Florida Community Bank, National Association Mortgage Lending & HMDA Data, 2016
In 2016, Florida Community Bank, National Association of Weston, FL reported 2,400 mortgage applications totaling $1.4 billion, up 3% from 2015. The average application was for $602,080, and applicants reported an average income of $265,636. 65% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cape Coral-Fort Myers, FL (528), Naples-Immokalee-Marco Island, FL (388) and Orlando-Kissimmee-Sanford, FL (232) (applications in parentheses).
| Mortgage Company & Address | Florida Community Bank, National Association 2500 Weston Road #300 Weston, FL 33331 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 2,400 |
| Total Mortgage Loan Application Amount | $1,444,993,000 |
| Average Mortgage Loan Application Amount | $602,080 |
| Highest Mortgage Loan Application Amount | $62,000,000 |
| Average Applicant Income | $265,636 |
| Highest Applicant Income | $8,368,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Florida Community Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lee, Florida | 528 | $ 203,159,000 | $ 384,770 | $ 239,000 |
| Collier, Florida | 388 | $ 277,866,000 | $ 716,149 | $ 425,000 |
| Broward, Florida | 203 | $ 115,494,000 | $ 568,935 | $ 286,000 |
| Miami-Dade, Florida | 196 | $ 265,307,000 | $ 1,353,607 | $ 317,000 |
| Orange, Florida | 151 | $ 68,950,000 | $ 456,622 | $ 314,000 |
| Palm Beach, Florida | 115 | $ 93,113,000 | $ 809,678 | $ 469,000 |
| Charlotte, Florida | 78 | $ 14,581,000 | $ 186,935 | $ 91,000 |
| Sarasota, Florida | 78 | $ 45,487,000 | $ 583,166 | $ 153,000 |
| St. Lucie, Florida | 55 | $ 10,310,000 | $ 187,454 | $ 118,000 |
| Volusia, Florida | 46 | $ 9,372,000 | $ 203,739 | $ 123,000 |
| Osceola, Florida | 43 | $ 13,327,000 | $ 309,930 | $ 239,000 |
| Brevard, Florida | 42 | $ 12,102,000 | $ 288,142 | $ 167,000 |
| Hillsborough, Florida | 36 | $ 21,640,000 | $ 601,111 | $ 170,000 |
| Indian River, Florida | 32 | $ 18,201,000 | $ 568,781 | $ 282,000 |
| Manatee, Florida | 30 | $ 19,624,000 | $ 654,133 | $ 207,000 |
| Lake, Florida | 20 | $ 10,349,000 | $ 517,450 | $ 246,000 |
| Polk, Florida | 19 | $ 4,400,000 | $ 231,578 | $ 129,000 |
| Seminole, Florida | 18 | $ 7,569,000 | $ 420,500 | $ 219,000 |
| Martin, Florida | 14 | $ 4,830,000 | $ 345,000 | $ 150,000 |
| Pinellas, Florida | 14 | $ 12,731,000 | $ 909,357 | $ 413,000 |
| San Diego, California | 13 | $ 8,243,000 | $ 634,076 | $ 0 |
| Los Angeles, California | 11 | $ 7,366,000 | $ 669,636 | $ 0 |
| San Francisco, California | 11 | $ 8,269,000 | $ 751,727 | $ 0 |
| Monroe, Florida | 11 | $ 9,184,000 | $ 834,909 | $ 780,000 |
| Santa Clara, California | 10 | $ 9,435,000 | $ 943,500 | $ 0 |
| New York, New York | 10 | $ 7,348,000 | $ 734,800 | $ 0 |
| Suffolk, New York | 8 | $ 8,251,000 | $ 1,031,375 | $ 0 |
| Maricopa, Arizona | 7 | $ 4,153,000 | $ 593,285 | $ 0 |
| San Mateo, California | 7 | $ 5,224,000 | $ 746,285 | $ 0 |
| Cook, Illinois | 7 | $ 3,702,000 | $ 528,857 | $ 0 |
| DuPage, Illinois | 7 | $ 5,502,000 | $ 786,000 | $ 0 |
| King, Washington | 7 | $ 6,148,000 | $ 878,285 | $ 0 |
| Hernando, Florida | 6 | $ 833,000 | $ 138,833 | $ 98,000 |
| Pasco, Florida | 6 | $ 5,392,000 | $ 898,666 | $ 164,000 |
| Alameda, California | 5 | $ 5,023,000 | $ 1,004,600 | $ 0 |
| Contra Costa, California | 5 | $ 4,146,000 | $ 829,200 | $ 0 |
| Orange, California | 5 | $ 5,130,000 | $ 1,026,000 | $ 0 |
| Westchester, New York | 5 | $ 5,181,000 | $ 1,036,200 | $ 0 |
| St. Johns, Florida | 4 | $ 2,685,000 | $ 671,250 | $ 219,000 |
| Kings, New York | 4 | $ 3,918,000 | $ 979,500 | $ 0 |
| Fairfax, Virginia | 4 | $ 3,355,000 | $ 838,750 | $ 213,000 |
| Marin, California | 3 | $ 2,990,000 | $ 996,666 | $ 0 |
| Placer, California | 3 | $ 1,623,000 | $ 541,000 | $ 0 |
| Sonoma, California | 3 | $ 1,621,000 | $ 540,333 | $ 57,000 |
| Ventura, California | 3 | $ 2,294,000 | $ 764,666 | $ 0 |
| Fairfield, Connecticut | 3 | $ 2,684,000 | $ 894,666 | $ 0 |
| Middlesex, Massachusetts | 3 | $ 2,247,000 | $ 749,000 | $ 0 |
| Suffolk, Massachusetts | 3 | $ 1,936,000 | $ 645,333 | $ 0 |
| Santa Fe, New Mexico | 3 | $ 3,243,000 | $ 1,081,000 | $ 1,271,000 |
| Loudoun, Virginia | 3 | $ 1,838,000 | $ 612,666 | $ 0 |
| San Bernardino, California | 2 | $ 930,000 | $ 465,000 | $ 0 |
| Santa Cruz, California | 2 | $ 2,472,000 | $ 1,236,000 | $ 0 |
| Denver, Colorado | 2 | $ 1,223,000 | $ 611,500 | $ 0 |
| Douglas, Colorado | 2 | $ 940,000 | $ 470,000 | $ 0 |
| Jefferson, Colorado | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 1,457,000 | $ 728,500 | $ 0 |
| Citrus, Florida | 2 | $ 406,000 | $ 203,000 | $ 146,000 |
| Flagler, Florida | 2 | $ 1,229,000 | $ 614,500 | $ 437,000 |
| Hendry, Florida | 2 | $ 458,000 | $ 229,000 | $ 65,000 |
| Leon, Florida | 2 | $ 1,920,000 | $ 960,000 | $ 0 |
| Fulton, Georgia | 2 | $ 2,991,000 | $ 1,495,500 | $ 1,331,000 |
| Nantucket, Massachusetts | 2 | $ 3,480,000 | $ 1,740,000 | $ 2,459,000 |
| Norfolk, Massachusetts | 2 | $ 2,592,000 | $ 1,296,000 | $ 0 |
| Oakland, Michigan | 2 | $ 853,000 | $ 426,500 | $ 195,000 |
| Wayne, Michigan | 2 | $ 1,151,000 | $ 575,500 | $ 0 |
| Ocean, New Jersey | 2 | $ 769,000 | $ 384,500 | $ 0 |
| Union, New Jersey | 2 | $ 1,467,000 | $ 733,500 | $ 0 |
| Nassau, New York | 2 | $ 1,629,000 | $ 814,500 | $ 0 |
| Clackamas, Oregon | 2 | $ 1,637,000 | $ 818,500 | $ 0 |
| Lane, Oregon | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Multnomah, Oregon | 2 | $ 1,169,000 | $ 584,500 | $ 0 |
| Tarrant, Texas | 2 | $ 1,269,000 | $ 634,500 | $ 0 |
| Coconino, Arizona | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Washington, Arkansas | 1 | $ 586,000 | $ 586,000 | $ 0 |
| Monterey, California | 1 | $ 464,000 | $ 464,000 | $ 0 |
| Riverside, California | 1 | $ 685,000 | $ 685,000 | $ 0 |
| San Joaquin, California | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 417,000 | $ 417,000 | $ 86,000 |
| Boulder, Colorado | 1 | $ 610,000 | $ 610,000 | $ 371,000 |
| Summit, Colorado | 1 | $ 826,000 | $ 826,000 | $ 0 |
| Alachua, Florida | 1 | $ 576,000 | $ 576,000 | $ 145,000 |
| Duval, Florida | 1 | $ 168,000 | $ 168,000 | $ 238,000 |
| Glades, Florida | 1 | $ 160,000 | $ 160,000 | $ 34,000 |
| Highlands, Florida | 1 | $ 455,000 | $ 455,000 | $ 574,000 |
| Nassau, Florida | 1 | $ 814,000 | $ 814,000 | $ 0 |
| Sumter, Florida | 1 | $ 98,000 | $ 98,000 | $ 126,000 |
| Suwannee, Florida | 1 | $ 60,000 | $ 60,000 | $ 103,000 |
| Walton, Florida | 1 | $ 583,000 | $ 583,000 | $ 0 |
| Gilmer, Georgia | 1 | $ 522,000 | $ 522,000 | $ 0 |
| Pickens, Georgia | 1 | $ 192,000 | $ 192,000 | $ 478,000 |
| Maui, Hawaii | 1 | $ 534,000 | $ 534,000 | $ 0 |
| Lake, Illinois | 1 | $ 571,000 | $ 571,000 | $ 0 |
| Johnson, Kansas | 1 | $ 612,000 | $ 612,000 | $ 0 |
| Jessamine, Kentucky | 1 | $ 1,061,000 | $ 1,061,000 | $ 0 |
| Calcasieu, Louisiana | 1 | $ 674,000 | $ 674,000 | $ 0 |
| Livingston, Louisiana | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Hancock, Maine | 1 | $ 633,000 | $ 633,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Howard, Maryland | 1 | $ 583,000 | $ 583,000 | $ 0 |
| Kent, Michigan | 1 | $ 478,000 | $ 478,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Cass, Missouri | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Lake, Montana | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Madison, Montana | 1 | $ 4,745,000 | $ 4,745,000 | $ 6,501,000 |
| Carroll, New Hampshire | 1 | $ 1,278,000 | $ 1,278,000 | $ 0 |
| Strafford, New Hampshire | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Bergen, New Jersey | 1 | $ 771,000 | $ 771,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Essex, New Jersey | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Morris, New Jersey | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Rockland, New York | 1 | $ 478,000 | $ 478,000 | $ 0 |
| Sullivan, New York | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Avery, North Carolina | 1 | $ 1,645,000 | $ 1,645,000 | $ 1,926,000 |
| Brunswick, North Carolina | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 625,000 | $ 625,000 | $ 321,000 |
| Mecklenburg, North Carolina | 1 | $ 658,000 | $ 658,000 | $ 0 |
| Transylvania, North Carolina | 1 | $ 439,000 | $ 439,000 | $ 203,000 |
| Morton, North Dakota | 1 | $ 632,000 | $ 632,000 | $ 0 |
| Summit, Ohio | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Washington, Oregon | 1 | $ 752,000 | $ 752,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 427,000 | $ 427,000 | $ 0 |
| Montgomery, Pennsylvania | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Lexington, South Carolina | 1 | $ 638,000 | $ 638,000 | $ 692,000 |
| Bell, Texas | 1 | $ 656,000 | $ 656,000 | $ 0 |
| Collin, Texas | 1 | $ 584,000 | $ 584,000 | $ 0 |
| Dallas, Texas | 1 | $ 581,000 | $ 581,000 | $ 0 |
| Harris, Texas | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Montgomery, Texas | 1 | $ 619,000 | $ 619,000 | $ 0 |
| Travis, Texas | 1 | $ 680,000 | $ 680,000 | $ 0 |
| Summit, Utah | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Weber, Utah | 1 | $ 529,000 | $ 529,000 | $ 0 |
| Lamoille, Vermont | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 751,000 | $ 751,000 | $ 0 |
| Arlington, Virginia | 1 | $ 883,000 | $ 883,000 | $ 0 |
| Campbell, Virginia | 1 | $ 488,000 | $ 488,000 | $ 0 |
| Henrico, Virginia | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Chelan, Washington | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Skagit, Washington | 1 | $ 546,000 | $ 546,000 | $ 0 |
| Walworth, Wisconsin | 1 | $ 1,023,000 | $ 1,023,000 | $ 0 |
| Laramie, Wyoming | 1 | $ 711,000 | $ 711,000 | $ 0 |
| Teton, Wyoming | 1 | $ 779,000 | $ 779,000 | $ 0 |
Mortgage Loan Application Detail Totals for Florida Community Bank, National Association in 2016
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 | 1,782 | $1,052,396,000 | $590,000 | $62,000,000 | $278,000 | $8,368,000 |
| Refinancing | 514 | $355,842,000 | $692,000 | $52,000,000 | $214,000 | $6,501,000 |
| Home Improvement | 104 | $36,755,000 | $353,000 | $5,630,000 | $309,000 | $4,727,000 |
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 | 1,031 | $552,513,000 | $535,000 | $9,450,000 | $325,000 | $7,797,000 |
| Not Provided | 655 | $336,272,000 | $513,000 | $5,000,000 | $342,000 | $6,000,000 |
| Not applicable | 382 | $439,580,000 | $1,150,000 | $62,000,000 | $6,000 | $57,000 |
| Hispanic | 204 | $73,266,000 | $359,000 | $5,630,000 | $281,000 | $8,368,000 |
| Black or African American | 71 | $23,853,000 | $335,000 | $6,000,000 | $130,000 | $2,256,000 |
| Asian | 55 | $18,508,000 | $336,000 | $1,680,000 | $186,000 | $825,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $1,001,000 | $500,000 | $746,000 | $191,000 | $206,000 |
| 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) | 2,398 | $1,444,359,000 | $602,000 | $62,000,000 | $266,000 | $8,368,000 |
| FHA-insured (Federal Housing Administration) | 1 | $208,000 | $208,000 | $208,000 | $85,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 1 | $426,000 | $426,000 | $426,000 | $190,000 | $190,000 |
| 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 | 1,569 | $908,995,000 | $579,000 | $62,000,000 | $325,000 | $8,368,000 |
| Loan Purchased By The Institution | 352 | $219,226,000 | $622,000 | $23,550,000 | $7,000 | $57,000 |
| Application Withdrawn By Applicant | 246 | $117,131,000 | $476,000 | $4,500,000 | $299,000 | $6,000,000 |
| Application Denied By Financial Institution | 140 | $43,851,000 | $313,000 | $2,541,000 | $145,000 | $1,290,000 |
| Application Approved But Not Accepted | 67 | $138,294,000 | $2,064,000 | $52,000,000 | $367,000 | $3,868,000 |
| File Closed For Incompleteness | 26 | $17,496,000 | $672,000 | $2,455,000 | $318,000 | $834,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 46 | $16,036,000 | $348,000 | $2,403,000 | $109,000 | $946,000 |
| Credit History | 37 | $11,168,000 | $301,000 | $2,541,000 | $159,000 | $1,290,000 |
| Collateral | 27 | $8,113,000 | $300,000 | $1,884,000 | $176,000 | $1,073,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $3,826,000 | $318,000 | $672,000 | $162,000 | $383,000 |
| Unverifiable Information | 9 | $2,187,000 | $243,000 | $500,000 | $145,000 | $560,000 |
| Other | 7 | $2,281,000 | $325,000 | $1,058,000 | $167,000 | $450,000 |
| Employment History | 2 | $240,000 | $120,000 | $160,000 | $74,000 | $81,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Florida Community Bank, National Association's 2016 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 Community Bank, National Association'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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