Taylor, Bean & Whitaker Mortgage Lending & HMDA Data, 2003
In 2003, Taylor, Bean & Whitaker of Ocala, FL reported 71,648 mortgage applications totaling $10.3 billion. The average application was for $143,708, and applicants reported an average income of $47,760. 98% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Atlanta, GA (8,177), Chicago, IL (5,456) and Boston, MA-NH (3,253) (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 | 71,648 |
| Total Mortgage Loan Application Amount | $10,296,417,000 |
| Average Mortgage Loan Application Amount | $143,708 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $47,760 |
| Highest Applicant Income | $5,849,000 |
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(HMDA) records Taylor, Bean & Whitaker filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003
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 (home purchase or home improvement, one-to-four family) | 55,066 | $8,117,540,000 | $133,080 | $1,017,000 | $37,240 | $5,849,000 |
| Home Purchase (one-to-four family) | 16,478 | $2,167,998,000 | $137,166 | $1,400,000 | $72,229 | $4,000,000 |
| Home Improvement (one-to-four family) | 104 | $10,879,000 | $101,772 | $742,000 | $68,409 | $264,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 49,477 | $7,104,642,000 | $136,480 | $1,017,000 | $46,260 | $5,629,000 |
| Information not provided by applicant in mail or telephone application | 8,853 | $1,276,987,000 | $129,958 | $1,400,000 | $42,312 | $4,337,000 |
| Black | 5,276 | $619,088,000 | $119,325 | $742,000 | $32,100 | $5,849,000 |
| Hispanic | 3,715 | $491,502,000 | $123,380 | $675,000 | $35,523 | $4,000,000 |
| Asian or Pacific Islander | 2,983 | $589,199,000 | $156,232 | $970,000 | $67,465 | $757,000 |
| Not applicable | 702 | $120,143,000 | $135,225 | $574,000 | $42,193 | $861,000 |
| Other | 444 | $69,677,000 | $130,285 | $650,000 | $45,821 | $737,000 |
| American Indian or Alaskan Native | 198 | $25,179,000 | $120,225 | $448,000 | $39,290 | $221,000 |
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) | 52,997 | $8,105,719,000 | $144,142 | $1,400,000 | $74,551 | $5,849,000 |
| FHA-insured (Federal Housing Administration) | 10,711 | $1,237,291,000 | $107,340 | $418,000 | $16,829 | $4,000,000 |
| VA-guaranteed (Veterans Administration) | 6,788 | $819,197,000 | $111,660 | $289,000 | $10,960 | $473,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1,152 | $134,210,000 | $104,500 | $247,000 | $36,000 | $171,000 |
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 | 70,188 | $10,068,627,000 | $133,240 | $1,400,000 | $42,360 | $5,849,000 |
| Application Withdrawn By Applicant | 572 | $93,888,000 | $130,093 | $650,000 | $42,937 | $638,000 |
| Application Denied By Financial Institution | 452 | $71,873,000 | $140,555 | $600,000 | $59,777 | $473,000 |
| Application Approved But Not Accepted | 418 | $59,417,000 | $131,258 | $494,000 | $62,774 | $564,000 |
| File Closed For Incompleteness | 18 | $2,612,000 | $156,000 | $374,000 | $50,555 | $109,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 233 | $34,911,000 | $145,480 | $600,000 | $62,360 | $473,000 |
| Other | 76 | $13,692,000 | $140,636 | $585,000 | $59,181 | $324,000 |
| Debt-To-Income Ratio | 63 | $10,124,000 | $137,846 | $433,000 | $32,692 | $116,000 |
| Collateral | 39 | $7,219,000 | $142,600 | $525,000 | $53,600 | $285,000 |
| Employment History | 26 | $4,122,000 | $181,800 | $597,000 | $72,400 | $288,000 |
| Credit Application Incomplete | 11 | $1,366,000 | $126,166 | $264,000 | $106,000 | $468,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $189,000 | $63,000 | $75,000 | $23,000 | $32,000 |
| Unverifiable Information | 1 | $250,000 | $250,000 | $250,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Taylor, Bean & Whitaker's 2003 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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