First Guaranty B&T of Jacksonv Mortgage Lending & HMDA Data, 2005
In 2005, First Guaranty B&T of Jacksonv of Jacksonville, FL reported 151 mortgage applications totaling $32.0 million, up 6% from 2004. The average application was for $211,807, and applicants reported an average income of $78,185. 83% of its applications resulted in an originated loan and 9% were denied. Its largest market was Jacksonville, FL (149).
| 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 | 151 |
| Total Mortgage Loan Application Amount | $31,983,000 |
| Average Mortgage Loan Application Amount | $211,807 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $78,185 |
| Highest Applicant Income | $4,319,000 |
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records First Guaranty B&T of Jacksonv filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Guaranty B&T of Jacksonv 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 | 100 | $26,081,000 | $298,000 | $1,500,000 | $105,000 | $4,319,000 |
| Home Improvement | 26 | $1,111,000 | $42,000 | $168,000 | $45,000 | $665,000 |
| Refinancing | 25 | $4,791,000 | $191,000 | $1,050,000 | $40,000 | $291,000 |
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 | 122 | $25,872,000 | $218,000 | $1,500,000 | $72,500 | $749,000 |
| Not applicable | 14 | $4,002,000 | $285,000 | $1,500,000 | $103,000 | $4,319,000 |
| Hispanic | 7 | $525,000 | $75,000 | $204,000 | $44,000 | $125,000 |
| Black or African American | 4 | $299,000 | $74,000 | $177,000 | $43,000 | $83,000 |
| Not Provided | 2 | $603,000 | $301,500 | $450,000 | $89,000 | $152,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $158,000 | $158,000 | $158,000 | $77,000 | $77,000 |
| Asian | 1 | $524,000 | $524,000 | $524,000 | $30,000 | $30,000 |
| 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) | 145 | $31,909,000 | $277,500 | $1,500,000 | $91,000 | $4,319,000 |
| FHA-insured (Federal Housing Administration) | 6 | $74,000 | $12,000 | $20,000 | $56,000 | $120,000 |
| 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 | 125 | $25,582,000 | $204,000 | $1,500,000 | $84,000 | $4,319,000 |
| Application Denied By Financial Institution | 13 | $1,820,000 | $140,000 | $750,000 | $48,000 | $130,000 |
| Application Approved But Not Accepted | 5 | $2,972,000 | $594,000 | $1,500,000 | $109,000 | $387,000 |
| Application Withdrawn By Applicant | 4 | $761,000 | $190,000 | $430,000 | $63,000 | $100,000 |
| Loan Purchased By The Institution | 2 | $173,000 | $86,000 | $140,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $450,000 | $450,000 | $450,000 | $152,000 | $152,000 |
| Preapproval Denied by Financial Institution | 1 | $225,000 | $225,000 | $225,000 | $77,000 | $77,000 |
| File Closed For Incompleteness | 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 | 7 | $828,000 | $162,500 | $225,000 | $66,000 | $130,000 |
| Credit History | 4 | $300,000 | $75,000 | $100,000 | $30,000 | $60,000 |
| Collateral | 1 | $160,000 | $160,000 | $160,000 | $38,000 | $38,000 |
| Other | 1 | $750,000 | $750,000 | $750,000 | $72,000 | $72,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Guaranty B&T of Jacksonv'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 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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