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Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 752 | $ 332,189,000 | $ 441,740 | $ 154,000 |
| San Diego-Carlsbad-San Marcos, CA | 668 | $ 311,079,000 | $ 465,687 | $ 166,000 |
| New York-White Plains-Wayne, NY-NJ | 598 | $ 262,176,000 | $ 438,421 | $ 209,826 |
| Riverside-San Bernardino-Ontario, CA | 486 | $ 157,469,000 | $ 324,010 | $ 128,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 476 | $ 178,165,000 | $ 374,296 | $ 188,000 |
| Phoenix-Mesa-Scottsdale, AZ | 467 | $ 137,726,000 | $ 294,916 | $ 124,000 |
| Chicago-Naperville-Joliet, IL | 461 | $ 119,486,000 | $ 259,188 | $ 108,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 393 | $ 146,001,000 | $ 371,503 | $ 137,964 |
| Santa Ana-Anaheim-Irvine, CA | 387 | $ 194,637,000 | $ 502,937 | $ 176,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 323 | $ 113,462,000 | $ 351,275 | $ 164,000 |
| Orlando-Kissimmee, FL | 279 | $ 75,156,000 | $ 269,376 | $ 88,000 |
| Oakland-Fremont-Hayward, CA | 269 | $ 123,124,000 | $ 457,710 | $ 166,000 |
| Baltimore-Towson, MD | 221 | $ 70,498,000 | $ 318,995 | $ 138,000 |
| Edison, NJ | 201 | $ 71,416,000 | $ 355,303 | $ 163,000 |
| Miami-Miami Beach-Kendall, FL | 200 | $ 72,193,000 | $ 360,965 | $ 148,000 |
| Tampa-St. Petersburg-Clearwater, FL | 190 | $ 60,877,000 | $ 320,405 | $ 147,000 |
| Seattle-Bellevue-Everett, WA | 184 | $ 55,843,000 | $ 303,494 | $ 115,000 |
| Nassau-Suffolk, NY | 174 | $ 85,347,000 | $ 490,500 | $ 236,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 147 | $ 76,490,000 | $ 520,340 | $ 152,000 |
| Bridgeport-Stamford-Norwalk, CT | 142 | $ 64,434,000 | $ 453,760 | $ 175,000 |
| Atlanta-Sandy Springs-Marietta, GA | 138 | $ 33,085,000 | $ 239,746 | $ 140,000 |
| Philadelphia, PA | 136 | $ 32,931,000 | $ 242,139 | $ 114,000 |
| Newark-Union, NJ-PA | 133 | $ 47,806,000 | $ 359,443 | $ 167,857 |
| Sacramento--Arden-Arcade--Roseville, CA | 126 | $ 40,716,000 | $ 323,142 | $ 123,000 |
| Bethesda-Gaithersburg-Frederick, MD | 125 | $ 50,947,000 | $ 407,576 | $ 154,000 |
| Cambridge-Newton-Framingham, MA | 123 | $ 37,106,000 | $ 301,674 | $ 131,000 |
| Lakeland, FL | 119 | $ 24,952,000 | $ 209,680 | $ 36,000 |
| Boston-Quincy, MA | 108 | $ 37,240,000 | $ 344,814 | $ 152,000 |
| Las Vegas-Paradise, NV | 107 | $ 36,581,000 | $ 341,878 | $ 158,000 |
| Cape Coral-Fort Myers, FL | 99 | $ 32,932,000 | $ 332,646 | $ 199,000 |
| San Francisco-San Mateo-Redwood City, CA | 99 | $ 62,700,000 | $ 633,333 | $ 219,000 |
| Naples-Marco Island, FL | 94 | $ 49,332,000 | $ 524,808 | $ 266,000 |
| Warren-Troy-Farmington Hills, MI | 86 | $ 26,100,000 | $ 303,488 | $ 153,000 |
| Denver-Aurora, CO | 85 | $ 22,108,000 | $ 260,094 | $ 119,000 |
| Providence-New Bedford-Fall River, RI-MA | 83 | $ 22,083,000 | $ 266,060 | $ 99,012 |
| Port St. Lucie-Fort Pierce, FL | 78 | $ 22,923,000 | $ 293,884 | $ 164,000 |
| Worcester, MA | 72 | $ 15,024,000 | $ 208,666 | $ 89,000 |
| New Haven-Milford, CT | 70 | $ 15,335,000 | $ 219,071 | $ 105,000 |
| Salt Lake City, UT | 64 | $ 16,557,000 | $ 258,703 | $ 145,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 63 | $ 29,380,000 | $ 466,349 | $ 191,000 |
| Hartford-West Hartford-East Hartford, CT | 62 | $ 12,255,000 | $ 197,661 | $ 91,000 |
| Rockingham County-Strafford County, NH | 60 | $ 11,971,000 | $ 199,516 | $ 93,000 |
| Sarasota-Bradenton-Venice, FL | 58 | $ 18,553,000 | $ 319,879 | $ 145,000 |
| Portland-Vancouver-Beaverton, OR-WA | 57 | $ 14,044,000 | $ 246,385 | $ 103,035 |
| Essex County, MA | 56 | $ 16,394,000 | $ 292,750 | $ 133,000 |
| Lake County-Kenosha County, IL-WI | 54 | $ 16,822,000 | $ 311,518 | $ 138,814 |
| Kansas City, MO-KS | 53 | $ 9,974,000 | $ 188,188 | $ 100,811 |
| Stockton, CA | 53 | $ 19,054,000 | $ 359,509 | $ 130,000 |
| Camden, NJ | 51 | $ 11,699,000 | $ 229,392 | $ 123,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 51 | $ 16,677,000 | $ 327,000 | $ 129,098 |
| Bakersfield, CA | 50 | $ 12,231,000 | $ 244,620 | $ 102,000 |
| Wilmington, DE-MD-NJ | 48 | $ 10,736,000 | $ 223,666 | $ 93,354 |
| Charlotte-Gastonia-Concord, NC-SC | 47 | $ 13,014,000 | $ 276,893 | $ 138,531 |
| Houston-Sugar Land-Baytown, TX | 46 | $ 8,018,000 | $ 174,304 | $ 120,000 |
| Jacksonville, FL | 46 | $ 12,194,000 | $ 265,086 | $ 224,000 |
| Provo-Orem, UT | 45 | $ 11,679,000 | $ 259,533 | $ 122,000 |
| St. Louis, MO-IL | 41 | $ 7,043,000 | $ 171,780 | $ 98,170 |
| Tucson, AZ | 41 | $ 9,346,000 | $ 227,951 | $ 117,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 40 | $ 8,025,000 | $ 200,625 | $ 94,800 |
| Dallas-Plano-Irving, TX | 38 | $ 8,995,000 | $ 236,710 | $ 146,000 |
| Manchester-Nashua, NH | 38 | $ 7,835,000 | $ 206,184 | $ 103,000 |
| Detroit-Livonia-Dearborn, MI | 37 | $ 6,685,000 | $ 180,675 | $ 129,000 |
| Santa Rosa-Petaluma, CA | 37 | $ 14,438,000 | $ 390,216 | $ 190,000 |
| Cleveland-Elyria-Mentor, OH | 36 | $ 7,676,000 | $ 213,222 | $ 95,000 |
| Vallejo-Fairfield, CA | 36 | $ 13,930,000 | $ 386,944 | $ 124,000 |
| Columbus, OH | 35 | $ 7,111,000 | $ 203,171 | $ 88,000 |
| Pittsburgh, PA | 34 | $ 8,002,000 | $ 235,352 | $ 192,000 |
| Raleigh-Cary, NC | 34 | $ 6,082,000 | $ 178,882 | $ 136,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 34 | $ 8,522,000 | $ 250,647 | $ 124,411 |
| Fresno, CA | 31 | $ 7,927,000 | $ 255,709 | $ 171,000 |
| Milwaukee-Waukesha-West Allis, WI | 31 | $ 4,672,000 | $ 150,709 | $ 78,000 |
| Portland-South Portland-Biddeford, ME | 31 | $ 8,155,000 | $ 263,064 | $ 129,000 |
| Palm Bay-Melbourne-Titusville, FL | 30 | $ 9,442,000 | $ 314,733 | $ 141,000 |
| Richmond, VA | 29 | $ 7,711,000 | $ 265,896 | $ 125,000 |
| Austin-Round Rock, TX | 28 | $ 5,604,000 | $ 200,142 | $ 157,000 |
| Cincinnati-Middletown, OH-KY-IN | 28 | $ 5,451,000 | $ 194,678 | $ 81,642 |
| Poughkeepsie-Newburgh-Middletown, NY | 28 | $ 6,420,000 | $ 229,285 | $ 95,000 |
| Santa Barbara-Santa Maria, CA | 26 | $ 10,610,000 | $ 408,076 | $ 123,000 |
| Tacoma, WA | 25 | $ 5,032,000 | $ 201,280 | $ 84,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 23 | $ 4,806,000 | $ 208,956 | $ 129,000 |
| Modesto, CA | 23 | $ 6,321,000 | $ 274,826 | $ 110,000 |
| Salinas, CA | 23 | $ 16,715,000 | $ 726,739 | $ 327,000 |
| Springfield, MA | 23 | $ 4,145,000 | $ 180,217 | $ 69,000 |
| Winchester, VA-WV | 23 | $ 5,712,000 | $ 248,347 | $ 80,565 |
| Colorado Springs, CO | 22 | $ 6,533,000 | $ 296,954 | $ 155,000 |
| Hagerstown-Martinsburg, MD-WV | 22 | $ 4,066,000 | $ 184,818 | $ 82,363 |
| Indianapolis-Carmel, IN | 22 | $ 4,343,000 | $ 197,409 | $ 107,000 |
| Reno-Sparks, NV | 22 | $ 7,094,000 | $ 322,454 | $ 156,000 |
| Trenton-Ewing, NJ | 22 | $ 6,758,000 | $ 307,181 | $ 174,000 |
| Albuquerque, NM | 21 | $ 3,943,000 | $ 187,761 | $ 112,000 |
| Boise City-Nampa, ID | 21 | $ 3,790,000 | $ 180,476 | $ 386,000 |
| El Centro, CA | 20 | $ 3,587,000 | $ 179,350 | $ 566,000 |
| Visalia-Porterville, CA | 20 | $ 3,471,000 | $ 173,550 | $ 79,000 |
| Barnstable Town, MA | 19 | $ 11,115,000 | $ 585,000 | $ 124,000 |
| San Luis Obispo-Paso Robles, CA | 19 | $ 9,182,000 | $ 483,263 | $ 172,000 |
| Scranton--Wilkes-Barre, PA | 19 | $ 2,337,000 | $ 123,000 | $ 103,000 |
| Tulsa, OK | 19 | $ 2,599,000 | $ 136,789 | $ 82,000 |
| Ocean City, NJ | 18 | $ 7,299,000 | $ 405,500 | $ 208,000 |
| Ogden-Clearfield, UT | 18 | $ 3,358,000 | $ 186,555 | $ 117,000 |
| Pensacola-Ferry Pass-Brent, FL | 17 | $ 3,372,000 | $ 198,352 | $ 123,000 |
| Peoria, IL | 17 | $ 2,435,000 | $ 143,235 | $ 93,000 |
| Yuba City, CA | 17 | $ 4,611,000 | $ 271,235 | $ 102,000 |
| Boulder, CO | 16 | $ 3,776,000 | $ 236,000 | $ 138,000 |
| Memphis, TN-MS-AR | 15 | $ 2,594,000 | $ 172,933 | $ 140,066 |
| Napa, CA | 15 | $ 6,090,000 | $ 406,000 | $ 195,000 |
| Nashville-Davidson--Murfreesboro, TN | 15 | $ 2,875,000 | $ 191,666 | $ 86,000 |
| Sebastian-Vero Beach, FL | 15 | $ 4,834,000 | $ 322,266 | $ 269,000 |
| Ann Arbor, MI | 14 | $ 3,898,000 | $ 278,428 | $ 113,000 |
| Lexington-Fayette, KY | 14 | $ 2,299,000 | $ 164,214 | $ 78,000 |
| Panama City-Lynn Haven, FL | 13 | $ 5,974,000 | $ 459,538 | $ 290,000 |
| Rockford, IL | 13 | $ 1,597,000 | $ 122,846 | $ 67,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 6,081,000 | $ 467,769 | $ 161,000 |
| Bellingham, WA | 12 | $ 3,509,000 | $ 292,416 | $ 117,000 |
| Chattanooga, TN-GA | 12 | $ 2,352,000 | $ 196,000 | $ 129,916 |
| Durham, NC | 12 | $ 2,789,000 | $ 232,416 | $ 139,000 |
| Akron, OH | 11 | $ 2,136,000 | $ 194,181 | $ 103,000 |
| Atlantic City, NJ | 11 | $ 3,870,000 | $ 351,818 | $ 93,000 |
| Birmingham-Hoover, AL | 11 | $ 2,853,000 | $ 259,363 | $ 125,000 |
| Charleston-North Charleston, SC | 11 | $ 2,864,000 | $ 260,363 | $ 70,000 |
| Chico, CA | 11 | $ 2,498,000 | $ 227,090 | $ 81,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 11 | $ 2,590,000 | $ 235,454 | $ 154,000 |
| Lansing-East Lansing, MI | 11 | $ 1,617,000 | $ 147,000 | $ 75,000 |
| New Orleans-Metairie-Kenner, LA | 11 | $ 2,032,000 | $ 184,727 | $ 86,000 |
| Punta Gorda, FL | 11 | $ 3,332,000 | $ 302,909 | $ 122,000 |
| York-Hanover, PA | 11 | $ 1,618,000 | $ 147,090 | $ 72,000 |
| Albany-Schenectady-Troy, NY | 10 | $ 1,625,000 | $ 162,500 | $ 84,000 |
| Asheville, NC | 10 | $ 1,843,000 | $ 184,300 | $ 65,000 |
| Eugene-Springfield, OR | 10 | $ 1,719,000 | $ 171,900 | $ 82,000 |
| Norwich-New London, CT | 10 | $ 2,192,000 | $ 219,200 | $ 96,000 |
| Ocala, FL | 10 | $ 2,449,000 | $ 244,900 | $ 101,000 |
| Oklahoma City, OK | 10 | $ 1,722,000 | $ 172,200 | $ 89,000 |
| Prescott, AZ | 10 | $ 3,383,000 | $ 338,300 | $ 151,000 |
| Tallahassee, FL | 10 | $ 1,769,000 | $ 176,900 | $ 104,000 |
| Buffalo-Niagara Falls, NY | 9 | $ 1,910,000 | $ 212,222 | $ 132,000 |
| Dayton, OH | 9 | $ 1,313,000 | $ 145,888 | $ 99,000 |
| Fort Walton Beach-Crestview-Destin, FL | 9 | $ 3,339,000 | $ 371,000 | $ 204,000 |
| Fort Worth-Arlington, TX | 9 | $ 1,862,000 | $ 206,888 | $ 124,000 |
| Gary, IN | 9 | $ 1,493,000 | $ 165,888 | $ 93,000 |
| Kankakee-Bradley, IL | 9 | $ 1,282,000 | $ 142,444 | $ 90,000 |
| Louisville-Jefferson County, KY-IN | 9 | $ 1,901,000 | $ 211,222 | $ 96,888 |
| Mount Vernon-Anacortes, WA | 9 | $ 3,404,000 | $ 378,222 | $ 151,000 |
| Olympia, WA | 9 | $ 3,081,000 | $ 342,333 | $ 137,000 |
| Spokane, WA | 9 | $ 2,842,000 | $ 315,777 | $ 296,000 |
| St. George, UT | 9 | $ 5,760,000 | $ 640,000 | $ 393,000 |
| Fort Collins-Loveland, CO | 8 | $ 2,925,000 | $ 365,625 | $ 129,000 |
| Madison, WI | 8 | $ 2,338,000 | $ 292,250 | $ 135,000 |
| Omaha-Council Bluffs, NE-IA | 8 | $ 1,389,000 | $ 173,625 | $ 103,000 |
| Pittsfield, MA | 8 | $ 2,692,000 | $ 336,500 | $ 194,000 |
| Wilmington, NC | 8 | $ 5,300,000 | $ 662,500 | $ 236,000 |
| Baton Rouge, LA | 7 | $ 1,064,000 | $ 152,000 | $ 77,000 |
| Coeur D'Alene, ID | 7 | $ 1,186,000 | $ 169,428 | $ 83,000 |
| Des Moines-West Des Moines, IA | 7 | $ 811,000 | $ 115,857 | $ 356,000 |
| Gainesville, FL | 7 | $ 862,000 | $ 123,142 | $ 83,000 |
| Greensboro-High Point, NC | 7 | $ 1,168,000 | $ 166,857 | $ 73,000 |
| Lancaster, PA | 7 | $ 1,727,000 | $ 246,714 | $ 118,000 |
| Merced, CA | 7 | $ 2,322,000 | $ 331,714 | $ 154,000 |
| Salisbury, MD | 7 | $ 1,456,000 | $ 208,000 | $ 81,000 |
| San Antonio, TX | 7 | $ 1,040,000 | $ 148,571 | $ 97,000 |
| Santa Fe, NM | 7 | $ 2,128,000 | $ 304,000 | $ 106,000 |
| Charlottesville, VA | 6 | $ 1,716,000 | $ 286,000 | $ 99,000 |
| Columbia, SC | 6 | $ 689,000 | $ 114,833 | $ 66,000 |
| Dover, DE | 6 | $ 1,295,000 | $ 215,833 | $ 176,000 |
| Hanford-Corcoran, CA | 6 | $ 999,000 | $ 166,500 | $ 75,000 |
| Jacksonville, NC | 6 | $ 2,089,000 | $ 348,166 | $ 324,000 |
| Little Rock-North Little Rock, AR | 6 | $ 1,305,000 | $ 217,500 | $ 101,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 6 | $ 1,549,000 | $ 258,166 | $ 168,000 |
| Redding, CA | 6 | $ 1,498,000 | $ 249,666 | $ 125,000 |
| Wichita, KS | 6 | $ 936,000 | $ 156,000 | $ 101,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 1,239,000 | $ 206,500 | $ 279,666 |
| Greenville, NC | 5 | $ 762,000 | $ 152,400 | $ 81,000 |
| Knoxville, TN | 5 | $ 2,012,000 | $ 402,400 | $ 204,000 |
| Logan, UT-ID | 5 | $ 1,448,000 | $ 289,600 | $ 94,000 |
| Medford, OR | 5 | $ 921,000 | $ 184,200 | $ 65,000 |
| Toledo, OH | 5 | $ 882,000 | $ 176,400 | $ 94,000 |
| Yuma, AZ | 5 | $ 783,000 | $ 156,600 | $ 94,000 |
| Bremerton-Silverdale, WA | 4 | $ 796,000 | $ 199,000 | $ 118,000 |
| Champaign-Urbana, IL | 4 | $ 424,000 | $ 106,000 | $ 63,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 258,000 | $ 64,500 | $ 75,000 |
| Flagstaff, AZ | 4 | $ 1,157,000 | $ 289,250 | $ 74,000 |
| Flint, MI | 4 | $ 1,531,000 | $ 382,750 | $ 170,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 715,000 | $ 178,750 | $ 82,000 |
| Greenville, SC | 4 | $ 554,000 | $ 138,500 | $ 71,000 |
| Huntsville, AL | 4 | $ 519,000 | $ 129,750 | $ 80,000 |
| Jackson, MS | 4 | $ 631,000 | $ 157,750 | $ 61,000 |
| Kingston, NY | 4 | $ 2,195,000 | $ 548,750 | $ 238,000 |
| Las Cruces, NM | 4 | $ 560,000 | $ 140,000 | $ 112,000 |
| Madera, CA | 4 | $ 1,514,000 | $ 378,500 | $ 138,000 |
| Reading, PA | 4 | $ 826,000 | $ 206,500 | $ 69,000 |
| Rochester, NY | 4 | $ 561,000 | $ 140,250 | $ 79,000 |
| Salem, OR | 4 | $ 1,084,000 | $ 271,000 | $ 88,000 |
| Savannah, GA | 4 | $ 557,000 | $ 139,250 | $ 38,000 |
| Syracuse, NY | 4 | $ 409,000 | $ 102,250 | $ 127,000 |
| Victoria, TX | 4 | $ 662,000 | $ 165,500 | $ 142,000 |
| Athens-Clarke County, GA | 3 | $ 201,000 | $ 67,000 | $ 80,000 |
| Auburn-Opelika, AL | 3 | $ 230,000 | $ 76,666 | $ 77,000 |
| Bend, OR | 3 | $ 1,121,000 | $ 373,666 | $ 155,000 |
| Canton-Massillon, OH | 3 | $ 366,000 | $ 122,000 | $ 38,000 |
| Charleston, WV | 3 | $ 288,000 | $ 96,000 | $ 97,000 |
| Duluth, MN-WI | 3 | $ 614,000 | $ 204,666 | $ 115,000 |
| El Paso, TX | 3 | $ 292,000 | $ 97,333 | $ 59,000 |
| Farmington, NM | 3 | $ 468,000 | $ 156,000 | $ 410,000 |
| Fayetteville, NC | 3 | $ 251,000 | $ 83,666 | $ 95,000 |
| Greeley, CO | 3 | $ 1,201,000 | $ 400,333 | $ 40,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 484,000 | $ 161,333 | $ 57,000 |
| Jackson, MI | 3 | $ 335,000 | $ 111,666 | $ 58,000 |
| Johnson City, TN | 3 | $ 342,000 | $ 114,000 | $ 54,000 |
| Lynchburg, VA | 3 | $ 687,000 | $ 229,000 | $ 76,000 |
| Mansfield, OH | 3 | $ 341,000 | $ 113,666 | $ 65,000 |
| Monroe, MI | 3 | $ 320,000 | $ 106,666 | $ 102,000 |
| Niles-Benton Harbor, MI | 3 | $ 1,708,000 | $ 569,333 | $ 312,000 |
| Racine, WI | 3 | $ 1,492,000 | $ 497,333 | $ 147,000 |
| Rapid City, SD | 3 | $ 304,000 | $ 101,333 | $ 44,000 |
| Shreveport-Bossier City, LA | 3 | $ 371,000 | $ 123,666 | $ 138,000 |
| Springfield, MO | 3 | $ 625,000 | $ 208,333 | $ 144,000 |
| St. Cloud, MN | 3 | $ 580,000 | $ 193,333 | $ 79,000 |
| Tuscaloosa, AL | 3 | $ 415,000 | $ 138,333 | $ 420,000 |
| Amarillo, TX | 2 | $ 566,000 | $ 283,000 | $ 232,000 |
| Anderson, SC | 2 | $ 299,000 | $ 149,500 | $ 104,000 |
| Appleton, WI | 2 | $ 175,000 | $ 87,500 | $ 75,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 475,000 | $ 237,500 | $ 123,000 |
| Bangor, ME | 2 | $ 332,000 | $ 166,000 | $ 108,000 |
| Bay City, MI | 2 | $ 378,000 | $ 189,000 | $ 244,000 |
| Bloomington, IN | 2 | $ 193,000 | $ 96,500 | $ 63,000 |
| Bloomington-Normal, IL | 2 | $ 284,000 | $ 142,000 | $ 42,000 |
| Carson City, NV | 2 | $ 502,000 | $ 251,000 | $ 137,000 |
| Cheyenne, WY | 2 | $ 395,000 | $ 197,500 | $ 172,000 |
| College Station-Bryan, TX | 2 | $ 207,000 | $ 103,500 | $ 68,000 |
| Columbia, MO | 2 | $ 288,000 | $ 144,000 | $ 132,000 |
| Erie, PA | 2 | $ 264,000 | $ 132,000 | $ 59,000 |
| Gainesville, GA | 2 | $ 149,000 | $ 74,500 | $ 100,000 |
| Harrisburg-Carlisle, PA | 2 | $ 166,000 | $ 83,000 | $ 61,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 165,000 | $ 82,500 | $ 43,000 |
| Janesville, WI | 2 | $ 205,000 | $ 102,500 | $ 112,000 |
| Kalamazoo-Portage, MI | 2 | $ 846,000 | $ 423,000 | $ 437,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 182,000 | $ 91,000 | $ 156,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 230,000 | $ 115,000 | $ 77,000 |
| Missoula, MT | 2 | $ 510,000 | $ 255,000 | $ 56,000 |
| Monroe, LA | 2 | $ 416,000 | $ 208,000 | $ 75,000 |
| Montgomery, AL | 2 | $ 570,000 | $ 285,000 | $ 95,000 |
| Muskegon-Norton Shores, MI | 2 | $ 285,000 | $ 142,500 | $ 46,000 |
| Pascagoula, MS | 2 | $ 303,000 | $ 151,500 | $ 84,000 |
| Springfield, OH | 2 | $ 392,000 | $ 196,000 | $ 115,000 |
| Topeka, KS | 2 | $ 441,000 | $ 220,500 | $ 106,000 |
| Yakima, WA | 2 | $ 231,000 | $ 115,500 | $ 48,000 |
| Ames, IA | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Anniston-Oxford, AL | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Beaumont-Port Arthur, TX | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Binghamton, NY | 1 | $ 275,000 | $ 275,000 | $ 144,000 |
| Bismarck, ND | 1 | $ 100,000 | $ 100,000 | $ 121,000 |
| Brownsville-Harlingen, TX | 1 | $ 44,000 | $ 44,000 | $ 99,000 |
| Burlington-South Burlington, VT | 1 | $ 176,000 | $ 176,000 | $ 52,000 |
| Cedar Rapids, IA | 1 | $ 135,000 | $ 135,000 | $ 105,000 |
| Cleveland, TN | 1 | $ 180,000 | $ 180,000 | $ 44,000 |
| Columbus, GA-AL | 1 | $ 100,000 | $ 100,000 | $ 130,000 |
| Columbus, IN | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Corvallis, OR | 1 | $ 417,000 | $ 417,000 | $ 118,000 |
| Cumberland, MD-WV | 1 | $ 107,000 | $ 107,000 | $ 116,000 |
| Danville, VA | 1 | $ 238,000 | $ 238,000 | $ 86,000 |
| Eau Claire, WI | 1 | $ 139,000 | $ 139,000 | $ 36,000 |
| Elkhart-Goshen, IN | 1 | $ 244,000 | $ 244,000 | $ 114,000 |
| Elmira, NY | 1 | $ 156,000 | $ 156,000 | $ 67,000 |
| Florence-Muscle Shoals, AL | 1 | $ 148,000 | $ 148,000 | $ 78,000 |
| Fond Du Lac, WI | 1 | $ 480,000 | $ 480,000 | $ 163,000 |
| Fort Smith, AR-OK | 1 | $ 120,000 | $ 120,000 | $ 90,000 |
| Gadsden, AL | 1 | $ 154,000 | $ 154,000 | $ 138,000 |
| Goldsboro, NC | 1 | $ 249,000 | $ 249,000 | $ 90,000 |
| Grand Forks, ND-MN | 1 | $ 181,000 | $ 181,000 | $ 82,000 |
| Grand Junction, CO | 1 | $ 560,000 | $ 560,000 | $ 191,000 |
| Great Falls, MT | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Green Bay, WI | 1 | $ 186,000 | $ 186,000 | $ 77,000 |
| Gulfport-Biloxi, MS | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Hattiesburg, MS | 1 | $ 72,000 | $ 72,000 | $ 79,000 |
| Holland-Grand Haven, MI | 1 | $ 143,000 | $ 143,000 | $ 37,000 |
| Honolulu, HI | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Idaho Falls, ID | 1 | $ 137,000 | $ 137,000 | $ 58,000 |
| Jackson, TN | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
| Johnstown, PA | 1 | $ 60,000 | $ 60,000 | $ 98,000 |
| Jonesboro, AR | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Joplin, MO | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Lafayette, IN | 1 | $ 50,000 | $ 50,000 | $ 28,000 |
| Lafayette, LA | 1 | $ 189,000 | $ 189,000 | $ 58,000 |
| Laredo, TX | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Lebanon, PA | 1 | $ 158,000 | $ 158,000 | $ 71,000 |
| Lewiston-Auburn, ME | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
| Lincoln, NE | 1 | $ 235,000 | $ 235,000 | $ 102,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Michigan City-La Porte, IN | 1 | $ 172,000 | $ 172,000 | $ 83,000 |
| Oshkosh-Neenah, WI | 1 | $ 417,000 | $ 417,000 | $ 104,000 |
| Pueblo, CO | 1 | $ 109,000 | $ 109,000 | $ 48,000 |
| Roanoke, VA | 1 | $ 348,000 | $ 348,000 | $ 88,000 |
| Rochester, MN | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Rome, GA | 1 | $ 146,000 | $ 146,000 | $ 120,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 182,000 | $ 182,000 | $ 63,000 |
| St. Joseph, MO-KS | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Tyler, TX | 1 | $ 151,000 | $ 151,000 | $ 71,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 137,000 | $ 137,000 | $ 138,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 22,000 | $ 22,000 | $ 77,000 |
| Wenatchee, WA | 1 | $ 585,000 | $ 585,000 | $ 252,000 |
| Winston-Salem, NC | 1 | $ 153,000 | $ 153,000 | $ 0 |
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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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