First Federal Bank of Florida Mortgage Lending & HMDA Data, 2010
In 2010, First Federal Bank of Florida of Lake City, FL reported 2,483 mortgage applications totaling $342.1 million, up 43% from 2009. The average application was for $137,791, and applicants reported an average income of $68,145. 71% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Jacksonville, FL (659), Albany, GA (225) and Brunswick, GA (79) (applications in parentheses).
| Mortgage Company & Address | First Federal Bank of Florida 4705 West U S Hwy 90 Lake City, FL 32055 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 2,483 |
| Total Mortgage Loan Application Amount | $342,136,000 |
| Average Mortgage Loan Application Amount | $137,791 |
| Highest Mortgage Loan Application Amount | $1,312,000 |
| Average Applicant Income | $68,145 |
| Highest Applicant Income | $3,250,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal Bank of Florida filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbia, Florida | 348 | $ 42,123,000 | $ 121,043 | $ 60,000 |
| Suwannee, Florida | 223 | $ 24,076,000 | $ 107,964 | $ 52,000 |
| Duval, Florida | 207 | $ 32,068,000 | $ 154,917 | $ 68,000 |
| Nassau, Florida | 150 | $ 23,834,000 | $ 158,893 | $ 82,000 |
| St. Johns, Florida | 129 | $ 25,346,000 | $ 196,480 | $ 88,000 |
| Lee, Georgia | 90 | $ 13,960,000 | $ 155,111 | $ 78,000 |
| Baker, Florida | 89 | $ 12,065,000 | $ 135,561 | $ 70,000 |
| Tift, Georgia | 89 | $ 12,349,000 | $ 138,752 | $ 66,000 |
| Clay, Florida | 84 | $ 12,094,000 | $ 143,976 | $ 67,000 |
| Dougherty, Georgia | 84 | $ 11,645,000 | $ 138,630 | $ 73,000 |
| Glynn, Georgia | 64 | $ 10,403,000 | $ 162,546 | $ 80,000 |
| Worth, Georgia | 44 | $ 5,588,000 | $ 127,000 | $ 65,000 |
| Alachua, Florida | 43 | $ 5,915,000 | $ 137,558 | $ 63,000 |
| Hamilton, Florida | 37 | $ 3,186,000 | $ 86,108 | $ 47,000 |
| Houston, Alabama | 33 | $ 3,976,000 | $ 120,484 | $ 60,000 |
| Holmes, Florida | 32 | $ 2,441,000 | $ 76,281 | $ 55,000 |
| Coffee, Georgia | 31 | $ 3,792,000 | $ 122,322 | $ 64,000 |
| Union, Florida | 29 | $ 3,633,000 | $ 125,275 | $ 57,000 |
| Putnam, Florida | 26 | $ 3,160,000 | $ 121,538 | $ 61,000 |
| Jackson, Florida | 24 | $ 2,475,000 | $ 103,125 | $ 85,000 |
| Camden, Georgia | 21 | $ 3,693,000 | $ 175,857 | $ 72,000 |
| Lafayette, Florida | 20 | $ 2,173,000 | $ 108,650 | $ 52,000 |
| Leon, Florida | 20 | $ 3,674,000 | $ 183,700 | $ 65,000 |
| Colquitt, Georgia | 20 | $ 2,469,000 | $ 123,450 | $ 54,000 |
| Gilchrist, Florida | 18 | $ 2,244,000 | $ 124,666 | $ 51,000 |
| Levy, Florida | 18 | $ 1,833,000 | $ 101,833 | $ 47,000 |
| Turner, Georgia | 18 | $ 1,893,000 | $ 105,166 | $ 55,000 |
| Sarasota, Florida | 17 | $ 3,940,000 | $ 231,764 | $ 150,000 |
| Lowndes, Georgia | 17 | $ 2,713,000 | $ 159,588 | $ 85,000 |
| Beaufort, South Carolina | 17 | $ 3,560,000 | $ 209,411 | $ 77,000 |
| Crisp, Georgia | 16 | $ 3,016,000 | $ 188,500 | $ 65,000 |
| Barbour, Alabama | 15 | $ 1,883,000 | $ 125,533 | $ 63,000 |
| Dixie, Florida | 15 | $ 1,575,000 | $ 105,000 | $ 40,000 |
| Washington, Florida | 15 | $ 1,679,000 | $ 111,933 | $ 48,000 |
| Gadsden, Florida | 14 | $ 1,834,000 | $ 131,000 | $ 58,000 |
| Madison, Florida | 14 | $ 2,239,000 | $ 159,928 | $ 78,000 |
| Marion, Florida | 14 | $ 1,542,000 | $ 110,142 | $ 43,000 |
| Volusia, Florida | 14 | $ 1,867,000 | $ 133,357 | $ 68,000 |
| Brantley, Georgia | 11 | $ 1,349,000 | $ 122,636 | $ 65,000 |
| Pickens, South Carolina | 11 | $ 1,368,000 | $ 124,363 | $ 43,000 |
| Henry, Alabama | 10 | $ 1,405,000 | $ 140,500 | $ 79,000 |
| Manatee, Florida | 10 | $ 1,495,000 | $ 149,500 | $ 388,000 |
| Berrien, Georgia | 10 | $ 1,299,000 | $ 129,900 | $ 59,000 |
| Bradford, Florida | 9 | $ 1,264,000 | $ 140,444 | $ 63,000 |
| Wakulla, Florida | 8 | $ 1,565,000 | $ 195,625 | $ 73,000 |
| Anderson, South Carolina | 8 | $ 891,000 | $ 111,375 | $ 37,000 |
| Bay, Florida | 7 | $ 1,178,000 | $ 168,285 | $ 72,000 |
| Seminole, Georgia | 7 | $ 891,000 | $ 127,285 | $ 74,000 |
| Terrell, Georgia | 7 | $ 849,000 | $ 121,285 | $ 54,000 |
| Richland, South Carolina | 7 | $ 925,000 | $ 132,142 | $ 56,000 |
| Spartanburg, South Carolina | 7 | $ 904,000 | $ 129,142 | $ 46,000 |
| Clarke, Georgia | 6 | $ 1,102,000 | $ 183,666 | $ 278,000 |
| Greenville, South Carolina | 6 | $ 679,000 | $ 113,166 | $ 33,000 |
| Hillsborough, Florida | 5 | $ 1,727,000 | $ 345,400 | $ 175,000 |
| Taylor, Florida | 5 | $ 552,000 | $ 110,400 | $ 55,000 |
| Mitchell, Georgia | 5 | $ 535,000 | $ 107,000 | $ 51,000 |
| Sumter, Georgia | 5 | $ 1,064,000 | $ 212,800 | $ 82,000 |
| Thomas, Georgia | 5 | $ 593,000 | $ 118,600 | $ 49,000 |
| Flagler, Florida | 4 | $ 776,000 | $ 194,000 | $ 50,000 |
| Walton, Florida | 4 | $ 265,000 | $ 66,250 | $ 55,000 |
| Atkinson, Georgia | 4 | $ 720,000 | $ 180,000 | $ 115,000 |
| Charlton, Georgia | 4 | $ 526,000 | $ 131,500 | $ 63,000 |
| Houston, Georgia | 4 | $ 431,000 | $ 107,750 | $ 49,000 |
| McIntosh, Georgia | 4 | $ 658,000 | $ 164,500 | $ 66,000 |
| Wayne, Georgia | 4 | $ 543,000 | $ 135,750 | $ 53,000 |
| Williamsburg, South Carolina | 4 | $ 396,000 | $ 99,000 | $ 43,000 |
| Lake, Florida | 3 | $ 285,000 | $ 95,000 | $ 47,000 |
| Okaloosa, Florida | 3 | $ 513,000 | $ 171,000 | $ 49,000 |
| Orange, Florida | 3 | $ 527,000 | $ 175,666 | $ 56,000 |
| Pasco, Florida | 3 | $ 578,000 | $ 192,666 | $ 44,000 |
| Sumter, Florida | 3 | $ 303,000 | $ 101,000 | $ 66,000 |
| Bryan, Georgia | 3 | $ 357,000 | $ 119,000 | $ 44,000 |
| Echols, Georgia | 3 | $ 639,000 | $ 213,000 | $ 67,000 |
| Grady, Georgia | 3 | $ 239,000 | $ 79,666 | $ 53,000 |
| Laurens, Georgia | 3 | $ 264,000 | $ 88,000 | $ 33,000 |
| Miller, Georgia | 3 | $ 298,000 | $ 99,333 | $ 49,000 |
| Lexington, South Carolina | 3 | $ 329,000 | $ 109,666 | $ 60,000 |
| Sumter, South Carolina | 3 | $ 205,000 | $ 68,333 | $ 31,000 |
| Dale, Alabama | 2 | $ 208,000 | $ 104,000 | $ 47,000 |
| Broward, Florida | 2 | $ 495,000 | $ 247,500 | $ 72,000 |
| Citrus, Florida | 2 | $ 224,000 | $ 112,000 | $ 56,000 |
| Franklin, Florida | 2 | $ 269,000 | $ 134,500 | $ 66,000 |
| Gulf, Florida | 2 | $ 342,000 | $ 171,000 | $ 81,000 |
| Jefferson, Florida | 2 | $ 435,000 | $ 217,500 | $ 128,000 |
| Liberty, Florida | 2 | $ 242,000 | $ 121,000 | $ 50,000 |
| Miami-Dade, Florida | 2 | $ 495,000 | $ 247,500 | $ 233,000 |
| Polk, Florida | 2 | $ 197,000 | $ 98,500 | $ 43,000 |
| Santa Rosa, Florida | 2 | $ 261,000 | $ 130,500 | $ 48,000 |
| Seminole, Florida | 2 | $ 198,000 | $ 99,000 | $ 36,000 |
| Bibb, Georgia | 2 | $ 296,000 | $ 148,000 | $ 63,000 |
| Brooks, Georgia | 2 | $ 473,000 | $ 236,500 | $ 111,000 |
| Chatham, Georgia | 2 | $ 337,000 | $ 168,500 | $ 41,000 |
| Clinch, Georgia | 2 | $ 170,000 | $ 85,000 | $ 50,000 |
| Cook, Georgia | 2 | $ 184,000 | $ 92,000 | $ 50,000 |
| Crawford, Georgia | 2 | $ 253,000 | $ 126,500 | $ 65,000 |
| Decatur, Georgia | 2 | $ 226,000 | $ 113,000 | $ 49,000 |
| Emanuel, Georgia | 2 | $ 134,000 | $ 67,000 | $ 28,000 |
| Irwin, Georgia | 2 | $ 173,000 | $ 86,500 | $ 39,000 |
| Jeff Davis, Georgia | 2 | $ 193,000 | $ 96,500 | $ 67,000 |
| Lanier, Georgia | 2 | $ 101,000 | $ 50,500 | $ 28,000 |
| Monroe, Georgia | 2 | $ 194,000 | $ 97,000 | $ 38,000 |
| Troup, Georgia | 2 | $ 242,000 | $ 121,000 | $ 64,000 |
| Twiggs, Georgia | 2 | $ 192,000 | $ 96,000 | $ 38,000 |
| Walton, Georgia | 2 | $ 342,000 | $ 171,000 | $ 49,000 |
| Ware, Georgia | 2 | $ 212,000 | $ 106,000 | $ 46,000 |
| Wilcox, Georgia | 2 | $ 265,000 | $ 132,500 | $ 60,000 |
| Oconee, South Carolina | 2 | $ 230,000 | $ 115,000 | $ 33,000 |
| Baldwin, Alabama | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Geneva, Alabama | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Pike, Alabama | 1 | $ 81,000 | $ 81,000 | $ 40,000 |
| Brevard, Florida | 1 | $ 88,000 | $ 88,000 | $ 49,000 |
| Calhoun, Florida | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Charlotte, Florida | 1 | $ 140,000 | $ 140,000 | $ 151,000 |
| Collier, Florida | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| Escambia, Florida | 1 | $ 69,000 | $ 69,000 | $ 32,000 |
| Hernando, Florida | 1 | $ 88,000 | $ 88,000 | $ 70,000 |
| Highlands, Florida | 1 | $ 17,000 | $ 17,000 | $ 35,000 |
| Pinellas, Florida | 1 | $ 140,000 | $ 140,000 | $ 81,000 |
| Appling, Georgia | 1 | $ 111,000 | $ 111,000 | $ 68,000 |
| Ben Hill, Georgia | 1 | $ 101,000 | $ 101,000 | $ 51,000 |
| Calhoun, Georgia | 1 | $ 87,000 | $ 87,000 | $ 26,000 |
| Carroll, Georgia | 1 | $ 56,000 | $ 56,000 | $ 12,000 |
| Cherokee, Georgia | 1 | $ 274,000 | $ 274,000 | $ 161,000 |
| Columbia, Georgia | 1 | $ 88,000 | $ 88,000 | $ 23,000 |
| DeKalb, Georgia | 1 | $ 362,000 | $ 362,000 | $ 242,000 |
| Dodge, Georgia | 1 | $ 88,000 | $ 88,000 | $ 41,000 |
| Dooly, Georgia | 1 | $ 121,000 | $ 121,000 | $ 45,000 |
| Evans, Georgia | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| Franklin, Georgia | 1 | $ 196,000 | $ 196,000 | $ 85,000 |
| Fulton, Georgia | 1 | $ 329,000 | $ 329,000 | $ 167,000 |
| Habersham, Georgia | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Henry, Georgia | 1 | $ 88,000 | $ 88,000 | $ 25,000 |
| Jasper, Georgia | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| Jones, Georgia | 1 | $ 77,000 | $ 77,000 | $ 51,000 |
| Liberty, Georgia | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Macon, Georgia | 1 | $ 66,000 | $ 66,000 | $ 33,000 |
| Meriwether, Georgia | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Montgomery, Georgia | 1 | $ 99,000 | $ 99,000 | $ 44,000 |
| Paulding, Georgia | 1 | $ 84,000 | $ 84,000 | $ 49,000 |
| Peach, Georgia | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Pickens, Georgia | 1 | $ 148,000 | $ 148,000 | $ 72,000 |
| Pierce, Georgia | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Randolph, Georgia | 1 | $ 166,000 | $ 166,000 | $ 71,000 |
| Schley, Georgia | 1 | $ 125,000 | $ 125,000 | $ 82,000 |
| Taylor, Georgia | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Upson, Georgia | 1 | $ 96,000 | $ 96,000 | $ 37,000 |
| White, Georgia | 1 | $ 81,000 | $ 81,000 | $ 19,000 |
| Wilkinson, Georgia | 1 | $ 83,000 | $ 83,000 | $ 28,000 |
| Wayne, Michigan | 1 | $ 260,000 | $ 260,000 | $ 282,000 |
| Wake, North Carolina | 1 | $ 99,000 | $ 99,000 | $ 73,000 |
| Abbeville, South Carolina | 1 | $ 154,000 | $ 154,000 | $ 74,000 |
| Berkeley, South Carolina | 1 | $ 186,000 | $ 186,000 | $ 84,000 |
| Charleston, South Carolina | 1 | $ 152,000 | $ 152,000 | $ 62,000 |
| Colleton, South Carolina | 1 | $ 120,000 | $ 120,000 | $ 41,000 |
| Jasper, South Carolina | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Laurens, South Carolina | 1 | $ 130,000 | $ 130,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for First Federal Bank of Florida in 2010
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 | 1,551 | $202,249,000 | $130,000 | $1,312,000 | $64,000 | $995,000 |
| Refinancing | 851 | $131,429,000 | $154,000 | $1,000,000 | $76,000 | $3,250,000 |
| Home Improvement | 81 | $8,458,000 | $104,000 | $324,000 | $65,000 | $188,000 |
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 | 2,085 | $289,626,000 | $138,000 | $1,000,000 | $69,000 | $3,250,000 |
| Black or African American | 239 | $30,205,000 | $126,000 | $417,000 | $52,000 | $453,000 |
| Hispanic | 88 | $11,319,000 | $128,000 | $424,000 | $72,000 | $777,000 |
| Not Provided | 36 | $4,267,000 | $118,000 | $350,000 | $71,000 | $488,000 |
| Asian | 24 | $4,860,000 | $202,000 | $1,312,000 | $118,000 | $552,000 |
| American Indian or Alaskan Native | 8 | $1,518,000 | $189,000 | $395,000 | $138,000 | $299,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $296,000 | $148,000 | $160,000 | $46,000 | $54,000 |
| Not applicable | 1 | $45,000 | $45,000 | $45,000 | $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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,063 | $129,487,000 | $121,000 | $392,000 | $53,000 | $516,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 970 | $149,156,000 | $153,000 | $1,312,000 | $93,000 | $3,250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 229 | $27,473,000 | $119,000 | $260,000 | $43,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 221 | $36,020,000 | $162,000 | $422,000 | $57,000 | $175,000 |
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 | 1,764 | $246,225,000 | $139,000 | $1,312,000 | $69,000 | $3,250,000 |
| Application Denied By Financial Institution | 332 | $42,326,000 | $127,000 | $1,000,000 | $64,000 | $708,000 |
| Application Withdrawn By Applicant | 290 | $40,959,000 | $141,000 | $417,000 | $66,000 | $420,000 |
| File Closed For Incompleteness | 54 | $8,500,000 | $157,000 | $1,000,000 | $66,000 | $465,000 |
| Loan Purchased By The Institution | 33 | $2,937,000 | $89,000 | $254,000 | $50,000 | $173,000 |
| Application Approved But Not Accepted | 10 | $1,189,000 | $118,000 | $299,000 | $67,000 | $266,000 |
| 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 | 122 | $17,716,000 | $145,000 | $1,000,000 | $75,000 | $708,000 |
| Credit History | 89 | $8,536,000 | $95,000 | $332,000 | $50,000 | $335,000 |
| Other | 56 | $7,633,000 | $136,000 | $385,000 | $75,000 | $360,000 |
| Debt-To-Income Ratio | 43 | $5,450,000 | $126,000 | $533,000 | $57,000 | $252,000 |
| Unverifiable Information | 8 | $1,175,000 | $146,000 | $417,000 | $56,000 | $118,000 |
| Employment History | 7 | $964,000 | $137,000 | $361,000 | $67,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $852,000 | $121,000 | $261,000 | $27,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Bank of Florida's 2010 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 First Federal Bank of Florida'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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