Lydian Private Bank Mortgage Lending & HMDA Data, 2010
In 2010, Lydian Private Bank of Palm Beach Gardens, FL reported 247 mortgage applications totaling $96.6 million, up 34% from 2009. The average application was for $390,975, and applicants reported an average income of $201,728. 40% of its applications resulted in an originated loan and 21% were denied. Its largest markets were West Palm Beach-Boca Raton-Boynton Beach, FL (47), Tampa-St. Petersburg-Clearwater, FL (24) and Chicago-Joliet-Naperville, IL (14) (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 | 247 |
| Total Mortgage Loan Application Amount | $96,571,000 |
| Average Mortgage Loan Application Amount | $390,975 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $201,728 |
| Highest Applicant Income | $9,475,000 |
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Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| West Palm Beach-Boca Raton-Boynton Beach, FL | 47 | $ 27,370,000 | $ 582,340 | $ 269,000 |
| Tampa-St. Petersburg-Clearwater, FL | 24 | $ 3,729,000 | $ 155,375 | $ 103,000 |
| Chicago-Joliet-Naperville, IL | 14 | $ 2,512,000 | $ 179,428 | $ 89,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 3,705,000 | $ 308,750 | $ 141,666 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 4,734,000 | $ 473,400 | $ 153,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 8,966,000 | $ 1,494,333 | $ 2,022,000 |
| New York-White Plains-Wayne, NY-NJ | 6 | $ 2,528,000 | $ 421,333 | $ 143,500 |
| Newark-Union, NJ-PA | 6 | $ 2,210,000 | $ 368,333 | $ 126,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 2,786,000 | $ 557,200 | $ 271,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,313,000 | $ 262,600 | $ 53,000 |
| Worcester, MA | 5 | $ 968,000 | $ 193,600 | $ 87,000 |
| Denver-Aurora-Broomfield, CO | 4 | $ 1,046,000 | $ 261,500 | $ 117,000 |
| Edison-New Brunswick, NJ | 4 | $ 1,073,000 | $ 268,250 | $ 120,000 |
| Naples-Marco Island, FL | 4 | $ 1,355,000 | $ 338,750 | $ 128,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 3,800,000 | $ 950,000 | $ 126,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 863,000 | $ 287,666 | $ 95,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 493,000 | $ 164,333 | $ 74,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 317,000 | $ 105,666 | $ 56,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 919,000 | $ 306,333 | $ 139,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,778,000 | $ 592,666 | $ 146,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 333,000 | $ 166,500 | $ 106,000 |
| Baltimore-Towson, MD | 2 | $ 505,000 | $ 252,500 | $ 13,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 2,115,000 | $ 1,057,500 | $ 210,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 191,000 | $ 95,500 | $ 33,000 |
| Dallas-Plano-Irving, TX | 2 | $ 415,000 | $ 207,500 | $ 173,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 361,000 | $ 180,500 | $ 148,000 |
| Manchester-Nashua, NH | 2 | $ 588,000 | $ 294,000 | $ 137,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 247,000 | $ 123,500 | $ 56,000 |
| Salt Lake City, UT | 2 | $ 625,000 | $ 312,500 | $ 82,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 2,490,000 | $ 1,245,000 | $ 154,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,605,000 | $ 802,500 | $ 154,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Appleton, WI | 1 | $ 250,000 | $ 250,000 | $ 76,000 |
| Asheville, NC | 1 | $ 225,000 | $ 225,000 | $ 20,000 |
| Athens-Clarke County, GA | 1 | $ 111,000 | $ 111,000 | $ 56,000 |
| Boston-Quincy, MA | 1 | $ 335,000 | $ 335,000 | $ 97,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 346,000 | $ 346,000 | $ 84,000 |
| Camden, NJ | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Columbus, OH | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 129,000 | $ 129,000 | $ 83,000 |
| Dayton, OH | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 110,000 | $ 110,000 | $ 38,000 |
| Fort Worth-Arlington, TX | 1 | $ 130,000 | $ 130,000 | $ 78,000 |
| Jacksonville, FL | 1 | $ 190,000 | $ 190,000 | $ 96,000 |
| Kansas City, MO-KS | 1 | $ 250,000 | $ 250,000 | $ 145,000 |
| Lancaster, PA | 1 | $ 213,000 | $ 213,000 | $ 125,000 |
| Las Vegas-Paradise, NV | 1 | $ 113,000 | $ 113,000 | $ 165,000 |
| Lawrence, KS | 1 | $ 102,000 | $ 102,000 | $ 33,000 |
| Memphis, TN-MS-AR | 1 | $ 1,000,000 | $ 1,000,000 | $ 489,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 83,000 | $ 83,000 | $ 71,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| Nassau-Suffolk, NY | 1 | $ 729,000 | $ 729,000 | $ 263,000 |
| New Haven-Milford, CT | 1 | $ 238,000 | $ 238,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 162,000 | $ 162,000 | $ 87,000 |
| Ogden-Clearfield, UT | 1 | $ 329,000 | $ 329,000 | $ 94,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 407,000 | $ 407,000 | $ 14,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 253,000 | $ 253,000 | $ 80,000 |
| Palm Coast, FL | 1 | $ 159,000 | $ 159,000 | $ 165,000 |
| Peabody, MA | 1 | $ 238,000 | $ 238,000 | $ 132,000 |
| Port St. Lucie, FL | 1 | $ 240,000 | $ 240,000 | $ 79,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 252,000 | $ 252,000 | $ 54,000 |
| Richmond, VA | 1 | $ 279,000 | $ 279,000 | $ 88,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 525,000 | $ 525,000 | $ 134,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 160,000 | $ 160,000 | $ 124,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 271,000 | $ 271,000 | $ 129,000 |
| St. Louis, MO-IL | 1 | $ 226,000 | $ 226,000 | $ 66,000 |
| Wilmington, NC | 1 | $ 87,000 | $ 87,000 | $ 17,000 |
Mortgage Loan Application Detail Totals for Lydian Private Bank in 2010
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 | 160 | $56,274,000 | $351,000 | $3,000,000 | $135,000 | $2,652,000 |
| Home Purchase | 78 | $36,369,000 | $466,000 | $7,000,000 | $332,000 | $9,475,000 |
| Home Improvement | 9 | $3,928,000 | $436,000 | $1,500,000 | $259,000 | $791,000 |
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 | 130 | $51,055,000 | $392,000 | $1,950,000 | $200,000 | $1,845,000 |
| Not Provided | 47 | $16,000,000 | $340,000 | $1,640,000 | $139,000 | $874,000 |
| Not applicable | 28 | $10,477,000 | $374,000 | $2,850,000 | $134,000 | $2,652,000 |
| Black or African American | 22 | $4,218,000 | $191,000 | $440,000 | $78,000 | $323,000 |
| Hispanic | 14 | $12,712,000 | $908,000 | $7,000,000 | $791,000 | $9,475,000 |
| Asian | 6 | $2,109,000 | $351,000 | $562,000 | $110,000 | $176,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 194 | $88,170,000 | $454,000 | $7,000,000 | $240,000 | $9,475,000 |
| FHA-insured (Federal Housing Administration) | 51 | $8,073,000 | $158,000 | $507,000 | $60,000 | $268,000 |
| VA-guaranteed (Veterans Administration) | 2 | $328,000 | $164,000 | $169,000 | $59,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 98 | $42,355,000 | $432,000 | $7,000,000 | $283,000 | $9,475,000 |
| Application Withdrawn By Applicant | 61 | $23,863,000 | $391,000 | $1,950,000 | $172,000 | $1,282,000 |
| Application Denied By Financial Institution | 53 | $21,998,000 | $415,000 | $3,000,000 | $152,000 | $1,598,000 |
| Loan Purchased By The Institution | 24 | $3,269,000 | $136,000 | $297,000 | $46,000 | $82,000 |
| Application Approved But Not Accepted | 10 | $3,566,000 | $356,000 | $1,687,000 | $170,000 | $944,000 |
| File Closed For Incompleteness | 1 | $1,520,000 | $1,520,000 | $1,520,000 | $720,000 | $720,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $2,390,000 | $170,000 | $407,000 | $60,000 | $123,000 |
| Debt-To-Income Ratio | 14 | $8,353,000 | $596,000 | $3,000,000 | $113,000 | $276,000 |
| Collateral | 9 | $2,552,000 | $283,000 | $507,000 | $143,000 | $268,000 |
| Unverifiable Information | 6 | $2,825,000 | $470,000 | $1,540,000 | $67,000 | $155,000 |
| Other | 5 | $2,748,000 | $549,000 | $1,640,000 | $245,000 | $874,000 |
| Credit Application Incomplete | 3 | $1,859,000 | $619,000 | $1,400,000 | $330,000 | $780,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,271,000 | $635,000 | $1,000,000 | $863,000 | $1,598,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lydian Private Bank's 2010 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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