Taylor, Bean & Whitaker Mortgage Lending & HMDA Data, 2005
In 2005, Taylor, Bean & Whitaker of Ocala, FL reported 101,266 mortgage applications totaling $18.4 billion, up 57% from 2004. The average application was for $181,830, and applicants reported an average income of $68,143. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (7,889), Chicago-Naperville-Joliet, IL (4,176) and Boston-Quincy, MA (4,030) (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 | 101,266 |
| Total Mortgage Loan Application Amount | $18,413,233,000 |
| Average Mortgage Loan Application Amount | $181,830 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $68,143 |
| Highest Applicant Income | $5,244,000 |
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(HMDA) records Taylor, Bean & Whitaker filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005
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 | 56,868 | $11,145,698,000 | $172,980 | $2,000,000 | $64,431 | $3,600,000 |
| Home Purchase | 43,416 | $7,050,872,000 | $168,843 | $2,500,000 | $76,568 | $5,244,000 |
| Home Improvement | 982 | $216,663,000 | $169,810 | $1,400,000 | $76,540 | $720,000 |
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 | 78,654 | $14,413,472,000 | $171,235 | $2,500,000 | $70,549 | $5,244,000 |
| Black or African American | 8,331 | $1,216,959,000 | $157,214 | $784,000 | $52,428 | $1,428,000 |
| Hispanic | 6,610 | $1,116,767,000 | $155,021 | $960,000 | $59,130 | $3,000,000 |
| Asian | 4,098 | $977,914,000 | $196,326 | $1,397,000 | $74,826 | $756,000 |
| Not Provided | 1,758 | $345,260,000 | $176,261 | $2,000,000 | $75,095 | $3,600,000 |
| Native Hawaiian or Other Pacific Islander | 1,596 | $304,767,000 | $172,847 | $1,000,000 | $80,391 | $960,000 |
| American Indian or Alaskan Native | 219 | $38,094,000 | $168,966 | $650,000 | $69,200 | $264,000 |
| 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) | 84,981 | $16,211,345,000 | $173,470 | $2,500,000 | $80,137 | $5,244,000 |
| FHA-insured (Federal Housing Administration) | 11,703 | $1,511,739,000 | $135,957 | $517,000 | $42,000 | $468,000 |
| VA-guaranteed (Veterans Administration) | 4,142 | $646,875,000 | $159,200 | $371,000 | $36,466 | $408,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 440 | $43,274,000 | $115,038 | $357,000 | $39,807 | $108,000 |
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 | 89,242 | $16,343,231,000 | $167,080 | $2,500,000 | $67,980 | $5,244,000 |
| Loan Purchased By The Institution | 6,018 | $1,100,764,000 | $183,113 | $1,000,000 | $84,250 | $3,264,000 |
| Application Denied By Financial Institution | 4,682 | $748,455,000 | $163,860 | $2,000,000 | $69,740 | $4,369,000 |
| Application Withdrawn By Applicant | 1,240 | $208,317,000 | $156,452 | $2,138,000 | $85,809 | $912,000 |
| File Closed For Incompleteness | 84 | $12,466,000 | $170,400 | $400,000 | $75,840 | $396,000 |
| 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 2005 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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