Centerstate Bank, National Association Mortgage Lending & HMDA Data, 2018
In 2018, Centerstate Bank, National Association of Winter Haven, FL reported 5,798 mortgage applications totaling $1.1 billion, up 162% from 2017. The average application was for $182,759, and applicants reported an average income of $118,953. 71% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (703), Lakeland-Winter Haven, FL (687) and Orlando-Kissimmee-Sanford, FL (651) (applications in parentheses).
| Mortgage Company & Address | Centerstate Bank, National Association 1101 1st Street South Winter Haven, FL 33880 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,798 |
| Total Mortgage Loan Application Amount | $1,059,640,000 |
| Average Mortgage Loan Application Amount | $182,759 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $118,953 |
| Highest Applicant Income | $7,107,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Centerstate Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 703 | $ 90,805,000 | $ 129,167 | $ 111,000 |
| Lakeland-Winter Haven, FL | 687 | $ 74,375,000 | $ 108,260 | $ 96,000 |
| Orlando-Kissimmee-Sanford, FL | 651 | $ 77,885,000 | $ 119,639 | $ 101,000 |
| Outside any metro area | 441 | $ 90,975,000 | $ 206,292 | $ 117,715 |
| Port St. Lucie, FL | 379 | $ 75,835,000 | $ 200,092 | $ 115,000 |
| Atlanta-Sandy Springs-Roswell, GA | 371 | $ 131,985,000 | $ 355,754 | $ 155,000 |
| North Port-Sarasota-Bradenton, FL | 357 | $ 72,345,000 | $ 202,647 | $ 137,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 330 | $ 34,170,000 | $ 103,545 | $ 78,000 |
| Jacksonville, FL | 239 | $ 54,765,000 | $ 229,142 | $ 153,000 |
| Sebastian-Vero Beach, FL | 229 | $ 50,135,000 | $ 218,930 | $ 138,000 |
| Ocala, FL | 212 | $ 33,790,000 | $ 159,386 | $ 114,000 |
| Miami-Miami Beach-Kendall, FL | 158 | $ 36,540,000 | $ 231,265 | $ 156,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 129 | $ 40,595,000 | $ 314,689 | $ 144,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 97 | $ 40,565,000 | $ 418,195 | $ 196,000 |
| Macon-Bibb County, GA | 81 | $ 22,055,000 | $ 272,283 | $ 164,000 |
| Sebring, FL | 81 | $ 7,365,000 | $ 90,925 | $ 64,000 |
| Palm Bay-Melbourne-Titusville, FL | 75 | $ 17,355,000 | $ 231,400 | $ 152,000 |
| Savannah, GA | 65 | $ 12,985,000 | $ 199,769 | $ 97,000 |
| Cape Coral-Fort Myers, FL | 60 | $ 5,720,000 | $ 95,333 | $ 142,000 |
| Augusta-Richmond County, GA-SC | 54 | $ 10,430,000 | $ 193,148 | $ 76,777 |
| The Villages, FL | 45 | $ 6,475,000 | $ 143,888 | $ 99,000 |
| Punta Gorda, FL | 35 | $ 3,975,000 | $ 113,571 | $ 96,000 |
| Warner Robins, GA | 35 | $ 7,695,000 | $ 219,857 | $ 102,000 |
| Gainesville, FL | 32 | $ 11,260,000 | $ 351,875 | $ 200,000 |
| Rome, GA | 27 | $ 3,345,000 | $ 123,888 | $ 68,000 |
| Dalton, GA | 18 | $ 3,300,000 | $ 183,333 | $ 96,000 |
| Athens-Clarke County, GA | 16 | $ 4,700,000 | $ 293,750 | $ 132,000 |
| Homosassa Springs, FL | 14 | $ 2,160,000 | $ 154,285 | $ 105,000 |
| Auburn-Opelika, AL | 13 | $ 3,015,000 | $ 231,923 | $ 118,000 |
| Albany, GA | 11 | $ 1,395,000 | $ 126,818 | $ 66,000 |
| Greenville-Anderson-Mauldin, SC | 11 | $ 1,475,000 | $ 134,090 | $ 56,000 |
| Brunswick, GA | 8 | $ 1,950,000 | $ 243,750 | $ 136,000 |
| Gainesville, GA | 8 | $ 2,610,000 | $ 326,250 | $ 131,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,070,000 | $ 133,750 | $ 56,000 |
| Valdosta, GA | 8 | $ 1,280,000 | $ 160,000 | $ 85,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 2,945,000 | $ 420,714 | $ 245,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 685,000 | $ 97,857 | $ 68,000 |
| Tallahassee, FL | 7 | $ 845,000 | $ 120,714 | $ 72,000 |
| Hinesville, GA | 6 | $ 1,040,000 | $ 173,333 | $ 66,000 |
| Columbia, SC | 5 | $ 1,065,000 | $ 213,000 | $ 150,000 |
| Greenville, NC | 5 | $ 1,175,000 | $ 235,000 | $ 85,000 |
| New Bern, NC | 5 | $ 685,000 | $ 137,000 | $ 59,000 |
| Charleston-North Charleston, SC | 4 | $ 930,000 | $ 232,500 | $ 309,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 780,000 | $ 195,000 | $ 52,000 |
| Raleigh, NC | 4 | $ 870,000 | $ 217,500 | $ 159,000 |
| Columbus, GA-AL | 3 | $ 655,000 | $ 218,333 | $ 116,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 605,000 | $ 201,666 | $ 232,000 |
| Austin-Round Rock, TX | 2 | $ 680,000 | $ 340,000 | $ 112,000 |
| Birmingham-Hoover, AL | 2 | $ 590,000 | $ 295,000 | $ 178,000 |
| Boston, MA | 2 | $ 750,000 | $ 375,000 | $ 41,000 |
| Goldsboro, NC | 2 | $ 430,000 | $ 215,000 | $ 48,000 |
| Montgomery, AL | 2 | $ 420,000 | $ 210,000 | $ 107,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 540,000 | $ 270,000 | $ 58,000 |
| Panama City, FL | 2 | $ 470,000 | $ 235,000 | $ 189,000 |
| Providence-Warwick, RI-MA | 2 | $ 1,810,000 | $ 905,000 | $ 80,000 |
| Asheville, NC | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Chattanooga, TN-GA | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 175,000 | $ 175,000 | $ 320,000 |
| Evansville, IN-KY | 1 | $ 145,000 | $ 145,000 | $ 88,000 |
| Florence, SC | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Greensboro-High Point, NC | 1 | $ 165,000 | $ 165,000 | $ 316,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Memphis, TN-MS-AR | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Mobile, AL | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Morristown, TN | 1 | $ 105,000 | $ 105,000 | $ 25,000 |
| Nassau County-Suffolk County, NY | 1 | $ 1,085,000 | $ 1,085,000 | $ 4,454,000 |
| New Orleans-Metairie, LA | 1 | $ 305,000 | $ 305,000 | $ 270,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 505,000 | $ 505,000 | $ 48,000 |
| Tuscaloosa, AL | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Centerstate Bank, National Association in 2018
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 | 3,585 | $679,355,000 | $189,000 | $3,005,000 | $110,000 | $2,461,000 |
| Other Purpose | 804 | $98,330,000 | $122,000 | $2,805,000 | $129,000 | $2,614,000 |
| Home Improvement | 544 | $73,310,000 | $134,000 | $15,005,000 | $125,000 | $1,601,000 |
| Refinancing | 464 | $134,860,000 | $290,000 | $8,505,000 | $161,000 | $7,107,000 |
| Cash-out Refinancing | 401 | $73,785,000 | $184,000 | $2,345,000 | $122,000 | $1,358,000 |
| 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 | 4,328 | $730,530,000 | $168,000 | $3,005,000 | $121,000 | $7,107,000 |
| Hispanic | 578 | $79,190,000 | $137,000 | $1,855,000 | $92,000 | $875,000 |
| Not Provided | 277 | $62,255,000 | $224,000 | $1,905,000 | $147,000 | $1,717,000 |
| Black or African American | 259 | $40,655,000 | $156,000 | $1,415,000 | $82,000 | $1,455,000 |
| Asian | 171 | $45,375,000 | $265,000 | $1,835,000 | $167,000 | $2,190,000 |
| Not applicable | 151 | $95,975,000 | $635,000 | $15,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $2,005,000 | $154,000 | $455,000 | $81,000 | $153,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,110,000 | $111,000 | $205,000 | $90,000 | $320,000 |
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) | 5,338 | $970,900,000 | $181,000 | $15,005,000 | $123,000 | $7,107,000 |
| FHA-insured (Federal Housing Administration) | 267 | $47,475,000 | $177,000 | $435,000 | $64,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 130 | $32,510,000 | $250,000 | $1,055,000 | $97,000 | $1,186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $8,755,000 | $138,000 | $265,000 | $54,000 | $84,000 |
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 Originated | 4,117 | $805,125,000 | $195,000 | $15,005,000 | $127,000 | $7,107,000 |
| Application Denied By Financial Institution | 847 | $96,115,000 | $113,000 | $2,245,000 | $75,000 | $1,186,000 |
| Application Withdrawn By Applicant | 562 | $112,950,000 | $200,000 | $8,505,000 | $121,000 | $2,614,000 |
| Application Approved But Not Accepted | 251 | $39,305,000 | $156,000 | $1,855,000 | $115,000 | $1,148,000 |
| File Closed For Incompleteness | 18 | $5,560,000 | $308,000 | $1,835,000 | $347,000 | $2,190,000 |
| Loan Purchased By The Institution | 1 | $305,000 | $305,000 | $305,000 | $111,000 | $111,000 |
| Preapproval Approved but not Accepted | 1 | $165,000 | $165,000 | $165,000 | $112,000 | $112,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $68,000 | $68,000 |
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 | 4,950 | $963,410,000 | $194,000 | $15,005,000 | $127,000 | $7,107,000 |
| Debt-To-Income Ratio | 538 | $54,860,000 | $101,000 | $2,245,000 | $62,000 | $608,000 |
| Credit History | 122 | $9,120,000 | $74,000 | $425,000 | $65,000 | $431,000 |
| Collateral | 95 | $12,525,000 | $131,000 | $1,005,000 | $124,000 | $721,000 |
| Credit Application Incomplete | 40 | $10,140,000 | $253,000 | $1,805,000 | $124,000 | $1,186,000 |
| Other | 19 | $3,095,000 | $162,000 | $765,000 | $89,000 | $422,000 |
| Unverifiable Information | 17 | $2,355,000 | $138,000 | $445,000 | $141,000 | $763,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,125,000 | $284,000 | $1,235,000 | $108,000 | $258,000 |
| Employment History | 6 | $1,010,000 | $168,000 | $285,000 | $63,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centerstate Bank, National Association's 2018 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 Centerstate Bank, National Association'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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