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Act (HMDA) records Lydian Private Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 835 | $ 404,641,000 | $ 484,600 | $ 169,326 |
| Los Angeles-Long Beach-Glendale, CA | 794 | $ 375,252,000 | $ 472,609 | $ 163,000 |
| Chicago-Naperville-Joliet, IL | 538 | $ 144,124,000 | $ 267,888 | $ 110,000 |
| Riverside-San Bernardino-Ontario, CA | 538 | $ 187,324,000 | $ 348,185 | $ 130,000 |
| San Diego-Carlsbad-San Marcos, CA | 522 | $ 229,155,000 | $ 438,994 | $ 171,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 450 | $ 200,478,000 | $ 445,506 | $ 222,000 |
| Santa Ana-Anaheim-Irvine, CA | 430 | $ 237,996,000 | $ 553,479 | $ 206,000 |
| Phoenix-Mesa-Scottsdale, AZ | 420 | $ 140,873,000 | $ 335,411 | $ 134,000 |
| Oakland-Fremont-Hayward, CA | 404 | $ 192,820,000 | $ 477,277 | $ 195,000 |
| Miami-Miami Beach-Kendall, FL | 377 | $ 141,706,000 | $ 375,877 | $ 160,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 294 | $ 101,909,000 | $ 346,629 | $ 168,000 |
| Edison, NJ | 280 | $ 116,106,000 | $ 414,664 | $ 164,000 |
| Nassau-Suffolk, NY | 256 | $ 112,666,000 | $ 440,101 | $ 155,000 |
| Orlando-Kissimmee, FL | 253 | $ 68,771,000 | $ 271,822 | $ 115,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 253 | $ 95,931,000 | $ 379,173 | $ 138,288 |
| Newark-Union, NJ-PA | 216 | $ 77,328,000 | $ 358,000 | $ 147,990 |
| Cambridge-Newton-Framingham, MA | 197 | $ 66,610,000 | $ 338,121 | $ 142,000 |
| Tampa-St. Petersburg-Clearwater, FL | 180 | $ 43,739,000 | $ 242,994 | $ 126,000 |
| Boston-Quincy, MA | 178 | $ 61,276,000 | $ 344,247 | $ 117,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 168 | $ 61,576,000 | $ 366,523 | $ 136,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 155 | $ 86,886,000 | $ 560,554 | $ 218,000 |
| Worcester, MA | 144 | $ 33,530,000 | $ 232,847 | $ 91,000 |
| Jacksonville, FL | 138 | $ 35,805,000 | $ 259,456 | $ 169,000 |
| Port St. Lucie, FL | 134 | $ 43,128,000 | $ 321,850 | $ 194,000 |
| Baltimore-Towson, MD | 129 | $ 40,864,000 | $ 316,775 | $ 124,000 |
| San Francisco-San Mateo-Redwood City, CA | 125 | $ 79,185,000 | $ 633,480 | $ 223,000 |
| Seattle-Bellevue-Everett, WA | 120 | $ 45,424,000 | $ 378,533 | $ 137,000 |
| Atlanta-Sandy Springs-Marietta, GA | 109 | $ 36,390,000 | $ 333,853 | $ 118,000 |
| Las Vegas-Paradise, NV | 88 | $ 33,487,000 | $ 380,534 | $ 167,000 |
| Cape Coral-Fort Myers, FL | 87 | $ 21,901,000 | $ 251,735 | $ 124,000 |
| Philadelphia, PA | 87 | $ 21,123,000 | $ 242,793 | $ 114,000 |
| Peabody, MA | 80 | $ 28,700,000 | $ 358,750 | $ 130,000 |
| Bethesda-Gaithersburg-Frederick, MD | 79 | $ 29,844,000 | $ 377,772 | $ 147,000 |
| Denver-Aurora, CO | 75 | $ 21,061,000 | $ 280,813 | $ 123,000 |
| Bridgeport-Stamford-Norwalk, CT | 66 | $ 34,844,000 | $ 527,939 | $ 267,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 66 | $ 28,608,000 | $ 433,454 | $ 140,000 |
| Stockton, CA | 65 | $ 22,195,000 | $ 341,461 | $ 124,000 |
| Providence-New Bedford-Fall River, RI-MA | 64 | $ 18,773,000 | $ 293,328 | $ 111,250 |
| Camden, NJ | 61 | $ 15,967,000 | $ 261,754 | $ 123,000 |
| Hartford-West Hartford-East Hartford, CT | 61 | $ 14,263,000 | $ 233,819 | $ 100,000 |
| Charlotte-Gastonia-Concord, NC-SC | 60 | $ 12,063,000 | $ 201,050 | $ 111,400 |
| Portland-Vancouver-Beaverton, OR-WA | 59 | $ 17,123,000 | $ 290,220 | $ 115,593 |
| Lakeland, FL | 57 | $ 12,453,000 | $ 218,473 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 56 | $ 17,890,000 | $ 319,464 | $ 145,000 |
| Warren-Troy-Farmington Hills, MI | 56 | $ 13,496,000 | $ 241,000 | $ 118,000 |
| Salt Lake City, UT | 55 | $ 22,167,000 | $ 403,036 | $ 182,000 |
| Bakersfield, CA | 53 | $ 11,334,000 | $ 213,849 | $ 125,000 |
| Fresno, CA | 52 | $ 13,770,000 | $ 264,807 | $ 108,000 |
| Sarasota-Bradenton-Venice, FL | 52 | $ 12,964,000 | $ 249,307 | $ 126,000 |
| Vallejo-Fairfield, CA | 52 | $ 20,825,000 | $ 400,480 | $ 137,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 49 | $ 15,141,000 | $ 309,000 | $ 114,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 49 | $ 12,115,000 | $ 247,244 | $ 75,000 |
| Naples-Marco Island, FL | 47 | $ 20,449,000 | $ 435,085 | $ 247,000 |
| Palm Bay-Melbourne-Titusville, FL | 44 | $ 10,677,000 | $ 242,659 | $ 118,000 |
| Modesto, CA | 41 | $ 12,983,000 | $ 316,658 | $ 140,000 |
| Provo-Orem, UT | 41 | $ 15,443,000 | $ 376,658 | $ 155,000 |
| Salinas, CA | 40 | $ 28,774,000 | $ 719,350 | $ 330,000 |
| Santa Rosa-Petaluma, CA | 40 | $ 15,113,000 | $ 377,825 | $ 123,000 |
| Portland-South Portland-Biddeford, ME | 39 | $ 12,549,000 | $ 321,769 | $ 129,000 |
| New Haven-Milford, CT | 37 | $ 8,308,000 | $ 224,540 | $ 84,000 |
| Tucson, AZ | 35 | $ 9,965,000 | $ 284,714 | $ 133,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 34 | $ 8,120,000 | $ 238,823 | $ 136,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 34 | $ 8,873,000 | $ 260,970 | $ 112,588 |
| Rockingham County-Strafford County, NH | 32 | $ 8,518,000 | $ 266,187 | $ 122,000 |
| Barnstable Town, MA | 31 | $ 12,173,000 | $ 392,677 | $ 198,000 |
| Milwaukee-Waukesha-West Allis, WI | 29 | $ 6,224,000 | $ 214,620 | $ 99,000 |
| Napa, CA | 28 | $ 19,244,000 | $ 687,285 | $ 336,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 27 | $ 13,418,000 | $ 496,962 | $ 182,000 |
| Wilmington, DE-MD-NJ | 27 | $ 5,638,000 | $ 208,814 | $ 80,000 |
| Manchester-Nashua, NH | 26 | $ 6,807,000 | $ 261,807 | $ 106,000 |
| Detroit-Livonia-Dearborn, MI | 25 | $ 3,944,000 | $ 157,760 | $ 123,000 |
| Richmond, VA | 25 | $ 6,838,000 | $ 273,520 | $ 115,000 |
| Houston-Sugar Land-Baytown, TX | 24 | $ 7,698,000 | $ 320,750 | $ 170,000 |
| San Luis Obispo-Paso Robles, CA | 23 | $ 13,234,000 | $ 575,391 | $ 187,000 |
| Trenton-Ewing, NJ | 23 | $ 6,124,000 | $ 266,260 | $ 138,000 |
| Albuquerque, NM | 22 | $ 4,287,000 | $ 194,863 | $ 127,000 |
| Springfield, MA | 21 | $ 4,968,000 | $ 236,571 | $ 92,000 |
| St. Louis, MO-IL | 21 | $ 5,115,000 | $ 243,571 | $ 109,000 |
| Tacoma, WA | 21 | $ 7,708,000 | $ 367,047 | $ 137,000 |
| Dallas-Plano-Irving, TX | 20 | $ 7,119,000 | $ 355,950 | $ 140,000 |
| Visalia-Porterville, CA | 19 | $ 4,824,000 | $ 253,894 | $ 68,000 |
| Pensacola-Ferry Pass-Brent, FL | 18 | $ 3,515,000 | $ 195,277 | $ 89,000 |
| Raleigh-Cary, NC | 18 | $ 4,671,000 | $ 259,500 | $ 118,000 |
| Kansas City, MO-KS | 17 | $ 1,963,000 | $ 115,470 | $ 91,294 |
| Sebastian-Vero Beach, FL | 17 | $ 6,758,000 | $ 397,529 | $ 203,000 |
| Albany-Schenectady-Troy, NY | 16 | $ 3,669,000 | $ 229,312 | $ 103,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 16 | $ 4,457,000 | $ 278,562 | $ 117,250 |
| Atlantic City, NJ | 16 | $ 5,763,000 | $ 360,187 | $ 121,000 |
| Punta Gorda, FL | 16 | $ 4,081,000 | $ 255,062 | $ 109,000 |
| Tulsa, OK | 16 | $ 2,384,000 | $ 149,000 | $ 83,000 |
| Austin-Round Rock, TX | 15 | $ 3,761,000 | $ 250,733 | $ 142,000 |
| Palm Coast, FL | 15 | $ 3,220,000 | $ 214,666 | $ 128,000 |
| Lake Havasu City-Kingman, AZ | 13 | $ 3,830,000 | $ 294,615 | $ 193,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 13 | $ 2,805,000 | $ 215,769 | $ 164,000 |
| Boulder, CO | 12 | $ 3,080,000 | $ 256,666 | $ 130,000 |
| Ocala, FL | 12 | $ 2,270,000 | $ 189,166 | $ 120,000 |
| Ocean City, NJ | 12 | $ 8,063,000 | $ 671,916 | $ 298,000 |
| Ogden-Clearfield, UT | 12 | $ 3,800,000 | $ 316,666 | $ 180,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 6,180,000 | $ 515,000 | $ 151,000 |
| Chico, CA | 11 | $ 2,848,000 | $ 258,909 | $ 88,000 |
| Scranton--Wilkes-Barre, PA | 11 | $ 1,772,000 | $ 161,090 | $ 96,000 |
| Wilmington, NC | 11 | $ 5,043,000 | $ 458,454 | $ 229,000 |
| Charleston-North Charleston, SC | 10 | $ 3,292,000 | $ 329,200 | $ 140,000 |
| Eugene-Springfield, OR | 10 | $ 3,262,000 | $ 326,200 | $ 163,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 10 | $ 2,587,000 | $ 258,700 | $ 81,000 |
| Tallahassee, FL | 10 | $ 2,230,000 | $ 223,000 | $ 98,000 |
| Cincinnati-Middletown, OH-KY-IN | 9 | $ 4,083,000 | $ 453,666 | $ 204,000 |
| Columbus, OH | 9 | $ 2,555,000 | $ 283,888 | $ 122,000 |
| Fort Walton Beach-Crestview-Destin, FL | 9 | $ 4,218,000 | $ 468,666 | $ 245,000 |
| Fort Worth-Arlington, TX | 9 | $ 1,358,000 | $ 150,888 | $ 107,000 |
| Madison, WI | 9 | $ 2,152,000 | $ 239,111 | $ 105,000 |
| Merced, CA | 9 | $ 2,557,000 | $ 284,111 | $ 115,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 2,970,000 | $ 330,000 | $ 283,000 |
| Prescott, AZ | 9 | $ 2,235,000 | $ 248,333 | $ 95,000 |
| Yuba City, CA | 9 | $ 2,002,000 | $ 222,444 | $ 89,000 |
| Birmingham-Hoover, AL | 8 | $ 2,116,000 | $ 264,500 | $ 150,000 |
| Boise City-Nampa, ID | 8 | $ 2,677,000 | $ 334,625 | $ 138,000 |
| Cleveland-Elyria-Mentor, OH | 8 | $ 1,360,000 | $ 170,000 | $ 104,000 |
| El Centro, CA | 8 | $ 1,834,000 | $ 229,250 | $ 106,000 |
| Reno-Sparks, NV | 8 | $ 3,584,000 | $ 448,000 | $ 166,000 |
| Charlottesville, VA | 7 | $ 2,569,000 | $ 367,000 | $ 120,000 |
| Glens Falls, NY | 7 | $ 1,674,000 | $ 239,142 | $ 80,000 |
| Indianapolis-Carmel, IN | 7 | $ 1,711,000 | $ 244,428 | $ 112,000 |
| Kingston, NY | 7 | $ 1,906,000 | $ 272,285 | $ 130,000 |
| Norwich-New London, CT | 7 | $ 1,323,000 | $ 189,000 | $ 88,000 |
| San Antonio, TX | 7 | $ 1,355,000 | $ 193,571 | $ 81,000 |
| St. George, UT | 7 | $ 8,454,000 | $ 1,207,714 | $ 476,000 |
| Winchester, VA-WV | 7 | $ 1,999,000 | $ 285,571 | $ 71,000 |
| Baton Rouge, LA | 6 | $ 1,009,000 | $ 168,166 | $ 83,000 |
| Colorado Springs, CO | 6 | $ 1,776,000 | $ 296,000 | $ 114,000 |
| Dover, DE | 6 | $ 1,854,000 | $ 309,000 | $ 77,000 |
| Durham, NC | 6 | $ 1,751,000 | $ 291,833 | $ 139,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,604,000 | $ 267,333 | $ 70,000 |
| Lansing-East Lansing, MI | 6 | $ 876,000 | $ 146,000 | $ 78,000 |
| Madera, CA | 6 | $ 1,462,000 | $ 243,666 | $ 133,000 |
| Rochester, NY | 6 | $ 1,062,000 | $ 177,000 | $ 62,000 |
| Rockford, IL | 6 | $ 1,534,000 | $ 255,666 | $ 176,000 |
| Salisbury, MD | 6 | $ 1,414,000 | $ 235,666 | $ 77,000 |
| Santa Fe, NM | 6 | $ 2,741,000 | $ 456,833 | $ 151,000 |
| York-Hanover, PA | 6 | $ 1,478,000 | $ 246,333 | $ 78,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,830,000 | $ 366,000 | $ 141,000 |
| El Paso, TX | 5 | $ 757,000 | $ 151,400 | $ 95,000 |
| Gary, IN | 5 | $ 948,000 | $ 189,600 | $ 116,000 |
| Greensboro-High Point, NC | 5 | $ 505,000 | $ 101,000 | $ 76,000 |
| Knoxville, TN | 5 | $ 1,245,000 | $ 249,000 | $ 135,000 |
| Lancaster, PA | 5 | $ 1,046,000 | $ 209,200 | $ 87,000 |
| Louisville-Jefferson County, KY-IN | 5 | $ 1,225,000 | $ 245,000 | $ 131,000 |
| Pittsburgh, PA | 5 | $ 1,025,000 | $ 205,000 | $ 75,000 |
| Redding, CA | 5 | $ 1,133,000 | $ 226,600 | $ 80,000 |
| Salem, OR | 5 | $ 1,960,000 | $ 392,000 | $ 166,000 |
| Asheville, NC | 4 | $ 454,000 | $ 113,500 | $ 142,000 |
| Bangor, ME | 4 | $ 522,000 | $ 130,500 | $ 58,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 351,000 | $ 87,750 | $ 59,000 |
| Flint, MI | 4 | $ 949,000 | $ 237,250 | $ 91,000 |
| Fort Collins-Loveland, CO | 4 | $ 1,952,000 | $ 488,000 | $ 210,000 |
| Gainesville, FL | 4 | $ 794,000 | $ 198,500 | $ 98,000 |
| Grand Junction, CO | 4 | $ 835,000 | $ 208,750 | $ 89,000 |
| Harrisonburg, VA | 4 | $ 1,230,000 | $ 307,500 | $ 132,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 591,000 | $ 147,750 | $ 97,000 |
| Idaho Falls, ID | 4 | $ 1,265,000 | $ 316,250 | $ 129,000 |
| Kankakee-Bradley, IL | 4 | $ 1,142,000 | $ 285,500 | $ 95,000 |
| Memphis, TN-MS-AR | 4 | $ 452,000 | $ 113,000 | $ 97,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 416,000 | $ 104,000 | $ 69,750 |
| Panama City-Lynn Haven, FL | 4 | $ 1,971,000 | $ 492,750 | $ 246,000 |
| Reading, PA | 4 | $ 741,000 | $ 185,250 | $ 76,000 |
| Spokane, WA | 4 | $ 644,000 | $ 161,000 | $ 42,000 |
| Syracuse, NY | 4 | $ 1,776,000 | $ 444,000 | $ 165,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 864,000 | $ 216,000 | $ 65,000 |
| Akron, OH | 3 | $ 740,000 | $ 246,666 | $ 80,000 |
| Altoona, PA | 3 | $ 315,000 | $ 105,000 | $ 93,000 |
| Ann Arbor, MI | 3 | $ 541,000 | $ 180,333 | $ 74,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 441,000 | $ 147,000 | $ 58,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 374,000 | $ 124,666 | $ 136,000 |
| Columbia, SC | 3 | $ 731,000 | $ 243,666 | $ 115,000 |
| Flagstaff, AZ | 3 | $ 1,235,000 | $ 411,666 | $ 190,000 |
| Green Bay, WI | 3 | $ 475,000 | $ 158,333 | $ 49,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 1,647,000 | $ 549,000 | $ 171,000 |
| Hanford-Corcoran, CA | 3 | $ 467,000 | $ 155,666 | $ 74,000 |
| Harrisburg-Carlisle, PA | 3 | $ 497,000 | $ 165,666 | $ 78,000 |
| Jackson, MS | 3 | $ 628,000 | $ 209,333 | $ 63,000 |
| Medford, OR | 3 | $ 783,000 | $ 261,000 | $ 96,000 |
| Olympia, WA | 3 | $ 717,000 | $ 239,000 | $ 85,000 |
| Peoria, IL | 3 | $ 156,000 | $ 52,000 | $ 35,000 |
| Pittsfield, MA | 3 | $ 639,000 | $ 213,000 | $ 75,000 |
| Winston-Salem, NC | 3 | $ 772,000 | $ 257,333 | $ 111,000 |
| Yakima, WA | 3 | $ 230,000 | $ 76,666 | $ 62,000 |
| Bellingham, WA | 2 | $ 596,000 | $ 298,000 | $ 86,000 |
| Burlington-South Burlington, VT | 2 | $ 455,000 | $ 227,500 | $ 97,000 |
| Champaign-Urbana, IL | 2 | $ 216,000 | $ 108,000 | $ 103,000 |
| Chattanooga, TN-GA | 2 | $ 380,000 | $ 190,000 | $ 63,000 |
| Columbia, MO | 2 | $ 200,000 | $ 100,000 | $ 31,000 |
| Columbus, GA-AL | 2 | $ 416,000 | $ 208,000 | $ 135,000 |
| Corpus Christi, TX | 2 | $ 336,000 | $ 168,000 | $ 114,000 |
| Dayton, OH | 2 | $ 188,000 | $ 94,000 | $ 29,000 |
| Fort Wayne, IN | 2 | $ 100,000 | $ 50,000 | $ 129,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 577,000 | $ 288,500 | $ 533,000 |
| Greeley, CO | 2 | $ 583,000 | $ 291,500 | $ 1,200,000 |
| Honolulu, HI | 2 | $ 1,641,000 | $ 820,500 | $ 270,000 |
| Hot Springs, AR | 2 | $ 845,000 | $ 422,500 | $ 42,000 |
| Huntsville, AL | 2 | $ 547,000 | $ 273,500 | $ 111,000 |
| Kalamazoo-Portage, MI | 2 | $ 450,000 | $ 225,000 | $ 67,000 |
| Lexington-Fayette, KY | 2 | $ 271,000 | $ 135,500 | $ 265,000 |
| Logan, UT-ID | 2 | $ 755,000 | $ 377,500 | $ 99,000 |
| Macon, GA | 2 | $ 611,000 | $ 305,500 | $ 101,000 |
| Monroe, MI | 2 | $ 244,000 | $ 122,000 | $ 57,000 |
| Montgomery, AL | 2 | $ 384,000 | $ 192,000 | $ 93,000 |
| Oklahoma City, OK | 2 | $ 638,000 | $ 319,000 | $ 117,000 |
| Pocatello, ID | 2 | $ 218,000 | $ 109,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 2 | $ 355,000 | $ 177,500 | $ 88,000 |
| Spartanburg, SC | 2 | $ 169,000 | $ 84,500 | $ 35,000 |
| Utica-Rome, NY | 2 | $ 475,000 | $ 237,500 | $ 121,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 233,000 | $ 116,500 | $ 77,000 |
| Wichita, KS | 2 | $ 387,000 | $ 193,500 | $ 51,000 |
| Alexandria, LA | 1 | $ 74,000 | $ 74,000 | $ 49,000 |
| Appleton, WI | 1 | $ 296,000 | $ 296,000 | $ 106,000 |
| Battle Creek, MI | 1 | $ 117,000 | $ 117,000 | $ 56,000 |
| Bend, OR | 1 | $ 191,000 | $ 191,000 | $ 96,000 |
| Binghamton, NY | 1 | $ 102,000 | $ 102,000 | $ 70,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 166,000 | $ 166,000 | $ 64,000 |
| Bloomington-Normal, IL | 1 | $ 330,000 | $ 330,000 | $ 235,000 |
| Brunswick, GA | 1 | $ 180,000 | $ 180,000 | $ 68,000 |
| Canton-Massillon, OH | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Clarksville, TN-KY | 1 | $ 361,000 | $ 361,000 | $ 142,000 |
| Corvallis, OR | 1 | $ 428,000 | $ 428,000 | $ 106,000 |
| Decatur, IL | 1 | $ 123,000 | $ 123,000 | $ 75,000 |
| Dothan, AL | 1 | $ 263,000 | $ 263,000 | $ 240,000 |
| Elkhart-Goshen, IN | 1 | $ 174,000 | $ 174,000 | $ 107,000 |
| Fargo, ND-MN | 1 | $ 141,000 | $ 141,000 | $ 64,000 |
| Farmington, NM | 1 | $ 218,000 | $ 218,000 | $ 239,000 |
| Gainesville, GA | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Greenville, NC | 1 | $ 675,000 | $ 675,000 | $ 480,000 |
| Holland-Grand Haven, MI | 1 | $ 188,000 | $ 188,000 | $ 165,000 |
| Ithaca, NY | 1 | $ 350,000 | $ 350,000 | $ 217,000 |
| Jackson, TN | 1 | $ 141,000 | $ 141,000 | $ 291,000 |
| Jacksonville, NC | 1 | $ 273,000 | $ 273,000 | $ 118,000 |
| Jefferson City, MO | 1 | $ 238,000 | $ 238,000 | $ 88,000 |
| Johnson City, TN | 1 | $ 325,000 | $ 325,000 | $ 108,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 146,000 | $ 146,000 | $ 89,000 |
| Las Cruces, NM | 1 | $ 360,000 | $ 360,000 | $ 131,000 |
| Lewiston-Auburn, ME | 1 | $ 158,000 | $ 158,000 | $ 57,000 |
| Lincoln, NE | 1 | $ 172,000 | $ 172,000 | $ 115,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Longview, WA | 1 | $ 143,000 | $ 143,000 | $ 66,000 |
| Lynchburg, VA | 1 | $ 102,000 | $ 102,000 | $ 51,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Michigan City-La Porte, IN | 1 | $ 400,000 | $ 400,000 | $ 420,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 336,000 | $ 336,000 | $ 126,000 |
| Muncie, IN | 1 | $ 80,000 | $ 80,000 | $ 77,000 |
| Niles-Benton Harbor, MI | 1 | $ 90,000 | $ 90,000 | $ 48,000 |
| Pueblo, CO | 1 | $ 260,000 | $ 260,000 | $ 120,000 |
| Racine, WI | 1 | $ 194,000 | $ 194,000 | $ 84,000 |
| Roanoke, VA | 1 | $ 340,000 | $ 340,000 | $ 126,000 |
| Rochester, MN | 1 | $ 224,000 | $ 224,000 | $ 201,000 |
| Rocky Mount, NC | 1 | $ 300,000 | $ 300,000 | $ 172,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Sandusky, OH | 1 | $ 212,000 | $ 212,000 | $ 77,000 |
| Savannah, GA | 1 | $ 77,000 | $ 77,000 | $ 63,000 |
| Sioux City, IA-NE-SD | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Sioux Falls, SD | 1 | $ 385,000 | $ 385,000 | $ 127,000 |
| Toledo, OH | 1 | $ 187,000 | $ 187,000 | $ 105,000 |
| Topeka, KS | 1 | $ 266,000 | $ 266,000 | $ 125,000 |
| Tyler, TX | 1 | $ 150,000 | $ 150,000 | $ 227,000 |
| Valdosta, GA | 1 | $ 158,000 | $ 158,000 | $ 93,000 |
| Wenatchee, WA | 1 | $ 556,000 | $ 556,000 | $ 240,000 |
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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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