Lydian Private Bank Mortgage Lending & HMDA Data, 2007

In 2007, Lydian Private Bank of Palm Beach Gardens, FL reported 12,951 mortgage applications totaling $4.8 billion, down 2% from 2006. The average application was for $370,793, and applicants reported an average income of $153,089. 43% of its applications resulted in an originated loan and 29% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (835), Los Angeles-Long Beach-Glendale, CA (794) and Chicago-Naperville-Joliet, IL (538) (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 12,951
Total Mortgage Loan Application Amount $4,802,153,000
Average Mortgage Loan Application Amount $370,793
Highest Mortgage Loan Application Amount $10,000,000
Average Applicant Income $153,089
Highest Applicant Income $9,600,000

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Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

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 794 $ 375,252,000 $ 472,609 $ 163,000
San Diego, California 522 $ 229,155,000 $ 438,994 $ 171,000
Palm Beach, Florida 450 $ 200,478,000 $ 445,506 $ 222,000
Orange, California 430 $ 237,996,000 $ 553,479 $ 206,000
Maricopa, Arizona 388 $ 132,134,000 $ 340,551 $ 136,000
Miami-Dade, Florida 377 $ 141,706,000 $ 375,877 $ 160,000
Cook, Illinois 300 $ 85,263,000 $ 284,210 $ 114,000
Riverside, California 296 $ 107,419,000 $ 362,902 $ 137,000
Broward, Florida 294 $ 101,909,000 $ 346,629 $ 168,000
San Bernardino, California 242 $ 79,905,000 $ 330,185 $ 122,000
Contra Costa, California 228 $ 112,865,000 $ 495,021 $ 215,000
Kings, New York 199 $ 104,062,000 $ 522,924 $ 171,000
Middlesex, Massachusetts 197 $ 66,610,000 $ 338,121 $ 142,000
Queens, New York 190 $ 89,834,000 $ 472,810 $ 144,000
Alameda, California 176 $ 79,955,000 $ 454,289 $ 170,000
Santa Clara, California 153 $ 85,944,000 $ 561,725 $ 219,000
Worcester, Massachusetts 144 $ 33,530,000 $ 232,847 $ 91,000
Orange, Florida 134 $ 40,046,000 $ 298,850 $ 129,000
Nassau, New York 132 $ 61,322,000 $ 464,560 $ 169,000
Suffolk, New York 124 $ 51,344,000 $ 414,064 $ 141,000
King, Washington 104 $ 39,895,000 $ 383,605 $ 137,000
Bergen, New Jersey 102 $ 47,146,000 $ 462,215 $ 166,000
Hillsborough, Florida 99 $ 21,009,000 $ 212,212 $ 113,000
Monmouth, New Jersey 94 $ 50,443,000 $ 536,627 $ 209,000
Duval, Florida 92 $ 18,041,000 $ 196,097 $ 164,000
Sacramento, California 91 $ 28,670,000 $ 315,054 $ 112,000
DuPage, Illinois 88 $ 25,879,000 $ 294,079 $ 120,000
Clark, Nevada 88 $ 33,487,000 $ 380,534 $ 167,000
Lee, Florida 87 $ 21,901,000 $ 251,735 $ 124,000
St. Lucie, Florida 86 $ 23,691,000 $ 275,476 $ 217,000
Essex, Massachusetts 80 $ 28,700,000 $ 358,750 $ 130,000
Middlesex, New Jersey 80 $ 25,625,000 $ 320,312 $ 127,000
Essex, New Jersey 78 $ 28,896,000 $ 370,461 $ 173,000
Suffolk, Massachusetts 77 $ 26,749,000 $ 347,389 $ 116,000
Will, Illinois 72 $ 15,575,000 $ 216,319 $ 101,000
Richmond, New York 72 $ 28,760,000 $ 399,444 $ 149,000
Ocean, New Jersey 71 $ 25,841,000 $ 363,957 $ 148,000
Montgomery, Maryland 67 $ 26,274,000 $ 392,149 $ 154,000
Ventura, California 66 $ 28,608,000 $ 433,454 $ 140,000
Fairfield, Connecticut 66 $ 34,844,000 $ 527,939 $ 267,000
Fairfax, Virginia 66 $ 27,498,000 $ 416,636 $ 147,000
San Joaquin, California 65 $ 22,195,000 $ 341,461 $ 124,000
Prince George's, Maryland 61 $ 18,789,000 $ 308,016 $ 104,000
Norfolk, Massachusetts 61 $ 21,439,000 $ 351,459 $ 116,000
San Mateo, California 60 $ 32,976,000 $ 549,600 $ 202,000
Polk, Florida 57 $ 12,453,000 $ 218,473 $ 65,000
Lake, Illinois 56 $ 17,890,000 $ 319,464 $ 145,000
Union, New Jersey 56 $ 21,358,000 $ 381,392 $ 135,000
New York, New York 56 $ 50,745,000 $ 906,160 $ 382,000
Kern, California 53 $ 11,334,000 $ 213,849 $ 125,000
Hudson, New Jersey 53 $ 18,657,000 $ 352,018 $ 147,000
Fresno, California 52 $ 13,770,000 $ 264,807 $ 108,000
Solano, California 52 $ 20,825,000 $ 400,480 $ 137,000
Pinellas, Florida 52 $ 15,344,000 $ 295,076 $ 154,000
Westchester, New York 52 $ 25,393,000 $ 488,326 $ 207,000
Osceola, Florida 50 $ 12,689,000 $ 253,780 $ 105,000
San Francisco, California 49 $ 34,752,000 $ 709,224 $ 236,000
Martin, Florida 48 $ 19,437,000 $ 404,937 $ 151,000
Collier, Florida 47 $ 20,449,000 $ 435,085 $ 247,000
Salt Lake, Utah 45 $ 12,552,000 $ 278,933 $ 124,000
Brevard, Florida 44 $ 10,677,000 $ 242,659 $ 118,000
Bristol, Massachusetts 44 $ 12,072,000 $ 274,363 $ 95,000
Passaic, New Jersey 44 $ 15,265,000 $ 346,931 $ 108,000
Hartford, Connecticut 42 $ 9,361,000 $ 222,880 $ 92,000
Stanislaus, California 41 $ 12,983,000 $ 316,658 $ 140,000
Lake, Florida 41 $ 8,929,000 $ 217,780 $ 68,000
Mecklenburg, North Carolina 41 $ 6,468,000 $ 157,756 $ 97,000
Utah, Utah 41 $ 15,443,000 $ 376,658 $ 155,000
Monterey, California 40 $ 28,774,000 $ 719,350 $ 330,000
Sonoma, California 40 $ 15,113,000 $ 377,825 $ 123,000
Plymouth, Massachusetts 40 $ 13,088,000 $ 327,200 $ 120,000
Bronx, New York 40 $ 14,146,000 $ 353,650 $ 109,000
Placer, California 37 $ 17,784,000 $ 480,648 $ 175,000
New Haven, Connecticut 37 $ 8,308,000 $ 224,540 $ 84,000
Monroe, Florida 36 $ 21,469,000 $ 596,361 $ 1,077,000
Anne Arundel, Maryland 36 $ 14,460,000 $ 401,666 $ 127,000
Sussex, New Jersey 36 $ 9,364,000 $ 260,111 $ 130,000
Pima, Arizona 35 $ 9,965,000 $ 284,714 $ 133,000
Sarasota, Florida 35 $ 8,784,000 $ 250,971 $ 125,000
Kane, Illinois 35 $ 7,240,000 $ 206,857 $ 90,000
Oakland, Michigan 35 $ 9,108,000 $ 260,228 $ 130,000
Morris, New Jersey 35 $ 13,699,000 $ 391,400 $ 132,000
Somerset, New Jersey 35 $ 14,197,000 $ 405,628 $ 165,000
Volusia, Florida 34 $ 8,120,000 $ 238,823 $ 136,000
Pinal, Arizona 32 $ 8,739,000 $ 273,093 $ 113,000
Barnstable, Massachusetts 31 $ 12,173,000 $ 392,677 $ 198,000
Fulton, Georgia 30 $ 9,998,000 $ 333,266 $ 104,000
Baltimore City, Maryland 30 $ 5,519,000 $ 183,966 $ 109,000
St. Johns, Florida 29 $ 13,097,000 $ 451,620 $ 202,000
Napa, California 28 $ 19,244,000 $ 687,285 $ 336,000
District of Columbia, District Of Columbia 28 $ 11,802,000 $ 421,500 $ 229,000
Seminole, Florida 28 $ 7,107,000 $ 253,821 $ 133,000
Santa Barbara, California 27 $ 13,418,000 $ 496,962 $ 182,000
New Castle, Delaware 27 $ 5,638,000 $ 208,814 $ 80,000
Cumberland, Maine 27 $ 9,370,000 $ 347,037 $ 125,000
McHenry, Illinois 26 $ 6,508,000 $ 250,307 $ 97,000
Hillsborough, New Hampshire 26 $ 6,807,000 $ 261,807 $ 106,000
Prince William, Virginia 26 $ 9,432,000 $ 362,769 $ 126,000
Wayne, Michigan 25 $ 3,944,000 $ 157,760 $ 123,000
Dutchess, New York 25 $ 8,284,000 $ 331,360 $ 112,000
Rockingham, New Hampshire 24 $ 6,779,000 $ 282,458 $ 126,000
Camden, New Jersey 24 $ 5,811,000 $ 242,125 $ 96,000
Orange, New York 24 $ 6,857,000 $ 285,708 $ 117,000
Bucks, Pennsylvania 24 $ 7,044,000 $ 293,500 $ 141,000
Philadelphia, Pennsylvania 24 $ 4,631,000 $ 192,958 $ 90,000
El Dorado, California 23 $ 9,037,000 $ 392,913 $ 166,000
San Luis Obispo, California 23 $ 13,234,000 $ 575,391 $ 187,000
Baltimore, Maryland 23 $ 6,145,000 $ 267,173 $ 96,000
Burlington, New Jersey 23 $ 6,632,000 $ 288,347 $ 142,000
Mercer, New Jersey 23 $ 6,124,000 $ 266,260 $ 138,000
Denver, Colorado 22 $ 6,190,000 $ 281,363 $ 145,000
Rockland, New York 21 $ 8,586,000 $ 408,857 $ 135,000
Pierce, Washington 21 $ 7,708,000 $ 367,047 $ 137,000
Multnomah, Oregon 20 $ 5,268,000 $ 263,400 $ 107,000
Montgomery, Pennsylvania 20 $ 4,748,000 $ 237,400 $ 109,000
Tulare, California 19 $ 4,824,000 $ 253,894 $ 68,000
Pasco, Florida 19 $ 4,723,000 $ 248,578 $ 126,000
Gwinnett, Georgia 18 $ 9,848,000 $ 547,111 $ 199,000
Harris, Texas 18 $ 6,008,000 $ 333,777 $ 175,000
Yolo, California 17 $ 6,085,000 $ 357,941 $ 145,000
Douglas, Colorado 17 $ 6,625,000 $ 389,705 $ 139,000
Jefferson, Colorado 17 $ 4,205,000 $ 247,352 $ 104,000
Indian River, Florida 17 $ 6,758,000 $ 397,529 $ 203,000
Manatee, Florida 17 $ 4,180,000 $ 245,882 $ 126,000
Bernalillo, New Mexico 17 $ 3,170,000 $ 186,470 $ 136,000
Loudoun, Virginia 17 $ 7,662,000 $ 450,705 $ 170,000
Marin, California 16 $ 11,457,000 $ 716,062 $ 261,000
Charlotte, Florida 16 $ 4,081,000 $ 255,062 $ 109,000
DeKalb, Georgia 16 $ 4,460,000 $ 278,750 $ 113,000
Atlantic, New Jersey 16 $ 5,763,000 $ 360,187 $ 121,000
Wake, North Carolina 16 $ 4,469,000 $ 279,312 $ 112,000
Snohomish, Washington 16 $ 5,529,000 $ 345,562 $ 134,000
Milwaukee, Wisconsin 16 $ 2,730,000 $ 170,625 $ 99,000
Arapahoe, Colorado 15 $ 3,057,000 $ 203,800 $ 99,000
Flagler, Florida 15 $ 3,220,000 $ 214,666 $ 128,000
Hampden, Massachusetts 15 $ 3,669,000 $ 244,600 $ 100,000
Clark, Washington 15 $ 5,139,000 $ 342,600 $ 132,000
Howard, Maryland 14 $ 5,871,000 $ 419,357 $ 151,000
Macomb, Michigan 14 $ 3,266,000 $ 233,285 $ 114,000
Merrimack, New Hampshire 14 $ 3,087,000 $ 220,500 $ 108,000
Gloucester, New Jersey 14 $ 3,524,000 $ 251,714 $ 137,000
Tulsa, Oklahoma 14 $ 2,204,000 $ 157,428 $ 85,000
Virginia Beach, Virginia 14 $ 3,332,000 $ 238,000 $ 87,000
Mohave, Arizona 13 $ 3,830,000 $ 294,615 $ 193,000
Sussex, Delaware 13 $ 3,825,000 $ 294,230 $ 117,000
Clay, Florida 13 $ 3,179,000 $ 244,538 $ 134,000
Washington, Oregon 13 $ 3,772,000 $ 290,153 $ 116,000
Santa Cruz, California 12 $ 6,180,000 $ 515,000 $ 151,000
Boulder, Colorado 12 $ 3,080,000 $ 256,666 $ 130,000
Marion, Florida 12 $ 2,270,000 $ 189,166 $ 120,000
York, Maine 12 $ 3,179,000 $ 264,916 $ 139,000
Carroll, Maryland 12 $ 3,669,000 $ 305,750 $ 113,000
Frederick, Maryland 12 $ 3,570,000 $ 297,500 $ 108,000
Cape May, New Jersey 12 $ 8,063,000 $ 671,916 $ 298,000
Butte, California 11 $ 2,848,000 $ 258,909 $ 88,000
Tolland, Connecticut 11 $ 2,850,000 $ 259,090 $ 120,000
Jackson, Missouri 11 $ 1,114,000 $ 101,272 $ 81,000
Providence, Rhode Island 11 $ 3,200,000 $ 290,909 $ 122,000
Hanover, Virginia 11 $ 2,918,000 $ 265,272 $ 97,000
Windham, Connecticut 10 $ 1,807,000 $ 180,700 $ 72,000
Hernando, Florida 10 $ 2,663,000 $ 266,300 $ 118,000
Santa Rosa, Florida 10 $ 1,964,000 $ 196,400 $ 91,000
Worcester, Maryland 10 $ 3,964,000 $ 396,400 $ 315,000
Lane, Oregon 10 $ 3,262,000 $ 326,200 $ 163,000
Chester, Pennsylvania 10 $ 2,732,000 $ 273,200 $ 114,000
Horry, South Carolina 10 $ 2,587,000 $ 258,700 $ 81,000
Dallas, Texas 10 $ 4,050,000 $ 405,000 $ 176,000
Travis, Texas 10 $ 2,773,000 $ 277,300 $ 159,000
Yavapai, Arizona 9 $ 2,235,000 $ 248,333 $ 95,000
Merced, California 9 $ 2,557,000 $ 284,111 $ 115,000
Nevada, California 9 $ 3,568,000 $ 396,444 $ 125,000
Okaloosa, Florida 9 $ 4,218,000 $ 468,666 $ 245,000
Kendall, Illinois 9 $ 1,943,000 $ 215,888 $ 94,000
Caroline, Maryland 9 $ 1,173,000 $ 130,333 $ 67,000
Charles, Maryland 9 $ 3,348,000 $ 372,000 $ 118,000
Hunterdon, New Jersey 9 $ 3,496,000 $ 388,444 $ 178,000
Clackamas, Oregon 9 $ 2,538,000 $ 282,000 $ 115,000
Delaware, Pennsylvania 9 $ 1,968,000 $ 218,666 $ 119,000
Davis, Utah 9 $ 3,128,000 $ 347,555 $ 201,000
Summit, Utah 9 $ 9,276,000 $ 1,030,666 $ 481,000
Spotsylvania, Virginia 9 $ 3,038,000 $ 337,555 $ 110,000
Dane, Wisconsin 9 $ 2,152,000 $ 239,111 $ 105,000
Imperial, California 8 $ 1,834,000 $ 229,250 $ 106,000
Tuolumne, California 8 $ 2,286,000 $ 285,750 $ 124,000
Litchfield, Connecticut 8 $ 1,895,000 $ 236,875 $ 90,000
Middlesex, Connecticut 8 $ 2,052,000 $ 256,500 $ 115,000
Escambia, Florida 8 $ 1,551,000 $ 193,875 $ 86,000
Cherokee, Georgia 8 $ 1,532,000 $ 191,500 $ 101,000
Harford, Maryland 8 $ 3,031,000 $ 378,875 $ 134,000
Washoe, Nevada 8 $ 3,584,000 $ 448,000 $ 166,000
Grafton, New Hampshire 8 $ 1,590,000 $ 198,750 $ 50,000
Strafford, New Hampshire 8 $ 1,739,000 $ 217,375 $ 108,000
Monroe, Pennsylvania 8 $ 1,985,000 $ 248,125 $ 80,000
Tarrant, Texas 8 $ 1,068,000 $ 133,500 $ 113,000
Arlington, Virginia 8 $ 3,554,000 $ 444,250 $ 156,000
Fauquier, Virginia 8 $ 3,556,000 $ 444,500 $ 113,000
Waukesha, Wisconsin 8 $ 2,433,000 $ 304,125 $ 117,000
Calaveras, California 7 $ 2,425,000 $ 346,428 $ 160,000
New London, Connecticut 7 $ 1,323,000 $ 189,000 $ 88,000
Walton, Florida 7 $ 3,721,000 $ 531,571 $ 209,000
Dakota, Minnesota 7 $ 1,644,000 $ 234,857 $ 117,000
Hennepin, Minnesota 7 $ 1,783,000 $ 254,714 $ 147,000
St. Louis, Missouri 7 $ 2,200,000 $ 314,285 $ 123,000
Belknap, New Hampshire 7 $ 2,139,000 $ 305,571 $ 92,000
Carroll, New Hampshire 7 $ 1,491,000 $ 213,000 $ 77,000
Ulster, New York 7 $ 1,906,000 $ 272,285 $ 130,000
New Hanover, North Carolina 7 $ 3,207,000 $ 458,142 $ 218,000
Union, North Carolina 7 $ 3,863,000 $ 551,857 $ 230,000
Luzerne, Pennsylvania 7 $ 1,413,000 $ 201,857 $ 105,000
Washington, Utah 7 $ 8,454,000 $ 1,207,714 $ 476,000
Norfolk, Virginia 7 $ 987,000 $ 141,000 $ 56,000
Portsmouth, Virginia 7 $ 1,181,000 $ 168,714 $ 64,000
Jefferson, Alabama 6 $ 1,425,000 $ 237,500 $ 145,000
Lake, California 6 $ 1,611,000 $ 268,500 $ 110,000
Madera, California 6 $ 1,462,000 $ 243,666 $ 133,000
Sutter, California 6 $ 1,353,000 $ 225,500 $ 103,000
Kent, Delaware 6 $ 1,854,000 $ 309,000 $ 77,000
Cobb, Georgia 6 $ 1,453,000 $ 242,166 $ 61,000
Douglas, Georgia 6 $ 878,000 $ 146,333 $ 66,000
Ada, Idaho 6 $ 2,159,000 $ 359,833 $ 159,000
Queen Anne's, Maryland 6 $ 2,169,000 $ 361,500 $ 229,000
Washington, Maryland 6 $ 1,604,000 $ 267,333 $ 70,000
Dukes, Massachusetts 6 $ 2,531,000 $ 421,833 $ 126,000
Santa Fe, New Mexico 6 $ 2,741,000 $ 456,833 $ 151,000
Putnam, New York 6 $ 2,047,000 $ 341,166 $ 126,000
Sullivan, New York 6 $ 1,855,000 $ 309,166 $ 117,000
Gaston, North Carolina 6 $ 516,000 $ 86,000 $ 86,000
Northampton, Pennsylvania 6 $ 1,941,000 $ 323,500 $ 131,000
York, Pennsylvania 6 $ 1,478,000 $ 246,333 $ 78,000
Davidson, Tennessee 6 $ 448,000 $ 74,666 $ 215,000
Williamson, Tennessee 6 $ 2,069,000 $ 344,833 $ 127,000
Bexar, Texas 6 $ 1,179,000 $ 196,500 $ 86,000
Denton, Texas 6 $ 1,977,000 $ 329,500 $ 73,000
Chesapeake, Virginia 6 $ 1,433,000 $ 238,833 $ 93,000
Frederick, Virginia 6 $ 1,819,000 $ 303,166 $ 83,000
Walworth, Wisconsin 6 $ 687,000 $ 114,500 $ 93,000
Amador, California 5 $ 1,604,000 $ 320,800 $ 139,000
Colusa, California 5 $ 1,201,000 $ 240,200 $ 121,000
Mendocino, California 5 $ 1,187,000 $ 237,400 $ 117,000
Shasta, California 5 $ 1,133,000 $ 226,600 $ 80,000
El Paso, Colorado 5 $ 1,612,000 $ 322,400 $ 123,000
Highlands, Florida 5 $ 1,124,000 $ 224,800 $ 90,000
Leon, Florida 5 $ 1,111,000 $ 222,200 $ 122,000
DeKalb, Illinois 5 $ 1,060,000 $ 212,000 $ 75,000
Calvert, Maryland 5 $ 1,946,000 $ 389,200 $ 125,000
Dorchester, Maryland 5 $ 967,000 $ 193,400 $ 93,000
Kent, Maryland 5 $ 1,392,000 $ 278,400 $ 103,000
Talbot, Maryland 5 $ 3,063,000 $ 612,600 $ 263,000
Wicomico, Maryland 5 $ 1,150,000 $ 230,000 $ 68,000
Ingham, Michigan 5 $ 642,000 $ 128,400 $ 73,000
St. Charles, Missouri 5 $ 1,110,000 $ 222,000 $ 104,000
Cheshire, New Hampshire 5 $ 1,147,000 $ 229,400 $ 85,000
Otero, New Mexico 5 $ 609,000 $ 121,800 $ 66,000
Sandoval, New Mexico 5 $ 1,117,000 $ 223,400 $ 97,000
Saratoga, New York 5 $ 1,273,000 $ 254,600 $ 84,000
Warren, New York 5 $ 1,397,000 $ 279,400 $ 104,000
Guilford, North Carolina 5 $ 505,000 $ 101,000 $ 76,000
Iredell, North Carolina 5 $ 1,358,000 $ 271,600 $ 80,000
Franklin, Ohio 5 $ 736,000 $ 147,200 $ 71,000
Marion, Oregon 5 $ 1,960,000 $ 392,000 $ 166,000
Lancaster, Pennsylvania 5 $ 1,046,000 $ 209,200 $ 87,000
Kent, Rhode Island 5 $ 1,485,000 $ 297,000 $ 81,000
Charleston, South Carolina 5 $ 2,595,000 $ 519,000 $ 187,000
El Paso, Texas 5 $ 757,000 $ 151,400 $ 95,000
Windsor, Vermont 5 $ 1,194,000 $ 238,800 $ 266,000
Alexandria, Virginia 5 $ 1,762,000 $ 352,400 $ 110,000
Henrico, Virginia 5 $ 1,375,000 $ 275,000 $ 105,000
Stafford, Virginia 5 $ 1,706,000 $ 341,200 $ 102,000
Kitsap, Washington 5 $ 1,830,000 $ 366,000 $ 141,000
Baldwin, Alabama 4 $ 1,205,000 $ 301,250 $ 299,000
Navajo, Arizona 4 $ 717,000 $ 179,250 $ 135,000
Tehama, California 4 $ 1,206,000 $ 301,500 $ 86,000
Adams, Colorado 4 $ 984,000 $ 246,000 $ 108,000
Larimer, Colorado 4 $ 1,952,000 $ 488,000 $ 210,000
Mesa, Colorado 4 $ 835,000 $ 208,750 $ 89,000
Summit, Colorado 4 $ 2,533,000 $ 633,250 $ 320,000
Bay, Florida 4 $ 1,971,000 $ 492,750 $ 246,000
Citrus, Florida 4 $ 636,000 $ 159,000 $ 112,000
Nassau, Florida 4 $ 1,488,000 $ 372,000 $ 173,000
Camden, Georgia 4 $ 852,000 $ 213,000 $ 48,000
Clayton, Georgia 4 $ 1,006,000 $ 251,500 $ 83,000
Paulding, Georgia 4 $ 742,000 $ 185,500 $ 85,000
Kankakee, Illinois 4 $ 1,142,000 $ 285,500 $ 95,000
Jefferson, Kentucky 4 $ 645,000 $ 161,250 $ 94,000
St. Tammany, Louisiana 4 $ 1,263,000 $ 315,750 $ 511,000
Lincoln, Maine 4 $ 1,248,000 $ 312,000 $ 98,000
Penobscot, Maine 4 $ 522,000 $ 130,500 $ 58,000
St. Mary's, Maryland 4 $ 1,208,000 $ 302,000 $ 151,000
Franklin, Massachusetts 4 $ 1,044,000 $ 261,000 $ 84,000
Genesee, Michigan 4 $ 949,000 $ 237,250 $ 91,000
Scott, Minnesota 4 $ 943,000 $ 235,750 $ 76,000
Washington, Minnesota 4 $ 1,329,000 $ 332,250 $ 121,000
Cumberland, New Jersey 4 $ 864,000 $ 216,000 $ 65,000
Warren, New Jersey 4 $ 1,176,000 $ 294,000 $ 106,000
Albany, New York 4 $ 558,000 $ 139,500 $ 89,000
Rensselaer, New York 4 $ 619,000 $ 154,750 $ 67,000
Catawba, North Carolina 4 $ 591,000 $ 147,750 $ 97,000
Dare, North Carolina 4 $ 2,635,000 $ 658,750 $ 219,000
Durham, North Carolina 4 $ 1,036,000 $ 259,000 $ 159,000
Delaware, Ohio 4 $ 1,819,000 $ 454,750 $ 187,000
Warren, Ohio 4 $ 3,242,000 $ 810,500 $ 367,000
Adams, Pennsylvania 4 $ 854,000 $ 213,500 $ 151,000
Berks, Pennsylvania 4 $ 741,000 $ 185,250 $ 76,000
Carbon, Pennsylvania 4 $ 812,000 $ 203,000 $ 120,000
Dorchester, South Carolina 4 $ 597,000 $ 149,250 $ 88,000
York, South Carolina 4 $ 745,000 $ 186,250 $ 89,000
Shelby, Tennessee 4 $ 452,000 $ 113,000 $ 97,000
Williamson, Texas 4 $ 902,000 $ 225,500 $ 126,000
Rockingham, Virginia 4 $ 1,230,000 $ 307,500 $ 132,000
Spokane, Washington 4 $ 644,000 $ 161,000 $ 42,000
Washington, Wisconsin 4 $ 733,000 $ 183,250 $ 62,000
Cochise, Arizona 3 $ 463,000 $ 154,333 $ 50,000
Coconino, Arizona 3 $ 1,235,000 $ 411,666 $ 190,000
Glenn, California 3 $ 536,000 $ 178,666 $ 52,000
Humboldt, California 3 $ 875,000 $ 291,666 $ 75,000
Kings, California 3 $ 467,000 $ 155,666 $ 74,000
Yuba, California 3 $ 649,000 $ 216,333 $ 61,000
Eagle, Colorado 3 $ 692,000 $ 230,666 $ 98,000
La Plata, Colorado 3 $ 872,000 $ 290,666 $ 88,000
Alachua, Florida 3 $ 628,000 $ 209,333 $ 101,000
Levy, Florida 3 $ 415,000 $ 138,333 $ 0
Okeechobee, Florida 3 $ 754,000 $ 251,333 $ 83,000
Barrow, Georgia 3 $ 883,000 $ 294,333 $ 98,000
Henry, Georgia 3 $ 754,000 $ 251,333 $ 84,000
Bonneville, Idaho 3 $ 1,109,000 $ 369,666 $ 142,000
Boone, Illinois 3 $ 863,000 $ 287,666 $ 278,000
Grundy, Illinois 3 $ 656,000 $ 218,666 $ 93,000
Henry, Illinois 3 $ 252,000 $ 84,000 $ 64,000
LaSalle, Illinois 3 $ 478,000 $ 159,333 $ 58,000
Madison, Illinois 3 $ 382,000 $ 127,333 $ 82,000
Tazewell, Illinois 3 $ 156,000 $ 52,000 $ 35,000
Winnebago, Illinois 3 $ 671,000 $ 223,666 $ 74,000
Marion, Indiana 3 $ 780,000 $ 260,000 $ 85,000
Porter, Indiana 3 $ 644,000 $ 214,666 $ 88,000
Ascension, Louisiana 3 $ 225,000 $ 75,000 $ 110,000
East Baton Rouge, Louisiana 3 $ 784,000 $ 261,333 $ 56,000
Jefferson, Louisiana 3 $ 274,000 $ 91,333 $ 40,000
Franklin, Maine 3 $ 900,000 $ 300,000 $ 447,000
Kennebec, Maine 3 $ 479,000 $ 159,666 $ 72,000
Oxford, Maine 3 $ 614,000 $ 204,666 $ 109,000
Berkshire, Massachusetts 3 $ 639,000 $ 213,000 $ 75,000
Livingston, Michigan 3 $ 390,000 $ 130,000 $ 73,000
St. Clair, Michigan 3 $ 432,000 $ 144,000 $ 62,000
Washtenaw, Michigan 3 $ 541,000 $ 180,333 $ 74,000
Anoka, Minnesota 3 $ 582,000 $ 194,000 $ 74,000
Chaves, New Mexico 3 $ 484,000 $ 161,333 $ 108,000
Columbia, New York 3 $ 723,000 $ 241,000 $ 77,000
Monroe, New York 3 $ 605,000 $ 201,666 $ 59,000
Schenectady, New York 3 $ 1,219,000 $ 406,333 $ 200,000
Brunswick, North Carolina 3 $ 1,419,000 $ 473,000 $ 278,000
Henderson, North Carolina 3 $ 303,000 $ 101,000 $ 61,000
Watauga, North Carolina 3 $ 614,000 $ 204,666 $ 160,000
Cuyahoga, Ohio 3 $ 560,000 $ 186,666 $ 119,000
Geauga, Ohio 3 $ 515,000 $ 171,666 $ 121,000
Hamilton, Ohio 3 $ 508,000 $ 169,333 $ 78,000
Jackson, Oregon 3 $ 783,000 $ 261,000 $ 96,000
Allegheny, Pennsylvania 3 $ 537,000 $ 179,000 $ 73,000
Blair, Pennsylvania 3 $ 315,000 $ 105,000 $ 93,000
Columbia, Pennsylvania 3 $ 489,000 $ 163,000 $ 121,000
Wyoming, Pennsylvania 3 $ 245,000 $ 81,666 $ 72,000
Loudon, Tennessee 3 $ 1,010,000 $ 336,666 $ 184,000
Collin, Texas 3 $ 532,000 $ 177,333 $ 100,000
Fort Bend, Texas 3 $ 1,029,000 $ 343,000 $ 163,000
Weber, Utah 3 $ 672,000 $ 224,000 $ 118,000
Chesterfield, Virginia 3 $ 1,350,000 $ 450,000 $ 246,000
Culpeper, Virginia 3 $ 1,176,000 $ 392,000 $ 120,000
Fairfax City, Virginia 3 $ 1,015,000 $ 338,333 $ 64,000
Gloucester, Virginia 3 $ 616,000 $ 205,333 $ 68,000
Hampton, Virginia 3 $ 443,000 $ 147,666 $ 48,000
York, Virginia 3 $ 747,000 $ 249,000 $ 54,000
Island, Washington 3 $ 1,081,000 $ 360,333 $ 82,000
Mason, Washington 3 $ 561,000 $ 187,000 $ 48,000
Thurston, Washington 3 $ 717,000 $ 239,000 $ 85,000
Yakima, Washington 3 $ 230,000 $ 76,666 $ 62,000
Madison, Alabama 2 $ 547,000 $ 273,500 $ 111,000
Graham, Arizona 2 $ 481,000 $ 240,500 $ 106,000
Garland, Arkansas 2 $ 845,000 $ 422,500 $ 42,000
Mono, California 2 $ 1,148,000 $ 574,000 $ 542,000
San Benito, California 2 $ 942,000 $ 471,000 $ 165,000
Trinity, California 2 $ 363,000 $ 181,500 $ 84,000
Montrose, Colorado 2 $ 520,000 $ 260,000 $ 77,000
Weld, Colorado 2 $ 583,000 $ 291,500 $ 1,200,000
Bradford, Florida 2 $ 158,000 $ 79,000 $ 103,000
Gadsden, Florida 2 $ 454,000 $ 227,000 $ 65,000
Putnam, Florida 2 $ 223,000 $ 111,500 $ 161,000
Sumter, Florida 2 $ 490,000 $ 245,000 $ 73,000
Wakulla, Florida 2 $ 275,000 $ 137,500 $ 59,000
Bibb, Georgia 2 $ 611,000 $ 305,500 $ 101,000
Carroll, Georgia 2 $ 399,000 $ 199,500 $ 106,000
Columbia, Georgia 2 $ 321,000 $ 160,500 $ 52,000
Fayette, Georgia 2 $ 983,000 $ 491,500 $ 107,000
Muscogee, Georgia 2 $ 416,000 $ 208,000 $ 135,000
Walton, Georgia 2 $ 865,000 $ 432,500 $ 119,000
Honolulu, Hawaii 2 $ 1,641,000 $ 820,500 $ 270,000
Bannock, Idaho 2 $ 218,000 $ 109,000 $ 0
Boundary, Idaho 2 $ 304,000 $ 152,000 $ 70,000
Canyon, Idaho 2 $ 518,000 $ 259,000 $ 75,000
Champaign, Illinois 2 $ 216,000 $ 108,000 $ 103,000
Lee, Illinois 2 $ 294,000 $ 147,000 $ 79,000
St. Clair, Illinois 2 $ 566,000 $ 283,000 $ 117,000
Allen, Indiana 2 $ 100,000 $ 50,000 $ 129,000
Hendricks, Indiana 2 $ 516,000 $ 258,000 $ 164,000
Lake, Indiana 2 $ 304,000 $ 152,000 $ 159,000
Pulaski, Indiana 2 $ 126,000 $ 63,000 $ 22,000
Johnson, Kansas 2 $ 428,000 $ 214,000 $ 131,000
Sedgwick, Kansas 2 $ 387,000 $ 193,500 $ 51,000
Orleans, Louisiana 2 $ 1,433,000 $ 716,500 $ 193,000
Knox, Maine 2 $ 397,000 $ 198,500 $ 73,000
Piscataquis, Maine 2 $ 130,000 $ 65,000 $ 109,000
Somerset, Maine 2 $ 659,000 $ 329,500 $ 249,000
Waldo, Maine 2 $ 315,000 $ 157,500 $ 89,000
Hampshire, Massachusetts 2 $ 255,000 $ 127,500 $ 49,000
Grand Traverse, Michigan 2 $ 606,000 $ 303,000 $ 220,000
Kent, Michigan 2 $ 577,000 $ 288,500 $ 533,000
Monroe, Michigan 2 $ 244,000 $ 122,000 $ 57,000
Van Buren, Michigan 2 $ 450,000 $ 225,000 $ 67,000
Carver, Minnesota 2 $ 720,000 $ 360,000 $ 92,000
Ramsey, Minnesota 2 $ 380,000 $ 190,000 $ 80,000
Sherburne, Minnesota 2 $ 680,000 $ 340,000 $ 88,000
Rankin, Mississippi 2 $ 500,000 $ 250,000 $ 65,000
Boone, Missouri 2 $ 200,000 $ 100,000 $ 31,000
Douglas, Nebraska 2 $ 248,000 $ 124,000 $ 64,000
Coos, New Hampshire 2 $ 554,000 $ 277,000 $ 172,000
Roosevelt, New Mexico 2 $ 581,000 $ 290,500 $ 209,000
Chenango, New York 2 $ 197,000 $ 98,500 $ 82,000
Erie, New York 2 $ 322,000 $ 161,000 $ 180,000
Essex, New York 2 $ 738,000 $ 369,000 $ 134,000
Jefferson, New York 2 $ 200,000 $ 100,000 $ 143,000
Madison, New York 2 $ 337,000 $ 168,500 $ 29,000
Oneida, New York 2 $ 475,000 $ 237,500 $ 121,000
Washington, New York 2 $ 277,000 $ 138,500 $ 20,000
Alleghany, North Carolina 2 $ 432,000 $ 216,000 $ 58,000
Cabarrus, North Carolina 2 $ 471,000 $ 235,500 $ 101,000
Clay, North Carolina 2 $ 326,000 $ 163,000 $ 85,000
Davie, North Carolina 2 $ 459,000 $ 229,500 $ 120,000
Johnston, North Carolina 2 $ 202,000 $ 101,000 $ 171,000
Lee, North Carolina 2 $ 351,000 $ 175,500 $ 64,000
McDowell, North Carolina 2 $ 480,000 $ 240,000 $ 91,000
Butler, Ohio 2 $ 333,000 $ 166,500 $ 66,000
Jefferson, Ohio 2 $ 233,000 $ 116,500 $ 77,000
Montgomery, Ohio 2 $ 188,000 $ 94,000 $ 29,000
Summit, Ohio 2 $ 486,000 $ 243,000 $ 91,000
Clatsop, Oregon 2 $ 725,000 $ 362,500 $ 163,000
Columbia, Oregon 2 $ 406,000 $ 203,000 $ 80,000
Douglas, Oregon 2 $ 500,000 $ 250,000 $ 79,000
Josephine, Oregon 2 $ 606,000 $ 303,000 $ 122,000
Klamath, Oregon 2 $ 294,000 $ 147,000 $ 95,000
Clinton, Pennsylvania 2 $ 136,000 $ 68,000 $ 54,000
Cumberland, Pennsylvania 2 $ 389,000 $ 194,500 $ 89,000
Lehigh, Pennsylvania 2 $ 528,000 $ 264,000 $ 96,000
Pike, Pennsylvania 2 $ 515,000 $ 257,500 $ 40,000
Newport, Rhode Island 2 $ 1,367,000 $ 683,500 $ 198,000
Greenville, South Carolina 2 $ 217,000 $ 108,500 $ 59,000
Richland, South Carolina 2 $ 435,000 $ 217,500 $ 116,000
Spartanburg, South Carolina 2 $ 169,000 $ 84,500 $ 35,000
Hamilton, Tennessee 2 $ 380,000 $ 190,000 $ 63,000
Knox, Tennessee 2 $ 235,000 $ 117,500 $ 60,000
Nueces, Texas 2 $ 336,000 $ 168,000 $ 114,000
Cache, Utah 2 $ 755,000 $ 377,500 $ 99,000
Sanpete, Utah 2 $ 608,000 $ 304,000 $ 111,000
Rutland, Vermont 2 $ 1,255,000 $ 627,500 $ 163,000
Albemarle, Virginia 2 $ 1,430,000 $ 715,000 $ 222,000
Augusta, Virginia 2 $ 270,000 $ 135,000 $ 51,000
Caroline, Virginia 2 $ 373,000 $ 186,500 $ 69,000
Charlottesville, Virginia 2 $ 404,000 $ 202,000 $ 63,000
Fluvanna, Virginia 2 $ 518,000 $ 259,000 $ 94,000
Manassas, Virginia 2 $ 542,000 $ 271,000 $ 88,000
Newport News, Virginia 2 $ 2,235,000 $ 1,117,500 $ 49,000
Nottoway, Virginia 2 $ 162,000 $ 81,000 $ 45,000
Suffolk, Virginia 2 $ 763,000 $ 381,500 $ 165,000
Whatcom, Washington 2 $ 596,000 $ 298,000 $ 86,000
Adams, Wisconsin 2 $ 710,000 $ 355,000 $ 141,000
Brown, Wisconsin 2 $ 381,000 $ 190,500 $ 66,000
Menominee, Wisconsin 2 $ 460,000 $ 230,000 $ 390,000
Autauga, Alabama 1 $ 194,000 $ 194,000 $ 43,000
Cherokee, Alabama 1 $ 450,000 $ 450,000 $ 180,000
Chilton, Alabama 1 $ 196,000 $ 196,000 $ 77,000
Elmore, Alabama 1 $ 190,000 $ 190,000 $ 144,000
Geneva, Alabama 1 $ 263,000 $ 263,000 $ 240,000
Shelby, Alabama 1 $ 495,000 $ 495,000 $ 258,000
Gila, Arizona 1 $ 165,000 $ 165,000 $ 118,000
Faulkner, Arkansas 1 $ 285,000 $ 285,000 $ 100,000
Del Norte, California 1 $ 215,000 $ 215,000 $ 180,000
Lassen, California 1 $ 268,000 $ 268,000 $ 58,000
Mariposa, California 1 $ 164,000 $ 164,000 $ 65,000
Siskiyou, California 1 $ 292,000 $ 292,000 $ 98,000
Archuleta, Colorado 1 $ 417,000 $ 417,000 $ 150,000
Delta, Colorado 1 $ 297,000 $ 297,000 $ 55,000
Fremont, Colorado 1 $ 154,000 $ 154,000 $ 36,000
Garfield, Colorado 1 $ 195,000 $ 195,000 $ 120,000
Gunnison, Colorado 1 $ 207,000 $ 207,000 $ 104,000
Las Animas, Colorado 1 $ 88,000 $ 88,000 $ 47,000
Montezuma, Colorado 1 $ 290,000 $ 290,000 $ 97,000
Pitkin, Colorado 1 $ 470,000 $ 470,000 $ 172,000
Pueblo, Colorado 1 $ 260,000 $ 260,000 $ 120,000
Routt, Colorado 1 $ 257,000 $ 257,000 $ 41,000
San Miguel, Colorado 1 $ 975,000 $ 975,000 $ 240,000
Teller, Colorado 1 $ 164,000 $ 164,000 $ 70,000
DeSoto, Florida 1 $ 128,000 $ 128,000 $ 110,000
Franklin, Florida 1 $ 1,488,000 $ 1,488,000 $ 1,457,000
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Mortgage Loan Application Detail Totals for Lydian Private Bank in 2007

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 9,086 $3,383,135,000 $372,000 $10,000,000 $151,000 $9,600,000
Home Purchase 3,865 $1,419,018,000 $367,000 $7,499,000 $158,000 $5,580,000
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 6,524 $2,466,439,000 $378,000 $10,000,000 $168,000 $9,600,000
Not Provided 2,895 $1,096,025,000 $378,000 $6,750,000 $151,000 $4,258,000
Hispanic 1,628 $559,638,000 $343,000 $3,000,000 $128,000 $1,879,000
Black or African American 899 $277,758,000 $308,000 $2,415,000 $112,000 $840,000
Asian 771 $319,087,000 $413,000 $7,499,000 $158,000 $3,600,000
Not applicable 126 $44,462,000 $352,000 $3,552,000 $40,000 $1,762,000
Native Hawaiian or Other Pacific Islander 69 $25,960,000 $376,000 $850,000 $133,000 $514,000
American Indian or Alaskan Native 39 $12,784,000 $327,000 $1,125,000 $126,000 $838,000

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) 12,951 $4,802,153,000 $370,000 $10,000,000 $153,000 $9,600,000
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 5,615 $1,807,479,000 $321,000 $6,470,000 $140,000 $4,998,000
Application Denied By Financial Institution 3,743 $1,622,230,000 $433,000 $7,499,000 $176,000 $5,580,000
Application Approved But Not Accepted 1,891 $743,969,000 $393,000 $10,000,000 $155,000 $9,600,000
Application Withdrawn By Applicant 688 $269,697,000 $392,000 $6,750,000 $165,000 $2,400,000
File Closed For Incompleteness 666 $245,186,000 $368,000 $3,400,000 $152,000 $2,400,000
Preapproval Approved but not Accepted 177 $65,181,000 $368,000 $1,680,000 $138,000 $1,518,000
Loan Purchased By The Institution 116 $28,728,000 $247,000 $885,000 $0 $0
Preapproval Denied by Financial Institution 55 $19,683,000 $357,000 $2,000,000 $113,000 $929,000

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 1,307 $579,608,000 $443,000 $5,500,000 $196,000 $2,500,000
Debt-To-Income Ratio 776 $319,941,000 $412,000 $3,000,000 $128,000 $996,000
Collateral 767 $327,440,000 $426,000 $4,830,000 $189,000 $5,580,000
Credit History 431 $183,555,000 $425,000 $2,850,000 $167,000 $2,100,000
Unverifiable Information 325 $154,767,000 $476,000 $7,499,000 $191,000 $4,258,000
Employment History 99 $41,867,000 $422,000 $1,800,000 $173,000 $630,000
Credit Application Incomplete 46 $18,501,000 $402,000 $2,000,000 $185,000 $1,200,000
Insufficient Cash (Downpayment, Closing Cost) 41 $14,849,000 $362,000 $1,280,000 $135,000 $390,000
Mortgage Insurance Denied 6 $1,385,000 $230,000 $405,000 $92,000 $168,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Lydian Private Bank's 2007 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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