Trident Home Loans Mortgage Lending & HMDA Data, 2017
In 2017, Trident Home Loans of Gulf Breeze, FL reported 497 mortgage applications totaling $147.4 million. The average application was for $296,575, and applicants reported an average income of $112,913. 93% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Pensacola-Ferry Pass-Brent, FL (259), Crestview-Fort Walton Beach-Destin, FL (48) and Atlanta-Sandy Springs-Roswell, GA (27) (applications in parentheses).
| Mortgage Company & Address | Trident Home Loans 913 Gulf Breeze Pkwy #23 Gulf Breeze, FL 32561 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 |
| Total Number of Mortgage Applications | 497 |
| Total Mortgage Loan Application Amount | $147,398,000 |
| Average Mortgage Loan Application Amount | $296,575 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $112,913 |
| Highest Applicant Income | $576,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Trident Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Santa Rosa, Florida | 171 | $ 43,066,000 | $ 251,847 | $ 93,000 |
| Escambia, Florida | 88 | $ 22,070,000 | $ 250,795 | $ 105,000 |
| Okaloosa, Florida | 40 | $ 10,643,000 | $ 266,075 | $ 84,000 |
| Walton, Florida | 8 | $ 2,374,000 | $ 296,750 | $ 130,000 |
| Baldwin, Alabama | 7 | $ 3,413,000 | $ 487,571 | $ 82,000 |
| Tarrant, Texas | 7 | $ 2,103,000 | $ 300,428 | $ 118,000 |
| Fayette, Georgia | 6 | $ 2,451,000 | $ 408,500 | $ 187,000 |
| Fulton, Georgia | 6 | $ 1,855,000 | $ 309,166 | $ 182,000 |
| Fairfax, Virginia | 6 | $ 2,977,000 | $ 496,166 | $ 87,000 |
| El Paso, Colorado | 5 | $ 1,716,000 | $ 343,200 | $ 134,000 |
| Brevard, Florida | 5 | $ 1,668,000 | $ 333,600 | $ 165,000 |
| Coweta, Georgia | 5 | $ 2,770,000 | $ 554,000 | $ 153,000 |
| Bay, Florida | 4 | $ 1,029,000 | $ 257,250 | $ 89,000 |
| Hillsborough, Florida | 4 | $ 1,140,000 | $ 285,000 | $ 146,000 |
| Monroe, Florida | 4 | $ 1,844,000 | $ 461,000 | $ 160,000 |
| Houston, Georgia | 4 | $ 904,000 | $ 226,000 | $ 135,000 |
| Palm Beach, Florida | 3 | $ 953,000 | $ 317,666 | $ 182,000 |
| Volusia, Florida | 3 | $ 1,007,000 | $ 335,666 | $ 293,000 |
| Anne Arundel, Maryland | 3 | $ 1,618,000 | $ 539,333 | $ 149,000 |
| Taylor, Texas | 3 | $ 961,000 | $ 320,333 | $ 71,000 |
| Lee, Alabama | 2 | $ 615,000 | $ 307,500 | $ 119,000 |
| Douglas, Colorado | 2 | $ 1,216,000 | $ 608,000 | $ 240,000 |
| Charlotte, Florida | 2 | $ 731,000 | $ 365,500 | $ 170,000 |
| Clay, Florida | 2 | $ 268,000 | $ 134,000 | $ 167,000 |
| Lee, Florida | 2 | $ 416,000 | $ 208,000 | $ 97,000 |
| Manatee, Florida | 2 | $ 775,000 | $ 387,500 | $ 66,000 |
| Miami-Dade, Florida | 2 | $ 954,000 | $ 477,000 | $ 163,000 |
| Orange, Florida | 2 | $ 294,000 | $ 147,000 | $ 60,000 |
| Cherokee, Georgia | 2 | $ 671,000 | $ 335,500 | $ 149,000 |
| Cobb, Georgia | 2 | $ 926,000 | $ 463,000 | $ 470,000 |
| Douglas, Georgia | 2 | $ 867,000 | $ 433,500 | $ 125,000 |
| Gwinnett, Georgia | 2 | $ 732,000 | $ 366,000 | $ 184,000 |
| Lowndes, Mississippi | 2 | $ 688,000 | $ 344,000 | $ 147,000 |
| Curry, New Mexico | 2 | $ 323,000 | $ 161,500 | $ 38,000 |
| Jackson, Oklahoma | 2 | $ 269,000 | $ 134,500 | $ 50,000 |
| Nueces, Texas | 2 | $ 705,000 | $ 352,500 | $ 66,000 |
| Val Verde, Texas | 2 | $ 473,000 | $ 236,500 | $ 146,000 |
| Virginia Beach, Virginia | 2 | $ 710,000 | $ 355,000 | $ 130,000 |
| Pierce, Washington | 2 | $ 1,392,000 | $ 696,000 | $ 57,000 |
| Skagit, Washington | 2 | $ 584,000 | $ 292,000 | $ 101,000 |
| Jefferson, Alabama | 1 | $ 521,000 | $ 521,000 | $ 168,000 |
| Morgan, Alabama | 1 | $ 90,000 | $ 90,000 | $ 22,000 |
| Kings, California | 1 | $ 225,000 | $ 225,000 | $ 203,000 |
| Monterey, California | 1 | $ 541,000 | $ 541,000 | $ 162,000 |
| Placer, California | 1 | $ 468,000 | $ 468,000 | $ 105,000 |
| Ventura, California | 1 | $ 680,000 | $ 680,000 | $ 201,000 |
| Jefferson, Colorado | 1 | $ 440,000 | $ 440,000 | $ 152,000 |
| Summit, Colorado | 1 | $ 418,000 | $ 418,000 | $ 166,000 |
| Broward, Florida | 1 | $ 288,000 | $ 288,000 | $ 65,000 |
| Citrus, Florida | 1 | $ 54,000 | $ 54,000 | $ 135,000 |
| Duval, Florida | 1 | $ 250,000 | $ 250,000 | $ 64,000 |
| Lake, Florida | 1 | $ 248,000 | $ 248,000 | $ 61,000 |
| Leon, Florida | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Marion, Florida | 1 | $ 252,000 | $ 252,000 | $ 100,000 |
| Osceola, Florida | 1 | $ 284,000 | $ 284,000 | $ 108,000 |
| Pasco, Florida | 1 | $ 121,000 | $ 121,000 | $ 42,000 |
| Pinellas, Florida | 1 | $ 424,000 | $ 424,000 | $ 211,000 |
| Bibb, Georgia | 1 | $ 210,000 | $ 210,000 | $ 193,000 |
| Morgan, Georgia | 1 | $ 579,000 | $ 579,000 | $ 185,000 |
| Paulding, Georgia | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Bartholomew, Indiana | 1 | $ 315,000 | $ 315,000 | $ 66,000 |
| Clark, Indiana | 1 | $ 123,000 | $ 123,000 | $ 182,000 |
| East Baton Rouge, Louisiana | 1 | $ 151,000 | $ 151,000 | $ 547,000 |
| Orleans, Louisiana | 1 | $ 496,000 | $ 496,000 | $ 256,000 |
| Cecil, Maryland | 1 | $ 440,000 | $ 440,000 | $ 60,000 |
| Montgomery, Maryland | 1 | $ 770,000 | $ 770,000 | $ 385,000 |
| St. Mary's, Maryland | 1 | $ 435,000 | $ 435,000 | $ 137,000 |
| Oakland, Michigan | 1 | $ 180,000 | $ 180,000 | $ 150,000 |
| Garfield, Oklahoma | 1 | $ 323,000 | $ 323,000 | $ 135,000 |
| Clackamas, Oregon | 1 | $ 426,000 | $ 426,000 | $ 87,000 |
| Decatur, Tennessee | 1 | $ 650,000 | $ 650,000 | $ 153,000 |
| Hamilton, Tennessee | 1 | $ 288,000 | $ 288,000 | $ 310,000 |
| McNairy, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 338,000 |
| Shelby, Tennessee | 1 | $ 589,000 | $ 589,000 | $ 0 |
| Dallas, Texas | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Denton, Texas | 1 | $ 549,000 | $ 549,000 | $ 99,000 |
| El Paso, Texas | 1 | $ 146,000 | $ 146,000 | $ 53,000 |
| Hood, Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Smith, Texas | 1 | $ 186,000 | $ 186,000 | $ 72,000 |
| Travis, Texas | 1 | $ 306,000 | $ 306,000 | $ 285,000 |
| Salt Lake, Utah | 1 | $ 400,000 | $ 400,000 | $ 262,000 |
| Alexandria, Virginia | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Arlington, Virginia | 1 | $ 421,000 | $ 421,000 | $ 0 |
| King George, Virginia | 1 | $ 200,000 | $ 200,000 | $ 512,000 |
| Loudoun, Virginia | 1 | $ 250,000 | $ 250,000 | $ 79,000 |
| Norfolk, Virginia | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Prince William, Virginia | 1 | $ 267,000 | $ 267,000 | $ 67,000 |
| Suffolk, Virginia | 1 | $ 277,000 | $ 277,000 | $ 69,000 |
| Island, Washington | 1 | $ 670,000 | $ 670,000 | $ 278,000 |
| King, Washington | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Spokane, Washington | 1 | $ 222,000 | $ 222,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Trident Home Loans 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 | 379 | $104,906,000 | $276,000 | $1,000,000 | $116,000 | $547,000 |
| Refinancing | 118 | $42,492,000 | $360,000 | $1,000,000 | $103,000 | $576,000 |
| 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 | 448 | $133,738,000 | $298,000 | $1,000,000 | $112,000 | $576,000 |
| Black or African American | 15 | $4,623,000 | $308,000 | $438,000 | $124,000 | $500,000 |
| Hispanic | 15 | $3,694,000 | $246,000 | $497,000 | $79,000 | $180,000 |
| Not Provided | 14 | $3,650,000 | $260,000 | $420,000 | $155,000 | $420,000 |
| Asian | 4 | $1,344,000 | $336,000 | $452,000 | $123,000 | $152,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $349,000 | $349,000 | $349,000 | $123,000 | $123,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 306 | $103,869,000 | $339,000 | $1,000,000 | $103,000 | $576,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 175 | $40,940,000 | $233,000 | $670,000 | $135,000 | $576,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,481,000 | $165,000 | $278,000 | $58,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 1 | $108,000 | $108,000 | $108,000 | $27,000 | $27,000 |
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 | 460 | $136,718,000 | $297,000 | $1,000,000 | $113,000 | $576,000 |
| Application Withdrawn By Applicant | 30 | $8,840,000 | $294,000 | $704,000 | $102,000 | $340,000 |
| Application Denied By Financial Institution | 6 | $1,573,000 | $262,000 | $424,000 | $174,000 | $500,000 |
| File Closed For Incompleteness | 1 | $267,000 | $267,000 | $267,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $392,000 | $392,000 | $392,000 | $106,000 | $106,000 |
| Collateral | 1 | $215,000 | $215,000 | $215,000 | $232,000 | $232,000 |
| Credit Application Incomplete | 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 Trident Home Loans'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 Trident Home Loans'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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