Citifinancial Mtg Co (Fl, LLC) Mortgage Lending & HMDA Data, 2005
In 2005, Citifinancial Mtg Co (Fl, LLC) of Irving, TX reported 10,441 mortgage applications totaling $1.3 billion, down 25% from 2004. The average application was for $127,044, and applicants reported an average income of $59,298. 19% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (1,961), Orlando, FL (1,526) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (1,112) (applications in parentheses).
| Mortgage Company & Address | Citifinancial Mtg Co (Fl, LLC) 4000 Regent Blvd Irving, TX 75063 |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 10,441 |
| Total Mortgage Loan Application Amount | $1,326,469,000 |
| Average Mortgage Loan Application Amount | $127,044 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $59,298 |
| Highest Applicant Income | $2,436,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citifinancial Mtg Co (Fl, LLC) filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,961 | $ 229,776,000 | $ 117,172 | $ 53,000 |
| Orlando, FL | 1,526 | $ 210,207,000 | $ 137,750 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,112 | $ 168,293,000 | $ 151,342 | $ 68,000 |
| Miami-Miami Beach-Kendall, FL | 993 | $ 134,925,000 | $ 135,876 | $ 63,000 |
| Jacksonville, FL | 951 | $ 110,355,000 | $ 116,041 | $ 61,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 597 | $ 87,129,000 | $ 145,944 | $ 71,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 422 | $ 50,088,000 | $ 118,691 | $ 57,000 |
| Lakeland, FL | 336 | $ 36,496,000 | $ 108,619 | $ 58,000 |
| Sarasota-Bradenton-Venice, FL | 330 | $ 45,932,000 | $ 139,187 | $ 66,000 |
| Palm Bay-Melbourne-Titusville, FL | 321 | $ 36,580,000 | $ 113,956 | $ 48,000 |
| Cape Coral-Fort Myers, FL | 290 | $ 36,780,000 | $ 126,827 | $ 63,000 |
| Pensacola-Ferry Pass-Brent, FL | 221 | $ 21,598,000 | $ 97,728 | $ 45,000 |
| Port St. Lucie-Fort Pierce, FL | 206 | $ 25,748,000 | $ 124,990 | $ 107,000 |
| Ocala, FL | 183 | $ 18,780,000 | $ 102,622 | $ 47,000 |
| Tallahassee, FL | 127 | $ 15,681,000 | $ 123,472 | $ 67,000 |
| Naples-Marco Island, FL | 100 | $ 14,918,000 | $ 149,180 | $ 81,000 |
| Fort Walton Beach-Crestview-Destin, FL | 86 | $ 10,446,000 | $ 121,465 | $ 93,000 |
| Gainesville, FL | 82 | $ 8,816,000 | $ 107,512 | $ 42,000 |
| Punta Gorda, FL | 72 | $ 8,352,000 | $ 116,000 | $ 42,000 |
| Panama City-Lynn Haven, FL | 56 | $ 5,703,000 | $ 101,839 | $ 54,000 |
| Vero Beach, FL | 56 | $ 7,073,000 | $ 126,303 | $ 56,000 |
Mortgage Loan Application Detail Totals for Citifinancial Mtg Co (Fl, LLC) in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 7,752 | $975,421,000 | $125,000 | $1,000,000 | $59,000 | $2,436,000 |
| Home Improvement | 1,699 | $196,810,000 | $115,000 | $646,000 | $62,000 | $1,800,000 |
| Home Purchase | 990 | $154,238,000 | $155,000 | $652,000 | $57,000 | $792,000 |
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 | 3,683 | $468,643,000 | $127,000 | $1,000,000 | $66,000 | $1,920,000 |
| Not applicable | 3,065 | $403,845,000 | $131,000 | $711,000 | $0 | $0 |
| Not Provided | 1,341 | $149,582,000 | $111,000 | $557,000 | $68,000 | $1,020,000 |
| Black or African American | 1,135 | $135,532,000 | $119,000 | $740,000 | $49,000 | $444,000 |
| Hispanic | 1,014 | $140,522,000 | $138,000 | $750,000 | $66,000 | $2,436,000 |
| Asian | 93 | $14,586,000 | $156,000 | $520,000 | $67,000 | $288,000 |
| American Indian or Alaskan Native | 74 | $8,203,000 | $110,000 | $646,000 | $55,000 | $268,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $5,556,000 | $154,000 | $459,000 | $55,000 | $108,000 |
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) | 10,441 | $1,326,469,000 | $127,000 | $1,000,000 | $59,000 | $2,436,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 3,497 | $388,941,000 | $111,000 | $1,000,000 | $65,000 | $2,436,000 |
| Loan Purchased By The Institution | 3,065 | $403,845,000 | $131,000 | $711,000 | $0 | $0 |
| Loan Originated | 1,954 | $271,712,000 | $139,000 | $646,000 | $62,000 | $282,000 |
| File Closed For Incompleteness | 1,784 | $241,534,000 | $135,000 | $825,000 | $57,000 | $852,000 |
| Application Approved But Not Accepted | 141 | $20,437,000 | $144,000 | $528,000 | $63,000 | $378,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 1,832 | $186,871,000 | $102,000 | $1,000,000 | $66,000 | $1,920,000 |
| Credit History | 1,044 | $121,833,000 | $116,000 | $919,000 | $56,000 | $1,020,000 |
| Other | 218 | $30,283,000 | $138,000 | $500,000 | $58,000 | $403,000 |
| Collateral | 164 | $17,465,000 | $106,000 | $652,000 | $102,000 | $2,436,000 |
| Debt-To-Income Ratio | 145 | $18,748,000 | $129,000 | $496,000 | $51,000 | $800,000 |
| Unverifiable Information | 51 | $8,702,000 | $170,000 | $520,000 | $74,000 | $684,000 |
| Employment History | 43 | $5,039,000 | $117,000 | $356,000 | $58,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citifinancial Mtg Co (Fl, LLC)'s 2005 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 Citifinancial Mtg Co (Fl, LLC)'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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