United States Trust Company,Na Mortgage Lending & HMDA Data, 2006
In 2006, United States Trust Company,Na of Kansas City, MO reported 684 mortgage applications totaling $968.9 million. The average application was for $1,416,517, and applicants reported an average income of $1,129,440. 73% of its applications resulted in an originated loan and 1% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (171), Nassau-Suffolk, NY (34) and Los Angeles-Long Beach-Glendale, CA (33) (applications in parentheses).
| Mortgage Company & Address | United States Trust Company,Na 1200 Main St, Mail Stop Mo8-060-12-24 Kansas City, MO 64105 |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 684 |
| Total Mortgage Loan Application Amount | $968,898,000 |
| Average Mortgage Loan Application Amount | $1,416,517 |
| Highest Mortgage Loan Application Amount | $16,250,000 |
| Average Applicant Income | $1,129,440 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United States Trust Company,Na filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York, New York | 139 | $ 264,673,000 | $ 1,904,122 | $ 1,660,000 |
| Los Angeles, California | 33 | $ 46,242,000 | $ 1,401,272 | $ 259,000 |
| Fairfield, Connecticut | 32 | $ 66,018,000 | $ 2,063,062 | $ 2,487,000 |
| Suffolk, New York | 27 | $ 56,485,000 | $ 2,092,037 | $ 2,837,000 |
| Dallas, Texas | 26 | $ 25,602,000 | $ 984,692 | $ 500,000 |
| Palm Beach, Florida | 23 | $ 22,033,000 | $ 957,956 | $ 1,944,000 |
| Westchester, New York | 15 | $ 20,750,000 | $ 1,383,333 | $ 2,410,000 |
| Orange, California | 12 | $ 21,631,000 | $ 1,802,583 | $ 360,000 |
| Miami-Dade, Florida | 9 | $ 25,090,000 | $ 2,787,777 | $ 1,751,000 |
| Middlesex, Massachusetts | 9 | $ 3,425,000 | $ 380,555 | $ 204,000 |
| Hennepin, Minnesota | 9 | $ 17,837,000 | $ 1,981,888 | $ 930,000 |
| Essex, Massachusetts | 8 | $ 11,110,000 | $ 1,388,750 | $ 543,000 |
| Kings, New York | 8 | $ 14,056,000 | $ 1,757,000 | $ 1,237,000 |
| Travis, Texas | 8 | $ 4,326,000 | $ 540,750 | $ 662,000 |
| Fairfax, Virginia | 8 | $ 8,482,000 | $ 1,060,250 | $ 282,000 |
| San Diego, California | 7 | $ 9,498,000 | $ 1,356,857 | $ 341,000 |
| San Francisco, California | 7 | $ 5,767,000 | $ 823,857 | $ 326,000 |
| Litchfield, Connecticut | 7 | $ 5,665,000 | $ 809,285 | $ 1,600,000 |
| Nassau, New York | 7 | $ 20,173,000 | $ 2,881,857 | $ 1,458,000 |
| Collier, Florida | 6 | $ 10,900,000 | $ 1,816,666 | $ 683,000 |
| Indian River, Florida | 6 | $ 6,084,000 | $ 1,014,000 | $ 882,000 |
| Maui, Hawaii | 6 | $ 8,672,000 | $ 1,445,333 | $ 353,000 |
| Suffolk, Massachusetts | 6 | $ 5,169,000 | $ 861,500 | $ 599,000 |
| San Miguel, Colorado | 5 | $ 9,099,000 | $ 1,819,800 | $ 1,127,000 |
| Nantucket, Massachusetts | 5 | $ 6,780,000 | $ 1,356,000 | $ 2,142,000 |
| Norfolk, Massachusetts | 5 | $ 5,638,000 | $ 1,127,600 | $ 1,243,000 |
| Essex, New Jersey | 5 | $ 4,350,000 | $ 870,000 | $ 300,000 |
| Morris, New Jersey | 5 | $ 4,880,000 | $ 976,000 | $ 1,161,000 |
| Mecklenburg, North Carolina | 5 | $ 3,412,000 | $ 682,400 | $ 430,000 |
| Maricopa, Arizona | 4 | $ 2,426,000 | $ 606,500 | $ 954,000 |
| Contra Costa, California | 4 | $ 4,700,000 | $ 1,175,000 | $ 240,000 |
| Imperial, California | 4 | $ 1,361,000 | $ 340,250 | $ 0 |
| Marin, California | 4 | $ 3,215,000 | $ 803,750 | $ 232,000 |
| Santa Barbara, California | 4 | $ 15,100,000 | $ 3,775,000 | $ 2,825,000 |
| Ventura, California | 4 | $ 5,325,000 | $ 1,331,250 | $ 186,000 |
| Eagle, Colorado | 4 | $ 6,600,000 | $ 1,650,000 | $ 698,000 |
| Pitkin, Colorado | 4 | $ 30,000,000 | $ 7,500,000 | $ 2,499,000 |
| Lee, Florida | 4 | $ 1,972,000 | $ 493,000 | $ 250,000 |
| Cook, Illinois | 4 | $ 4,200,000 | $ 1,050,000 | $ 608,000 |
| Montgomery, Maryland | 4 | $ 2,095,000 | $ 523,750 | $ 72,000 |
| Bergen, New Jersey | 4 | $ 3,630,000 | $ 907,500 | $ 559,000 |
| Mercer, New Jersey | 4 | $ 2,635,000 | $ 658,750 | $ 148,000 |
| Ocean, New Jersey | 4 | $ 5,300,000 | $ 1,325,000 | $ 87,000 |
| Alexandria, Virginia | 4 | $ 1,595,000 | $ 398,750 | $ 0 |
| San Mateo, California | 3 | $ 2,300,000 | $ 766,666 | $ 416,000 |
| Denver, Colorado | 3 | $ 2,177,000 | $ 725,666 | $ 179,000 |
| New Haven, Connecticut | 3 | $ 2,260,000 | $ 753,333 | $ 674,000 |
| Hillsborough, Florida | 3 | $ 1,441,000 | $ 480,333 | $ 169,000 |
| Hawaii, Hawaii | 3 | $ 4,963,000 | $ 1,654,333 | $ 593,000 |
| Kauai, Hawaii | 3 | $ 850,000 | $ 283,333 | $ 0 |
| Barnstable, Massachusetts | 3 | $ 2,760,000 | $ 920,000 | $ 987,000 |
| Plymouth, Massachusetts | 3 | $ 3,098,000 | $ 1,032,666 | $ 925,000 |
| Gallatin, Montana | 3 | $ 7,410,000 | $ 2,470,000 | $ 1,026,000 |
| Camden, New Jersey | 3 | $ 323,000 | $ 107,666 | $ 0 |
| Union, New Jersey | 3 | $ 2,871,000 | $ 957,000 | $ 831,000 |
| Dutchess, New York | 3 | $ 3,005,000 | $ 1,001,666 | $ 380,000 |
| Buncombe, North Carolina | 3 | $ 665,000 | $ 221,666 | $ 128,000 |
| Multnomah, Oregon | 3 | $ 4,325,000 | $ 1,441,666 | $ 3,145,000 |
| Providence, Rhode Island | 3 | $ 3,820,000 | $ 1,273,333 | $ 947,000 |
| Harris, Texas | 3 | $ 2,210,000 | $ 736,666 | $ 209,000 |
| Tarrant, Texas | 3 | $ 740,000 | $ 246,666 | $ 836,000 |
| Teton, Wyoming | 3 | $ 7,900,000 | $ 2,633,333 | $ 1,833,000 |
| Jefferson, Alabama | 2 | $ 533,000 | $ 266,500 | $ 307,000 |
| Alameda, California | 2 | $ 1,495,000 | $ 747,500 | $ 625,000 |
| Monterey, California | 2 | $ 2,000,000 | $ 1,000,000 | $ 120,000 |
| Riverside, California | 2 | $ 4,160,000 | $ 2,080,000 | $ 4,999,000 |
| Santa Clara, California | 2 | $ 1,729,000 | $ 864,500 | $ 283,000 |
| Sonoma, California | 2 | $ 987,000 | $ 493,500 | $ 48,000 |
| New London, Connecticut | 2 | $ 855,000 | $ 427,500 | $ 0 |
| Duval, Florida | 2 | $ 1,265,000 | $ 632,500 | $ 153,000 |
| Martin, Florida | 2 | $ 2,900,000 | $ 1,450,000 | $ 1,100,000 |
| Monroe, Florida | 2 | $ 5,000,000 | $ 2,500,000 | $ 4,370,000 |
| Honolulu, Hawaii | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Howard, Maryland | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Lake of the Woods, Minnesota | 2 | $ 1,464,000 | $ 732,000 | $ 83,000 |
| Rockingham, New Hampshire | 2 | $ 1,250,000 | $ 625,000 | $ 1,148,000 |
| Passaic, New Jersey | 2 | $ 3,676,000 | $ 1,838,000 | $ 1,500,000 |
| Somerset, New Jersey | 2 | $ 3,579,000 | $ 1,789,500 | $ 1,296,000 |
| Santa Fe, New Mexico | 2 | $ 2,600,000 | $ 1,300,000 | $ 1,305,000 |
| Bronx, New York | 2 | $ 1,500,000 | $ 750,000 | $ 0 |
| Carteret, North Carolina | 2 | $ 1,600,000 | $ 800,000 | $ 485,000 |
| Guilford, North Carolina | 2 | $ 4,700,000 | $ 2,350,000 | $ 1,271,000 |
| Macon, North Carolina | 2 | $ 600,000 | $ 300,000 | $ 260,000 |
| Wake, North Carolina | 2 | $ 760,000 | $ 380,000 | $ 78,000 |
| Montgomery, Pennsylvania | 2 | $ 1,600,000 | $ 800,000 | $ 828,000 |
| Aiken, South Carolina | 2 | $ 2,600,000 | $ 1,300,000 | $ 80,000 |
| Beaufort, South Carolina | 2 | $ 5,528,000 | $ 2,764,000 | $ 0 |
| Charleston, South Carolina | 2 | $ 1,880,000 | $ 940,000 | $ 65,000 |
| Arlington, Virginia | 2 | $ 700,000 | $ 350,000 | $ 346,000 |
| King, Washington | 2 | $ 1,597,000 | $ 798,500 | $ 554,000 |
| Pulaski, Arkansas | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Lake, California | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Boulder, Colorado | 1 | $ 614,000 | $ 614,000 | $ 200,000 |
| El Paso, Colorado | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Routt, Colorado | 1 | $ 650,000 | $ 650,000 | $ 275,000 |
| Hartford, Connecticut | 1 | $ 250,000 | $ 250,000 | $ 275,000 |
| Bay, Florida | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Manatee, Florida | 1 | $ 1,403,000 | $ 1,403,000 | $ 297,000 |
| Nassau, Florida | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Orange, Florida | 1 | $ 400,000 | $ 400,000 | $ 191,000 |
| Polk, Florida | 1 | $ 540,000 | $ 540,000 | $ 541,000 |
| Sarasota, Florida | 1 | $ 1,585,000 | $ 1,585,000 | $ 1,384,000 |
| St. Lucie, Florida | 1 | $ 250,000 | $ 250,000 | $ 748,000 |
| Cobb, Georgia | 1 | $ 270,000 | $ 270,000 | $ 100,000 |
| Fulton, Georgia | 1 | $ 800,000 | $ 800,000 | $ 446,000 |
| Blaine, Idaho | 1 | $ 1,350,000 | $ 1,350,000 | $ 1,550,000 |
| Kane, Illinois | 1 | $ 3,500,000 | $ 3,500,000 | $ 0 |
| Lake, Illinois | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Caddo, Louisiana | 1 | $ 400,000 | $ 400,000 | $ 1,946,000 |
| Hancock, Maine | 1 | $ 250,000 | $ 250,000 | $ 0 |
| York, Maine | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 700,000 | $ 700,000 | $ 385,000 |
| Kent, Maryland | 1 | $ 1,040,000 | $ 1,040,000 | $ 2,721,000 |
| Becker, Minnesota | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Roseau, Minnesota | 1 | $ 120,000 | $ 120,000 | $ 136,000 |
| Washington, Minnesota | 1 | $ 300,000 | $ 300,000 | $ 178,000 |
| St. Louis, Missouri | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Flathead, Montana | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,279,000 |
| Carson City, Nevada | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Washoe, Nevada | 1 | $ 465,000 | $ 465,000 | $ 122,000 |
| Grafton, New Hampshire | 1 | $ 500,000 | $ 500,000 | $ 575,000 |
| Sullivan, New Hampshire | 1 | $ 490,000 | $ 490,000 | $ 544,000 |
| Gloucester, New Jersey | 1 | $ 121,000 | $ 121,000 | $ 1,164,000 |
| Hudson, New Jersey | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Monmouth, New Jersey | 1 | $ 1,000,000 | $ 1,000,000 | $ 4,900,000 |
| Columbia, New York | 1 | $ 400,000 | $ 400,000 | $ 1,743,000 |
| Monroe, New York | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Orange, New York | 1 | $ 1,400,000 | $ 1,400,000 | $ 3,392,000 |
| Alamance, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Currituck, North Carolina | 1 | $ 1,405,000 | $ 1,405,000 | $ 506,000 |
| Moore, North Carolina | 1 | $ 250,000 | $ 250,000 | $ 1,862,000 |
| New Hanover, North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Orange, North Carolina | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Pitt, North Carolina | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Watauga, North Carolina | 1 | $ 800,000 | $ 800,000 | $ 493,000 |
| Clackamas, Oregon | 1 | $ 409,000 | $ 409,000 | $ 115,000 |
| Washington, Oregon | 1 | $ 1,000,000 | $ 1,000,000 | $ 625,000 |
| Chester, Pennsylvania | 1 | $ 665,000 | $ 665,000 | $ 246,000 |
| Monroe, Pennsylvania | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 1,190,000 | $ 1,190,000 | $ 158,000 |
| Sullivan, Pennsylvania | 1 | $ 784,000 | $ 784,000 | $ 434,000 |
| Newport, Rhode Island | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Washington, Rhode Island | 1 | $ 713,000 | $ 713,000 | $ 701,000 |
| Denton, Texas | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Grayson, Texas | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Henderson, Texas | 1 | $ 1,000,000 | $ 1,000,000 | $ 450,000 |
| Midland, Texas | 1 | $ 172,000 | $ 172,000 | $ 36,000 |
| Smith, Texas | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Summit, Utah | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,780,000 |
| Chittenden, Vermont | 1 | $ 385,000 | $ 385,000 | $ 102,000 |
| Lamoille, Vermont | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Albemarle, Virginia | 1 | $ 4,800,000 | $ 4,800,000 | $ 4,164,000 |
| Loudoun, Virginia | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Orange, Virginia | 1 | $ 1,000,000 | $ 1,000,000 | $ 400,000 |
| Skagit, Washington | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Whatcom, Washington | 1 | $ 650,000 | $ 650,000 | $ 535,000 |
Mortgage Loan Application Detail Totals for United States Trust Company,Na in 2006
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 | 565 | $778,813,000 | $1,378,000 | $13,000,000 | $1,164,000 | $9,999,000 |
| Refinancing | 69 | $148,835,000 | $2,157,000 | $16,250,000 | $833,000 | $7,588,000 |
| Home Improvement | 50 | $41,250,000 | $825,000 | $8,000,000 | $1,148,000 | $5,294,000 |
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 | 505 | $668,086,000 | $1,322,000 | $16,250,000 | $1,329,000 | $9,999,000 |
| Not applicable | 113 | $194,664,000 | $1,722,000 | $13,000,000 | $53,000 | $2,781,000 |
| Not Provided | 43 | $66,860,000 | $1,554,000 | $15,000,000 | $1,319,000 | $9,999,000 |
| Asian | 9 | $25,845,000 | $2,871,000 | $10,400,000 | $2,615,000 | $6,991,000 |
| Black or African American | 9 | $6,678,000 | $742,000 | $2,520,000 | $1,442,000 | $9,999,000 |
| Hispanic | 5 | $6,765,000 | $1,353,000 | $2,975,000 | $442,000 | $1,250,000 |
| 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) | 684 | $968,898,000 | $1,416,000 | $16,250,000 | $1,129,000 | $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 | 501 | $592,343,000 | $1,182,000 | $10,400,000 | $1,072,000 | $9,999,000 |
| Application Approved But Not Accepted | 117 | $239,668,000 | $2,048,000 | $16,250,000 | $1,877,000 | $9,999,000 |
| Application Withdrawn By Applicant | 54 | $121,294,000 | $2,246,000 | $15,000,000 | $74,000 | $1,526,000 |
| File Closed For Incompleteness | 6 | $6,268,000 | $1,044,000 | $2,990,000 | $0 | $0 |
| Application Denied By Financial Institution | 6 | $9,325,000 | $1,554,000 | $4,200,000 | $1,988,000 | $9,999,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $1,975,000 | $658,000 | $1,000,000 | $3,333,000 | $9,999,000 |
| Debt-To-Income Ratio | 1 | $4,200,000 | $4,200,000 | $4,200,000 | $1,777,000 | $1,777,000 |
| Collateral | 1 | $250,000 | $250,000 | $250,000 | $157,000 | $157,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $2,900,000 | $2,900,000 | $2,900,000 | $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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United States Trust Company,Na's 2006 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 United States 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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