Lydian Private Bank Mortgage Lending & HMDA Data, 2006

In 2006, Lydian Private Bank of Palm Beach Gardens, FL reported 13,195 mortgage applications totaling $4.4 billion, up 27% from 2005. The average application was for $335,429, and applicants reported an average income of $147,000. 51% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (752), San Diego-Carlsbad-San Marcos, CA (668) and New York-White Plains-Wayne, NY-NJ (598) (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 13,195
Total Mortgage Loan Application Amount $4,425,995,000
Average Mortgage Loan Application Amount $335,429
Highest Mortgage Loan Application Amount $10,000,000
Average Applicant Income $147,000
Highest Applicant Income $9,500,000

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Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

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 752 $ 332,189,000 $ 441,740 $ 154,000
San Diego, California 668 $ 311,079,000 $ 465,687 $ 166,000
Palm Beach, Florida 476 $ 178,165,000 $ 374,296 $ 188,000
Maricopa, Arizona 427 $ 128,308,000 $ 300,487 $ 127,000
Orange, California 387 $ 194,637,000 $ 502,937 $ 176,000
Broward, Florida 323 $ 113,462,000 $ 351,275 $ 164,000
Cook, Illinois 297 $ 79,470,000 $ 267,575 $ 113,000
Riverside, California 287 $ 99,204,000 $ 345,658 $ 135,000
Miami-Dade, Florida 200 $ 72,193,000 $ 360,965 $ 148,000
San Bernardino, California 199 $ 58,265,000 $ 292,788 $ 118,000
Fairfield, Connecticut 142 $ 64,434,000 $ 453,760 $ 175,000
Alameda, California 139 $ 66,882,000 $ 481,165 $ 164,000
King, Washington 137 $ 43,417,000 $ 316,912 $ 121,000
Santa Clara, California 135 $ 71,088,000 $ 526,577 $ 151,000
Contra Costa, California 130 $ 56,242,000 $ 432,630 $ 167,000
Middlesex, Massachusetts 123 $ 37,106,000 $ 301,674 $ 131,000
Queens, New York 122 $ 49,665,000 $ 407,090 $ 161,000
Orange, Florida 120 $ 31,935,000 $ 266,125 $ 97,000
Polk, Florida 119 $ 24,952,000 $ 209,680 $ 36,000
Kings, New York 113 $ 56,257,000 $ 497,849 $ 177,000
Clark, Nevada 107 $ 36,581,000 $ 341,878 $ 158,000
Montgomery, Maryland 101 $ 42,221,000 $ 418,029 $ 165,000
Lee, Florida 99 $ 32,932,000 $ 332,646 $ 199,000
Fairfax, Virginia 96 $ 42,701,000 $ 444,802 $ 142,000
Collier, Florida 94 $ 49,332,000 $ 524,808 $ 266,000
Hillsborough, Florida 94 $ 33,803,000 $ 359,606 $ 154,000
Nassau, New York 91 $ 37,665,000 $ 413,901 $ 167,000
Prince George's, Maryland 88 $ 26,849,000 $ 305,102 $ 127,000
Suffolk, New York 83 $ 47,682,000 $ 574,481 $ 312,000
Bergen, New Jersey 75 $ 28,726,000 $ 383,013 $ 163,000
Sacramento, California 73 $ 21,611,000 $ 296,041 $ 117,000
Osceola, Florida 72 $ 21,663,000 $ 300,875 $ 61,000
Worcester, Massachusetts 72 $ 15,024,000 $ 208,666 $ 89,000
New Haven, Connecticut 70 $ 15,335,000 $ 219,071 $ 105,000
Middlesex, New Jersey 69 $ 18,420,000 $ 266,956 $ 109,000
Pinellas, Florida 67 $ 21,916,000 $ 327,104 $ 166,000
Ventura, California 63 $ 29,380,000 $ 466,349 $ 191,000
Baltimore, Maryland 63 $ 17,416,000 $ 276,444 $ 118,000
Ocean, New Jersey 60 $ 19,347,000 $ 322,450 $ 137,000
Anne Arundel, Maryland 56 $ 22,849,000 $ 408,017 $ 182,000
Essex, Massachusetts 56 $ 16,394,000 $ 292,750 $ 133,000
Monmouth, New Jersey 55 $ 28,164,000 $ 512,072 $ 252,000
DuPage, Illinois 54 $ 14,667,000 $ 271,611 $ 101,000
Salt Lake, Utah 54 $ 12,660,000 $ 234,444 $ 123,000
San Joaquin, California 53 $ 19,054,000 $ 359,509 $ 130,000
Lake, Illinois 52 $ 15,822,000 $ 304,269 $ 136,000
Kern, California 50 $ 12,231,000 $ 244,620 $ 102,000
Will, Illinois 49 $ 11,132,000 $ 227,183 $ 95,000
Westchester, New York 49 $ 26,744,000 $ 545,795 $ 226,000
Essex, New Jersey 48 $ 15,991,000 $ 333,145 $ 130,000
Rockland, New York 47 $ 15,056,000 $ 320,340 $ 118,000
Snohomish, Washington 47 $ 12,426,000 $ 264,382 $ 95,000
San Mateo, California 46 $ 28,036,000 $ 609,478 $ 177,000
Seminole, Florida 46 $ 10,685,000 $ 232,282 $ 96,000
Prince William, Virginia 46 $ 17,644,000 $ 383,565 $ 151,000
Hartford, Connecticut 45 $ 8,157,000 $ 181,266 $ 86,000
New York, New York 45 $ 34,683,000 $ 770,733 $ 824,000
Utah, Utah 45 $ 11,679,000 $ 259,533 $ 122,000
New Castle, Delaware 44 $ 9,999,000 $ 227,250 $ 94,000
Richmond, New York 44 $ 14,427,000 $ 327,886 $ 136,000
Oakland, Michigan 43 $ 16,034,000 $ 372,883 $ 189,000
St. Lucie, Florida 42 $ 10,013,000 $ 238,404 $ 157,000
Pima, Arizona 41 $ 9,346,000 $ 227,951 $ 117,000
Lake, Florida 41 $ 10,873,000 $ 265,195 $ 99,000
Hudson, New Jersey 41 $ 13,777,000 $ 336,024 $ 156,000
Pinal, Arizona 40 $ 9,418,000 $ 235,450 $ 96,000
Monroe, Florida 40 $ 26,996,000 $ 674,900 $ 398,000
Hillsborough, New Hampshire 38 $ 7,835,000 $ 206,184 $ 103,000
Sonoma, California 37 $ 14,438,000 $ 390,216 $ 190,000
Fulton, Georgia 37 $ 12,243,000 $ 330,891 $ 167,000
Norfolk, Massachusetts 37 $ 12,422,000 $ 335,729 $ 145,000
Suffolk, Massachusetts 37 $ 13,893,000 $ 375,486 $ 186,000
Wayne, Michigan 37 $ 6,685,000 $ 180,675 $ 129,000
Montgomery, Pennsylvania 37 $ 9,121,000 $ 246,513 $ 118,000
Loudoun, Virginia 37 $ 17,307,000 $ 467,756 $ 183,000
Solano, California 36 $ 13,930,000 $ 386,944 $ 124,000
Martin, Florida 36 $ 12,910,000 $ 358,611 $ 171,000
Mecklenburg, North Carolina 36 $ 10,976,000 $ 304,888 $ 157,000
Baltimore City, Maryland 34 $ 6,973,000 $ 205,088 $ 80,000
Plymouth, Massachusetts 34 $ 10,925,000 $ 321,323 $ 123,000
Rockingham, New Hampshire 34 $ 7,451,000 $ 219,147 $ 100,000
Union, New Jersey 34 $ 10,714,000 $ 315,117 $ 135,000
Chester, Pennsylvania 34 $ 10,232,000 $ 300,941 $ 139,000
Harris, Texas 34 $ 5,095,000 $ 149,852 $ 122,000
Bristol, Massachusetts 33 $ 7,639,000 $ 231,484 $ 96,000
Kane, Illinois 32 $ 7,811,000 $ 244,093 $ 96,000
Fresno, California 31 $ 7,927,000 $ 255,709 $ 171,000
District of Columbia, District Of Columbia 31 $ 12,036,000 $ 388,258 $ 133,000
Brevard, Florida 30 $ 9,442,000 $ 314,733 $ 141,000
Wake, North Carolina 30 $ 5,472,000 $ 182,400 $ 146,000
Manatee, Florida 29 $ 8,349,000 $ 287,896 $ 148,000
Sarasota, Florida 29 $ 10,204,000 $ 351,862 $ 141,000
Morris, New Jersey 29 $ 14,776,000 $ 509,517 $ 286,000
Bronx, New York 28 $ 10,835,000 $ 386,964 $ 126,000
Marin, California 27 $ 17,358,000 $ 642,888 $ 294,000
Passaic, New Jersey 27 $ 9,803,000 $ 363,074 $ 118,000
Providence, Rhode Island 27 $ 6,610,000 $ 244,814 $ 100,000
San Francisco, California 26 $ 17,306,000 $ 665,615 $ 216,000
Santa Barbara, California 26 $ 10,610,000 $ 408,076 $ 123,000
Duval, Florida 26 $ 4,922,000 $ 189,307 $ 305,000
Howard, Maryland 26 $ 11,167,000 $ 429,500 $ 180,000
Strafford, New Hampshire 26 $ 4,520,000 $ 173,846 $ 83,000
El Dorado, California 25 $ 9,331,000 $ 373,240 $ 131,000
Pasco, Florida 25 $ 4,681,000 $ 187,240 $ 89,000
Caroline, Maryland 25 $ 4,469,000 $ 178,760 $ 77,000
Pierce, Washington 25 $ 5,032,000 $ 201,280 $ 84,000
Douglas, Colorado 24 $ 7,385,000 $ 307,708 $ 156,000
Frederick, Maryland 24 $ 8,726,000 $ 363,583 $ 104,000
Multnomah, Oregon 24 $ 6,049,000 $ 252,041 $ 120,000
Bucks, Pennsylvania 24 $ 5,221,000 $ 217,541 $ 110,000
Monterey, California 23 $ 16,715,000 $ 726,739 $ 327,000
Stanislaus, California 23 $ 6,321,000 $ 274,826 $ 110,000
Volusia, Florida 23 $ 4,806,000 $ 208,956 $ 129,000
Philadelphia, Pennsylvania 23 $ 3,460,000 $ 150,434 $ 76,000
Denver, Colorado 22 $ 6,305,000 $ 286,590 $ 99,000
DeKalb, Georgia 22 $ 4,156,000 $ 188,909 $ 118,000
Gwinnett, Georgia 22 $ 5,394,000 $ 245,181 $ 189,000
Mercer, New Jersey 22 $ 6,758,000 $ 307,181 $ 174,000
Franklin, Ohio 22 $ 4,036,000 $ 183,454 $ 84,000
Northampton, Pennsylvania 22 $ 3,939,000 $ 179,045 $ 99,000
Johnson, Kansas 21 $ 4,275,000 $ 203,571 $ 116,000
York, Maine 21 $ 4,858,000 $ 231,333 $ 111,000
St. Louis, Missouri 21 $ 4,302,000 $ 204,857 $ 106,000
Washoe, Nevada 21 $ 6,619,000 $ 315,190 $ 158,000
Burlington, New Jersey 21 $ 6,295,000 $ 299,761 $ 149,000
Camden, New Jersey 21 $ 3,629,000 $ 172,809 $ 96,000
Dallas, Texas 21 $ 4,372,000 $ 208,190 $ 150,000
Imperial, California 20 $ 3,587,000 $ 179,350 $ 566,000
Placer, California 20 $ 7,324,000 $ 366,200 $ 142,000
Tulare, California 20 $ 3,471,000 $ 173,550 $ 79,000
San Luis Obispo, California 19 $ 9,182,000 $ 483,263 $ 172,000
El Paso, Colorado 19 $ 6,010,000 $ 316,315 $ 154,000
Harford, Maryland 19 $ 4,568,000 $ 240,421 $ 103,000
Barnstable, Massachusetts 19 $ 11,115,000 $ 585,000 $ 124,000
Livingston, Michigan 19 $ 6,149,000 $ 323,631 $ 146,000
Bernalillo, New Mexico 19 $ 3,330,000 $ 175,263 $ 113,000
Dutchess, New York 19 $ 4,685,000 $ 246,578 $ 89,000
Luzerne, Pennsylvania 19 $ 2,337,000 $ 123,000 $ 103,000
Merrimack, New Hampshire 18 $ 3,195,000 $ 177,500 $ 85,000
Cape May, New Jersey 18 $ 7,299,000 $ 405,500 $ 208,000
Cuyahoga, Ohio 18 $ 3,992,000 $ 221,777 $ 91,000
Delaware, Pennsylvania 18 $ 4,897,000 $ 272,055 $ 115,000
Travis, Texas 18 $ 4,276,000 $ 237,555 $ 174,000
Spotsylvania, Virginia 18 $ 4,214,000 $ 234,111 $ 88,000
Cobb, Georgia 17 $ 3,184,000 $ 187,294 $ 139,000
Ada, Idaho 17 $ 2,975,000 $ 175,000 $ 459,000
Somerset, New Jersey 17 $ 5,485,000 $ 322,647 $ 187,000
Allegheny, Pennsylvania 17 $ 4,375,000 $ 257,352 $ 135,000
Arapahoe, Colorado 16 $ 3,048,000 $ 190,500 $ 98,000
Boulder, Colorado 16 $ 3,776,000 $ 236,000 $ 138,000
Macomb, Michigan 16 $ 2,451,000 $ 153,187 $ 98,000
Arlington, Virginia 16 $ 8,031,000 $ 501,937 $ 198,000
Frederick, Virginia 16 $ 4,484,000 $ 280,250 $ 92,000
Napa, California 15 $ 6,090,000 $ 406,000 $ 195,000
Sussex, Delaware 15 $ 5,635,000 $ 375,666 $ 171,000
Indian River, Florida 15 $ 4,834,000 $ 322,266 $ 269,000
Jackson, Missouri 15 $ 2,902,000 $ 193,466 $ 83,000
Lehigh, Pennsylvania 15 $ 3,321,000 $ 221,400 $ 88,000
Milwaukee, Wisconsin 15 $ 2,353,000 $ 156,866 $ 78,000
Charles, Maryland 14 $ 3,451,000 $ 246,500 $ 101,000
Hampden, Massachusetts 14 $ 2,501,000 $ 178,642 $ 68,000
Washtenaw, Michigan 14 $ 3,898,000 $ 278,428 $ 113,000
Hennepin, Minnesota 14 $ 8,119,000 $ 579,928 $ 217,000
Tulsa, Oklahoma 14 $ 1,839,000 $ 131,357 $ 73,000
Santa Cruz, California 13 $ 6,081,000 $ 467,769 $ 161,000
Bay, Florida 13 $ 5,974,000 $ 459,538 $ 290,000
Escambia, Florida 13 $ 2,478,000 $ 190,615 $ 121,000
Shelby, Tennessee 13 $ 2,302,000 $ 177,076 $ 99,000
San Benito, California 12 $ 5,402,000 $ 450,166 $ 161,000
Jefferson, Colorado 12 $ 3,233,000 $ 269,416 $ 130,000
Middlesex, Connecticut 12 $ 3,192,000 $ 266,000 $ 113,000
Calvert, Maryland 12 $ 3,334,000 $ 277,833 $ 88,000
Carroll, Maryland 12 $ 3,622,000 $ 301,833 $ 118,000
St. Mary's, Maryland 12 $ 3,595,000 $ 299,583 $ 100,000
Washington, Maryland 12 $ 2,103,000 $ 175,250 $ 86,000
Belknap, New Hampshire 12 $ 4,301,000 $ 358,416 $ 131,000
Washington, Oregon 12 $ 2,672,000 $ 222,666 $ 97,000
Stafford, Virginia 12 $ 3,450,000 $ 287,500 $ 101,000
Whatcom, Washington 12 $ 3,509,000 $ 292,416 $ 117,000
Butte, California 11 $ 2,498,000 $ 227,090 $ 81,000
Adams, Colorado 11 $ 2,137,000 $ 194,272 $ 98,000
Charlotte, Florida 11 $ 3,332,000 $ 302,909 $ 122,000
McHenry, Illinois 11 $ 2,609,000 $ 237,181 $ 101,000
Queen Anne's, Maryland 11 $ 3,903,000 $ 354,818 $ 200,000
Atlantic, New Jersey 11 $ 3,870,000 $ 351,818 $ 93,000
Clackamas, Oregon 11 $ 2,423,000 $ 220,272 $ 97,000
York, Pennsylvania 11 $ 1,618,000 $ 147,090 $ 72,000
Washington, Rhode Island 11 $ 3,908,000 $ 355,272 $ 99,000
Hamilton, Tennessee 11 $ 2,240,000 $ 203,636 $ 137,000
Navajo, Arizona 10 $ 1,947,000 $ 194,700 $ 156,000
Yavapai, Arizona 10 $ 3,383,000 $ 338,300 $ 151,000
Lake, California 10 $ 2,848,000 $ 284,800 $ 86,000
Sutter, California 10 $ 2,510,000 $ 251,000 $ 100,000
New London, Connecticut 10 $ 2,192,000 $ 219,200 $ 96,000
Flagler, Florida 10 $ 2,568,000 $ 256,800 $ 167,000
Marion, Florida 10 $ 2,449,000 $ 244,900 $ 101,000
St. Johns, Florida 10 $ 4,318,000 $ 431,800 $ 102,000
Kendall, Illinois 10 $ 2,157,000 $ 215,700 $ 88,000
Winnebago, Illinois 10 $ 1,067,000 $ 106,700 $ 60,000
Cumberland, Maine 10 $ 3,297,000 $ 329,700 $ 168,000
Dorchester, Maryland 10 $ 2,243,000 $ 224,300 $ 79,000
Sussex, New Jersey 10 $ 2,808,000 $ 280,800 $ 126,000
Hamilton, Ohio 10 $ 2,477,000 $ 247,700 $ 70,000
Summit, Ohio 10 $ 1,947,000 $ 194,700 $ 102,000
Lane, Oregon 10 $ 1,719,000 $ 171,900 $ 82,000
Williamson, Texas 10 $ 1,328,000 $ 132,800 $ 127,000
Virginia Beach, Virginia 10 $ 1,865,000 $ 186,500 $ 114,000
Clark, Washington 10 $ 2,900,000 $ 290,000 $ 75,000
Jefferson, Alabama 9 $ 1,957,000 $ 217,444 $ 129,000
La Plata, Colorado 9 $ 2,335,000 $ 259,444 $ 93,000
Litchfield, Connecticut 9 $ 2,284,000 $ 253,777 $ 167,000
Okaloosa, Florida 9 $ 3,339,000 $ 371,000 $ 204,000
Kankakee, Illinois 9 $ 1,282,000 $ 142,444 $ 90,000
Tazewell, Illinois 9 $ 1,391,000 $ 154,555 $ 80,000
Talbot, Maryland 9 $ 3,728,000 $ 414,222 $ 220,000
Dakota, Minnesota 9 $ 2,310,000 $ 256,666 $ 114,000
Gloucester, New Jersey 9 $ 1,775,000 $ 197,222 $ 123,000
Orange, New York 9 $ 1,735,000 $ 192,777 $ 106,000
Monroe, Pennsylvania 9 $ 1,660,000 $ 184,444 $ 125,000
Tarrant, Texas 9 $ 1,862,000 $ 206,888 $ 124,000
Davis, Utah 9 $ 1,971,000 $ 219,000 $ 107,000
Washington, Utah 9 $ 5,760,000 $ 640,000 $ 393,000
Weber, Utah 9 $ 1,387,000 $ 154,111 $ 127,000
Skagit, Washington 9 $ 3,404,000 $ 378,222 $ 151,000
Spokane, Washington 9 $ 2,842,000 $ 315,777 $ 296,000
Thurston, Washington 9 $ 3,081,000 $ 342,333 $ 137,000
Berkeley, West Virginia 9 $ 1,736,000 $ 192,888 $ 82,000
Mohave, Arizona 8 $ 1,442,000 $ 180,250 $ 104,000
Yolo, California 8 $ 2,450,000 $ 306,250 $ 101,000
Larimer, Colorado 8 $ 2,925,000 $ 365,625 $ 129,000
Windham, Connecticut 8 $ 1,936,000 $ 242,000 $ 79,000
Peoria, Illinois 8 $ 1,044,000 $ 130,500 $ 108,000
Hamilton, Indiana 8 $ 2,158,000 $ 269,750 $ 109,000
Lake, Indiana 8 $ 1,289,000 $ 161,125 $ 94,000
Berkshire, Massachusetts 8 $ 2,692,000 $ 336,500 $ 194,000
Erie, New York 8 $ 1,867,000 $ 233,375 $ 144,000
Delaware, Ohio 8 $ 2,007,000 $ 250,875 $ 102,000
Washington, Pennsylvania 8 $ 1,046,000 $ 130,750 $ 122,000
Denton, Texas 8 $ 1,969,000 $ 246,125 $ 132,000
Summit, Utah 8 $ 3,691,000 $ 461,375 $ 317,000
Alexandria, Virginia 8 $ 2,885,000 $ 360,625 $ 192,000
Henrico, Virginia 8 $ 2,191,000 $ 273,875 $ 129,000
Waukesha, Wisconsin 8 $ 1,107,000 $ 138,375 $ 80,000
Merced, California 7 $ 2,322,000 $ 331,714 $ 154,000
Yuba, California 7 $ 2,101,000 $ 300,142 $ 106,000
Montezuma, Colorado 7 $ 1,333,000 $ 190,428 $ 71,000
Alachua, Florida 7 $ 862,000 $ 123,142 $ 83,000
Kootenai, Idaho 7 $ 1,186,000 $ 169,428 $ 83,000
Fayette, Kentucky 7 $ 1,574,000 $ 224,857 $ 99,000
Anoka, Minnesota 7 $ 1,401,000 $ 200,142 $ 81,000
St. Charles, Missouri 7 $ 1,097,000 $ 156,714 $ 97,000
Hunterdon, New Jersey 7 $ 2,871,000 $ 410,142 $ 195,000
Santa Fe, New Mexico 7 $ 2,128,000 $ 304,000 $ 106,000
Putnam, New York 7 $ 2,203,000 $ 314,714 $ 120,000
Brunswick, North Carolina 7 $ 5,116,000 $ 730,857 $ 239,000
Montgomery, Ohio 7 $ 876,000 $ 125,142 $ 82,000
Warren, Ohio 7 $ 1,168,000 $ 166,857 $ 122,000
Lincoln, Oregon 7 $ 2,033,000 $ 290,428 $ 141,000
Lancaster, Pennsylvania 7 $ 1,727,000 $ 246,714 $ 118,000
Kent, Rhode Island 7 $ 1,505,000 $ 215,000 $ 99,000
Dorchester, South Carolina 7 $ 2,072,000 $ 296,000 $ 92,000
Collin, Texas 7 $ 2,355,000 $ 336,428 $ 162,000
Fauquier, Virginia 7 $ 1,852,000 $ 264,571 $ 99,000
Dane, Wisconsin 7 $ 2,288,000 $ 326,857 $ 145,000
Benton, Arkansas 6 $ 1,080,000 $ 180,000 $ 93,000
Kings, California 6 $ 999,000 $ 166,500 $ 75,000
Mendocino, California 6 $ 1,519,000 $ 253,166 $ 97,000
Shasta, California 6 $ 1,498,000 $ 249,666 $ 125,000
Kent, Delaware 6 $ 1,295,000 $ 215,833 $ 176,000
Clay, Florida 6 $ 2,221,000 $ 370,166 $ 164,000
Cherokee, Georgia 6 $ 1,144,000 $ 190,666 $ 73,000
Fayette, Georgia 6 $ 2,014,000 $ 335,666 $ 124,000
Forsyth, Georgia 6 $ 1,102,000 $ 183,666 $ 137,000
Hancock, Indiana 6 $ 609,000 $ 101,500 $ 82,000
Sedgwick, Kansas 6 $ 936,000 $ 156,000 $ 101,000
Jefferson, Kentucky 6 $ 1,640,000 $ 273,333 $ 110,000
Piscataquis, Maine 6 $ 540,000 $ 90,000 $ 32,000
Wicomico, Maryland 6 $ 1,360,000 $ 226,666 $ 83,000
Franklin, Massachusetts 6 $ 929,000 $ 154,833 $ 71,000
Ramsey, Minnesota 6 $ 978,000 $ 163,000 $ 69,000
Gallatin, Montana 6 $ 3,309,000 $ 551,500 $ 1,794,000
Dare, North Carolina 6 $ 5,406,000 $ 901,000 $ 497,000
Durham, North Carolina 6 $ 411,000 $ 68,500 $ 66,000
Onslow, North Carolina 6 $ 2,089,000 $ 348,166 $ 324,000
Medina, Ohio 6 $ 1,039,000 $ 173,166 $ 113,000
Oklahoma, Oklahoma 6 $ 1,324,000 $ 220,666 $ 113,000
Adams, Pennsylvania 6 $ 1,236,000 $ 206,000 $ 53,000
Horry, South Carolina 6 $ 1,549,000 $ 258,166 $ 168,000
Chesterfield, Virginia 6 $ 1,206,000 $ 201,000 $ 159,000
Norfolk, Virginia 6 $ 1,360,000 $ 226,666 $ 144,000
Island, Washington 6 $ 1,713,000 $ 285,500 $ 45,000
Washington, Wisconsin 6 $ 933,000 $ 155,500 $ 79,000
Yuma, Arizona 5 $ 783,000 $ 156,600 $ 94,000
Washington, Arkansas 5 $ 1,510,000 $ 302,000 $ 228,000
Tuolumne, California 5 $ 1,417,000 $ 283,400 $ 153,000
Tolland, Connecticut 5 $ 906,000 $ 181,200 $ 85,000
Leon, Florida 5 $ 855,000 $ 171,000 $ 100,000
Walton, Florida 5 $ 1,897,000 $ 379,400 $ 931,000
Grundy, Illinois 5 $ 1,015,000 $ 203,000 $ 95,000
Hancock, Maine 5 $ 1,032,000 $ 206,400 $ 148,000
Eaton, Michigan 5 $ 751,000 $ 150,200 $ 82,000
Douglas, Nebraska 5 $ 900,000 $ 180,000 $ 103,000
Grafton, New Hampshire 5 $ 926,000 $ 185,200 $ 73,000
Albany, New York 5 $ 823,000 $ 164,600 $ 76,000
Guilford, North Carolina 5 $ 801,000 $ 160,200 $ 74,000
Henderson, North Carolina 5 $ 673,000 $ 134,600 $ 60,000
Orange, North Carolina 5 $ 2,068,000 $ 413,600 $ 241,000
Pitt, North Carolina 5 $ 762,000 $ 152,400 $ 81,000
Union, North Carolina 5 $ 1,266,000 $ 253,200 $ 111,000
Watauga, North Carolina 5 $ 1,366,000 $ 273,200 $ 322,000
Lake, Ohio 5 $ 868,000 $ 173,600 $ 96,000
Jackson, Oregon 5 $ 921,000 $ 184,200 $ 65,000
Pike, Pennsylvania 5 $ 646,000 $ 129,200 $ 113,000
Westmoreland, Pennsylvania 5 $ 1,873,000 $ 374,600 $ 584,000
Beaufort, South Carolina 5 $ 3,499,000 $ 699,800 $ 205,000
York, South Carolina 5 $ 639,000 $ 127,800 $ 59,000
Knox, Tennessee 5 $ 2,012,000 $ 402,400 $ 204,000
Rutherford, Tennessee 5 $ 933,000 $ 186,600 $ 60,000
Fort Bend, Texas 5 $ 1,254,000 $ 250,800 $ 158,000
Cache, Utah 5 $ 1,448,000 $ 289,600 $ 94,000
Augusta, Virginia 5 $ 1,048,000 $ 209,600 $ 66,000
Chesapeake, Virginia 5 $ 1,029,000 $ 205,800 $ 66,000
Culpeper, Virginia 5 $ 1,683,000 $ 336,600 $ 80,000
Hanover, Virginia 5 $ 1,100,000 $ 220,000 $ 83,000
Shenandoah, Virginia 5 $ 1,148,000 $ 229,600 $ 86,000
Madison, Alabama 4 $ 519,000 $ 129,750 $ 80,000
Coconino, Arizona 4 $ 1,157,000 $ 289,250 $ 74,000
Pulaski, Arkansas 4 $ 875,000 $ 218,750 $ 108,000
Madera, California 4 $ 1,514,000 $ 378,500 $ 138,000
Hernando, Florida 4 $ 477,000 $ 119,250 $ 22,000
Nassau, Florida 4 $ 733,000 $ 183,250 $ 85,000
Santa Rosa, Florida 4 $ 894,000 $ 223,500 $ 129,000
Chatham, Georgia 4 $ 557,000 $ 139,250 $ 38,000
Coweta, Georgia 4 $ 504,000 $ 126,000 $ 48,000
Newton, Georgia 4 $ 823,000 $ 205,750 $ 103,000
Hendricks, Indiana 4 $ 844,000 $ 211,000 $ 69,000
Marion, Indiana 4 $ 732,000 $ 183,000 $ 180,000
Dallas, Iowa 4 $ 422,000 $ 105,500 $ 107,000
Scott, Iowa 4 $ 258,000 $ 64,500 $ 75,000
Woodford, Kentucky 4 $ 389,000 $ 97,250 $ 65,000
Jefferson, Louisiana 4 $ 572,000 $ 143,000 $ 68,000
Orleans, Louisiana 4 $ 1,143,000 $ 285,750 $ 117,000
Oxford, Maine 4 $ 1,469,000 $ 367,250 $ 282,000
Worcester, Maryland 4 $ 505,000 $ 126,250 $ 64,000
Genesee, Michigan 4 $ 1,531,000 $ 382,750 $ 170,000
Lapeer, Michigan 4 $ 633,000 $ 158,250 $ 89,000
St. Clair, Michigan 4 $ 833,000 $ 208,250 $ 86,000
Carver, Minnesota 4 $ 1,185,000 $ 296,250 $ 102,000
Washington, Minnesota 4 $ 982,000 $ 245,500 $ 93,000
Cass, Missouri 4 $ 390,000 $ 97,500 $ 120,000
Carroll, New Hampshire 4 $ 1,476,000 $ 369,000 $ 145,000
Coos, New Hampshire 4 $ 952,000 $ 238,000 $ 139,000
Dona Ana, New Mexico 4 $ 560,000 $ 140,000 $ 112,000
Monroe, New York 4 $ 561,000 $ 140,250 $ 79,000
Ulster, New York 4 $ 2,195,000 $ 548,750 $ 238,000
Davidson, North Carolina 4 $ 525,000 $ 131,250 $ 117,000
Johnston, North Carolina 4 $ 610,000 $ 152,500 $ 60,000
Geauga, Ohio 4 $ 1,046,000 $ 261,500 $ 47,000
Licking, Ohio 4 $ 1,008,000 $ 252,000 $ 103,000
Marion, Oregon 4 $ 1,084,000 $ 271,000 $ 88,000
Berks, Pennsylvania 4 $ 826,000 $ 206,500 $ 69,000
Somerset, Pennsylvania 4 $ 250,000 $ 62,500 $ 63,000
Bristol, Rhode Island 4 $ 2,167,000 $ 541,750 $ 114,000
Williamson, Tennessee 4 $ 739,000 $ 184,750 $ 166,000
Bexar, Texas 4 $ 694,000 $ 173,500 $ 91,000
Montgomery, Texas 4 $ 1,174,000 $ 293,500 $ 104,000
Wasatch, Utah 4 $ 989,000 $ 247,250 $ 93,000
Orange, Vermont 4 $ 456,000 $ 114,000 $ 74,000
Kitsap, Washington 4 $ 796,000 $ 199,000 $ 118,000
Hampshire, West Virginia 4 $ 579,000 $ 144,750 $ 50,000
Lee, Alabama 3 $ 230,000 $ 76,666 $ 77,000
Tuscaloosa, Alabama 3 $ 415,000 $ 138,333 $ 420,000
Calaveras, California 3 $ 1,278,000 $ 426,000 $ 62,000
Colusa, California 3 $ 1,275,000 $ 425,000 $ 145,000
Del Norte, California 3 $ 457,000 $ 152,333 $ 120,000
Humboldt, California 3 $ 872,000 $ 290,666 $ 118,000
Siskiyou, California 3 $ 513,000 $ 171,000 $ 89,000
Teller, Colorado 3 $ 523,000 $ 174,333 $ 155,000
Weld, Colorado 3 $ 1,201,000 $ 400,333 $ 40,000
Holmes, Florida 3 $ 477,000 $ 159,000 $ 97,000
Jefferson, Florida 3 $ 494,000 $ 164,666 $ 114,000
Barrow, Georgia 3 $ 768,000 $ 256,000 $ 107,000
Paulding, Georgia 3 $ 283,000 $ 94,333 $ 66,000
Canyon, Idaho 3 $ 765,000 $ 255,000 $ 55,000
Boone, Illinois 3 $ 530,000 $ 176,666 $ 89,000
DeKalb, Illinois 3 $ 625,000 $ 208,333 $ 90,000
Madison, Illinois 3 $ 321,000 $ 107,000 $ 86,000
St. Clair, Illinois 3 $ 318,000 $ 106,000 $ 54,000
Polk, Iowa 3 $ 389,000 $ 129,666 $ 687,000
Leavenworth, Kansas 3 $ 266,000 $ 88,666 $ 86,000
Caddo, Louisiana 3 $ 371,000 $ 123,666 $ 138,000
East Baton Rouge, Louisiana 3 $ 405,000 $ 135,000 $ 70,000
Livingston, Louisiana 3 $ 446,000 $ 148,666 $ 57,000
Tangipahoa, Louisiana 3 $ 344,000 $ 114,666 $ 67,000
Somerset, Maine 3 $ 705,000 $ 235,000 $ 285,000
Cecil, Maryland 3 $ 687,000 $ 229,000 $ 83,000
Hampshire, Massachusetts 3 $ 715,000 $ 238,333 $ 66,000
Nantucket, Massachusetts 3 $ 5,816,000 $ 1,938,666 $ 375,000
Berrien, Michigan 3 $ 1,708,000 $ 569,333 $ 312,000
Clinton, Michigan 3 $ 529,000 $ 176,333 $ 80,000
Ingham, Michigan 3 $ 337,000 $ 112,333 $ 58,000
Jackson, Michigan 3 $ 335,000 $ 111,666 $ 58,000
Monroe, Michigan 3 $ 320,000 $ 106,666 $ 102,000
St. Louis, Minnesota 3 $ 614,000 $ 204,666 $ 115,000
Stearns, Minnesota 3 $ 580,000 $ 193,333 $ 79,000
Clay, Missouri 3 $ 1,124,000 $ 374,666 $ 130,000
Greene, Missouri 3 $ 625,000 $ 208,333 $ 144,000
Platte, Missouri 3 $ 365,000 $ 121,666 $ 87,000
Flathead, Montana 3 $ 2,325,000 $ 775,000 $ 315,000
Sarpy, Nebraska 3 $ 489,000 $ 163,000 $ 103,000
Cheshire, New Hampshire 3 $ 555,000 $ 185,000 $ 64,000
San Juan, New Mexico 3 $ 468,000 $ 156,000 $ 410,000
Columbia, New York 3 $ 512,000 $ 170,666 $ 152,000
Onondaga, New York 3 $ 380,000 $ 126,666 $ 162,000
Saratoga, New York 3 $ 410,000 $ 136,666 $ 100,000
Sullivan, New York 3 $ 798,000 $ 266,000 $ 79,000
Buncombe, North Carolina 3 $ 774,000 $ 258,000 $ 84,000
Iredell, North Carolina 3 $ 730,000 $ 243,333 $ 169,000
Transylvania, North Carolina 3 $ 587,000 $ 195,666 $ 120,000
Clermont, Ohio 3 $ 734,000 $ 244,666 $ 94,000
Lorain, Ohio 3 $ 731,000 $ 243,666 $ 146,000
Lucas, Ohio 3 $ 691,000 $ 230,333 $ 126,000
Richland, Ohio 3 $ 341,000 $ 113,666 $ 65,000
Stark, Ohio 3 $ 366,000 $ 122,000 $ 38,000
Wayne, Ohio 3 $ 410,000 $ 136,666 $ 137,000
Payne, Oklahoma 3 $ 255,000 $ 85,000 $ 69,000
Clatsop, Oregon 3 $ 334,000 $ 111,333 $ 173,000
Deschutes, Oregon 3 $ 1,121,000 $ 373,666 $ 155,000
Union, Oregon 3 $ 280,000 $ 93,333 $ 62,000
Wallowa, Oregon 3 $ 664,000 $ 221,333 $ 58,000
Butler, Pennsylvania 3 $ 580,000 $ 193,333 $ 110,000
Franklin, Pennsylvania 3 $ 525,000 $ 175,000 $ 58,000
Georgetown, South Carolina 3 $ 1,248,000 $ 416,000 $ 205,000
Lexington, South Carolina 3 $ 402,000 $ 134,000 $ 54,000
Richland, South Carolina 3 $ 287,000 $ 95,666 $ 79,000
Pennington, South Dakota 3 $ 304,000 $ 101,333 $ 44,000
Davidson, Tennessee 3 $ 619,000 $ 206,333 $ 78,000
Washington, Tennessee 3 $ 342,000 $ 114,000 $ 54,000
Comal, Texas 3 $ 346,000 $ 115,333 $ 106,000
El Paso, Texas 3 $ 292,000 $ 97,333 $ 59,000
Victoria, Texas 3 $ 600,000 $ 200,000 $ 180,000
Albemarle, Virginia 3 $ 434,000 $ 144,666 $ 75,000
Manassas Park, Virginia 3 $ 1,048,000 $ 349,333 $ 131,000
Suffolk, Virginia 3 $ 705,000 $ 235,000 $ 96,000
Warren, Virginia 3 $ 300,000 $ 100,000 $ 63,000
Winchester, Virginia 3 $ 649,000 $ 216,333 $ 63,000
York, Virginia 3 $ 777,000 $ 259,000 $ 98,000
Kittitas, Washington 3 $ 1,264,000 $ 421,333 $ 220,000
Kanawha, West Virginia 3 $ 288,000 $ 96,000 $ 97,000
Racine, Wisconsin 3 $ 1,492,000 $ 497,333 $ 147,000
Baldwin, Alabama 2 $ 459,000 $ 229,500 $ 114,000
Jackson, Alabama 2 $ 124,000 $ 62,000 $ 44,000
Gila, Arizona 2 $ 278,000 $ 139,000 $ 82,000
Amador, California 2 $ 792,000 $ 396,000 $ 87,000
Inyo, California 2 $ 680,000 $ 340,000 $ 171,000
Mono, California 2 $ 443,000 $ 221,500 $ 189,000
Eagle, Colorado 2 $ 1,605,000 $ 802,500 $ 408,000
Garfield, Colorado 2 $ 238,000 $ 119,000 $ 104,000
Moffat, Colorado 2 $ 258,000 $ 129,000 $ 75,000
Otero, Colorado 2 $ 171,000 $ 85,500 $ 83,000
San Miguel, Colorado 2 $ 696,000 $ 348,000 $ 216,000
Summit, Colorado 2 $ 790,000 $ 395,000 $ 202,000
DeSoto, Florida 2 $ 607,000 $ 303,500 $ 188,000
Highlands, Florida 2 $ 233,000 $ 116,500 $ 45,000
Madison, Florida 2 $ 297,000 $ 148,500 $ 84,000
Sumter, Florida 2 $ 465,000 $ 232,500 $ 131,000
Clarke, Georgia 2 $ 71,000 $ 35,500 $ 78,000
Clayton, Georgia 2 $ 408,000 $ 204,000 $ 73,000
Hall, Georgia 2 $ 149,000 $ 74,500 $ 100,000
Hart, Georgia 2 $ 387,000 $ 193,500 $ 165,000
Henry, Georgia 2 $ 475,000 $ 237,500 $ 97,000
Pickens, Georgia 2 $ 100,000 $ 50,000 $ 189,000
Kauai, Hawaii 2 $ 496,000 $ 248,000 $ 120,000
Champaign, Illinois 2 $ 319,000 $ 159,500 $ 63,000
Fulton, Illinois 2 $ 194,000 $ 97,000 $ 61,000
McLean, Illinois 2 $ 284,000 $ 142,000 $ 42,000
Piatt, Illinois 2 $ 105,000 $ 52,500 $ 64,000
Floyd, Indiana 2 $ 146,000 $ 73,000 $ 86,000
Greene, Indiana 2 $ 193,000 $ 96,500 $ 63,000
Perry, Indiana 2 $ 145,000 $ 72,500 $ 82,000
Montgomery, Kansas 2 $ 92,000 $ 46,000 $ 62,000
Shawnee, Kansas 2 $ 441,000 $ 220,500 $ 106,000
Wyandotte, Kansas 2 $ 280,000 $ 140,000 $ 51,000
Boone, Kentucky 2 $ 272,000 $ 136,000 $ 69,000
Grayson, Kentucky 2 $ 253,000 $ 126,500 $ 53,000
Hopkins, Kentucky 2 $ 342,000 $ 171,000 $ 55,000
Simpson, Kentucky 2 $ 257,000 $ 128,500 $ 90,000
Ouachita, Louisiana 2 $ 416,000 $ 208,000 $ 75,000
St. Charles, Louisiana 2 $ 222,000 $ 111,000 $ 84,000
Franklin, Maine 2 $ 726,000 $ 363,000 $ 232,000
Kennebec, Maine 2 $ 286,000 $ 143,000 $ 69,000
Lincoln, Maine 2 $ 475,000 $ 237,500 $ 219,000
Penobscot, Maine 2 $ 332,000 $ 166,000 $ 108,000
Garrett, Maryland 2 $ 1,454,000 $ 727,000 $ 1,383,000
Kent, Maryland 2 $ 388,000 $ 194,000 $ 118,000
Bay, Michigan 2 $ 378,000 $ 189,000 $ 244,000
Charlevoix, Michigan 2 $ 496,000 $ 248,000 $ 119,000
Kalamazoo, Michigan 2 $ 846,000 $ 423,000 $ 437,000
Kent, Michigan 2 $ 363,000 $ 181,500 $ 63,000
Lenawee, Michigan 2 $ 590,000 $ 295,000 $ 122,000
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Mortgage Loan Application Detail Totals for Lydian Private Bank in 2006

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 8,448 $2,898,505,000 $343,000 $10,000,000 $147,000 $6,450,000
Home Purchase 4,747 $1,527,490,000 $321,000 $5,456,000 $147,000 $9,500,000
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 6,973 $2,374,578,000 $340,000 $7,000,000 $159,000 $6,450,000
Not Provided 2,949 $1,003,185,000 $340,000 $5,456,000 $149,000 $2,850,000
Hispanic 1,240 $396,605,000 $319,000 $10,000,000 $129,000 $4,597,000
Asian 728 $252,262,000 $346,000 $2,200,000 $156,000 $2,060,000
Black or African American 724 $201,985,000 $278,000 $1,580,000 $117,000 $3,615,000
Not applicable 466 $156,935,000 $336,000 $1,800,000 $31,000 $9,500,000
Native Hawaiian or Other Pacific Islander 80 $29,957,000 $374,000 $2,165,000 $137,000 $743,000
American Indian or Alaskan Native 35 $10,488,000 $299,000 $1,383,000 $127,000 $356,000

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) 13,195 $4,425,995,000 $335,000 $10,000,000 $147,000 $9,500,000
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 6,720 $2,124,418,000 $316,000 $6,750,000 $144,000 $9,500,000
Application Denied By Financial Institution 2,356 $907,703,000 $385,000 $10,000,000 $167,000 $3,120,000
Application Approved But Not Accepted 1,801 $684,168,000 $379,000 $7,000,000 $154,000 $2,265,000
Application Withdrawn By Applicant 1,242 $375,370,000 $302,000 $4,900,000 $168,000 $6,450,000
Loan Purchased By The Institution 459 $152,144,000 $331,000 $1,680,000 $0 $0
Preapproval Approved but not Accepted 268 $90,918,000 $339,000 $5,456,000 $140,000 $1,500,000
File Closed For Incompleteness 176 $54,763,000 $311,000 $3,280,000 $176,000 $4,597,000
Preapproval Denied by Financial Institution 173 $36,511,000 $211,000 $4,875,000 $110,000 $6,000,000

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 753 $313,785,000 $416,000 $5,000,000 $211,000 $6,000,000
Credit History 609 $157,554,000 $258,000 $2,000,000 $115,000 $1,994,000
Debt-To-Income Ratio 478 $174,744,000 $365,000 $10,000,000 $117,000 $1,889,000
Collateral 393 $177,113,000 $450,000 $5,670,000 $186,000 $1,728,000
Employment History 118 $46,584,000 $394,000 $1,457,000 $158,000 $488,000
Unverifiable Information 114 $44,857,000 $393,000 $4,000,000 $187,000 $1,980,000
Insufficient Cash (Downpayment, Closing Cost) 33 $10,481,000 $317,000 $805,000 $185,000 $2,160,000
Credit Application Incomplete 30 $18,963,000 $632,000 $6,500,000 $292,000 $2,000,000
Mortgage Insurance Denied 1 $133,000 $133,000 $133,000 $31,000 $31,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Lydian Private Bank's 2006 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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