Riverside National Bank of Fl Mortgage Lending & HMDA Data, 2010
In 2010, Riverside National Bank of Fl of Ft Pierce, FL reported 195 mortgage applications totaling $14.9 million. The average application was for $76,646, and applicants reported an average income of $59,282. 18% of its applications resulted in an originated loan and 59% were denied. Its largest markets were Port St. Lucie, FL (55), Deltona-Daytona Beach-Ormond Beach, FL (44) and Palm Bay-Melbourne-Titusville, FL (29) (applications in parentheses).
| Mortgage Company & Address | Riverside National Bank of Fl 2211 Okeechobee Rd Ft Pierce, FL 34950 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 |
| Total Number of Mortgage Applications | 195 |
| Total Mortgage Loan Application Amount | $14,946,000 |
| Average Mortgage Loan Application Amount | $76,646 |
| Highest Mortgage Loan Application Amount | $574,000 |
| Average Applicant Income | $59,282 |
| Highest Applicant Income | $948,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Riverside National Bank of Fl filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Port St. Lucie, FL | 55 | $ 5,111,000 | $ 92,927 | $ 75,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 44 | $ 2,537,000 | $ 57,659 | $ 51,000 |
| Palm Bay-Melbourne-Titusville, FL | 29 | $ 2,274,000 | $ 78,413 | $ 56,000 |
| Lakeland-Winter Haven, FL | 27 | $ 1,405,000 | $ 52,037 | $ 62,000 |
| Sebastian-Vero Beach, FL | 10 | $ 279,000 | $ 27,900 | $ 33,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 262,000 | $ 52,400 | $ 25,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 545,000 | $ 109,000 | $ 66,000 |
| Ocala, FL | 1 | $ 417,000 | $ 417,000 | $ 84,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 100,000 | $ 100,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Riverside National Bank of Fl in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 67 | $8,343,000 | $124,000 | $417,000 | $58,000 | $310,000 |
| Home Improvement | 66 | $740,000 | $11,000 | $65,000 | $43,000 | $133,000 |
| Home Purchase | 62 | $5,863,000 | $94,000 | $574,000 | $78,000 | $948,000 |
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 | 153 | $12,588,000 | $82,000 | $574,000 | $64,000 | $948,000 |
| Not Provided | 24 | $1,851,000 | $77,000 | $360,000 | $53,000 | $181,000 |
| Black or African American | 9 | $331,000 | $36,000 | $112,000 | $33,000 | $80,000 |
| Hispanic | 9 | $176,000 | $19,000 | $42,000 | $32,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 172 | $12,263,000 | $71,000 | $574,000 | $62,000 | $948,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,541,000 | $115,000 | $305,000 | $44,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $142,000 | $142,000 | $142,000 | $54,000 | $54,000 |
| 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 Denied By Financial Institution | 115 | $6,510,000 | $56,000 | $350,000 | $48,000 | $183,000 |
| Loan Originated | 35 | $2,087,000 | $59,000 | $234,000 | $51,000 | $174,000 |
| Application Withdrawn By Applicant | 30 | $4,335,000 | $144,000 | $574,000 | $104,000 | $948,000 |
| File Closed For Incompleteness | 9 | $1,353,000 | $150,000 | $417,000 | $98,000 | $310,000 |
| Application Approved But Not Accepted | 6 | $661,000 | $110,000 | $200,000 | $53,000 | $95,000 |
| 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 | 40 | $1,538,000 | $38,000 | $264,000 | $45,000 | $133,000 |
| Debt-To-Income Ratio | 28 | $1,330,000 | $47,000 | $184,000 | $38,000 | $75,000 |
| Unverifiable Information | 18 | $1,092,000 | $60,000 | $233,000 | $49,000 | $99,000 |
| Collateral | 15 | $2,203,000 | $146,000 | $350,000 | $73,000 | $183,000 |
| Other | 14 | $347,000 | $24,000 | $100,000 | $51,000 | $100,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 Riverside National Bank of Fl's 2010 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 Riverside National Bank of Fl'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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