Urban Trust Bank Mortgage Lending & HMDA Data, 2008
In 2008, Urban Trust Bank of Lake Mary, FL reported 642 mortgage applications totaling $235.2 million. The average application was for $366,361, and applicants reported an average income of $35,479. 15% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Orlando-Kissimmee, FL (59), New York-White Plains-Wayne, NY-NJ (55) and Baltimore-Towson, MD (50) (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 | 642 |
| Total Mortgage Loan Application Amount | $235,204,000 |
| Average Mortgage Loan Application Amount | $366,361 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $35,479 |
| Highest Applicant Income | $1,558,000 |
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Act (HMDA) records Urban Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore City, Maryland | 45 | $ 12,130,000 | $ 269,555 | $ 185,000 |
| Orange, Florida | 34 | $ 10,057,000 | $ 295,794 | $ 194,000 |
| Seminole, Florida | 14 | $ 3,360,000 | $ 240,000 | $ 69,000 |
| New York, New York | 12 | $ 4,633,000 | $ 386,083 | $ 0 |
| Los Angeles, California | 11 | $ 4,433,000 | $ 403,000 | $ 3,000 |
| Broward, Florida | 11 | $ 5,176,000 | $ 470,545 | $ 0 |
| Hillsborough, Florida | 11 | $ 3,938,000 | $ 358,000 | $ 81,000 |
| Kings, New York | 11 | $ 3,663,000 | $ 333,000 | $ 0 |
| Nassau, New York | 11 | $ 3,021,000 | $ 274,636 | $ 0 |
| Maricopa, Arizona | 10 | $ 3,610,000 | $ 361,000 | $ 0 |
| Volusia, Florida | 10 | $ 1,887,000 | $ 188,700 | $ 42,000 |
| Prince George's, Maryland | 10 | $ 4,297,000 | $ 429,700 | $ 7,000 |
| Queens, New York | 10 | $ 2,619,000 | $ 261,900 | $ 0 |
| Orange, California | 9 | $ 6,154,000 | $ 683,777 | $ 0 |
| Cook, Illinois | 9 | $ 4,353,000 | $ 483,666 | $ 0 |
| King, Washington | 8 | $ 5,115,000 | $ 639,375 | $ 0 |
| Lee, Florida | 7 | $ 2,319,000 | $ 331,285 | $ 26,000 |
| Miami-Dade, Florida | 7 | $ 2,112,000 | $ 301,714 | $ 11,000 |
| Osceola, Florida | 7 | $ 1,571,000 | $ 224,428 | $ 92,000 |
| Palm Beach, Florida | 7 | $ 2,779,000 | $ 397,000 | $ 28,000 |
| Montgomery, Maryland | 7 | $ 3,587,000 | $ 512,428 | $ 11,000 |
| Suffolk, New York | 7 | $ 2,226,000 | $ 318,000 | $ 0 |
| Mecklenburg, North Carolina | 7 | $ 1,948,000 | $ 278,285 | $ 42,000 |
| Santa Clara, California | 6 | $ 3,594,000 | $ 599,000 | $ 0 |
| Duval, Florida | 6 | $ 1,327,000 | $ 221,166 | $ 68,000 |
| Westchester, New York | 6 | $ 2,331,000 | $ 388,500 | $ 0 |
| Fairfield, Connecticut | 5 | $ 3,012,000 | $ 602,400 | $ 0 |
| Bay, Florida | 5 | $ 1,967,000 | $ 393,400 | $ 0 |
| Pasco, Florida | 5 | $ 709,000 | $ 141,800 | $ 34,000 |
| Polk, Florida | 5 | $ 663,000 | $ 132,600 | $ 10,000 |
| Clark, Nevada | 5 | $ 1,614,000 | $ 322,800 | $ 0 |
| Somerset, New Jersey | 5 | $ 2,277,000 | $ 455,400 | $ 0 |
| Richmond, New York | 5 | $ 1,800,000 | $ 360,000 | $ 0 |
| Fairfax, Virginia | 5 | $ 2,400,000 | $ 480,000 | $ 44,000 |
| Riverside, California | 4 | $ 2,291,000 | $ 572,750 | $ 0 |
| Lake, Florida | 4 | $ 688,000 | $ 172,000 | $ 62,000 |
| Bergen, New Jersey | 4 | $ 3,083,000 | $ 770,750 | $ 0 |
| Monmouth, New Jersey | 4 | $ 2,173,000 | $ 543,250 | $ 0 |
| Ocean, New Jersey | 4 | $ 819,000 | $ 204,750 | $ 0 |
| Horry, South Carolina | 4 | $ 1,292,000 | $ 323,000 | $ 0 |
| Salt Lake, Utah | 4 | $ 1,782,000 | $ 445,500 | $ 0 |
| Pierce, Washington | 4 | $ 2,582,000 | $ 645,500 | $ 0 |
| San Bernardino, California | 3 | $ 1,043,000 | $ 347,666 | $ 0 |
| Alachua, Florida | 3 | $ 440,000 | $ 146,666 | $ 365,000 |
| Manatee, Florida | 3 | $ 414,000 | $ 138,000 | $ 12,000 |
| Pinellas, Florida | 3 | $ 1,903,000 | $ 634,333 | $ 0 |
| Sarasota, Florida | 3 | $ 2,727,000 | $ 909,000 | $ 0 |
| Cumberland, Maine | 3 | $ 1,699,000 | $ 566,333 | $ 0 |
| Anne Arundel, Maryland | 3 | $ 2,068,000 | $ 689,333 | $ 0 |
| Calvert, Maryland | 3 | $ 850,000 | $ 283,333 | $ 113,000 |
| St. Louis, Missouri | 3 | $ 649,000 | $ 216,333 | $ 10,000 |
| Washoe, Nevada | 3 | $ 1,211,000 | $ 403,666 | $ 0 |
| Middlesex, New Jersey | 3 | $ 1,129,000 | $ 376,333 | $ 0 |
| Passaic, New Jersey | 3 | $ 632,000 | $ 210,666 | $ 177,000 |
| Wake, North Carolina | 3 | $ 650,000 | $ 216,666 | $ 0 |
| Bucks, Pennsylvania | 3 | $ 3,116,000 | $ 1,038,666 | $ 0 |
| Chester, Pennsylvania | 3 | $ 1,320,000 | $ 440,000 | $ 0 |
| Philadelphia, Pennsylvania | 3 | $ 1,133,000 | $ 377,666 | $ 0 |
| Baldwin, Alabama | 2 | $ 441,000 | $ 220,500 | $ 34,000 |
| Pinal, Arizona | 2 | $ 411,000 | $ 205,500 | $ 0 |
| Benton, Arkansas | 2 | $ 973,000 | $ 486,500 | $ 0 |
| Pulaski, Arkansas | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Contra Costa, California | 2 | $ 1,121,000 | $ 560,500 | $ 0 |
| San Diego, California | 2 | $ 1,001,000 | $ 500,500 | $ 0 |
| Arapahoe, Colorado | 2 | $ 2,478,000 | $ 1,239,000 | $ 0 |
| Boulder, Colorado | 2 | $ 1,405,000 | $ 702,500 | $ 0 |
| Summit, Colorado | 2 | $ 898,000 | $ 449,000 | $ 0 |
| Collier, Florida | 2 | $ 339,000 | $ 169,500 | $ 0 |
| Leon, Florida | 2 | $ 409,000 | $ 204,500 | $ 34,000 |
| Okaloosa, Florida | 2 | $ 1,070,000 | $ 535,000 | $ 0 |
| St. Johns, Florida | 2 | $ 728,000 | $ 364,000 | $ 0 |
| St. Lucie, Florida | 2 | $ 471,000 | $ 235,500 | $ 0 |
| Clarke, Georgia | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Cobb, Georgia | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Fulton, Georgia | 2 | $ 507,000 | $ 253,500 | $ 0 |
| Ada, Idaho | 2 | $ 1,040,000 | $ 520,000 | $ 0 |
| DuPage, Illinois | 2 | $ 1,617,000 | $ 808,500 | $ 0 |
| McHenry, Illinois | 2 | $ 894,000 | $ 447,000 | $ 0 |
| Orleans, Louisiana | 2 | $ 358,000 | $ 179,000 | $ 29,000 |
| Frederick, Maryland | 2 | $ 1,087,000 | $ 543,500 | $ 0 |
| Barnstable, Massachusetts | 2 | $ 738,000 | $ 369,000 | $ 0 |
| Bristol, Massachusetts | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Essex, Massachusetts | 2 | $ 1,527,000 | $ 763,500 | $ 0 |
| Norfolk, Massachusetts | 2 | $ 1,202,000 | $ 601,000 | $ 0 |
| Atlantic, New Jersey | 2 | $ 802,000 | $ 401,000 | $ 0 |
| Essex, New Jersey | 2 | $ 1,652,000 | $ 826,000 | $ 0 |
| Hudson, New Jersey | 2 | $ 940,000 | $ 470,000 | $ 0 |
| Mercer, New Jersey | 2 | $ 2,535,000 | $ 1,267,500 | $ 0 |
| Santa Fe, New Mexico | 2 | $ 980,000 | $ 490,000 | $ 0 |
| Dutchess, New York | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Ulster, New York | 2 | $ 367,000 | $ 183,500 | $ 0 |
| Hamilton, Ohio | 2 | $ 587,000 | $ 293,500 | $ 0 |
| Northampton, Pennsylvania | 2 | $ 438,000 | $ 219,000 | $ 0 |
| Berkeley, South Carolina | 2 | $ 218,000 | $ 109,000 | $ 44,000 |
| Greenville, South Carolina | 2 | $ 255,000 | $ 127,500 | $ 15,000 |
| Ellis, Texas | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Summit, Utah | 2 | $ 1,853,000 | $ 926,500 | $ 0 |
| Snohomish, Washington | 2 | $ 774,000 | $ 387,000 | $ 0 |
| Franklin, Alabama | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Houston, Alabama | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Mobile, Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Coconino, Arizona | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Saline, Arkansas | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Alameda, California | 1 | $ 461,000 | $ 461,000 | $ 0 |
| El Dorado, California | 1 | $ 612,000 | $ 612,000 | $ 0 |
| Fresno, California | 1 | $ 306,000 | $ 306,000 | $ 0 |
| Placer, California | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Sacramento, California | 1 | $ 250,000 | $ 250,000 | $ 0 |
| San Mateo, California | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Tulare, California | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Douglas, Colorado | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Eagle, Colorado | 1 | $ 590,000 | $ 590,000 | $ 0 |
| Larimer, Colorado | 1 | $ 228,000 | $ 228,000 | $ 0 |
| New Castle, Delaware | 1 | $ 415,000 | $ 415,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Charlotte, Florida | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Citrus, Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Hernando, Florida | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Highlands, Florida | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Indian River, Florida | 1 | $ 572,000 | $ 572,000 | $ 254,000 |
| Sumter, Florida | 1 | $ 64,000 | $ 64,000 | $ 42,000 |
| Bibb, Georgia | 1 | $ 609,000 | $ 609,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Fannin, Georgia | 1 | $ 807,000 | $ 807,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Greene, Georgia | 1 | $ 526,000 | $ 526,000 | $ 0 |
| Jackson, Georgia | 1 | $ 463,000 | $ 463,000 | $ 0 |
| Blaine, Idaho | 1 | $ 352,000 | $ 352,000 | $ 0 |
| Will, Illinois | 1 | $ 216,000 | $ 216,000 | $ 0 |
| St. Joseph, Indiana | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Vanderburgh, Indiana | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Dallas, Iowa | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Dickinson, Iowa | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Woodbury, Iowa | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Johnson, Kansas | 1 | $ 758,000 | $ 758,000 | $ 0 |
| Leavenworth, Kansas | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Shawnee, Kansas | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Oldham, Kentucky | 1 | $ 505,000 | $ 505,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Jefferson, Louisiana | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Livingston, Louisiana | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Hancock, Maine | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Harford, Maryland | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Howard, Maryland | 1 | $ 61,000 | $ 61,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 315,000 | $ 315,000 | $ 145,000 |
| Hampden, Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Berrien, Michigan | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Gladwin, Michigan | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Beltrami, Minnesota | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Carlton, Minnesota | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Hinds, Mississippi | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Itawamba, Mississippi | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Oktibbeha, Mississippi | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Christian, Missouri | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Jackson, Missouri | 1 | $ 254,000 | $ 254,000 | $ 0 |
| Jasper, Missouri | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Jefferson, Missouri | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Shannon, Missouri | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Lancaster, Nebraska | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Sarpy, Nebraska | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Grafton, New Hampshire | 1 | $ 709,000 | $ 709,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Sussex, New Jersey | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Union, New Jersey | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Bernalillo, New Mexico | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Roosevelt, New Mexico | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Clinton, New York | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Columbia, New York | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Orange, New York | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Putnam, New York | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Rockland, New York | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Cherokee, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 254,000 |
| Forsyth, North Carolina | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Johnston, North Carolina | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Macon, North Carolina | 1 | $ 399,000 | $ 399,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Yancey, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Clermont, Ohio | 1 | $ 462,000 | $ 462,000 | $ 0 |
| Delaware, Ohio | 1 | $ 361,000 | $ 361,000 | $ 0 |
| Lorain, Ohio | 1 | $ 367,000 | $ 367,000 | $ 0 |
| Miami, Ohio | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Portage, Ohio | 1 | $ 909,000 | $ 909,000 | $ 0 |
| Summit, Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Williams, Ohio | 1 | $ 720,000 | $ 720,000 | $ 0 |
| Cleveland, Oklahoma | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Garfield, Oklahoma | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Jackson, Oregon | 1 | $ 508,000 | $ 508,000 | $ 0 |
| Lincoln, Oregon | 1 | $ 664,000 | $ 664,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 949,000 | $ 949,000 | $ 0 |
| Berks, Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Monroe, Pennsylvania | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Montgomery, Pennsylvania | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Pike, Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Warren, Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Westmoreland, Pennsylvania | 1 | $ 788,000 | $ 788,000 | $ 0 |
| Bristol, Rhode Island | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Kent, Rhode Island | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Providence, Rhode Island | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Anderson, South Carolina | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Georgetown, South Carolina | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Oconee, South Carolina | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Richland, South Carolina | 1 | $ 413,000 | $ 413,000 | $ 0 |
| Carroll, Tennessee | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Maury, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 621,000 | $ 621,000 | $ 0 |
| Williamson, Tennessee | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Collin, Texas | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Comal, Texas | 1 | $ 572,000 | $ 572,000 | $ 0 |
| Harris, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Johnson, Texas | 1 | $ 84,000 | $ 84,000 | $ 0 |
| McLennan, Texas | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Nueces, Texas | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Polk, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Tarrant, Texas | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Travis, Texas | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Wood, Texas | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Utah, Utah | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Arlington, Virginia | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Campbell, Virginia | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Charlottesville, Virginia | 1 | $ 657,000 | $ 657,000 | $ 0 |
| Henrico, Virginia | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Loudoun, Virginia | 1 | $ 351,000 | $ 351,000 | $ 0 |
| Lunenburg, Virginia | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Stafford, Virginia | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 260,000 | $ 260,000 | $ 76,000 |
| Virginia Beach, Virginia | 1 | $ 721,000 | $ 721,000 | $ 0 |
| Winchester, Virginia | 1 | $ 455,000 | $ 455,000 | $ 0 |
| York, Virginia | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Kitsap, Washington | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Berkeley, West Virginia | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 991,000 | $ 991,000 | $ 0 |
| Rock, Wisconsin | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 450,000 | $ 450,000 | $ 0 |
Mortgage Loan Application Detail Totals for Urban Trust Bank in 2008
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 | 338 | $123,553,000 | $365,000 | $2,000,000 | $53,000 | $1,558,000 |
| Refinancing | 304 | $111,651,000 | $367,000 | $2,200,000 | $16,000 | $806,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 302 | $113,362,000 | $375,000 | $2,200,000 | $0 | $0 |
| White | 252 | $97,034,000 | $385,000 | $2,000,000 | $56,000 | $1,136,000 |
| Black or African American | 51 | $15,137,000 | $296,000 | $1,785,000 | $75,000 | $512,000 |
| Not Provided | 14 | $3,335,000 | $238,000 | $373,000 | $130,000 | $302,000 |
| Hispanic | 13 | $3,514,000 | $270,000 | $675,000 | $176,000 | $1,558,000 |
| Asian | 8 | $2,337,000 | $292,000 | $496,000 | $96,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $485,000 | $242,000 | $360,000 | $90,000 | $180,000 |
| 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) | 616 | $229,958,000 | $373,000 | $2,200,000 | $34,000 | $1,558,000 |
| FHA-insured (Federal Housing Administration) | 22 | $4,520,000 | $205,000 | $390,000 | $73,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $511,000 | $170,000 | $215,000 | $40,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 1 | $215,000 | $215,000 | $215,000 | $85,000 | $85,000 |
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 Purchased By The Institution | 499 | $198,235,000 | $397,000 | $2,200,000 | $0 | $0 |
| Loan Originated | 97 | $25,754,000 | $265,000 | $1,800,000 | $179,000 | $1,558,000 |
| Application Withdrawn By Applicant | 26 | $6,174,000 | $237,000 | $417,000 | $146,000 | $605,000 |
| Application Denied By Financial Institution | 14 | $3,667,000 | $261,000 | $428,000 | $83,000 | $306,000 |
| File Closed For Incompleteness | 5 | $895,000 | $179,000 | $300,000 | $115,000 | $210,000 |
| Application Approved But Not Accepted | 1 | $479,000 | $479,000 | $479,000 | $177,000 | $177,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $1,437,000 | $359,000 | $417,000 | $76,000 | $114,000 |
| Other | 3 | $788,000 | $262,000 | $428,000 | $156,000 | $306,000 |
| Unverifiable Information | 2 | $356,000 | $178,000 | $241,000 | $55,000 | $73,000 |
| Collateral | 2 | $453,000 | $226,000 | $240,000 | $58,000 | $69,000 |
| Credit Application Incomplete | 2 | $321,000 | $160,000 | $182,000 | $24,000 | $49,000 |
| Employment History | 1 | $312,000 | $312,000 | $312,000 | $123,000 | $123,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Urban Trust Bank's 2008 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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