United States Trust Company,Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
United States Trust Company,Na 2006 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 | 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 | $1,453,333 |
| Highest Mortgage Loan Application Amount | $16,250,000 |
| Average Applicant Income | $1,048,333 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with United States 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 United States Trust Company,Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down United States 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 United States Trust Company,Na serves its applicants.
Each category highlights the total number of mortgage applications processed by United States 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 United States Trust Company,Na's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York County New York | 139 | $ 264,673,000 | $ 1,904,000 | $ 1,660,000 |
| Los Angeles County California | 33 | $ 46,242,000 | $ 1,401,000 | $ 259,000 |
| Fairfield County Connecticut | 32 | $ 66,018,000 | $ 2,063,000 | $ 2,487,000 |
| Suffolk County New York | 27 | $ 56,485,000 | $ 2,092,000 | $ 2,837,000 |
| Dallas County Texas | 26 | $ 25,602,000 | $ 984,000 | $ 500,000 |
| Palm Beach County Florida | 23 | $ 22,033,000 | $ 957,000 | $ 1,944,000 |
| Westchester County New York | 15 | $ 20,750,000 | $ 1,383,000 | $ 2,410,000 |
| Orange County California | 12 | $ 21,631,000 | $ 1,802,000 | $ 360,000 |
| Miami-Dade County Florida | 9 | $ 25,090,000 | $ 2,787,000 | $ 1,751,000 |
| Middlesex County Massachusetts | 9 | $ 3,425,000 | $ 380,000 | $ 204,000 |
| Hennepin County Minnesota | 9 | $ 17,837,000 | $ 1,981,000 | $ 930,000 |
| Essex County Massachusetts | 8 | $ 11,110,000 | $ 1,388,000 | $ 543,000 |
| Kings County New York | 8 | $ 14,056,000 | $ 1,757,000 | $ 1,237,000 |
| Travis County Texas | 8 | $ 4,326,000 | $ 540,000 | $ 662,000 |
| Fairfax County Virginia | 8 | $ 8,482,000 | $ 1,060,000 | $ 282,000 |
| San Diego County California | 7 | $ 9,498,000 | $ 1,356,000 | $ 341,000 |
| San Francisco County California | 7 | $ 5,767,000 | $ 823,000 | $ 326,000 |
| Litchfield County Connecticut | 7 | $ 5,665,000 | $ 809,000 | $ 1,600,000 |
| Nassau County New York | 7 | $ 20,173,000 | $ 2,881,000 | $ 1,458,000 |
| Collier County Florida | 6 | $ 10,900,000 | $ 1,816,000 | $ 683,000 |
| Indian River County Florida | 6 | $ 6,084,000 | $ 1,014,000 | $ 882,000 |
| Maui County Hawaii | 6 | $ 8,672,000 | $ 1,445,000 | $ 353,000 |
| Suffolk County Massachusetts | 6 | $ 5,169,000 | $ 861,000 | $ 599,000 |
| San Miguel County Colorado | 5 | $ 9,099,000 | $ 1,819,000 | $ 1,127,000 |
| Nantucket County Massachusetts | 5 | $ 6,780,000 | $ 1,356,000 | $ 2,142,000 |
| Norfolk County Massachusetts | 5 | $ 5,638,000 | $ 1,127,000 | $ 1,243,000 |
| Essex County New Jersey | 5 | $ 4,350,000 | $ 870,000 | $ 300,000 |
| Morris County New Jersey | 5 | $ 4,880,000 | $ 976,000 | $ 1,161,000 |
| Mecklenburg County North Carolina | 5 | $ 3,412,000 | $ 682,000 | $ 430,000 |
| Maricopa County Arizona | 4 | $ 2,426,000 | $ 606,000 | $ 954,000 |
| Contra Costa County California | 4 | $ 4,700,000 | $ 1,175,000 | $ 240,000 |
| Imperial County California | 4 | $ 1,361,000 | $ 340,000 | $ 0 |
| Marin County California | 4 | $ 3,215,000 | $ 803,000 | $ 232,000 |
| Santa Barbara County California | 4 | $ 15,100,000 | $ 3,775,000 | $ 2,825,000 |
| Ventura County California | 4 | $ 5,325,000 | $ 1,331,000 | $ 186,000 |
| Eagle County Colorado | 4 | $ 6,600,000 | $ 1,650,000 | $ 698,000 |
| Pitkin County Colorado | 4 | $ 30,000,000 | $ 7,500,000 | $ 2,499,000 |
| Lee County Florida | 4 | $ 1,972,000 | $ 493,000 | $ 250,000 |
| Cook County Illinois | 4 | $ 4,200,000 | $ 1,050,000 | $ 608,000 |
| Montgomery County Maryland | 4 | $ 2,095,000 | $ 523,000 | $ 72,000 |
| Bergen County New Jersey | 4 | $ 3,630,000 | $ 907,000 | $ 559,000 |
| Mercer County New Jersey | 4 | $ 2,635,000 | $ 658,000 | $ 148,000 |
| Ocean County New Jersey | 4 | $ 5,300,000 | $ 1,325,000 | $ 87,000 |
| Alexandria County Virginia | 4 | $ 1,595,000 | $ 398,000 | $ 0 |
| San Mateo County California | 3 | $ 2,300,000 | $ 766,000 | $ 416,000 |
| Denver County Colorado | 3 | $ 2,177,000 | $ 725,000 | $ 179,000 |
| New Haven County Connecticut | 3 | $ 2,260,000 | $ 753,000 | $ 674,000 |
| Hillsborough County Florida | 3 | $ 1,441,000 | $ 480,000 | $ 169,000 |
| Hawaii County Hawaii | 3 | $ 4,963,000 | $ 1,654,000 | $ 593,000 |
| Kauai County Hawaii | 3 | $ 850,000 | $ 283,000 | $ 0 |
| Barnstable County Massachusetts | 3 | $ 2,760,000 | $ 920,000 | $ 987,000 |
| Plymouth County Massachusetts | 3 | $ 3,098,000 | $ 1,032,000 | $ 925,000 |
| Gallatin County Montana | 3 | $ 7,410,000 | $ 2,470,000 | $ 1,026,000 |
| Camden County New Jersey | 3 | $ 323,000 | $ 107,000 | $ 0 |
| Union County New Jersey | 3 | $ 2,871,000 | $ 957,000 | $ 831,000 |
| Dutchess County New York | 3 | $ 3,005,000 | $ 1,001,000 | $ 380,000 |
| Buncombe County North Carolina | 3 | $ 665,000 | $ 221,000 | $ 128,000 |
| Multnomah County Oregon | 3 | $ 4,325,000 | $ 1,441,000 | $ 3,145,000 |
| Providence County Rhode Island | 3 | $ 3,820,000 | $ 1,273,000 | $ 947,000 |
| Harris County Texas | 3 | $ 2,210,000 | $ 736,000 | $ 209,000 |
| Tarrant County Texas | 3 | $ 740,000 | $ 246,000 | $ 836,000 |
| Teton County Wyoming | 3 | $ 7,900,000 | $ 2,633,000 | $ 1,833,000 |
| Jefferson County Alabama | 2 | $ 533,000 | $ 266,000 | $ 307,000 |
| Alameda County California | 2 | $ 1,495,000 | $ 747,000 | $ 625,000 |
| Monterey County California | 2 | $ 2,000,000 | $ 1,000,000 | $ 120,000 |
| Riverside County California | 2 | $ 4,160,000 | $ 2,080,000 | $ 4,999,000 |
| Santa Clara County California | 2 | $ 1,729,000 | $ 864,000 | $ 283,000 |
| Sonoma County California | 2 | $ 987,000 | $ 493,000 | $ 48,000 |
| New London County Connecticut | 2 | $ 855,000 | $ 427,000 | $ 0 |
| Duval County Florida | 2 | $ 1,265,000 | $ 632,000 | $ 153,000 |
| Martin County Florida | 2 | $ 2,900,000 | $ 1,450,000 | $ 1,100,000 |
| Monroe County Florida | 2 | $ 5,000,000 | $ 2,500,000 | $ 4,370,000 |
| Honolulu County Hawaii | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Howard County Maryland | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Lake of the Woods County Minnesota | 2 | $ 1,464,000 | $ 732,000 | $ 83,000 |
| Rockingham County New Hampshire | 2 | $ 1,250,000 | $ 625,000 | $ 1,148,000 |
| Passaic County New Jersey | 2 | $ 3,676,000 | $ 1,838,000 | $ 1,500,000 |
| Somerset County New Jersey | 2 | $ 3,579,000 | $ 1,789,000 | $ 1,296,000 |
| Santa Fe County New Mexico | 2 | $ 2,600,000 | $ 1,300,000 | $ 1,305,000 |
| Bronx County New York | 2 | $ 1,500,000 | $ 750,000 | $ 0 |
| Carteret County North Carolina | 2 | $ 1,600,000 | $ 800,000 | $ 485,000 |
| Guilford County North Carolina | 2 | $ 4,700,000 | $ 2,350,000 | $ 1,271,000 |
| Macon County North Carolina | 2 | $ 600,000 | $ 300,000 | $ 260,000 |
| Wake County North Carolina | 2 | $ 760,000 | $ 380,000 | $ 78,000 |
| Montgomery County Pennsylvania | 2 | $ 1,600,000 | $ 800,000 | $ 828,000 |
| Aiken County South Carolina | 2 | $ 2,600,000 | $ 1,300,000 | $ 80,000 |
| Beaufort County South Carolina | 2 | $ 5,528,000 | $ 2,764,000 | $ 0 |
| Charleston County South Carolina | 2 | $ 1,880,000 | $ 940,000 | $ 65,000 |
| Arlington County Virginia | 2 | $ 700,000 | $ 350,000 | $ 346,000 |
| King County Washington | 2 | $ 1,597,000 | $ 798,000 | $ 554,000 |
| Pulaski County Arkansas | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Lake County California | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Boulder County Colorado | 1 | $ 614,000 | $ 614,000 | $ 200,000 |
| El Paso County Colorado | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Routt County Colorado | 1 | $ 650,000 | $ 650,000 | $ 275,000 |
| Hartford County Connecticut | 1 | $ 250,000 | $ 250,000 | $ 275,000 |
| Bay County Florida | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Manatee County Florida | 1 | $ 1,403,000 | $ 1,403,000 | $ 297,000 |
| Nassau County Florida | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Orange County Florida | 1 | $ 400,000 | $ 400,000 | $ 191,000 |
| Polk County Florida | 1 | $ 540,000 | $ 540,000 | $ 541,000 |
| Sarasota County Florida | 1 | $ 1,585,000 | $ 1,585,000 | $ 1,384,000 |
| St. Lucie County Florida | 1 | $ 250,000 | $ 250,000 | $ 748,000 |
| Cobb County Georgia | 1 | $ 270,000 | $ 270,000 | $ 100,000 |
| Fulton County Georgia | 1 | $ 800,000 | $ 800,000 | $ 446,000 |
| Blaine County Idaho | 1 | $ 1,350,000 | $ 1,350,000 | $ 1,550,000 |
| Kane County Illinois | 1 | $ 3,500,000 | $ 3,500,000 | $ 0 |
| Lake County Illinois | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 400,000 | $ 400,000 | $ 1,946,000 |
| Hancock County Maine | 1 | $ 250,000 | $ 250,000 | $ 0 |
| York County Maine | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 700,000 | $ 700,000 | $ 385,000 |
| Kent County Maryland | 1 | $ 1,040,000 | $ 1,040,000 | $ 2,721,000 |
| Becker County Minnesota | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Roseau County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 136,000 |
| Washington County Minnesota | 1 | $ 300,000 | $ 300,000 | $ 178,000 |
| St. Louis County Missouri | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Flathead County Montana | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,279,000 |
| Carson City County Nevada | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Washoe County Nevada | 1 | $ 465,000 | $ 465,000 | $ 122,000 |
| Grafton County New Hampshire | 1 | $ 500,000 | $ 500,000 | $ 575,000 |
| Sullivan County New Hampshire | 1 | $ 490,000 | $ 490,000 | $ 544,000 |
| Gloucester County New Jersey | 1 | $ 121,000 | $ 121,000 | $ 1,164,000 |
| Hudson County New Jersey | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Monmouth County New Jersey | 1 | $ 1,000,000 | $ 1,000,000 | $ 4,900,000 |
| Columbia County New York | 1 | $ 400,000 | $ 400,000 | $ 1,743,000 |
| Monroe County New York | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Orange County New York | 1 | $ 1,400,000 | $ 1,400,000 | $ 3,392,000 |
| Alamance County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Currituck County North Carolina | 1 | $ 1,405,000 | $ 1,405,000 | $ 506,000 |
| Moore County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 1,862,000 |
| New Hanover County North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Orange County North Carolina | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 800,000 | $ 800,000 | $ 493,000 |
| Clackamas County Oregon | 1 | $ 409,000 | $ 409,000 | $ 115,000 |
| Washington County Oregon | 1 | $ 1,000,000 | $ 1,000,000 | $ 625,000 |
| Chester County Pennsylvania | 1 | $ 665,000 | $ 665,000 | $ 246,000 |
| Monroe County Pennsylvania | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 1,190,000 | $ 1,190,000 | $ 158,000 |
| Sullivan County Pennsylvania | 1 | $ 784,000 | $ 784,000 | $ 434,000 |
| Newport County Rhode Island | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Washington County Rhode Island | 1 | $ 713,000 | $ 713,000 | $ 701,000 |
| Denton County Texas | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Grayson County Texas | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Henderson County Texas | 1 | $ 1,000,000 | $ 1,000,000 | $ 450,000 |
| Midland County Texas | 1 | $ 172,000 | $ 172,000 | $ 36,000 |
| Smith County Texas | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Summit County Utah | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,780,000 |
| Chittenden County Vermont | 1 | $ 385,000 | $ 385,000 | $ 102,000 |
| Lamoille County Vermont | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Albemarle County Virginia | 1 | $ 4,800,000 | $ 4,800,000 | $ 4,164,000 |
| Loudoun County Virginia | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Orange County Virginia | 1 | $ 1,000,000 | $ 1,000,000 | $ 400,000 |
| Skagit County Washington | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Whatcom County 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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