U.S. Trust Company, NA Mortgage Lending & HMDA Data, 2005
In 2005, U.S. Trust Company, NA of Jacksonville, FL reported 533 mortgage applications totaling $525.3 million, down 3% from 2004. The average application was for $985,534, and applicants reported an average income of $521,187. 76% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Dallas-Plano-Irving, TX (47), Los Angeles-Long Beach-Glendale, CA (46) and West Palm Beach-Boca Raton-Boynton Beach, FL (28) (applications in parentheses).
| Mortgage Company & Address | U.S. Trust Company, NA 4601 Touchton Rd E #3220 Jacksonville, FL 32246 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 533 |
| Total Mortgage Loan Application Amount | $525,290,000 |
| Average Mortgage Loan Application Amount | $985,534 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $521,187 |
| Highest Applicant Income | $7,323,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records U.S. Trust Company, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 46 | $ 77,412,000 | $ 1,682,869 | $ 422,000 |
| Dallas, Texas | 43 | $ 17,680,000 | $ 411,162 | $ 330,000 |
| Palm Beach, Florida | 28 | $ 42,457,000 | $ 1,516,321 | $ 762,000 |
| Collier, Florida | 21 | $ 12,855,000 | $ 612,142 | $ 207,000 |
| New York, New York | 18 | $ 23,696,000 | $ 1,316,444 | $ 193,000 |
| Fairfield, Connecticut | 16 | $ 28,442,000 | $ 1,777,625 | $ 1,975,000 |
| Orange, California | 14 | $ 18,685,000 | $ 1,334,642 | $ 506,000 |
| Hennepin, Minnesota | 14 | $ 17,220,000 | $ 1,230,000 | $ 1,036,000 |
| Norfolk, Massachusetts | 10 | $ 6,925,000 | $ 692,500 | $ 1,109,000 |
| San Diego, California | 9 | $ 11,830,000 | $ 1,314,444 | $ 568,000 |
| Indian River, Florida | 9 | $ 9,567,000 | $ 1,063,000 | $ 437,000 |
| Harris, Texas | 9 | $ 4,933,000 | $ 548,111 | $ 605,000 |
| Mecklenburg, North Carolina | 8 | $ 4,043,000 | $ 505,375 | $ 138,000 |
| Riverside, California | 7 | $ 8,745,000 | $ 1,249,285 | $ 331,000 |
| Lee, Florida | 7 | $ 12,660,000 | $ 1,808,571 | $ 1,190,000 |
| Suffolk, Massachusetts | 7 | $ 12,798,000 | $ 1,828,285 | $ 1,078,000 |
| Multnomah, Oregon | 7 | $ 3,999,000 | $ 571,285 | $ 1,077,000 |
| Loudoun, Virginia | 7 | $ 4,730,000 | $ 675,714 | $ 170,000 |
| King, Washington | 6 | $ 3,495,000 | $ 582,500 | $ 117,000 |
| San Francisco, California | 5 | $ 3,530,000 | $ 706,000 | $ 41,000 |
| Guilford, North Carolina | 5 | $ 2,045,000 | $ 409,000 | $ 135,000 |
| Charleston, South Carolina | 5 | $ 5,774,000 | $ 1,154,800 | $ 1,344,000 |
| Tarrant, Texas | 5 | $ 3,312,000 | $ 662,400 | $ 337,000 |
| Fairfax, Virginia | 5 | $ 2,000,000 | $ 400,000 | $ 325,000 |
| Maricopa, Arizona | 4 | $ 1,486,000 | $ 371,500 | $ 98,000 |
| Marin, California | 4 | $ 3,570,000 | $ 892,500 | $ 65,000 |
| San Mateo, California | 4 | $ 6,400,000 | $ 1,600,000 | $ 117,000 |
| Ventura, California | 4 | $ 2,880,000 | $ 720,000 | $ 1,041,000 |
| Montgomery, Maryland | 4 | $ 6,055,000 | $ 1,513,750 | $ 360,000 |
| Middlesex, Massachusetts | 4 | $ 3,528,000 | $ 882,000 | $ 348,000 |
| Nantucket, Massachusetts | 4 | $ 5,963,000 | $ 1,490,750 | $ 636,000 |
| Westchester, New York | 4 | $ 1,740,000 | $ 435,000 | $ 247,000 |
| Mono, California | 3 | $ 4,215,000 | $ 1,405,000 | $ 1,930,000 |
| Santa Barbara, California | 3 | $ 4,000,000 | $ 1,333,333 | $ 765,000 |
| Middlesex, Connecticut | 3 | $ 2,800,000 | $ 933,333 | $ 523,000 |
| District of Columbia, District Of Columbia | 3 | $ 3,117,000 | $ 1,039,000 | $ 147,000 |
| York, Maine | 3 | $ 2,210,000 | $ 736,666 | $ 596,000 |
| Anne Arundel, Maryland | 3 | $ 2,765,000 | $ 921,666 | $ 23,000 |
| Talbot, Maryland | 3 | $ 4,550,000 | $ 1,516,666 | $ 612,000 |
| Barnstable, Massachusetts | 3 | $ 2,476,000 | $ 825,333 | $ 383,000 |
| Ramsey, Minnesota | 3 | $ 1,675,000 | $ 558,333 | $ 26,000 |
| St. Louis, Missouri | 3 | $ 3,920,000 | $ 1,306,666 | $ 437,000 |
| Clark, Nevada | 3 | $ 2,093,000 | $ 697,666 | $ 309,000 |
| Buncombe, North Carolina | 3 | $ 1,360,000 | $ 453,333 | $ 2,446,000 |
| Montgomery, Pennsylvania | 3 | $ 4,500,000 | $ 1,500,000 | $ 1,993,000 |
| Arlington, Virginia | 3 | $ 1,422,000 | $ 474,000 | $ 636,000 |
| Teton, Wyoming | 3 | $ 3,700,000 | $ 1,233,333 | $ 452,000 |
| Contra Costa, California | 2 | $ 1,844,000 | $ 922,000 | $ 0 |
| Monterey, California | 2 | $ 1,830,000 | $ 915,000 | $ 300,000 |
| Napa, California | 2 | $ 2,002,000 | $ 1,001,000 | $ 0 |
| Santa Clara, California | 2 | $ 4,000,000 | $ 2,000,000 | $ 0 |
| Hartford, Connecticut | 2 | $ 650,000 | $ 325,000 | $ 110,000 |
| Broward, Florida | 2 | $ 720,000 | $ 360,000 | $ 1,175,000 |
| Miami-Dade, Florida | 2 | $ 1,875,000 | $ 937,500 | $ 482,000 |
| Monroe, Florida | 2 | $ 2,300,000 | $ 1,150,000 | $ 230,000 |
| Clayton, Georgia | 2 | $ 3,000,000 | $ 1,500,000 | $ 934,000 |
| Honolulu, Hawaii | 2 | $ 2,240,000 | $ 1,120,000 | $ 302,000 |
| Cumberland, Maine | 2 | $ 510,000 | $ 255,000 | $ 66,000 |
| Hancock, Maine | 2 | $ 1,013,000 | $ 506,500 | $ 330,000 |
| Essex, Massachusetts | 2 | $ 740,000 | $ 370,000 | $ 62,000 |
| Wright, Minnesota | 2 | $ 542,000 | $ 271,000 | $ 7,000,000 |
| Washoe, Nevada | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Grafton, New Hampshire | 2 | $ 3,000,000 | $ 1,500,000 | $ 0 |
| Avery, North Carolina | 2 | $ 1,220,000 | $ 610,000 | $ 110,000 |
| Durham, North Carolina | 2 | $ 207,000 | $ 103,500 | $ 137,000 |
| Jackson, North Carolina | 2 | $ 1,476,000 | $ 738,000 | $ 340,000 |
| Wake, North Carolina | 2 | $ 1,071,000 | $ 535,500 | $ 234,000 |
| Watauga, North Carolina | 2 | $ 802,000 | $ 401,000 | $ 409,000 |
| Benton, Oregon | 2 | $ 521,000 | $ 260,500 | $ 0 |
| Lancaster, Pennsylvania | 2 | $ 6,700,000 | $ 3,350,000 | $ 0 |
| Philadelphia, Pennsylvania | 2 | $ 693,000 | $ 346,500 | $ 32,000 |
| Newport, Rhode Island | 2 | $ 9,475,000 | $ 4,737,500 | $ 1,081,000 |
| Beaufort, South Carolina | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Collin, Texas | 2 | $ 445,000 | $ 222,500 | $ 0 |
| Denton, Texas | 2 | $ 622,000 | $ 311,000 | $ 332,000 |
| Windsor, Vermont | 2 | $ 1,575,000 | $ 787,500 | $ 778,000 |
| Alexandria, Virginia | 2 | $ 2,675,000 | $ 1,337,500 | $ 414,000 |
| Virginia Beach, Virginia | 2 | $ 1,355,000 | $ 677,500 | $ 2,409,000 |
| Haines, Alaska | 1 | $ 742,000 | $ 742,000 | $ 0 |
| Pima, Arizona | 1 | $ 790,000 | $ 790,000 | $ 1,118,000 |
| Alameda, California | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Calaveras, California | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Nevada, California | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Placer, California | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Santa Cruz, California | 1 | $ 1,504,000 | $ 1,504,000 | $ 1,315,000 |
| Arapahoe, Colorado | 1 | $ 1,700,000 | $ 1,700,000 | $ 290,000 |
| Boulder, Colorado | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Douglas, Colorado | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| Eagle, Colorado | 1 | $ 2,500,000 | $ 2,500,000 | $ 2,200,000 |
| Grand, Colorado | 1 | $ 590,000 | $ 590,000 | $ 476,000 |
| Gunnison, Colorado | 1 | $ 739,000 | $ 739,000 | $ 600,000 |
| Pitkin, Colorado | 1 | $ 350,000 | $ 350,000 | $ 800,000 |
| New Haven, Connecticut | 1 | $ 480,000 | $ 480,000 | $ 1,650,000 |
| New London, Connecticut | 1 | $ 1,250,000 | $ 1,250,000 | $ 480,000 |
| Sussex, Delaware | 1 | $ 1,775,000 | $ 1,775,000 | $ 0 |
| Martin, Florida | 1 | $ 2,100,000 | $ 2,100,000 | $ 433,000 |
| Sarasota, Florida | 1 | $ 500,000 | $ 500,000 | $ 1,000,000 |
| St. Johns, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,193,000 |
| DeKalb, Georgia | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Fulton, Georgia | 1 | $ 280,000 | $ 280,000 | $ 46,000 |
| Greene, Georgia | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Hawaii, Hawaii | 1 | $ 1,750,000 | $ 1,750,000 | $ 728,000 |
| Maui, Hawaii | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Fremont, Idaho | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Cook, Illinois | 1 | $ 200,000 | $ 200,000 | $ 308,000 |
| Caddo, Louisiana | 1 | $ 780,000 | $ 780,000 | $ 0 |
| Lincoln, Maine | 1 | $ 1,840,000 | $ 1,840,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 448,000 | $ 448,000 | $ 226,000 |
| Worcester, Maryland | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Berkshire, Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 161,000 |
| Worcester, Massachusetts | 1 | $ 184,000 | $ 184,000 | $ 248,000 |
| Charlevoix, Michigan | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Kent, Michigan | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Aitkin, Minnesota | 1 | $ 212,000 | $ 212,000 | $ 187,000 |
| Sherburne, Minnesota | 1 | $ 694,000 | $ 694,000 | $ 1,793,000 |
| Washington, Minnesota | 1 | $ 600,000 | $ 600,000 | $ 130,000 |
| Lafayette, Mississippi | 1 | $ 153,000 | $ 153,000 | $ 1,500,000 |
| Franklin, Missouri | 1 | $ 1,015,000 | $ 1,015,000 | $ 1,599,000 |
| Lancaster, Nebraska | 1 | $ 236,000 | $ 236,000 | $ 57,000 |
| Hillsborough, New Hampshire | 1 | $ 604,000 | $ 604,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 320,000 | $ 320,000 | $ 123,000 |
| Bernalillo, New Mexico | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Albany, New York | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Dutchess, New York | 1 | $ 400,000 | $ 400,000 | $ 335,000 |
| Kings, New York | 1 | $ 1,215,000 | $ 1,215,000 | $ 213,000 |
| Nassau, New York | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Suffolk, New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 750,000 |
| Ulster, New York | 1 | $ 372,000 | $ 372,000 | $ 111,000 |
| Brunswick, North Carolina | 1 | $ 750,000 | $ 750,000 | $ 600,000 |
| Dare, North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 600,000 |
| Orange, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 281,000 |
| Wilkes, North Carolina | 1 | $ 800,000 | $ 800,000 | $ 480,000 |
| Hood River, Oregon | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Lane, Oregon | 1 | $ 270,000 | $ 270,000 | $ 56,000 |
| Tillamook, Oregon | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Washington, Oregon | 1 | $ 90,000 | $ 90,000 | $ 864,000 |
| Yamhill, Oregon | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Northampton, Pennsylvania | 1 | $ 340,000 | $ 340,000 | $ 70,000 |
| Providence, Rhode Island | 1 | $ 650,000 | $ 650,000 | $ 300,000 |
| Georgetown, South Carolina | 1 | $ 376,000 | $ 376,000 | $ 248,000 |
| Knox, Tennessee | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Bosque, Texas | 1 | $ 88,000 | $ 88,000 | $ 304,000 |
| Fayette, Texas | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 154,000 | $ 154,000 | $ 203,000 |
| Franklin, Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Galveston, Texas | 1 | $ 750,000 | $ 750,000 | $ 657,000 |
| Henderson, Texas | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,955,000 |
| Travis, Texas | 1 | $ 375,000 | $ 375,000 | $ 100,000 |
| Summit, Utah | 1 | $ 1,000,000 | $ 1,000,000 | $ 2,015,000 |
| Wasatch, Utah | 1 | $ 279,000 | $ 279,000 | $ 424,000 |
| Chittenden, Vermont | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Bath, Virginia | 1 | $ 310,000 | $ 310,000 | $ 196,000 |
| Clarke, Virginia | 1 | $ 200,000 | $ 200,000 | $ 165,000 |
| Fauquier, Virginia | 1 | $ 400,000 | $ 400,000 | $ 95,000 |
| Orange, Virginia | 1 | $ 500,000 | $ 500,000 | $ 300,000 |
| Shenandoah, Virginia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Clark, Washington | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Island, Washington | 1 | $ 180,000 | $ 180,000 | $ 0 |
| San Juan, Washington | 1 | $ 140,000 | $ 140,000 | $ 0 |
| St. Croix, Wisconsin | 1 | $ 280,000 | $ 280,000 | $ 0 |
Mortgage Loan Application Detail Totals for U.S. Trust Company, NA 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 | 368 | $357,616,000 | $804,914 | $14,000,000 | $376,542 | $7,015,000 |
| Refinancing | 110 | $109,715,000 | $1,033,047 | $8,500,000 | $669,666 | $7,323,000 |
| Home Improvement | 55 | $57,959,000 | $1,180,823 | $5,000,000 | $497,235 | $4,500,000 |
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 | 354 | $343,208,000 | $898,303 | $8,500,000 | $457,212 | $7,323,000 |
| Not applicable | 123 | $132,353,000 | $1,025,666 | $14,000,000 | $169,625 | $4,134,000 |
| Not Provided | 39 | $34,122,000 | $718,733 | $5,500,000 | $590,066 | $2,406,000 |
| Asian | 7 | $6,841,000 | $948,833 | $2,150,000 | $684,500 | $4,000,000 |
| Hispanic | 6 | $6,016,000 | $855,500 | $2,000,000 | $364,500 | $566,000 |
| Black or African American | 3 | $2,600,000 | $866,666 | $1,500,000 | $689,333 | $1,868,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $150,000 | $150,000 | $150,000 | $370,000 | $370,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 533 | $525,290,000 | $885,000 | $14,000,000 | $419,184 | $7,323,000 |
| 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 | 404 | $388,314,000 | $863,763 | $8,500,000 | $397,078 | $7,323,000 |
| Application Approved But Not Accepted | 47 | $57,305,000 | $1,036,555 | $5,500,000 | $712,111 | $2,406,000 |
| Loan Purchased By The Institution | 35 | $15,985,000 | $754,000 | $14,000,000 | $0 | $0 |
| Application Withdrawn By Applicant | 32 | $44,013,000 | $1,266,363 | $4,725,000 | $0 | $0 |
| Application Denied By Financial Institution | 8 | $16,175,000 | $1,200,500 | $4,000,000 | $1,861,250 | $4,000,000 |
| File Closed For Incompleteness | 7 | $3,498,000 | $499,750 | $1,000,000 | $345,500 | $1,100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $2,108,000 | $1,054,000 | $1,268,000 | $2,150,500 | $4,000,000 |
| Debt-To-Income Ratio | 2 | $6,100,000 | $3,050,000 | $4,000,000 | $691,000 | $950,000 |
| Unverifiable Information | 2 | $7,276,000 | $3,638,000 | $3,638,000 | $3,200,000 | $3,200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $550,000 | $550,000 | $550,000 | $2,224,000 | $2,224,000 |
| Collateral | 1 | $141,000 | $141,000 | $141,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into U.S. Trust Company, NA'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 U.S. Trust Company, NA'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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