Mortgage Lenders Investment Tr Mortgage Lending & HMDA Data, 2021
In 2021, Mortgage Lenders Investment Tr of Lake Mary, FL reported 8,702 mortgage applications totaling $2.0 billion, up 3% from 2020. The average application was for $228,693, and applicants reported an average income of $91,538. 77% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (2,238), Tampa-St. Petersburg-Clearwater, FL (1,456) and Deltona-Daytona Beach-Ormond Beach, FL (1,168) (applications in parentheses).
| Mortgage Company & Address | Mortgage Lenders Investment Tr 1400 International Parkway South Suite 1000 Lake Mary Lake Mary, FL 32746 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 8,702 |
| Total Mortgage Loan Application Amount | $1,990,090,000 |
| Average Mortgage Loan Application Amount | $228,693 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $91,538 |
| Highest Applicant Income | $1,170,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mortgage Lenders Investment Tr filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Sanford, FL | 2,238 | $ 537,000,000 | $ 239,946 | $ 94,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,456 | $ 328,690,000 | $ 225,748 | $ 91,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1,168 | $ 258,960,000 | $ 221,712 | $ 84,000 |
| Jacksonville, FL | 622 | $ 145,350,000 | $ 233,681 | $ 98,000 |
| Lakeland-Winter Haven, FL | 584 | $ 113,520,000 | $ 194,383 | $ 77,000 |
| Gainesville, FL | 432 | $ 101,430,000 | $ 234,791 | $ 109,000 |
| Palm Bay-Melbourne-Titusville, FL | 397 | $ 85,605,000 | $ 215,629 | $ 85,000 |
| North Port-Sarasota-Bradenton, FL | 325 | $ 79,115,000 | $ 243,430 | $ 94,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 268 | $ 70,160,000 | $ 261,791 | $ 104,000 |
| Port St. Lucie, FL | 189 | $ 46,975,000 | $ 248,544 | $ 102,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 169 | $ 43,945,000 | $ 260,029 | $ 108,000 |
| Ocala, FL | 159 | $ 28,585,000 | $ 179,779 | $ 78,000 |
| Outside any metro area | 143 | $ 27,745,000 | $ 194,020 | $ 81,307 |
| Cape Coral-Fort Myers, FL | 111 | $ 25,535,000 | $ 230,045 | $ 82,000 |
| Miami-Miami Beach-Kendall, FL | 90 | $ 24,420,000 | $ 271,333 | $ 111,000 |
| Homosassa Springs, FL | 66 | $ 11,990,000 | $ 181,666 | $ 68,000 |
| Punta Gorda, FL | 60 | $ 12,330,000 | $ 205,500 | $ 73,000 |
| The Villages, FL | 59 | $ 13,495,000 | $ 228,728 | $ 88,000 |
| Sebastian-Vero Beach, FL | 50 | $ 10,180,000 | $ 203,600 | $ 79,000 |
| Sebring, FL | 31 | $ 4,665,000 | $ 150,483 | $ 58,000 |
| Naples-Immokalee-Marco Island, FL | 25 | $ 7,305,000 | $ 292,200 | $ 111,000 |
| Tulsa, OK | 10 | $ 1,480,000 | $ 148,000 | $ 83,000 |
| Tallahassee, FL | 8 | $ 1,770,000 | $ 221,250 | $ 112,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,625,000 | $ 232,142 | $ 127,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 985,000 | $ 197,000 | $ 117,000 |
| Panama City, FL | 4 | $ 970,000 | $ 242,500 | $ 137,000 |
| Asheville, NC | 3 | $ 975,000 | $ 325,000 | $ 136,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 455,000 | $ 151,666 | $ 109,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,055,000 | $ 351,666 | $ 211,000 |
| Raleigh, NC | 2 | $ 440,000 | $ 220,000 | $ 76,000 |
| San Antonio-New Braunfels, TX | 2 | $ 510,000 | $ 255,000 | $ 128,000 |
| Wilmington, NC | 2 | $ 580,000 | $ 290,000 | $ 96,000 |
| Greensboro-High Point, NC | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Morristown, TN | 1 | $ 155,000 | $ 155,000 | $ 133,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| New Bern, NC | 1 | $ 175,000 | $ 175,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Mortgage Lenders Investment Tr in 2021
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 4,449 | $995,765,000 | $223,000 | $825,000 | $88,000 | $1,004,000 |
| Refinancing | 2,639 | $593,205,000 | $224,000 | $875,000 | $96,000 | $1,101,000 |
| Home Purchase | 1,614 | $401,120,000 | $248,000 | $1,125,000 | $94,000 | $1,170,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,835 | $1,108,255,000 | $229,000 | $1,125,000 | $94,000 | $1,170,000 |
| Not Provided | 2,537 | $583,005,000 | $229,000 | $655,000 | $90,000 | $884,000 |
| Hispanic | 838 | $184,640,000 | $220,000 | $665,000 | $81,000 | $538,000 |
| Black or African American | 324 | $73,660,000 | $227,000 | $515,000 | $79,000 | $580,000 |
| Asian | 109 | $27,355,000 | $250,000 | $545,000 | $116,000 | $882,000 |
| American Indian or Alaskan Native | 29 | $6,285,000 | $216,000 | $405,000 | $89,000 | $275,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,800,000 | $225,000 | $365,000 | $101,000 | $219,000 |
| 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) | 6,666 | $1,520,290,000 | $228,000 | $1,125,000 | $97,000 | $1,170,000 |
| FHA-insured (Federal Housing Administration) | 1,510 | $331,570,000 | $219,000 | $595,000 | $74,000 | $1,101,000 |
| VA-guaranteed (Veterans Administration) | 481 | $129,125,000 | $268,000 | $885,000 | $71,000 | $377,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $9,105,000 | $202,000 | $465,000 | $57,000 | $95,000 |
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 | 6,667 | $1,510,425,000 | $226,000 | $1,125,000 | $92,000 | $1,170,000 |
| Application Withdrawn By Applicant | 1,143 | $272,495,000 | $238,000 | $875,000 | $92,000 | $1,028,000 |
| File Closed For Incompleteness | 517 | $119,535,000 | $231,000 | $725,000 | $85,000 | $1,101,000 |
| Application Denied By Financial Institution | 296 | $67,810,000 | $229,000 | $825,000 | $77,000 | $794,000 |
| Application Approved But Not Accepted | 79 | $19,825,000 | $250,000 | $885,000 | $98,000 | $396,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 8,406 | $1,922,280,000 | $228,000 | $1,125,000 | $92,000 | $1,170,000 |
| Debt-To-Income Ratio | 111 | $26,755,000 | $241,000 | $545,000 | $65,000 | $300,000 |
| Credit History | 90 | $21,570,000 | $239,000 | $825,000 | $91,000 | $794,000 |
| Other | 40 | $8,480,000 | $212,000 | $415,000 | $72,000 | $264,000 |
| Collateral | 31 | $5,695,000 | $183,000 | $435,000 | $94,000 | $497,000 |
| Employment History | 12 | $2,760,000 | $230,000 | $455,000 | $69,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,245,000 | $249,000 | $545,000 | $99,000 | $250,000 |
| Unverifiable Information | 5 | $975,000 | $195,000 | $215,000 | $54,000 | $80,000 |
| Credit Application Incomplete | 2 | $330,000 | $165,000 | $195,000 | $41,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mortgage Lenders Investment Tr's 2021 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 Mortgage Lenders Investment Tr'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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