Florida Bank, N. A. Mortgage Lending & HMDA Data, 2004
In 2004, Florida Bank, N. A. of Lexington, SC reported 3,101 mortgage applications totaling $563.9 million, down 54% from 2003. The average application was for $181,844, and applicants reported an average income of $92,241. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (377), Chicago-Naperville-Joliet, IL (309) and Jacksonville, FL (251) (applications in parentheses).
| Mortgage Company & Address | Florida Bank, N. A. 151 Corley Mill Road Lexington, SC 29072 |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 3,101 |
| Total Mortgage Loan Application Amount | $563,899,000 |
| Average Mortgage Loan Application Amount | $181,844 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $92,241 |
| Highest Applicant Income | $2,100,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Florida Bank, N. A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Wayne-White Plains, NY-NJ | 377 | $ 103,044,000 | $ 273,326 | $ 102,000 |
| Chicago-Naperville-Joliet, IL | 309 | $ 57,790,000 | $ 187,022 | $ 85,000 |
| Jacksonville, FL | 251 | $ 38,751,000 | $ 154,386 | $ 90,000 |
| Nassau-Suffolk, NY | 243 | $ 56,518,000 | $ 232,584 | $ 91,000 |
| Baltimore-Towson, MD | 188 | $ 28,768,000 | $ 153,021 | $ 71,000 |
| Philadelphia, PA | 92 | $ 13,764,000 | $ 149,608 | $ 73,000 |
| Atlanta-Sandy Springs-Marietta, GA | 86 | $ 15,399,000 | $ 179,058 | $ 83,000 |
| Edison, NJ | 85 | $ 15,142,000 | $ 178,141 | $ 82,000 |
| Ocala, FL | 85 | $ 10,521,000 | $ 123,776 | $ 77,000 |
| Sarasota-Bradenton-Venice, FL | 77 | $ 10,989,000 | $ 142,714 | $ 72,000 |
| Tampa-St. Petersburg-Clearwater, FL | 77 | $ 13,019,000 | $ 169,077 | $ 211,000 |
| Lancaster, PA | 64 | $ 7,506,000 | $ 117,281 | $ 92,000 |
| Houston-Baytown-Sugar Land, TX | 63 | $ 8,622,000 | $ 136,857 | $ 99,000 |
| Tallahassee, FL | 63 | $ 7,463,000 | $ 118,460 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 58 | $ 11,135,000 | $ 191,982 | $ 84,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 58 | $ 10,971,000 | $ 189,155 | $ 119,000 |
| Reading, PA | 57 | $ 7,150,000 | $ 125,438 | $ 55,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 57 | $ 11,289,000 | $ 198,052 | $ 88,000 |
| Newark-Union, NJ-PA | 43 | $ 9,524,000 | $ 221,488 | $ 75,000 |
| Trenton-Ewing, NJ | 42 | $ 2,338,000 | $ 55,666 | $ 72,000 |
| Port St. Lucie-Fort Pierce, FL | 41 | $ 6,556,000 | $ 159,902 | $ 72,000 |
| Miami-Miami Beach-Kendall, FL | 34 | $ 10,156,000 | $ 298,705 | $ 139,000 |
| Corpus Christi, TX | 27 | $ 3,881,000 | $ 143,740 | $ 101,000 |
| Naples-Marco Island, FL | 26 | $ 6,106,000 | $ 234,846 | $ 136,000 |
| Bethesda-Frederick-Gaithersburg, MD | 25 | $ 5,308,000 | $ 212,320 | $ 66,000 |
| College Station-Bryan, TX | 25 | $ 2,635,000 | $ 105,400 | $ 76,000 |
| Cape Coral-Fort Myers, FL | 24 | $ 3,820,000 | $ 159,166 | $ 114,000 |
| Lake County-Kenosha County, IL-WI | 24 | $ 4,960,000 | $ 206,666 | $ 74,000 |
| Pittsburgh, PA | 19 | $ 1,696,000 | $ 89,263 | $ 55,000 |
| Gainesville, FL | 18 | $ 1,900,000 | $ 105,555 | $ 90,000 |
| Orlando, FL | 17 | $ 2,687,000 | $ 158,058 | $ 72,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 12 | $ 1,566,000 | $ 130,500 | $ 89,000 |
| Athens-Clarke County, GA | 12 | $ 1,773,000 | $ 147,750 | $ 59,000 |
| Austin-Round Rock, TX | 12 | $ 2,133,000 | $ 177,750 | $ 108,000 |
| Camden, NJ | 10 | $ 1,109,000 | $ 110,900 | $ 80,000 |
| San Antonio, TX | 10 | $ 1,268,000 | $ 126,800 | $ 99,000 |
| Dallas-Plano-Irving, TX | 9 | $ 1,136,000 | $ 126,222 | $ 79,000 |
| Memphis, TN-MS-AR | 9 | $ 495,000 | $ 55,000 | $ 106,000 |
| York-Hanover, PA | 8 | $ 1,056,000 | $ 132,000 | $ 47,000 |
| Albany-Schenectady-Troy, NY | 7 | $ 841,000 | $ 120,142 | $ 74,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,233,000 | $ 176,142 | $ 73,000 |
| Gary, IN | 7 | $ 1,646,000 | $ 235,142 | $ 107,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,476,000 | $ 246,000 | $ 84,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 535,000 | $ 89,166 | $ 44,000 |
| Panama City-Lynn Haven, FL | 6 | $ 761,000 | $ 126,833 | $ 108,000 |
| Boston-Quincy, MA | 5 | $ 1,240,000 | $ 248,000 | $ 166,000 |
| Fort Worth-Arlington, TX | 5 | $ 489,000 | $ 97,800 | $ 82,000 |
| Harrisburg-Carlisle, PA | 5 | $ 958,000 | $ 191,600 | $ 157,000 |
| Kingston, NY | 5 | $ 706,000 | $ 141,200 | $ 57,000 |
| Rome, GA | 5 | $ 657,000 | $ 131,400 | $ 15,000 |
| Brownsville-Harlingen, TX | 4 | $ 395,000 | $ 98,750 | $ 82,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 1,441,000 | $ 360,250 | $ 144,000 |
| McAllen-Edinburg-Pharr, TX | 4 | $ 358,000 | $ 89,500 | $ 85,000 |
| Punta Gorda, FL | 4 | $ 900,000 | $ 225,000 | $ 102,000 |
| Richmond, VA | 4 | $ 460,000 | $ 115,000 | $ 29,000 |
| Vero Beach, FL | 4 | $ 472,000 | $ 118,000 | $ 48,000 |
| Wilmington, NC | 4 | $ 1,420,000 | $ 355,000 | $ 56,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 315,000 | $ 105,000 | $ 60,000 |
| Dayton, OH | 3 | $ 1,405,000 | $ 468,333 | $ 170,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 285,000 | $ 95,000 | $ 55,000 |
| Lakeland, FL | 3 | $ 668,000 | $ 222,666 | $ 23,000 |
| New Haven-Milford, CT | 3 | $ 546,000 | $ 182,000 | $ 150,000 |
| Ocean City, NJ | 3 | $ 620,000 | $ 206,666 | $ 287,000 |
| Rochester, NY | 3 | $ 328,000 | $ 109,333 | $ 34,000 |
| Victoria, TX | 3 | $ 211,000 | $ 70,333 | $ 49,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 283,000 | $ 94,333 | $ 51,000 |
| Asheville, NC | 2 | $ 233,000 | $ 116,500 | $ 111,000 |
| Atlantic City, NJ | 2 | $ 350,000 | $ 175,000 | $ 95,000 |
| Denver-Aurora, CO | 2 | $ 198,000 | $ 99,000 | $ 122,000 |
| El Paso, TX | 2 | $ 319,000 | $ 159,500 | $ 152,000 |
| Jackson, MS | 2 | $ 326,000 | $ 163,000 | $ 111,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 649,000 | $ 324,500 | $ 119,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 178,000 | $ 89,000 | $ 69,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 314,000 | $ 157,000 | $ 204,000 |
| Waco, TX | 2 | $ 100,000 | $ 50,000 | $ 48,000 |
| Warren-Farmington Hills-Troy, MI | 2 | $ 287,000 | $ 143,500 | $ 48,000 |
| Wilmington, DE-MD-NJ | 2 | $ 217,000 | $ 108,500 | $ 32,000 |
| Anderson, SC | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 276,000 | $ 276,000 | $ 334,000 |
| Binghamton, NY | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Birmingham-Hoover, AL | 1 | $ 63,000 | $ 63,000 | $ 64,000 |
| Brunswick, GA | 1 | $ 114,000 | $ 114,000 | $ 47,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 300,000 | $ 300,000 | $ 97,000 |
| Champaign-Urbana, IL | 1 | $ 334,000 | $ 334,000 | $ 253,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 141,000 | $ 141,000 | $ 108,000 |
| Columbia, SC | 1 | $ 100,000 | $ 100,000 | $ 21,000 |
| Columbus, OH | 1 | $ 69,000 | $ 69,000 | $ 60,000 |
| Glens Falls, NY | 1 | $ 148,000 | $ 148,000 | $ 133,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 397,000 | $ 397,000 | $ 116,000 |
| Jacksonville, NC | 1 | $ 103,000 | $ 103,000 | $ 123,000 |
| Lebanon, PA | 1 | $ 82,000 | $ 82,000 | $ 39,000 |
| Louisville, KY-IN | 1 | $ 91,000 | $ 91,000 | $ 62,000 |
| Michigan City-La Porte, IN | 1 | $ 210,000 | $ 210,000 | $ 76,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Owensboro, KY | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 248,000 | $ 248,000 | $ 69,000 |
| Pittsfield, MA | 1 | $ 50,000 | $ 50,000 | $ 43,000 |
| Racine, WI | 1 | $ 328,000 | $ 328,000 | $ 237,000 |
| Rockford, IL | 1 | $ 180,000 | $ 180,000 | $ 65,000 |
| Spartanburg, SC | 1 | $ 111,000 | $ 111,000 | $ 228,000 |
| Springfield, MA | 1 | $ 102,000 | $ 102,000 | $ 72,000 |
| Toledo, OH | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 31,000 | $ 31,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Florida Bank, N. A. 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 | 1,573 | $287,667,000 | $179,125 | $1,500,000 | $89,708 | $2,100,000 |
| Refinancing | 1,524 | $275,337,000 | $176,478 | $1,000,000 | $89,565 | $1,959,000 |
| Home Improvement | 4 | $895,000 | $223,000 | $691,000 | $112,000 | $360,000 |
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 | 2,106 | $378,204,000 | $175,280 | $1,500,000 | $94,280 | $2,100,000 |
| Not Provided | 310 | $56,578,000 | $178,066 | $640,000 | $93,600 | $2,100,000 |
| Hispanic | 268 | $48,832,000 | $159,833 | $962,000 | $71,500 | $299,000 |
| Black or African American | 176 | $29,934,000 | $140,181 | $432,000 | $73,181 | $605,000 |
| Asian | 141 | $29,981,000 | $166,555 | $650,000 | $76,111 | $196,000 |
| Not applicable | 55 | $11,007,000 | $210,333 | $1,325,000 | $50,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $3,800,000 | $150,800 | $427,000 | $66,200 | $182,000 |
| American Indian or Alaskan Native | 22 | $5,563,000 | $218,750 | $427,000 | $124,250 | $195,000 |
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) | 3,066 | $560,273,000 | $176,703 | $1,500,000 | $92,629 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,626,000 | $103,500 | $203,000 | $30,000 | $77,000 |
| 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 | 2,362 | $417,642,000 | $168,384 | $1,500,000 | $87,500 | $2,100,000 |
| Application Denied By Financial Institution | 309 | $59,350,000 | $181,111 | $1,000,000 | $87,944 | $2,100,000 |
| Application Approved But Not Accepted | 292 | $59,585,000 | $237,833 | $991,000 | $104,333 | $709,000 |
| File Closed For Incompleteness | 87 | $16,924,000 | $187,076 | $527,000 | $101,384 | $457,000 |
| Application Withdrawn By Applicant | 51 | $10,398,000 | $191,000 | $536,000 | $84,000 | $316,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 115 | $20,484,000 | $151,083 | $1,000,000 | $98,000 | $401,000 |
| Debt-To-Income Ratio | 73 | $14,701,000 | $212,090 | $770,000 | $60,181 | $432,000 |
| Collateral | 41 | $9,689,000 | $187,222 | $962,000 | $102,333 | $2,100,000 |
| Credit History | 32 | $6,722,000 | $225,555 | $650,000 | $89,555 | $277,000 |
| Unverifiable Information | 22 | $4,190,000 | $154,125 | $401,000 | $83,750 | $299,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,615,000 | $163,000 | $316,000 | $122,000 | $177,000 |
| Employment History | 7 | $716,000 | $105,333 | $185,000 | $46,333 | $127,000 |
| Mortgage Insurance Denied | 5 | $542,000 | $118,000 | $147,000 | $84,000 | $192,000 |
| Credit Application Incomplete | 4 | $691,000 | $172,750 | $325,000 | $102,750 | $196,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Florida Bank, N. A.'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 Florida Bank, N. A.'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 South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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