First National Bank of the Gul Mortgage Lending & HMDA Data, 2012
In 2012, First National Bank of the Gul of Naples, FL reported 255 mortgage applications totaling $121.8 million, up 168% from 2011. The average application was for $477,819, and applicants reported an average income of $297,058. 72% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Naples-Marco Island, FL (114), Cape Coral-Fort Myers, FL (79) and North Port-Bradenton-Sarasota, FL (14) (applications in parentheses).
| Mortgage Company & Address | First National Bank of the Gul 3560 Kraft Road Naples, FL 34105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 255 |
| Total Mortgage Loan Application Amount | $121,844,000 |
| Average Mortgage Loan Application Amount | $477,819 |
| Highest Mortgage Loan Application Amount | $6,400,000 |
| Average Applicant Income | $297,058 |
| Highest Applicant Income | $7,983,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of the Gul filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Collier, Florida | 114 | $ 76,370,000 | $ 669,912 | $ 364,000 |
| Lee, Florida | 79 | $ 23,929,000 | $ 302,898 | $ 246,000 |
| Charlotte, Florida | 11 | $ 1,672,000 | $ 152,000 | $ 187,000 |
| Manatee, Florida | 10 | $ 5,845,000 | $ 584,500 | $ 283,000 |
| Miami-Dade, Florida | 4 | $ 1,526,000 | $ 381,500 | $ 225,000 |
| Sarasota, Florida | 4 | $ 755,000 | $ 188,750 | $ 166,000 |
| Palm Beach, Florida | 3 | $ 1,643,000 | $ 547,666 | $ 241,000 |
| Pinellas, Florida | 2 | $ 600,000 | $ 300,000 | $ 217,000 |
| Brevard, Florida | 1 | $ 115,000 | $ 115,000 | $ 202,000 |
| Broward, Florida | 1 | $ 46,000 | $ 46,000 | $ 74,000 |
| Lake, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Monroe, Florida | 1 | $ 92,000 | $ 92,000 | $ 424,000 |
| Pasco, Florida | 1 | $ 112,000 | $ 112,000 | $ 120,000 |
| St. Johns, Florida | 1 | $ 1,700,000 | $ 1,700,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 68,000 | $ 68,000 | $ 273,000 |
Mortgage Loan Application Detail Totals for First National Bank of the Gul in 2012
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 | 198 | $84,009,000 | $424,000 | $4,600,000 | $306,000 | $7,983,000 |
| Refinancing | 57 | $37,835,000 | $663,000 | $6,400,000 | $266,000 | $2,746,000 |
| Home Improvement | 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 | 218 | $97,001,000 | $444,000 | $6,400,000 | $344,000 | $7,983,000 |
| Not applicable | 28 | $23,081,000 | $824,000 | $5,400,000 | $0 | $0 |
| Hispanic | 9 | $1,762,000 | $195,000 | $505,000 | $88,000 | $349,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 255 | $121,844,000 | $477,000 | $6,400,000 | $297,000 | $7,983,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 183 | $83,964,000 | $458,000 | $6,400,000 | $291,000 | $7,983,000 |
| Application Denied By Financial Institution | 31 | $20,955,000 | $675,000 | $4,600,000 | $315,000 | $2,746,000 |
| Preapproval Approved but not Accepted | 17 | $5,752,000 | $338,000 | $2,100,000 | $357,000 | $3,909,000 |
| Application Approved But Not Accepted | 17 | $7,473,000 | $439,000 | $2,000,000 | $297,000 | $2,342,000 |
| Application Withdrawn By Applicant | 5 | $3,340,000 | $668,000 | $1,750,000 | $294,000 | $1,000,000 |
| Preapproval Denied by Financial Institution | 2 | $360,000 | $180,000 | $240,000 | $84,000 | $94,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 14 | $8,936,000 | $638,000 | $2,450,000 | $507,000 | $2,746,000 |
| Debt-To-Income Ratio | 11 | $9,985,000 | $907,000 | $4,600,000 | $148,000 | $666,000 |
| Other | 4 | $1,081,000 | $270,000 | $498,000 | $100,000 | $167,000 |
| Credit History | 2 | $468,000 | $234,000 | $315,000 | $60,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $495,000 | $495,000 | $495,000 | $258,000 | $258,000 |
| Credit Application Incomplete | 1 | $350,000 | $350,000 | $350,000 | $434,000 | $434,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of the Gul's 2012 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 National Bank of the Gul'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About