Englewood Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Englewood Bank & Trust of Englewood, FL reported 124 mortgage applications totaling $24.0 million, down 6% from 2015. The average application was for $193,161, and applicants reported an average income of $107,419. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Punta Gorda, FL (68) and North Port-Sarasota-Bradenton, FL (54).
| 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 | 124 |
| Total Mortgage Loan Application Amount | $23,952,000 |
| Average Mortgage Loan Application Amount | $193,161 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $107,419 |
| Highest Applicant Income | $422,000 |
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(HMDA) records Englewood Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Punta Gorda, FL | 68 | $ 12,566,000 | $ 184,794 | $ 117,000 |
| North Port-Sarasota-Bradenton, FL | 54 | $ 10,877,000 | $ 201,425 | $ 97,000 |
Mortgage Loan Application Detail Totals for Englewood Bank & Trust in 2016
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 | 82 | $19,253,000 | $234,000 | $1,000,000 | $120,000 | $422,000 |
| Refinancing | 30 | $4,273,000 | $142,000 | $340,000 | $78,000 | $202,000 |
| Home Improvement | 12 | $426,000 | $35,000 | $200,000 | $95,000 | $272,000 |
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 | 113 | $20,537,000 | $181,000 | $667,000 | $112,000 | $422,000 |
| Not applicable | 5 | $2,103,000 | $420,000 | $1,000,000 | $0 | $0 |
| Not Provided | 3 | $515,000 | $171,000 | $295,000 | $128,000 | $172,000 |
| Hispanic | 3 | $797,000 | $265,000 | $329,000 | $97,000 | $137,000 |
| Native Hawaiin 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) | 124 | $23,952,000 | $193,000 | $1,000,000 | $107,000 | $422,000 |
| 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 | 95 | $18,297,000 | $192,000 | $1,000,000 | $105,000 | $422,000 |
| Application Denied By Financial Institution | 11 | $1,901,000 | $172,000 | $380,000 | $94,000 | $233,000 |
| Application Withdrawn By Applicant | 8 | $1,638,000 | $204,000 | $417,000 | $154,000 | $412,000 |
| Application Approved But Not Accepted | 8 | $1,737,000 | $217,000 | $383,000 | $123,000 | $167,000 |
| File Closed For Incompleteness | 2 | $379,000 | $189,000 | $295,000 | $33,000 | $43,000 |
| 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 2016 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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