Urban Trust Bank Mortgage Lending & HMDA Data, 2009
In 2009, Urban Trust Bank of Lake Mary, FL reported 1,306 mortgage applications totaling $431.5 million, up 103% from 2008. The average application was for $330,374, and applicants reported an average income of $30,464. 19% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Orlando-Kissimmee, FL (185), New York-White Plains-Wayne, NY-NJ (49) and Washington-Arlington-Alexandria, DC-VA-MD-WV (42) (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 | 1,306 |
| Total Mortgage Loan Application Amount | $431,469,000 |
| Average Mortgage Loan Application Amount | $330,374 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $30,464 |
| Highest Applicant Income | $4,264,000 |
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Act (HMDA) records Urban Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 185 | $ 41,634,000 | $ 225,048 | $ 130,000 |
| New York-White Plains-Wayne, NY-NJ | 49 | $ 33,283,000 | $ 679,244 | $ 8,428 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 42 | $ 16,566,000 | $ 394,428 | $ 61,619 |
| Tampa-St. Petersburg-Clearwater, FL | 34 | $ 8,649,000 | $ 254,382 | $ 57,000 |
| Nassau-Suffolk, NY | 30 | $ 15,435,000 | $ 514,500 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 28 | $ 10,737,000 | $ 383,464 | $ 15,000 |
| Los Angeles-Long Beach-Glendale, CA | 26 | $ 10,354,000 | $ 398,230 | $ 0 |
| Chicago-Naperville-Joliet, IL | 24 | $ 10,750,000 | $ 447,916 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 22 | $ 2,880,000 | $ 130,909 | $ 55,000 |
| Riverside-San Bernardino-Ontario, CA | 21 | $ 5,265,000 | $ 250,714 | $ 0 |
| Bradenton-Sarasota-Venice, FL | 18 | $ 5,389,000 | $ 299,388 | $ 50,000 |
| Houston-Sugar Land-Baytown, TX | 17 | $ 2,956,000 | $ 173,882 | $ 0 |
| Denver-Aurora-Broomfield, CO | 16 | $ 5,210,000 | $ 325,625 | $ 0 |
| Jacksonville, FL | 16 | $ 5,485,000 | $ 342,812 | $ 43,000 |
| Santa Ana-Anaheim-Irvine, CA | 16 | $ 9,216,000 | $ 576,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 7,594,000 | $ 506,266 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 2,956,000 | $ 211,142 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 3,996,000 | $ 307,384 | $ 0 |
| Las Vegas-Paradise, NV | 12 | $ 5,825,000 | $ 485,416 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 12 | $ 4,021,000 | $ 335,083 | $ 0 |
| Bethesda-Frederick-Rockville, MD | 11 | $ 5,376,000 | $ 488,727 | $ 84,000 |
| Lakeland-Winter Haven, FL | 11 | $ 1,185,000 | $ 107,727 | $ 44,000 |
| Edison-New Brunswick, NJ | 10 | $ 2,718,000 | $ 271,800 | $ 0 |
| Fort Worth-Arlington, TX | 10 | $ 2,364,000 | $ 236,400 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 10 | $ 2,282,000 | $ 228,200 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 10 | $ 3,325,000 | $ 332,500 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 3,980,000 | $ 398,000 | $ 4,000 |
| Boston-Quincy, MA | 9 | $ 2,681,000 | $ 297,888 | $ 20,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 2,967,000 | $ 329,666 | $ 12,000 |
| Newark-Union, NJ-PA | 9 | $ 4,507,000 | $ 500,777 | $ 31,000 |
| Baltimore-Towson, MD | 8 | $ 2,116,000 | $ 264,500 | $ 22,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 4,629,000 | $ 578,625 | $ 0 |
| Cambridge-Newton-Framingham, MA | 8 | $ 3,281,000 | $ 410,125 | $ 18,000 |
| Charlotte-Gastonia-Concord, NC-SC | 8 | $ 2,615,000 | $ 326,875 | $ 0 |
| Dallas-Plano-Irving, TX | 8 | $ 3,821,000 | $ 477,625 | $ 0 |
| Oakland-Fremont-Hayward, CA | 8 | $ 3,751,000 | $ 468,875 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 8 | $ 4,110,000 | $ 513,750 | $ 0 |
| Seattle-Bellevue-Everett, WA | 8 | $ 3,147,000 | $ 393,375 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 7 | $ 2,826,000 | $ 403,714 | $ 0 |
| Indianapolis-Carmel, IN | 7 | $ 2,043,000 | $ 291,857 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 1,596,000 | $ 228,000 | $ 0 |
| Naples-Marco Island, FL | 7 | $ 6,755,000 | $ 965,000 | $ 0 |
| Ocala, FL | 7 | $ 851,000 | $ 121,571 | $ 21,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 3,180,000 | $ 454,285 | $ 0 |
| Savannah, GA | 7 | $ 760,000 | $ 108,571 | $ 42,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 3,878,000 | $ 646,333 | $ 41,000 |
| Columbus, OH | 6 | $ 2,680,000 | $ 446,666 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 4,453,000 | $ 742,166 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 3,727,000 | $ 621,166 | $ 0 |
| Asheville, NC | 5 | $ 708,000 | $ 141,600 | $ 97,000 |
| Baton Rouge, LA | 5 | $ 2,992,000 | $ 598,400 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,213,000 | $ 242,600 | $ 0 |
| New Haven-Milford, CT | 5 | $ 1,730,000 | $ 346,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 484,000 | $ 96,800 | $ 0 |
| Peabody, MA | 5 | $ 1,591,000 | $ 318,200 | $ 0 |
| Philadelphia, PA | 5 | $ 1,017,000 | $ 203,400 | $ 0 |
| Albuquerque, NM | 4 | $ 919,000 | $ 229,750 | $ 0 |
| Honolulu, HI | 4 | $ 1,130,000 | $ 282,500 | $ 0 |
| Kansas City, MO-KS | 4 | $ 425,000 | $ 106,250 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 4 | $ 666,000 | $ 166,500 | $ 0 |
| Oklahoma City, OK | 4 | $ 444,000 | $ 111,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 2,264,000 | $ 566,000 | $ 14,000 |
| Richmond, VA | 4 | $ 4,075,000 | $ 1,018,750 | $ 0 |
| Salt Lake City, UT | 4 | $ 1,078,000 | $ 269,500 | $ 0 |
| Tallahassee, FL | 4 | $ 532,000 | $ 133,000 | $ 9,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 1,666,000 | $ 555,333 | $ 40,000 |
| Austin-Round Rock, TX | 3 | $ 427,000 | $ 142,333 | $ 0 |
| Birmingham-Hoover, AL | 3 | $ 1,503,000 | $ 501,000 | $ 0 |
| Boise City-Nampa, ID | 3 | $ 1,357,000 | $ 452,333 | $ 0 |
| Burlington, NC | 3 | $ 319,000 | $ 106,333 | $ 0 |
| Camden, NJ | 3 | $ 549,000 | $ 183,000 | $ 55,000 |
| Charleston-North Charleston-Summerville, SC | 3 | $ 769,000 | $ 256,333 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 608,000 | $ 202,666 | $ 0 |
| Columbus, GA-AL | 3 | $ 219,000 | $ 73,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 1,136,000 | $ 378,666 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 2,370,000 | $ 790,000 | $ 0 |
| Ocean City, NJ | 3 | $ 1,375,000 | $ 458,333 | $ 0 |
| Palm Coast, FL | 3 | $ 1,809,000 | $ 603,000 | $ 63,000 |
| Port St. Lucie, FL | 3 | $ 443,000 | $ 147,666 | $ 28,000 |
| Prescott, AZ | 3 | $ 1,052,000 | $ 350,666 | $ 0 |
| Punta Gorda, FL | 3 | $ 387,000 | $ 129,000 | $ 27,000 |
| Reno-Sparks, NV | 3 | $ 768,000 | $ 256,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 3 | $ 2,118,000 | $ 706,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 3 | $ 795,000 | $ 265,000 | $ 0 |
| St. George, UT | 3 | $ 1,865,000 | $ 621,666 | $ 0 |
| St. Louis, MO-IL | 3 | $ 382,000 | $ 127,333 | $ 0 |
| Tucson, AZ | 3 | $ 1,804,000 | $ 601,333 | $ 0 |
| Worcester, MA | 3 | $ 1,118,000 | $ 372,666 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 274,000 | $ 137,000 | $ 20,000 |
| Barnstable Town, MA | 2 | $ 1,055,000 | $ 527,500 | $ 0 |
| Buffalo-Niagara Falls, NY | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Charlottesville, VA | 2 | $ 337,000 | $ 168,500 | $ 0 |
| Chico, CA | 2 | $ 218,000 | $ 109,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 341,000 | $ 170,500 | $ 0 |
| Colorado Springs, CO | 2 | $ 1,106,000 | $ 553,000 | $ 0 |
| Corpus Christi, TX | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Dayton, OH | 2 | $ 189,000 | $ 94,500 | $ 0 |
| Des Moines-West Des Moines, IA | 2 | $ 457,000 | $ 228,500 | $ 0 |
| Dover, DE | 2 | $ 213,000 | $ 106,500 | $ 0 |
| Eugene-Springfield, OR | 2 | $ 804,000 | $ 402,000 | $ 0 |
| Fort Wayne, IN | 2 | $ 318,000 | $ 159,000 | $ 0 |
| Fresno, CA | 2 | $ 596,000 | $ 298,000 | $ 0 |
| Gainesville, FL | 2 | $ 43,000 | $ 21,500 | $ 0 |
| Gary, IN | 2 | $ 333,000 | $ 166,500 | $ 0 |
| Grand Junction, CO | 2 | $ 742,000 | $ 371,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 256,000 | $ 128,000 | $ 36,000 |
| Las Cruces, NM | 2 | $ 374,000 | $ 187,000 | $ 0 |
| Logan, UT-ID | 2 | $ 689,000 | $ 344,500 | $ 0 |
| Madison, WI | 2 | $ 1,118,000 | $ 559,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 77,000 | $ 38,500 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 441,000 | $ 220,500 | $ 0 |
| Modesto, CA | 2 | $ 654,000 | $ 327,000 | $ 0 |
| Napa, CA | 2 | $ 655,000 | $ 327,500 | $ 0 |
| Ogden-Clearfield, UT | 2 | $ 846,000 | $ 423,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Raleigh-Cary, NC | 2 | $ 198,000 | $ 99,000 | $ 0 |
| Rochester, NY | 2 | $ 154,000 | $ 77,000 | $ 0 |
| Rockingham County-Strafford County, NH | 2 | $ 286,000 | $ 143,000 | $ 0 |
| Salem, OR | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Salisbury, MD | 2 | $ 589,000 | $ 294,500 | $ 0 |
| San Antonio, TX | 2 | $ 469,000 | $ 234,500 | $ 0 |
| Santa Fe, NM | 2 | $ 1,193,000 | $ 596,500 | $ 0 |
| Tacoma, WA | 2 | $ 991,000 | $ 495,500 | $ 0 |
| Trenton-Ewing, NJ | 2 | $ 1,761,000 | $ 880,500 | $ 0 |
| Tulsa, OK | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 178,000 | $ 89,000 | $ 0 |
| Visalia-Porterville, CA | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Wenatchee-East Wenatchee, WA | 2 | $ 702,000 | $ 351,000 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 442,000 | $ 221,000 | $ 0 |
| Akron, OH | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Anchorage, AK | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Bakersfield, CA | 1 | $ 540,000 | $ 540,000 | $ 0 |
| Bend, OR | 1 | $ 680,000 | $ 680,000 | $ 0 |
| Boulder, CO | 1 | $ 2,569,000 | $ 2,569,000 | $ 0 |
| Bowling Green, KY | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Brunswick, GA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Carson City, NV | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Cheyenne, WY | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Columbia, SC | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Corvallis, OR | 1 | $ 668,000 | $ 668,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Danville, VA | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 116,000 | $ 116,000 | $ 0 |
| El Paso, TX | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Erie, PA | 1 | $ 950,000 | $ 950,000 | $ 0 |
| Flint, MI | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Gainesville, GA | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Green Bay, WI | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Greenville-Mauldin-Easley, SC | 1 | $ 950,000 | $ 950,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Huntsville, AL | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Lake Charles, LA | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Lancaster, PA | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Lawrence, KS | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Longview, WA | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Louisville-Jefferson County, KY-IN | 1 | $ 172,000 | $ 172,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Medford, OR | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Merced, CA | 1 | $ 464,000 | $ 464,000 | $ 0 |
| Montgomery, AL | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Muskegon-Norton Shores, MI | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Pascagoula, MS | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Peoria, IL | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Pittsfield, MA | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 548,000 | $ 548,000 | $ 0 |
| Racine, WI | 1 | $ 583,000 | $ 583,000 | $ 0 |
| Rome, GA | 1 | $ 49,000 | $ 49,000 | $ 0 |
| San Angelo, TX | 1 | $ 316,000 | $ 316,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Spokane, WA | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Springfield, MO | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Stockton, CA | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Syracuse, NY | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Valdosta, GA | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Wichita, KS | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Wilmington, NC | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 100,000 | $ 100,000 | $ 0 |
| York-Hanover, PA | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 103,000 | $ 103,000 | $ 0 |
Mortgage Loan Application Detail Totals for Urban Trust Bank in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 791 | $270,079,000 | $341,000 | $3,000,000 | $21,000 | $4,264,000 |
| Home Purchase | 515 | $161,390,000 | $313,000 | $3,500,000 | $45,000 | $1,668,000 |
| 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 | 962 | $360,290,000 | $374,000 | $3,500,000 | $0 | $0 |
| White | 264 | $55,267,000 | $209,000 | $1,025,000 | $122,000 | $4,264,000 |
| Hispanic | 31 | $5,064,000 | $163,000 | $480,000 | $92,000 | $670,000 |
| Black or African American | 25 | $6,108,000 | $244,000 | $1,414,000 | $105,000 | $485,000 |
| Asian | 15 | $2,464,000 | $164,000 | $417,000 | $80,000 | $208,000 |
| Not Provided | 9 | $2,276,000 | $252,000 | $765,000 | $162,000 | $700,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,184 | $409,749,000 | $346,000 | $3,500,000 | $26,000 | $4,264,000 |
| FHA-insured (Federal Housing Administration) | 91 | $16,880,000 | $185,000 | $652,000 | $76,000 | $656,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,758,000 | $144,000 | $322,000 | $46,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,082,000 | $216,000 | $306,000 | $91,000 | $132,000 |
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 | 962 | $360,290,000 | $374,000 | $3,500,000 | $0 | $0 |
| Loan Originated | 245 | $50,316,000 | $205,000 | $1,414,000 | $124,000 | $4,264,000 |
| Application Withdrawn By Applicant | 50 | $10,615,000 | $212,000 | $1,025,000 | $85,000 | $281,000 |
| Application Denied By Financial Institution | 36 | $6,976,000 | $193,000 | $736,000 | $78,000 | $294,000 |
| Application Approved But Not Accepted | 9 | $1,892,000 | $210,000 | $529,000 | $249,000 | $1,668,000 |
| File Closed For Incompleteness | 4 | $1,380,000 | $345,000 | $750,000 | $162,000 | $242,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 12 | $3,040,000 | $253,000 | $736,000 | $94,000 | $264,000 |
| Debt-To-Income Ratio | 12 | $1,778,000 | $148,000 | $360,000 | $47,000 | $178,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $701,000 | $175,000 | $240,000 | $81,000 | $144,000 |
| Other | 4 | $401,000 | $100,000 | $173,000 | $71,000 | $74,000 |
| Credit Application Incomplete | 2 | $604,000 | $302,000 | $502,000 | $166,000 | $294,000 |
| Credit History | 2 | $452,000 | $226,000 | $360,000 | $89,000 | $148,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Urban Trust Bank's 2009 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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