Transland Financial Services Mortgage Lending & HMDA Data, 2006
In 2006, Transland Financial Services of Maitland, FL reported 1,611 mortgage applications totaling $284.4 million, down 52% from 2005. The average application was for $176,521, and applicants reported an average income of $54,703. 81% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Orlando-Kissimmee, FL (210), Tampa-St. Petersburg-Clearwater, FL (152) and Port St. Lucie-Fort Pierce, FL (92) (applications in parentheses).
| Mortgage Company & Address | Transland Financial Services 2701 Maitland Center Parkway, Ste 300 Maitland, FL 32751 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,611 |
| Total Mortgage Loan Application Amount | $284,376,000 |
| Average Mortgage Loan Application Amount | $176,521 |
| Highest Mortgage Loan Application Amount | $1,489,000 |
| Average Applicant Income | $54,703 |
| Highest Applicant Income | $1,396,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Transland Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orlando-Kissimmee, FL | 210 | $ 37,346,000 | $ 177,838 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 152 | $ 27,915,000 | $ 183,651 | $ 51,000 |
| Port St. Lucie-Fort Pierce, FL | 92 | $ 20,189,000 | $ 219,445 | $ 54,000 |
| Cape Coral-Fort Myers, FL | 87 | $ 20,169,000 | $ 231,827 | $ 39,000 |
| Ocala, FL | 79 | $ 11,207,000 | $ 141,860 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 78 | $ 12,601,000 | $ 161,551 | $ 67,000 |
| Atlanta-Sandy Springs-Marietta, GA | 77 | $ 15,083,000 | $ 195,883 | $ 83,000 |
| Lakeland, FL | 69 | $ 9,856,000 | $ 142,840 | $ 46,000 |
| Tallahassee, FL | 68 | $ 11,042,000 | $ 162,382 | $ 82,000 |
| Jacksonville, FL | 53 | $ 7,802,000 | $ 147,207 | $ 47,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 45 | $ 8,499,000 | $ 188,866 | $ 32,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 37 | $ 6,531,000 | $ 176,513 | $ 64,000 |
| Memphis, TN-MS-AR | 27 | $ 3,911,000 | $ 144,851 | $ 79,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 27 | $ 7,481,000 | $ 277,074 | $ 59,000 |
| Sarasota-Bradenton-Venice, FL | 21 | $ 6,096,000 | $ 290,285 | $ 49,000 |
| Charleston-North Charleston, SC | 20 | $ 6,481,000 | $ 324,050 | $ 70,000 |
| Gainesville, FL | 18 | $ 2,330,000 | $ 129,444 | $ 48,000 |
| Punta Gorda, FL | 16 | $ 3,540,000 | $ 221,250 | $ 17,000 |
| Richmond, VA | 14 | $ 2,157,000 | $ 154,071 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 2,755,000 | $ 211,923 | $ 53,000 |
| Baltimore-Towson, MD | 12 | $ 2,777,000 | $ 231,416 | $ 57,000 |
| Johnson City, TN | 12 | $ 1,479,000 | $ 123,250 | $ 0 |
| Knoxville, TN | 10 | $ 1,125,000 | $ 112,500 | $ 8,000 |
| Rome, GA | 8 | $ 797,000 | $ 99,625 | $ 43,000 |
| Lynchburg, VA | 7 | $ 1,332,000 | $ 190,285 | $ 50,000 |
| Morristown, TN | 7 | $ 970,000 | $ 138,571 | $ 7,000 |
| Naples-Marco Island, FL | 7 | $ 1,407,000 | $ 201,000 | $ 26,000 |
| Fayetteville, NC | 6 | $ 906,000 | $ 151,000 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,580,000 | $ 263,333 | $ 56,000 |
| Chattanooga, TN-GA | 5 | $ 989,000 | $ 197,800 | $ 40,000 |
| Nashville-Davidson--Murfreesboro, TN | 5 | $ 707,000 | $ 141,400 | $ 0 |
| Savannah, GA | 5 | $ 757,000 | $ 151,400 | $ 24,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,460,000 | $ 292,000 | $ 47,200 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 910,000 | $ 227,500 | $ 21,000 |
| Asheville, NC | 4 | $ 593,000 | $ 148,250 | $ 47,000 |
| Columbia, SC | 4 | $ 497,000 | $ 124,250 | $ 34,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 455,000 | $ 113,750 | $ 62,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 482,000 | $ 120,500 | $ 0 |
| Philadelphia, PA | 4 | $ 844,000 | $ 211,000 | $ 115,000 |
| Austin-Round Rock, TX | 3 | $ 359,000 | $ 119,666 | $ 59,000 |
| Clarksville, TN-KY | 3 | $ 452,000 | $ 150,666 | $ 25,000 |
| Danville, VA | 3 | $ 138,000 | $ 46,000 | $ 0 |
| Macon, GA | 3 | $ 540,000 | $ 180,000 | $ 151,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 281,000 | $ 93,666 | $ 30,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 574,000 | $ 191,333 | $ 0 |
| Albany, GA | 2 | $ 203,000 | $ 101,500 | $ 50,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 717,000 | $ 358,500 | $ 92,000 |
| Charlottesville, VA | 2 | $ 270,000 | $ 135,000 | $ 32,000 |
| Farmington, NM | 2 | $ 520,000 | $ 260,000 | $ 102,000 |
| Greensboro-High Point, NC | 2 | $ 212,000 | $ 106,000 | $ 32,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 232,000 | $ 116,000 | $ 38,000 |
| Hot Springs, AR | 2 | $ 114,000 | $ 57,000 | $ 45,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 176,000 | $ 88,000 | $ 15,500 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 216,000 | $ 108,000 | $ 79,000 |
| Pittsburgh, PA | 2 | $ 344,000 | $ 172,000 | $ 194,000 |
| Roanoke, VA | 2 | $ 653,000 | $ 326,500 | $ 258,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 634,000 | $ 317,000 | $ 192,000 |
| St. Louis, MO-IL | 2 | $ 412,000 | $ 206,000 | $ 86,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 904,000 | $ 452,000 | $ 153,000 |
| Williamsport, PA | 2 | $ 311,000 | $ 155,500 | $ 53,000 |
| Wilmington, NC | 2 | $ 205,000 | $ 102,500 | $ 36,000 |
| Anderson, IN | 1 | $ 109,000 | $ 109,000 | $ 43,000 |
| Athens-Clarke County, GA | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 51,000 | $ 51,000 | $ 79,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 54,000 | $ 54,000 | $ 13,000 |
| Columbus, OH | 1 | $ 196,000 | $ 196,000 | $ 85,000 |
| Dalton, GA | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Denver-Aurora, CO | 1 | $ 1,489,000 | $ 1,489,000 | $ 806,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 127,000 | $ 127,000 | $ 46,000 |
| El Paso, TX | 1 | $ 110,000 | $ 110,000 | $ 62,000 |
| Gainesville, GA | 1 | $ 106,000 | $ 106,000 | $ 90,000 |
| Greenville, SC | 1 | $ 413,000 | $ 413,000 | $ 204,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 139,000 | $ 139,000 | $ 48,000 |
| Hattiesburg, MS | 1 | $ 164,000 | $ 164,000 | $ 42,000 |
| Holland-Grand Haven, MI | 1 | $ 61,000 | $ 61,000 | $ 40,000 |
| Huntsville, AL | 1 | $ 50,000 | $ 50,000 | $ 15,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Mobile, AL | 1 | $ 425,000 | $ 425,000 | $ 144,000 |
| Newark-Union, NJ-PA | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Panama City-Lynn Haven, FL | 1 | $ 123,000 | $ 123,000 | $ 39,000 |
| Raleigh-Cary, NC | 1 | $ 109,000 | $ 109,000 | $ 35,000 |
| San Antonio, TX | 1 | $ 112,000 | $ 112,000 | $ 24,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 209,000 | $ 209,000 | $ 74,000 |
| Sebastian-Vero Beach, FL | 1 | $ 236,000 | $ 236,000 | $ 97,000 |
| Sherman-Denison, TX | 1 | $ 79,000 | $ 79,000 | $ 39,000 |
| Spartanburg, SC | 1 | $ 84,000 | $ 84,000 | $ 31,000 |
| Tucson, AZ | 1 | $ 103,000 | $ 103,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Transland Financial Services 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 |
|---|---|---|---|---|---|---|
| Refinancing | 832 | $170,496,000 | $204,000 | $896,000 | $46,000 | $1,396,000 |
| Home Purchase | 779 | $113,880,000 | $146,000 | $1,489,000 | $64,000 | $806,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,147 | $202,016,000 | $176,000 | $1,489,000 | $51,000 | $806,000 |
| Black or African American | 263 | $44,984,000 | $171,000 | $896,000 | $65,000 | $318,000 |
| Hispanic | 142 | $25,519,000 | $179,000 | $825,000 | $62,000 | $1,396,000 |
| Asian | 40 | $7,823,000 | $195,000 | $615,000 | $68,000 | $199,000 |
| Not Provided | 12 | $2,828,000 | $235,000 | $461,000 | $19,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $605,000 | $151,000 | $244,000 | $27,000 | $60,000 |
| American Indian or Alaskan Native | 3 | $601,000 | $200,000 | $254,000 | $40,000 | $73,000 |
| 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) | 1,015 | $193,662,000 | $190,000 | $1,489,000 | $69,000 | $1,396,000 |
| FHA-insured (Federal Housing Administration) | 562 | $84,275,000 | $149,000 | $370,000 | $28,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 34 | $6,439,000 | $189,000 | $387,000 | $64,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,303 | $220,324,000 | $169,000 | $896,000 | $51,000 | $1,396,000 |
| Application Approved But Not Accepted | 143 | $30,700,000 | $214,000 | $620,000 | $54,000 | $348,000 |
| Application Denied By Financial Institution | 107 | $17,938,000 | $167,000 | $825,000 | $85,000 | $468,000 |
| File Closed For Incompleteness | 55 | $14,622,000 | $265,000 | $1,489,000 | $84,000 | $806,000 |
| Application Withdrawn By Applicant | 3 | $792,000 | $264,000 | $412,000 | $129,000 | $263,000 |
| Loan Purchased By The Institution | 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 Transland Financial Services'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 Transland Financial Services'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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