First Guaranty B&T of Jacksonv Mortgage Lending & HMDA Data, 2004
In 2004, First Guaranty B&T of Jacksonv of Jacksonville, FL reported 143 mortgage applications totaling $32.1 million, up 13% from 2003. The average application was for $224,818, and applicants reported an average income of $72,804. 75% of its applications resulted in an originated loan and 15% were denied. Its largest market was Jacksonville, FL (140).
| Mortgage Company & Address | First Guaranty B&T of Jacksonv 1234 King Street Jacksonville, FL 32204 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 143 |
| Total Mortgage Loan Application Amount | $32,149,000 |
| Average Mortgage Loan Application Amount | $224,818 |
| Highest Mortgage Loan Application Amount | $3,587,000 |
| Average Applicant Income | $72,804 |
| Highest Applicant Income | $761,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Guaranty B&T of Jacksonv filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Jacksonville, FL | 140 | $ 31,601,000 | $ 225,721 | $ 68,000 |
Mortgage Loan Application Detail Totals for First Guaranty B&T of Jacksonv in 2004
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 | 71 | $17,837,000 | $251,000 | $3,587,000 | $93,000 | $564,000 |
| Home Improvement | 43 | $6,718,000 | $156,000 | $2,480,000 | $40,000 | $761,000 |
| Refinancing | 29 | $7,594,000 | $261,000 | $2,030,000 | $72,000 | $396,000 |
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 | 99 | $19,585,000 | $197,000 | $2,480,000 | $88,000 | $761,000 |
| Not applicable | 22 | $10,659,000 | $484,000 | $3,587,000 | $22,000 | $278,000 |
| Not Provided | 8 | $851,000 | $106,000 | $175,000 | $75,000 | $251,000 |
| Black or African American | 8 | $398,000 | $49,000 | $250,000 | $38,000 | $110,000 |
| Hispanic | 4 | $631,000 | $157,000 | $420,000 | $23,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $8,000 | $8,000 | $8,000 | $18,000 | $18,000 |
| Asian | 1 | $17,000 | $17,000 | $17,000 | $66,000 | $66,000 |
| American Indian or Alaskan Native | 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) | 129 | $31,669,000 | $245,000 | $3,587,000 | $72,000 | $761,000 |
| FHA-insured (Federal Housing Administration) | 14 | $480,000 | $34,000 | $250,000 | $39,000 | $174,000 |
| 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 | 107 | $26,106,000 | $243,000 | $3,587,000 | $61,000 | $761,000 |
| Application Denied By Financial Institution | 22 | $2,138,000 | $97,000 | $420,000 | $56,000 | $224,000 |
| Application Approved But Not Accepted | 8 | $3,086,000 | $385,000 | $2,000,000 | $122,000 | $384,000 |
| Application Withdrawn By Applicant | 6 | $819,000 | $136,000 | $218,000 | $62,000 | $251,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $386,000 | $42,000 | $150,000 | $44,000 | $66,000 |
| Debt-To-Income Ratio | 8 | $752,000 | $94,000 | $245,000 | $57,000 | $105,000 |
| Credit Application Incomplete | 3 | $460,000 | $153,000 | $250,000 | $36,000 | $90,000 |
| Collateral | 1 | $120,000 | $120,000 | $120,000 | $38,000 | $38,000 |
| Employment History | 1 | $420,000 | $420,000 | $420,000 | $224,000 | $224,000 |
| 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 First Guaranty B&T of Jacksonv's 2004 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 Guaranty B&T of Jacksonv'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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