Centric Mortgage Mortgage Lending & HMDA Data, 2006
In 2006, Centric Mortgage of Lakeland, FL reported 3,321 mortgage applications totaling $571.4 million, up 4% from 2005. The average application was for $172,061, and applicants reported an average income of $102,315. 50% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Lakeland, FL (802), Orlando-Kissimmee, FL (358) and Tampa-St. Petersburg-Clearwater, FL (283) (applications in parentheses).
| Mortgage Company & Address | Centric Mortgage 4310 S. Florida Ave Lakeland, FL 33813 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,321 |
| Total Mortgage Loan Application Amount | $571,417,000 |
| Average Mortgage Loan Application Amount | $172,061 |
| Highest Mortgage Loan Application Amount | $7,614,000 |
| Average Applicant Income | $102,315 |
| Highest Applicant Income | $2,579,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Centric Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lakeland, FL | 802 | $ 124,125,000 | $ 154,769 | $ 73,000 |
| Orlando-Kissimmee, FL | 358 | $ 70,486,000 | $ 196,888 | $ 99,000 |
| Tampa-St. Petersburg-Clearwater, FL | 283 | $ 46,666,000 | $ 164,897 | $ 106,000 |
| Chicago-Naperville-Joliet, IL | 250 | $ 48,484,000 | $ 193,936 | $ 76,000 |
| Sarasota-Bradenton-Venice, FL | 153 | $ 30,016,000 | $ 196,183 | $ 100,000 |
| Indianapolis-Carmel, IN | 133 | $ 16,435,000 | $ 123,571 | $ 83,000 |
| Palm Bay-Melbourne-Titusville, FL | 103 | $ 14,427,000 | $ 140,067 | $ 129,000 |
| Jacksonville, FL | 74 | $ 12,016,000 | $ 162,378 | $ 87,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 73 | $ 15,252,000 | $ 208,931 | $ 115,000 |
| Port St. Lucie-Fort Pierce, FL | 65 | $ 9,939,000 | $ 152,907 | $ 207,000 |
| Cape Coral-Fort Myers, FL | 60 | $ 14,501,000 | $ 241,683 | $ 168,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 59 | $ 9,086,000 | $ 154,000 | $ 110,000 |
| St. Louis, MO-IL | 51 | $ 5,232,000 | $ 102,588 | $ 51,882 |
| Miami-Miami Beach-Kendall, FL | 48 | $ 11,397,000 | $ 237,437 | $ 131,000 |
| Phoenix-Mesa-Scottsdale, AZ | 47 | $ 17,012,000 | $ 361,957 | $ 124,000 |
| Atlanta-Sandy Springs-Marietta, GA | 33 | $ 5,814,000 | $ 176,181 | $ 125,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 30 | $ 7,361,000 | $ 245,366 | $ 152,000 |
| Punta Gorda, FL | 26 | $ 3,646,000 | $ 140,230 | $ 98,000 |
| Ocala, FL | 24 | $ 2,370,000 | $ 98,750 | $ 108,000 |
| Los Angeles-Long Beach-Glendale, CA | 19 | $ 6,194,000 | $ 326,000 | $ 130,000 |
| Birmingham-Hoover, AL | 18 | $ 3,134,000 | $ 174,111 | $ 77,000 |
| Greenville, SC | 18 | $ 1,759,000 | $ 97,722 | $ 116,000 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 3,714,000 | $ 218,470 | $ 150,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 17 | $ 5,082,000 | $ 298,941 | $ 110,941 |
| Naples-Marco Island, FL | 16 | $ 8,927,000 | $ 557,937 | $ 267,000 |
| Fort Wayne, IN | 15 | $ 1,324,000 | $ 88,266 | $ 177,000 |
| Denver-Aurora, CO | 13 | $ 4,175,000 | $ 321,153 | $ 224,000 |
| Gary, IN | 13 | $ 1,536,000 | $ 118,153 | $ 67,000 |
| Greensboro-High Point, NC | 13 | $ 1,297,000 | $ 99,769 | $ 108,000 |
| Knoxville, TN | 12 | $ 1,360,000 | $ 113,333 | $ 187,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 1,921,000 | $ 160,083 | $ 95,000 |
| Anderson, IN | 11 | $ 1,048,000 | $ 95,272 | $ 48,000 |
| El Paso, TX | 11 | $ 1,803,000 | $ 163,909 | $ 124,000 |
| Kansas City, MO-KS | 11 | $ 1,180,000 | $ 107,272 | $ 149,454 |
| Dothan, AL | 10 | $ 618,000 | $ 61,800 | $ 168,000 |
| Charlotte-Gastonia-Concord, NC-SC | 9 | $ 852,000 | $ 94,666 | $ 137,000 |
| Baltimore-Towson, MD | 8 | $ 1,245,000 | $ 155,625 | $ 98,000 |
| Gulfport-Biloxi, MS | 8 | $ 1,195,000 | $ 149,375 | $ 116,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 2,228,000 | $ 278,500 | $ 158,000 |
| Muncie, IN | 8 | $ 543,000 | $ 67,875 | $ 38,000 |
| San Antonio, TX | 8 | $ 587,000 | $ 73,375 | $ 83,000 |
| Elizabethtown, KY | 7 | $ 1,082,000 | $ 154,571 | $ 132,000 |
| Mobile, AL | 7 | $ 635,000 | $ 90,714 | $ 128,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 7 | $ 845,000 | $ 120,714 | $ 146,000 |
| Bloomington-Normal, IL | 6 | $ 587,000 | $ 97,833 | $ 106,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 1,420,000 | $ 236,666 | $ 210,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 642,000 | $ 107,000 | $ 81,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 874,000 | $ 145,666 | $ 164,000 |
| Panama City-Lynn Haven, FL | 6 | $ 1,011,000 | $ 168,500 | $ 75,000 |
| Sebastian-Vero Beach, FL | 6 | $ 855,000 | $ 142,500 | $ 87,000 |
| Tucson, AZ | 6 | $ 1,354,000 | $ 225,666 | $ 146,000 |
| Austin-Round Rock, TX | 5 | $ 440,000 | $ 88,000 | $ 89,000 |
| Gainesville, FL | 5 | $ 524,000 | $ 104,800 | $ 127,000 |
| Hot Springs, AR | 5 | $ 1,395,000 | $ 279,000 | $ 169,000 |
| Oklahoma City, OK | 5 | $ 506,000 | $ 101,200 | $ 110,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 286,000 | $ 71,500 | $ 45,500 |
| Columbia, SC | 4 | $ 281,000 | $ 70,250 | $ 199,000 |
| Decatur, AL | 4 | $ 316,000 | $ 79,000 | $ 178,000 |
| Lafayette, IN | 4 | $ 410,000 | $ 102,500 | $ 27,000 |
| Las Vegas-Paradise, NV | 4 | $ 555,000 | $ 138,750 | $ 147,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,332,000 | $ 333,000 | $ 358,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,093,000 | $ 273,250 | $ 85,000 |
| Tuscaloosa, AL | 4 | $ 436,000 | $ 109,000 | $ 49,000 |
| Winston-Salem, NC | 4 | $ 594,000 | $ 148,500 | $ 85,000 |
| Bakersfield, CA | 3 | $ 458,000 | $ 152,666 | $ 281,000 |
| Boise City-Nampa, ID | 3 | $ 258,000 | $ 86,000 | $ 88,000 |
| Charleston-North Charleston, SC | 3 | $ 230,000 | $ 76,666 | $ 100,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 353,000 | $ 117,666 | $ 131,000 |
| Dallas-Plano-Irving, TX | 3 | $ 189,000 | $ 63,000 | $ 56,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 2,999,000 | $ 999,666 | $ 486,000 |
| Kokomo, IN | 3 | $ 311,000 | $ 103,666 | $ 82,000 |
| Little Rock-North Little Rock, AR | 3 | $ 294,000 | $ 98,000 | $ 99,000 |
| Nashville-Davidson--Murfreesboro, TN | 3 | $ 526,000 | $ 175,333 | $ 276,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 266,000 | $ 88,666 | $ 140,333 |
| Prescott, AZ | 3 | $ 660,000 | $ 220,000 | $ 210,000 |
| Rockford, IL | 3 | $ 197,000 | $ 65,666 | $ 46,000 |
| Springfield, MO | 3 | $ 1,640,000 | $ 546,666 | $ 378,000 |
| Tallahassee, FL | 3 | $ 429,000 | $ 143,000 | $ 79,000 |
| Wilmington, NC | 3 | $ 463,000 | $ 154,333 | $ 189,000 |
| Anniston-Oxford, AL | 2 | $ 153,000 | $ 76,500 | $ 90,000 |
| Bloomington, IN | 2 | $ 835,000 | $ 417,500 | $ 75,000 |
| Burlington, NC | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| Cumberland, MD-WV | 2 | $ 225,000 | $ 112,500 | $ 60,000 |
| Flagstaff, AZ | 2 | $ 622,000 | $ 311,000 | $ 120,000 |
| Fort Worth-Arlington, TX | 2 | $ 299,000 | $ 149,500 | $ 94,000 |
| Lexington-Fayette, KY | 2 | $ 136,000 | $ 68,000 | $ 130,000 |
| Niles-Benton Harbor, MI | 2 | $ 201,000 | $ 100,500 | $ 31,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 260,000 | $ 130,000 | $ 280,000 |
| Spartanburg, SC | 2 | $ 121,000 | $ 60,500 | $ 43,000 |
| Spokane, WA | 2 | $ 144,000 | $ 72,000 | $ 130,000 |
| Wichita, KS | 2 | $ 212,000 | $ 106,000 | $ 196,000 |
| Winchester, VA-WV | 2 | $ 255,000 | $ 127,500 | $ 131,000 |
| Asheville, NC | 1 | $ 130,000 | $ 130,000 | $ 101,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Chattanooga, TN-GA | 1 | $ 162,000 | $ 162,000 | $ 94,000 |
| Coeur D'Alene, ID | 1 | $ 116,000 | $ 116,000 | $ 111,000 |
| Columbus, OH | 1 | $ 163,000 | $ 163,000 | $ 50,000 |
| Dayton, OH | 1 | $ 315,000 | $ 315,000 | $ 84,000 |
| Dover, DE | 1 | $ 281,000 | $ 281,000 | $ 109,000 |
| Eugene-Springfield, OR | 1 | $ 164,000 | $ 164,000 | $ 80,000 |
| Florence, SC | 1 | $ 249,000 | $ 249,000 | $ 120,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Honolulu, HI | 1 | $ 349,000 | $ 349,000 | $ 107,000 |
| Jackson, TN | 1 | $ 155,000 | $ 155,000 | $ 163,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Lawton, OK | 1 | $ 63,000 | $ 63,000 | $ 72,000 |
| Macon, GA | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
| Memphis, TN-MS-AR | 1 | $ 72,000 | $ 72,000 | $ 55,000 |
| Merced, CA | 1 | $ 400,000 | $ 400,000 | $ 115,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 95,000 | $ 95,000 | $ 121,000 |
| Philadelphia, PA | 1 | $ 400,000 | $ 400,000 | $ 176,000 |
| Raleigh-Cary, NC | 1 | $ 134,000 | $ 134,000 | $ 132,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 181,000 | $ 181,000 | $ 137,000 |
| Salem, OR | 1 | $ 178,000 | $ 178,000 | $ 286,000 |
| Santa Barbara-Santa Maria, CA | 1 | $ 451,000 | $ 451,000 | $ 294,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 187,000 | $ 187,000 | $ 65,000 |
| Tulsa, OK | 1 | $ 185,000 | $ 185,000 | $ 161,000 |
| Vallejo-Fairfield, CA | 1 | $ 218,000 | $ 218,000 | $ 47,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 79,000 | $ 79,000 | $ 49,000 |
| Visalia-Porterville, CA | 1 | $ 400,000 | $ 400,000 | $ 156,000 |
| York-Hanover, PA | 1 | $ 311,000 | $ 311,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Centric Mortgage in 2006
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 | 2,220 | $336,533,000 | $151,000 | $3,273,000 | $99,000 | $1,201,000 |
| Refinancing | 1,101 | $234,884,000 | $213,000 | $7,614,000 | $109,000 | $2,579,000 |
| Home Improvement | 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 | 1,624 | $289,983,000 | $178,000 | $7,614,000 | $115,000 | $2,579,000 |
| Not Provided | 659 | $102,759,000 | $155,000 | $1,800,000 | $93,000 | $1,201,000 |
| Hispanic | 544 | $98,631,000 | $181,000 | $3,273,000 | $79,000 | $1,020,000 |
| Black or African American | 357 | $57,124,000 | $160,000 | $975,000 | $86,000 | $540,000 |
| Asian | 113 | $18,444,000 | $163,000 | $998,000 | $136,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,362,000 | $168,000 | $276,000 | $73,000 | $175,000 |
| American Indian or Alaskan Native | 10 | $2,114,000 | $211,000 | $396,000 | $66,000 | $120,000 |
| 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) | 3,177 | $551,046,000 | $173,000 | $7,614,000 | $104,000 | $2,579,000 |
| FHA-insured (Federal Housing Administration) | 123 | $16,452,000 | $133,000 | $257,000 | $47,000 | $241,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,919,000 | $186,000 | $379,000 | $52,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,649 | $255,302,000 | $154,000 | $1,182,000 | $96,000 | $1,200,000 |
| Application Approved But Not Accepted | 808 | $145,585,000 | $180,000 | $7,614,000 | $106,000 | $2,579,000 |
| Application Denied By Financial Institution | 541 | $117,915,000 | $217,000 | $2,990,000 | $117,000 | $1,547,000 |
| Application Withdrawn By Applicant | 210 | $28,158,000 | $134,000 | $825,000 | $96,000 | $1,200,000 |
| File Closed For Incompleteness | 112 | $24,329,000 | $217,000 | $1,495,000 | $92,000 | $575,000 |
| Loan Purchased By The Institution | 1 | $128,000 | $128,000 | $128,000 | $600,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 21 | $5,394,000 | $256,000 | $651,000 | $157,000 | $780,000 |
| Credit History | 14 | $2,774,000 | $198,000 | $401,000 | $63,000 | $148,000 |
| Collateral | 10 | $1,760,000 | $176,000 | $479,000 | $69,000 | $123,000 |
| Debt-To-Income Ratio | 7 | $964,000 | $137,000 | $254,000 | $64,000 | $137,000 |
| Unverifiable Information | 4 | $928,000 | $232,000 | $388,000 | $122,000 | $165,000 |
| Employment History | 2 | $268,000 | $134,000 | $157,000 | $46,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $128,000 | $128,000 | $128,000 | $73,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centric Mortgage's 2006 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 Centric Mortgage'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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