Pmc, Inc. dba Pmc Lending Mortgage Lending & HMDA Data, 2007
In 2007, Pmc, Inc. dba Pmc Lending of Altamonte Springs, FL reported 9,215 mortgage applications totaling $1.5 billion. The average application was for $160,325, and applicants reported an average income of $44,528. 0% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Orlando-Kissimmee, FL (1,171), Tampa-St. Petersburg-Clearwater, FL (817) and Memphis, TN-MS-AR (516) (applications in parentheses).
| Mortgage Company & Address | Pmc, Inc. dba Pmc Lending 101 Wymore Road, Suite 539 Altamonte Springs, FL 32714 |
| Federal Regulator | * available with data download |
| Years | 2007 |
| Total Number of Mortgage Applications | 9,215 |
| Total Mortgage Loan Application Amount | $1,477,399,000 |
| Average Mortgage Loan Application Amount | $160,325 |
| Highest Mortgage Loan Application Amount | $4,700,000 |
| Average Applicant Income | $44,528 |
| Highest Applicant Income | $2,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pmc, Inc. dba Pmc Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orlando-Kissimmee, FL | 1,171 | $ 203,424,000 | $ 173,718 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 817 | $ 117,346,000 | $ 143,630 | $ 40,000 |
| Memphis, TN-MS-AR | 516 | $ 63,955,000 | $ 123,943 | $ 35,930 |
| Jacksonville, FL | 514 | $ 64,943,000 | $ 126,348 | $ 35,000 |
| Miami-Miami Beach-Kendall, FL | 493 | $ 99,107,000 | $ 201,028 | $ 48,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 422 | $ 59,410,000 | $ 140,781 | $ 37,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 406 | $ 93,782,000 | $ 230,990 | $ 57,000 |
| Birmingham-Hoover, AL | 344 | $ 39,049,000 | $ 113,514 | $ 39,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 280 | $ 50,845,000 | $ 181,589 | $ 44,000 |
| Lakeland, FL | 259 | $ 34,306,000 | $ 132,455 | $ 46,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 257 | $ 36,424,000 | $ 141,727 | $ 35,000 |
| Palm Bay-Melbourne-Titusville, FL | 229 | $ 33,762,000 | $ 147,432 | $ 44,000 |
| Sarasota-Bradenton-Venice, FL | 189 | $ 35,204,000 | $ 186,264 | $ 63,000 |
| Pensacola-Ferry Pass-Brent, FL | 174 | $ 20,512,000 | $ 117,885 | $ 37,000 |
| Cape Coral-Fort Myers, FL | 170 | $ 31,945,000 | $ 187,911 | $ 45,000 |
| Baltimore-Towson, MD | 153 | $ 39,200,000 | $ 256,209 | $ 68,000 |
| Atlanta-Sandy Springs-Marietta, GA | 144 | $ 29,161,000 | $ 202,506 | $ 59,000 |
| Tallahassee, FL | 131 | $ 13,457,000 | $ 102,725 | $ 33,000 |
| Port St. Lucie, FL | 127 | $ 23,036,000 | $ 181,385 | $ 50,000 |
| Ocala, FL | 124 | $ 15,170,000 | $ 122,338 | $ 36,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 118 | $ 37,636,000 | $ 318,949 | $ 72,127 |
| Knoxville, TN | 109 | $ 14,059,000 | $ 128,981 | $ 40,000 |
| Chattanooga, TN-GA | 81 | $ 10,405,000 | $ 128,456 | $ 42,000 |
| Naples-Marco Island, FL | 75 | $ 16,860,000 | $ 224,800 | $ 41,000 |
| Gainesville, FL | 59 | $ 7,313,000 | $ 123,949 | $ 44,000 |
| Bethesda-Gaithersburg-Frederick, MD | 56 | $ 19,070,000 | $ 340,535 | $ 66,000 |
| Punta Gorda, FL | 55 | $ 8,814,000 | $ 160,254 | $ 53,000 |
| Jackson, TN | 47 | $ 5,486,000 | $ 116,723 | $ 38,000 |
| Mobile, AL | 45 | $ 4,387,000 | $ 97,488 | $ 27,000 |
| Clarksville, TN-KY | 44 | $ 5,466,000 | $ 124,227 | $ 42,000 |
| Fort Walton Beach-Crestview-Destin, FL | 44 | $ 6,477,000 | $ 147,204 | $ 35,000 |
| Cleveland, TN | 37 | $ 6,500,000 | $ 175,675 | $ 41,000 |
| Morristown, TN | 36 | $ 4,225,000 | $ 117,361 | $ 33,000 |
| Panama City-Lynn Haven, FL | 35 | $ 4,622,000 | $ 132,057 | $ 40,000 |
| Sebastian-Vero Beach, FL | 29 | $ 5,206,000 | $ 179,517 | $ 50,000 |
| Johnson City, TN | 28 | $ 3,853,000 | $ 137,607 | $ 53,000 |
| Palm Coast, FL | 28 | $ 4,500,000 | $ 160,714 | $ 36,000 |
| Kingsport-Bristol-Bristol, TN-VA | 18 | $ 2,116,000 | $ 117,555 | $ 32,000 |
| Hagerstown-Martinsburg, MD-WV | 12 | $ 2,360,000 | $ 196,666 | $ 47,000 |
| New York-White Plains-Wayne, NY-NJ | 9 | $ 1,691,000 | $ 187,888 | $ 38,000 |
| Salisbury, MD | 9 | $ 1,724,000 | $ 191,555 | $ 50,000 |
| Montgomery, AL | 8 | $ 817,000 | $ 102,125 | $ 43,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,654,000 | $ 236,285 | $ 89,000 |
| Columbus, GA-AL | 5 | $ 715,000 | $ 143,000 | $ 26,600 |
| Huntsville, AL | 4 | $ 392,000 | $ 98,000 | $ 23,000 |
| Cumberland, MD-WV | 3 | $ 402,000 | $ 134,000 | $ 63,000 |
| Gainesville, GA | 3 | $ 658,000 | $ 219,333 | $ 38,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 246,000 | $ 123,000 | $ 67,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 205,000 | $ 102,500 | $ 0 |
| Dalton, GA | 2 | $ 618,000 | $ 309,000 | $ 134,000 |
| Kokomo, IN | 2 | $ 175,000 | $ 87,500 | $ 0 |
| Rome, GA | 2 | $ 381,000 | $ 190,500 | $ 65,000 |
| San Juan-Caguas-Guaynabo, PR | 2 | $ 450,000 | $ 225,000 | $ 120,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Tuscaloosa, AL | 2 | $ 319,000 | $ 159,500 | $ 20,000 |
| Ann Arbor, MI | 1 | $ 250,000 | $ 250,000 | $ 23,000 |
| Brunswick, GA | 1 | $ 63,000 | $ 63,000 | $ 12,000 |
| Camden, NJ | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Edison, NJ | 1 | $ 450,000 | $ 450,000 | $ 75,000 |
| Florence-Muscle Shoals, AL | 1 | $ 108,000 | $ 108,000 | $ 150,000 |
| Gadsden, AL | 1 | $ 112,000 | $ 112,000 | $ 93,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Macon, GA | 1 | $ 405,000 | $ 405,000 | $ 254,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Savannah, GA | 1 | $ 50,000 | $ 50,000 | $ 67,000 |
| Trenton-Ewing, NJ | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Valdosta, GA | 1 | $ 180,000 | $ 180,000 | $ 78,000 |
| Warner Robins, GA | 1 | $ 153,000 | $ 153,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Pmc, Inc. dba Pmc Lending 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 | 7,949 | $1,281,214,000 | $161,000 | $4,700,000 | $47,000 | $2,400,000 |
| Home Purchase | 1,265 | $196,035,000 | $154,000 | $1,700,000 | $29,000 | $500,000 |
| Home Improvement | 1 | $150,000 | $150,000 | $150,000 | $38,000 | $38,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 3,790 | $547,255,000 | $144,000 | $2,000,000 | $26,000 | $2,124,000 |
| White | 3,099 | $538,290,000 | $173,000 | $4,700,000 | $60,000 | $1,800,000 |
| Black or African American | 1,387 | $203,357,000 | $146,000 | $1,050,000 | $47,000 | $1,200,000 |
| Hispanic | 872 | $174,090,000 | $199,000 | $1,000,000 | $60,000 | $2,400,000 |
| Asian | 36 | $7,858,000 | $218,000 | $541,000 | $95,000 | $576,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $4,496,000 | $236,000 | $310,000 | $61,000 | $116,000 |
| American Indian or Alaskan Native | 12 | $2,053,000 | $171,000 | $247,000 | $61,000 | $200,000 |
| Not applicable | 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) | 8,522 | $1,385,066,000 | $162,000 | $4,700,000 | $45,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 685 | $91,325,000 | $133,000 | $513,000 | $45,000 | $252,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $910,000 | $130,000 | $159,000 | $34,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 1 | $98,000 | $98,000 | $98,000 | $35,000 | $35,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 8,462 | $1,355,313,000 | $160,000 | $4,700,000 | $45,000 | $2,400,000 |
| Application Denied By Financial Institution | 715 | $117,640,000 | $164,000 | $940,000 | $36,000 | $300,000 |
| Loan Originated | 25 | $2,928,000 | $117,000 | $228,000 | $36,000 | $100,000 |
| Application Approved But Not Accepted | 7 | $841,000 | $120,000 | $205,000 | $46,000 | $131,000 |
| File Closed For Incompleteness | 6 | $677,000 | $112,000 | $195,000 | $61,000 | $122,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 295 | $50,067,000 | $169,000 | $940,000 | $40,000 | $300,000 |
| Credit History | 267 | $41,316,000 | $154,000 | $541,000 | $30,000 | $220,000 |
| Debt-To-Income Ratio | 53 | $8,756,000 | $165,000 | $399,000 | $31,000 | $106,000 |
| Collateral | 31 | $4,889,000 | $157,000 | $470,000 | $41,000 | $127,000 |
| Credit Application Incomplete | 18 | $3,796,000 | $210,000 | $523,000 | $58,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,355,000 | $169,000 | $256,000 | $35,000 | $78,000 |
| Employment History | 1 | $122,000 | $122,000 | $122,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pmc, Inc. dba Pmc Lending'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 Pmc, Inc. dba Pmc Lending'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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