Florida Central Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Florida Central Credit Union 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Florida Central Credit Union 3333 Henderson Blvd Tampa, FL 33609 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 778 |
| Total Mortgage Loan Application Amount | $92,920,000 |
| Average Mortgage Loan Application Amount | $119,333 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $614,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Florida Central Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Florida Central Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Florida Central Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Florida Central Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Florida Central Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Florida Central Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hillsborough County Florida | 164 | $ 21,720,000 | $ 132,000 | $ 89,000 |
| Pinellas County Florida | 129 | $ 15,235,000 | $ 118,000 | $ 94,000 |
| Manatee County Florida | 90 | $ 10,260,000 | $ 114,000 | $ 92,000 |
| Charlotte County Florida | 63 | $ 6,405,000 | $ 101,000 | $ 74,000 |
| Sarasota County Florida | 55 | $ 6,555,000 | $ 119,000 | $ 89,000 |
| Polk County Florida | 49 | $ 5,335,000 | $ 108,000 | $ 90,000 |
| Pasco County Florida | 43 | $ 4,975,000 | $ 115,000 | $ 90,000 |
| Calcasieu County Louisiana | 14 | $ 1,280,000 | $ 91,000 | $ 0 |
| Broward County Florida | 7 | $ 435,000 | $ 62,000 | $ 0 |
| Duval County Florida | 4 | $ 460,000 | $ 115,000 | $ 0 |
| Hernando County Florida | 4 | $ 300,000 | $ 75,000 | $ 91,000 |
| Marion County Florida | 4 | $ 340,000 | $ 85,000 | $ 0 |
| Rapides County Louisiana | 4 | $ 250,000 | $ 62,000 | $ 0 |
| Citrus County Florida | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Columbia County Florida | 3 | $ 235,000 | $ 78,000 | $ 0 |
| Lake County Florida | 3 | $ 135,000 | $ 45,000 | $ 105,000 |
| Suwannee County Florida | 3 | $ 245,000 | $ 81,000 | $ 0 |
| Livingston County Louisiana | 3 | $ 275,000 | $ 91,000 | $ 0 |
| St. Martin County Louisiana | 3 | $ 145,000 | $ 48,000 | $ 0 |
| Conecuh County Alabama | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Cullman County Alabama | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Dallas County Alabama | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Houston County Alabama | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Jefferson County Alabama | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Tuscaloosa County Alabama | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Walker County Alabama | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Brevard County Florida | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Flagler County Florida | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Lee County Florida | 2 | $ 100,000 | $ 50,000 | $ 73,000 |
| Orange County Florida | 2 | $ 210,000 | $ 105,000 | $ 190,000 |
| Putnam County Florida | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Seminole County Florida | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| St. Johns County Florida | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Volusia County Florida | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Acadia County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Ascension County Louisiana | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Vernon County Louisiana | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Liberty County Texas | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Medina County Texas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Autauga County Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Bibb County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Calhoun County Alabama | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Chambers County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Elmore County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lowndes County Alabama | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Marengo County Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Shelby County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| St. Clair County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Talladega County Alabama | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Tallapoosa County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Winston County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Alachua County Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Baker County Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Bradford County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| DeSoto County Florida | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Gilchrist County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Glades County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Holmes County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Indian River County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Leon County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Nassau County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Okeechobee County Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Osceola County Florida | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Sumter County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Union County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Walton County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jefferson Davis County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| La Salle County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lafourche County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Red River County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Tammany County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| West Baton Rouge County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Winn County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Briscoe County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Callahan County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Coke County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Fayette County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Grayson County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Henderson County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hopkins County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Howard County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Jones County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Kaufman County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Limestone County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Nueces County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Rusk County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
Mortgage Loan Application Detail Totals for Florida Central Credit Union in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 288 | $51,670,000 | $179,000 | $545,000 | $89,000 | $510,000 |
| Home Improvement | 282 | $14,600,000 | $51,000 | $205,000 | $90,000 | $614,000 |
| Home Purchase | 208 | $26,650,000 | $128,000 | $505,000 | $66,000 | $222,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 391 | $48,235,000 | $123,000 | $545,000 | $89,000 | $614,000 |
| Not applicable | 154 | $14,540,000 | $94,000 | $195,000 | $0 | $0 |
| Black or African American | 81 | $10,035,000 | $123,000 | $335,000 | $66,000 | $211,000 |
| Hispanic | 70 | $9,580,000 | $136,000 | $405,000 | $88,000 | $510,000 |
| Not Provided | 61 | $7,165,000 | $117,000 | $315,000 | $98,000 | $426,000 |
| Asian | 10 | $1,390,000 | $139,000 | $305,000 | $101,000 | $163,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $220,000 | $110,000 | $175,000 | $81,000 | $98,000 |
| 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) | 778 | $92,920,000 | $119,000 | $545,000 | $87,000 | $614,000 |
| 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 | 340 | $40,370,000 | $118,000 | $545,000 | $94,000 | $614,000 |
| Loan Purchased By The Institution | 155 | $14,575,000 | $94,000 | $195,000 | $78,000 | $78,000 |
| Application Denied By Financial Institution | 128 | $14,360,000 | $112,000 | $505,000 | $61,000 | $266,000 |
| Application Withdrawn By Applicant | 112 | $15,330,000 | $136,000 | $485,000 | $94,000 | $510,000 |
| File Closed For Incompleteness | 43 | $8,285,000 | $192,000 | $415,000 | $95,000 | $399,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 650 | $78,560,000 | $120,000 | $545,000 | $94,000 | $614,000 |
| Credit History | 67 | $8,385,000 | $125,000 | $505,000 | $66,000 | $223,000 |
| Debt-To-Income Ratio | 26 | $2,380,000 | $91,000 | $295,000 | $48,000 | $140,000 |
| Collateral | 12 | $680,000 | $56,000 | $145,000 | $73,000 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,195,000 | $132,000 | $265,000 | $35,000 | $107,000 |
| Employment History | 8 | $1,040,000 | $130,000 | $205,000 | $46,000 | $80,000 |
| Unverifiable Information | 5 | $475,000 | $95,000 | $215,000 | $112,000 | $266,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Florida Central Credit Union's 2021 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 Central Credit Union'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.