Old Florida Bank Mortgage Lending & HMDA Data, 2014
In 2014, Old Florida Bank of Orlando, FL reported 160 mortgage applications totaling $69.6 million. The average application was for $434,881, and applicants reported an average income of $224,956. 77% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (122), Deltona-Daytona Beach-Ormond Beach, FL (17) and Homosassa Springs, FL (12) (applications in parentheses).
| Mortgage Company & Address | Old Florida Bank 315 East Robinson Street, Suite 350 Orlando, FL 32801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 |
| Total Number of Mortgage Applications | 160 |
| Total Mortgage Loan Application Amount | $69,581,000 |
| Average Mortgage Loan Application Amount | $434,881 |
| Highest Mortgage Loan Application Amount | $3,800,000 |
| Average Applicant Income | $224,956 |
| Highest Applicant Income | $3,275,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Old Florida Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orlando-Kissimmee-Sanford, FL | 122 | $ 60,881,000 | $ 499,024 | $ 240,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 17 | $ 4,612,000 | $ 271,294 | $ 137,000 |
| Homosassa Springs, FL | 12 | $ 1,353,000 | $ 112,750 | $ 183,000 |
| The Villages, FL | 2 | $ 568,000 | $ 284,000 | $ 24,000 |
| Jacksonville, FL | 1 | $ 552,000 | $ 552,000 | $ 406,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 416,000 | $ 416,000 | $ 218,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 220,000 | $ 220,000 | $ 808,000 |
| Port St. Lucie, FL | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Sebastian-Vero Beach, FL | 1 | $ 512,000 | $ 512,000 | $ 329,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 290,000 | $ 290,000 | $ 276,000 |
Mortgage Loan Application Detail Totals for Old Florida Bank in 2014
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 | 111 | $49,296,000 | $444,000 | $2,279,000 | $239,000 | $3,275,000 |
| Refinancing | 42 | $18,183,000 | $432,000 | $3,800,000 | $199,000 | $851,000 |
| Home Improvement | 7 | $2,102,000 | $300,000 | $1,016,000 | $158,000 | $289,000 |
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 | 124 | $52,502,000 | $423,000 | $3,800,000 | $228,000 | $1,384,000 |
| Not applicable | 13 | $7,298,000 | $561,000 | $1,430,000 | $4,000 | $64,000 |
| Hispanic | 13 | $3,830,000 | $294,000 | $824,000 | $189,000 | $533,000 |
| Asian | 5 | $2,288,000 | $457,000 | $844,000 | $247,000 | $419,000 |
| Black or African American | 3 | $1,359,000 | $453,000 | $681,000 | $216,000 | $365,000 |
| Not Provided | 2 | $2,304,000 | $1,152,000 | $2,279,000 | $1,687,000 | $3,275,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 157 | $69,214,000 | $440,000 | $3,800,000 | $229,000 | $3,275,000 |
| FHA-insured (Federal Housing Administration) | 2 | $312,000 | $156,000 | $167,000 | $57,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 1 | $55,000 | $55,000 | $55,000 | $18,000 | $18,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 123 | $55,297,000 | $449,000 | $2,279,000 | $247,000 | $3,275,000 |
| Application Denied By Financial Institution | 22 | $10,464,000 | $475,000 | $3,800,000 | $169,000 | $851,000 |
| Application Approved But Not Accepted | 11 | $3,105,000 | $282,000 | $695,000 | $124,000 | $414,000 |
| Application Withdrawn By Applicant | 3 | $690,000 | $230,000 | $417,000 | $154,000 | $310,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $100,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $6,225,000 | $778,000 | $3,800,000 | $257,000 | $851,000 |
| Debt-To-Income Ratio | 8 | $1,661,000 | $207,000 | $405,000 | $84,000 | $213,000 |
| Credit History | 4 | $1,468,000 | $367,000 | $776,000 | $103,000 | $207,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $824,000 | $824,000 | $824,000 | $469,000 | $469,000 |
| Other | 1 | $286,000 | $286,000 | $286,000 | $109,000 | $109,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Old Florida Bank's 2014 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 Old Florida Bank'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.
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