Englewood Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Englewood Bank & Trust of Englewood, FL reported 90 mortgage applications totaling $26.7 million, down 23% from 2018. The average application was for $297,111, and applicants reported an average income of $178,977. 72% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Punta Gorda, FL (55), North Port-Sarasota-Bradenton, FL (27) and Tampa-St. Petersburg-Clearwater, FL (5) (applications in parentheses).
| Mortgage Company & Address | Englewood Bank & Trust 1111 S. McCall Road Englewood, FL 34223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 90 |
| Total Mortgage Loan Application Amount | $26,740,000 |
| Average Mortgage Loan Application Amount | $297,111 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $178,977 |
| Highest Applicant Income | $3,063,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Englewood Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Englewood Bank & Trust in 2019
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 | 59 | $20,225,000 | $342,000 | $2,155,000 | $227,000 | $3,063,000 |
| Other Purpose | 11 | $2,805,000 | $255,000 | $2,505,000 | $104,000 | $351,000 |
| Cash-out Refinancing | 9 | $1,165,000 | $129,000 | $285,000 | $55,000 | $75,000 |
| Home Improvement | 7 | $605,000 | $86,000 | $405,000 | $124,000 | $441,000 |
| Refinancing | 4 | $1,940,000 | $485,000 | $1,005,000 | $52,000 | $59,000 |
| Not Applicable | 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 | 75 | $21,475,000 | $286,000 | $2,505,000 | $188,000 | $3,063,000 |
| Not applicable | 7 | $3,405,000 | $486,000 | $1,005,000 | $0 | $0 |
| Hispanic | 4 | $590,000 | $147,000 | $425,000 | $72,000 | $112,000 |
| Not Provided | 3 | $945,000 | $315,000 | $605,000 | $97,000 | $135,000 |
| American Indian or Alaskan Native | 1 | $325,000 | $325,000 | $325,000 | $118,000 | $118,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 90 | $26,740,000 | $297,000 | $2,505,000 | $179,000 | $3,063,000 |
| 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 | 65 | $19,435,000 | $299,000 | $2,155,000 | $203,000 | $3,063,000 |
| Application Denied By Financial Institution | 14 | $4,700,000 | $335,000 | $2,505,000 | $72,000 | $351,000 |
| Application Approved But Not Accepted | 8 | $2,160,000 | $270,000 | $485,000 | $203,000 | $1,002,000 |
| Application Withdrawn By Applicant | 3 | $445,000 | $148,000 | $225,000 | $126,000 | $184,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 90 | $26,740,000 | $297,000 | $2,505,000 | $179,000 | $3,063,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Englewood Bank & Trust's 2019 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 Englewood Bank & Trust'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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