Englewood Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Englewood Bank & Trust of Englewood, FL reported 41 mortgage applications totaling $10.6 million, up 52% from 2006. The average application was for $258,073, and applicants reported an average income of $146,317. 71% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Punta Gorda, FL (31), Sarasota-Bradenton-Venice, FL (8) and Cape Coral-Fort Myers, FL (1) (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 | 41 |
| Total Mortgage Loan Application Amount | $10,581,000 |
| Average Mortgage Loan Application Amount | $258,073 |
| Highest Mortgage Loan Application Amount | $1,668,000 |
| Average Applicant Income | $146,317 |
| Highest Applicant Income | $724,000 |
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(HMDA) records Englewood Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 31 | $ 7,337,000 | $ 236,677 | $ 152,000 |
| Sarasota, Florida | 8 | $ 1,513,000 | $ 189,125 | $ 73,000 |
| Lee, Florida | 1 | $ 1,668,000 | $ 1,668,000 | $ 724,000 |
| Marion, Florida | 1 | $ 63,000 | $ 63,000 | $ 0 |
Mortgage Loan Application Detail Totals for Englewood Bank & Trust in 2007
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 | 24 | $6,885,000 | $286,000 | $1,668,000 | $191,000 | $724,000 |
| Refinancing | 10 | $3,483,000 | $348,000 | $1,000,000 | $110,000 | $500,000 |
| Home Improvement | 7 | $213,000 | $30,000 | $136,000 | $45,000 | $72,000 |
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 | 36 | $8,789,000 | $244,000 | $1,668,000 | $147,000 | $724,000 |
| Not applicable | 3 | $1,306,000 | $435,000 | $850,000 | $184,000 | $315,000 |
| Not Provided | 1 | $350,000 | $350,000 | $350,000 | $112,000 | $112,000 |
| Black or African American | 1 | $136,000 | $136,000 | $136,000 | $40,000 | $40,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 41 | $10,581,000 | $258,000 | $1,668,000 | $146,000 | $724,000 |
| 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 | 29 | $6,913,000 | $238,000 | $1,668,000 | $167,000 | $724,000 |
| Application Denied By Financial Institution | 5 | $2,130,000 | $426,000 | $1,000,000 | $87,000 | $183,000 |
| Application Withdrawn By Applicant | 3 | $600,000 | $200,000 | $350,000 | $75,000 | $112,000 |
| Application Approved But Not Accepted | 3 | $875,000 | $291,000 | $500,000 | $165,000 | $315,000 |
| File Closed For Incompleteness | 1 | $63,000 | $63,000 | $63,000 | $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 | 3 | $1,865,000 | $621,000 | $1,000,000 | $95,000 | $183,000 |
| Credit History | 2 | $265,000 | $132,000 | $190,000 | $77,000 | $118,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2007 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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