Lydian Private Bank Mortgage Lending & HMDA Data, 2008
In 2008, Lydian Private Bank of Palm Beach Gardens, FL reported 2,098 mortgage applications totaling $593.6 million, down 84% from 2007. The average application was for $282,959, and applicants reported an average income of $123,985. 36% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (195), Los Angeles-Long Beach-Glendale, CA (97) and Boston-Quincy, MA (92) (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 | 2,098 |
| Total Mortgage Loan Application Amount | $593,649,000 |
| Average Mortgage Loan Application Amount | $282,959 |
| Highest Mortgage Loan Application Amount | $8,400,000 |
| Average Applicant Income | $123,985 |
| Highest Applicant Income | $7,095,000 |
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Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 123 | $ 33,006,000 | $ 268,341 | $ 105,000 |
| Los Angeles, California | 97 | $ 32,161,000 | $ 331,556 | $ 117,000 |
| Middlesex, Massachusetts | 77 | $ 23,487,000 | $ 305,025 | $ 131,000 |
| San Diego, California | 65 | $ 19,798,000 | $ 304,584 | $ 115,000 |
| Worcester, Massachusetts | 63 | $ 16,408,000 | $ 260,444 | $ 93,000 |
| Palm Beach, Florida | 61 | $ 35,614,000 | $ 583,836 | $ 316,000 |
| Maricopa, Arizona | 59 | $ 14,536,000 | $ 246,372 | $ 106,000 |
| Essex, Massachusetts | 55 | $ 16,579,000 | $ 301,436 | $ 124,000 |
| Miami-Dade, Florida | 53 | $ 15,762,000 | $ 297,396 | $ 231,000 |
| Orange, California | 50 | $ 17,412,000 | $ 348,240 | $ 125,000 |
| Norfolk, Massachusetts | 44 | $ 13,576,000 | $ 308,545 | $ 110,000 |
| Broward, Florida | 32 | $ 7,247,000 | $ 226,468 | $ 93,000 |
| Riverside, California | 28 | $ 7,361,000 | $ 262,892 | $ 93,000 |
| Suffolk, Massachusetts | 28 | $ 7,827,000 | $ 279,535 | $ 104,000 |
| DuPage, Illinois | 26 | $ 6,662,000 | $ 256,230 | $ 112,000 |
| Santa Clara, California | 22 | $ 7,859,000 | $ 357,227 | $ 128,000 |
| San Bernardino, California | 20 | $ 5,628,000 | $ 281,400 | $ 97,000 |
| Lake, Illinois | 20 | $ 5,625,000 | $ 281,250 | $ 114,000 |
| Plymouth, Massachusetts | 20 | $ 6,410,000 | $ 320,500 | $ 126,000 |
| Pima, Arizona | 18 | $ 3,973,000 | $ 220,722 | $ 93,000 |
| Alameda, California | 17 | $ 5,985,000 | $ 352,058 | $ 128,000 |
| Will, Illinois | 17 | $ 3,568,000 | $ 209,882 | $ 89,000 |
| King, Washington | 17 | $ 5,449,000 | $ 320,529 | $ 114,000 |
| Rockingham, New Hampshire | 16 | $ 4,011,000 | $ 250,687 | $ 97,000 |
| Sacramento, California | 15 | $ 4,113,000 | $ 274,200 | $ 89,000 |
| McHenry, Illinois | 15 | $ 3,584,000 | $ 238,933 | $ 100,000 |
| Queens, New York | 15 | $ 5,823,000 | $ 388,200 | $ 91,000 |
| Contra Costa, California | 14 | $ 4,245,000 | $ 303,214 | $ 101,000 |
| San Mateo, California | 14 | $ 5,328,000 | $ 380,571 | $ 128,000 |
| Bergen, New Jersey | 14 | $ 4,530,000 | $ 323,571 | $ 127,000 |
| Nassau, New York | 14 | $ 4,593,000 | $ 328,071 | $ 190,000 |
| Suffolk, New York | 14 | $ 4,792,000 | $ 342,285 | $ 107,000 |
| Hillsborough, New Hampshire | 13 | $ 2,932,000 | $ 225,538 | $ 75,000 |
| Monmouth, New Jersey | 13 | $ 3,124,000 | $ 240,307 | $ 117,000 |
| Kings, New York | 12 | $ 5,090,000 | $ 424,166 | $ 130,000 |
| Boulder, Colorado | 11 | $ 3,335,000 | $ 303,181 | $ 128,000 |
| Orange, Florida | 11 | $ 2,486,000 | $ 226,000 | $ 81,000 |
| Ocean, New Jersey | 11 | $ 3,123,000 | $ 283,909 | $ 143,000 |
| Salt Lake, Utah | 11 | $ 3,412,000 | $ 310,181 | $ 135,000 |
| Solano, California | 10 | $ 2,870,000 | $ 287,000 | $ 101,000 |
| Hillsborough, Florida | 10 | $ 2,356,000 | $ 235,600 | $ 145,000 |
| Bristol, Massachusetts | 10 | $ 1,963,000 | $ 196,300 | $ 94,000 |
| Fairfax, Virginia | 10 | $ 3,104,000 | $ 310,400 | $ 173,000 |
| Kane, Illinois | 9 | $ 2,030,000 | $ 225,555 | $ 100,000 |
| Montgomery, Maryland | 9 | $ 2,991,000 | $ 332,333 | $ 174,000 |
| Clark, Nevada | 9 | $ 2,158,000 | $ 239,777 | $ 122,000 |
| Middlesex, New Jersey | 9 | $ 2,031,000 | $ 225,666 | $ 98,000 |
| Harris, Texas | 9 | $ 1,584,000 | $ 176,000 | $ 86,000 |
| Collier, Florida | 8 | $ 2,768,000 | $ 346,000 | $ 319,000 |
| Lee, Florida | 8 | $ 1,507,000 | $ 188,375 | $ 127,000 |
| Anne Arundel, Maryland | 8 | $ 2,354,000 | $ 294,250 | $ 149,000 |
| Barnstable, Massachusetts | 8 | $ 2,161,000 | $ 270,125 | $ 110,000 |
| Hudson, New Jersey | 8 | $ 2,397,000 | $ 299,625 | $ 136,000 |
| Union, New Jersey | 8 | $ 2,412,000 | $ 301,500 | $ 120,000 |
| Sonoma, California | 7 | $ 2,276,000 | $ 325,142 | $ 140,000 |
| Tulare, California | 7 | $ 1,450,000 | $ 207,142 | $ 84,000 |
| Fairfield, Connecticut | 7 | $ 2,042,000 | $ 291,714 | $ 180,000 |
| Baltimore, Maryland | 7 | $ 1,568,000 | $ 224,000 | $ 111,000 |
| Prince George's, Maryland | 7 | $ 2,182,000 | $ 311,714 | $ 149,000 |
| Bronx, New York | 7 | $ 2,655,000 | $ 379,285 | $ 230,000 |
| Snohomish, Washington | 7 | $ 1,978,000 | $ 282,571 | $ 73,000 |
| Kern, California | 6 | $ 1,452,000 | $ 242,000 | $ 112,000 |
| Larimer, Colorado | 6 | $ 1,720,000 | $ 286,666 | $ 126,000 |
| Pinellas, Florida | 6 | $ 1,016,000 | $ 169,333 | $ 141,000 |
| Essex, New Jersey | 6 | $ 1,688,000 | $ 281,333 | $ 99,000 |
| Multnomah, Oregon | 6 | $ 1,694,000 | $ 282,333 | $ 124,000 |
| Washington, Oregon | 6 | $ 1,671,000 | $ 278,500 | $ 102,000 |
| Dane, Wisconsin | 6 | $ 1,687,000 | $ 281,166 | $ 83,000 |
| El Dorado, California | 5 | $ 1,712,000 | $ 342,400 | $ 142,000 |
| Placer, California | 5 | $ 1,797,000 | $ 359,400 | $ 101,000 |
| Ventura, California | 5 | $ 1,620,000 | $ 324,000 | $ 96,000 |
| El Paso, Colorado | 5 | $ 1,185,000 | $ 237,000 | $ 101,000 |
| Hartford, Connecticut | 5 | $ 1,025,000 | $ 205,000 | $ 81,000 |
| New Haven, Connecticut | 5 | $ 1,253,000 | $ 250,600 | $ 112,000 |
| Brevard, Florida | 5 | $ 1,025,000 | $ 205,000 | $ 109,000 |
| St. Lucie, Florida | 5 | $ 866,000 | $ 173,200 | $ 86,000 |
| Cumberland, Maine | 5 | $ 1,516,000 | $ 303,200 | $ 146,000 |
| York, Maine | 5 | $ 1,214,000 | $ 242,800 | $ 127,000 |
| Oakland, Michigan | 5 | $ 1,215,000 | $ 243,000 | $ 75,000 |
| Strafford, New Hampshire | 5 | $ 1,125,000 | $ 225,000 | $ 97,000 |
| Morris, New Jersey | 5 | $ 1,725,000 | $ 345,000 | $ 122,000 |
| Passaic, New Jersey | 5 | $ 1,650,000 | $ 330,000 | $ 117,000 |
| Somerset, New Jersey | 5 | $ 1,838,000 | $ 367,600 | $ 247,000 |
| Bucks, Pennsylvania | 5 | $ 1,247,000 | $ 249,400 | $ 87,000 |
| Clark, Washington | 5 | $ 1,385,000 | $ 277,000 | $ 84,000 |
| Pierce, Washington | 5 | $ 1,494,000 | $ 298,800 | $ 110,000 |
| Pinal, Arizona | 4 | $ 562,000 | $ 140,500 | $ 64,000 |
| Fresno, California | 4 | $ 952,000 | $ 238,000 | $ 94,000 |
| San Francisco, California | 4 | $ 1,527,000 | $ 381,750 | $ 182,000 |
| San Joaquin, California | 4 | $ 949,000 | $ 237,250 | $ 114,000 |
| Yolo, California | 4 | $ 1,163,000 | $ 290,750 | $ 135,000 |
| Denver, Colorado | 4 | $ 1,325,000 | $ 331,250 | $ 118,000 |
| Douglas, Colorado | 4 | $ 1,264,000 | $ 316,000 | $ 109,000 |
| New Castle, Delaware | 4 | $ 858,000 | $ 214,500 | $ 112,000 |
| District of Columbia, District Of Columbia | 4 | $ 1,558,000 | $ 389,500 | $ 121,000 |
| Manatee, Florida | 4 | $ 976,000 | $ 244,000 | $ 75,000 |
| Marion, Florida | 4 | $ 546,000 | $ 136,500 | $ 41,000 |
| Osceola, Florida | 4 | $ 1,122,000 | $ 280,500 | $ 112,000 |
| Fulton, Georgia | 4 | $ 587,000 | $ 146,750 | $ 96,000 |
| Gwinnett, Georgia | 4 | $ 835,000 | $ 208,750 | $ 91,000 |
| Kennebec, Maine | 4 | $ 630,000 | $ 157,500 | $ 84,000 |
| Penobscot, Maine | 4 | $ 559,000 | $ 139,750 | $ 139,000 |
| Hampden, Massachusetts | 4 | $ 1,202,000 | $ 300,500 | $ 98,000 |
| Merrimack, New Hampshire | 4 | $ 939,000 | $ 234,750 | $ 111,000 |
| Mecklenburg, North Carolina | 4 | $ 1,105,000 | $ 276,250 | $ 113,000 |
| Wake, North Carolina | 4 | $ 945,000 | $ 236,250 | $ 61,000 |
| Montgomery, Pennsylvania | 4 | $ 1,115,000 | $ 278,750 | $ 117,000 |
| Providence, Rhode Island | 4 | $ 959,000 | $ 239,750 | $ 98,000 |
| Loudoun, Virginia | 4 | $ 1,398,000 | $ 349,500 | $ 128,000 |
| Calaveras, California | 3 | $ 920,000 | $ 306,666 | $ 287,000 |
| Marin, California | 3 | $ 840,000 | $ 280,000 | $ 62,000 |
| Stanislaus, California | 3 | $ 925,000 | $ 308,333 | $ 103,000 |
| Tolland, Connecticut | 3 | $ 696,000 | $ 232,000 | $ 103,000 |
| Duval, Florida | 3 | $ 572,000 | $ 190,666 | $ 91,000 |
| Lake, Florida | 3 | $ 469,000 | $ 156,333 | $ 98,000 |
| Martin, Florida | 3 | $ 1,820,000 | $ 606,666 | $ 175,000 |
| Volusia, Florida | 3 | $ 536,000 | $ 178,666 | $ 67,000 |
| Henry, Georgia | 3 | $ 607,000 | $ 202,333 | $ 84,000 |
| Baltimore City, Maryland | 3 | $ 820,000 | $ 273,333 | $ 87,000 |
| Hampshire, Massachusetts | 3 | $ 573,000 | $ 191,000 | $ 75,000 |
| Macomb, Michigan | 3 | $ 393,000 | $ 131,000 | $ 63,000 |
| Wayne, Michigan | 3 | $ 319,000 | $ 106,333 | $ 74,000 |
| Jackson, Missouri | 3 | $ 601,000 | $ 200,333 | $ 120,000 |
| Grafton, New Hampshire | 3 | $ 372,000 | $ 124,000 | $ 59,000 |
| Mercer, New Jersey | 3 | $ 587,000 | $ 195,666 | $ 85,000 |
| Dutchess, New York | 3 | $ 726,000 | $ 242,000 | $ 34,000 |
| New York, New York | 3 | $ 1,115,000 | $ 371,666 | $ 357,000 |
| Richmond, New York | 3 | $ 930,000 | $ 310,000 | $ 100,000 |
| Durham, North Carolina | 3 | $ 658,000 | $ 219,333 | $ 96,000 |
| Washington, Rhode Island | 3 | $ 771,000 | $ 257,000 | $ 98,000 |
| Tarrant, Texas | 3 | $ 478,000 | $ 159,333 | $ 105,000 |
| Mohave, Arizona | 2 | $ 625,000 | $ 312,500 | $ 130,000 |
| Monterey, California | 2 | $ 648,000 | $ 324,000 | $ 88,000 |
| Santa Barbara, California | 2 | $ 400,000 | $ 200,000 | $ 645,000 |
| Adams, Colorado | 2 | $ 639,000 | $ 319,500 | $ 114,000 |
| Arapahoe, Colorado | 2 | $ 796,000 | $ 398,000 | $ 161,000 |
| Jefferson, Colorado | 2 | $ 494,000 | $ 247,000 | $ 101,000 |
| Montezuma, Colorado | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| Windham, Connecticut | 2 | $ 402,000 | $ 201,000 | $ 63,000 |
| Clay, Florida | 2 | $ 646,000 | $ 323,000 | $ 100,000 |
| Pasco, Florida | 2 | $ 612,000 | $ 306,000 | $ 122,000 |
| Seminole, Florida | 2 | $ 581,000 | $ 290,500 | $ 478,000 |
| Cobb, Georgia | 2 | $ 448,000 | $ 224,000 | $ 102,000 |
| Grundy, Illinois | 2 | $ 442,000 | $ 221,000 | $ 92,000 |
| Kendall, Illinois | 2 | $ 466,000 | $ 233,000 | $ 79,000 |
| Ogle, Illinois | 2 | $ 453,000 | $ 226,500 | $ 98,000 |
| Lake, Indiana | 2 | $ 247,000 | $ 123,500 | $ 64,000 |
| Marion, Indiana | 2 | $ 179,000 | $ 89,500 | $ 48,000 |
| Somerset, Maine | 2 | $ 205,000 | $ 102,500 | $ 38,000 |
| Charles, Maryland | 2 | $ 613,000 | $ 306,500 | $ 87,000 |
| Frederick, Maryland | 2 | $ 817,000 | $ 408,500 | $ 124,000 |
| Howard, Maryland | 2 | $ 431,000 | $ 215,500 | $ 85,000 |
| Dukes, Massachusetts | 2 | $ 776,000 | $ 388,000 | $ 127,000 |
| Washtenaw, Michigan | 2 | $ 384,000 | $ 192,000 | $ 83,000 |
| Anoka, Minnesota | 2 | $ 689,000 | $ 344,500 | $ 109,000 |
| St. Louis, Missouri | 2 | $ 328,000 | $ 164,000 | $ 165,000 |
| Belknap, New Hampshire | 2 | $ 353,000 | $ 176,500 | $ 150,000 |
| Carroll, New Hampshire | 2 | $ 594,000 | $ 297,000 | $ 209,000 |
| Cheshire, New Hampshire | 2 | $ 399,000 | $ 199,500 | $ 60,000 |
| Burlington, New Jersey | 2 | $ 441,000 | $ 220,500 | $ 109,000 |
| Hunterdon, New Jersey | 2 | $ 672,000 | $ 336,000 | $ 152,000 |
| Sussex, New Jersey | 2 | $ 319,000 | $ 159,500 | $ 37,000 |
| Monroe, New York | 2 | $ 194,000 | $ 97,000 | $ 85,000 |
| Onondaga, New York | 2 | $ 122,000 | $ 61,000 | $ 82,000 |
| Rockland, New York | 2 | $ 770,000 | $ 385,000 | $ 122,000 |
| Westchester, New York | 2 | $ 800,000 | $ 400,000 | $ 154,000 |
| Alexander, North Carolina | 2 | $ 360,000 | $ 180,000 | $ 90,000 |
| Currituck, North Carolina | 2 | $ 526,000 | $ 263,000 | $ 200,000 |
| Davidson, North Carolina | 2 | $ 234,000 | $ 117,000 | $ 57,000 |
| Union, North Carolina | 2 | $ 300,000 | $ 150,000 | $ 63,000 |
| Yadkin, North Carolina | 2 | $ 200,000 | $ 100,000 | $ 25,000 |
| Ashland, Ohio | 2 | $ 230,000 | $ 115,000 | $ 35,000 |
| Cuyahoga, Ohio | 2 | $ 126,000 | $ 63,000 | $ 46,000 |
| Clackamas, Oregon | 2 | $ 568,000 | $ 284,000 | $ 80,000 |
| Coos, Oregon | 2 | $ 300,000 | $ 150,000 | $ 39,000 |
| Jackson, Oregon | 2 | $ 614,000 | $ 307,000 | $ 70,000 |
| Allegheny, Pennsylvania | 2 | $ 611,000 | $ 305,500 | $ 272,000 |
| Philadelphia, Pennsylvania | 2 | $ 312,000 | $ 156,000 | $ 59,000 |
| Kent, Rhode Island | 2 | $ 415,000 | $ 207,500 | $ 57,000 |
| Davidson, Tennessee | 2 | $ 378,000 | $ 189,000 | $ 60,000 |
| Montgomery, Tennessee | 2 | $ 356,000 | $ 178,000 | $ 62,000 |
| Williamson, Tennessee | 2 | $ 494,000 | $ 247,000 | $ 73,000 |
| Bexar, Texas | 2 | $ 421,000 | $ 210,500 | $ 80,000 |
| Williamson, Texas | 2 | $ 205,000 | $ 102,500 | $ 94,000 |
| Davis, Utah | 2 | $ 455,000 | $ 227,500 | $ 101,000 |
| Summit, Utah | 2 | $ 484,000 | $ 242,000 | $ 264,000 |
| Tooele, Utah | 2 | $ 348,000 | $ 174,000 | $ 76,000 |
| Frederick, Virginia | 2 | $ 622,000 | $ 311,000 | $ 61,000 |
| Hanover, Virginia | 2 | $ 757,000 | $ 378,500 | $ 106,000 |
| Spotsylvania, Virginia | 2 | $ 570,000 | $ 285,000 | $ 87,000 |
| Spokane, Washington | 2 | $ 391,000 | $ 195,500 | $ 90,000 |
| Colbert, Alabama | 1 | $ 80,000 | $ 80,000 | $ 53,000 |
| Madison, Alabama | 1 | $ 307,000 | $ 307,000 | $ 112,000 |
| Navajo, Arizona | 1 | $ 290,000 | $ 290,000 | $ 41,000 |
| Yavapai, Arizona | 1 | $ 187,000 | $ 187,000 | $ 49,000 |
| Faulkner, Arkansas | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Madera, California | 1 | $ 272,000 | $ 272,000 | $ 51,000 |
| Mendocino, California | 1 | $ 417,000 | $ 417,000 | $ 62,000 |
| Modoc, California | 1 | $ 168,000 | $ 168,000 | $ 82,000 |
| Nevada, California | 1 | $ 360,000 | $ 360,000 | $ 82,000 |
| Sierra, California | 1 | $ 417,000 | $ 417,000 | $ 384,000 |
| Sutter, California | 1 | $ 143,000 | $ 143,000 | $ 74,000 |
| Tuolumne, California | 1 | $ 390,000 | $ 390,000 | $ 245,000 |
| Broomfield, Colorado | 1 | $ 243,000 | $ 243,000 | $ 110,000 |
| Custer, Colorado | 1 | $ 407,000 | $ 407,000 | $ 160,000 |
| Grand, Colorado | 1 | $ 196,000 | $ 196,000 | $ 216,000 |
| Rio Grande, Colorado | 1 | $ 160,000 | $ 160,000 | $ 77,000 |
| Summit, Colorado | 1 | $ 384,000 | $ 384,000 | $ 75,000 |
| Weld, Colorado | 1 | $ 176,000 | $ 176,000 | $ 44,000 |
| Litchfield, Connecticut | 1 | $ 338,000 | $ 338,000 | $ 89,000 |
| Middlesex, Connecticut | 1 | $ 242,000 | $ 242,000 | $ 64,000 |
| New London, Connecticut | 1 | $ 267,000 | $ 267,000 | $ 109,000 |
| Kent, Delaware | 1 | $ 242,000 | $ 242,000 | $ 75,000 |
| Alachua, Florida | 1 | $ 90,000 | $ 90,000 | $ 150,000 |
| Bay, Florida | 1 | $ 138,000 | $ 138,000 | $ 71,000 |
| Charlotte, Florida | 1 | $ 109,000 | $ 109,000 | $ 25,000 |
| Citrus, Florida | 1 | $ 144,000 | $ 144,000 | $ 252,000 |
| Glades, Florida | 1 | $ 332,000 | $ 332,000 | $ 153,000 |
| Hernando, Florida | 1 | $ 206,000 | $ 206,000 | $ 84,000 |
| Jackson, Florida | 1 | $ 104,000 | $ 104,000 | $ 92,000 |
| Polk, Florida | 1 | $ 151,000 | $ 151,000 | $ 101,000 |
| Putnam, Florida | 1 | $ 300,000 | $ 300,000 | $ 122,000 |
| St. Johns, Florida | 1 | $ 407,000 | $ 407,000 | $ 147,000 |
| Banks, Georgia | 1 | $ 248,000 | $ 248,000 | $ 111,000 |
| Cherokee, Georgia | 1 | $ 176,000 | $ 176,000 | $ 98,000 |
| Clayton, Georgia | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| DeKalb, Georgia | 1 | $ 247,000 | $ 247,000 | $ 81,000 |
| Gilmer, Georgia | 1 | $ 48,000 | $ 48,000 | $ 29,000 |
| Stephens, Georgia | 1 | $ 239,000 | $ 239,000 | $ 70,000 |
| Ada, Idaho | 1 | $ 266,000 | $ 266,000 | $ 97,000 |
| Benewah, Idaho | 1 | $ 246,000 | $ 246,000 | $ 43,000 |
| Canyon, Idaho | 1 | $ 136,000 | $ 136,000 | $ 54,000 |
| Valley, Idaho | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Boone, Illinois | 1 | $ 236,000 | $ 236,000 | $ 85,000 |
| Champaign, Illinois | 1 | $ 204,000 | $ 204,000 | $ 122,000 |
| DeKalb, Illinois | 1 | $ 277,000 | $ 277,000 | $ 140,000 |
| McDonough, Illinois | 1 | $ 81,000 | $ 81,000 | $ 79,000 |
| Delaware, Indiana | 1 | $ 80,000 | $ 80,000 | $ 90,000 |
| Hamilton, Indiana | 1 | $ 417,000 | $ 417,000 | $ 188,000 |
| Kosciusko, Indiana | 1 | $ 90,000 | $ 90,000 | $ 79,000 |
| Gray, Kansas | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Estill, Kentucky | 1 | $ 84,000 | $ 84,000 | $ 41,000 |
| Fayette, Kentucky | 1 | $ 136,000 | $ 136,000 | $ 511,000 |
| East Baton Rouge, Louisiana | 1 | $ 113,000 | $ 113,000 | $ 293,000 |
| Livingston, Louisiana | 1 | $ 134,000 | $ 134,000 | $ 33,000 |
| St. James, Louisiana | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Aroostook, Maine | 1 | $ 172,000 | $ 172,000 | $ 78,000 |
| Franklin, Maine | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
| Hancock, Maine | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Oxford, Maine | 1 | $ 402,000 | $ 402,000 | $ 156,000 |
| Washington, Maine | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Caroline, Maryland | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Carroll, Maryland | 1 | $ 230,000 | $ 230,000 | $ 100,000 |
| Cecil, Maryland | 1 | $ 192,000 | $ 192,000 | $ 113,000 |
| Harford, Maryland | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Queen Anne's, Maryland | 1 | $ 260,000 | $ 260,000 | $ 94,000 |
| St. Mary's, Maryland | 1 | $ 375,000 | $ 375,000 | $ 76,000 |
| Berkshire, Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Franklin, Massachusetts | 1 | $ 224,000 | $ 224,000 | $ 76,000 |
| Nantucket, Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 512,000 |
| Genesee, Michigan | 1 | $ 407,000 | $ 407,000 | $ 123,000 |
| Monroe, Michigan | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| St. Clair, Michigan | 1 | $ 214,000 | $ 214,000 | $ 78,000 |
| Hennepin, Minnesota | 1 | $ 127,000 | $ 127,000 | $ 89,000 |
| Scott, Minnesota | 1 | $ 208,000 | $ 208,000 | $ 85,000 |
| Rankin, Mississippi | 1 | $ 120,000 | $ 120,000 | $ 66,000 |
| Adair, Missouri | 1 | $ 140,000 | $ 140,000 | $ 125,000 |
| Cass, Missouri | 1 | $ 226,000 | $ 226,000 | $ 140,000 |
| Clay, Missouri | 1 | $ 143,000 | $ 143,000 | $ 64,000 |
| Jasper, Missouri | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Yellowstone, Montana | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Lincoln, Nebraska | 1 | $ 118,000 | $ 118,000 | $ 64,000 |
| Atlantic, New Jersey | 1 | $ 139,000 | $ 139,000 | $ 73,000 |
| Camden, New Jersey | 1 | $ 143,000 | $ 143,000 | $ 57,000 |
| Gloucester, New Jersey | 1 | $ 107,000 | $ 107,000 | $ 38,000 |
| Curry, New Mexico | 1 | $ 285,000 | $ 285,000 | $ 163,000 |
| Rio Arriba, New Mexico | 1 | $ 194,000 | $ 194,000 | $ 65,000 |
| Santa Fe, New Mexico | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Steuben, New York | 1 | $ 413,000 | $ 413,000 | $ 34,000 |
| Sullivan, New York | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Ulster, New York | 1 | $ 135,000 | $ 135,000 | $ 27,000 |
| Alamance, North Carolina | 1 | $ 63,000 | $ 63,000 | $ 62,000 |
| Buncombe, North Carolina | 1 | $ 212,000 | $ 212,000 | $ 138,000 |
| Cabarrus, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 45,000 |
| Henderson, North Carolina | 1 | $ 212,000 | $ 212,000 | $ 146,000 |
| Iredell, North Carolina | 1 | $ 122,000 | $ 122,000 | $ 854,000 |
| Lincoln, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Hamilton, Ohio | 1 | $ 320,000 | $ 320,000 | $ 123,000 |
| Benton, Oregon | 1 | $ 158,000 | $ 158,000 | $ 47,000 |
| Josephine, Oregon | 1 | $ 399,000 | $ 399,000 | $ 68,000 |
| Lane, Oregon | 1 | $ 268,000 | $ 268,000 | $ 83,000 |
| Beaver, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Delaware, Pennsylvania | 1 | $ 194,000 | $ 194,000 | $ 134,000 |
| Monroe, Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 78,000 |
| Bristol, Rhode Island | 1 | $ 216,000 | $ 216,000 | $ 62,000 |
| Berkeley, South Carolina | 1 | $ 128,000 | $ 128,000 | $ 40,000 |
| Darlington, South Carolina | 1 | $ 244,000 | $ 244,000 | $ 78,000 |
| Greene, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
| Hawkins, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Knox, Tennessee | 1 | $ 234,000 | $ 234,000 | $ 106,000 |
| Shelby, Tennessee | 1 | $ 47,000 | $ 47,000 | $ 25,000 |
| Washington, Tennessee | 1 | $ 189,000 | $ 189,000 | $ 90,000 |
| Brazoria, Texas | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Cameron, Texas | 1 | $ 136,000 | $ 136,000 | $ 103,000 |
| Collin, Texas | 1 | $ 109,000 | $ 109,000 | $ 71,000 |
| Dallas, Texas | 1 | $ 224,000 | $ 224,000 | $ 150,000 |
| Denton, Texas | 1 | $ 123,000 | $ 123,000 | $ 60,000 |
| Fort Bend, Texas | 1 | $ 212,000 | $ 212,000 | $ 137,000 |
| Grayson, Texas | 1 | $ 30,000 | $ 30,000 | $ 60,000 |
| Gregg, Texas | 1 | $ 258,000 | $ 258,000 | $ 144,000 |
| Grimes, Texas | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Victoria, Texas | 1 | $ 143,000 | $ 143,000 | $ 108,000 |
| Utah, Utah | 1 | $ 290,000 | $ 290,000 | $ 69,000 |
| Washington, Utah | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Bennington, Vermont | 1 | $ 261,000 | $ 261,000 | $ 52,000 |
| Augusta, Virginia | 1 | $ 300,000 | $ 300,000 | $ 131,000 |
| Chesapeake, Virginia | 1 | $ 237,000 | $ 237,000 | $ 108,000 |
| Goochland, Virginia | 1 | $ 160,000 | $ 160,000 | $ 122,000 |
| James City, Virginia | 1 | $ 240,000 | $ 240,000 | $ 181,000 |
| Louisa, Virginia | 1 | $ 328,000 | $ 328,000 | $ 138,000 |
| Montgomery, Virginia | 1 | $ 163,000 | $ 163,000 | $ 38,000 |
| Page, Virginia | 1 | $ 187,000 | $ 187,000 | $ 173,000 |
| Powhatan, Virginia | 1 | $ 244,000 | $ 244,000 | $ 125,000 |
| Southampton, Virginia | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Virginia Beach, Virginia | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Warren, Virginia | 1 | $ 175,000 | $ 175,000 | $ 277,000 |
| Cowlitz, Washington | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Ferry, Washington | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| Kitsap, Washington | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Kittitas, Washington | 1 | $ 171,000 | $ 171,000 | $ 80,000 |
| Thurston, Washington | 1 | $ 218,000 | $ 218,000 | $ 66,000 |
| Whatcom, Washington | 1 | $ 266,000 | $ 266,000 | $ 59,000 |
| Jefferson, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Kenosha, Wisconsin | 1 | $ 130,000 | $ 130,000 | $ 194,000 |
| Racine, Wisconsin | 1 | $ 387,000 | $ 387,000 | $ 281,000 |
| Walworth, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 144,000 |
| Waukesha, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Lydian Private Bank in 2008
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 | 1,575 | $443,495,000 | $281,000 | $8,400,000 | $119,000 | $7,095,000 |
| Home Purchase | 523 | $150,154,000 | $287,000 | $5,925,000 | $139,000 | $3,695,000 |
| 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 | 1,244 | $349,442,000 | $280,000 | $5,925,000 | $121,000 | $2,193,000 |
| Not Provided | 426 | $113,336,000 | $266,000 | $680,000 | $123,000 | $1,600,000 |
| Hispanic | 172 | $46,084,000 | $267,000 | $1,075,000 | $108,000 | $2,277,000 |
| Asian | 125 | $38,048,000 | $304,000 | $504,000 | $113,000 | $298,000 |
| Black or African American | 114 | $29,159,000 | $255,000 | $608,000 | $97,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,750,000 | $343,000 | $417,000 | $113,000 | $250,000 |
| American Indian or Alaskan Native | 5 | $906,000 | $181,000 | $359,000 | $66,000 | $100,000 |
| Not applicable | 4 | $13,924,000 | $3,481,000 | $8,400,000 | $2,905,000 | $7,095,000 |
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) | 2,078 | $588,957,000 | $283,000 | $8,400,000 | $124,000 | $7,095,000 |
| FHA-insured (Federal Housing Administration) | 20 | $4,692,000 | $234,000 | $487,000 | $76,000 | $269,000 |
| 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 | 759 | $214,964,000 | $283,000 | $5,925,000 | $116,000 | $2,193,000 |
| Application Approved But Not Accepted | 580 | $166,121,000 | $286,000 | $622,000 | $113,000 | $586,000 |
| Application Denied By Financial Institution | 467 | $123,764,000 | $265,000 | $655,000 | $116,000 | $1,200,000 |
| File Closed For Incompleteness | 164 | $42,658,000 | $260,000 | $2,250,000 | $142,000 | $1,600,000 |
| Application Withdrawn By Applicant | 61 | $28,216,000 | $462,000 | $8,400,000 | $339,000 | $7,095,000 |
| Preapproval Approved but not Accepted | 38 | $10,963,000 | $288,000 | $800,000 | $124,000 | $800,000 |
| Preapproval Denied by Financial Institution | 29 | $6,963,000 | $240,000 | $1,080,000 | $105,000 | $588,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 180 | $48,241,000 | $268,000 | $650,000 | $131,000 | $1,200,000 |
| Other | 108 | $29,887,000 | $276,000 | $1,080,000 | $142,000 | $864,000 |
| Debt-To-Income Ratio | 86 | $23,416,000 | $272,000 | $655,000 | $84,000 | $390,000 |
| Credit History | 51 | $10,424,000 | $204,000 | $442,000 | $78,000 | $426,000 |
| Unverifiable Information | 43 | $12,155,000 | $282,000 | $540,000 | $118,000 | $329,000 |
| Employment History | 13 | $3,297,000 | $253,000 | $416,000 | $60,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,448,000 | $206,000 | $427,000 | $76,000 | $150,000 |
| Credit Application Incomplete | 5 | $1,291,000 | $258,000 | $363,000 | $110,000 | $231,000 |
| Mortgage Insurance Denied | 3 | $568,000 | $189,000 | $225,000 | $50,000 | $78,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lydian Private Bank's 2008 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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