Fidelity Federal Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Fidelity Federal Bank & Trust of West Palm Beach, FL reported 3,290 mortgage applications totaling $932.2 million, about the same as 2004. The average application was for $283,354, and applicants reported an average income of $102,086. 71% of its applications resulted in an originated loan and 7% were denied. Its largest markets were West Palm Beach-Boca Raton-Boynton Beach, FL (1,403), Port St. Lucie-Fort Pierce, FL (781) and Palm Bay-Melbourne-Titusville, FL (225) (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 | 3,290 |
| Total Mortgage Loan Application Amount | $932,235,000 |
| Average Mortgage Loan Application Amount | $283,354 |
| Highest Mortgage Loan Application Amount | $5,600,000 |
| Average Applicant Income | $102,086 |
| Highest Applicant Income | $6,999,000 |
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records Fidelity Federal Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,403 | $ 406,979,000 | $ 290,077 | $ 79,000 |
| St. Lucie, Florida | 618 | $ 131,589,000 | $ 212,927 | $ 69,000 |
| Brevard, Florida | 225 | $ 54,669,000 | $ 242,973 | $ 76,000 |
| Indian River, Florida | 187 | $ 45,266,000 | $ 242,064 | $ 86,000 |
| Martin, Florida | 163 | $ 62,779,000 | $ 385,147 | $ 129,000 |
| Broward, Florida | 155 | $ 90,299,000 | $ 582,574 | $ 134,000 |
| Lee, Florida | 90 | $ 27,865,000 | $ 309,611 | $ 102,000 |
| Collier, Florida | 72 | $ 19,675,000 | $ 273,263 | $ 155,000 |
| Charlotte, Florida | 63 | $ 14,891,000 | $ 236,365 | $ 89,000 |
| Sarasota, Florida | 35 | $ 9,541,000 | $ 272,600 | $ 230,000 |
| Okeechobee, Florida | 14 | $ 2,492,000 | $ 178,000 | $ 83,000 |
| Miami-Dade, Florida | 12 | $ 5,027,000 | $ 418,916 | $ 256,000 |
| Marion, Florida | 10 | $ 1,556,000 | $ 155,600 | $ 69,000 |
| Polk, Florida | 10 | $ 1,251,000 | $ 125,100 | $ 37,000 |
| Putnam, Florida | 9 | $ 1,534,000 | $ 170,444 | $ 63,000 |
| Orange, Florida | 7 | $ 1,382,000 | $ 197,428 | $ 39,000 |
| Duval, Florida | 6 | $ 1,326,000 | $ 221,000 | $ 106,000 |
| Monroe, Florida | 6 | $ 3,927,000 | $ 654,500 | $ 176,000 |
| Volusia, Florida | 6 | $ 1,234,000 | $ 205,666 | $ 257,000 |
| Highlands, Florida | 5 | $ 541,000 | $ 108,200 | $ 34,000 |
| Alachua, Florida | 4 | $ 577,000 | $ 144,250 | $ 141,000 |
| Lake, Florida | 4 | $ 987,000 | $ 246,750 | $ 46,000 |
| Osceola, Florida | 4 | $ 744,000 | $ 186,000 | $ 64,000 |
| Pinellas, Florida | 4 | $ 3,172,000 | $ 793,000 | $ 209,000 |
| Walton, Florida | 4 | $ 863,000 | $ 215,750 | $ 579,000 |
| Citrus, Florida | 3 | $ 377,000 | $ 125,666 | $ 87,000 |
| Flagler, Florida | 3 | $ 625,000 | $ 208,333 | $ 53,000 |
| Hernando, Florida | 3 | $ 636,000 | $ 212,000 | $ 51,000 |
| Leon, Florida | 3 | $ 532,000 | $ 177,333 | $ 230,000 |
| Levy, Florida | 3 | $ 488,000 | $ 162,666 | $ 79,000 |
| Manatee, Florida | 3 | $ 878,000 | $ 292,666 | $ 113,000 |
| Seminole, Florida | 3 | $ 517,000 | $ 172,333 | $ 75,000 |
| St. Johns, Florida | 3 | $ 1,646,000 | $ 548,666 | $ 281,000 |
| Hendry, Florida | 2 | $ 330,000 | $ 165,000 | $ 60,000 |
| Nassau, Florida | 2 | $ 400,000 | $ 200,000 | $ 52,000 |
| Clay, Florida | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| DeSoto, Florida | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
| Hillsborough, Florida | 1 | $ 3,000,000 | $ 3,000,000 | $ 1,364,000 |
| Okaloosa, Florida | 1 | $ 360,000 | $ 360,000 | $ 573,000 |
| Pasco, Florida | 1 | $ 505,000 | $ 505,000 | $ 186,000 |
| Sumter, Florida | 1 | $ 122,000 | $ 122,000 | $ 95,000 |
| Suwannee, Florida | 1 | $ 133,000 | $ 133,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Fidelity Federal 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 | 2,543 | $773,926,000 | $266,500 | $5,600,000 | $81,500 | $6,999,000 |
| Refinancing | 636 | $144,179,000 | $226,000 | $3,000,000 | $101,000 | $1,364,000 |
| Home Improvement | 111 | $14,130,000 | $127,000 | $2,500,000 | $80,000 | $1,657,000 |
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 | 2,270 | $648,016,000 | $259,000 | $3,800,000 | $93,500 | $6,999,000 |
| Hispanic | 325 | $78,252,000 | $243,500 | $2,000,000 | $56,000 | $900,000 |
| Black or African American | 294 | $64,064,000 | $195,000 | $2,000,000 | $51,000 | $600,000 |
| Not Provided | 199 | $52,249,000 | $284,000 | $1,993,000 | $122,000 | $665,000 |
| Not applicable | 113 | $64,816,000 | $573,000 | $5,600,000 | $31,000 | $456,000 |
| Asian | 74 | $21,544,000 | $270,500 | $1,125,000 | $79,000 | $707,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,712,000 | $226,000 | $588,000 | $77,000 | $251,000 |
| American Indian or Alaskan Native | 3 | $582,000 | $218,500 | $293,000 | $79,500 | $163,000 |
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) | 3,290 | $932,235,000 | $255,000 | $5,600,000 | $80,000 | $6,999,000 |
| 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 | 2,325 | $660,080,000 | $283,000 | $5,600,000 | $113,000 | $6,999,000 |
| Application Approved But Not Accepted | 252 | $72,346,000 | $287,000 | $2,500,000 | $124,000 | $2,400,000 |
| Application Denied By Financial Institution | 238 | $63,169,000 | $265,000 | $3,080,000 | $83,000 | $900,000 |
| Application Withdrawn By Applicant | 194 | $62,863,000 | $324,000 | $3,000,000 | $106,000 | $1,364,000 |
| File Closed For Incompleteness | 108 | $36,887,000 | $341,000 | $3,800,000 | $94,000 | $857,000 |
| Preapproval Denied by Financial Institution | 75 | $16,812,000 | $224,000 | $1,200,000 | $55,000 | $300,000 |
| Preapproval Approved but not Accepted | 64 | $14,463,000 | $225,000 | $616,000 | $64,000 | $492,000 |
| Loan Purchased By The Institution | 34 | $5,615,000 | $165,000 | $1,810,000 | $31,000 | $43,000 |
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 | 135 | $32,217,000 | $227,000 | $987,000 | $61,500 | $300,000 |
| Credit History | 92 | $18,977,000 | $202,500 | $3,080,000 | $109,000 | $900,000 |
| Other | 44 | $15,645,000 | $350,500 | $1,200,000 | $36,500 | $442,000 |
| Collateral | 14 | $3,257,000 | $196,500 | $704,000 | $117,500 | $300,000 |
| Mortgage Insurance Denied | 12 | $3,785,000 | $312,000 | $662,000 | $39,000 | $212,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $4,859,000 | $422,500 | $2,845,000 | $129,000 | $638,000 |
| Employment History | 5 | $1,057,000 | $182,500 | $326,000 | $12,000 | $78,000 |
| Unverifiable Information | 1 | $184,000 | $184,000 | $184,000 | $84,000 | $84,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Federal 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 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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with aggregated HMDA statistics today.
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