virginia 15 $ 3,955,000 $ 263,666 $ 97,000
Manatee, Florida 14 $ 6,296,000 $ 449,714 $ 188,000
Johnson, Kansas 14 $ 4,087,000 $ 291,928 $ 119,000
Baltimore, Maryland 14 $ 6,435,000 $ 459,642 $ 116,000
Mercer, New Jersey 14 $ 3,821,000 $ 272,928 $ 130,000
Coos, Oregon 14 $ 1,570,000 $ 112,142 $ 75,000
El Dorado, California 13 $ 5,478,000 $ 421,384 $ 138,000
Nevada, California 13 $ 4,600,000 $ 353,846 $ 121,000
Frederick, Maryland 13 $ 4,506,000 $ 346,615 $ 123,000
Bristol, Massachusetts 13 $ 3,843,000 $ 295,615 $ 104,000
Cape May, New Jersey 13 $ 9,833,000 $ 756,384 $ 145,000
Bucks, Pennsylvania 13 $ 5,320,000 $ 409,230 $ 302,000
Chester, Pennsylvania 13 $ 4,398,000 $ 338,307 $ 142,000
Montgomery, Pennsylvania 13 $ 5,580,000 $ 429,230 $ 174,000
Stanislaus, California 12 $ 3,126,000 $ 260,500 $ 94,000
Yolo, California 12 $ 6,051,000 $ 504,250 $ 145,000
Kendall, Illinois 12 $ 3,009,000 $ 250,750 $ 93,000
Bernalillo, New Mexico 12 $ 3,250,000 $ 270,833 $ 119,000
Bronx, New York 12 $ 3,925,000 $ 327,083 $ 101,000
Horry, South Carolina 12 $ 5,148,000 $ 429,000 $ 181,000
Arlington, Virginia 12 $ 5,958,000 $ 496,500 $ 156,000
Yavapai, Arizona 11 $ 2,767,000 $ 251,545 $ 137,000
Napa, California 11 $ 4,796,000 $ 436,000 $ 127,000
Denver, Colorado 11 $ 2,847,000 $ 258,818 $ 88,000
Hartford, Connecticut 11 $ 2,551,000 $ 231,909 $ 90,000
Okaloosa, Florida 11 $ 8,922,000 $ 811,090 $ 323,000
Volusia, Florida 11 $ 4,703,000 $ 427,545 $ 165,000
Fulton, Georgia 11 $ 4,062,000 $ 369,272 $ 149,000
Gallatin, Montana 11 $ 1,788,000 $ 162,545 $ 162,000
Camden, New Jersey 11 $ 2,297,000 $ 208,818 $ 104,000
Union, New Jersey 11 $ 4,748,000 $ 431,636 $ 150,000
Charleston, South Carolina 11 $ 3,778,000 $ 343,454 $ 177,000
Kittitas, Washington 11 $ 1,354,000 $ 123,090 $ 0
St. Johns, Florida 10 $ 4,633,000 $ 463,300 $ 158,000
Park, Montana 10 $ 516,000 $ 51,600 $ 0
Wake, North Carolina 10 $ 2,295,000 $ 229,500 $ 95,000
Cuyahoga, Ohio 10 $ 3,984,000 $ 398,400 $ 170,000
Douglas, Oregon 10 $ 1,139,000 $ 113,900 $ 78,000
Marion, Oregon 10 $ 938,000 $ 93,800 $ 18,000
Umatilla, Oregon 10 $ 806,000 $ 80,600 $ 0
Summit, Utah 10 $ 3,865,000 $ 386,500 $ 161,000
Whatcom, Washington 10 $ 1,836,000 $ 183,600 $ 51,000
Kings, California 9 $ 3,013,000 $ 334,777 $ 158,000
Merced, California 9 $ 2,774,000 $ 308,222 $ 120,000
Tulare, California 9 $ 1,831,000 $ 203,444 $ 103,000
Arapahoe, Colorado 9 $ 2,349,000 $ 261,000 $ 95,000
Douglas, Colorado 9 $ 5,830,000 $ 647,777 $ 177,000
Pasco, Florida 9 $ 3,101,000 $ 344,555 $ 171,000
Cumberland, Maine 9 $ 2,450,000 $ 272,222 $ 117,000
Harford, Maryland 9 $ 2,797,000 $ 310,777 $ 118,000
Burlington, New Jersey 9 $ 2,965,000 $ 329,444 $ 124,000
Rockland, New York 9 $ 4,222,000 $ 469,111 $ 169,000
Clackamas, Oregon 9 $ 2,323,000 $ 258,111 $ 70,000
Travis, Texas 9 $ 1,514,000 $ 168,222 $ 69,000
Utah, Utah 9 $ 2,980,000 $ 331,111 $ 168,000
Asotin, Washington 9 $ 531,000 $ 59,000 $ 0
Grant, Washington 9 $ 850,000 $ 94,444 $ 15,000
San Luis Obispo, California 8 $ 4,647,000 $ 580,875 $ 271,000
Jefferson, Colorado 8 $ 5,642,000 $ 705,250 $ 263,000
Idaho, Idaho 8 $ 633,000 $ 79,125 $ 0
Hampden, Massachusetts 8 $ 1,432,000 $ 179,000 $ 61,000
Gloucester, New Jersey 8 $ 2,172,000 $ 271,500 $ 128,000
Sussex, New Jersey 8 $ 2,212,000 $ 276,500 $ 155,000
Tillamook, Oregon 8 $ 768,000 $ 96,000 $ 0
Yamhill, Oregon 8 $ 1,108,000 $ 138,500 $ 52,000
Washington, Rhode Island 8 $ 1,937,000 $ 242,125 $ 74,000
Chesapeake, Virginia 8 $ 1,743,000 $ 217,875 $ 75,000
Henrico, Virginia 8 $ 1,717,000 $ 214,625 $ 158,000
Virginia Beach, Virginia 8 $ 2,391,000 $ 298,875 $ 147,000
Clallam, Washington 8 $ 596,000 $ 74,500 $ 0
Franklin, Washington 8 $ 736,000 $ 92,000 $ 0
Butte, California 7 $ 1,828,000 $ 261,142 $ 160,000
Lake, California 7 $ 1,763,000 $ 251,857 $ 135,000
Indian River, Florida 7 $ 2,600,000 $ 371,428 $ 80,000
Gwinnett, Georgia 7 $ 2,316,000 $ 330,857 $ 148,000
Dutchess, New York 7 $ 2,841,000 $ 405,857 $ 175,000
Richmond, New York 7 $ 6,094,000 $ 870,571 $ 375,000
Brunswick, North Carolina 7 $ 2,111,000 $ 301,571 $ 430,000
Delaware, Pennsylvania 7 $ 2,696,000 $ 385,142 $ 354,000
Walla Walla, Washington 7 $ 621,000 $ 88,714 $ 0
Humboldt, California 6 $ 1,972,000 $ 328,666 $ 150,000
Mendocino, California 6 $ 2,102,000 $ 350,333 $ 108,000
San Benito, California 6 $ 2,445,000 $ 407,500 $ 99,000
Shasta, California 6 $ 1,292,000 $ 215,333 $ 113,000
Kent, Delaware 6 $ 1,698,000 $ 283,000 $ 72,000
Bay, Florida 6 $ 4,237,000 $ 706,166 $ 310,000
Flagler, Florida 6 $ 1,763,000 $ 293,833 $ 288,000
Leon, Florida 6 $ 745,000 $ 124,166 $ 58,000
DeKalb, Georgia 6 $ 1,008,000 $ 168,000 $ 77,000
Carroll, Maryland 6 $ 1,685,000 $ 280,833 $ 100,000
Queen Anne's, Maryland 6 $ 2,067,000 $ 344,500 $ 100,000
Nantucket, Massachusetts 6 $ 5,808,000 $ 968,000 $ 314,000
Ramsey, Minnesota 6 $ 1,506,000 $ 251,000 $ 102,000
St. Louis, Missouri 6 $ 1,441,000 $ 240,166 $ 87,000
Douglas, Nebraska 6 $ 687,000 $ 114,500 $ 55,000
Washington, New York 6 $ 837,000 $ 139,500 $ 149,000
New Hanover, North Carolina 6 $ 2,842,000 $ 473,666 $ 183,000
Tulsa, Oklahoma 6 $ 1,479,000 $ 246,500 $ 99,000
Curry, Oregon 6 $ 422,000 $ 70,333 $ 0
Allegheny, Pennsylvania 6 $ 1,615,000 $ 269,166 $ 226,000
Lehigh, Pennsylvania 6 $ 1,135,000 $ 189,166 $ 57,000
Fauquier, Virginia 6 $ 2,598,000 $ 433,000 $ 128,000
Adams, Washington 6 $ 455,000 $ 75,833 $ 0
Kitsap, Washington 6 $ 1,598,000 $ 266,333 $ 77,000
Jefferson, Alabama 5 $ 2,099,000 $ 419,800 $ 131,000
Shelby, Alabama 5 $ 1,146,000 $ 229,200 $ 86,000
Madera, California 5 $ 1,233,000 $ 246,600 $ 98,000
Adams, Colorado 5 $ 1,226,000 $ 245,200 $ 90,000
New London, Connecticut 5 $ 1,328,000 $ 265,600 $ 74,000
Clay, Florida 5 $ 1,313,000 $ 262,600 $ 68,000
Cobb, Georgia 5 $ 1,680,000 $ 336,000 $ 173,000
Canyon, Idaho 5 $ 633,000 $ 126,600 $ 0
Madison, Illinois 5 $ 1,911,000 $ 382,200 $ 159,000
Sedgwick, Kansas 5 $ 1,514,000 $ 302,800 $ 130,000
Calvert, Maryland 5 $ 1,827,000 $ 365,400 $ 160,000
Cecil, Maryland 5 $ 1,589,000 $ 317,800 $ 83,000
Charles, Maryland 5 $ 1,596,000 $ 319,200 $ 108,000
Dukes, Massachusetts 5 $ 2,622,000 $ 524,400 $ 417,000
Dakota, Minnesota 5 $ 1,229,000 $ 245,800 $ 94,000
Ravalli, Montana 5 $ 494,000 $ 98,800 $ 0
Atlantic, New Jersey 5 $ 2,028,000 $ 405,600 $ 115,000
Santa Fe, New Mexico 5 $ 1,425,000 $ 285,000 $ 102,000
Erie, New York 5 $ 703,000 $ 140,600 $ 92,000
Orange, New York 5 $ 1,327,000 $ 265,400 $ 47,000
Saratoga, New York 5 $ 840,000 $ 168,000 $ 82,000
Guilford, North Carolina 5 $ 1,505,000 $ 301,000 $ 106,000
Union, North Carolina 5 $ 2,307,000 $ 461,400 $ 118,000
Oklahoma, Oklahoma 5 $ 679,000 $ 135,800 $ 110,000
Benton, Oregon 5 $ 652,000 $ 130,400 $ 46,000
Harney, Oregon 5 $ 270,000 $ 54,000 $ 0
Malheur, Oregon 5 $ 433,000 $ 86,600 $ 15,000
Polk, Oregon 5 $ 363,000 $ 72,600 $ 13,000
Wheeler, Oregon 5 $ 360,000 $ 72,000 $ 0
Berks, Pennsylvania 5 $ 1,488,000 $ 297,600 $ 121,000
Lancaster, Pennsylvania 5 $ 566,000 $ 113,200 $ 61,000
Monroe, Pennsylvania 5 $ 1,241,000 $ 248,200 $ 131,000
York, Pennsylvania 5 $ 1,034,000 $ 206,800 $ 83,000
Davidson, Tennessee 5 $ 1,450,000 $ 290,000 $ 93,000
Shelby, Tennessee 5 $ 4,101,000 $ 820,200 $ 308,000
Chesterfield, Virginia 5 $ 1,491,000 $ 298,200 $ 115,000
Douglas, Washington 5 $ 338,000 $ 67,600 $ 0
Klickitat, Washington 5 $ 313,000 $ 62,600 $ 0
Okanogan, Washington 5 $ 364,000 $ 72,800 $ 0
Whitman, Washington 5 $ 461,000 $ 92,200 $ 21,000
Dane, Wisconsin 5 $ 1,643,000 $ 328,600 $ 124,000
Cochise, Arizona 4 $ 672,000 $ 168,000 $ 66,000
Mohave, Arizona 4 $ 1,040,000 $ 260,000 $ 97,000
Pulaski, Arkansas 4 $ 845,000 $ 211,250 $ 20,000
Amador, California 4 $ 1,288,000 $ 322,000 $ 113,000
Imperial, California 4 $ 959,000 $ 239,750 $ 62,000
Sutter, California 4 $ 995,000 $ 248,750 $ 76,000
Boulder, Colorado 4 $ 1,640,000 $ 410,000 $ 119,000
Sumter, Florida 4 $ 1,435,000 $ 358,750 $ 157,000
DeKalb, Illinois 4 $ 666,000 $ 166,500 $ 85,000
Allen, Indiana 4 $ 782,000 $ 195,500 $ 137,000
Worcester, Maryland 4 $ 1,448,000 $ 362,000 $ 164,000
Berkshire, Massachusetts 4 $ 906,000 $ 226,500 $ 66,000
Hampshire, Massachusetts 4 $ 1,367,000 $ 341,750 $ 109,000
Genesee, Michigan 4 $ 2,835,000 $ 708,750 $ 234,000
Anoka, Minnesota 4 $ 754,000 $ 188,500 $ 74,000
Kanabec, Minnesota 4 $ 1,000,000 $ 250,000 $ 72,000
Scott, Minnesota 4 $ 1,447,000 $ 361,750 $ 95,000
Flathead, Montana 4 $ 2,946,000 $ 736,500 $ 460,000
Hunterdon, New Jersey 4 $ 2,554,000 $ 638,500 $ 248,000
Albany, New York 4 $ 767,000 $ 191,750 $ 112,000
Madison, New York 4 $ 336,000 $ 84,000 $ 47,000
Iredell, North Carolina 4 $ 2,335,000 $ 583,750 $ 198,000
Franklin, Ohio 4 $ 972,000 $ 243,000 $ 209,000
Hamilton, Ohio 4 $ 467,000 $ 116,750 $ 55,000
Clatsop, Oregon 4 $ 1,047,000 $ 261,750 $ 0
Josephine, Oregon 4 $ 432,000 $ 108,000 $ 19,000
Lake, Oregon 4 $ 417,000 $ 104,250 $ 9,000
Union, Oregon 4 $ 344,000 $ 86,000 $ 0
Northampton, Pennsylvania 4 $ 833,000 $ 208,250 $ 100,000
Kent, Rhode Island 4 $ 772,000 $ 193,000 $ 62,000
Beaufort, South Carolina 4 $ 4,739,000 $ 1,184,750 $ 544,000
Greenville, South Carolina 4 $ 677,000 $ 169,250 $ 97,000
Dallas, Texas 4 $ 735,000 $ 183,750 $ 73,000
Harris, Texas 4 $ 3,080,000 $ 770,000 $ 1,712,000
Washington, Utah 4 $ 1,035,000 $ 258,750 $ 96,000
Weber, Utah 4 $ 656,000 $ 164,000 $ 116,000
Manassas, Virginia 4 $ 805,000 $ 201,250 $ 68,000
Montgomery, Virginia 4 $ 1,142,000 $ 285,500 $ 81,000
Mason, Washington 4 $ 463,000 $ 115,750 $ 0
Waukesha, Wisconsin 4 $ 1,462,000 $ 365,500 $ 180,000
Baldwin, Alabama 3 $ 1,106,000 $ 368,666 $ 245,000
Coconino, Arizona 3 $ 610,000 $ 203,333 $ 87,000
Navajo, Arizona 3 $ 390,000 $ 130,000 $ 83,000
Yuma, Arizona 3 $ 610,000 $ 203,333 $ 73,000
Modoc, California 3 $ 106,000 $ 35,333 $ 0
Siskiyou, California 3 $ 186,000 $ 62,000 $ 0
Pitkin, Colorado 3 $ 6,352,000 $ 2,117,333 $ 725,000
Tolland, Connecticut 3 $ 719,000 $ 239,666 $ 143,000
Windham, Connecticut 3 $ 1,188,000 $ 396,000 $ 143,000
Alachua, Florida 3 $ 408,000 $ 136,000 $ 55,000
Escambia, Florida 3 $ 970,000 $ 323,333 $ 131,000
Hernando, Florida 3 $ 692,000 $ 230,666 $ 91,000
Highlands, Florida 3 $ 1,204,000 $ 401,333 $ 232,000
Walton, Florida 3 $ 993,000 $ 331,000 $ 137,000
Kootenai, Idaho 3 $ 412,000 $ 137,333 $ 22,000
Lewis, Idaho 3 $ 174,000 $ 58,000 $ 0
Nez Perce, Idaho 3 $ 415,000 $ 138,333 $ 0
Hamilton, Indiana 3 $ 1,777,000 $ 592,333 $ 222,000
Marion, Indiana 3 $ 871,000 $ 290,333 $ 167,000
Dallas, Iowa 3 $ 371,000 $ 123,666 $ 80,000
Polk, Iowa 3 $ 645,000 $ 215,000 $ 122,000
Douglas, Kansas 3 $ 646,000 $ 215,333 $ 109,000
Shawnee, Kansas 3 $ 344,000 $ 114,666 $ 73,000
Jefferson, Kentucky 3 $ 469,000 $ 156,333 $ 59,000
York, Maine 3 $ 912,000 $ 304,000 $ 78,000
Kent, Michigan 3 $ 460,000 $ 153,333 $ 135,000
Livingston, Michigan 3 $ 2,054,000 $ 684,666 $ 174,000
Wexford, Michigan 3 $ 754,000 $ 251,333 $ 195,000
Olmsted, Minnesota 3 $ 859,000 $ 286,333 $ 143,000
Washington, Minnesota 3 $ 922,000 $ 307,333 $ 103,000
Madison, Mississippi 3 $ 595,000 $ 198,333 $ 94,000
Rankin, Mississippi 3 $ 1,894,000 $ 631,333 $ 324,000
Jackson, Missouri 3 $ 1,170,000 $ 390,000 $ 169,000
Jefferson, Missouri 3 $ 368,000 $ 122,666 $ 44,000
Missoula, Montana 3 $ 182,000 $ 60,666 $ 0
Onondaga, New York 3 $ 500,000 $ 166,666 $ 158,000
Ulster, New York 3 $ 903,000 $ 301,000 $ 135,000
Onslow, North Carolina 3 $ 1,224,000 $ 408,000 $ 158,000
Lorain, Ohio 3 $ 730,000 $ 243,333 $ 219,000
Lucas, Ohio 3 $ 754,000 $ 251,333 $ 114,000
Canadian, Oklahoma 3 $ 488,000 $ 162,666 $ 56,000
Cleveland, Oklahoma 3 $ 460,000 $ 153,333 $ 100,000
Jefferson, Oregon 3 $ 146,000 $ 48,666 $ 0
Morrow, Oregon 3 $ 160,000 $ 53,333 $ 0
Butler, Pennsylvania 3 $ 542,000 $ 180,666 $ 72,000
Franklin, Pennsylvania 3 $ 593,000 $ 197,666 $ 94,000
Pike, Pennsylvania 3 $ 550,000 $ 183,333 $ 89,000
Bristol, Rhode Island 3 $ 1,679,000 $ 559,666 $ 153,000
Newport, Rhode Island 3 $ 1,497,000 $ 499,000 $ 321,000
Berkeley, South Carolina 3 $ 743,000 $ 247,666 $ 45,000
Collin, Texas 3 $ 523,000 $ 174,333 $ 113,000
Denton, Texas 3 $ 1,755,000 $ 585,000 $ 256,000
Davis, Utah 3 $ 846,000 $ 282,000 $ 109,000
Augusta, Virginia 3 $ 684,000 $ 228,000 $ 22,000
Culpeper, Virginia 3 $ 897,000 $ 299,000 $ 97,000
Manassas Park, Virginia 3 $ 971,000 $ 323,666 $ 78,000
Newport News, Virginia 3 $ 651,000 $ 217,000 $ 87,000
Norfolk, Virginia 3 $ 765,000 $ 255,000 $ 69,000
Warren, Virginia 3 $ 1,155,000 $ 385,000 $ 107,000
Winchester, Virginia 3 $ 879,000 $ 293,000 $ 117,000
Raleigh, West Virginia 3 $ 234,000 $ 78,000 $ 49,000
Milwaukee, Wisconsin 3 $ 964,000 $ 321,333 $ 191,000
Limestone, Alabama 2 $ 516,000 $ 258,000 $ 76,000
Madison, Alabama 2 $ 565,000 $ 282,500 $ 541,000
Mobile, Alabama 2 $ 262,000 $ 131,000 $ 180,000
Anchorage, Alaska 2 $ 132,000 $ 66,000 $ 0
Calaveras, California 2 $ 793,000 $ 396,500 $ 125,000
Del Norte, California 2 $ 552,000 $ 276,000 $ 176,000
Mariposa, California 2 $ 302,000 $ 151,000 $ 45,000
Plumas, California 2 $ 536,000 $ 268,000 $ 183,000
Tuolumne, California 2 $ 555,000 $ 277,500 $ 84,000
Yuba, California 2 $ 371,000 $ 185,500 $ 44,000
Grand, Colorado 2 $ 1,252,000 $ 626,000 $ 301,000
La Plata, Colorado 2 $ 1,299,000 $ 649,500 $ 564,000
Larimer, Colorado 2 $ 198,000 $ 99,000 $ 97,000
Summit, Colorado 2 $ 887,000 $ 443,500 $ 83,000
Middlesex, Connecticut 2 $ 355,000 $ 177,500 $ 104,000
Franklin, Florida 2 $ 1,024,000 $ 512,000 $ 600,000
Santa Rosa, Florida 2 $ 677,000 $ 338,500 $ 105,000
Douglas, Georgia 2 $ 295,000 $ 147,500 $ 88,000
Paulding, Georgia 2 $ 335,000 $ 167,500 $ 79,000
Adams, Idaho 2 $ 85,000 $ 42,500 $ 0
Benewah, Idaho 2 $ 95,000 $ 47,500 $ 0
Gooding, Idaho 2 $ 244,000 $ 122,000 $ 17,000
Latah, Idaho 2 $ 126,000 $ 63,000 $ 0
Valley, Idaho 2 $ 167,000 $ 83,500 $ 0
McLean, Illinois 2 $ 322,000 $ 161,000 $ 153,000
St. Clair, Illinois 2 $ 260,000 $ 130,000 $ 85,000
Leavenworth, Kansas 2 $ 330,000 $ 165,000 $ 68,000
Wyandotte, Kansas 2 $ 375,000 $ 187,500 $ 83,000
Fayette, Kentucky 2 $ 509,000 $ 254,500 $ 83,000
Lafayette, Louisiana 2 $ 324,000 $ 162,000 $ 69,000
Orleans, Louisiana 2 $ 186,000 $ 93,000 $ 99,000
Hancock, Maine 2 $ 210,000 $ 105,000 $ 53,000
Kennebec, Maine 2 $ 339,000 $ 169,500 $ 48,000
Penobscot, Maine 2 $ 257,000 $ 128,500 $ 90,000
Somerset, Maine 2 $ 193,000 $ 96,500 $ 61,000
St. Mary's, Maryland 2 $ 478,000 $ 239,000 $ 44,000
Eaton, Michigan 2 $ 220,000 $ 110,000 $ 690,000
Jackson, Michigan 2 $ 303,000 $ 151,500 $ 31,000
Leelanau, Michigan 2 $ 441,000 $ 220,500 $ 129,000
Monroe, Michigan 2 $ 431,000 $ 215,500 $ 74,000
Ottawa, Michigan 2 $ 1,265,000 $ 632,500 $ 277,000
Carlton, Minnesota 2 $ 710,000 $ 355,000 $ 115,000
Cass, Missouri 2 $ 326,000 $ 163,000 $ 64,000
Greene, Missouri 2 $ 200,000 $ 100,000 $ 50,000
Laclede, Missouri 2 $ 273,000 $ 136,500 $ 67,000
Platte, Missouri 2 $ 531,000 $ 265,500 $ 87,000
Lyon, Nevada 2 $ 333,000 $ 166,500 $ 50,000
Cheshire, New Hampshire 2 $ 722,000 $ 361,000 $ 168,000
Grafton, New Hampshire 2 $ 510,000 $ 255,000 $ 205,000
Merrimack, New Hampshire 2 $ 654,000 $ 327,000 $ 96,000
Strafford, New Hampshire 2 $ 794,000 $ 397,000 $ 33,000
Warren, New Jersey 2 $ 580,000 $ 290,000 $ 92,000
Niagara, New York 2 $ 201,000 $ 100,500 $ 70,000
Putnam, New York 2 $ 870,000 $ 435,000 $ 201,000
Currituck, North Carolina 2 $ 541,000 $ 270,500 $ 106,000
Dare, North Carolina 2 $ 1,010,000 $ 505,000 $ 270,000
Durham, North Carolina 2 $ 657,000 $ 328,500 $ 135,000
Forsyth, North Carolina 2 $ 290,000 $ 145,000 $ 125,000
Gaston, North Carolina 2 $ 758,000 $ 379,000 $ 117,000
Lincoln, North Carolina 2 $ 540,000 $ 270,000 $ 153,000
Wilkes, North Carolina 2 $ 406,000 $ 203,000 $ 75,000
Ashland, Ohio 2 $ 445,000 $ 222,500 $ 90,000
Columbiana, Ohio 2 $ 95,000 $ 47,500 $ 43,000
Delaware, Ohio 2 $ 639,000 $ 319,500 $ 183,000
Geauga, Ohio 2 $ 4,132,000 $ 2,066,000 $ 504,000
Hancock, Ohio 2 $ 200,000 $ 100,000 $ 105,000
Mahoning, Ohio 2 $ 476,000 $ 238,000 $ 111,000
Montgomery, Ohio 2 $ 221,000 $ 110,500 $ 55,000
Portage, Ohio 2 $ 210,000 $ 105,000 $ 49,000
Summit, Ohio 2 $ 394,000 $ 197,000 $ 274,000
Trumbull, Ohio 2 $ 182,000 $ 91,000 $ 25,000
Stephens, Oklahoma 2 $ 162,000 $ 81,000 $ 59,000
Crook, Oregon 2 $ 231,000 $ 115,500 $ 0
Lincoln, Oregon 2 $ 941,000 $ 470,500 $ 505,000
Linn, Oregon 2 $ 161,000 $ 80,500 $ 0
Cumberland, Pennsylvania 2 $ 842,000 $ 421,000 $ 210,000
Fayette, Pennsylvania 2 $ 100,000 $ 50,000 $ 46,000
Lackawanna, Pennsylvania 2 $ 141,000 $ 70,500 $ 15,000
Wayne, Pennsylvania 2 $ 242,000 $ 121,000 $ 100,000
Dorchester, South Carolina 2 $ 412,000 $ 206,000 $ 81,000
Minnehaha, South Dakota 2 $ 311,000 $ 155,500 $ 33,000
Yankton, South Dakota 2 $ 78,000 $ 39,000 $ 121,000
Rutherford, Tennessee 2 $ 298,000 $ 149,000 $ 86,000
Sullivan, Tennessee 2 $ 384,000 $ 192,000 $ 121,000
Brazoria, Texas 2 $ 393,000 $ 196,500 $ 120,000
El Paso, Texas 2 $ 130,000 $ 65,000 $ 78,000
Kerr, Texas 2 $ 460,000 $ 230,000 $ 367,000
Tarrant, Texas 2 $ 180,000 $ 90,000 $ 53,000
Chittenden, Vermont 2 $ 603,000 $ 301,500 $ 131,000
Lamoille, Vermont 2 $ 1,280,000 $ 640,000 $ 282,000
Windham, Vermont 2 $ 614,000 $ 307,000 $ 89,000
Windsor, Vermont 2 $ 525,000 $ 262,500 $ 266,000
Bedford, Virginia 2 $ 1,275,000 $ 637,500 $ 276,000
Fairfax City, Virginia 2 $ 1,018,000 $ 509,000 $ 124,000
Fluvanna, Virginia 2 $ 439,000 $ 219,500 $ 99,000
Fredericksburg, Virginia 2 $ 508,000 $ 254,000 $ 125,000
Nelson, Virginia 2 $ 721,000 $ 360,500 $ 211,000
Portsmouth, Virginia 2 $ 682,000 $ 341,000 $ 137,000
Richmond City, Virginia 2 $ 366,000 $ 183,000 $ 68,000
Rockingham, Virginia 2 $ 970,000 $ 485,000 $ 155,000
Island, Washington 2 $ 366,000 $ 183,000 $ 22,000
Stevens, Washington 2 $ 286,000 $ 143,000 $ 0
Berkeley, West Virginia 2 $ 329,000 $ 164,500 $ 76,000
Hampshire, West Virginia 2 $ 180,000 $ 90,000 $ 40,000
Monongalia, West Virginia 2 $ 140,000 $ 70,000 $ 72,000
Walworth, Wisconsin 2 $ 832,000 $ 416,000 $ 241,000
Sheridan, Wyoming 2 $ 358,000 $ 179,000 $ 63,000
Clarke, Alabama 1 $ 84,000 $ 84,000 $ 21,000
Cleburne, Alabama 1 $ 100,000 $ 100,000 $ 34,000
Covington, Alabama 1 $ 89,000 $ 89,000 $ 48,000
Dale, Alabama 1 $ 120,000 $ 120,000 $ 0
DeKalb, Alabama 1 $ 160,000 $ 160,000 $ 91,000
Houston, Alabama 1 $ 25,000 $ 25,000 $ 46,000
Jackson, Alabama 1 $ 111,000 $ 111,000 $ 67,000
Lee, Alabama 1 $ 116,000 $ 116,000 $ 181,000
Montgomery, Alabama 1 $ 42,000 $ 42,000 $ 48,000
Pickens, Alabama 1 $ 65,000 $ 65,000 $ 75,000
Columbia, Arkansas 1 $ 44,000 $ 44,000 $ 34,000
Faulkner, Arkansas 1 $ 198,000 $ 198,000 $ 134,000
Howard, Arkansas 1 $ 98,000 $ 98,000 $ 71,000
Lonoke, Arkansas 1 $ 210,000 $ 210,000 $ 72,000
Glenn, California 1 $ 240,000 $ 240,000 $ 113,000
Lassen, California 1 $ 152,000 $ 152,000 $ 56,000
Tehama, California 1 $ 195,000 $ 195,000 $ 33,000
Conejos, Colorado 1 $ 114,000 $ 114,000 $ 38,000
Elbert, Colorado 1 $ 440,000 $ 440,000 $ 162,000
Garfield, Colorado 1 $ 1,943,000 $ 1,943,000 $ 540,000
Montrose, Colorado 1 $ 140,000 $ 140,000 $ 84,000
Pueblo, Colorado 1 $ 440,000 $ 440,000 $ 115,000
Routt, Colorado 1 $ 137,000 $ 137,000 $ 66,000
Weld, Colorado 1 $ 229,000 $ 229,000 $ 84,000
Litchfield, Connecticut 1 $ 172,000 $ 172,000 $ 62,000
DeSoto, Florida 1 $ 125,000 $ 125,000 $ 72,000
Glades, Florida 1 $ 239,000 $ 239,000 $ 773,000
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Mortgage Loan Application Detail Totals for Lydian Private Bank in 2005

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 6,135 $2,383,911,000 $308,901 $10,250,000 $137,960 $7,031,000
Home Purchase 4,217 $1,528,919,000 $274,058 $8,550,000 $141,470 $9,396,000
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 4,965 $2,157,876,000 $314,306 $10,250,000 $159,755 $7,031,000
Not Provided 2,315 $934,480,000 $337,893 $3,250,000 $142,808 $9,396,000
Not applicable 1,506 $236,261,000 $169,166 $5,500,000 $31,750 $2,100,000
Hispanic 620 $208,816,000 $243,607 $2,113,000 $105,535 $1,437,000
Asian 550 $220,676,000 $273,757 $2,438,000 $136,303 $1,975,000
Black or African American 333 $120,928,000 $376,156 $3,075,000 $353,187 $7,000,000
Native Hawaiian or Other Pacific Islander 49 $29,521,000 $574,000 $4,500,000 $222,230 $1,237,000
American Indian or Alaskan Native 14 $4,272,000 $308,416 $920,000 $116,083 $363,000

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) 10,352 $3,912,830,000 $286,254 $10,250,000 $139,392 $9,396,000
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 4,488 $1,708,329,000 $294,521 $5,500,000 $134,913 $7,000,000
Application Denied By Financial Institution 1,686 $909,568,000 $382,729 $10,250,000 $192,937 $9,396,000
Loan Purchased By The Institution 1,500 $226,937,000 $146,833 $3,869,000 $0 $0
Application Approved But Not Accepted 1,343 $547,300,000 $292,930 $3,998,000 $138,116 $4,200,000
Application Withdrawn By Applicant 1,040 $427,024,000 $279,541 $8,550,000 $133,375 $3,000,000
Preapproval Approved but not Accepted 115 $42,065,000 $365,000 $1,495,000 $109,000 $769,000
File Closed For Incompleteness 96 $27,688,000 $261,058 $2,811,000 $132,382 $821,000
Preapproval Denied by Financial Institution 84 $23,919,000 $284,000 $1,450,000 $171,000 $1,248,000

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 747 $427,858,000 $473,000 $10,250,000 $216,925 $6,624,000
Credit History 361 $129,200,000 $286,523 $3,000,000 $110,309 $1,800,000
Debt-To-Income Ratio 280 $129,084,000 $413,034 $3,895,000 $111,793 $1,776,000
Collateral 192 $116,469,000 $556,787 $5,115,000 $251,484 $2,436,000
Unverifiable Information 61 $42,016,000 $544,900 $4,125,000 $227,550 $1,500,000
Employment History 57 $25,085,000 $500,312 $3,075,000 $168,687 $1,010,000
Credit Application Incomplete 52 $57,810,000 $1,139,466 $6,563,000 $822,800 $9,396,000
Insufficient Cash (Downpayment, Closing Cost) 19 $5,381,000 $232,800 $583,000 $109,100 $202,000
Mortgage Insurance Denied 1 $584,000 $584,000 $584,000 $187,000 $187,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Lydian Private Bank's 2005 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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