U.S. Trust Company, NA Mortgage Lending & HMDA Data, 2004
In 2004, U.S. Trust Company, NA of Jacksonville, FL reported 552 mortgage applications totaling $487.6 million, down 35% from 2003. The average application was for $883,311, and applicants reported an average income of $430,307. 86% of its applications resulted in an originated loan and 0% were denied. Its largest markets were West Palm Beach-Boca Raton-Boynton Beach, FL (40), Bridgeport-Stamford-Norwalk, CT (39) and Los Angeles-Long Beach-Glendale, CA (37) (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 | 552 |
| Total Mortgage Loan Application Amount | $487,588,000 |
| Average Mortgage Loan Application Amount | $883,311 |
| Highest Mortgage Loan Application Amount | $9,500,000 |
| Average Applicant Income | $430,307 |
| Highest Applicant Income | $9,999,000 |
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(HMDA) records U.S. Trust Company, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Palm Beach, Florida | 40 | $ 60,036,000 | $ 1,500,900 | $ 421,000 |
| Fairfield, Connecticut | 39 | $ 36,652,000 | $ 939,794 | $ 646,000 |
| Los Angeles, California | 37 | $ 56,658,000 | $ 1,531,297 | $ 599,000 |
| Dallas, Texas | 27 | $ 16,482,000 | $ 610,444 | $ 713,000 |
| Hennepin, Minnesota | 24 | $ 23,883,000 | $ 995,125 | $ 392,000 |
| Orange, California | 16 | $ 15,925,000 | $ 995,312 | $ 98,000 |
| District of Columbia, District Of Columbia | 15 | $ 12,316,000 | $ 821,066 | $ 981,000 |
| Indian River, Florida | 14 | $ 4,768,000 | $ 340,571 | $ 106,000 |
| New York, New York | 14 | $ 10,240,000 | $ 731,428 | $ 454,000 |
| Collier, Florida | 13 | $ 8,579,000 | $ 659,923 | $ 286,000 |
| Riverside, California | 11 | $ 11,532,000 | $ 1,048,363 | $ 528,000 |
| San Francisco, California | 11 | $ 9,218,000 | $ 838,000 | $ 524,000 |
| Suffolk, Massachusetts | 9 | $ 5,195,000 | $ 577,222 | $ 2,336,000 |
| Middlesex, Massachusetts | 8 | $ 6,256,000 | $ 782,000 | $ 144,000 |
| Miami-Dade, Florida | 7 | $ 8,968,000 | $ 1,281,142 | $ 241,000 |
| Hawaii, Hawaii | 7 | $ 9,895,000 | $ 1,413,571 | $ 82,000 |
| Mecklenburg, North Carolina | 7 | $ 3,746,000 | $ 535,142 | $ 163,000 |
| Harris, Texas | 7 | $ 2,266,000 | $ 323,714 | $ 425,000 |
| Maricopa, Arizona | 6 | $ 3,881,000 | $ 646,833 | $ 817,000 |
| King, Washington | 6 | $ 6,220,000 | $ 1,036,666 | $ 463,000 |
| Napa, California | 5 | $ 4,525,000 | $ 905,000 | $ 157,000 |
| Hartford, Connecticut | 5 | $ 3,123,000 | $ 624,600 | $ 263,000 |
| Lee, Florida | 5 | $ 3,099,000 | $ 619,800 | $ 547,000 |
| Montgomery, Maryland | 5 | $ 4,157,000 | $ 831,400 | $ 482,000 |
| Multnomah, Oregon | 5 | $ 4,595,000 | $ 919,000 | $ 685,000 |
| Fairfax, Virginia | 5 | $ 4,254,000 | $ 850,800 | $ 298,000 |
| Santa Clara, California | 4 | $ 5,353,000 | $ 1,338,250 | $ 0 |
| Clark, Nevada | 4 | $ 1,922,000 | $ 480,500 | $ 204,000 |
| Suffolk, New York | 4 | $ 1,460,000 | $ 365,000 | $ 0 |
| Guilford, North Carolina | 4 | $ 2,135,000 | $ 533,750 | $ 258,000 |
| Charlottesville, Virginia | 4 | $ 1,049,000 | $ 262,250 | $ 0 |
| Contra Costa, California | 3 | $ 2,493,000 | $ 831,000 | $ 144,000 |
| Marin, California | 3 | $ 3,150,000 | $ 1,050,000 | $ 82,000 |
| Monterey, California | 3 | $ 2,900,000 | $ 966,666 | $ 220,000 |
| San Diego, California | 3 | $ 3,043,000 | $ 1,014,333 | $ 240,000 |
| San Mateo, California | 3 | $ 3,603,000 | $ 1,201,000 | $ 351,000 |
| Santa Barbara, California | 3 | $ 4,095,000 | $ 1,365,000 | $ 346,000 |
| Ventura, California | 3 | $ 4,461,000 | $ 1,487,000 | $ 1,475,000 |
| Eagle, Colorado | 3 | $ 4,152,000 | $ 1,384,000 | $ 200,000 |
| Sussex, Delaware | 3 | $ 2,975,000 | $ 991,666 | $ 466,000 |
| Sarasota, Florida | 3 | $ 2,890,000 | $ 963,333 | $ 224,000 |
| Dukes, Massachusetts | 3 | $ 2,990,000 | $ 996,666 | $ 193,000 |
| Essex, Massachusetts | 3 | $ 2,250,000 | $ 750,000 | $ 203,000 |
| Dakota, Minnesota | 3 | $ 2,798,000 | $ 932,666 | $ 783,000 |
| Clackamas, Oregon | 3 | $ 1,800,000 | $ 600,000 | $ 0 |
| Washington, Oregon | 3 | $ 1,347,000 | $ 449,000 | $ 376,000 |
| Providence, Rhode Island | 3 | $ 1,600,000 | $ 533,333 | $ 2,766,000 |
| Summit, Utah | 3 | $ 982,000 | $ 327,333 | $ 717,000 |
| Arlington, Virginia | 3 | $ 655,000 | $ 218,333 | $ 168,000 |
| Loudoun, Virginia | 3 | $ 4,300,000 | $ 1,433,333 | $ 432,000 |
| Denver, Colorado | 2 | $ 485,000 | $ 242,500 | $ 18,000 |
| Middlesex, Connecticut | 2 | $ 2,300,000 | $ 1,150,000 | $ 406,000 |
| New London, Connecticut | 2 | $ 440,000 | $ 220,000 | $ 212,000 |
| Broward, Florida | 2 | $ 3,046,000 | $ 1,523,000 | $ 708,000 |
| Clarke, Georgia | 2 | $ 261,000 | $ 130,500 | $ 69,000 |
| Honolulu, Hawaii | 2 | $ 4,950,000 | $ 2,475,000 | $ 1,705,000 |
| Maui, Hawaii | 2 | $ 1,200,000 | $ 600,000 | $ 163,000 |
| Kane, Illinois | 2 | $ 430,000 | $ 215,000 | $ 129,000 |
| Talbot, Maryland | 2 | $ 1,660,000 | $ 830,000 | $ 126,000 |
| Barnstable, Massachusetts | 2 | $ 1,600,000 | $ 800,000 | $ 537,000 |
| Westchester, New York | 2 | $ 1,200,000 | $ 600,000 | $ 1,800,000 |
| Montgomery, Pennsylvania | 2 | $ 3,137,000 | $ 1,568,500 | $ 593,000 |
| Newport, Rhode Island | 2 | $ 3,500,000 | $ 1,750,000 | $ 950,000 |
| Washington, Rhode Island | 2 | $ 1,044,000 | $ 522,000 | $ 677,000 |
| Beaufort, South Carolina | 2 | $ 4,085,000 | $ 2,042,500 | $ 175,000 |
| Charleston, South Carolina | 2 | $ 1,213,000 | $ 606,500 | $ 706,000 |
| Brazos, Texas | 2 | $ 241,000 | $ 120,500 | $ 0 |
| Travis, Texas | 2 | $ 1,705,000 | $ 852,500 | $ 805,000 |
| Clark, Washington | 2 | $ 1,013,000 | $ 506,500 | $ 431,000 |
| Pierce, Washington | 2 | $ 550,000 | $ 275,000 | $ 39,000 |
| Albany, Wyoming | 2 | $ 400,000 | $ 200,000 | $ 0 |
| La Paz, Arizona | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Pima, Arizona | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Alameda, California | 1 | $ 681,000 | $ 681,000 | $ 222,000 |
| Mendocino, California | 1 | $ 576,000 | $ 576,000 | $ 239,000 |
| Mono, California | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Placer, California | 1 | $ 300,000 | $ 300,000 | $ 0 |
| San Joaquin, California | 1 | $ 388,000 | $ 388,000 | $ 358,000 |
| Santa Cruz, California | 1 | $ 1,250,000 | $ 1,250,000 | $ 0 |
| Sonoma, California | 1 | $ 1,750,000 | $ 1,750,000 | $ 375,000 |
| Boulder, Colorado | 1 | $ 300,000 | $ 300,000 | $ 108,000 |
| Pitkin, Colorado | 1 | $ 480,000 | $ 480,000 | $ 500,000 |
| New Haven, Connecticut | 1 | $ 600,000 | $ 600,000 | $ 233,000 |
| Charlotte, Florida | 1 | $ 512,000 | $ 512,000 | $ 468,000 |
| Hillsborough, Florida | 1 | $ 431,000 | $ 431,000 | $ 417,000 |
| Martin, Florida | 1 | $ 1,500,000 | $ 1,500,000 | $ 294,000 |
| Monroe, Florida | 1 | $ 935,000 | $ 935,000 | $ 904,000 |
| Orange, Florida | 1 | $ 180,000 | $ 180,000 | $ 310,000 |
| Pinellas, Florida | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Seminole, Florida | 1 | $ 242,000 | $ 242,000 | $ 126,000 |
| DeKalb, Georgia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Fulton, Georgia | 1 | $ 1,530,000 | $ 1,530,000 | $ 0 |
| Thomas, Georgia | 1 | $ 805,000 | $ 805,000 | $ 403,000 |
| Kauai, Hawaii | 1 | $ 2,000,000 | $ 2,000,000 | $ 630,000 |
| Ada, Idaho | 1 | $ 400,000 | $ 400,000 | $ 121,000 |
| Blaine, Idaho | 1 | $ 1,949,000 | $ 1,949,000 | $ 0 |
| Cook, Illinois | 1 | $ 770,000 | $ 770,000 | $ 2,596,000 |
| Madison, Illinois | 1 | $ 124,000 | $ 124,000 | $ 50,000 |
| Hamilton, Indiana | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Caddo, Louisiana | 1 | $ 402,000 | $ 402,000 | $ 174,000 |
| Baltimore, Maryland | 1 | $ 450,000 | $ 450,000 | $ 321,000 |
| Howard, Maryland | 1 | $ 1,500,000 | $ 1,500,000 | $ 302,000 |
| Wicomico, Maryland | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Worcester, Maryland | 1 | $ 690,000 | $ 690,000 | $ 392,000 |
| Bristol, Massachusetts | 1 | $ 1,200,000 | $ 1,200,000 | $ 665,000 |
| Nantucket, Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 230,000 |
| Norfolk, Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 125,000 |
| Plymouth, Massachusetts | 1 | $ 130,000 | $ 130,000 | $ 193,000 |
| Clay, Minnesota | 1 | $ 84,000 | $ 84,000 | $ 28,000 |
| Ramsey, Minnesota | 1 | $ 685,000 | $ 685,000 | $ 650,000 |
| Wright, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| St. Louis, Missouri | 1 | $ 555,000 | $ 555,000 | $ 1,087,000 |
| Washoe, Nevada | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Carroll, New Hampshire | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Coos, New Hampshire | 1 | $ 450,000 | $ 450,000 | $ 562,000 |
| Strafford, New Hampshire | 1 | $ 224,000 | $ 224,000 | $ 79,000 |
| Camden, New Jersey | 1 | $ 1,000,000 | $ 1,000,000 | $ 533,000 |
| Cape May, New Jersey | 1 | $ 500,000 | $ 500,000 | $ 320,000 |
| Hudson, New Jersey | 1 | $ 690,000 | $ 690,000 | $ 230,000 |
| Morris, New Jersey | 1 | $ 1,100,000 | $ 1,100,000 | $ 902,000 |
| Bernalillo, New Mexico | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Sullivan, New York | 1 | $ 154,000 | $ 154,000 | $ 1,146,000 |
| Warren, New York | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Brunswick, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 196,000 |
| Currituck, North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Durham, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 230,000 |
| Forsyth, North Carolina | 1 | $ 700,000 | $ 700,000 | $ 290,000 |
| Jackson, North Carolina | 1 | $ 616,000 | $ 616,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 780,000 | $ 780,000 | $ 1,499,000 |
| Orange, North Carolina | 1 | $ 500,000 | $ 500,000 | $ 331,000 |
| Union, North Carolina | 1 | $ 490,000 | $ 490,000 | $ 200,000 |
| Franklin, Ohio | 1 | $ 351,000 | $ 351,000 | $ 120,000 |
| Hamilton, Ohio | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Benton, Oregon | 1 | $ 200,000 | $ 200,000 | $ 38,000 |
| Deschutes, Oregon | 1 | $ 296,000 | $ 296,000 | $ 183,000 |
| Jackson, Oregon | 1 | $ 820,000 | $ 820,000 | $ 1,092,000 |
| Marion, Oregon | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 900,000 | $ 900,000 | $ 103,000 |
| Chester, Pennsylvania | 1 | $ 1,100,000 | $ 1,100,000 | $ 413,000 |
| Bristol, Rhode Island | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Pickens, South Carolina | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Minnehaha, South Dakota | 1 | $ 147,000 | $ 147,000 | $ 109,000 |
| Jefferson, Tennessee | 1 | $ 329,000 | $ 329,000 | $ 786,000 |
| Collin, Texas | 1 | $ 31,000 | $ 31,000 | $ 257,000 |
| Parker, Texas | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Tarrant, Texas | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Chittenden, Vermont | 1 | $ 142,000 | $ 142,000 | $ 43,000 |
| Windham, Vermont | 1 | $ 695,000 | $ 695,000 | $ 1,458,000 |
| Albemarle, Virginia | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 140,000 | $ 140,000 | $ 198,000 |
| James City, Virginia | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Orange, Virginia | 1 | $ 500,000 | $ 500,000 | $ 461,000 |
| Pittsylvania, Virginia | 1 | $ 195,000 | $ 195,000 | $ 146,000 |
| Snohomish, Washington | 1 | $ 476,000 | $ 476,000 | $ 215,000 |
| Teton, Wyoming | 1 | $ 684,000 | $ 684,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for U.S. Trust Company, NA in 2004
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 | 375 | $319,476,000 | $628,176 | $9,500,000 | $364,176 | $9,999,000 |
| Refinancing | 133 | $133,558,000 | $980,000 | $5,000,000 | $528,826 | $8,468,000 |
| Home Improvement | 44 | $34,554,000 | $860,133 | $4,000,000 | $516,533 | $4,000,000 |
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 | 396 | $339,309,000 | $655,200 | $9,500,000 | $501,771 | $9,999,000 |
| Not applicable | 112 | $111,155,000 | $1,165,619 | $6,440,000 | $54,428 | $1,499,000 |
| Not Provided | 27 | $26,963,000 | $691,866 | $3,319,000 | $326,200 | $3,147,000 |
| Asian | 9 | $5,332,000 | $645,600 | $1,306,000 | $516,600 | $1,564,000 |
| Hispanic | 5 | $4,040,000 | $778,000 | $1,250,000 | $551,500 | $1,614,000 |
| Black or African American | 3 | $789,000 | $263,000 | $473,000 | $287,666 | $563,000 |
| Native Hawaiian or Other Pacific Islander | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 552 | $487,588,000 | $707,972 | $9,500,000 | $424,000 | $9,999,000 |
| 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 | 472 | $420,373,000 | $730,333 | $9,500,000 | $399,750 | $9,999,000 |
| Application Approved But Not Accepted | 46 | $42,270,000 | $812,071 | $2,990,000 | $1,231,142 | $8,468,000 |
| Application Withdrawn By Applicant | 21 | $23,868,000 | $1,094,818 | $4,000,000 | $134,545 | $1,000,000 |
| Loan Purchased By The Institution | 12 | $517,000 | $43,000 | $60,000 | $0 | $0 |
| Application Denied By Financial Institution | 1 | $560,000 | $560,000 | $560,000 | $185,000 | $185,000 |
| File Closed For Incompleteness | 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 | 1 | $560,000 | $560,000 | $560,000 | $185,000 | $185,000 |
| 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 U.S. Trust Company, NA's 2004 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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