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Act (HMDA) records Urban Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orlando-Kissimmee, FL | 59 | $ 15,676,000 | $ 265,694 | $ 143,000 |
| New York-White Plains-Wayne, NY-NJ | 55 | $ 19,929,000 | $ 362,345 | $ 9,654 |
| Baltimore-Towson, MD | 50 | $ 14,361,000 | $ 287,220 | $ 166,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 22 | $ 8,718,000 | $ 396,272 | $ 28,136 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 6,768,000 | $ 338,400 | $ 53,000 |
| Nassau-Suffolk, NY | 18 | $ 5,247,000 | $ 291,500 | $ 0 |
| Edison-New Brunswick, NJ | 16 | $ 6,398,000 | $ 399,875 | $ 0 |
| Chicago-Naperville-Joliet, IL | 14 | $ 7,080,000 | $ 505,714 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 4,021,000 | $ 335,083 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 5,176,000 | $ 470,545 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 4,433,000 | $ 403,000 | $ 3,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 1,887,000 | $ 188,700 | $ 42,000 |
| Philadelphia, PA | 10 | $ 5,933,000 | $ 593,300 | $ 0 |
| Seattle-Bellevue-Everett, WA | 10 | $ 5,889,000 | $ 588,900 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 9 | $ 4,674,000 | $ 519,333 | $ 8,000 |
| Santa Ana-Anaheim-Irvine, CA | 9 | $ 6,154,000 | $ 683,777 | $ 0 |
| Jacksonville, FL | 8 | $ 2,055,000 | $ 256,875 | $ 51,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,319,000 | $ 331,285 | $ 26,000 |
| Charlotte-Gastonia-Concord, NC-SC | 7 | $ 1,948,000 | $ 278,285 | $ 42,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 2,112,000 | $ 301,714 | $ 11,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 3,334,000 | $ 476,285 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 2,779,000 | $ 397,000 | $ 28,000 |
| Atlanta-Sandy Springs-Marietta, GA | 6 | $ 1,143,000 | $ 190,500 | $ 0 |
| Bradenton-Sarasota-Venice, FL | 6 | $ 3,141,000 | $ 523,500 | $ 6,000 |
| Salt Lake City, UT | 6 | $ 3,635,000 | $ 605,833 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 3,594,000 | $ 599,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 3,012,000 | $ 602,400 | $ 0 |
| Lakeland-Winter Haven, FL | 5 | $ 663,000 | $ 132,600 | $ 10,000 |
| Las Vegas-Paradise, NV | 5 | $ 1,614,000 | $ 322,800 | $ 0 |
| Newark-Union, NJ-PA | 5 | $ 2,050,000 | $ 410,000 | $ 0 |
| Panama City-Lynn Haven, FL | 5 | $ 1,967,000 | $ 393,400 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 5 | $ 1,847,000 | $ 369,400 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 4 | $ 1,292,000 | $ 323,000 | $ 0 |
| Raleigh-Cary, NC | 4 | $ 733,000 | $ 183,250 | $ 0 |
| St. Louis, MO-IL | 4 | $ 764,000 | $ 191,000 | $ 8,000 |
| Tacoma, WA | 4 | $ 2,582,000 | $ 645,500 | $ 0 |
| Boston-Quincy, MA | 3 | $ 1,462,000 | $ 487,333 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 1,049,000 | $ 349,666 | $ 0 |
| Dallas-Plano-Irving, TX | 3 | $ 209,000 | $ 69,666 | $ 0 |
| Denver-Aurora, CO | 3 | $ 2,663,000 | $ 887,666 | $ 0 |
| Gainesville, FL | 3 | $ 440,000 | $ 146,666 | $ 365,000 |
| Kansas City, MO-KS | 3 | $ 1,153,000 | $ 384,333 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 379,000 | $ 126,333 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 498,000 | $ 166,000 | $ 19,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,582,000 | $ 527,333 | $ 0 |
| Portland-South Portland-Biddeford, ME | 3 | $ 1,699,000 | $ 566,333 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 1,280,000 | $ 426,666 | $ 0 |
| Reno-Sparks, NV | 3 | $ 1,211,000 | $ 403,666 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 2,162,000 | $ 720,666 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,136,000 | $ 378,666 | $ 42,000 |
| Akron, OH | 2 | $ 1,004,000 | $ 502,000 | $ 0 |
| Albuquerque, NM | 2 | $ 566,000 | $ 283,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 438,000 | $ 219,000 | $ 0 |
| Athens-Clarke County, GA | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 2 | $ 802,000 | $ 401,000 | $ 0 |
| Barnstable Town, MA | 2 | $ 738,000 | $ 369,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 259,000 | $ 129,500 | $ 0 |
| Boise City-Nampa, ID | 2 | $ 1,040,000 | $ 520,000 | $ 0 |
| Boulder, CO | 2 | $ 1,405,000 | $ 702,500 | $ 0 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 218,000 | $ 109,000 | $ 44,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 973,000 | $ 486,500 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 1,070,000 | $ 535,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 287,000 | $ 143,500 | $ 0 |
| Greenville-Mauldin-Easley, SC | 2 | $ 255,000 | $ 127,500 | $ 15,000 |
| Kingston, NY | 2 | $ 367,000 | $ 183,500 | $ 0 |
| Louisville-Jefferson County, KY-IN | 2 | $ 604,000 | $ 302,000 | $ 0 |
| Naples-Marco Island, FL | 2 | $ 339,000 | $ 169,500 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 413,000 | $ 206,500 | $ 0 |
| Peabody, MA | 2 | $ 1,527,000 | $ 763,500 | $ 0 |
| Port St. Lucie, FL | 2 | $ 471,000 | $ 235,500 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 1,001,000 | $ 500,500 | $ 0 |
| Santa Fe, NM | 2 | $ 980,000 | $ 490,000 | $ 0 |
| Tallahassee, FL | 2 | $ 409,000 | $ 204,500 | $ 34,000 |
| Trenton-Ewing, NJ | 2 | $ 2,535,000 | $ 1,267,500 | $ 0 |
| Anderson, SC | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Asheville, NC | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Camden, NJ | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Charlottesville, VA | 1 | $ 657,000 | $ 657,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 367,000 | $ 367,000 | $ 0 |
| Columbia, SC | 1 | $ 413,000 | $ 413,000 | $ 0 |
| Columbus, OH | 1 | $ 361,000 | $ 361,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Dayton, OH | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Dothan, AL | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Fresno, CA | 1 | $ 306,000 | $ 306,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Jackson, MS | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Janesville, WI | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Joplin, MO | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Lancaster, PA | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Lincoln, NE | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Lynchburg, VA | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Macon, GA | 1 | $ 609,000 | $ 609,000 | $ 0 |
| Madison, WI | 1 | $ 991,000 | $ 991,000 | $ 0 |
| Medford, OR | 1 | $ 508,000 | $ 508,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 621,000 | $ 621,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Mobile, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Ocean City, NJ | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 788,000 | $ 788,000 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 949,000 | $ 949,000 | $ 0 |
| Prescott, AZ | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Reading, PA | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Richmond, VA | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 377,000 | $ 377,000 | $ 0 |
| San Antonio, TX | 1 | $ 572,000 | $ 572,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 572,000 | $ 572,000 | $ 254,000 |
| Sioux City, IA-NE-SD | 1 | $ 72,000 | $ 72,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Springfield, MA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Springfield, MO | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Topeka, KS | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Waco, TX | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Wilmington, NC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 492,000 | $ 492,000 | $ 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About