Century Bank Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Century Bank Fsb 2004 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 | Century Bank Fsb 1680 Fruitville Road Sarasota, FL 34236 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,631 |
| Total Mortgage Loan Application Amount | $329,470,000 |
| Average Mortgage Loan Application Amount | $296,142 |
| Highest Mortgage Loan Application Amount | $5,460,000 |
| Average Applicant Income | $28,904 |
| Highest Applicant Income | $4,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Century Bank Fsb. 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 Century Bank Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Century Bank Fsb'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 Century Bank Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Century Bank Fsb, 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 Century Bank Fsb's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sarasota County Florida | 356 | $ 73,755,000 | $ 207,000 | $ 120,000 |
| Manatee County Florida | 204 | $ 38,468,000 | $ 188,000 | $ 60,000 |
| Lee County Florida | 109 | $ 23,548,000 | $ 216,000 | $ 74,000 |
| Broward County Florida | 103 | $ 21,203,000 | $ 205,000 | $ 117,000 |
| Hillsborough County Florida | 100 | $ 16,638,000 | $ 166,000 | $ 80,000 |
| Pinellas County Florida | 75 | $ 13,878,000 | $ 185,000 | $ 111,000 |
| Charlotte County Florida | 66 | $ 10,388,000 | $ 157,000 | $ 111,000 |
| St. Lucie County Florida | 58 | $ 10,516,000 | $ 181,000 | $ 68,000 |
| Palm Beach County Florida | 53 | $ 19,588,000 | $ 369,000 | $ 93,000 |
| Pasco County Florida | 36 | $ 6,368,000 | $ 176,000 | $ 89,000 |
| Miami-Dade County Florida | 35 | $ 12,398,000 | $ 354,000 | $ 113,000 |
| Hernando County Florida | 34 | $ 5,389,000 | $ 158,000 | $ 84,000 |
| Cuyahoga County Ohio | 30 | $ 3,756,000 | $ 125,000 | $ 0 |
| Collier County Florida | 29 | $ 9,059,000 | $ 312,000 | $ 77,000 |
| Polk County Florida | 24 | $ 2,784,000 | $ 116,000 | $ 82,000 |
| Orange County Florida | 18 | $ 2,499,000 | $ 138,000 | $ 63,000 |
| Marion County Florida | 17 | $ 2,230,000 | $ 131,000 | $ 73,000 |
| Flagler County Florida | 14 | $ 2,669,000 | $ 190,000 | $ 75,000 |
| Cook County Illinois | 11 | $ 3,930,000 | $ 357,000 | $ 0 |
| Hamilton County Ohio | 11 | $ 2,500,000 | $ 227,000 | $ 0 |
| Osceola County Florida | 10 | $ 2,041,000 | $ 204,000 | $ 88,000 |
| Volusia County Florida | 9 | $ 1,454,000 | $ 161,000 | $ 73,000 |
| Alachua County Florida | 8 | $ 1,257,000 | $ 157,000 | $ 36,000 |
| Brevard County Florida | 8 | $ 1,503,000 | $ 187,000 | $ 478,000 |
| Citrus County Florida | 8 | $ 1,245,000 | $ 155,000 | $ 44,000 |
| Duval County Florida | 8 | $ 1,135,000 | $ 141,000 | $ 61,000 |
| Monroe County Florida | 7 | $ 2,060,000 | $ 294,000 | $ 115,000 |
| Summit County Ohio | 7 | $ 363,000 | $ 51,000 | $ 0 |
| Trumbull County Ohio | 7 | $ 781,000 | $ 111,000 | $ 0 |
| Martin County Florida | 6 | $ 1,602,000 | $ 267,000 | $ 102,000 |
| Walton County Florida | 6 | $ 823,000 | $ 137,000 | $ 330,000 |
| Lake County Ohio | 6 | $ 549,000 | $ 91,000 | $ 0 |
| Highlands County Florida | 5 | $ 447,000 | $ 89,000 | $ 80,000 |
| Indian River County Florida | 5 | $ 726,000 | $ 145,000 | $ 83,000 |
| Lake County Florida | 5 | $ 953,000 | $ 190,000 | $ 88,000 |
| Lake County Illinois | 5 | $ 1,960,000 | $ 392,000 | $ 0 |
| Franklin County Ohio | 5 | $ 724,000 | $ 144,000 | $ 0 |
| St. Johns County Florida | 4 | $ 832,000 | $ 208,000 | $ 74,000 |
| Lorain County Ohio | 4 | $ 521,000 | $ 130,000 | $ 0 |
| Mahoning County Ohio | 4 | $ 244,000 | $ 61,000 | $ 0 |
| Escambia County Florida | 3 | $ 155,000 | $ 51,000 | $ 120,000 |
| Gadsden County Florida | 3 | $ 442,000 | $ 147,000 | $ 111,000 |
| Seminole County Florida | 3 | $ 455,000 | $ 151,000 | $ 124,000 |
| DuPage County Illinois | 3 | $ 1,212,000 | $ 404,000 | $ 0 |
| Boone County Kentucky | 3 | $ 450,000 | $ 150,000 | $ 0 |
| Orange County California | 2 | $ 938,000 | $ 469,000 | $ 0 |
| Bay County Florida | 2 | $ 374,000 | $ 187,000 | $ 122,000 |
| Clay County Florida | 2 | $ 126,000 | $ 63,000 | $ 35,000 |
| DeSoto County Florida | 2 | $ 245,000 | $ 122,000 | $ 120,000 |
| Will County Illinois | 2 | $ 711,000 | $ 355,000 | $ 0 |
| Genesee County Michigan | 2 | $ 197,000 | $ 98,000 | $ 0 |
| Oakland County Michigan | 2 | $ 464,000 | $ 232,000 | $ 0 |
| Roscommon County Michigan | 2 | $ 783,000 | $ 391,000 | $ 0 |
| Delaware County Ohio | 2 | $ 443,000 | $ 221,000 | $ 0 |
| Lucas County Ohio | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Stark County Ohio | 2 | $ 362,000 | $ 181,000 | $ 0 |
| Warren County Ohio | 2 | $ 869,000 | $ 434,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Alameda County California | 1 | $ 477,000 | $ 477,000 | $ 0 |
| Sacramento County California | 1 | $ 643,000 | $ 643,000 | $ 0 |
| San Diego County California | 1 | $ 694,000 | $ 694,000 | $ 0 |
| Bradford County Florida | 1 | $ 525,000 | $ 525,000 | $ 143,000 |
| Glades County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Gulf County Florida | 1 | $ 154,000 | $ 154,000 | $ 43,000 |
| Hardee County Florida | 1 | $ 174,000 | $ 174,000 | $ 84,000 |
| Leon County Florida | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Madison County Florida | 1 | $ 180,000 | $ 180,000 | $ 148,000 |
| Nassau County Florida | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Sumter County Florida | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Suwannee County Florida | 1 | $ 41,000 | $ 41,000 | $ 46,000 |
| Fulton County Georgia | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Lake County Indiana | 1 | $ 688,000 | $ 688,000 | $ 0 |
| Porter County Indiana | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Johnson County Kansas | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Kenton County Kentucky | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Cumberland County Maine | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Dukes County Massachusetts | 1 | $ 544,000 | $ 544,000 | $ 172,000 |
| Ingham County Michigan | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Clark County Nevada | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Bronx County New York | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Butler County Ohio | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Fairfield County Ohio | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Geauga County Ohio | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Greene County Ohio | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Licking County Ohio | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Wayne County Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Beaver County Pennsylvania | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 394,000 | $ 394,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Century Bank Fsb in 2004
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 | 1,138 | $233,919,000 | $292,357 | $5,460,000 | $10,214 | $4,000,000 |
| Refinancing | 491 | $95,275,000 | $331,333 | $4,370,000 | $73,833 | $2,028,000 |
| Home Improvement | 2 | $276,000 | $138,000 | $148,000 | $21,000 | $42,000 |
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 | 983 | $202,142,000 | $277,250 | $5,460,000 | $63,750 | $4,000,000 |
| Not applicable | 254 | $51,548,000 | $302,750 | $4,370,000 | $583 | $72,000 |
| Hispanic | 144 | $22,797,000 | $167,500 | $605,000 | $77,500 | $376,000 |
| Not Provided | 120 | $30,891,000 | $307,000 | $3,750,000 | $110,000 | $2,028,000 |
| Black or African American | 88 | $15,669,000 | $107,000 | $1,750,000 | $74,500 | $672,000 |
| Asian | 38 | $5,804,000 | $152,000 | $412,000 | $53,000 | $162,000 |
| American Indian or Alaskan Native | 2 | $300,000 | $150,000 | $164,000 | $87,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $319,000 | $159,000 | $174,000 | $115,000 | $159,000 |
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) | 1,631 | $329,470,000 | $300,411 | $5,460,000 | $28,588 | $4,000,000 |
| 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 | 773 | $149,147,000 | $312,000 | $3,330,000 | $65,333 | $1,766,000 |
| Application Denied By Financial Institution | 389 | $80,650,000 | $183,000 | $3,750,000 | $82,000 | $2,028,000 |
| Loan Purchased By The Institution | 239 | $40,786,000 | $296,583 | $829,000 | $0 | $0 |
| Application Approved But Not Accepted | 159 | $38,590,000 | $305,333 | $5,460,000 | $104,333 | $672,000 |
| Application Withdrawn By Applicant | 71 | $20,297,000 | $162,000 | $4,370,000 | $101,500 | $4,000,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 115 | $22,408,000 | $177,000 | $2,151,000 | $68,000 | $223,000 |
| Credit History | 81 | $15,437,000 | $190,000 | $881,000 | $68,000 | $480,000 |
| Other | 68 | $17,356,000 | $255,000 | $3,750,000 | $145,000 | $2,028,000 |
| Employment History | 38 | $9,817,000 | $258,000 | $1,428,000 | $119,000 | $684,000 |
| Collateral | 33 | $6,471,000 | $196,000 | $825,000 | $89,000 | $285,000 |
| Credit Application Incomplete | 26 | $2,999,000 | $115,000 | $423,000 | $105,000 | $226,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $4,259,000 | $250,000 | $805,000 | $103,000 | $480,000 |
| Unverifiable Information | 11 | $1,903,000 | $173,000 | $272,000 | $58,000 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Century Bank Fsb's 2004 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 Century Bank Fsb'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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