Totalbank Mortgage Lending & HMDA Data, 2017
In 2017, Totalbank of Miami, FL reported 221 mortgage applications totaling $159.8 million. The average application was for $723,076, and applicants reported an average income of $326,669. 52% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (192), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (18) and West Palm Beach-Boca Raton-Delray Beach, FL (3) (applications in parentheses).
| Mortgage Company & Address | Totalbank 100 Se 2nd Street Miami, FL 33131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 |
| Total Number of Mortgage Applications | 221 |
| Total Mortgage Loan Application Amount | $159,800,000 |
| Average Mortgage Loan Application Amount | $723,076 |
| Highest Mortgage Loan Application Amount | $7,676,000 |
| Average Applicant Income | $326,669 |
| Highest Applicant Income | $3,801,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Totalbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Miami-Dade, Florida | 192 | $ 122,608,000 | $ 638,583 | $ 287,000 |
| Broward, Florida | 18 | $ 11,818,000 | $ 656,555 | $ 248,000 |
| Monroe, Florida | 4 | $ 2,655,000 | $ 663,750 | $ 584,000 |
| Palm Beach, Florida | 3 | $ 17,652,000 | $ 5,884,000 | $ 1,831,000 |
| Collier, Florida | 1 | $ 634,000 | $ 634,000 | $ 160,000 |
| Pinellas, Florida | 1 | $ 1,155,000 | $ 1,155,000 | $ 2,499,000 |
| Sarasota, Florida | 1 | $ 544,000 | $ 544,000 | $ 185,000 |
| New York, New York | 1 | $ 2,734,000 | $ 2,734,000 | $ 2,096,000 |
Mortgage Loan Application Detail Totals for Totalbank in 2017
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 | 146 | $82,920,000 | $567,000 | $5,500,000 | $284,000 | $3,801,000 |
| Refinancing | 58 | $66,550,000 | $1,147,000 | $7,676,000 | $429,000 | $2,768,000 |
| Home Improvement | 17 | $10,330,000 | $607,000 | $3,500,000 | $344,000 | $1,658,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 113 | $86,046,000 | $761,000 | $7,676,000 | $381,000 | $2,893,000 |
| White | 56 | $42,469,000 | $758,000 | $3,500,000 | $492,000 | $3,801,000 |
| Not applicable | 30 | $27,347,000 | $911,000 | $6,400,000 | $0 | $0 |
| Black or African American | 20 | $3,683,000 | $184,000 | $1,900,000 | $69,000 | $640,000 |
| Asian | 2 | $255,000 | $127,000 | $221,000 | $137,000 | $240,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 221 | $159,800,000 | $723,000 | $7,676,000 | $327,000 | $3,801,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 115 | $92,569,000 | $804,000 | $6,400,000 | $356,000 | $3,801,000 |
| Application Denied By Financial Institution | 56 | $33,260,000 | $593,000 | $7,676,000 | $251,000 | $2,893,000 |
| Application Withdrawn By Applicant | 33 | $27,636,000 | $837,000 | $7,676,000 | $457,000 | $2,768,000 |
| File Closed For Incompleteness | 7 | $4,119,000 | $588,000 | $1,600,000 | $283,000 | $1,200,000 |
| Loan Purchased By The Institution | 7 | $932,000 | $133,000 | $147,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $1,284,000 | $428,000 | $700,000 | $68,000 | $155,000 |
| 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 Totalbank's 2017 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 Totalbank'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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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