U.S. Trust Company, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
U.S. Trust Company, Na 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $958,082 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $488,972 |
| Highest Applicant Income | $7,323,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with U.S. Trust Company, Na. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing U.S. Trust Company, Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down U.S. Trust Company, Na's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how U.S. Trust Company, Na serves its applicants.
Each category highlights the total number of mortgage applications processed by U.S. Trust Company, Na, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at U.S. Trust Company, Na's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 46 | $ 77,412,000 | $ 1,682,000 | $ 422,000 |
| Dallas County Texas | 43 | $ 17,680,000 | $ 411,000 | $ 330,000 |
| Palm Beach County Florida | 28 | $ 42,457,000 | $ 1,516,000 | $ 762,000 |
| Collier County Florida | 21 | $ 12,855,000 | $ 612,000 | $ 207,000 |
| New York County New York | 18 | $ 23,696,000 | $ 1,316,000 | $ 193,000 |
| Fairfield County Connecticut | 16 | $ 28,442,000 | $ 1,777,000 | $ 1,975,000 |
| Orange County California | 14 | $ 18,685,000 | $ 1,334,000 | $ 506,000 |
| Hennepin County Minnesota | 14 | $ 17,220,000 | $ 1,230,000 | $ 1,036,000 |
| Norfolk County Massachusetts | 10 | $ 6,925,000 | $ 692,000 | $ 1,109,000 |
| San Diego County California | 9 | $ 11,830,000 | $ 1,314,000 | $ 568,000 |
| Indian River County Florida | 9 | $ 9,567,000 | $ 1,063,000 | $ 437,000 |
| Harris County Texas | 9 | $ 4,933,000 | $ 548,000 | $ 605,000 |
| Mecklenburg County North Carolina | 8 | $ 4,043,000 | $ 505,000 | $ 138,000 |
| Riverside County California | 7 | $ 8,745,000 | $ 1,249,000 | $ 331,000 |
| Lee County Florida | 7 | $ 12,660,000 | $ 1,808,000 | $ 1,190,000 |
| Suffolk County Massachusetts | 7 | $ 12,798,000 | $ 1,828,000 | $ 1,078,000 |
| Multnomah County Oregon | 7 | $ 3,999,000 | $ 571,000 | $ 1,077,000 |
| Loudoun County Virginia | 7 | $ 4,730,000 | $ 675,000 | $ 170,000 |
| King County Washington | 6 | $ 3,495,000 | $ 582,000 | $ 117,000 |
| San Francisco County California | 5 | $ 3,530,000 | $ 706,000 | $ 41,000 |
| Guilford County North Carolina | 5 | $ 2,045,000 | $ 409,000 | $ 135,000 |
| Charleston County South Carolina | 5 | $ 5,774,000 | $ 1,154,000 | $ 1,344,000 |
| Tarrant County Texas | 5 | $ 3,312,000 | $ 662,000 | $ 337,000 |
| Fairfax County Virginia | 5 | $ 2,000,000 | $ 400,000 | $ 325,000 |
| Maricopa County Arizona | 4 | $ 1,486,000 | $ 371,000 | $ 98,000 |
| Marin County California | 4 | $ 3,570,000 | $ 892,000 | $ 65,000 |
| San Mateo County California | 4 | $ 6,400,000 | $ 1,600,000 | $ 117,000 |
| Ventura County California | 4 | $ 2,880,000 | $ 720,000 | $ 1,041,000 |
| Montgomery County Maryland | 4 | $ 6,055,000 | $ 1,513,000 | $ 360,000 |
| Middlesex County Massachusetts | 4 | $ 3,528,000 | $ 882,000 | $ 348,000 |
| Nantucket County Massachusetts | 4 | $ 5,963,000 | $ 1,490,000 | $ 636,000 |
| Westchester County New York | 4 | $ 1,740,000 | $ 435,000 | $ 247,000 |
| Mono County California | 3 | $ 4,215,000 | $ 1,405,000 | $ 1,930,000 |
| Santa Barbara County California | 3 | $ 4,000,000 | $ 1,333,000 | $ 765,000 |
| Middlesex County Connecticut | 3 | $ 2,800,000 | $ 933,000 | $ 523,000 |
| District of Columbia County District Of Columbia | 3 | $ 3,117,000 | $ 1,039,000 | $ 147,000 |
| York County Maine | 3 | $ 2,210,000 | $ 736,000 | $ 596,000 |
| Anne Arundel County Maryland | 3 | $ 2,765,000 | $ 921,000 | $ 23,000 |
| Talbot County Maryland | 3 | $ 4,550,000 | $ 1,516,000 | $ 612,000 |
| Barnstable County Massachusetts | 3 | $ 2,476,000 | $ 825,000 | $ 383,000 |
| Ramsey County Minnesota | 3 | $ 1,675,000 | $ 558,000 | $ 26,000 |
| St. Louis County Missouri | 3 | $ 3,920,000 | $ 1,306,000 | $ 437,000 |
| Clark County Nevada | 3 | $ 2,093,000 | $ 697,000 | $ 309,000 |
| Buncombe County North Carolina | 3 | $ 1,360,000 | $ 453,000 | $ 2,446,000 |
| Montgomery County Pennsylvania | 3 | $ 4,500,000 | $ 1,500,000 | $ 1,993,000 |
| Arlington County Virginia | 3 | $ 1,422,000 | $ 474,000 | $ 636,000 |
| Teton County Wyoming | 3 | $ 3,700,000 | $ 1,233,000 | $ 452,000 |
| Contra Costa County California | 2 | $ 1,844,000 | $ 922,000 | $ 0 |
| Monterey County California | 2 | $ 1,830,000 | $ 915,000 | $ 300,000 |
| Napa County California | 2 | $ 2,002,000 | $ 1,001,000 | $ 0 |
| Santa Clara County California | 2 | $ 4,000,000 | $ 2,000,000 | $ 0 |
| Hartford County Connecticut | 2 | $ 650,000 | $ 325,000 | $ 110,000 |
| Broward County Florida | 2 | $ 720,000 | $ 360,000 | $ 1,175,000 |
| Miami-Dade County Florida | 2 | $ 1,875,000 | $ 937,000 | $ 482,000 |
| Monroe County Florida | 2 | $ 2,300,000 | $ 1,150,000 | $ 230,000 |
| Clayton County Georgia | 2 | $ 3,000,000 | $ 1,500,000 | $ 934,000 |
| Honolulu County Hawaii | 2 | $ 2,240,000 | $ 1,120,000 | $ 302,000 |
| Cumberland County Maine | 2 | $ 510,000 | $ 255,000 | $ 66,000 |
| Hancock County Maine | 2 | $ 1,013,000 | $ 506,000 | $ 330,000 |
| Essex County Massachusetts | 2 | $ 740,000 | $ 370,000 | $ 62,000 |
| Wright County Minnesota | 2 | $ 542,000 | $ 271,000 | $ 7,000,000 |
| Washoe County Nevada | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Grafton County New Hampshire | 2 | $ 3,000,000 | $ 1,500,000 | $ 0 |
| Avery County North Carolina | 2 | $ 1,220,000 | $ 610,000 | $ 110,000 |
| Durham County North Carolina | 2 | $ 207,000 | $ 103,000 | $ 137,000 |
| Jackson County North Carolina | 2 | $ 1,476,000 | $ 738,000 | $ 340,000 |
| Wake County North Carolina | 2 | $ 1,071,000 | $ 535,000 | $ 234,000 |
| Watauga County North Carolina | 2 | $ 802,000 | $ 401,000 | $ 409,000 |
| Benton County Oregon | 2 | $ 521,000 | $ 260,000 | $ 0 |
| Lancaster County Pennsylvania | 2 | $ 6,700,000 | $ 3,350,000 | $ 0 |
| Philadelphia County Pennsylvania | 2 | $ 693,000 | $ 346,000 | $ 32,000 |
| Newport County Rhode Island | 2 | $ 9,475,000 | $ 4,737,000 | $ 1,081,000 |
| Beaufort County South Carolina | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Collin County Texas | 2 | $ 445,000 | $ 222,000 | $ 0 |
| Denton County Texas | 2 | $ 622,000 | $ 311,000 | $ 332,000 |
| Windsor County Vermont | 2 | $ 1,575,000 | $ 787,000 | $ 778,000 |
| Alexandria County Virginia | 2 | $ 2,675,000 | $ 1,337,000 | $ 414,000 |
| Virginia Beach County Virginia | 2 | $ 1,355,000 | $ 677,000 | $ 2,409,000 |
| Haines County Alaska | 1 | $ 742,000 | $ 742,000 | $ 0 |
| Pima County Arizona | 1 | $ 790,000 | $ 790,000 | $ 1,118,000 |
| Alameda County California | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Calaveras County California | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Nevada County California | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Placer County California | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Santa Cruz County California | 1 | $ 1,504,000 | $ 1,504,000 | $ 1,315,000 |
| Arapahoe County Colorado | 1 | $ 1,700,000 | $ 1,700,000 | $ 290,000 |
| Boulder County Colorado | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Douglas County Colorado | 1 | $ 1,350,000 | $ 1,350,000 | $ 0 |
| Eagle County Colorado | 1 | $ 2,500,000 | $ 2,500,000 | $ 2,200,000 |
| Grand County Colorado | 1 | $ 590,000 | $ 590,000 | $ 476,000 |
| Gunnison County Colorado | 1 | $ 739,000 | $ 739,000 | $ 600,000 |
| Pitkin County Colorado | 1 | $ 350,000 | $ 350,000 | $ 800,000 |
| New Haven County Connecticut | 1 | $ 480,000 | $ 480,000 | $ 1,650,000 |
| New London County Connecticut | 1 | $ 1,250,000 | $ 1,250,000 | $ 480,000 |
| Sussex County Delaware | 1 | $ 1,775,000 | $ 1,775,000 | $ 0 |
| Martin County Florida | 1 | $ 2,100,000 | $ 2,100,000 | $ 433,000 |
| Sarasota County Florida | 1 | $ 500,000 | $ 500,000 | $ 1,000,000 |
| St. Johns County Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,193,000 |
| DeKalb County Georgia | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Fulton County Georgia | 1 | $ 280,000 | $ 280,000 | $ 46,000 |
| Greene County Georgia | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Hawaii County Hawaii | 1 | $ 1,750,000 | $ 1,750,000 | $ 728,000 |
| Maui County Hawaii | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Fremont County Idaho | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Cook County Illinois | 1 | $ 200,000 | $ 200,000 | $ 308,000 |
| Caddo County Louisiana | 1 | $ 780,000 | $ 780,000 | $ 0 |
| Lincoln County Maine | 1 | $ 1,840,000 | $ 1,840,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 448,000 | $ 448,000 | $ 226,000 |
| Worcester County Maryland | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Berkshire County Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Plymouth County Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 161,000 |
| Worcester County Massachusetts | 1 | $ 184,000 | $ 184,000 | $ 248,000 |
| Charlevoix County Michigan | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Kent County Michigan | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Aitkin County Minnesota | 1 | $ 212,000 | $ 212,000 | $ 187,000 |
| Sherburne County Minnesota | 1 | $ 694,000 | $ 694,000 | $ 1,793,000 |
| Washington County Minnesota | 1 | $ 600,000 | $ 600,000 | $ 130,000 |
| Lafayette County Mississippi | 1 | $ 153,000 | $ 153,000 | $ 1,500,000 |
| Franklin County Missouri | 1 | $ 1,015,000 | $ 1,015,000 | $ 1,599,000 |
| Lancaster County Nebraska | 1 | $ 236,000 | $ 236,000 | $ 57,000 |
| Hillsborough County New Hampshire | 1 | $ 604,000 | $ 604,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 320,000 | $ 320,000 | $ 123,000 |
| Bernalillo County New Mexico | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Albany County New York | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Dutchess County New York | 1 | $ 400,000 | $ 400,000 | $ 335,000 |
| Kings County New York | 1 | $ 1,215,000 | $ 1,215,000 | $ 213,000 |
| Nassau County New York | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Suffolk County New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 750,000 |
| Ulster County New York | 1 | $ 372,000 | $ 372,000 | $ 111,000 |
| Brunswick County North Carolina | 1 | $ 750,000 | $ 750,000 | $ 600,000 |
| Dare County North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 600,000 |
| Orange County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 281,000 |
| Wilkes County North Carolina | 1 | $ 800,000 | $ 800,000 | $ 480,000 |
| Hood River County Oregon | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Lane County Oregon | 1 | $ 270,000 | $ 270,000 | $ 56,000 |
| Tillamook County Oregon | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Washington County Oregon | 1 | $ 90,000 | $ 90,000 | $ 864,000 |
| Yamhill County Oregon | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 340,000 | $ 340,000 | $ 70,000 |
| Providence County Rhode Island | 1 | $ 650,000 | $ 650,000 | $ 300,000 |
| Georgetown County South Carolina | 1 | $ 376,000 | $ 376,000 | $ 248,000 |
| Knox County Tennessee | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Bosque County Texas | 1 | $ 88,000 | $ 88,000 | $ 304,000 |
| Fayette County Texas | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Fort Bend County Texas | 1 | $ 154,000 | $ 154,000 | $ 203,000 |
| Franklin County Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Galveston County Texas | 1 | $ 750,000 | $ 750,000 | $ 657,000 |
| Henderson County Texas | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,955,000 |
| Travis County Texas | 1 | $ 375,000 | $ 375,000 | $ 100,000 |
| Summit County Utah | 1 | $ 1,000,000 | $ 1,000,000 | $ 2,015,000 |
| Wasatch County Utah | 1 | $ 279,000 | $ 279,000 | $ 424,000 |
| Chittenden County Vermont | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Bath County Virginia | 1 | $ 310,000 | $ 310,000 | $ 196,000 |
| Clarke County Virginia | 1 | $ 200,000 | $ 200,000 | $ 165,000 |
| Fauquier County Virginia | 1 | $ 400,000 | $ 400,000 | $ 95,000 |
| Orange County Virginia | 1 | $ 500,000 | $ 500,000 | $ 300,000 |
| Shenandoah County Virginia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Clark County Washington | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Island County Washington | 1 | $ 180,000 | $ 180,000 | $ 0 |
| San Juan County Washington | 1 | $ 140,000 | $ 140,000 | $ 0 |
| St. Croix County 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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