First Guaranty B&T of Jacksonv Mortgage Lending & HMDA Data, 2007
In 2007, First Guaranty B&T of Jacksonv of Jacksonville, FL reported 103 mortgage applications totaling $23.2 million, down 24% from 2006. The average application was for $225,330, and applicants reported an average income of $44,009. 81% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Jacksonville, FL (97), Asheville, NC (1) and Atlanta-Sandy Springs-Marietta, GA (1) (applications in parentheses).
| 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 | 103 |
| Total Mortgage Loan Application Amount | $23,209,000 |
| Average Mortgage Loan Application Amount | $225,330 |
| Highest Mortgage Loan Application Amount | $1,920,000 |
| Average Applicant Income | $44,009 |
| Highest Applicant Income | $272,000 |
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records First Guaranty B&T of Jacksonv filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007
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 | 41 | $13,256,000 | $323,000 | $1,920,000 | $35,000 | $272,000 |
| Home Improvement | 32 | $4,338,000 | $135,000 | $413,000 | $49,000 | $270,000 |
| Refinancing | 30 | $5,615,000 | $187,000 | $791,000 | $51,000 | $244,000 |
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 | 77 | $15,614,000 | $202,000 | $1,000,000 | $51,000 | $272,000 |
| Not applicable | 11 | $5,002,000 | $454,000 | $1,920,000 | $0 | $0 |
| Black or African American | 10 | $1,280,000 | $128,000 | $338,000 | $27,000 | $135,000 |
| Asian | 3 | $1,097,000 | $365,000 | $791,000 | $89,000 | $200,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Not Provided | 1 | $131,000 | $131,000 | $131,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 100 | $23,191,000 | $231,000 | $1,920,000 | $44,000 | $272,000 |
| FHA-insured (Federal Housing Administration) | 3 | $18,000 | $6,000 | $7,000 | $35,000 | $64,000 |
| 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 | 83 | $19,506,000 | $235,000 | $1,920,000 | $40,000 | $272,000 |
| Application Denied By Financial Institution | 13 | $2,588,000 | $199,000 | $813,000 | $64,000 | $240,000 |
| Application Approved But Not Accepted | 5 | $749,000 | $149,000 | $284,000 | $26,000 | $95,000 |
| Application Withdrawn By Applicant | 2 | $366,000 | $183,000 | $200,000 | $119,000 | $135,000 |
| 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 | 10 | $1,349,000 | $134,000 | $417,000 | $64,000 | $240,000 |
| Debt-To-Income Ratio | 3 | $1,239,000 | $413,000 | $813,000 | $66,000 | $111,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Guaranty B&T of Jacksonv's 2007 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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