Cbc National Bank Mortgage Lending & HMDA Data, 2008

In 2008, Cbc National Bank of Fernandina Beach, FL reported 2,079 mortgage applications totaling $482.2 million. The average application was for $231,957, and applicants reported an average income of $129,231. 94% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,490), Charlotte-Gastonia-Concord, NC-SC (74) and Jacksonville, FL (56) (applications in parentheses).

Mortgage Company & Address Cbc National Bank
1891 South 14th Street
Fernandina Beach, FL 32034
Tel #: available with data download
Federal Regulator * available with data download
Years 2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  
Total Number of Mortgage Applications 2,079
Total Mortgage Loan Application Amount $482,239,000
Average Mortgage Loan Application Amount $231,957
Highest Mortgage Loan Application Amount $1,807,000
Average Applicant Income $129,231
Highest Applicant Income $6,200,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cbc National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Cbc National Bank by County in 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 395 $ 106,098,000 $ 268,602 $ 159,000
DeKalb, Georgia 242 $ 55,816,000 $ 230,644 $ 112,000
Cobb, Georgia 236 $ 54,259,000 $ 229,911 $ 127,000
Gwinnett, Georgia 193 $ 39,305,000 $ 203,652 $ 91,000
Forsyth, Georgia 127 $ 32,989,000 $ 259,755 $ 114,000
Cherokee, Georgia 116 $ 26,737,000 $ 230,491 $ 102,000
Mecklenburg, North Carolina 52 $ 11,234,000 $ 216,038 $ 116,000
Nassau, Florida 37 $ 10,634,000 $ 287,405 $ 124,000
Hall, Georgia 37 $ 9,844,000 $ 266,054 $ 146,000
Jackson, Georgia 22 $ 3,517,000 $ 159,863 $ 91,000
Paulding, Georgia 22 $ 4,114,000 $ 187,000 $ 82,000
Effingham, Georgia 19 $ 3,752,000 $ 197,473 $ 82,000
Dawson, Georgia 18 $ 3,559,000 $ 197,722 $ 85,000
Clarke, Georgia 17 $ 2,298,000 $ 135,176 $ 54,000
Walton, Georgia 17 $ 3,698,000 $ 217,529 $ 93,000
Henry, Georgia 16 $ 2,868,000 $ 179,250 $ 85,000
Douglas, Georgia 15 $ 2,556,000 $ 170,400 $ 108,000
Barrow, Georgia 14 $ 2,108,000 $ 150,571 $ 65,000
Fayette, Georgia 14 $ 3,674,000 $ 262,428 $ 272,000
Bartow, Georgia 13 $ 2,044,000 $ 157,230 $ 73,000
Duval, Florida 12 $ 2,703,000 $ 225,250 $ 106,000
Chatham, Georgia 12 $ 3,302,000 $ 275,166 $ 164,000
Coweta, Georgia 12 $ 2,308,000 $ 192,333 $ 155,000
Muscogee, Georgia 12 $ 1,799,000 $ 149,916 $ 84,000
Oconee, Georgia 12 $ 2,414,000 $ 201,166 $ 112,000
Travis, Texas 12 $ 3,303,000 $ 275,250 $ 172,000
Newton, Georgia 11 $ 1,509,000 $ 137,181 $ 52,000
Horry, South Carolina 11 $ 2,617,000 $ 237,909 $ 183,000
Davidson, Tennessee 11 $ 2,605,000 $ 236,818 $ 118,000
Glynn, Georgia 10 $ 2,936,000 $ 293,600 $ 107,000
York, South Carolina 10 $ 2,835,000 $ 283,500 $ 85,000
Bibb, Georgia 9 $ 1,992,000 $ 221,333 $ 127,000
Clayton, Georgia 9 $ 1,260,000 $ 140,000 $ 49,000
Lumpkin, Georgia 9 $ 1,662,000 $ 184,666 $ 104,000
Madison, Georgia 9 $ 1,262,000 $ 140,222 $ 46,000
Fannin, Georgia 8 $ 2,262,000 $ 282,750 $ 135,000
Spartanburg, South Carolina 7 $ 1,016,000 $ 145,142 $ 62,000
Greene, Georgia 6 $ 1,333,000 $ 222,166 $ 441,000
Putnam, Georgia 6 $ 1,812,000 $ 302,000 $ 146,000
Rockdale, Georgia 6 $ 904,000 $ 150,666 $ 43,000
Hamilton, Tennessee 6 $ 1,168,000 $ 194,666 $ 90,000
Banks, Georgia 5 $ 785,000 $ 157,000 $ 66,000
Gilmer, Georgia 5 $ 1,115,000 $ 223,000 $ 174,000
Pickens, Georgia 5 $ 833,000 $ 166,600 $ 84,000
Cabarrus, North Carolina 5 $ 1,066,000 $ 213,200 $ 67,000
Iredell, North Carolina 5 $ 885,000 $ 177,000 $ 66,000
Wake, North Carolina 5 $ 1,583,000 $ 316,600 $ 97,000
McMinn, Tennessee 5 $ 597,000 $ 119,400 $ 46,000
Broward, Florida 4 $ 789,000 $ 197,250 $ 74,000
Hillsborough, Florida 4 $ 1,087,000 $ 271,750 $ 96,000
St. Johns, Florida 4 $ 1,056,000 $ 264,000 $ 109,000
Morgan, Georgia 4 $ 502,000 $ 125,500 $ 49,000
Richmond, Georgia 4 $ 511,000 $ 127,750 $ 97,000
Gaston, North Carolina 4 $ 845,000 $ 211,250 $ 60,000
Oconee, South Carolina 4 $ 1,492,000 $ 373,000 $ 328,000
Baldwin, Alabama 3 $ 672,000 $ 224,000 $ 126,000
Clay, Florida 3 $ 741,000 $ 247,000 $ 95,000
Palm Beach, Florida 3 $ 1,044,000 $ 348,000 $ 2,037,000
Baldwin, Georgia 3 $ 807,000 $ 269,000 $ 113,000
Bulloch, Georgia 3 $ 976,000 $ 325,333 $ 343,000
Carroll, Georgia 3 $ 475,000 $ 158,333 $ 58,000
Columbia, Georgia 3 $ 625,000 $ 208,333 $ 133,000
Habersham, Georgia 3 $ 1,262,000 $ 420,666 $ 149,000
Hart, Georgia 3 $ 596,000 $ 198,666 $ 86,000
Oglethorpe, Georgia 3 $ 523,000 $ 174,333 $ 71,000
Polk, Georgia 3 $ 286,000 $ 95,333 $ 50,000
Troup, Georgia 3 $ 751,000 $ 250,333 $ 132,000
Jackson, North Carolina 3 $ 1,922,000 $ 640,666 $ 3,383,000
Union, North Carolina 3 $ 884,000 $ 294,666 $ 130,000
Lancaster, South Carolina 3 $ 596,000 $ 198,666 $ 49,000
Richland, South Carolina 3 $ 460,000 $ 153,333 $ 142,000
Jefferson, Alabama 2 $ 331,000 $ 165,500 $ 31,000
Marshall, Alabama 2 $ 492,000 $ 246,000 $ 66,000
Russell, Alabama 2 $ 183,000 $ 91,500 $ 42,000
Shelby, Alabama 2 $ 497,000 $ 248,500 $ 82,000
Maricopa, Arizona 2 $ 543,000 $ 271,500 $ 119,000
Douglas, Colorado 2 $ 662,000 $ 331,000 $ 88,000
Alachua, Florida 2 $ 245,000 $ 122,500 $ 92,000
Collier, Florida 2 $ 597,000 $ 298,500 $ 162,000
Lake, Florida 2 $ 260,000 $ 130,000 $ 237,000
Orange, Florida 2 $ 736,000 $ 368,000 $ 180,000
Volusia, Florida 2 $ 240,000 $ 120,000 $ 59,000
Walton, Florida 2 $ 766,000 $ 383,000 $ 345,000
Coffee, Georgia 2 $ 305,000 $ 152,500 $ 50,000
Elbert, Georgia 2 $ 220,000 $ 110,000 $ 56,000
Harris, Georgia 2 $ 173,000 $ 86,500 $ 152,000
Houston, Georgia 2 $ 486,000 $ 243,000 $ 95,000
Lee, Georgia 2 $ 491,000 $ 245,500 $ 112,000
Liberty, Georgia 2 $ 340,000 $ 170,000 $ 58,000
Monroe, Georgia 2 $ 384,000 $ 192,000 $ 77,000
Murray, Georgia 2 $ 525,000 $ 262,500 $ 122,000
Rabun, Georgia 2 $ 382,000 $ 191,000 $ 228,000
Spalding, Georgia 2 $ 529,000 $ 264,500 $ 84,000
Stephens, Georgia 2 $ 144,000 $ 72,000 $ 53,000
White, Georgia 2 $ 572,000 $ 286,000 $ 130,000
Whitfield, Georgia 2 $ 211,000 $ 105,500 $ 50,000
Middlesex, Massachusetts 2 $ 700,000 $ 350,000 $ 117,000
Buncombe, North Carolina 2 $ 513,000 $ 256,500 $ 59,000
Durham, North Carolina 2 $ 415,000 $ 207,500 $ 88,000
Granville, North Carolina 2 $ 406,000 $ 203,000 $ 57,000
New Hanover, North Carolina 2 $ 516,000 $ 258,000 $ 95,000
Rowan, North Carolina 2 $ 355,000 $ 177,500 $ 84,000
Greenville, South Carolina 2 $ 336,000 $ 168,000 $ 50,000
Pickens, South Carolina 2 $ 571,000 $ 285,500 $ 107,000
Colbert, Alabama 1 $ 117,000 $ 117,000 $ 54,000
DeKalb, Alabama 1 $ 254,000 $ 254,000 $ 71,000
Elmore, Alabama 1 $ 174,000 $ 174,000 $ 50,000
Geneva, Alabama 1 $ 124,000 $ 124,000 $ 48,000
Houston, Alabama 1 $ 222,000 $ 222,000 $ 48,000
Madison, Alabama 1 $ 133,000 $ 133,000 $ 68,000
Mobile, Alabama 1 $ 168,000 $ 168,000 $ 60,000
Montgomery, Alabama 1 $ 320,000 $ 320,000 $ 138,000
Randolph, Alabama 1 $ 224,000 $ 224,000 $ 127,000
Talladega, Alabama 1 $ 120,000 $ 120,000 $ 39,000
Tallapoosa, Alabama 1 $ 255,000 $ 255,000 $ 98,000
New Haven, Connecticut 1 $ 159,000 $ 159,000 $ 47,000
Bay, Florida 1 $ 417,000 $ 417,000 $ 2,092,000
Citrus, Florida 1 $ 380,000 $ 380,000 $ 219,000
Escambia, Florida 1 $ 372,000 $ 372,000 $ 143,000
Flagler, Florida 1 $ 330,000 $ 330,000 $ 54,000
Gadsden, Florida 1 $ 155,000 $ 155,000 $ 48,000
Gulf, Florida 1 $ 318,000 $ 318,000 $ 124,000
Hernando, Florida 1 $ 200,000 $ 200,000 $ 67,000
Indian River, Florida 1 $ 94,000 $ 94,000 $ 50,000
Lee, Florida 1 $ 350,000 $ 350,000 $ 102,000
Okaloosa, Florida 1 $ 765,000 $ 765,000 $ 2,062,000
Osceola, Florida 1 $ 156,000 $ 156,000 $ 49,000
Putnam, Florida 1 $ 320,000 $ 320,000 $ 188,000
Santa Rosa, Florida 1 $ 129,000 $ 129,000 $ 78,000
Seminole, Florida 1 $ 242,000 $ 242,000 $ 37,000
St. Lucie, Florida 1 $ 218,000 $ 218,000 $ 58,000
Bacon, Georgia 1 $ 195,000 $ 195,000 $ 93,000
Bryan, Georgia 1 $ 1,040,000 $ 1,040,000 $ 525,000
Butts, Georgia 1 $ 121,000 $ 121,000 $ 38,000
Dougherty, Georgia 1 $ 394,000 $ 394,000 $ 122,000
Floyd, Georgia 1 $ 121,000 $ 121,000 $ 37,000
Franklin, Georgia 1 $ 129,000 $ 129,000 $ 60,000
Grady, Georgia 1 $ 270,000 $ 270,000 $ 48,000
Haralson, Georgia 1 $ 78,000 $ 78,000 $ 33,000
Lamar, Georgia 1 $ 69,000 $ 69,000 $ 65,000
Peach, Georgia 1 $ 152,000 $ 152,000 $ 68,000
Pike, Georgia 1 $ 204,000 $ 204,000 $ 290,000
Thomas, Georgia 1 $ 150,000 $ 150,000 $ 60,000
Tift, Georgia 1 $ 417,000 $ 417,000 $ 212,000
Towns, Georgia 1 $ 156,000 $ 156,000 $ 96,000
Union, Georgia 1 $ 140,000 $ 140,000 $ 184,000
Ada, Idaho 1 $ 322,000 $ 322,000 $ 70,000
St. Joseph, Indiana 1 $ 99,000 $ 99,000 $ 146,000
McCracken, Kentucky 1 $ 180,000 $ 180,000 $ 37,000
Plymouth, Massachusetts 1 $ 417,000 $ 417,000 $ 480,000
Worcester, Massachusetts 1 $ 139,000 $ 139,000 $ 101,000
Dakota, Minnesota 1 $ 130,000 $ 130,000 $ 116,000
Burke, North Carolina 1 $ 151,000 $ 151,000 $ 82,000
Catawba, North Carolina 1 $ 117,000 $ 117,000 $ 90,000
Craven, North Carolina 1 $ 230,000 $ 230,000 $ 55,000
Cumberland, North Carolina 1 $ 145,000 $ 145,000 $ 55,000
Currituck, North Carolina 1 $ 189,000 $ 189,000 $ 26,000
Davie, North Carolina 1 $ 179,000 $ 179,000 $ 55,000
Forsyth, North Carolina 1 $ 149,000 $ 149,000 $ 50,000
Guilford, North Carolina 1 $ 75,000 $ 75,000 $ 44,000
Johnston, North Carolina 1 $ 181,000 $ 181,000 $ 127,000
Lenoir, North Carolina 1 $ 126,000 $ 126,000 $ 54,000
Lincoln, North Carolina 1 $ 252,000 $ 252,000 $ 97,000
Macon, North Carolina 1 $ 786,000 $ 786,000 $ 265,000
Orange, North Carolina 1 $ 401,000 $ 401,000 $ 180,000
Pender, North Carolina 1 $ 255,000 $ 255,000 $ 69,000
Transylvania, North Carolina 1 $ 188,000 $ 188,000 $ 120,000
Chester, Pennsylvania 1 $ 240,000 $ 240,000 $ 185,000
Anderson, South Carolina 1 $ 102,000 $ 102,000 $ 38,000
Beaufort, South Carolina 1 $ 260,000 $ 260,000 $ 209,000
Charleston, South Carolina 1 $ 386,000 $ 386,000 $ 120,000
Darlington, South Carolina 1 $ 216,000 $ 216,000 $ 450,000
Lexington, South Carolina 1 $ 123,000 $ 123,000 $ 0
Loudon, Tennessee 1 $ 214,000 $ 214,000 $ 48,000
Marshall, Tennessee 1 $ 59,000 $ 59,000 $ 161,000
Robertson, Tennessee 1 $ 129,000 $ 129,000 $ 67,000
Smith, Tennessee 1 $ 250,000 $ 250,000 $ 78,000
Wilson, Tennessee 1 $ 110,000 $ 110,000 $ 35,000
Tarrant, Texas 1 $ 279,000 $ 279,000 $ 75,000
Utah, Utah 1 $ 154,000 $ 154,000 $ 60,000
Chittenden, Vermont 1 $ 244,000 $ 244,000 $ 163,000
Amherst, Virginia 1 $ 179,000 $ 179,000 $ 56,000
Prince William, Virginia 1 $ 93,000 $ 93,000 $ 64,000
Oneida, Wisconsin 1 $ 140,000 $ 140,000 $ 51,000

Mortgage Loan Application Detail Totals for Cbc National Bank in 2008

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 1,141 $257,841,000 $225,000 $1,500,000 $127,000 $6,200,000
Refinancing 936 $224,285,000 $239,000 $1,807,000 $132,000 $5,730,000
Home Improvement 2 $113,000 $56,000 $62,000 $107,000 $181,000

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 1,590 $380,928,000 $239,000 $1,807,000 $134,000 $6,200,000
Black or African American 182 $35,855,000 $197,000 $417,000 $106,000 $1,981,000
Not Provided 164 $33,865,000 $206,000 $417,000 $100,000 $599,000
Hispanic 66 $13,972,000 $211,000 $644,000 $180,000 $5,730,000
Asian 64 $14,462,000 $225,000 $590,000 $104,000 $340,000
American Indian or Alaskan Native 7 $1,260,000 $180,000 $392,000 $131,000 $348,000
Native Hawaiian or Other Pacific Islander 5 $1,357,000 $271,000 $361,000 $159,000 $228,000
Not applicable 1 $540,000 $540,000 $540,000 $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) 1,962 $461,181,000 $235,000 $1,807,000 $133,000 $6,200,000
FHA-insured (Federal Housing Administration) 117 $21,058,000 $179,000 $350,000 $64,000 $192,000
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

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 1,946 $450,528,000 $231,000 $1,807,000 $128,000 $6,200,000
Application Approved But Not Accepted 125 $29,995,000 $239,000 $1,040,000 $143,000 $1,156,000
Application Denied By Financial Institution 8 $1,716,000 $214,000 $555,000 $108,000 $312,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Debt-To-Income Ratio 3 $384,000 $128,000 $200,000 $58,000 $120,000
Collateral 2 $824,000 $412,000 $555,000 $109,000 $135,000
Other 2 $384,000 $192,000 $198,000 $222,000 $312,000
Credit History 1 $124,000 $124,000 $124,000 $31,000 $31,000
Unverifiable Information 0 $0 $0 $0 $0 $0
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 Cbc National Bank's 2008 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 Cbc National 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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