Transland Financial Services Mortgage Lending & HMDA Data, 2005
In 2005, Transland Financial Services of Maitland, FL reported 3,329 mortgage applications totaling $566.8 million, down 24% from 2004. The average application was for $170,270, and applicants reported an average income of $53,673. 61% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Cape Coral-Fort Myers, FL (670), Port St. Lucie-Fort Pierce, FL (380) and Orlando, FL (209) (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 | 3,329 |
| Total Mortgage Loan Application Amount | $566,832,000 |
| Average Mortgage Loan Application Amount | $170,270 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $53,673 |
| Highest Applicant Income | $960,000 |
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records Transland Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cape Coral-Fort Myers, FL | 670 | $ 165,711,000 | $ 247,329 | $ 32,000 |
| Port St. Lucie-Fort Pierce, FL | 380 | $ 63,348,000 | $ 166,705 | $ 54,000 |
| Orlando, FL | 209 | $ 36,171,000 | $ 173,066 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 184 | $ 31,228,000 | $ 169,717 | $ 47,000 |
| Lakeland, FL | 160 | $ 20,499,000 | $ 128,118 | $ 40,000 |
| Palm Bay-Melbourne-Titusville, FL | 152 | $ 18,991,000 | $ 124,940 | $ 69,000 |
| Ocala, FL | 136 | $ 15,105,000 | $ 111,066 | $ 53,000 |
| Atlanta-Sandy Springs-Marietta, GA | 115 | $ 21,091,000 | $ 183,400 | $ 65,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 100 | $ 14,819,000 | $ 148,190 | $ 44,000 |
| Tallahassee, FL | 87 | $ 15,135,000 | $ 173,965 | $ 60,000 |
| Jacksonville, FL | 81 | $ 10,181,000 | $ 125,691 | $ 82,000 |
| Punta Gorda, FL | 48 | $ 11,534,000 | $ 240,291 | $ 28,000 |
| Harrisburg-Carlisle, PA | 46 | $ 4,066,000 | $ 88,391 | $ 37,000 |
| Memphis, TN-MS-AR | 41 | $ 4,164,000 | $ 101,560 | $ 48,000 |
| Gainesville, FL | 33 | $ 3,028,000 | $ 91,757 | $ 49,000 |
| Sarasota-Bradenton-Venice, FL | 33 | $ 7,947,000 | $ 240,818 | $ 85,000 |
| Williamsport, PA | 33 | $ 3,324,000 | $ 100,727 | $ 46,000 |
| Richmond, VA | 31 | $ 3,698,000 | $ 119,290 | $ 38,000 |
| Lynchburg, VA | 26 | $ 5,048,000 | $ 194,153 | $ 83,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 23 | $ 3,646,000 | $ 158,521 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 19 | $ 3,245,000 | $ 170,789 | $ 57,000 |
| Baltimore-Towson, MD | 16 | $ 3,837,000 | $ 239,812 | $ 93,000 |
| Lancaster, PA | 16 | $ 2,024,000 | $ 126,500 | $ 82,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 14 | $ 2,745,000 | $ 196,071 | $ 45,000 |
| Birmingham-Hoover, AL | 13 | $ 2,746,000 | $ 211,230 | $ 41,000 |
| Charleston-North Charleston, SC | 13 | $ 2,557,000 | $ 196,692 | $ 80,000 |
| York-Hanover, PA | 13 | $ 1,393,000 | $ 107,153 | $ 53,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 1,907,000 | $ 173,363 | $ 58,000 |
| Naples-Marco Island, FL | 10 | $ 2,492,000 | $ 249,200 | $ 51,000 |
| Dallas-Plano-Irving, TX | 9 | $ 977,000 | $ 108,555 | $ 47,000 |
| Gulfport-Biloxi, MS | 9 | $ 1,386,000 | $ 154,000 | $ 82,000 |
| Pittsburgh, PA | 9 | $ 1,045,000 | $ 116,111 | $ 58,000 |
| Albany, GA | 7 | $ 961,000 | $ 137,285 | $ 61,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 962,000 | $ 137,428 | $ 57,000 |
| St. Louis, MO-IL | 7 | $ 1,220,000 | $ 174,285 | $ 45,000 |
| Anderson, SC | 6 | $ 631,000 | $ 105,166 | $ 40,000 |
| Danville, VA | 6 | $ 662,000 | $ 110,333 | $ 47,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 6 | $ 1,351,000 | $ 225,166 | $ 45,000 |
| Nashville-Davidson--Murfreesboro, TN | 6 | $ 658,000 | $ 109,666 | $ 56,000 |
| Philadelphia, PA | 6 | $ 1,163,000 | $ 193,833 | $ 52,000 |
| Chicago-Naperville-Joliet, IL | 5 | $ 1,678,000 | $ 335,600 | $ 103,000 |
| Greensboro-High Point, NC | 5 | $ 628,000 | $ 125,600 | $ 43,000 |
| Hattiesburg, MS | 5 | $ 577,000 | $ 115,400 | $ 146,000 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 955,000 | $ 191,000 | $ 71,000 |
| Knoxville, TN | 5 | $ 587,000 | $ 117,400 | $ 59,000 |
| Asheville, NC | 4 | $ 718,000 | $ 179,500 | $ 77,000 |
| Bethesda-Frederick-Gaithersburg, MD | 4 | $ 1,347,000 | $ 336,750 | $ 116,000 |
| Charlotte-Gastonia-Concord, NC-SC | 4 | $ 988,000 | $ 247,000 | $ 63,000 |
| Columbia, SC | 4 | $ 778,000 | $ 194,500 | $ 107,000 |
| Dothan, AL | 4 | $ 247,000 | $ 61,750 | $ 30,000 |
| Durham, NC | 4 | $ 852,000 | $ 213,000 | $ 39,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 411,000 | $ 102,750 | $ 52,000 |
| Reading, PA | 4 | $ 694,000 | $ 173,500 | $ 59,000 |
| Rome, GA | 4 | $ 408,000 | $ 102,000 | $ 18,000 |
| Shreveport-Bossier City, LA | 4 | $ 330,000 | $ 82,500 | $ 63,000 |
| Altoona, PA | 3 | $ 212,000 | $ 70,666 | $ 36,000 |
| Baton Rouge, LA | 3 | $ 264,000 | $ 88,000 | $ 47,000 |
| Charlottesville, VA | 3 | $ 516,000 | $ 172,000 | $ 46,000 |
| Fort Worth-Arlington, TX | 3 | $ 214,000 | $ 71,333 | $ 30,000 |
| Gainesville, GA | 3 | $ 699,000 | $ 233,000 | $ 110,000 |
| Greenville, SC | 3 | $ 434,000 | $ 144,666 | $ 78,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 581,000 | $ 193,666 | $ 70,000 |
| Huntsville, AL | 3 | $ 221,000 | $ 73,666 | $ 36,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 569,000 | $ 189,666 | $ 82,000 |
| Panama City-Lynn Haven, FL | 3 | $ 331,000 | $ 110,333 | $ 53,000 |
| Roanoke, VA | 3 | $ 409,000 | $ 136,333 | $ 31,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 399,000 | $ 133,000 | $ 43,000 |
| Austin-Round Rock, TX | 2 | $ 951,000 | $ 475,500 | $ 179,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 362,000 | $ 181,000 | $ 18,000 |
| Brunswick, GA | 2 | $ 177,000 | $ 88,500 | $ 34,000 |
| Chattanooga, TN-GA | 2 | $ 200,000 | $ 100,000 | $ 97,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 390,000 | $ 195,000 | $ 45,000 |
| Columbus, GA-AL | 2 | $ 220,000 | $ 110,000 | $ 50,000 |
| Cumberland, MD-WV | 2 | $ 38,000 | $ 19,000 | $ 120,000 |
| Elkhart-Goshen, IN | 2 | $ 312,000 | $ 156,000 | $ 60,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 891,000 | $ 445,500 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 450,000 | $ 225,000 | $ 92,000 |
| Jackson, TN | 2 | $ 159,000 | $ 79,500 | $ 46,000 |
| Kansas City, MO-KS | 2 | $ 200,000 | $ 100,000 | $ 25,000 |
| Lebanon, PA | 2 | $ 134,000 | $ 67,000 | $ 45,000 |
| Mobile, AL | 2 | $ 68,000 | $ 34,000 | $ 32,000 |
| Tuscaloosa, AL | 2 | $ 203,000 | $ 101,500 | $ 37,000 |
| Vero Beach, FL | 2 | $ 643,000 | $ 321,500 | $ 98,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 465,000 | $ 232,500 | $ 65,000 |
| Athens-Clarke County, GA | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Burlington, NC | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Clarksville, TN-KY | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Columbia, MO | 1 | $ 74,000 | $ 74,000 | $ 25,000 |
| Columbus, OH | 1 | $ 94,000 | $ 94,000 | $ 47,000 |
| Dalton, GA | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Decatur, AL | 1 | $ 104,000 | $ 104,000 | $ 65,000 |
| Farmington, NM | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Fayetteville, NC | 1 | $ 81,000 | $ 81,000 | $ 37,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Indianapolis, IN | 1 | $ 171,000 | $ 171,000 | $ 34,000 |
| Jackson, MS | 1 | $ 212,000 | $ 212,000 | $ 65,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 86,000 | $ 86,000 | $ 40,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 42,000 | $ 42,000 | $ 65,000 |
| Lafayette, LA | 1 | $ 78,000 | $ 78,000 | $ 91,000 |
| Lake Charles, LA | 1 | $ 78,000 | $ 78,000 | $ 22,000 |
| Little Rock-North Little Rock, AR | 1 | $ 107,000 | $ 107,000 | $ 36,000 |
| Longview, TX | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Macon, GA | 1 | $ 89,000 | $ 89,000 | $ 45,000 |
| Morristown, TN | 1 | $ 147,000 | $ 147,000 | $ 45,000 |
| New Haven-Milford, CT | 1 | $ 147,000 | $ 147,000 | $ 90,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 294,000 | $ 294,000 | $ 102,000 |
| Raleigh-Cary, NC | 1 | $ 99,000 | $ 99,000 | $ 40,000 |
| Savannah, GA | 1 | $ 196,000 | $ 196,000 | $ 71,000 |
| Spartanburg, SC | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Springfield, MA | 1 | $ 120,000 | $ 120,000 | $ 53,000 |
| Tucson, AZ | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Tulsa, OK | 1 | $ 143,000 | $ 143,000 | $ 32,000 |
| Tyler, TX | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Valdosta, GA | 1 | $ 88,000 | $ 88,000 | $ 51,000 |
| Wilmington, DE-MD-NJ | 1 | $ 256,000 | $ 256,000 | $ 100,000 |
| Wilmington, NC | 1 | $ 211,000 | $ 211,000 | $ 87,000 |
| Winchester, VA-WV | 1 | $ 130,000 | $ 130,000 | $ 85,000 |
| Winston-Salem, NC | 1 | $ 86,000 | $ 86,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Transland Financial Services 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,833 | $244,876,000 | $143,291 | $845,000 | $56,666 | $960,000 |
| Refinancing | 1,496 | $321,956,000 | $171,391 | $760,000 | $65,130 | $936,000 |
| 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 | 2,314 | $393,571,000 | $163,678 | $845,000 | $60,535 | $960,000 |
| Black or African American | 466 | $74,599,000 | $175,133 | $749,000 | $59,933 | $936,000 |
| Hispanic | 370 | $64,172,000 | $190,900 | $446,000 | $79,300 | $362,000 |
| Asian | 93 | $21,730,000 | $263,200 | $416,000 | $100,600 | $294,000 |
| Not Provided | 68 | $10,520,000 | $134,428 | $500,000 | $41,000 | $240,000 |
| American Indian or Alaskan Native | 12 | $1,348,000 | $97,000 | $172,000 | $60,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $892,000 | $148,000 | $318,000 | $59,000 | $136,000 |
| 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) | 2,411 | $460,832,000 | $180,392 | $845,000 | $67,642 | $960,000 |
| FHA-insured (Federal Housing Administration) | 821 | $91,307,000 | $109,000 | $253,000 | $45,833 | $245,000 |
| VA-guaranteed (Veterans Administration) | 91 | $14,011,000 | $139,250 | $320,000 | $45,250 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $682,000 | $112,000 | $145,000 | $43,000 | $59,000 |
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 | 2,028 | $277,128,000 | $140,086 | $639,000 | $57,130 | $800,000 |
| Application Approved But Not Accepted | 516 | $114,524,000 | $179,578 | $749,000 | $64,263 | $447,000 |
| Application Denied By Financial Institution | 385 | $83,600,000 | $216,764 | $650,000 | $77,882 | $396,000 |
| File Closed For Incompleteness | 304 | $73,074,000 | $212,066 | $845,000 | $70,866 | $960,000 |
| Application Withdrawn By Applicant | 96 | $18,506,000 | $151,818 | $648,000 | $47,545 | $320,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 117 | $23,301,000 | $141,727 | $375,000 | $40,363 | $266,000 |
| Debt-To-Income Ratio | 108 | $23,722,000 | $190,545 | $562,000 | $66,818 | $253,000 |
| Credit History | 76 | $17,143,000 | $277,923 | $649,000 | $91,923 | $362,000 |
| Collateral | 53 | $12,180,000 | $183,375 | $526,000 | $31,250 | $171,000 |
| Employment History | 21 | $5,574,000 | $265,000 | $650,000 | $77,000 | $396,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $505,000 | $126,000 | $259,000 | $52,500 | $84,000 |
| Unverifiable Information | 3 | $575,000 | $180,500 | $224,000 | $67,000 | $90,000 |
| Mortgage Insurance Denied | 2 | $424,000 | $212,000 | $232,000 | $101,000 | $121,000 |
| Credit Application Incomplete | 1 | $176,000 | $176,000 | $176,000 | $172,000 | $172,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Transland Financial Services'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 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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