Vista Federal Credit Union Mortgage Lending & HMDA Data, 2007
In 2007, Vista Federal Credit Union of Orlando, FL reported 708 mortgage applications totaling $116.5 million, down 39% from 2006. The average application was for $164,526, and applicants reported an average income of $77,992. 50% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Orlando-Kissimmee, FL (391), Los Angeles-Long Beach-Glendale, CA (87) and Lakeland, FL (86) (applications in parentheses).
| Mortgage Company & Address | Vista Federal Credit Union 13705 International Drive S Orlando, FL 32821 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 708 |
| Total Mortgage Loan Application Amount | $116,485,000 |
| Average Mortgage Loan Application Amount | $164,526 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $77,992 |
| Highest Applicant Income | $375,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vista Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 199 | $ 26,384,000 | $ 132,582 | $ 69,000 |
| Osceola, Florida | 99 | $ 11,464,000 | $ 115,797 | $ 69,000 |
| Los Angeles, California | 87 | $ 23,666,000 | $ 272,022 | $ 119,000 |
| Polk, Florida | 86 | $ 9,266,000 | $ 107,744 | $ 57,000 |
| Lake, Florida | 68 | $ 7,895,000 | $ 116,102 | $ 72,000 |
| Seminole, Florida | 25 | $ 2,799,000 | $ 111,960 | $ 75,000 |
| Orange, California | 6 | $ 2,344,000 | $ 390,666 | $ 183,000 |
| Ventura, California | 6 | $ 2,166,000 | $ 361,000 | $ 109,000 |
| San Bernardino, California | 5 | $ 1,507,000 | $ 301,400 | $ 135,000 |
| San Diego, California | 4 | $ 1,220,000 | $ 305,000 | $ 143,000 |
| Brevard, Florida | 4 | $ 487,000 | $ 121,750 | $ 56,000 |
| Volusia, Florida | 4 | $ 365,000 | $ 91,250 | $ 70,000 |
| Miami-Dade, Florida | 3 | $ 380,000 | $ 126,666 | $ 53,000 |
| Kern, California | 2 | $ 709,000 | $ 354,500 | $ 91,000 |
| Riverside, California | 2 | $ 681,000 | $ 340,500 | $ 130,000 |
| Santa Clara, California | 2 | $ 650,000 | $ 325,000 | $ 102,000 |
| Pinellas, Florida | 2 | $ 81,000 | $ 40,500 | $ 58,000 |
| Barbour, Alabama | 1 | $ 80,000 | $ 80,000 | $ 18,000 |
| San Francisco, California | 1 | $ 565,000 | $ 565,000 | $ 145,000 |
| Tulare, California | 1 | $ 113,000 | $ 113,000 | $ 82,000 |
| Yuba, California | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Hardee, Florida | 1 | $ 167,000 | $ 167,000 | $ 40,000 |
| Indian River, Florida | 1 | $ 30,000 | $ 30,000 | $ 53,000 |
| Marion, Florida | 1 | $ 20,000 | $ 20,000 | $ 70,000 |
| Martin, Florida | 1 | $ 30,000 | $ 30,000 | $ 133,000 |
| Palm Beach, Florida | 1 | $ 20,000 | $ 20,000 | $ 31,000 |
| St. Johns, Florida | 1 | $ 149,000 | $ 149,000 | $ 149,000 |
| Sumter, Florida | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Gwinnett, Georgia | 1 | $ 183,000 | $ 183,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Vista Federal Credit Union in 2007
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 | 401 | $59,685,000 | $148,000 | $1,120,000 | $72,000 | $348,000 |
| Home Purchase | 185 | $47,953,000 | $259,000 | $1,000,000 | $89,000 | $375,000 |
| Home Improvement | 122 | $8,847,000 | $72,000 | $531,000 | $81,000 | $330,000 |
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 | 508 | $85,537,000 | $168,000 | $1,120,000 | $83,000 | $375,000 |
| Hispanic | 143 | $18,619,000 | $130,000 | $610,000 | $65,000 | $201,000 |
| Black or African American | 39 | $7,490,000 | $192,000 | $417,000 | $59,000 | $150,000 |
| Asian | 14 | $3,702,000 | $264,000 | $756,000 | $88,000 | $168,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $960,000 | $480,000 | $616,000 | $155,000 | $228,000 |
| American Indian or Alaskan Native | 1 | $27,000 | $27,000 | $27,000 | $29,000 | $29,000 |
| Not Provided | 1 | $150,000 | $150,000 | $150,000 | $60,000 | $60,000 |
| Not applicable | 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) | 708 | $116,485,000 | $164,000 | $1,120,000 | $78,000 | $375,000 |
| 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 | 357 | $57,407,000 | $160,000 | $925,000 | $80,000 | $375,000 |
| Application Denied By Financial Institution | 142 | $19,484,000 | $137,000 | $790,000 | $69,000 | $334,000 |
| Application Approved But Not Accepted | 97 | $15,179,000 | $156,000 | $1,120,000 | $81,000 | $348,000 |
| Preapproval Approved but not Accepted | 70 | $16,293,000 | $232,000 | $1,000,000 | $79,000 | $326,000 |
| Application Withdrawn By Applicant | 17 | $1,054,000 | $62,000 | $209,000 | $91,000 | $215,000 |
| Preapproval Denied by Financial Institution | 14 | $2,788,000 | $199,000 | $472,000 | $71,000 | $109,000 |
| File Closed For Incompleteness | 11 | $4,280,000 | $389,000 | $660,000 | $103,000 | $270,000 |
| Loan Purchased By The 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 | 81 | $12,145,000 | $149,000 | $790,000 | $63,000 | $334,000 |
| Credit History | 33 | $4,203,000 | $127,000 | $417,000 | $69,000 | $150,000 |
| Collateral | 26 | $3,155,000 | $121,000 | $430,000 | $80,000 | $213,000 |
| Credit Application Incomplete | 5 | $1,162,000 | $232,000 | $315,000 | $79,000 | $210,000 |
| Unverifiable Information | 4 | $375,000 | $93,000 | $250,000 | $80,000 | $164,000 |
| Employment History | 3 | $462,000 | $154,000 | $417,000 | $108,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $345,000 | $172,000 | $219,000 | $41,000 | $48,000 |
| Other | 2 | $425,000 | $212,000 | $330,000 | $120,000 | $140,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vista Federal Credit Union's 2007 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 Vista Federal Credit Union'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