Englewood Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Englewood Bank & Trust of Englewood, FL reported 64 mortgage applications totaling $17.5 million, up 19% from 2004. The average application was for $273,312, and applicants reported an average income of $130,875. 94% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Punta Gorda, FL (39) and Sarasota-Bradenton-Venice, FL (25).
| 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 | 64 |
| Total Mortgage Loan Application Amount | $17,492,000 |
| Average Mortgage Loan Application Amount | $273,312 |
| Highest Mortgage Loan Application Amount | $920,000 |
| Average Applicant Income | $130,875 |
| Highest Applicant Income | $929,000 |
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(HMDA) records Englewood Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Charlotte, Florida | 39 | $ 10,828,000 | $ 277,641 | $ 108,000 |
| Sarasota, Florida | 25 | $ 6,664,000 | $ 266,560 | $ 122,000 |
Mortgage Loan Application Detail Totals for Englewood Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 44 | $15,721,000 | $357,000 | $920,000 | $164,000 | $929,000 |
| Refinancing | 12 | $1,249,000 | $104,000 | $182,000 | $56,000 | $88,000 |
| Home Improvement | 8 | $522,000 | $65,000 | $390,000 | $61,000 | $303,000 |
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 | 56 | $15,518,000 | $277,000 | $920,000 | $92,000 | $929,000 |
| Not Provided | 4 | $310,000 | $77,000 | $220,000 | $90,000 | $177,000 |
| Not applicable | 3 | $1,234,000 | $411,000 | $840,000 | $186,000 | $477,000 |
| Hispanic | 1 | $430,000 | $430,000 | $430,000 | $99,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 64 | $17,492,000 | $273,000 | $920,000 | $112,000 | $929,000 |
| 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 | 60 | $17,078,000 | $284,000 | $920,000 | $139,000 | $929,000 |
| Application Approved But Not Accepted | 2 | $59,000 | $29,000 | $44,000 | $28,000 | $56,000 |
| Application Denied By Financial Institution | 2 | $355,000 | $177,000 | $350,000 | $63,000 | $81,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Englewood Bank & Trust'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 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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