Urban Trust Bank Mortgage Lending & HMDA Data, 2010
In 2010, Urban Trust Bank of Lake Mary, FL reported 713 mortgage applications totaling $122.0 million, down 45% from 2009. The average application was for $171,106, and applicants reported an average income of $91,420. 56% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (269), Jacksonville, FL (196) and North Port-Bradenton-Sarasota, FL (66) (applications in parentheses).
| Mortgage Company & Address | Urban Trust Bank 400 Colonial Center Parkway Lake Mary, FL 32746 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 |
| Total Number of Mortgage Applications | 713 |
| Total Mortgage Loan Application Amount | $121,999,000 |
| Average Mortgage Loan Application Amount | $171,106 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $91,420 |
| Highest Applicant Income | $3,454,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Urban Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orange, Florida | 146 | $ 21,671,000 | $ 148,431 | $ 80,000 |
| Duval, Florida | 114 | $ 12,691,000 | $ 111,324 | $ 58,000 |
| Seminole, Florida | 64 | $ 13,142,000 | $ 205,343 | $ 144,000 |
| Clay, Florida | 57 | $ 5,352,000 | $ 93,894 | $ 50,000 |
| Osceola, Florida | 46 | $ 5,408,000 | $ 117,565 | $ 64,000 |
| Sarasota, Florida | 37 | $ 12,999,000 | $ 351,324 | $ 168,000 |
| Volusia, Florida | 34 | $ 6,607,000 | $ 194,323 | $ 119,000 |
| Manatee, Florida | 29 | $ 6,890,000 | $ 237,586 | $ 107,000 |
| Jackson, North Carolina | 28 | $ 4,737,000 | $ 169,178 | $ 61,000 |
| St. Johns, Florida | 24 | $ 5,457,000 | $ 227,375 | $ 114,000 |
| Lake, Florida | 13 | $ 2,052,000 | $ 157,846 | $ 71,000 |
| Polk, Florida | 11 | $ 1,967,000 | $ 178,818 | $ 71,000 |
| Hillsborough, Florida | 8 | $ 2,192,000 | $ 274,000 | $ 44,000 |
| Lee, Florida | 7 | $ 1,123,000 | $ 160,428 | $ 88,000 |
| Brevard, Florida | 5 | $ 598,000 | $ 119,600 | $ 97,000 |
| Marion, Florida | 5 | $ 579,000 | $ 115,800 | $ 42,000 |
| Swain, North Carolina | 5 | $ 1,001,000 | $ 200,200 | $ 80,000 |
| Charlotte, Florida | 4 | $ 667,000 | $ 166,750 | $ 80,000 |
| Pinellas, Florida | 4 | $ 1,734,000 | $ 433,500 | $ 188,000 |
| Broward, Florida | 3 | $ 825,000 | $ 275,000 | $ 157,000 |
| Collier, Florida | 3 | $ 833,000 | $ 277,666 | $ 214,000 |
| Palm Beach, Florida | 3 | $ 559,000 | $ 186,333 | $ 226,000 |
| Monroe, Florida | 2 | $ 414,000 | $ 207,000 | $ 266,000 |
| Suwannee, Florida | 2 | $ 118,000 | $ 59,000 | $ 32,000 |
| Prince George's, Maryland | 2 | $ 452,000 | $ 226,000 | $ 79,000 |
| Columbia, New York | 2 | $ 315,000 | $ 157,500 | $ 93,000 |
| Suffolk, New York | 2 | $ 3,120,000 | $ 1,560,000 | $ 1,206,000 |
| Mecklenburg, North Carolina | 2 | $ 237,000 | $ 118,500 | $ 223,000 |
| Los Angeles, California | 1 | $ 451,000 | $ 451,000 | $ 83,000 |
| Middlesex, Connecticut | 1 | $ 441,000 | $ 441,000 | $ 76,000 |
| Alachua, Florida | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Flagler, Florida | 1 | $ 86,000 | $ 86,000 | $ 53,000 |
| Hernando, Florida | 1 | $ 59,000 | $ 59,000 | $ 27,000 |
| Highlands, Florida | 1 | $ 190,000 | $ 190,000 | $ 92,000 |
| Indian River, Florida | 1 | $ 180,000 | $ 180,000 | $ 84,000 |
| Miami-Dade, Florida | 1 | $ 543,000 | $ 543,000 | $ 170,000 |
| Nassau, Florida | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Pasco, Florida | 1 | $ 183,000 | $ 183,000 | $ 100,000 |
| St. Lucie, Florida | 1 | $ 102,000 | $ 102,000 | $ 196,000 |
| Sumter, Florida | 1 | $ 161,000 | $ 161,000 | $ 110,000 |
| Ware, Georgia | 1 | $ 219,000 | $ 219,000 | $ 64,000 |
| Franklin, Maine | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| Baltimore, Maryland | 1 | $ 97,000 | $ 97,000 | $ 309,000 |
| Calvert, Maryland | 1 | $ 327,000 | $ 327,000 | $ 79,000 |
| Haywood, North Carolina | 1 | $ 236,000 | $ 236,000 | $ 100,000 |
| Macon, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 22,000 |
| Transylvania, North Carolina | 1 | $ 128,000 | $ 128,000 | $ 72,000 |
| Lawrence, Ohio | 1 | $ 94,000 | $ 94,000 | $ 19,000 |
| Washington, Oregon | 1 | $ 393,000 | $ 393,000 | $ 168,000 |
| Sumter, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 15,000 |
| Cumberland, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 135,000 |
| Harris, Texas | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Urban Trust Bank in 2010
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 | 616 | $92,095,000 | $149,000 | $1,500,000 | $77,000 | $700,000 |
| Refinancing | 97 | $29,904,000 | $308,000 | $3,500,000 | $183,000 | $3,454,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 442 | $84,447,000 | $191,000 | $1,560,000 | $105,000 | $3,454,000 |
| Hispanic | 127 | $20,609,000 | $162,000 | $3,500,000 | $78,000 | $1,000,000 |
| Black or African American | 85 | $8,770,000 | $103,000 | $625,000 | $52,000 | $672,000 |
| Not Provided | 38 | $4,237,000 | $111,000 | $625,000 | $70,000 | $550,000 |
| Asian | 20 | $3,630,000 | $181,000 | $544,000 | $91,000 | $497,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $306,000 | $306,000 | $306,000 | $141,000 | $141,000 |
| Not applicable | 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) | 383 | $76,460,000 | $199,000 | $3,500,000 | $123,000 | $3,454,000 |
| FHA-insured (Federal Housing Administration) | 247 | $31,965,000 | $129,000 | $414,000 | $54,000 | $700,000 |
| VA-guaranteed (Veterans Administration) | 55 | $9,885,000 | $179,000 | $362,000 | $72,000 | $251,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,689,000 | $131,000 | $274,000 | $39,000 | $86,000 |
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 | 397 | $64,290,000 | $161,000 | $3,500,000 | $86,000 | $1,000,000 |
| Application Denied By Financial Institution | 171 | $27,649,000 | $161,000 | $1,500,000 | $89,000 | $1,541,000 |
| Application Withdrawn By Applicant | 97 | $17,825,000 | $183,000 | $1,560,000 | $109,000 | $1,206,000 |
| Loan Purchased By The Institution | 17 | $8,094,000 | $476,000 | $1,300,000 | $31,000 | $278,000 |
| File Closed For Incompleteness | 15 | $2,891,000 | $192,000 | $1,040,000 | $282,000 | $3,454,000 |
| Application Approved But Not Accepted | 11 | $928,000 | $84,000 | $170,000 | $46,000 | $121,000 |
| Preapproval Denied by Financial Institution | 5 | $322,000 | $64,000 | $109,000 | $25,000 | $35,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 53 | $8,328,000 | $157,000 | $720,000 | $107,000 | $1,541,000 |
| Debt-To-Income Ratio | 38 | $6,351,000 | $167,000 | $1,500,000 | $67,000 | $391,000 |
| Credit Application Incomplete | 35 | $4,983,000 | $142,000 | $506,000 | $80,000 | $395,000 |
| Collateral | 18 | $2,578,000 | $143,000 | $745,000 | $103,000 | $360,000 |
| Credit History | 16 | $2,169,000 | $135,000 | $306,000 | $48,000 | $141,000 |
| Unverifiable Information | 9 | $2,873,000 | $319,000 | $788,000 | $142,000 | $362,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $110,000 | $22,000 | $54,000 | $25,000 | $51,000 |
| Mortgage Insurance Denied | 1 | $183,000 | $183,000 | $183,000 | $197,000 | $197,000 |
| Employment History | 1 | $396,000 | $396,000 | $396,000 | $180,000 | $180,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Urban Trust Bank's 2010 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 Urban Trust Bank'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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