Fidelity Federal Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Fidelity Federal Bank & Trust of West Palm Beach, FL reported 3,985 mortgage applications totaling $793.1 million. The average application was for $199,024, and applicants reported an average income of $92,788. 79% of its applications resulted in an originated loan and 7% were denied. Its largest markets were West Palm Beach-Boca Raton, FL (2,158), Fort Pierce-Port St. Lucie, FL (773) and Melbourne-Titusville-Palm Bay, FL (262) (applications in parentheses).
| Mortgage Company & Address | Fidelity Federal Bank & Trust 205 Datura Street West Palm Beach, FL 33401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,985 |
| Total Mortgage Loan Application Amount | $793,113,000 |
| Average Mortgage Loan Application Amount | $199,024 |
| Highest Mortgage Loan Application Amount | $2,936,000 |
| Average Applicant Income | $92,788 |
| Highest Applicant Income | $6,770,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Federal Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Palm Beach, Florida | 2,158 | $ 410,491,000 | $ 190,218 | $ 76,000 |
| St. Lucie, Florida | 464 | $ 66,361,000 | $ 143,019 | $ 57,000 |
| Martin, Florida | 309 | $ 61,724,000 | $ 199,754 | $ 74,000 |
| Indian River, Florida | 276 | $ 48,837,000 | $ 176,945 | $ 77,000 |
| Brevard, Florida | 262 | $ 52,893,000 | $ 201,881 | $ 79,000 |
| Broward, Florida | 196 | $ 81,206,000 | $ 414,316 | $ 127,000 |
| Collier, Florida | 52 | $ 9,900,000 | $ 190,384 | $ 85,000 |
| Charlotte, Florida | 49 | $ 9,632,000 | $ 196,571 | $ 115,000 |
| Lee, Florida | 43 | $ 8,297,000 | $ 192,953 | $ 111,000 |
| Sarasota, Florida | 36 | $ 5,499,000 | $ 152,750 | $ 115,000 |
| Monroe, Florida | 27 | $ 10,052,000 | $ 372,296 | $ 154,000 |
| Miami-Dade, Florida | 14 | $ 5,251,000 | $ 375,071 | $ 197,000 |
| Hernando, Florida | 8 | $ 1,275,000 | $ 159,375 | $ 70,000 |
| Okeechobee, Florida | 8 | $ 1,706,000 | $ 213,250 | $ 68,000 |
| Orange, Florida | 8 | $ 1,966,000 | $ 245,750 | $ 126,000 |
| St. Johns, Florida | 7 | $ 3,228,000 | $ 461,142 | $ 210,000 |
| Volusia, Florida | 7 | $ 1,270,000 | $ 181,428 | $ 77,000 |
| Flagler, Florida | 6 | $ 2,016,000 | $ 336,000 | $ 178,000 |
| Duval, Florida | 5 | $ 1,070,000 | $ 214,000 | $ 71,000 |
| Manatee, Florida | 5 | $ 872,000 | $ 174,400 | $ 80,000 |
| Marion, Florida | 5 | $ 424,000 | $ 84,800 | $ 37,000 |
| Hillsborough, Florida | 4 | $ 2,650,000 | $ 662,500 | $ 417,000 |
| Lake, Florida | 4 | $ 866,000 | $ 216,500 | $ 68,000 |
| Osceola, Florida | 4 | $ 876,000 | $ 219,000 | $ 84,000 |
| Pinellas, Florida | 4 | $ 699,000 | $ 174,750 | $ 69,000 |
| Seminole, Florida | 4 | $ 1,235,000 | $ 308,750 | $ 103,000 |
| Citrus, Florida | 3 | $ 336,000 | $ 112,000 | $ 67,000 |
| Clay, Florida | 2 | $ 382,000 | $ 191,000 | $ 64,000 |
| Highlands, Florida | 2 | $ 513,000 | $ 256,500 | $ 153,000 |
| Leon, Florida | 2 | $ 268,000 | $ 134,000 | $ 45,000 |
| Polk, Florida | 2 | $ 185,000 | $ 92,500 | $ 72,000 |
| Alachua, Florida | 1 | $ 153,000 | $ 153,000 | $ 166,000 |
| Columbia, Florida | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Escambia, Florida | 1 | $ 170,000 | $ 170,000 | $ 68,000 |
| Hardee, Florida | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Levy, Florida | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Nassau, Florida | 1 | $ 168,000 | $ 168,000 | $ 287,000 |
| Pasco, Florida | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Union, Florida | 1 | $ 122,000 | $ 122,000 | $ 39,000 |
| Graham, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Fidelity Federal Bank & Trust in 2003
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 (one-to-four family) | 2,360 | $553,067,000 | $234,000 | $2,765,000 | $100,000 | $6,770,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 1,429 | $221,284,000 | $137,000 | $2,200,000 | $74,500 | $2,273,000 |
| Home Improvement (one-to-four family) | 169 | $4,707,000 | $27,000 | $126,000 | $56,000 | $229,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 27 | $14,055,000 | $520,000 | $2,936,000 | $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 | 3,098 | $609,325,000 | $158,000 | $2,936,000 | $82,000 | $6,770,000 |
| Hispanic | 237 | $36,378,000 | $153,000 | $1,688,000 | $73,000 | $928,000 |
| Black | 210 | $30,530,000 | $145,000 | $700,000 | $55,000 | $665,000 |
| Information not provided by applicant in mail or telephone application | 205 | $42,917,000 | $209,000 | $1,249,000 | $121,000 | $1,560,000 |
| Not applicable | 120 | $53,354,000 | $444,000 | $2,765,000 | $6,000 | $322,000 |
| Asian or Pacific Islander | 58 | $11,037,000 | $190,000 | $907,000 | $90,000 | $850,000 |
| Other | 40 | $7,124,000 | $178,000 | $840,000 | $87,000 | $327,000 |
| American Indian or Alaskan Native | 17 | $2,448,000 | $144,000 | $257,000 | $91,000 | $228,000 |
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) | 3,985 | $793,113,000 | $159,500 | $2,936,000 | $75,500 | $6,770,000 |
| 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 | 3,136 | $617,220,000 | $158,000 | $2,936,000 | $77,500 | $6,770,000 |
| Application Denied By Financial Institution | 291 | $48,250,000 | $165,000 | $1,570,000 | $58,000 | $455,000 |
| Application Approved But Not Accepted | 267 | $57,174,000 | $214,000 | $1,250,000 | $143,000 | $1,001,000 |
| Application Withdrawn By Applicant | 210 | $52,705,000 | $250,000 | $2,625,000 | $79,000 | $1,560,000 |
| File Closed For Incompleteness | 81 | $17,764,000 | $219,000 | $1,400,000 | $104,000 | $1,062,000 |
| 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 | 148 | $25,714,000 | $173,000 | $1,570,000 | $43,000 | $232,000 |
| Credit History | 90 | $11,249,000 | $124,000 | $800,000 | $59,000 | $233,000 |
| Collateral | 27 | $5,239,000 | $194,000 | $960,000 | $87,000 | $455,000 |
| Other | 10 | $2,351,000 | $235,000 | $987,000 | $82,000 | $280,000 |
| Unverifiable Information | 9 | $1,444,000 | $160,000 | $305,000 | $59,000 | $106,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $788,000 | $262,000 | $308,000 | $106,000 | $132,000 |
| Credit Application Incomplete | 2 | $1,061,000 | $530,000 | $720,000 | $0 | $0 |
| Employment History | 1 | $141,000 | $141,000 | $141,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 1 | $263,000 | $263,000 | $263,000 | $65,000 | $65,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Federal Bank & Trust's 2003 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 Fidelity Federal 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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