Bayfirst National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Bayfirst National Bank 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bayfirst National Bank 9190 Seminole Blvd Saint Petersburg, FL 33772 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 |
| Total Number of Mortgage Applications | 1,025 |
| Total Mortgage Loan Application Amount | $194,665,000 |
| Average Mortgage Loan Application Amount | $260,200 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $231,200 |
| Highest Applicant Income | $5,724,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Bayfirst National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bayfirst National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Bayfirst National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bayfirst National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Bayfirst National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bayfirst National Bank's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pinellas County Florida | 304 | $ 59,520,000 | $ 195,000 | $ 150,000 |
| Sarasota County Florida | 210 | $ 47,910,000 | $ 228,000 | $ 198,000 |
| Manatee County Florida | 189 | $ 41,755,000 | $ 220,000 | $ 191,000 |
| Hillsborough County Florida | 175 | $ 26,775,000 | $ 153,000 | $ 156,000 |
| Pasco County Florida | 71 | $ 9,075,000 | $ 127,000 | $ 125,000 |
| Hernando County Florida | 13 | $ 1,475,000 | $ 113,000 | $ 105,000 |
| Charlotte County Florida | 11 | $ 1,015,000 | $ 92,000 | $ 92,000 |
| Polk County Florida | 11 | $ 955,000 | $ 86,000 | $ 118,000 |
| Citrus County Florida | 4 | $ 320,000 | $ 80,000 | $ 82,000 |
| Orange County Florida | 4 | $ 820,000 | $ 205,000 | $ 126,000 |
| Lee County Florida | 3 | $ 255,000 | $ 85,000 | $ 68,000 |
| Seminole County Florida | 3 | $ 295,000 | $ 98,000 | $ 62,000 |
| Lake County Florida | 2 | $ 410,000 | $ 205,000 | $ 148,000 |
| Baldwin County Alabama | 1 | $ 305,000 | $ 305,000 | $ 126,000 |
| Maricopa County Arizona | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Bay County Florida | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Broward County Florida | 1 | $ 125,000 | $ 125,000 | $ 155,000 |
| Collier County Florida | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| DeSoto County Florida | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Gilchrist County Florida | 1 | $ 295,000 | $ 295,000 | $ 156,000 |
| Leon County Florida | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Marion County Florida | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Miami-Dade County Florida | 1 | $ 275,000 | $ 275,000 | $ 222,000 |
| St. Lucie County Florida | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Chatham County Georgia | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Cobb County Georgia | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Wicomico County Maryland | 1 | $ 85,000 | $ 85,000 | $ 213,000 |
| Worcester County Maryland | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Suffolk County Massachusetts | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Genesee County Michigan | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Jackson County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Bergen County New Jersey | 1 | $ 605,000 | $ 605,000 | $ 203,000 |
| Northampton County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 387,000 |
| Greenville County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| York County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| McLennan County Texas | 1 | $ 375,000 | $ 375,000 | $ 180,000 |
| Washington County Utah | 1 | $ 365,000 | $ 365,000 | $ 60,000 |
| King County Washington | 1 | $ 35,000 | $ 35,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Bayfirst National Bank in 2023
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 Improvement | 454 | $77,200,000 | $170,000 | $2,005,000 | $161,000 | $2,123,000 |
| Other Purpose | 426 | $64,370,000 | $151,000 | $1,705,000 | $138,000 | $2,394,000 |
| Home Purchase | 76 | $37,210,000 | $489,000 | $5,005,000 | $295,000 | $5,724,000 |
| Refinancing | 60 | $13,480,000 | $224,000 | $1,405,000 | $187,000 | $1,201,000 |
| Cash-out Refinancing | 9 | $2,405,000 | $267,000 | $605,000 | $375,000 | $1,500,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| White | 677 | $132,385,000 | $195,000 | $5,005,000 | $172,000 | $5,724,000 |
| Hispanic | 142 | $20,180,000 | $142,000 | $805,000 | $134,000 | $1,500,000 |
| Not Provided | 134 | $24,320,000 | $181,000 | $1,555,000 | $173,000 | $2,394,000 |
| Black or African American | 34 | $4,250,000 | $125,000 | $615,000 | $119,000 | $433,000 |
| Asian | 17 | $4,245,000 | $249,000 | $855,000 | $143,000 | $375,000 |
| American Indian or Alaskan Native | 9 | $1,755,000 | $195,000 | $505,000 | $152,000 | $356,000 |
| Not applicable | 4 | $6,390,000 | $1,597,000 | $5,005,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $155,000 | $87,000 | $114,000 |
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) | 1,025 | $194,665,000 | $189,000 | $5,005,000 | $164,000 | $5,724,000 |
| 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 | 720 | $131,600,000 | $182,000 | $5,005,000 | $177,000 | $5,724,000 |
| Application Denied By Financial Institution | 223 | $49,585,000 | $222,000 | $2,005,000 | $127,000 | $1,800,000 |
| Application Approved But Not Accepted | 62 | $8,510,000 | $137,000 | $495,000 | $146,000 | $603,000 |
| Application Withdrawn By Applicant | 19 | $4,815,000 | $253,000 | $1,205,000 | $192,000 | $1,500,000 |
| File Closed For Incompleteness | 1 | $155,000 | $155,000 | $155,000 | $155,000 | $155,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 802 | $145,080,000 | $180,000 | $5,005,000 | $175,000 | $5,724,000 |
| Debt-To-Income Ratio | 131 | $28,485,000 | $217,000 | $2,005,000 | $91,000 | $411,000 |
| Other | 48 | $7,780,000 | $162,000 | $1,005,000 | $148,000 | $612,000 |
| Collateral | 18 | $4,550,000 | $252,000 | $755,000 | $216,000 | $907,000 |
| Credit History | 16 | $1,570,000 | $98,000 | $365,000 | $84,000 | $196,000 |
| Unverifiable Information | 6 | $5,550,000 | $925,000 | $1,505,000 | $585,000 | $1,800,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,445,000 | $481,000 | $655,000 | $155,000 | $222,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $62,000 | $62,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bayfirst National Bank's 2023 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 Bayfirst National 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.