1st National Bank of South Flo Mortgage Lending & HMDA Data, 2011
In 2011, 1st National Bank of South Flo of Homestead, FL reported 156 mortgage applications totaling $30.8 million, down 20% from 2010. The average application was for $197,750, and applicants reported an average income of $85,019. 8% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Tallahassee, FL (92), Miami-Miami Beach-Kendall, FL (29) and San Jose-Sunnyvale-Santa Clara, CA (3) (applications in parentheses).
| Mortgage Company & Address | 1st National Bank of South Flo 1550 North Krome Avenue, Po Drawer 128 Homestead, FL 33030 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 156 |
| Total Mortgage Loan Application Amount | $30,849,000 |
| Average Mortgage Loan Application Amount | $197,750 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $85,019 |
| Highest Applicant Income | $672,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 1st National Bank of South Flo filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tallahassee, FL | 92 | $ 10,425,000 | $ 113,315 | $ 59,000 |
| Miami-Miami Beach-Kendall, FL | 29 | $ 8,603,000 | $ 296,655 | $ 81,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,531,000 | $ 510,333 | $ 166,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 802,000 | $ 401,000 | $ 168,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 966,000 | $ 483,000 | $ 233,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 922,000 | $ 461,000 | $ 147,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 709,000 | $ 354,500 | $ 225,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 651,000 | $ 325,500 | $ 116,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 526,000 | $ 263,000 | $ 372,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 483,000 | $ 483,000 | $ 147,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 460,000 | $ 460,000 | $ 300,000 |
| Charlottesville, VA | 1 | $ 502,000 | $ 502,000 | $ 240,000 |
| Dallas-Plano-Irving, TX | 1 | $ 491,000 | $ 491,000 | $ 233,000 |
| Des Moines-West Des Moines, IA | 1 | $ 131,000 | $ 131,000 | $ 68,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 48,000 | $ 48,000 | $ 22,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 494,000 | $ 494,000 | $ 264,000 |
| Lakeland-Winter Haven, FL | 1 | $ 72,000 | $ 72,000 | $ 71,000 |
| Newark-Union, NJ-PA | 1 | $ 503,000 | $ 503,000 | $ 204,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 501,000 | $ 501,000 | $ 142,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 475,000 | $ 475,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for 1st National Bank of South Flo in 2011
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 | 114 | $21,974,000 | $192,000 | $1,600,000 | $86,000 | $323,000 |
| Home Purchase | 33 | $7,371,000 | $223,000 | $2,400,000 | $92,000 | $672,000 |
| Home Improvement | 9 | $1,504,000 | $167,000 | $1,000,000 | $47,000 | $131,000 |
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 | 118 | $23,178,000 | $196,000 | $2,400,000 | $90,000 | $672,000 |
| Hispanic | 14 | $3,632,000 | $259,000 | $1,600,000 | $60,000 | $312,000 |
| Black or African American | 11 | $1,418,000 | $128,000 | $352,000 | $52,000 | $96,000 |
| Not applicable | 6 | $1,528,000 | $254,000 | $610,000 | $108,000 | $323,000 |
| Asian | 5 | $499,000 | $99,000 | $280,000 | $38,000 | $75,000 |
| American Indian or Alaskan Native | 1 | $134,000 | $134,000 | $134,000 | $102,000 | $102,000 |
| Not Provided | 1 | $460,000 | $460,000 | $460,000 | $300,000 | $300,000 |
| 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) | 156 | $30,849,000 | $197,000 | $2,400,000 | $85,000 | $672,000 |
| 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 Purchased By The Institution | 123 | $22,052,000 | $179,000 | $644,000 | $88,000 | $672,000 |
| Loan Originated | 13 | $1,544,000 | $118,000 | $280,000 | $63,000 | $120,000 |
| Application Denied By Financial Institution | 8 | $1,894,000 | $236,000 | $1,000,000 | $36,000 | $96,000 |
| Application Approved But Not Accepted | 5 | $2,147,000 | $429,000 | $1,600,000 | $112,000 | $312,000 |
| Preapproval Denied by Financial Institution | 3 | $2,484,000 | $828,000 | $2,400,000 | $128,000 | $360,000 |
| Preapproval Approved but not Accepted | 2 | $268,000 | $134,000 | $148,000 | $67,000 | $68,000 |
| Application Withdrawn By Applicant | 2 | $460,000 | $230,000 | $300,000 | $90,000 | $131,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $1,572,000 | $196,000 | $1,000,000 | $34,000 | $96,000 |
| Debt-To-Income Ratio | 2 | $2,770,000 | $1,385,000 | $2,400,000 | $197,000 | $360,000 |
| Other | 1 | $36,000 | $36,000 | $36,000 | $14,000 | $14,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1st National Bank of South Flo's 2011 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 1st National Bank of South Flo'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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with aggregated HMDA statistics today.
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