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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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HERITAGE BANK OF NORTH FLORIDA
Mortgage Loans and Application Details
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| Mortgage Company Name |
HERITAGE BANK OF NORTH FLORIDA |
| Address | 794 BLANDING BLVD
ORANGE PARK, FL 32065 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 22 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,368,000 |
| Average Mortgage Loan Amount Applied For | $596,166 |
| Highest Mortgage Loan Amount Applied For | $2,450,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $370,000 |
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| Home Improvement |
3 | $113,000 |
$37,000 | $53,000 |
$57,000 | $69,000 |
| Home Purchase |
14 | $5,778,000 |
$412,000 | $2,450,000 |
$98,000 | $370,000 |
| Refinancing |
5 | $1,477,000 |
$295,000 | $484,000 |
$66,000 | $247,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $23,000 |
$23,000 | $23,000 |
$35,000 | $35,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $4,888,000 |
$611,000 | $2,450,000 |
$13,000 | $105,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
13 | $2,457,000 |
$189,000 | $612,000 |
$134,000 | $370,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
22 | $7,368,000 |
$334,000 | $2,450,000 |
$85,000 | $370,000 |
| 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 |
1 | $40,000 |
$40,000 | $40,000 |
$56,000 | $56,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
21 | $7,328,000 |
$348,000 | $2,450,000 |
$86,000 | $370,000 |
| 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 |
1 | $40,000 |
$40,000 | $40,000 |
$56,000 | $56,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HERITAGE BANK OF NORTH FLORIDA by:
Metropolitan Area And
County
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