Regent Mortgage Funding LLC Mortgage Lending & HMDA Data, 2006
In 2006, Regent Mortgage Funding LLC of Naples, FL reported 1,742 mortgage applications totaling $292.1 million, up 47% from 2005. The average application was for $167,681, and applicants reported an average income of $78,951. 22% of its applications resulted in an originated loan and 57% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (341), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (282) and Orlando-Kissimmee, FL (244) (applications in parentheses).
| Mortgage Company & Address | Regent Mortgage Funding LLC 4099 Tamiami Trail North #402 Naples, FL 34103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 |
| Total Number of Mortgage Applications | 1,742 |
| Total Mortgage Loan Application Amount | $292,101,000 |
| Average Mortgage Loan Application Amount | $167,681 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $78,951 |
| Highest Applicant Income | $1,603,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Regent Mortgage Funding LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Miami-Dade, Florida | 341 | $ 67,937,000 | $ 199,228 | $ 87,000 |
| Broward, Florida | 282 | $ 52,910,000 | $ 187,624 | $ 77,000 |
| Orange, Florida | 134 | $ 23,590,000 | $ 176,044 | $ 77,000 |
| Lee, Florida | 97 | $ 16,874,000 | $ 173,958 | $ 101,000 |
| Duval, Florida | 92 | $ 10,843,000 | $ 117,858 | $ 64,000 |
| Hillsborough, Florida | 92 | $ 12,686,000 | $ 137,891 | $ 64,000 |
| Palm Beach, Florida | 88 | $ 16,240,000 | $ 184,545 | $ 91,000 |
| Osceola, Florida | 58 | $ 9,581,000 | $ 165,189 | $ 74,000 |
| Marion, Florida | 52 | $ 6,997,000 | $ 134,557 | $ 77,000 |
| Polk, Florida | 47 | $ 5,665,000 | $ 120,531 | $ 60,000 |
| Brevard, Florida | 43 | $ 5,631,000 | $ 130,953 | $ 64,000 |
| Pinellas, Florida | 41 | $ 5,794,000 | $ 141,317 | $ 95,000 |
| Seminole, Florida | 41 | $ 7,059,000 | $ 172,170 | $ 77,000 |
| Volusia, Florida | 40 | $ 5,416,000 | $ 135,400 | $ 57,000 |
| Pasco, Florida | 35 | $ 4,508,000 | $ 128,800 | $ 72,000 |
| St. Lucie, Florida | 35 | $ 6,344,000 | $ 181,257 | $ 70,000 |
| Citrus, Florida | 18 | $ 2,119,000 | $ 117,722 | $ 45,000 |
| Collier, Florida | 17 | $ 4,197,000 | $ 246,882 | $ 157,000 |
| Sarasota, Florida | 16 | $ 2,979,000 | $ 186,187 | $ 61,000 |
| Clay, Florida | 15 | $ 1,656,000 | $ 110,400 | $ 133,000 |
| Charlotte, Florida | 14 | $ 1,950,000 | $ 139,285 | $ 110,000 |
| Hernando, Florida | 13 | $ 1,713,000 | $ 131,769 | $ 62,000 |
| Lake, Florida | 11 | $ 2,067,000 | $ 187,909 | $ 77,000 |
| Columbia, Florida | 10 | $ 823,000 | $ 82,300 | $ 47,000 |
| Flagler, Florida | 9 | $ 1,535,000 | $ 170,555 | $ 73,000 |
| Highlands, Florida | 9 | $ 1,650,000 | $ 183,333 | $ 88,000 |
| Alachua, Florida | 8 | $ 1,341,000 | $ 167,625 | $ 73,000 |
| Martin, Florida | 8 | $ 905,000 | $ 113,125 | $ 52,000 |
| Leon, Florida | 7 | $ 898,000 | $ 128,285 | $ 53,000 |
| Manatee, Florida | 7 | $ 1,246,000 | $ 178,000 | $ 136,000 |
| St. Johns, Florida | 7 | $ 1,338,000 | $ 191,142 | $ 100,000 |
| Suwannee, Florida | 6 | $ 549,000 | $ 91,500 | $ 54,000 |
| Escambia, Florida | 5 | $ 418,000 | $ 83,600 | $ 74,000 |
| Wakulla, Florida | 5 | $ 693,000 | $ 138,600 | $ 57,000 |
| Baker, Florida | 4 | $ 485,000 | $ 121,250 | $ 57,000 |
| Hendry, Florida | 4 | $ 573,000 | $ 143,250 | $ 59,000 |
| Bay, Florida | 3 | $ 255,000 | $ 85,000 | $ 62,000 |
| Okaloosa, Florida | 3 | $ 836,000 | $ 278,666 | $ 134,000 |
| Putnam, Florida | 3 | $ 302,000 | $ 100,666 | $ 43,000 |
| Sumter, Florida | 3 | $ 357,000 | $ 119,000 | $ 54,000 |
| Walton, Florida | 3 | $ 584,000 | $ 194,666 | $ 140,000 |
| Bradford, Florida | 2 | $ 218,000 | $ 109,000 | $ 55,000 |
| Gilchrist, Florida | 2 | $ 273,000 | $ 136,500 | $ 47,000 |
| Holmes, Florida | 2 | $ 128,000 | $ 64,000 | $ 28,000 |
| Indian River, Florida | 2 | $ 352,000 | $ 176,000 | $ 55,000 |
| Levy, Florida | 2 | $ 426,000 | $ 213,000 | $ 75,000 |
| Madison, Florida | 2 | $ 260,000 | $ 130,000 | $ 50,000 |
| Gulf, Florida | 1 | $ 423,000 | $ 423,000 | $ 83,000 |
| Hamilton, Florida | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Nassau, Florida | 1 | $ 212,000 | $ 212,000 | $ 79,000 |
| Santa Rosa, Florida | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Regent Mortgage Funding LLC in 2006
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 | 1,725 | $289,587,000 | $167,000 | $650,000 | $79,000 | $1,603,000 |
| Refinancing | 17 | $2,514,000 | $147,000 | $480,000 | $74,000 | $258,000 |
| 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 |
|---|---|---|---|---|---|---|
| Black or African American | 533 | $89,707,000 | $168,000 | $650,000 | $73,000 | $399,000 |
| Hispanic | 523 | $91,210,000 | $174,000 | $640,000 | $77,000 | $425,000 |
| White | 493 | $80,248,000 | $162,000 | $640,000 | $85,000 | $1,169,000 |
| Not Provided | 146 | $22,753,000 | $155,000 | $561,000 | $78,000 | $1,213,000 |
| Asian | 32 | $5,330,000 | $166,000 | $351,000 | $129,000 | $1,603,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,979,000 | $179,000 | $455,000 | $75,000 | $162,000 |
| American Indian or Alaskan Native | 4 | $874,000 | $218,000 | $389,000 | $71,000 | $108,000 |
| 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) | 1,742 | $292,101,000 | $167,000 | $650,000 | $79,000 | $1,603,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 995 | $173,398,000 | $174,000 | $650,000 | $78,000 | $1,213,000 |
| Loan Originated | 388 | $58,944,000 | $151,000 | $640,000 | $77,000 | $1,169,000 |
| Application Withdrawn By Applicant | 202 | $33,885,000 | $167,000 | $593,000 | $84,000 | $1,603,000 |
| Application Approved But Not Accepted | 97 | $16,574,000 | $170,000 | $615,000 | $92,000 | $900,000 |
| File Closed For Incompleteness | 60 | $9,300,000 | $155,000 | $500,000 | $82,000 | $269,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 344 | $65,903,000 | $191,000 | $625,000 | $82,000 | $602,000 |
| Credit History | 181 | $28,458,000 | $157,000 | $650,000 | $76,000 | $1,213,000 |
| Debt-To-Income Ratio | 147 | $23,304,000 | $158,000 | $400,000 | $67,000 | $1,073,000 |
| Employment History | 130 | $24,472,000 | $188,000 | $595,000 | $78,000 | $336,000 |
| Collateral | 94 | $14,552,000 | $154,000 | $630,000 | $71,000 | $307,000 |
| Other | 75 | $12,090,000 | $161,000 | $640,000 | $83,000 | $399,000 |
| Credit Application Incomplete | 4 | $1,017,000 | $254,000 | $588,000 | $73,000 | $158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $671,000 | $223,000 | $400,000 | $76,000 | $118,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Regent Mortgage Funding LLC's 2006 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 Regent Mortgage Funding LLC'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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