1st National Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, 1st National Bank & Trust of Bradenton, FL reported 91 mortgage applications totaling $37.5 million, up 47% from 2004. The average application was for $412,263, and applicants reported an average income of $181,186. 56% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Sarasota-Bradenton-Venice, FL (83), Tampa-St. Petersburg-Clearwater, FL (4) and Punta Gorda, FL (2) (applications in parentheses).
| Mortgage Company & Address | 1st National Bank & Trust 5817 Manatee Avenue W Bradenton, FL 34209 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 91 |
| Total Mortgage Loan Application Amount | $37,516,000 |
| Average Mortgage Loan Application Amount | $412,263 |
| Highest Mortgage Loan Application Amount | $3,850,000 |
| Average Applicant Income | $181,186 |
| Highest Applicant Income | $1,496,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 1st National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sarasota-Bradenton-Venice, FL | 83 | $ 28,119,000 | $ 338,783 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,950,000 | $ 487,500 | $ 243,000 |
| Punta Gorda, FL | 2 | $ 4,503,000 | $ 2,251,500 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 2,676,000 | $ 2,676,000 | $ 1,496,000 |
Mortgage Loan Application Detail Totals for 1st National Bank & Trust in 2005
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 | 61 | $25,276,000 | $414,000 | $3,850,000 | $180,000 | $1,129,000 |
| Refinancing | 27 | $12,103,000 | $448,000 | $3,075,000 | $188,000 | $1,496,000 |
| Home Improvement | 3 | $137,000 | $45,000 | $100,000 | $144,000 | $533,000 |
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 | 58 | $21,715,000 | $374,000 | $3,850,000 | $267,000 | $1,496,000 |
| Not applicable | 21 | $12,286,000 | $585,000 | $3,075,000 | $0 | $0 |
| Not Provided | 9 | $3,182,000 | $353,000 | $640,000 | $224,000 | $1,129,000 |
| Black or African American | 2 | $77,000 | $38,000 | $70,000 | $25,000 | $51,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $256,000 | $256,000 | $256,000 | $286,000 | $286,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 91 | $37,516,000 | $412,000 | $3,850,000 | $180,000 | $1,496,000 |
| 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 | 51 | $26,413,000 | $517,000 | $3,075,000 | $250,000 | $1,496,000 |
| Application Withdrawn By Applicant | 18 | $4,014,000 | $223,000 | $550,000 | $74,000 | $149,000 |
| Application Approved But Not Accepted | 12 | $5,738,000 | $478,000 | $3,850,000 | $170,000 | $754,000 |
| Application Denied By Financial Institution | 10 | $1,351,000 | $135,000 | $302,000 | $105,000 | $348,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $735,000 | $122,000 | $250,000 | $92,000 | $348,000 |
| Other | 2 | $254,000 | $127,000 | $200,000 | $71,000 | $88,000 |
| Collateral | 1 | $60,000 | $60,000 | $60,000 | $236,000 | $236,000 |
| Debt-To-Income Ratio | 1 | $302,000 | $302,000 | $302,000 | $48,000 | $48,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1st National Bank & Trust's 2005 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 & Trust'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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