Cnl Bank Mortgage Lending & HMDA Data, 2008
In 2008, Cnl Bank of Orlando, FL reported 335 mortgage applications totaling $166.6 million, down 36% from 2007. The average application was for $497,170, and applicants reported an average income of $232,597. 48% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Orlando-Kissimmee, FL (115), Bradenton-Sarasota-Venice, FL (77) and Jacksonville, FL (32) (applications in parentheses).
| Mortgage Company & Address | Cnl Bank 450 S. Orange Avenue Orlando, FL 32801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 335 |
| Total Mortgage Loan Application Amount | $166,552,000 |
| Average Mortgage Loan Application Amount | $497,170 |
| Highest Mortgage Loan Application Amount | $7,543,000 |
| Average Applicant Income | $232,597 |
| Highest Applicant Income | $3,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cnl Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orlando-Kissimmee, FL | 115 | $ 46,408,000 | $ 403,547 | $ 151,000 |
| Bradenton-Sarasota-Venice, FL | 77 | $ 35,247,000 | $ 457,753 | $ 209,000 |
| Jacksonville, FL | 32 | $ 19,311,000 | $ 603,468 | $ 309,000 |
| Naples-Marco Island, FL | 21 | $ 8,146,000 | $ 387,904 | $ 134,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 9,140,000 | $ 652,857 | $ 274,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 17,018,000 | $ 1,701,800 | $ 530,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 9,395,000 | $ 939,500 | $ 513,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,363,000 | $ 227,166 | $ 231,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 3,157,000 | $ 631,400 | $ 153,000 |
| Sebastian-Vero Beach, FL | 5 | $ 751,000 | $ 150,200 | $ 1,548,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 3,122,000 | $ 780,500 | $ 619,000 |
| Lakeland-Winter Haven, FL | 3 | $ 895,000 | $ 298,333 | $ 161,000 |
| Gainesville, FL | 1 | $ 240,000 | $ 240,000 | $ 45,000 |
| Palm Coast, FL | 1 | $ 402,000 | $ 402,000 | $ 418,000 |
| Port St. Lucie, FL | 1 | $ 100,000 | $ 100,000 | $ 132,000 |
| Punta Gorda, FL | 1 | $ 696,000 | $ 696,000 | $ 302,000 |
Mortgage Loan Application Detail Totals for Cnl Bank in 2008
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 | 229 | $116,990,000 | $510,000 | $7,543,000 | $240,000 | $1,918,000 |
| Refinancing | 99 | $45,578,000 | $460,000 | $4,000,000 | $203,000 | $3,000,000 |
| Home Improvement | 7 | $3,984,000 | $569,000 | $1,320,000 | $409,000 | $1,639,000 |
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 | 226 | $102,268,000 | $452,000 | $4,000,000 | $215,000 | $3,000,000 |
| Not Provided | 47 | $25,556,000 | $543,000 | $2,239,000 | $225,000 | $1,129,000 |
| Hispanic | 33 | $20,500,000 | $621,000 | $3,700,000 | $463,000 | $1,548,000 |
| Black or African American | 10 | $2,059,000 | $205,000 | $390,000 | $100,000 | $237,000 |
| Not applicable | 10 | $13,626,000 | $1,362,000 | $7,543,000 | $87,000 | $309,000 |
| Asian | 9 | $2,543,000 | $282,000 | $496,000 | $186,000 | $318,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 325 | $164,847,000 | $507,000 | $7,543,000 | $238,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,705,000 | $170,000 | $345,000 | $46,000 | $125,000 |
| 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 | 162 | $67,842,000 | $418,000 | $7,543,000 | $191,000 | $1,129,000 |
| Application Denied By Financial Institution | 59 | $37,463,000 | $634,000 | $4,000,000 | $232,000 | $1,965,000 |
| Application Withdrawn By Applicant | 38 | $15,096,000 | $397,000 | $2,239,000 | $133,000 | $600,000 |
| Application Approved But Not Accepted | 31 | $12,889,000 | $415,000 | $2,599,000 | $494,000 | $3,000,000 |
| File Closed For Incompleteness | 22 | $23,492,000 | $1,067,000 | $4,000,000 | $461,000 | $1,918,000 |
| Preapproval Denied by Financial Institution | 19 | $8,620,000 | $453,000 | $1,500,000 | $125,000 | $500,000 |
| Preapproval Approved but not Accepted | 4 | $1,150,000 | $287,000 | $440,000 | $131,000 | $200,000 |
| Loan Purchased By The 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 | 29 | $18,081,000 | $623,000 | $3,500,000 | $133,000 | $480,000 |
| Unverifiable Information | 17 | $10,735,000 | $631,000 | $1,650,000 | $238,000 | $1,327,000 |
| Credit History | 11 | $2,630,000 | $239,000 | $725,000 | $80,000 | $324,000 |
| Other | 9 | $10,083,000 | $1,120,000 | $4,000,000 | $578,000 | $1,965,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $801,000 | $200,000 | $286,000 | $89,000 | $160,000 |
| Mortgage Insurance Denied | 4 | $1,930,000 | $482,000 | $889,000 | $234,000 | $421,000 |
| Collateral | 4 | $1,823,000 | $455,000 | $1,425,000 | $189,000 | $414,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnl Bank's 2008 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 Cnl Bank'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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