Pilot Bank Mortgage Lending & HMDA Data, 2008
In 2008, Pilot Bank of Tampa, FL reported 727 mortgage applications totaling $51.3 million, up 1354% from 2007. The average application was for $70,537, and applicants reported an average income of $57,493. 5% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (51), Birmingham-Hoover, AL (33) and Lake Charles, LA (28) (applications in parentheses).
| Mortgage Company & Address | Pilot Bank 12471 W. Linebaugh Ave Tampa, FL 33626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 727 |
| Total Mortgage Loan Application Amount | $51,281,000 |
| Average Mortgage Loan Application Amount | $70,537 |
| Highest Mortgage Loan Application Amount | $2,519,000 |
| Average Applicant Income | $57,493 |
| Highest Applicant Income | $456,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pilot Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 51 | $ 11,193,000 | $ 219,470 | $ 100,000 |
| Birmingham-Hoover, AL | 33 | $ 1,809,000 | $ 54,818 | $ 46,000 |
| Lake Charles, LA | 28 | $ 1,386,000 | $ 49,500 | $ 58,000 |
| Lakeland-Winter Haven, FL | 22 | $ 1,803,000 | $ 81,954 | $ 67,000 |
| Tulsa, OK | 18 | $ 965,000 | $ 53,611 | $ 45,000 |
| Dothan, AL | 17 | $ 786,000 | $ 46,235 | $ 40,000 |
| Jacksonville, FL | 16 | $ 956,000 | $ 59,750 | $ 70,000 |
| Shreveport-Bossier City, LA | 14 | $ 671,000 | $ 47,928 | $ 46,000 |
| Alexandria, LA | 13 | $ 672,000 | $ 51,692 | $ 47,000 |
| Cape Coral-Fort Myers, FL | 13 | $ 1,080,000 | $ 83,076 | $ 79,000 |
| Orlando-Kissimmee, FL | 13 | $ 780,000 | $ 60,000 | $ 47,000 |
| Montgomery, AL | 10 | $ 469,000 | $ 46,900 | $ 50,000 |
| Baton Rouge, LA | 9 | $ 509,000 | $ 56,555 | $ 44,000 |
| Fort Smith, AR-OK | 7 | $ 339,000 | $ 48,428 | $ 41,714 |
| Lafayette, LA | 7 | $ 369,000 | $ 52,714 | $ 51,000 |
| Florence-Muscle Shoals, AL | 6 | $ 334,000 | $ 55,666 | $ 62,000 |
| Mobile, AL | 6 | $ 212,000 | $ 35,333 | $ 37,000 |
| Pine Bluff, AR | 6 | $ 351,000 | $ 58,500 | $ 46,000 |
| Anniston-Oxford, AL | 5 | $ 288,000 | $ 57,600 | $ 62,000 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 236,000 | $ 47,200 | $ 46,000 |
| Gulfport-Biloxi, MS | 5 | $ 218,000 | $ 43,600 | $ 43,000 |
| Houma-Bayou Cane-Thibodaux, LA | 5 | $ 377,000 | $ 75,400 | $ 68,000 |
| Knoxville, TN | 5 | $ 274,000 | $ 54,800 | $ 28,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 272,000 | $ 54,400 | $ 35,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 338,000 | $ 67,600 | $ 58,000 |
| Oklahoma City, OK | 5 | $ 184,000 | $ 36,800 | $ 29,000 |
| Tuscaloosa, AL | 5 | $ 256,000 | $ 51,200 | $ 50,000 |
| Gadsden, AL | 4 | $ 308,000 | $ 77,000 | $ 48,000 |
| Gainesville, FL | 4 | $ 348,000 | $ 87,000 | $ 60,000 |
| Jackson, MS | 4 | $ 342,000 | $ 85,500 | $ 63,000 |
| Pascagoula, MS | 4 | $ 217,000 | $ 54,250 | $ 52,000 |
| Valdosta, GA | 4 | $ 470,000 | $ 117,500 | $ 45,000 |
| Chattanooga, TN-GA | 3 | $ 269,000 | $ 89,666 | $ 36,000 |
| Memphis, TN-MS-AR | 3 | $ 100,000 | $ 33,333 | $ 63,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 157,000 | $ 52,333 | $ 36,000 |
| Monroe, LA | 3 | $ 194,000 | $ 64,666 | $ 83,000 |
| Ocala, FL | 3 | $ 214,000 | $ 71,333 | $ 41,000 |
| Panama City-Lynn Haven, FL | 3 | $ 231,000 | $ 77,000 | $ 50,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 254,000 | $ 84,666 | $ 62,000 |
| Tallahassee, FL | 3 | $ 197,000 | $ 65,666 | $ 41,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 149,000 | $ 49,666 | $ 158,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 61,000 | $ 30,500 | $ 30,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 82,000 | $ 41,000 | $ 45,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 166,000 | $ 83,000 | $ 77,000 |
| Hattiesburg, MS | 2 | $ 126,000 | $ 63,000 | $ 63,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 113,000 | $ 56,500 | $ 31,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 126,000 | $ 63,000 | $ 54,000 |
| Palm Coast, FL | 2 | $ 65,000 | $ 32,500 | $ 48,000 |
| Port St. Lucie, FL | 2 | $ 149,000 | $ 74,500 | $ 41,000 |
| Auburn-Opelika, AL | 1 | $ 34,000 | $ 34,000 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 36,000 | $ 36,000 | $ 39,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 432,000 | $ 432,000 | $ 371,000 |
| Coeur D'Alene, ID | 1 | $ 42,000 | $ 42,000 | $ 39,000 |
| Columbus, GA-AL | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Flagstaff, AZ | 1 | $ 59,000 | $ 59,000 | $ 90,000 |
| Hot Springs, AR | 1 | $ 46,000 | $ 46,000 | $ 35,000 |
| Jonesboro, AR | 1 | $ 29,000 | $ 29,000 | $ 26,000 |
| Lawton, OK | 1 | $ 98,000 | $ 98,000 | $ 73,000 |
| Longview, WA | 1 | $ 31,000 | $ 31,000 | $ 46,000 |
| Macon, GA | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Morristown, TN | 1 | $ 37,000 | $ 37,000 | $ 18,000 |
| Naples-Marco Island, FL | 1 | $ 139,000 | $ 139,000 | $ 153,000 |
| Olympia, WA | 1 | $ 42,000 | $ 42,000 | $ 31,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 37,000 | $ 37,000 | $ 79,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
| Spokane, WA | 1 | $ 54,000 | $ 54,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Pilot Bank 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 | 692 | $41,980,000 | $60,000 | $582,000 | $55,000 | $400,000 |
| Refinancing | 28 | $8,356,000 | $298,000 | $2,519,000 | $109,000 | $456,000 |
| Home Improvement | 7 | $945,000 | $135,000 | $710,000 | $98,000 | $306,000 |
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 | 618 | $38,967,000 | $63,000 | $710,000 | $57,000 | $456,000 |
| Black or African American | 46 | $2,410,000 | $52,000 | $110,000 | $52,000 | $208,000 |
| Not Provided | 25 | $4,513,000 | $180,000 | $2,519,000 | $68,000 | $228,000 |
| Hispanic | 24 | $1,358,000 | $56,000 | $196,000 | $72,000 | $370,000 |
| American Indian or Alaskan Native | 9 | $959,000 | $106,000 | $432,000 | $99,000 | $200,000 |
| Not applicable | 3 | $2,875,000 | $958,000 | $2,425,000 | $0 | $0 |
| Asian | 2 | $199,000 | $99,000 | $101,000 | $124,000 | $218,000 |
| 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) | 727 | $51,281,000 | $70,000 | $2,519,000 | $58,000 | $456,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 312 | $18,858,000 | $60,000 | $176,000 | $58,000 | $400,000 |
| Loan Purchased By The Institution | 193 | $10,437,000 | $54,000 | $168,000 | $54,000 | $208,000 |
| Application Denied By Financial Institution | 159 | $12,976,000 | $81,000 | $2,519,000 | $48,000 | $228,000 |
| Loan Originated | 34 | $4,341,000 | $127,000 | $710,000 | $114,000 | $456,000 |
| Application Withdrawn By Applicant | 29 | $4,669,000 | $161,000 | $2,425,000 | $63,000 | $371,000 |
| File Closed For Incompleteness | 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 | 99 | $5,500,000 | $55,000 | $133,000 | $46,000 | $129,000 |
| Debt-To-Income Ratio | 22 | $5,004,000 | $227,000 | $2,519,000 | $67,000 | $228,000 |
| Employment History | 15 | $810,000 | $54,000 | $147,000 | $34,000 | $62,000 |
| Collateral | 4 | $417,000 | $104,000 | $247,000 | $61,000 | $96,000 |
| Other | 3 | $187,000 | $62,000 | $120,000 | $43,000 | $79,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pilot Bank'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 Pilot 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
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