Taylor, Bean & Whitaker Mortgage Lending & HMDA Data, 2006
In 2006, Taylor, Bean & Whitaker of Ocala, FL reported 153,958 mortgage applications totaling $26.0 billion, up 52% from 2005. The average application was for $168,873, and applicants reported an average income of $88,517. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (12,586), Chicago-Naperville-Joliet, IL (8,523) and Denver-Aurora, CO (4,626) (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 | 153,958 |
| Total Mortgage Loan Application Amount | $25,999,425,000 |
| Average Mortgage Loan Application Amount | $168,873 |
| Highest Mortgage Loan Application Amount | $2,030,000 |
| Average Applicant Income | $88,517 |
| Highest Applicant Income | $4,272,000 |
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(HMDA) records Taylor, Bean & Whitaker filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 | 79,290 | $12,090,184,000 | $152,000 | $1,500,000 | $89,000 | $4,272,000 |
| Refinancing | 74,266 | $13,831,989,000 | $186,000 | $2,030,000 | $88,000 | $3,600,000 |
| Home Improvement | 402 | $77,252,000 | $192,000 | $806,000 | $89,000 | $1,320,000 |
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 | 116,347 | $19,796,766,000 | $170,000 | $2,030,000 | $92,000 | $4,272,000 |
| Black or African American | 13,935 | $2,023,398,000 | $145,000 | $1,280,000 | $67,000 | $1,200,000 |
| Hispanic | 12,513 | $2,043,481,000 | $163,000 | $1,000,000 | $74,000 | $1,800,000 |
| Asian | 5,211 | $1,107,918,000 | $212,000 | $1,000,000 | $106,000 | $3,000,000 |
| Not Provided | 3,147 | $542,123,000 | $172,000 | $1,180,000 | $90,000 | $1,296,000 |
| Native Hawaiian or Other Pacific Islander | 2,328 | $414,650,000 | $178,000 | $1,000,000 | $90,000 | $1,692,000 |
| American Indian or Alaskan Native | 477 | $71,089,000 | $149,000 | $1,000,000 | $88,000 | $660,000 |
| 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) | 129,455 | $22,664,483,000 | $175,000 | $2,030,000 | $96,000 | $4,272,000 |
| FHA-insured (Federal Housing Administration) | 19,772 | $2,594,985,000 | $131,000 | $490,000 | $50,000 | $1,800,000 |
| VA-guaranteed (Veterans Administration) | 3,964 | $660,720,000 | $166,000 | $423,000 | $56,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 767 | $79,237,000 | $103,000 | $285,000 | $40,000 | $96,000 |
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 | 127,586 | $21,640,855,000 | $169,000 | $2,030,000 | $89,000 | $4,272,000 |
| Loan Purchased By The Institution | 13,482 | $2,252,494,000 | $167,000 | $1,200,000 | $84,000 | $2,484,000 |
| Application Denied By Financial Institution | 10,029 | $1,622,368,000 | $161,000 | $1,760,000 | $80,000 | $2,652,000 |
| Application Withdrawn By Applicant | 2,861 | $483,708,000 | $169,000 | $1,336,000 | $103,000 | $3,000,000 |
| 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 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 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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