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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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FNB OF NASSAU COUNTY
Mortgage Loans and Application Details
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| Mortgage Company Name |
FNB OF NASSAU COUNTY |
| Address | 1891 S.14TH STREET
FERNANDINA BEACH, FL 32034 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 81 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,741,000 |
| Average Mortgage Loan Amount Applied For | $317,700 |
| Highest Mortgage Loan Amount Applied For | $975,000 |
| Average Applicant Income | $76,300 |
| Highest Applicant Income | $481,000 |
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| Home Improvement |
7 | $744,000 |
$106,000 | $550,000 |
$46,000 | $174,000 |
| Home Purchase |
50 | $12,582,000 |
$251,000 | $975,000 |
$79,000 | $481,000 |
| Refinancing |
24 | $4,415,000 |
$183,000 | $417,000 |
$45,000 | $132,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $137,000 |
$68,000 | $100,000 |
$6,000 | $12,000 |
| Hispanic |
1 | $325,000 |
$325,000 | $325,000 |
$109,000 | $109,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $2,074,000 |
$414,000 | $975,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
73 | $15,205,000 |
$208,000 | $720,000 |
$72,000 | $481,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
81 | $17,741,000 |
$219,000 | $975,000 |
$66,000 | $481,000 |
| 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 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
5 | $723,000 |
$144,000 | $280,000 |
$19,000 | $54,000 |
| Application Withdrawn By Applicant |
13 | $3,177,000 |
$244,000 | $460,000 |
$61,000 | $219,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
63 | $13,841,000 |
$219,000 | $975,000 |
$71,000 | $481,000 |
| 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 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $563,000 |
$140,000 | $280,000 |
$24,000 | $54,000 |
| Debt-To-Income Ratio |
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 |
| Other |
1 | $160,000 |
$160,000 | $160,000 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FNB OF NASSAU COUNTY by:
Metropolitan Area And
County
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