Peoples First Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Peoples First Community Bank 2004 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 | Peoples First Community Bank 1022 W 23Rd Street Panama City, FL 32405 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,933 |
| Total Mortgage Loan Application Amount | $638,582,000 |
| Average Mortgage Loan Application Amount | $184,875 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $98,250 |
| Highest Applicant Income | $1,440,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Peoples First Community Bank. 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 Peoples First Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Peoples First Community Bank'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 Peoples First Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Peoples First Community Bank, 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 Peoples First Community Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bay County Florida | 977 | $ 140,808,000 | $ 144,000 | $ 60,000 |
| Escambia County Florida | 489 | $ 58,281,000 | $ 119,000 | $ 58,000 |
| Leon County Florida | 466 | $ 67,378,000 | $ 144,000 | $ 62,000 |
| Santa Rosa County Florida | 315 | $ 50,300,000 | $ 159,000 | $ 65,000 |
| Okaloosa County Florida | 230 | $ 39,492,000 | $ 171,000 | $ 65,000 |
| Flagler County Florida | 205 | $ 37,251,000 | $ 181,000 | $ 71,000 |
| Volusia County Florida | 184 | $ 28,954,000 | $ 157,000 | $ 68,000 |
| Duval County Florida | 173 | $ 34,621,000 | $ 200,000 | $ 71,000 |
| Orange County Florida | 147 | $ 39,154,000 | $ 266,000 | $ 112,000 |
| Lake County Florida | 145 | $ 25,797,000 | $ 177,000 | $ 80,000 |
| Seminole County Florida | 80 | $ 17,857,000 | $ 223,000 | $ 80,000 |
| Gadsden County Florida | 67 | $ 8,729,000 | $ 130,000 | $ 48,000 |
| Walton County Florida | 66 | $ 17,705,000 | $ 268,000 | $ 137,000 |
| Jackson County Florida | 62 | $ 4,330,000 | $ 69,000 | $ 38,000 |
| St. Johns County Florida | 54 | $ 17,797,000 | $ 329,000 | $ 113,000 |
| Wakulla County Florida | 37 | $ 4,568,000 | $ 123,000 | $ 56,000 |
| Osceola County Florida | 36 | $ 9,886,000 | $ 274,000 | $ 131,000 |
| Washington County Florida | 34 | $ 2,977,000 | $ 87,000 | $ 46,000 |
| Baldwin County Alabama | 22 | $ 3,342,000 | $ 151,000 | $ 66,000 |
| Polk County Florida | 18 | $ 3,143,000 | $ 174,000 | $ 119,000 |
| Franklin County Florida | 16 | $ 7,185,000 | $ 449,000 | $ 214,000 |
| Jefferson County Florida | 14 | $ 2,692,000 | $ 192,000 | $ 74,000 |
| Nassau County Florida | 14 | $ 3,875,000 | $ 276,000 | $ 122,000 |
| Gulf County Florida | 12 | $ 1,010,000 | $ 84,000 | $ 100,000 |
| Clay County Florida | 9 | $ 1,749,000 | $ 194,000 | $ 82,000 |
| Calhoun County Florida | 8 | $ 519,000 | $ 64,000 | $ 48,000 |
| Marion County Florida | 7 | $ 1,370,000 | $ 195,000 | $ 73,000 |
| Brevard County Florida | 6 | $ 1,333,000 | $ 222,000 | $ 141,000 |
| Putnam County Florida | 6 | $ 1,273,000 | $ 212,000 | $ 222,000 |
| Liberty County Florida | 5 | $ 441,000 | $ 88,000 | $ 53,000 |
| St. Lucie County Florida | 4 | $ 520,000 | $ 130,000 | $ 77,000 |
| Pasco County Florida | 3 | $ 167,000 | $ 55,000 | $ 69,000 |
| Taylor County Florida | 3 | $ 320,000 | $ 106,000 | $ 119,000 |
| Hernando County Florida | 2 | $ 350,000 | $ 175,000 | $ 89,000 |
| Hillsborough County Florida | 2 | $ 332,000 | $ 166,000 | $ 73,000 |
| Sumter County Florida | 2 | $ 371,000 | $ 185,000 | $ 58,000 |
| Grady County Georgia | 2 | $ 168,000 | $ 84,000 | $ 59,000 |
| Houston County Alabama | 1 | $ 60,000 | $ 60,000 | $ 10,000 |
| Mobile County Alabama | 1 | $ 110,000 | $ 110,000 | $ 67,000 |
| Lee County Florida | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Manatee County Florida | 1 | $ 321,000 | $ 321,000 | $ 165,000 |
| Martin County Florida | 1 | $ 328,000 | $ 328,000 | $ 109,000 |
| Pinellas County Florida | 1 | $ 432,000 | $ 432,000 | $ 222,000 |
| Glynn County Georgia | 1 | $ 67,000 | $ 67,000 | $ 43,000 |
| Harris County Georgia | 1 | $ 164,000 | $ 164,000 | $ 388,000 |
| Moore County North Carolina | 1 | $ 570,000 | $ 570,000 | $ 359,000 |
| Rutherford County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Fairfax County Virginia | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Peoples First Community Bank 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 | 3,259 | $535,466,000 | $207,200 | $2,255,000 | $110,000 | $1,440,000 |
| Refinancing | 615 | $97,272,000 | $172,000 | $4,000,000 | $75,500 | $1,020,000 |
| Home Improvement | 59 | $5,844,000 | $99,000 | $750,000 | $85,000 | $519,000 |
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 | 2,989 | $497,179,000 | $211,400 | $2,255,000 | $122,800 | $1,440,000 |
| Black or African American | 327 | $43,430,000 | $86,666 | $500,000 | $37,666 | $312,000 |
| Not Provided | 307 | $47,346,000 | $132,000 | $4,000,000 | $70,000 | $840,000 |
| Hispanic | 146 | $21,781,000 | $149,000 | $407,000 | $65,000 | $323,000 |
| Asian | 76 | $13,777,000 | $181,000 | $1,330,000 | $78,000 | $300,000 |
| Not applicable | 62 | $10,724,000 | $191,000 | $2,000,000 | $8,000 | $152,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,027,000 | $189,000 | $740,000 | $77,000 | $240,000 |
| American Indian or Alaskan Native | 10 | $1,318,000 | $131,000 | $234,000 | $103,000 | $457,000 |
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) | 3,092 | $546,917,000 | $211,400 | $4,000,000 | $114,000 | $1,440,000 |
| FHA-insured (Federal Housing Administration) | 573 | $51,851,000 | $90,000 | $180,000 | $37,000 | $248,000 |
| VA-guaranteed (Veterans Administration) | 268 | $39,814,000 | $147,500 | $278,000 | $54,000 | $157,000 |
| 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 | 2,846 | $459,462,000 | $211,600 | $2,205,000 | $118,200 | $1,404,000 |
| Application Withdrawn By Applicant | 433 | $75,124,000 | $162,000 | $2,255,000 | $72,000 | $1,440,000 |
| Application Denied By Financial Institution | 395 | $60,491,000 | $103,333 | $4,000,000 | $45,666 | $972,000 |
| Application Approved But Not Accepted | 175 | $26,159,000 | $146,000 | $950,000 | $96,000 | $252,000 |
| File Closed For Incompleteness | 84 | $17,346,000 | $206,000 | $1,330,000 | $82,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 138 | $14,885,000 | $84,000 | $1,440,000 | $33,500 | $850,000 |
| Debt-To-Income Ratio | 79 | $11,071,000 | $104,000 | $726,000 | $44,500 | $360,000 |
| Other | 71 | $17,897,000 | $186,500 | $4,000,000 | $73,000 | $768,000 |
| Credit Application Incomplete | 40 | $7,395,000 | $184,000 | $399,000 | $81,000 | $972,000 |
| Collateral | 34 | $3,752,000 | $110,000 | $300,000 | $58,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,806,000 | $187,000 | $495,000 | $104,000 | $296,000 |
| Unverifiable Information | 9 | $1,364,000 | $151,000 | $198,000 | $108,000 | $246,000 |
| Employment History | 6 | $533,000 | $88,000 | $200,000 | $36,000 | $63,000 |
| Mortgage Insurance Denied | 3 | $788,000 | $262,000 | $423,000 | $70,000 | $105,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples First Community Bank'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 Peoples First Community 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.