Sabadell United Bank NA Mortgage Lending & HMDA Data, 2015
In 2015, Sabadell United Bank NA of Miami, FL reported 549 mortgage applications totaling $712.3 million, up 29% from 2014. The average application was for $1,297,435, and applicants reported an average income of $397,092. 66% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (291), West Palm Beach-Boca Raton-Delray Beach, FL (104) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (73) (applications in parentheses).
| Mortgage Company & Address | Sabadell United Bank NA 1111 Brickell Avenue Miami, FL 33131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 549 |
| Total Mortgage Loan Application Amount | $712,292,000 |
| Average Mortgage Loan Application Amount | $1,297,435 |
| Highest Mortgage Loan Application Amount | $55,000,000 |
| Average Applicant Income | $397,092 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sabadell United Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Miami-Miami Beach-Kendall, FL | 291 | $ 389,875,000 | $ 1,339,776 | $ 369,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 104 | $ 115,124,000 | $ 1,106,961 | $ 408,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 73 | $ 69,500,000 | $ 952,054 | $ 451,000 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 12,457,000 | $ 1,038,083 | $ 308,000 |
| Port St. Lucie, FL | 8 | $ 9,529,000 | $ 1,191,125 | $ 246,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 3,823,000 | $ 637,166 | $ 312,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 4,976,000 | $ 995,200 | $ 767,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 2,731,000 | $ 546,200 | $ 36,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 11,895,000 | $ 2,379,000 | $ 1,861,000 |
| Chicago-Naperville-Arlington Heights, IL | 3 | $ 938,000 | $ 312,666 | $ 136,000 |
| Elgin, IL | 2 | $ 830,000 | $ 415,000 | $ 164,000 |
| Jacksonville, FL | 2 | $ 1,280,000 | $ 640,000 | $ 209,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 1,646,000 | $ 823,000 | $ 286,000 |
| Sebastian-Vero Beach, FL | 2 | $ 2,110,000 | $ 1,055,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,600,000 | $ 1,600,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 850,000 | $ 850,000 | $ 343,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 1,590,000 | $ 1,590,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 400,000 | $ 400,000 | $ 296,000 |
| Newark, NJ-PA | 1 | $ 1,309,000 | $ 1,309,000 | $ 500,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 55,000,000 | $ 55,000,000 | $ 0 |
Mortgage Loan Application Detail Totals for Sabadell United Bank NA in 2015
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 396 | $479,819,000 | $1,211,000 | $55,000,000 | $384,000 | $9,999,000 |
| Refinancing | 120 | $192,089,000 | $1,600,000 | $30,000,000 | $390,000 | $4,413,000 |
| Home Improvement | 33 | $40,384,000 | $1,223,000 | $8,000,000 | $580,000 | $7,409,000 |
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 | 303 | $384,016,000 | $1,267,000 | $9,800,000 | $477,000 | $9,999,000 |
| Hispanic | 190 | $165,287,000 | $869,000 | $5,000,000 | $309,000 | $3,000,000 |
| Not applicable | 19 | $128,995,000 | $6,789,000 | $55,000,000 | $0 | $0 |
| Not Provided | 17 | $29,054,000 | $1,709,000 | $8,400,000 | $765,000 | $4,643,000 |
| Black or African American | 17 | $3,640,000 | $214,000 | $650,000 | $65,000 | $568,000 |
| Asian | 3 | $1,300,000 | $433,000 | $480,000 | $163,000 | $258,000 |
| 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) | 549 | $712,292,000 | $1,297,000 | $55,000,000 | $397,000 | $9,999,000 |
| 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 | 360 | $492,582,000 | $1,368,000 | $55,000,000 | $371,000 | $7,409,000 |
| Application Denied By Financial Institution | 72 | $99,530,000 | $1,382,000 | $8,400,000 | $484,000 | $4,643,000 |
| Application Withdrawn By Applicant | 41 | $58,679,000 | $1,431,000 | $9,800,000 | $544,000 | $2,880,000 |
| File Closed For Incompleteness | 29 | $37,291,000 | $1,285,000 | $8,190,000 | $758,000 | $9,999,000 |
| Application Approved But Not Accepted | 22 | $17,986,000 | $817,000 | $2,000,000 | $170,000 | $645,000 |
| Loan Purchased By The Institution | 14 | $1,600,000 | $114,000 | $128,000 | $32,000 | $46,000 |
| Preapproval Denied by Financial Institution | 11 | $4,624,000 | $420,000 | $1,120,000 | $100,000 | $508,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 27 | $30,371,000 | $1,124,000 | $6,000,000 | $323,000 | $1,500,000 |
| Credit History | 26 | $16,531,000 | $635,000 | $2,000,000 | $119,000 | $673,000 |
| Collateral | 12 | $24,236,000 | $2,019,000 | $8,400,000 | $1,173,000 | $4,643,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $23,229,000 | $2,322,000 | $7,500,000 | $856,000 | $4,413,000 |
| Other | 4 | $7,372,000 | $1,843,000 | $2,820,000 | $126,000 | $505,000 |
| Employment History | 3 | $1,701,000 | $567,000 | $790,000 | $253,000 | $458,000 |
| Unverifiable Information | 1 | $714,000 | $714,000 | $714,000 | $265,000 | $265,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sabadell United Bank NA's 2015 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 Sabadell United Bank NA'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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