Taylor, Bean & Whitaker Mortgage Lending & HMDA Data, 2004
In 2004, Taylor, Bean & Whitaker of Ocala, FL reported 64,679 mortgage applications totaling $10.4 billion, down 10% from 2003. The average application was for $160,546, and applicants reported an average income of $54,163. 90% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (3,363), Boston-Quincy, MA (1,747) and Chicago-Naperville-Joliet, IL (1,664) (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 | 64,679 |
| Total Mortgage Loan Application Amount | $10,384,017,000 |
| Average Mortgage Loan Application Amount | $160,546 |
| Highest Mortgage Loan Application Amount | $1,571,000 |
| Average Applicant Income | $54,163 |
| Highest Applicant Income | $7,800,000 |
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(HMDA) records Taylor, Bean & Whitaker filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 | 38,548 | $6,569,416,000 | $152,020 | $1,571,000 | $58,061 | $7,800,000 |
| Home Purchase | 25,598 | $3,716,077,000 | $143,644 | $1,200,000 | $69,000 | $3,792,000 |
| Home Improvement | 533 | $98,524,000 | $150,000 | $812,000 | $75,962 | $612,000 |
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 | 39,645 | $6,367,568,000 | $147,170 | $1,571,000 | $62,000 | $7,800,000 |
| Not Provided | 12,145 | $1,996,273,000 | $143,551 | $1,410,000 | $63,551 | $1,008,000 |
| Black or African American | 5,064 | $677,173,000 | $128,846 | $1,061,000 | $37,384 | $5,000,000 |
| Hispanic | 3,937 | $583,437,000 | $144,974 | $812,000 | $44,589 | $588,000 |
| Asian | 2,907 | $604,359,000 | $173,250 | $639,000 | $75,425 | $996,000 |
| Native Hawaiian or Other Pacific Islander | 559 | $93,243,000 | $167,043 | $640,000 | $63,173 | $552,000 |
| Not applicable | 295 | $43,649,000 | $149,419 | $885,000 | $59,032 | $360,000 |
| American Indian or Alaskan Native | 127 | $18,315,000 | $135,333 | $600,000 | $36,333 | $204,000 |
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) | 47,288 | $8,141,875,000 | $159,489 | $1,571,000 | $84,163 | $7,800,000 |
| FHA-insured (Federal Housing Administration) | 11,675 | $1,451,111,000 | $120,644 | $413,000 | $28,222 | $1,288,000 |
| VA-guaranteed (Veterans Administration) | 5,370 | $761,229,000 | $128,760 | $332,000 | $18,521 | $600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 346 | $29,802,000 | $104,823 | $234,000 | $39,823 | $74,000 |
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 | 58,193 | $9,391,643,000 | $146,375 | $1,571,000 | $59,000 | $7,800,000 |
| Application Denied By Financial Institution | 2,804 | $421,929,000 | $151,325 | $1,365,000 | $64,232 | $3,792,000 |
| Loan Purchased By The Institution | 2,471 | $372,229,000 | $155,222 | $940,000 | $56,407 | $600,000 |
| Application Withdrawn By Applicant | 971 | $162,250,000 | $146,085 | $1,100,000 | $59,771 | $528,000 |
| File Closed For Incompleteness | 240 | $35,966,000 | $141,379 | $1,000,000 | $56,896 | $1,200,000 |
| 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 2004 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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