Neighborhood Funding Mortgage Lending & HMDA Data, 2008
In 2008, Neighborhood Funding of Tampa, FL reported 388 mortgage applications totaling $53.9 million. The average application was for $138,871, and applicants reported an average income of $57,293. 70% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Augusta-Richmond County, GA-SC (47), Tampa-St. Petersburg-Clearwater, FL (35) and Atlanta-Sandy Springs-Marietta, GA (33) (applications in parentheses).
| Mortgage Company & Address | Neighborhood Funding 8910 N. Dale Mabry Hwy. Suite #18 Tampa, FL 33614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 |
| Total Number of Mortgage Applications | 388 |
| Total Mortgage Loan Application Amount | $53,882,000 |
| Average Mortgage Loan Application Amount | $138,871 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $57,293 |
| Highest Applicant Income | $264,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Neighborhood Funding filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Richmond, Georgia | 30 | $ 3,589,000 | $ 119,633 | $ 53,000 |
| Hillsborough, Florida | 15 | $ 2,530,000 | $ 168,666 | $ 79,000 |
| Pasco, Florida | 13 | $ 1,714,000 | $ 131,846 | $ 52,000 |
| Bibb, Georgia | 13 | $ 1,688,000 | $ 129,846 | $ 53,000 |
| Davidson, Tennessee | 13 | $ 1,849,000 | $ 142,230 | $ 59,000 |
| Miami-Dade, Florida | 11 | $ 2,302,000 | $ 209,272 | $ 62,000 |
| Orange, Florida | 11 | $ 2,054,000 | $ 186,727 | $ 69,000 |
| Brantley, Georgia | 10 | $ 1,082,000 | $ 108,200 | $ 44,000 |
| Bulloch, Georgia | 10 | $ 1,349,000 | $ 134,900 | $ 59,000 |
| Aiken, South Carolina | 10 | $ 1,149,000 | $ 114,900 | $ 47,000 |
| Pinellas, Florida | 8 | $ 1,047,000 | $ 130,875 | $ 53,000 |
| Bryan, Georgia | 8 | $ 1,103,000 | $ 137,875 | $ 76,000 |
| Columbia, Georgia | 8 | $ 1,360,000 | $ 170,000 | $ 59,000 |
| Evans, Georgia | 8 | $ 960,000 | $ 120,000 | $ 45,000 |
| Effingham, Georgia | 7 | $ 1,099,000 | $ 157,000 | $ 65,000 |
| Lee, Florida | 6 | $ 578,000 | $ 96,333 | $ 45,000 |
| DeKalb, Georgia | 6 | $ 803,000 | $ 133,833 | $ 66,000 |
| Palm Beach, Florida | 5 | $ 829,000 | $ 165,800 | $ 72,000 |
| Polk, Florida | 5 | $ 672,000 | $ 134,400 | $ 52,000 |
| Emanuel, Georgia | 5 | $ 487,000 | $ 97,400 | $ 35,000 |
| Fulton, Georgia | 5 | $ 1,040,000 | $ 208,000 | $ 72,000 |
| Newton, Georgia | 5 | $ 644,000 | $ 128,800 | $ 57,000 |
| Tattnall, Georgia | 5 | $ 538,000 | $ 107,600 | $ 54,000 |
| Ware, Georgia | 5 | $ 487,000 | $ 97,400 | $ 60,000 |
| Broward, Florida | 4 | $ 453,000 | $ 113,250 | $ 39,000 |
| Flagler, Florida | 4 | $ 667,000 | $ 166,750 | $ 66,000 |
| Burke, Georgia | 4 | $ 434,000 | $ 108,500 | $ 62,000 |
| Cobb, Georgia | 4 | $ 971,000 | $ 242,750 | $ 74,000 |
| Wayne, Georgia | 4 | $ 500,000 | $ 125,000 | $ 85,000 |
| Florence, South Carolina | 4 | $ 712,000 | $ 178,000 | $ 47,000 |
| Wilson, Tennessee | 4 | $ 797,000 | $ 199,250 | $ 69,000 |
| Citrus, Florida | 3 | $ 408,000 | $ 136,000 | $ 43,000 |
| Manatee, Florida | 3 | $ 422,000 | $ 140,666 | $ 57,000 |
| Seminole, Florida | 3 | $ 472,000 | $ 157,333 | $ 68,000 |
| Douglas, Georgia | 3 | $ 396,000 | $ 132,000 | $ 49,000 |
| Glynn, Georgia | 3 | $ 362,000 | $ 120,666 | $ 40,000 |
| Gwinnett, Georgia | 3 | $ 624,000 | $ 208,000 | $ 103,000 |
| Laurens, Georgia | 3 | $ 282,000 | $ 94,000 | $ 93,000 |
| Liberty, Georgia | 3 | $ 352,000 | $ 117,333 | $ 73,000 |
| Robertson, Tennessee | 3 | $ 478,000 | $ 159,333 | $ 60,000 |
| Rutherford, Tennessee | 3 | $ 356,000 | $ 118,666 | $ 36,000 |
| Collier, Florida | 2 | $ 237,000 | $ 118,500 | $ 55,000 |
| Duval, Florida | 2 | $ 288,000 | $ 144,000 | $ 40,000 |
| Escambia, Florida | 2 | $ 207,000 | $ 103,500 | $ 49,000 |
| Hernando, Florida | 2 | $ 274,000 | $ 137,000 | $ 62,000 |
| Osceola, Florida | 2 | $ 361,000 | $ 180,500 | $ 43,000 |
| Volusia, Florida | 2 | $ 344,000 | $ 172,000 | $ 130,000 |
| Candler, Georgia | 2 | $ 181,000 | $ 90,500 | $ 50,000 |
| Chatham, Georgia | 2 | $ 228,000 | $ 114,000 | $ 92,000 |
| Coffee, Georgia | 2 | $ 224,000 | $ 112,000 | $ 69,000 |
| Crawford, Georgia | 2 | $ 158,000 | $ 79,000 | $ 37,000 |
| Henry, Georgia | 2 | $ 286,000 | $ 143,000 | $ 82,000 |
| Houston, Georgia | 2 | $ 188,000 | $ 94,000 | $ 46,000 |
| Jackson, Georgia | 2 | $ 284,000 | $ 142,000 | $ 46,000 |
| Jones, Georgia | 2 | $ 364,000 | $ 182,000 | $ 111,000 |
| McIntosh, Georgia | 2 | $ 257,000 | $ 128,500 | $ 64,000 |
| Spalding, Georgia | 2 | $ 333,000 | $ 166,500 | $ 76,000 |
| Telfair, Georgia | 2 | $ 188,000 | $ 94,000 | $ 35,000 |
| Wheeler, Georgia | 2 | $ 181,000 | $ 90,500 | $ 30,000 |
| Cass, Indiana | 2 | $ 131,000 | $ 65,500 | $ 35,000 |
| Elkhart, Indiana | 2 | $ 185,000 | $ 92,500 | $ 59,000 |
| St. Joseph, Indiana | 2 | $ 306,000 | $ 153,000 | $ 68,000 |
| Dillon, South Carolina | 2 | $ 211,000 | $ 105,500 | $ 34,000 |
| Cumberland, Tennessee | 2 | $ 237,000 | $ 118,500 | $ 38,000 |
| Hamilton, Tennessee | 2 | $ 295,000 | $ 147,500 | $ 55,000 |
| Sumner, Tennessee | 2 | $ 285,000 | $ 142,500 | $ 68,000 |
| Madison, Alabama | 1 | $ 83,000 | $ 83,000 | $ 37,000 |
| Alachua, Florida | 1 | $ 58,000 | $ 58,000 | $ 30,000 |
| Bay, Florida | 1 | $ 83,000 | $ 83,000 | $ 26,000 |
| Highlands, Florida | 1 | $ 92,000 | $ 92,000 | $ 27,000 |
| Holmes, Florida | 1 | $ 143,000 | $ 143,000 | $ 39,000 |
| Lake, Florida | 1 | $ 151,000 | $ 151,000 | $ 49,000 |
| Levy, Florida | 1 | $ 163,000 | $ 163,000 | $ 34,000 |
| Marion, Florida | 1 | $ 124,000 | $ 124,000 | $ 26,000 |
| Monroe, Florida | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
| Nassau, Florida | 1 | $ 187,000 | $ 187,000 | $ 60,000 |
| Sarasota, Florida | 1 | $ 148,000 | $ 148,000 | $ 73,000 |
| St. Lucie, Florida | 1 | $ 126,000 | $ 126,000 | $ 35,000 |
| Baldwin, Georgia | 1 | $ 187,000 | $ 187,000 | $ 36,000 |
| Banks, Georgia | 1 | $ 88,000 | $ 88,000 | $ 29,000 |
| Barrow, Georgia | 1 | $ 353,000 | $ 353,000 | $ 112,000 |
| Bartow, Georgia | 1 | $ 91,000 | $ 91,000 | $ 40,000 |
| Bleckley, Georgia | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Camden, Georgia | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Carroll, Georgia | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Cherokee, Georgia | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Clayton, Georgia | 1 | $ 109,000 | $ 109,000 | $ 33,000 |
| Coweta, Georgia | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Dougherty, Georgia | 1 | $ 102,000 | $ 102,000 | $ 41,000 |
| Fayette, Georgia | 1 | $ 221,000 | $ 221,000 | $ 86,000 |
| Gilmer, Georgia | 1 | $ 187,000 | $ 187,000 | $ 79,000 |
| Habersham, Georgia | 1 | $ 190,000 | $ 190,000 | $ 52,000 |
| Hall, Georgia | 1 | $ 91,000 | $ 91,000 | $ 42,000 |
| Haralson, Georgia | 1 | $ 51,000 | $ 51,000 | $ 79,000 |
| Johnson, Georgia | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Long, Georgia | 1 | $ 180,000 | $ 180,000 | $ 53,000 |
| Lowndes, Georgia | 1 | $ 83,000 | $ 83,000 | $ 34,000 |
| Lumpkin, Georgia | 1 | $ 107,000 | $ 107,000 | $ 78,000 |
| McDuffie, Georgia | 1 | $ 107,000 | $ 107,000 | $ 62,000 |
| Screven, Georgia | 1 | $ 132,000 | $ 132,000 | $ 39,000 |
| Treutlen, Georgia | 1 | $ 83,000 | $ 83,000 | $ 26,000 |
| Whitfield, Georgia | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Bartholomew, Indiana | 1 | $ 152,000 | $ 152,000 | $ 52,000 |
| Guilford, North Carolina | 1 | $ 193,000 | $ 193,000 | $ 72,000 |
| Portage, Ohio | 1 | $ 238,000 | $ 238,000 | $ 75,000 |
| Marion, Oregon | 1 | $ 232,000 | $ 232,000 | $ 60,000 |
| Multnomah, Oregon | 1 | $ 261,000 | $ 261,000 | $ 88,000 |
| Greenville, South Carolina | 1 | $ 168,000 | $ 168,000 | $ 63,000 |
| Jasper, South Carolina | 1 | $ 172,000 | $ 172,000 | $ 96,000 |
| Lexington, South Carolina | 1 | $ 81,000 | $ 81,000 | $ 55,000 |
| Marion, South Carolina | 1 | $ 64,000 | $ 64,000 | $ 24,000 |
| Richland, South Carolina | 1 | $ 91,000 | $ 91,000 | $ 41,000 |
| Coffee, Tennessee | 1 | $ 57,000 | $ 57,000 | $ 29,000 |
| DeKalb, Tennessee | 1 | $ 67,000 | $ 67,000 | $ 49,000 |
| Gibson, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Giles, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Johnson, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 18,000 |
| Knox, Tennessee | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| Sevier, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 39,000 |
| Shelby, Tennessee | 1 | $ 167,000 | $ 167,000 | $ 81,000 |
| Denton, Texas | 1 | $ 167,000 | $ 167,000 | $ 90,000 |
| Fort Bend, Texas | 1 | $ 320,000 | $ 320,000 | $ 102,000 |
| Harris, Texas | 1 | $ 237,000 | $ 237,000 | $ 93,000 |
| Montague, Texas | 1 | $ 69,000 | $ 69,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Neighborhood Funding in 2008
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 | 284 | $37,857,000 | $133,000 | $417,000 | $57,000 | $264,000 |
| Refinancing | 102 | $15,735,000 | $154,000 | $337,000 | $58,000 | $204,000 |
| Home Improvement | 2 | $290,000 | $145,000 | $202,000 | $63,000 | $98,000 |
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 | 205 | $27,584,000 | $134,000 | $417,000 | $60,000 | $264,000 |
| Black or African American | 113 | $15,829,000 | $140,000 | $354,000 | $54,000 | $132,000 |
| Hispanic | 33 | $5,226,000 | $158,000 | $325,000 | $58,000 | $101,000 |
| Not Provided | 33 | $4,530,000 | $137,000 | $238,000 | $54,000 | $132,000 |
| Asian | 3 | $570,000 | $190,000 | $320,000 | $67,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $143,000 | $143,000 | $143,000 | $56,000 | $56,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 363 | $49,811,000 | $137,000 | $354,000 | $57,000 | $204,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 11 | $2,160,000 | $196,000 | $417,000 | $89,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,176,000 | $130,000 | $197,000 | $52,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 5 | $735,000 | $147,000 | $197,000 | $60,000 | $102,000 |
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 | 273 | $38,090,000 | $139,000 | $417,000 | $59,000 | $264,000 |
| Application Denied By Financial Institution | 106 | $14,459,000 | $136,000 | $320,000 | $53,000 | $170,000 |
| Application Withdrawn By Applicant | 6 | $819,000 | $136,000 | $238,000 | $66,000 | $120,000 |
| Application Approved But Not Accepted | 3 | $514,000 | $171,000 | $237,000 | $72,000 | $93,000 |
| 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 | 4 | $629,000 | $157,000 | $193,000 | $62,000 | $73,000 |
| Debt-To-Income Ratio | 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 |
| 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 Neighborhood Funding's 2008 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 Neighborhood Funding'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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