Century Bank FSB Mortgage Lending & HMDA Data, 2006
In 2006, Century Bank FSB of Sarasota, FL reported 1,257 mortgage applications totaling $445.9 million, down 31% from 2005. The average application was for $354,758, and applicants reported an average income of $187,197. 50% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Sarasota-Bradenton-Venice, FL (319), Tampa-St. Petersburg-Clearwater, FL (176) and Cape Coral-Fort Myers, FL (129) (applications in parentheses).
| 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 | 1,257 |
| Total Mortgage Loan Application Amount | $445,931,000 |
| Average Mortgage Loan Application Amount | $354,758 |
| Highest Mortgage Loan Application Amount | $12,500,000 |
| Average Applicant Income | $187,197 |
| Highest Applicant Income | $6,348,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Century Bank FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sarasota, Florida | 189 | $ 58,784,000 | $ 311,026 | $ 150,000 |
| Manatee, Florida | 130 | $ 45,552,000 | $ 350,400 | $ 214,000 |
| Lee, Florida | 129 | $ 31,476,000 | $ 244,000 | $ 158,000 |
| Broward, Florida | 95 | $ 47,893,000 | $ 504,136 | $ 232,000 |
| Hillsborough, Florida | 83 | $ 25,224,000 | $ 303,903 | $ 143,000 |
| Miami-Dade, Florida | 71 | $ 31,223,000 | $ 439,760 | $ 304,000 |
| Pinellas, Florida | 54 | $ 20,392,000 | $ 377,629 | $ 197,000 |
| Charlotte, Florida | 42 | $ 7,418,000 | $ 176,619 | $ 120,000 |
| St. Lucie, Florida | 37 | $ 9,701,000 | $ 262,189 | $ 99,000 |
| Palm Beach, Florida | 35 | $ 47,714,000 | $ 1,363,257 | $ 655,000 |
| Duval, Florida | 28 | $ 7,311,000 | $ 261,107 | $ 122,000 |
| Polk, Florida | 26 | $ 3,513,000 | $ 135,115 | $ 71,000 |
| Brevard, Florida | 25 | $ 6,846,000 | $ 273,840 | $ 106,000 |
| Orange, Florida | 25 | $ 5,089,000 | $ 203,560 | $ 90,000 |
| Collier, Florida | 23 | $ 18,293,000 | $ 795,347 | $ 725,000 |
| Pasco, Florida | 21 | $ 5,292,000 | $ 252,000 | $ 99,000 |
| Hernando, Florida | 18 | $ 2,899,000 | $ 161,055 | $ 58,000 |
| Osceola, Florida | 18 | $ 8,123,000 | $ 451,277 | $ 203,000 |
| Marion, Florida | 17 | $ 3,268,000 | $ 192,235 | $ 97,000 |
| Highlands, Florida | 12 | $ 2,178,000 | $ 181,500 | $ 127,000 |
| Flagler, Florida | 11 | $ 3,321,000 | $ 301,909 | $ 282,000 |
| Volusia, Florida | 11 | $ 2,665,000 | $ 242,272 | $ 75,000 |
| St. Johns, Florida | 10 | $ 3,510,000 | $ 351,000 | $ 186,000 |
| Citrus, Florida | 7 | $ 834,000 | $ 119,142 | $ 177,000 |
| Indian River, Florida | 7 | $ 1,146,000 | $ 163,714 | $ 112,000 |
| Seminole, Florida | 7 | $ 3,195,000 | $ 456,428 | $ 106,000 |
| Leon, Florida | 6 | $ 1,235,000 | $ 205,833 | $ 22,000 |
| Okeechobee, Florida | 6 | $ 927,000 | $ 154,500 | $ 78,000 |
| Cuyahoga, Ohio | 5 | $ 958,000 | $ 191,600 | $ 0 |
| Bay, Florida | 4 | $ 628,000 | $ 157,000 | $ 73,000 |
| Lake, Florida | 4 | $ 1,123,000 | $ 280,750 | $ 60,000 |
| Levy, Florida | 4 | $ 1,269,000 | $ 317,250 | $ 110,000 |
| Summit, Ohio | 4 | $ 338,000 | $ 84,500 | $ 0 |
| DeSoto, Florida | 3 | $ 666,000 | $ 222,000 | $ 197,000 |
| Monroe, Florida | 3 | $ 4,900,000 | $ 1,633,333 | $ 661,000 |
| Kent, Michigan | 3 | $ 318,000 | $ 106,000 | $ 0 |
| Clay, Florida | 2 | $ 337,000 | $ 168,500 | $ 83,000 |
| Hendry, Florida | 2 | $ 260,000 | $ 130,000 | $ 87,000 |
| Martin, Florida | 2 | $ 979,000 | $ 489,500 | $ 194,000 |
| Okaloosa, Florida | 2 | $ 336,000 | $ 168,000 | $ 149,000 |
| Putnam, Florida | 2 | $ 324,000 | $ 162,000 | $ 129,000 |
| Sumter, Florida | 2 | $ 402,000 | $ 201,000 | $ 78,000 |
| Suwannee, Florida | 2 | $ 243,000 | $ 121,500 | $ 84,000 |
| Kenton, Kentucky | 2 | $ 218,000 | $ 109,000 | $ 0 |
| Franklin, Ohio | 2 | $ 401,000 | $ 200,500 | $ 0 |
| Portage, Ohio | 2 | $ 158,000 | $ 79,000 | $ 0 |
| Los Angeles, California | 1 | $ 3,900,000 | $ 3,900,000 | $ 1,680,000 |
| Alachua, Florida | 1 | $ 589,000 | $ 589,000 | $ 190,000 |
| Columbia, Florida | 1 | $ 88,000 | $ 88,000 | $ 28,000 |
| Jackson, Florida | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Santa Rosa, Florida | 1 | $ 67,000 | $ 67,000 | $ 156,000 |
| Walton, Florida | 1 | $ 795,000 | $ 795,000 | $ 192,000 |
| Dawson, Georgia | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Cook, Illinois | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 170,000 | $ 170,000 | $ 59,000 |
| Allegan, Michigan | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Cheboygan, Michigan | 1 | $ 215,000 | $ 215,000 | $ 134,000 |
| Lapeer, Michigan | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Oakland, Michigan | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Tuscola, Michigan | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Wayne, Michigan | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Clark, Nevada | 1 | $ 623,000 | $ 623,000 | $ 398,000 |
| Erie, New York | 1 | $ 70,000 | $ 70,000 | $ 130,000 |
| Niagara, New York | 1 | $ 65,000 | $ 65,000 | $ 182,000 |
| Dare, North Carolina | 1 | $ 502,000 | $ 502,000 | $ 248,000 |
| Haywood, North Carolina | 1 | $ 228,000 | $ 228,000 | $ 110,000 |
| Henderson, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Macon, North Carolina | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Clermont, Ohio | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Lake, Ohio | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lucas, Ohio | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 60,000 | $ 60,000 | $ 81,000 |
| Stark, Ohio | 1 | $ 112,000 | $ 112,000 | $ 0 |
| York, South Carolina | 1 | $ 92,000 | $ 92,000 | $ 49,000 |
| Jefferson, Tennessee | 1 | $ 632,000 | $ 632,000 | $ 463,000 |
| Fairfax, Virginia | 1 | $ 10,000,000 | $ 10,000,000 | $ 2,863,000 |
Mortgage Loan Application Detail Totals for Century Bank FSB 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 | 740 | $216,529,000 | $292,000 | $6,265,000 | $176,000 | $4,120,000 |
| Refinancing | 510 | $218,106,000 | $427,000 | $12,500,000 | $199,000 | $6,348,000 |
| Home Improvement | 7 | $11,296,000 | $1,613,000 | $9,000,000 | $511,000 | $2,700,000 |
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 | 828 | $333,412,000 | $402,000 | $12,500,000 | $217,000 | $6,348,000 |
| Hispanic | 195 | $51,941,000 | $266,000 | $3,200,000 | $144,000 | $2,407,000 |
| Black or African American | 119 | $29,757,000 | $250,000 | $1,610,000 | $107,000 | $696,000 |
| Not Provided | 81 | $22,072,000 | $272,000 | $3,900,000 | $131,000 | $3,324,000 |
| Asian | 25 | $7,193,000 | $287,000 | $1,986,000 | $112,000 | $780,000 |
| American Indian or Alaskan Native | 5 | $791,000 | $158,000 | $300,000 | $98,000 | $172,000 |
| Not applicable | 3 | $457,000 | $152,000 | $318,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $308,000 | $308,000 | $308,000 | $740,000 | $740,000 |
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) | 1,257 | $445,931,000 | $354,000 | $12,500,000 | $187,000 | $6,348,000 |
| 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 | 632 | $232,526,000 | $367,000 | $12,500,000 | $195,000 | $6,348,000 |
| Application Denied By Financial Institution | 372 | $118,912,000 | $319,000 | $10,000,000 | $165,000 | $2,863,000 |
| Application Approved But Not Accepted | 174 | $67,637,000 | $388,000 | $2,800,000 | $232,000 | $5,712,000 |
| Application Withdrawn By Applicant | 48 | $21,933,000 | $456,000 | $6,265,000 | $214,000 | $4,120,000 |
| Loan Purchased By The Institution | 31 | $4,923,000 | $158,000 | $600,000 | $2,000 | $81,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 91 | $26,355,000 | $289,000 | $1,350,000 | $113,000 | $516,000 |
| Other | 87 | $19,929,000 | $229,000 | $2,925,000 | $139,000 | $814,000 |
| Credit History | 87 | $33,840,000 | $388,000 | $10,000,000 | $173,000 | $2,863,000 |
| Collateral | 48 | $17,866,000 | $372,000 | $3,900,000 | $230,000 | $1,680,000 |
| Employment History | 26 | $9,568,000 | $368,000 | $3,200,000 | $141,000 | $816,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $7,644,000 | $477,000 | $1,920,000 | $391,000 | $2,407,000 |
| Unverifiable Information | 12 | $2,408,000 | $200,000 | $335,000 | $183,000 | $600,000 |
| Credit Application Incomplete | 5 | $1,302,000 | $260,000 | $489,000 | $152,000 | $250,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Century Bank FSB'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 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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