Prosperity Bank Mortgage Lending & HMDA Data, 2005
In 2005, Prosperity Bank of St Augustine, FL reported 1,358 mortgage applications totaling $233.7 million, down 7% from 2004. The average application was for $172,119, and applicants reported an average income of $74,950. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Jacksonville, FL (520), Panama City-Lynn Haven, FL (202) and Deltona-Daytona Beach-Ormond Beach, FL (128) (applications in parentheses).
| Mortgage Company & Address | Prosperity Bank 100 Southpark Blvd St Augustine, FL 32086 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,358 |
| Total Mortgage Loan Application Amount | $233,738,000 |
| Average Mortgage Loan Application Amount | $172,119 |
| Highest Mortgage Loan Application Amount | $1,487,000 |
| Average Applicant Income | $74,950 |
| Highest Applicant Income | $1,783,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Prosperity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Prosperity Bank in 2005
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 | 923 | $167,537,000 | $148,333 | $1,487,000 | $79,000 | $824,000 |
| Refinancing | 415 | $65,648,000 | $158,000 | $1,000,000 | $60,000 | $1,783,000 |
| Home Improvement | 20 | $553,000 | $27,000 | $150,000 | $44,000 | $132,000 |
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 | 1,200 | $207,343,000 | $129,000 | $1,487,000 | $53,500 | $1,783,000 |
| Hispanic | 45 | $7,249,000 | $137,333 | $360,000 | $69,000 | $240,000 |
| Not Provided | 42 | $5,822,000 | $138,000 | $512,000 | $89,000 | $676,000 |
| Black or African American | 40 | $6,079,000 | $115,500 | $600,000 | $47,000 | $255,000 |
| Asian | 18 | $4,721,000 | $262,000 | $452,000 | $99,000 | $216,000 |
| Not applicable | 8 | $2,133,000 | $266,000 | $540,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $180,000 | $60,000 | $88,000 | $74,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $211,000 | $105,000 | $123,000 | $50,000 | $64,000 |
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) | 1,350 | $232,359,000 | $145,000 | $1,487,000 | $75,666 | $1,783,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,379,000 | $172,000 | $327,000 | $53,000 | $75,000 |
| 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 |
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 | 1,110 | $199,807,000 | $182,000 | $1,487,000 | $100,500 | $1,783,000 |
| Application Approved But Not Accepted | 86 | $10,844,000 | $126,000 | $584,000 | $95,000 | $460,000 |
| Application Withdrawn By Applicant | 80 | $12,940,000 | $161,000 | $620,000 | $79,000 | $315,000 |
| Application Denied By Financial Institution | 70 | $9,199,000 | $131,000 | $1,000,000 | $45,000 | $150,000 |
| Preapproval Denied by Financial Institution | 10 | $809,000 | $80,000 | $108,000 | $31,000 | $51,000 |
| Preapproval Approved but not Accepted | 2 | $139,000 | $69,000 | $89,000 | $18,000 | $21,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 28 | $2,045,000 | $79,500 | $215,000 | $39,500 | $115,000 |
| Debt-To-Income Ratio | 14 | $3,002,000 | $165,000 | $1,000,000 | $44,000 | $79,000 |
| Collateral | 14 | $1,814,000 | $129,000 | $621,000 | $28,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,196,000 | $138,000 | $360,000 | $45,500 | $150,000 |
| Other | 6 | $474,000 | $73,500 | $124,000 | $32,000 | $66,000 |
| Credit Application Incomplete | 2 | $98,000 | $49,000 | $49,000 | $73,000 | $73,000 |
| Employment History | 1 | $204,000 | $204,000 | $204,000 | $96,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prosperity Bank's 2005 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 Prosperity 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.
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