Taylor, Bean & Whitaker Mortgage Lending & HMDA Data, 2008
In 2008, Taylor, Bean & Whitaker of Ocala, FL reported 205,959 mortgage applications totaling $35.8 billion, down 1% from 2007. The average application was for $174,035, and applicants reported an average income of $69,619. 60% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (8,096), Chicago-Naperville-Joliet, IL (6,117) and Phoenix-Mesa-Scottsdale, AZ (5,314) (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 | 205,959 |
| Total Mortgage Loan Application Amount | $35,844,079,000 |
| Average Mortgage Loan Application Amount | $174,035 |
| Highest Mortgage Loan Application Amount | $1,663,000 |
| Average Applicant Income | $69,619 |
| Highest Applicant Income | $6,475,000 |
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(HMDA) records Taylor, Bean & Whitaker filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008
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 | 110,946 | $20,735,628,000 | $186,000 | $1,663,000 | $71,000 | $6,208,000 |
| Home Purchase | 94,959 | $15,100,160,000 | $159,000 | $1,481,000 | $68,000 | $6,475,000 |
| Home Improvement | 54 | $8,291,000 | $153,000 | $630,000 | $82,000 | $518,000 |
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 | 147,804 | $25,629,309,000 | $173,000 | $1,663,000 | $72,000 | $6,475,000 |
| Hispanic | 25,495 | $4,547,314,000 | $178,000 | $755,000 | $64,000 | $1,562,000 |
| Black or African American | 22,427 | $3,468,234,000 | $154,000 | $1,350,000 | $56,000 | $2,400,000 |
| Asian | 4,767 | $1,156,977,000 | $242,000 | $1,481,000 | $89,000 | $1,159,000 |
| Not Provided | 3,753 | $729,134,000 | $194,000 | $732,000 | $66,000 | $2,791,000 |
| American Indian or Alaskan Native | 905 | $148,108,000 | $163,000 | $648,000 | $61,000 | $959,000 |
| Native Hawaiian or Other Pacific Islander | 808 | $165,003,000 | $204,000 | $740,000 | $72,000 | $663,000 |
| 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) | 97,136 | $18,766,886,000 | $193,000 | $1,663,000 | $87,000 | $6,475,000 |
| FHA-insured (Federal Housing Administration) | 96,887 | $15,177,581,000 | $156,000 | $1,096,000 | $55,000 | $6,208,000 |
| VA-guaranteed (Veterans Administration) | 7,124 | $1,330,440,000 | $186,000 | $722,000 | $50,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4,812 | $569,172,000 | $118,000 | $419,000 | $41,000 | $169,000 |
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 | 123,294 | $21,907,075,000 | $177,000 | $1,663,000 | $72,000 | $6,475,000 |
| Loan Purchased By The Institution | 42,013 | $7,154,335,000 | $170,000 | $1,481,000 | $69,000 | $3,220,000 |
| Application Denied By Financial Institution | 35,003 | $5,754,086,000 | $164,000 | $1,500,000 | $62,000 | $3,075,000 |
| Application Withdrawn By Applicant | 5,649 | $1,028,583,000 | $182,000 | $1,368,000 | $73,000 | $4,313,000 |
| 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 2008 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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