Premier Mortgage Capital Mortgage Lending & HMDA Data, 2008
In 2008, Premier Mortgage Capital of Orlando, FL reported 1,777 mortgage applications totaling $443.6 million, up 75% from 2007. The average application was for $249,613, and applicants reported an average income of $100,404. 30% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (277), Washington-Arlington-Alexandria, DC-VA-MD-WV (169) and Orlando-Kissimmee, FL (144) (applications in parentheses).
| Mortgage Company & Address | Premier Mortgage Capital 800 N Magnolia Ave Ste 1202 Orlando, FL 32803 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 |
| Total Number of Mortgage Applications | 1,777 |
| Total Mortgage Loan Application Amount | $443,563,000 |
| Average Mortgage Loan Application Amount | $249,613 |
| Highest Mortgage Loan Application Amount | $2,698,000 |
| Average Applicant Income | $100,404 |
| Highest Applicant Income | $2,180,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Premier Mortgage Capital filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 277 | $ 78,428,000 | $ 283,133 | $ 111,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 169 | $ 48,640,000 | $ 287,810 | $ 101,917 |
| Orlando-Kissimmee, FL | 144 | $ 32,271,000 | $ 224,104 | $ 104,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 97 | $ 23,822,000 | $ 245,587 | $ 94,000 |
| Atlanta-Sandy Springs-Marietta, GA | 89 | $ 17,399,000 | $ 195,494 | $ 97,000 |
| Richmond, VA | 87 | $ 15,759,000 | $ 181,137 | $ 66,000 |
| Honolulu, HI | 62 | $ 26,561,000 | $ 428,403 | $ 112,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 54 | $ 12,433,000 | $ 230,240 | $ 117,000 |
| Baltimore-Towson, MD | 49 | $ 10,288,000 | $ 209,959 | $ 111,000 |
| Redding, CA | 44 | $ 9,473,000 | $ 215,295 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 27 | $ 7,764,000 | $ 287,555 | $ 98,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 4,932,000 | $ 197,280 | $ 94,000 |
| Bethesda-Frederick-Gaithersburg, MD | 24 | $ 7,198,000 | $ 299,916 | $ 105,000 |
| Lakeland-Winter Haven, FL | 24 | $ 4,787,000 | $ 199,458 | $ 101,000 |
| Las Vegas-Paradise, NV | 23 | $ 6,378,000 | $ 277,304 | $ 106,000 |
| Providence-New Bedford-Fall River, RI-MA | 23 | $ 5,270,000 | $ 229,130 | $ 71,043 |
| Los Angeles-Long Beach-Glendale, CA | 21 | $ 5,917,000 | $ 281,761 | $ 85,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 21 | $ 4,312,000 | $ 205,333 | $ 71,000 |
| Jacksonville, FL | 18 | $ 2,735,000 | $ 151,944 | $ 74,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 2,805,000 | $ 165,000 | $ 48,000 |
| Boston-Quincy, MA | 13 | $ 6,244,000 | $ 480,307 | $ 237,000 |
| Cambridge-Newton-Framingham, MA | 13 | $ 4,024,000 | $ 309,538 | $ 154,000 |
| Dallas-Plano-Irving, TX | 13 | $ 3,880,000 | $ 298,461 | $ 135,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 2,760,000 | $ 230,000 | $ 112,000 |
| Reno-Sparks, NV | 12 | $ 3,465,000 | $ 288,750 | $ 97,000 |
| Houston-Sugar Land-Baytown, TX | 11 | $ 1,652,000 | $ 150,181 | $ 88,000 |
| Rockingham County-Strafford County, NH | 11 | $ 2,438,000 | $ 221,636 | $ 89,000 |
| Manchester-Nashua, NH | 10 | $ 2,292,000 | $ 229,200 | $ 91,000 |
| Oakland-Fremont-Hayward, CA | 10 | $ 4,189,000 | $ 418,900 | $ 125,000 |
| Greensboro-High Point, NC | 8 | $ 1,185,000 | $ 148,125 | $ 50,000 |
| Naples-Marco Island, FL | 8 | $ 2,172,000 | $ 271,500 | $ 129,000 |
| Port St. Lucie, FL | 8 | $ 1,734,000 | $ 216,750 | $ 101,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 2,294,000 | $ 286,750 | $ 81,000 |
| Charlotte-Gastonia-Concord, NC-SC | 7 | $ 1,150,000 | $ 164,285 | $ 43,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,658,000 | $ 236,857 | $ 91,428 |
| Mobile, AL | 7 | $ 968,000 | $ 138,285 | $ 53,000 |
| Modesto, CA | 7 | $ 1,322,000 | $ 188,857 | $ 58,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 2,404,000 | $ 400,666 | $ 197,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,147,000 | $ 191,166 | $ 117,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,624,000 | $ 270,666 | $ 171,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 2,657,000 | $ 442,833 | $ 120,000 |
| Sumter, SC | 6 | $ 663,000 | $ 110,500 | $ 72,000 |
| Austin-Round Rock, TX | 5 | $ 672,000 | $ 134,400 | $ 60,000 |
| Bradenton-Sarasota-Venice, FL | 5 | $ 1,339,000 | $ 267,800 | $ 105,000 |
| Columbia, SC | 5 | $ 572,000 | $ 114,400 | $ 66,000 |
| Denver-Aurora, CO | 5 | $ 1,174,000 | $ 234,800 | $ 70,000 |
| Peabody, MA | 5 | $ 1,238,000 | $ 247,600 | $ 93,000 |
| Portland-Vancouver-Beaverton, OR-WA | 5 | $ 1,352,000 | $ 270,400 | $ 201,000 |
| Raleigh-Cary, NC | 5 | $ 791,000 | $ 158,200 | $ 88,000 |
| Winchester, VA-WV | 5 | $ 1,259,000 | $ 251,800 | $ 66,000 |
| Albuquerque, NM | 4 | $ 1,092,000 | $ 273,000 | $ 98,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 414,000 | $ 103,500 | $ 47,000 |
| Roanoke, VA | 4 | $ 903,000 | $ 225,750 | $ 77,000 |
| Salinas, CA | 4 | $ 1,250,000 | $ 312,500 | $ 91,000 |
| Wilmington, NC | 4 | $ 653,000 | $ 163,250 | $ 80,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 602,000 | $ 200,666 | $ 75,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 618,000 | $ 206,000 | $ 83,000 |
| New Haven-Milford, CT | 3 | $ 628,000 | $ 209,333 | $ 153,000 |
| Ocala, FL | 3 | $ 437,000 | $ 145,666 | $ 34,000 |
| Pittsfield, MA | 3 | $ 565,000 | $ 188,333 | $ 84,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 912,000 | $ 304,000 | $ 145,000 |
| Sebastian-Vero Beach, FL | 3 | $ 671,000 | $ 223,666 | $ 75,000 |
| Spartanburg, SC | 3 | $ 266,000 | $ 88,666 | $ 104,000 |
| Stockton, CA | 3 | $ 1,032,000 | $ 344,000 | $ 112,000 |
| Worcester, MA | 3 | $ 659,000 | $ 219,666 | $ 59,000 |
| York-Hanover, PA | 3 | $ 612,000 | $ 204,000 | $ 64,000 |
| Albany, GA | 2 | $ 117,000 | $ 58,500 | $ 19,000 |
| Barnstable Town, MA | 2 | $ 741,000 | $ 370,500 | $ 93,000 |
| Birmingham-Hoover, AL | 2 | $ 363,000 | $ 181,500 | $ 112,000 |
| Colorado Springs, CO | 2 | $ 304,000 | $ 152,000 | $ 44,000 |
| Columbus, GA-AL | 2 | $ 409,000 | $ 204,500 | $ 77,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 488,000 | $ 244,000 | $ 97,000 |
| Durham, NC | 2 | $ 286,000 | $ 143,000 | $ 48,000 |
| Fort Collins-Loveland, CO | 2 | $ 401,000 | $ 200,500 | $ 80,000 |
| Fort Worth-Arlington, TX | 2 | $ 475,000 | $ 237,500 | $ 84,000 |
| Fresno, CA | 2 | $ 653,000 | $ 326,500 | $ 231,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 150,000 | $ 75,000 | $ 119,000 |
| Lynchburg, VA | 2 | $ 412,000 | $ 206,000 | $ 82,000 |
| Pittsburgh, PA | 2 | $ 351,000 | $ 175,500 | $ 94,000 |
| San Antonio, TX | 2 | $ 210,000 | $ 105,000 | $ 101,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 532,000 | $ 266,000 | $ 106,000 |
| Savannah, GA | 2 | $ 276,000 | $ 138,000 | $ 65,000 |
| Springfield, MA | 2 | $ 413,000 | $ 206,500 | $ 64,000 |
| Wilmington, DE-MD-NJ | 2 | $ 492,000 | $ 246,000 | $ 111,000 |
| Yuma, AZ | 2 | $ 320,000 | $ 160,000 | $ 51,000 |
| Anniston-Oxford, AL | 1 | $ 147,000 | $ 147,000 | $ 57,000 |
| Athens-Clarke County, GA | 1 | $ 203,000 | $ 203,000 | $ 184,000 |
| Carson City, NV | 1 | $ 186,000 | $ 186,000 | $ 59,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 85,000 | $ 85,000 | $ 108,000 |
| Cumberland, MD-WV | 1 | $ 73,000 | $ 73,000 | $ 41,000 |
| El Paso, TX | 1 | $ 112,000 | $ 112,000 | $ 23,000 |
| Eugene-Springfield, OR | 1 | $ 229,000 | $ 229,000 | $ 58,000 |
| Farmington, NM | 1 | $ 153,000 | $ 153,000 | $ 59,000 |
| Florence, SC | 1 | $ 108,000 | $ 108,000 | $ 30,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Huntsville, AL | 1 | $ 52,000 | $ 52,000 | $ 26,000 |
| Medford, OR | 1 | $ 563,000 | $ 563,000 | $ 145,000 |
| Memphis, TN-MS-AR | 1 | $ 133,000 | $ 133,000 | $ 53,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 309,000 | $ 309,000 | $ 75,000 |
| Palm Coast, FL | 1 | $ 288,000 | $ 288,000 | $ 68,000 |
| Panama City-Lynn Haven, FL | 1 | $ 242,000 | $ 242,000 | $ 100,000 |
| Pascagoula, MS | 1 | $ 167,000 | $ 167,000 | $ 103,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Philadelphia, PA | 1 | $ 147,000 | $ 147,000 | $ 80,000 |
| Prescott, AZ | 1 | $ 227,000 | $ 227,000 | $ 83,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 238,000 | $ 238,000 | $ 341,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 172,000 | $ 172,000 | $ 101,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| Tallahassee, FL | 1 | $ 186,000 | $ 186,000 | $ 72,000 |
| Tuscaloosa, AL | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Victoria, TX | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| Warner Robins, GA | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 150,000 | $ 150,000 | $ 12,000 |
Mortgage Loan Application Detail Totals for Premier Mortgage Capital in 2008
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 | 904 | $222,335,000 | $245,000 | $2,698,000 | $95,000 | $600,000 |
| Home Purchase | 873 | $221,228,000 | $253,000 | $2,500,000 | $106,000 | $2,180,000 |
| 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 | 577 | $138,611,000 | $240,000 | $2,698,000 | $105,000 | $2,180,000 |
| Hispanic | 479 | $126,664,000 | $264,000 | $2,063,000 | $100,000 | $600,000 |
| Black or African American | 309 | $66,934,000 | $216,000 | $863,000 | $88,000 | $667,000 |
| Not Provided | 299 | $69,052,000 | $230,000 | $688,000 | $97,000 | $1,620,000 |
| Asian | 95 | $36,164,000 | $380,000 | $750,000 | $117,000 | $318,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $5,600,000 | $373,000 | $825,000 | $105,000 | $186,000 |
| American Indian or Alaskan Native | 3 | $538,000 | $179,000 | $217,000 | $173,000 | $367,000 |
| 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) | 1,456 | $378,734,000 | $260,000 | $2,698,000 | $107,000 | $2,180,000 |
| FHA-insured (Federal Housing Administration) | 302 | $62,040,000 | $205,000 | $711,000 | $69,000 | $421,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,147,000 | $114,000 | $157,000 | $42,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,642,000 | $182,000 | $243,000 | $52,000 | $104,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 537 | $119,524,000 | $222,000 | $2,698,000 | $84,000 | $667,000 |
| Application Denied By Financial Institution | 507 | $130,296,000 | $256,000 | $2,063,000 | $108,000 | $800,000 |
| Application Approved But Not Accepted | 484 | $128,519,000 | $265,000 | $877,000 | $102,000 | $587,000 |
| Application Withdrawn By Applicant | 136 | $33,131,000 | $243,000 | $825,000 | $104,000 | $1,620,000 |
| File Closed For Incompleteness | 113 | $32,093,000 | $284,000 | $2,500,000 | $133,000 | $2,180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Mortgage Capital's 2008 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 Premier Mortgage Capital'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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