Taylor, Bean & Whitaker Mortgage Lending & HMDA Data, 2009
In 2009, Taylor, Bean & Whitaker of Ocala, FL reported 112,180 mortgage applications totaling $21.1 billion, down 46% from 2008. The average application was for $188,310, and applicants reported an average income of $57,712. 68% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (3,545), Chicago-Naperville-Joliet, IL (2,276) and Phoenix-Mesa-Scottsdale, AZ (2,234) (applications in parentheses).
| Mortgage Company & Address | Taylor, Bean & Whitaker 315 Ne 14th Street Ocala, FL 34470 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 112,180 |
| Total Mortgage Loan Application Amount | $21,124,627,000 |
| Average Mortgage Loan Application Amount | $188,310 |
| Highest Mortgage Loan Application Amount | $1,540,000 |
| Average Applicant Income | $57,712 |
| Highest Applicant Income | $4,182,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Taylor, Bean & Whitaker filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Taylor, Bean & Whitaker in 2009
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 | 79,844 | $16,229,568,000 | $203,000 | $1,540,000 | $58,000 | $4,182,000 |
| Home Purchase | 32,324 | $4,892,963,000 | $151,000 | $988,000 | $57,000 | $1,990,000 |
| Home Improvement | 12 | $2,096,000 | $174,000 | $417,000 | $66,000 | $153,000 |
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 | 85,781 | $15,920,896,000 | $185,000 | $1,172,000 | $61,000 | $4,182,000 |
| Hispanic | 11,227 | $2,126,770,000 | $189,000 | $1,172,000 | $51,000 | $2,526,000 |
| Black or African American | 9,074 | $1,585,013,000 | $174,000 | $1,540,000 | $33,000 | $1,000,000 |
| Asian | 3,259 | $912,607,000 | $280,000 | $942,000 | $92,000 | $1,207,000 |
| Not Provided | 2,034 | $424,924,000 | $208,000 | $988,000 | $37,000 | $1,475,000 |
| American Indian or Alaskan Native | 422 | $73,583,000 | $174,000 | $569,000 | $43,000 | $210,000 |
| Native Hawaiian or Other Pacific Islander | 383 | $80,834,000 | $211,000 | $908,000 | $55,000 | $442,000 |
| 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) | 50,455 | $10,459,255,000 | $207,000 | $1,540,000 | $87,000 | $4,182,000 |
| FHA-insured (Federal Housing Administration) | 46,844 | $7,891,511,000 | $168,000 | $1,172,000 | $35,000 | $1,000,000 |
| VA-guaranteed (Veterans Administration) | 10,639 | $2,245,214,000 | $211,000 | $1,095,000 | $30,000 | $412,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4,242 | $528,647,000 | $124,000 | $415,000 | $38,000 | $145,000 |
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 | 75,920 | $14,683,781,000 | $193,000 | $1,172,000 | $62,000 | $4,182,000 |
| Loan Purchased By The Institution | 20,640 | $3,586,449,000 | $173,000 | $942,000 | $36,000 | $1,787,000 |
| Application Denied By Financial Institution | 13,130 | $2,376,347,000 | $180,000 | $1,540,000 | $67,000 | $2,526,000 |
| Application Withdrawn By Applicant | 2,490 | $478,050,000 | $191,000 | $880,000 | $65,000 | $1,104,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 Taylor, Bean & Whitaker's 2009 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 Taylor, Bean & Whitaker'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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