First Florida Bank Mortgage Lending & HMDA Data, 2018
In 2018, First Florida Bank of Destin, FL reported 430 mortgage applications totaling $135.1 million, down 1% from 2017. The average application was for $314,255, and applicants reported an average income of $159,527. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Crestview-Fort Walton Beach-Destin, FL (296), Panama City, FL (83) and Pensacola-Ferry Pass-Brent, FL (38) (applications in parentheses).
| Mortgage Company & Address | First Florida Bank 2000 Ninety Eight Palms Blvd Destin, FL 32541 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 430 |
| Total Mortgage Loan Application Amount | $135,130,000 |
| Average Mortgage Loan Application Amount | $314,255 |
| Highest Mortgage Loan Application Amount | $2,855,000 |
| Average Applicant Income | $159,527 |
| Highest Applicant Income | $2,054,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Florida Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Crestview-Fort Walton Beach-Destin, FL | 296 | $ 99,880,000 | $ 337,432 | $ 158,000 |
| Panama City, FL | 83 | $ 21,765,000 | $ 262,228 | $ 185,000 |
| Pensacola-Ferry Pass-Brent, FL | 38 | $ 10,430,000 | $ 274,473 | $ 126,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 410,000 | $ 205,000 | $ 138,000 |
| Outside any metro area | 2 | $ 280,000 | $ 140,000 | $ 95,500 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 770,000 | $ 385,000 | $ 113,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 430,000 | $ 215,000 | $ 300,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Homosassa Springs, FL | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Jacksonville, FL | 1 | $ 315,000 | $ 315,000 | $ 71,000 |
| Port St. Lucie, FL | 1 | $ 265,000 | $ 265,000 | $ 56,000 |
| St. Louis, MO-IL | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for First Florida Bank in 2018
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 | 381 | $118,095,000 | $309,000 | $2,855,000 | $162,000 | $2,054,000 |
| Refinancing | 30 | $10,500,000 | $350,000 | $1,025,000 | $161,000 | $410,000 |
| Cash-out Refinancing | 17 | $5,645,000 | $332,000 | $735,000 | $111,000 | $228,000 |
| Home Improvement | 2 | $890,000 | $445,000 | $755,000 | $79,000 | $130,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 | 333 | $107,285,000 | $322,000 | $2,855,000 | $159,000 | $2,054,000 |
| Not Provided | 63 | $17,575,000 | $278,000 | $675,000 | $157,000 | $686,000 |
| Black or African American | 11 | $3,425,000 | $311,000 | $475,000 | $209,000 | $1,003,000 |
| Not applicable | 8 | $2,750,000 | $343,000 | $855,000 | $59,000 | $59,000 |
| Asian | 6 | $1,670,000 | $278,000 | $455,000 | $115,000 | $184,000 |
| Hispanic | 4 | $1,170,000 | $292,000 | $405,000 | $93,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $38,000 | $38,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $49,000 | $49,000 |
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) | 285 | $87,985,000 | $308,000 | $2,855,000 | $190,000 | $2,054,000 |
| VA-guaranteed (Veterans Administration) | 120 | $41,100,000 | $342,000 | $735,000 | $105,000 | $328,000 |
| FHA-insured (Federal Housing Administration) | 25 | $6,045,000 | $241,000 | $335,000 | $81,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 327 | $103,895,000 | $317,000 | $2,855,000 | $158,000 | $1,003,000 |
| Application Withdrawn By Applicant | 53 | $14,795,000 | $279,000 | $965,000 | $191,000 | $2,054,000 |
| Application Denied By Financial Institution | 36 | $11,650,000 | $323,000 | $625,000 | $117,000 | $422,000 |
| Application Approved But Not Accepted | 12 | $3,910,000 | $325,000 | $465,000 | $181,000 | $528,000 |
| File Closed For Incompleteness | 2 | $880,000 | $440,000 | $735,000 | $162,000 | $186,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 430 | $135,130,000 | $314,000 | $2,855,000 | $159,000 | $2,054,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Florida Bank's 2018 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 Florida Bank'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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