Cbc National Bank Mortgage Lending & HMDA Data, 2016

In 2016, Cbc National Bank of Fernandina Beach, FL reported 9,321 mortgage applications totaling $2.2 billion, down 4% from 2015. The average application was for $239,107, and applicants reported an average income of $90,704. 87% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (3,221), Charlotte-Concord-Gastonia, NC-SC (248) and Tampa-St. Petersburg-Clearwater, FL (229) (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 9,321
Total Mortgage Loan Application Amount $2,228,719,000
Average Mortgage Loan Application Amount $239,107
Highest Mortgage Loan Application Amount $1,900,000
Average Applicant Income $90,704
Highest Applicant Income $9,125,000

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Act (HMDA) records Cbc National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 811 $ 235,110,000 $ 289,901 $ 137,000
Cobb, Georgia 532 $ 132,114,000 $ 248,334 $ 114,000
DeKalb, Georgia 445 $ 126,805,000 $ 284,955 $ 155,000
Forsyth, Georgia 378 $ 111,225,000 $ 294,246 $ 120,000
Gwinnett, Georgia 371 $ 80,879,000 $ 218,002 $ 86,000
Cherokee, Georgia 336 $ 85,142,000 $ 253,398 $ 103,000
Sarasota, Florida 146 $ 39,565,000 $ 270,993 $ 137,000
Hillsborough, Florida 138 $ 37,326,000 $ 270,478 $ 119,000
Nassau, Florida 105 $ 23,627,000 $ 225,019 $ 106,000
Beaufort, South Carolina 103 $ 23,661,000 $ 229,718 $ 122,000
Mecklenburg, North Carolina 92 $ 17,969,000 $ 195,315 $ 82,000
Glynn, Georgia 84 $ 17,575,000 $ 209,226 $ 95,000
Maricopa, Arizona 80 $ 16,743,000 $ 209,287 $ 24,000
Cuyahoga, Ohio 71 $ 10,279,000 $ 144,774 $ 79,000
Wake, North Carolina 69 $ 17,869,000 $ 258,971 $ 109,000
Paulding, Georgia 68 $ 13,003,000 $ 191,220 $ 68,000
Harris, Texas 67 $ 15,872,000 $ 236,895 $ 108,000
York, South Carolina 64 $ 13,410,000 $ 209,531 $ 80,000
Hall, Georgia 61 $ 14,529,000 $ 238,180 $ 103,000
Broward, Florida 59 $ 15,254,000 $ 258,542 $ 98,000
Bibb, Georgia 58 $ 11,715,000 $ 201,982 $ 126,000
Pinellas, Florida 56 $ 12,316,000 $ 219,928 $ 110,000
Hartford, Connecticut 55 $ 11,616,000 $ 211,200 $ 73,000
Chatham, Georgia 52 $ 11,811,000 $ 227,134 $ 85,000
Worcester, Massachusetts 52 $ 14,998,000 $ 288,423 $ 98,000
Forsyth, North Carolina 51 $ 13,529,000 $ 265,274 $ 113,000
Duval, Florida 50 $ 11,074,000 $ 221,480 $ 124,000
Manatee, Florida 50 $ 12,950,000 $ 259,000 $ 142,000
Los Angeles, California 47 $ 16,091,000 $ 342,361 $ 121,000
Cook, Illinois 47 $ 9,726,000 $ 206,936 $ 81,000
Riverside, California 45 $ 14,373,000 $ 319,400 $ 68,000
Palm Beach, Florida 45 $ 11,434,000 $ 254,088 $ 86,000
Clark, Nevada 43 $ 9,721,000 $ 226,069 $ 22,000
Wayne, Ohio 42 $ 5,832,000 $ 138,857 $ 49,000
Fairfax, Virginia 38 $ 12,136,000 $ 319,368 $ 122,000
Henry, Georgia 36 $ 7,662,000 $ 212,833 $ 57,000
Montgomery, Texas 36 $ 9,977,000 $ 277,138 $ 134,000
Sumter, Florida 35 $ 7,959,000 $ 227,400 $ 102,000
Columbia, Georgia 35 $ 7,493,000 $ 214,085 $ 88,000
Marion, Florida 34 $ 6,244,000 $ 183,647 $ 81,000
Prince George's, Maryland 34 $ 8,550,000 $ 251,470 $ 127,000
Middlesex, Massachusetts 34 $ 11,137,000 $ 327,558 $ 103,000
Orange, Florida 32 $ 6,847,000 $ 213,968 $ 97,000
Miami-Dade, Florida 31 $ 8,172,000 $ 263,612 $ 74,000
Pasco, Florida 30 $ 7,499,000 $ 249,966 $ 107,000
St. Johns, Florida 30 $ 7,230,000 $ 241,000 $ 91,000
Tarrant, Texas 27 $ 5,151,000 $ 190,777 $ 134,000
San Bernardino, California 26 $ 6,346,000 $ 244,076 $ 48,000
Lee, Florida 26 $ 5,869,000 $ 225,730 $ 75,000
Montgomery, Maryland 26 $ 8,013,000 $ 308,192 $ 115,000
Union, North Carolina 26 $ 6,590,000 $ 253,461 $ 107,000
Bexar, Texas 26 $ 5,877,000 $ 226,038 $ 31,000
King, Washington 26 $ 8,280,000 $ 318,461 $ 130,000
Brevard, Florida 25 $ 5,414,000 $ 216,560 $ 90,000
Columbia, New York 25 $ 6,780,000 $ 271,200 $ 331,000
Blair, Pennsylvania 24 $ 3,496,000 $ 145,666 $ 69,000
El Paso, Colorado 23 $ 4,067,000 $ 176,826 $ 10,000
Clayton, Georgia 23 $ 3,869,000 $ 168,217 $ 52,000
Coweta, Georgia 23 $ 4,931,000 $ 214,391 $ 72,000
Dawson, Georgia 23 $ 5,303,000 $ 230,565 $ 93,000
Cumberland, North Carolina 23 $ 3,750,000 $ 163,043 $ 22,000
Summit, Ohio 23 $ 4,577,000 $ 199,000 $ 69,000
Greenville, South Carolina 23 $ 4,408,000 $ 191,652 $ 54,000
Rockdale, Georgia 22 $ 4,782,000 $ 217,363 $ 72,000
Walton, Georgia 22 $ 4,286,000 $ 194,818 $ 93,000
Essex, Massachusetts 22 $ 6,556,000 $ 298,000 $ 109,000
Norfolk, Massachusetts 22 $ 6,455,000 $ 293,409 $ 80,000
Plymouth, Massachusetts 22 $ 6,373,000 $ 289,681 $ 76,000
Gaston, North Carolina 22 $ 3,268,000 $ 148,545 $ 30,000
Franklin, Ohio 22 $ 4,355,000 $ 197,954 $ 43,000
Bartow, Georgia 21 $ 3,963,000 $ 188,714 $ 58,000
Baltimore, Maryland 21 $ 4,915,000 $ 234,047 $ 66,000
Allegheny, Pennsylvania 21 $ 3,529,000 $ 168,047 $ 84,000
El Paso, Texas 21 $ 3,231,000 $ 153,857 $ 83,000
Prince William, Virginia 21 $ 6,689,000 $ 318,523 $ 87,000
Pinal, Arizona 20 $ 3,653,000 $ 182,650 $ 13,000
Sacramento, California 20 $ 5,575,000 $ 278,750 $ 34,000
Seminole, Florida 20 $ 4,395,000 $ 219,750 $ 87,000
Newton, Georgia 20 $ 2,909,000 $ 145,450 $ 45,000
Vanderburgh, Indiana 20 $ 2,434,000 $ 121,700 $ 42,000
Davidson, Tennessee 20 $ 4,300,000 $ 215,000 $ 79,000
Volusia, Florida 19 $ 3,791,000 $ 199,526 $ 70,000
Barrow, Georgia 19 $ 3,394,000 $ 178,631 $ 75,000
Fayette, Georgia 19 $ 5,043,000 $ 265,421 $ 83,000
Richmond, Georgia 19 $ 3,787,000 $ 199,315 $ 46,000
Lorain, Ohio 19 $ 2,824,000 $ 148,631 $ 54,000
Charleston, South Carolina 19 $ 4,853,000 $ 255,421 $ 72,000
Williamson, Tennessee 18 $ 5,097,000 $ 283,166 $ 120,000
Chesterfield, Virginia 18 $ 4,177,000 $ 232,055 $ 90,000
Polk, Florida 17 $ 2,995,000 $ 176,176 $ 44,000
Jackson, Georgia 17 $ 3,988,000 $ 234,588 $ 85,000
Monroe, Georgia 17 $ 4,196,000 $ 246,823 $ 109,000
Bryan, Georgia 16 $ 4,613,000 $ 288,312 $ 91,000
Douglas, Georgia 16 $ 3,070,000 $ 191,875 $ 62,000
Cabarrus, North Carolina 16 $ 2,750,000 $ 171,875 $ 44,000
Guilford, North Carolina 16 $ 3,393,000 $ 212,062 $ 66,000
Loudoun, Virginia 16 $ 5,789,000 $ 361,812 $ 118,000
Lake, Florida 15 $ 3,110,000 $ 207,333 $ 56,000
Will, Illinois 15 $ 3,977,000 $ 265,133 $ 70,000
Bristol, Massachusetts 15 $ 4,337,000 $ 289,133 $ 78,000
Iredell, North Carolina 15 $ 2,723,000 $ 181,533 $ 75,000
Fort Bend, Texas 15 $ 3,154,000 $ 210,266 $ 36,000
Denver, Colorado 14 $ 3,423,000 $ 244,500 $ 54,000
Clay, Florida 14 $ 3,030,000 $ 216,428 $ 99,000
Osceola, Florida 14 $ 2,970,000 $ 212,142 $ 85,000
Clarke, Georgia 14 $ 2,814,000 $ 201,000 $ 112,000
Anne Arundel, Maryland 14 $ 3,821,000 $ 272,928 $ 69,000
Suffolk, Massachusetts 14 $ 4,190,000 $ 299,285 $ 61,000
Montgomery, Pennsylvania 14 $ 3,940,000 $ 281,428 $ 75,000
Richland, South Carolina 14 $ 2,641,000 $ 188,642 $ 33,000
Montgomery, Tennessee 14 $ 2,445,000 $ 174,642 $ 27,000
Shelby, Tennessee 14 $ 2,775,000 $ 198,214 $ 46,000
Travis, Texas 14 $ 3,381,000 $ 241,500 $ 87,000
Frederick, Virginia 14 $ 2,989,000 $ 213,500 $ 76,000
Virginia Beach, Virginia 14 $ 3,969,000 $ 283,500 $ 53,000
Pierce, Washington 14 $ 3,112,000 $ 222,285 $ 15,000
San Diego, California 13 $ 5,404,000 $ 415,692 $ 50,000
Adams, Colorado 13 $ 3,205,000 $ 246,538 $ 48,000
New Haven, Connecticut 13 $ 2,738,000 $ 210,615 $ 73,000
Bay, Florida 13 $ 3,123,000 $ 240,230 $ 139,000
Charlotte, Florida 13 $ 2,362,000 $ 181,692 $ 48,000
St. Lucie, Florida 13 $ 2,204,000 $ 169,538 $ 53,000
Camden, Georgia 13 $ 2,438,000 $ 187,538 $ 72,000
Muscogee, Georgia 13 $ 2,714,000 $ 208,769 $ 40,000
Towns, Georgia 13 $ 2,507,000 $ 192,846 $ 82,000
Union, Georgia 13 $ 2,488,000 $ 191,384 $ 97,000
Ada, Idaho 13 $ 2,585,000 $ 198,846 $ 32,000
DuPage, Illinois 13 $ 3,536,000 $ 272,000 $ 72,000
Kane, Illinois 13 $ 2,896,000 $ 222,769 $ 99,000
Barnstable, Massachusetts 13 $ 3,898,000 $ 299,846 $ 127,000
Wayne, Michigan 13 $ 1,875,000 $ 144,230 $ 31,000
Horry, South Carolina 13 $ 2,396,000 $ 184,307 $ 83,000
Dallas, Texas 13 $ 2,900,000 $ 223,076 $ 48,000
Denton, Texas 13 $ 2,815,000 $ 216,538 $ 44,000
Chesapeake, Virginia 13 $ 3,483,000 $ 267,923 $ 40,000
Pima, Arizona 12 $ 2,592,000 $ 216,000 $ 17,000
Jefferson, Colorado 12 $ 3,712,000 $ 309,333 $ 43,000
Ocean, New Jersey 12 $ 3,021,000 $ 251,750 $ 65,000
Johnston, North Carolina 12 $ 2,475,000 $ 206,250 $ 78,000
Medina, Ohio 12 $ 1,828,000 $ 152,333 $ 49,000
Stark, Ohio 12 $ 1,854,000 $ 154,500 $ 60,000
Stafford, Virginia 12 $ 3,938,000 $ 328,166 $ 69,000
Pulaski, Arkansas 11 $ 1,633,000 $ 148,454 $ 3,000
San Mateo, California 11 $ 5,408,000 $ 491,636 $ 107,000
Arapahoe, Colorado 11 $ 2,651,000 $ 241,000 $ 57,000
Fannin, Georgia 11 $ 2,661,000 $ 241,909 $ 196,000
Baltimore City, Maryland 11 $ 2,354,000 $ 214,000 $ 42,000
Jackson, Missouri 11 $ 2,009,000 $ 182,636 $ 15,000
Nassau, New York 11 $ 3,962,000 $ 360,181 $ 78,000
Oklahoma, Oklahoma 11 $ 2,195,000 $ 199,545 $ 32,000
Cumberland, Pennsylvania 11 $ 1,475,000 $ 134,090 $ 49,000
Berkeley, South Carolina 11 $ 1,926,000 $ 175,090 $ 31,000
Rutherford, Tennessee 11 $ 2,256,000 $ 205,090 $ 37,000
Collin, Texas 11 $ 3,546,000 $ 322,363 $ 126,000
Contra Costa, California 10 $ 3,991,000 $ 399,100 $ 43,000
Kent, Delaware 10 $ 1,955,000 $ 195,500 $ 33,000
Collier, Florida 10 $ 4,931,000 $ 493,100 $ 153,000
Carroll, Georgia 10 $ 1,932,000 $ 193,200 $ 89,000
Marion, Indiana 10 $ 1,408,000 $ 140,800 $ 19,000
Oakland, Michigan 10 $ 1,631,000 $ 163,100 $ 23,000
Douglas, Nebraska 10 $ 1,976,000 $ 197,600 $ 39,000
Hillsborough, New Hampshire 10 $ 2,204,000 $ 220,400 $ 23,000
Monmouth, New Jersey 10 $ 3,421,000 $ 342,100 $ 138,000
Buncombe, North Carolina 10 $ 2,189,000 $ 218,900 $ 59,000
Catawba, North Carolina 10 $ 2,003,000 $ 200,300 $ 87,000
Onslow, North Carolina 10 $ 1,654,000 $ 165,400 $ 25,000
Multnomah, Oregon 10 $ 2,183,000 $ 218,300 $ 61,000
Hamilton, Tennessee 10 $ 1,758,000 $ 175,800 $ 85,000
Wilson, Tennessee 10 $ 2,031,000 $ 203,100 $ 101,000
Jefferson, Alabama 9 $ 1,633,000 $ 181,444 $ 23,000
Mohave, Arizona 9 $ 1,514,000 $ 168,222 $ 13,000
Fairfield, Connecticut 9 $ 2,286,000 $ 254,000 $ 67,000
District of Columbia, District Of Columbia 9 $ 3,883,000 $ 431,444 $ 187,000
Effingham, Georgia 9 $ 1,721,000 $ 191,222 $ 87,000
Pickens, Georgia 9 $ 1,863,000 $ 207,000 $ 85,000
Frederick, Maryland 9 $ 2,419,000 $ 268,777 $ 105,000
Livingston, Michigan 9 $ 1,353,000 $ 150,333 $ 25,000
Middlesex, New Jersey 9 $ 2,750,000 $ 305,555 $ 131,000
Bernalillo, New Mexico 9 $ 1,979,000 $ 219,888 $ 27,000
Westchester, New York 9 $ 3,404,000 $ 378,222 $ 112,000
Lake, Ohio 9 $ 1,267,000 $ 140,777 $ 50,000
Marion, Oregon 9 $ 1,549,000 $ 172,111 $ 28,000
Washington, Oregon 9 $ 2,318,000 $ 257,555 $ 85,000
Philadelphia, Pennsylvania 9 $ 2,052,000 $ 228,000 $ 29,000
Sumner, Tennessee 9 $ 2,005,000 $ 222,777 $ 32,000
Williamson, Texas 9 $ 1,723,000 $ 191,444 $ 42,000
Clark, Washington 9 $ 2,569,000 $ 285,444 $ 50,000
Madison, Alabama 8 $ 1,229,000 $ 153,625 $ 34,000
Mobile, Alabama 8 $ 1,488,000 $ 186,000 $ 27,000
Kern, California 8 $ 1,430,000 $ 178,750 $ 10,000
Middlesex, Connecticut 8 $ 1,741,000 $ 217,625 $ 89,000
Tolland, Connecticut 8 $ 1,714,000 $ 214,250 $ 60,000
New Castle, Delaware 8 $ 2,303,000 $ 287,875 $ 50,000
Flagler, Florida 8 $ 1,498,000 $ 187,250 $ 72,000
Houston, Georgia 8 $ 1,652,000 $ 206,500 $ 91,000
Lake, Illinois 8 $ 1,612,000 $ 201,500 $ 99,000
Hampden, Massachusetts 8 $ 2,116,000 $ 264,500 $ 67,000
Macomb, Michigan 8 $ 1,274,000 $ 159,250 $ 22,000
Dakota, Minnesota 8 $ 1,305,000 $ 163,125 $ 29,000
Morris, New Jersey 8 $ 2,575,000 $ 321,875 $ 100,000
Queens, New York 8 $ 2,464,000 $ 308,000 $ 66,000
Durham, North Carolina 8 $ 1,647,000 $ 205,875 $ 42,000
Rutherford, North Carolina 8 $ 864,000 $ 108,000 $ 63,000
Tulsa, Oklahoma 8 $ 1,499,000 $ 187,375 $ 42,000
Anderson, South Carolina 8 $ 1,500,000 $ 187,500 $ 97,000
Lexington, South Carolina 8 $ 1,649,000 $ 206,125 $ 74,000
Spartanburg, South Carolina 8 $ 1,357,000 $ 169,625 $ 31,000
Salt Lake, Utah 8 $ 1,742,000 $ 217,750 $ 34,000
Henrico, Virginia 8 $ 1,766,000 $ 220,750 $ 79,000
Alameda, California 7 $ 2,240,000 $ 320,000 $ 111,000
Santa Clara, California 7 $ 3,381,000 $ 483,000 $ 66,000
Solano, California 7 $ 1,950,000 $ 278,571 $ 116,000
Tulare, California 7 $ 1,443,000 $ 206,142 $ 23,000
Indian River, Florida 7 $ 1,298,000 $ 185,428 $ 60,000
Lowndes, Georgia 7 $ 1,366,000 $ 195,142 $ 73,000
Lumpkin, Georgia 7 $ 1,600,000 $ 228,571 $ 153,000
McHenry, Illinois 7 $ 1,510,000 $ 215,714 $ 49,000
Caddo, Louisiana 7 $ 1,437,000 $ 205,285 $ 55,000
East Baton Rouge, Louisiana 7 $ 1,070,000 $ 152,857 $ 23,000
St. Tammany, Louisiana 7 $ 1,692,000 $ 241,714 $ 78,000
Howard, Maryland 7 $ 2,281,000 $ 325,857 $ 47,000
Queen Anne's, Maryland 7 $ 2,144,000 $ 306,285 $ 75,000
Hennepin, Minnesota 7 $ 1,635,000 $ 233,571 $ 18,000
St. Charles, Missouri 7 $ 1,376,000 $ 196,571 $ 25,000
St. Louis, Missouri 7 $ 1,227,000 $ 175,285 $ 14,000
Bergen, New Jersey 7 $ 2,184,000 $ 312,000 $ 209,000
Erie, New York 7 $ 937,000 $ 133,857 $ 74,000
Harnett, North Carolina 7 $ 1,471,000 $ 210,142 $ 77,000
New Hanover, North Carolina 7 $ 1,971,000 $ 281,571 $ 114,000
Portage, Ohio 7 $ 1,206,000 $ 172,285 $ 59,000
Preble, Ohio 7 $ 763,000 $ 109,000 $ 42,000
Butler, Pennsylvania 7 $ 1,734,000 $ 247,714 $ 73,000
Dorchester, South Carolina 7 $ 1,455,000 $ 207,857 $ 71,000
Galveston, Texas 7 $ 1,797,000 $ 256,714 $ 45,000
Hanover, Virginia 7 $ 1,964,000 $ 280,571 $ 106,000
Kitsap, Washington 7 $ 1,431,000 $ 204,428 $ 57,000
Dane, Wisconsin 7 $ 1,430,000 $ 204,285 $ 32,000
Milwaukee, Wisconsin 7 $ 1,537,000 $ 219,571 $ 85,000
Waukesha, Wisconsin 7 $ 2,036,000 $ 290,857 $ 151,000
Benton, Arkansas 6 $ 997,000 $ 166,166 $ 32,000
San Joaquin, California 6 $ 1,482,000 $ 247,000 $ 58,000
Stanislaus, California 6 $ 1,056,000 $ 176,000 $ 5,000
Citrus, Florida 6 $ 1,172,000 $ 195,333 $ 190,000
Leon, Florida 6 $ 1,219,000 $ 203,166 $ 193,000
Oconee, Georgia 6 $ 1,557,000 $ 259,500 $ 89,000
Orleans, Louisiana 6 $ 1,481,000 $ 246,833 $ 52,000
Rapides, Louisiana 6 $ 1,069,000 $ 178,166 $ 0
Carroll, Maryland 6 $ 1,555,000 $ 259,166 $ 87,000
Harford, Maryland 6 $ 1,645,000 $ 274,166 $ 34,000
DeSoto, Mississippi 6 $ 989,000 $ 164,833 $ 42,000
Lyon, Nevada 6 $ 1,108,000 $ 184,666 $ 27,000
Washoe, Nevada 6 $ 1,909,000 $ 318,166 $ 33,000
Monroe, New York 6 $ 1,028,000 $ 171,333 $ 70,000
Suffolk, New York 6 $ 1,989,000 $ 331,500 $ 83,000
Brunswick, North Carolina 6 $ 1,909,000 $ 318,166 $ 113,000
Wagoner, Oklahoma 6 $ 800,000 $ 133,333 $ 25,000
Washington, Pennsylvania 6 $ 1,328,000 $ 221,333 $ 148,000
Lancaster, South Carolina 6 $ 1,674,000 $ 279,000 $ 57,000
Sumter, South Carolina 6 $ 1,122,000 $ 187,000 $ 24,000
Knox, Tennessee 6 $ 1,292,000 $ 215,333 $ 105,000
Arlington, Virginia 6 $ 2,099,000 $ 349,833 $ 179,000
Snohomish, Washington 6 $ 1,798,000 $ 299,666 $ 72,000
Yavapai, Arizona 5 $ 1,031,000 $ 206,200 $ 4,000
Orange, California 5 $ 1,862,000 $ 372,400 $ 77,000
Hernando, Florida 5 $ 1,034,000 $ 206,800 $ 54,000
Monroe, Florida 5 $ 1,829,000 $ 365,800 $ 192,000
Bulloch, Georgia 5 $ 977,000 $ 195,400 $ 103,000
Harris, Georgia 5 $ 1,158,000 $ 231,600 $ 51,000
Hart, Georgia 5 $ 1,102,000 $ 220,400 $ 68,000
Liberty, Georgia 5 $ 823,000 $ 164,600 $ 16,000
Kendall, Illinois 5 $ 1,036,000 $ 207,200 $ 58,000
Warrick, Indiana 5 $ 566,000 $ 113,200 $ 65,000
Hardin, Kentucky 5 $ 1,177,000 $ 235,400 $ 51,000
Jefferson, Kentucky 5 $ 839,000 $ 167,800 $ 20,000
Bossier, Louisiana 5 $ 956,000 $ 191,200 $ 39,000
Jefferson, Louisiana 5 $ 1,158,000 $ 231,600 $ 45,000
Calvert, Maryland 5 $ 1,607,000 $ 321,400 $ 84,000
Charles, Maryland 5 $ 1,045,000 $ 209,000 $ 15,000
Kent, Michigan 5 $ 1,066,000 $ 213,200 $ 51,000
Clay, Missouri 5 $ 1,433,000 $ 286,600 $ 23,000
Essex, New Jersey 5 $ 1,277,000 $ 255,400 $ 53,000
Somerset, New Jersey 5 $ 1,755,000 $ 351,000 $ 176,000
Union, New Jersey 5 $ 1,383,000 $ 276,600 $ 86,000
Clay, North Carolina 5 $ 952,000 $ 190,400 $ 81,000
Henderson, North Carolina 5 $ 898,000 $ 179,600 $ 56,000
Orange, North Carolina 5 $ 1,409,000 $ 281,800 $ 75,000
Pender, North Carolina 5 $ 1,438,000 $ 287,600 $ 119,000
Rowan, North Carolina 5 $ 1,230,000 $ 246,000 $ 52,000
Fairfield, Ohio 5 $ 967,000 $ 193,400 $ 35,000
Geauga, Ohio 5 $ 718,000 $ 143,600 $ 73,000
Deschutes, Oregon 5 $ 1,290,000 $ 258,000 $ 164,000
Jackson, Oregon 5 $ 1,162,000 $ 232,400 $ 25,000
Bucks, Pennsylvania 5 $ 1,212,000 $ 242,400 $ 44,000
Huntingdon, Pennsylvania 5 $ 1,139,000 $ 227,800 $ 59,000
Northampton, Pennsylvania 5 $ 1,250,000 $ 250,000 $ 76,000
Providence, Rhode Island 5 $ 904,000 $ 180,800 $ 67,000
Oconee, South Carolina 5 $ 802,000 $ 160,400 $ 146,000
Bradley, Tennessee 5 $ 847,000 $ 169,400 $ 69,000
Rockwall, Texas 5 $ 1,671,000 $ 334,200 $ 69,000
Weber, Utah 5 $ 928,000 $ 185,600 $ 8,000
Richmond City, Virginia 5 $ 1,202,000 $ 240,400 $ 71,000
Fresno, California 4 $ 872,000 $ 218,000 $ 31,000
Ventura, California 4 $ 1,795,000 $ 448,750 $ 142,000
Pueblo, Colorado 4 $ 753,000 $ 188,250 $ 0
Alachua, Florida 4 $ 1,205,000 $ 301,250 $ 297,000
Escambia, Florida 4 $ 542,000 $ 135,500 $ 95,000
Martin, Florida 4 $ 1,120,000 $ 280,000 $ 107,000
Putnam, Florida 4 $ 462,000 $ 115,500 $ 94,000
Walton, Florida 4 $ 1,290,000 $ 322,500 $ 179,000
Brantley, Georgia 4 $ 295,000 $ 73,750 $ 55,000
Franklin, Georgia 4 $ 988,000 $ 247,000 $ 90,000
Gilmer, Georgia 4 $ 888,000 $ 222,000 $ 155,000
Gordon, Georgia 4 $ 975,000 $ 243,750 $ 151,000
Greene, Georgia 4 $ 1,668,000 $ 417,000 $ 445,000
Haralson, Georgia 4 $ 713,000 $ 178,250 $ 67,000
Jones, Georgia 4 $ 1,092,000 $ 273,000 $ 85,000
Laurens, Georgia 4 $ 848,000 $ 212,000 $ 47,000
Long, Georgia 4 $ 850,000 $ 212,500 $ 10,000
Polk, Georgia 4 $ 495,000 $ 123,750 $ 12,000
White, Georgia 4 $ 1,025,000 $ 256,250 $ 55,000
Kootenai, Idaho 4 $ 1,405,000 $ 351,250 $ 98,000
Porter, Indiana 4 $ 665,000 $ 166,250 $ 0
Livingston, Louisiana 4 $ 840,000 $ 210,000 $ 89,000
Washington, Maryland 4 $ 845,000 $ 211,250 $ 39,000
Genesee, Michigan 4 $ 764,000 $ 191,000 $ 49,000
St. Clair, Michigan 4 $ 653,000 $ 163,250 $ 15,000
Anoka, Minnesota 4 $ 775,000 $ 193,750 $ 31,000
Sherburne, Minnesota 4 $ 743,000 $ 185,750 $ 28,000
Buchanan, Missouri 4 $ 626,000 $ 156,500 $ 0
St. Louis City, Missouri 4 $ 674,000 $ 168,500 $ 20,000
Belknap, New Hampshire 4 $ 869,000 $ 217,250 $ 16,000
Rockingham, New Hampshire 4 $ 1,367,000 $ 341,750 $ 0
Strafford, New Hampshire 4 $ 1,024,000 $ 256,000 $ 41,000
Cape May, New Jersey 4 $ 928,000 $ 232,000 $ 64,000
Hudson, New Jersey 4 $ 1,487,000 $ 371,750 $ 140,000
Chautauqua, New York 4 $ 808,000 $ 202,000 $ 62,000
Kings, New York 4 $ 2,022,000 $ 505,500 $ 103,000
Davie, North Carolina 4 $ 912,000 $ 228,000 $ 91,000
Granville, North Carolina 4 $ 696,000 $ 174,000 $ 22,000
Moore, North Carolina 4 $ 904,000 $ 226,000 $ 67,000
Watauga, North Carolina 4 $ 856,000 $ 214,000 $ 61,000
Burleigh, North Dakota 4 $ 851,000 $ 212,750 $ 46,000
Licking, Ohio 4 $ 649,000 $ 162,250 $ 35,000
Montgomery, Ohio 4 $ 721,000 $ 180,250 $ 28,000
Clackamas, Oregon 4 $ 766,000 $ 191,500 $ 50,000
Lane, Oregon 4 $ 763,000 $ 190,750 $ 52,000
Beaver, Pennsylvania 4 $ 585,000 $ 146,250 $ 59,000
Bedford, Pennsylvania 4 $ 421,000 $ 105,250 $ 37,000
Berks, Pennsylvania 4 $ 789,000 $ 197,250 $ 49,000
Centre, Pennsylvania 4 $ 859,000 $ 214,750 $ 117,000
Mercer, Pennsylvania 4 $ 460,000 $ 115,000 $ 63,000
Westmoreland, Pennsylvania 4 $ 546,000 $ 136,500 $ 24,000
York, Pennsylvania 4 $ 775,000 $ 193,750 $ 24,000
Pickens, South Carolina 4 $ 928,000 $ 232,000 $ 70,000
Marshall, Tennessee 4 $ 899,000 $ 224,750 $ 34,000
McMinn, Tennessee 4 $ 639,000 $ 159,750 $ 36,000
Washington, Tennessee 4 $ 768,000 $ 192,000 $ 41,000
Bell, Texas 4 $ 745,000 $ 186,250 $ 0
Brazoria, Texas 4 $ 822,000 $ 205,500 $ 0
Brazos, Texas 4 $ 770,000 $ 192,500 $ 102,000
Ellis, Texas 4 $ 619,000 $ 154,750 $ 13,000
Hays, Texas 4 $ 795,000 $ 198,750 $ 114,000
Kaufman, Texas 4 $ 922,000 $ 230,500 $ 25,000
Lubbock, Texas 4 $ 718,000 $ 179,500 $ 33,000
Parker, Texas 4 $ 753,000 $ 188,250 $ 130,000
San Patricio, Texas 4 $ 813,000 $ 203,250 $ 35,000
Utah, Utah 4 $ 1,071,000 $ 267,750 $ 34,000
Alexandria, Virginia 4 $ 1,747,000 $ 436,750 $ 137,000
Dinwiddie, Virginia 4 $ 600,000 $ 150,000 $ 43,000
Hampton, Virginia 4 $ 1,097,000 $ 274,250 $ 25,000
Isle of Wight, Virginia 4 $ 1,469,000 $ 367,250 $ 110,000
Norfolk, Virginia 4 $ 949,000 $ 237,250 $ 36,000
Powhatan, Virginia 4 $ 1,077,000 $ 269,250 $ 114,000
Shenandoah, Virginia 4 $ 666,000 $ 166,500 $ 58,000
Spokane, Washington 4 $ 754,000 $ 188,500 $ 27,000
Wood, West Virginia 4 $ 812,000 $ 203,000 $ 0
Racine, Wisconsin 4 $ 546,000 $ 136,500 $ 27,000
Baldwin, Alabama 3 $ 488,000 $ 162,666 $ 26,000
Elmore, Alabama 3 $ 577,000 $ 192,333 $ 0
Houston, Alabama 3 $ 586,000 $ 195,333 $ 25,000
Jackson, Alabama 3 $ 470,000 $ 156,666 $ 0
Limestone, Alabama 3 $ 810,000 $ 270,000 $ 108,000
Montgomery, Alabama 3 $ 556,000 $ 185,333 $ 16,000
Talladega, Alabama 3 $ 607,000 $ 202,333 $ 0
Craighead, Arkansas 3 $ 397,000 $ 132,333 $ 27,000
Butte, California 3 $ 354,000 $ 118,000 $ 12,000
San Luis Obispo, California 3 $ 1,015,000 $ 338,333 $ 87,000
Yolo, California 3 $ 805,000 $ 268,333 $ 65,000
Larimer, Colorado 3 $ 1,312,000 $ 437,333 $ 65,000
Litchfield, Connecticut 3 $ 464,000 $ 154,666 $ 98,000
New London, Connecticut 3 $ 681,000 $ 227,000 $ 50,000
Sussex, Delaware 3 $ 765,000 $ 255,000 $ 56,000
Highlands, Florida 3 $ 646,000 $ 215,333 $ 54,000
Okaloosa, Florida 3 $ 561,000 $ 187,000 $ 23,000
Santa Rosa, Florida 3 $ 851,000 $ 283,666 $ 126,000
Baldwin, Georgia 3 $ 643,000 $ 214,333 $ 83,000
Butts, Georgia 3 $ 793,000 $ 264,333 $ 84,000
Habersham, Georgia 3 $ 785,000 $ 261,666 $ 0
Hancock, Georgia 3 $ 538,000 $ 179,333 $ 72,000
Putnam, Georgia 3 $ 621,000 $ 207,000 $ 68,000
Spalding, Georgia 3 $ 601,000 $ 200,333 $ 52,000
Nez Perce, Idaho 3 $ 435,000 $ 145,000 $ 0
Kankakee, Illinois 3 $ 426,000 $ 142,000 $ 29,000
Madison, Illinois 3 $ 510,000 $ 170,000 $ 0
Peoria, Illinois 3 $ 677,000 $ 225,666 $ 66,000
Sangamon, Illinois 3 $ 480,000 $ 160,000 $ 0
St. Clair, Illinois 3 $ 618,000 $ 206,000 $ 60,000
Hancock, Indiana 3 $ 512,000 $ 170,666 $ 0
Howard, Indiana 3 $ 355,000 $ 118,333 $ 16,000
Lake, Indiana 3 $ 435,000 $ 145,000 $ 16,000
Linn, Iowa 3 $ 611,000 $ 203,666 $ 0
Johnson, Kansas 3 $ 455,000 $ 151,666 $ 45,000
Boone, Kentucky 3 $ 555,000 $ 185,000 $ 34,000
Ascension, Louisiana 3 $ 781,000 $ 260,333 $ 73,000
Sagadahoc, Maine 3 $ 418,000 $ 139,333 $ 13,000
St. Mary's, Maryland 3 $ 781,000 $ 260,333 $ 13,000
Allegan, Michigan 3 $ 452,000 $ 150,666 $ 0
Goodhue, Minnesota 3 $ 499,000 $ 166,333 $ 0
Washington, Minnesota 3 $ 537,000 $ 179,000 $ 0
Cass, Missouri 3 $ 578,000 $ 192,666 $ 72,000
Christian, Missouri 3 $ 467,000 $ 155,666 $ 21,000
Yellowstone, Montana 3 $ 776,000 $ 258,666 $ 24,000
Sarpy, Nebraska 3 $ 673,000 $ 224,333 $ 15,000
Carson City, Nevada 3 $ 512,000 $ 170,666 $ 0
Merrimack, New Hampshire 3 $ 720,000 $ 240,000 $ 0
Atlantic, New Jersey 3 $ 970,000 $ 323,333 $ 96,000
Burlington, New Jersey 3 $ 895,000 $ 298,333 $ 121,000
Camden, New Jersey 3 $ 592,000 $ 197,333 $ 43,000
Passaic, New Jersey 3 $ 1,083,000 $ 361,000 $ 73,000
Bronx, New York 3 $ 1,134,000 $ 378,000 $ 47,000
Orange, New York 3 $ 605,000 $ 201,666 $ 88,000
Burke, North Carolina 3 $ 568,000 $ 189,333 $ 56,000
Cleveland, North Carolina 3 $ 462,000 $ 154,000 $ 136,000
Duplin, North Carolina 3 $ 500,000 $ 166,666 $ 0
Pitt, North Carolina 3 $ 545,000 $ 181,666 $ 58,000
Stokes, North Carolina 3 $ 647,000 $ 215,666 $ 92,000
Surry, North Carolina 3 $ 684,000 $ 228,000 $ 48,000
Wayne, North Carolina 3 $ 458,000 $ 152,666 $ 0
Yadkin, North Carolina 3 $ 915,000 $ 305,000 $ 118,000
Ashland, Ohio 3 $ 305,000 $ 101,666 $ 49,000
Greene, Ohio 3 $ 476,000 $ 158,666 $ 29,000
Comanche, Oklahoma 3 $ 663,000 $ 221,000 $ 20,000
Rogers, Oklahoma 3 $ 525,000 $ 175,000 $ 0
Douglas, Oregon 3 $ 398,000 $ 132,666 $ 13,000
Linn, Oregon 3 $ 519,000 $ 173,000 $ 0
Yamhill, Oregon 3 $ 606,000 $ 202,000 $ 65,000
Cambria, Pennsylvania 3 $ 533,000 $ 177,666 $ 77,000
Chester, Pennsylvania 3 $ 735,000 $ 245,000 $ 56,000
Dauphin, Pennsylvania 3 $ 431,000 $ 143,666 $ 40,000
Erie, Pennsylvania 3 $ 487,000 $ 162,333 $ 64,000
Franklin, Pennsylvania 3 $ 324,000 $ 108,000 $ 23,000
Jefferson, Pennsylvania 3 $ 448,000 $ 149,333 $ 54,000
Lancaster, Pennsylvania 3 $ 482,000 $ 160,666 $ 0
Kent, Rhode Island 3 $ 666,000 $ 222,000 $ 29,000
Kershaw, South Carolina 3 $ 585,000 $ 195,000 $ 19,000
Robertson, Tennessee 3 $ 857,000 $ 285,666 $ 75,000
Sullivan, Tennessee 3 $ 629,000 $ 209,666 $ 0
Hidalgo, Texas 3 $ 476,000 $ 158,666 $ 60,000
McLennan, Texas 3 $ 337,000 $ 112,333 $ 33,000
Davis, Utah 3 $ 735,000 $ 245,000 $ 45,000
Fauquier, Virginia 3 $ 763,000 $ 254,333 $ 114,000
Gloucester, Virginia 3 $ 763,000 $ 254,333 $ 50,000
James City, Virginia 3 $ 990,000 $ 330,000 $ 30,000
Portsmouth, Virginia 3 $ 558,000 $ 186,000 $ 0
Roanoke, Virginia 3 $ 551,000 $ 183,666 $ 82,000
Spotsylvania, Virginia 3 $ 891,000 $ 297,000 $ 83,000
Suffolk, Virginia 3 $ 826,000 $ 275,333 $ 63,000
Thurston, Washington 3 $ 715,000 $ 238,333 $ 0
Fond du Lac, Wisconsin 3 $ 453,000 $ 151,000 $ 15,000
St. Croix, Wisconsin 3 $ 878,000 $ 292,666 $ 140,000
Coffee, Alabama 2 $ 364,000 $ 182,000 $ 0
Lee, Alabama 2 $ 395,000 $ 197,500 $ 90,000
Shelby, Alabama 2 $ 480,000 $ 240,000 $ 78,000
Tuscaloosa, Alabama 2 $ 395,000 $ 197,500 $ 0
Anchorage, Alaska 2 $ 381,000 $ 190,500 $ 0
Cochise, Arizona 2 $ 291,000 $ 145,500 $ 0
Lonoke, Arkansas 2 $ 363,000 $ 181,500 $ 0
Sebastian, Arkansas 2 $ 284,000 $ 142,000 $ 0
Washington, Arkansas 2 $ 332,000 $ 166,000 $ 87,000
El Dorado, California 2 $ 998,000 $ 499,000 $ 69,000
Humboldt, California 2 $ 434,000 $ 217,000 $ 0
Kings, California 2 $ 289,000 $ 144,500 $ 21,000
Placer, California 2 $ 777,000 $ 388,500 $ 0
Santa Barbara, California 2 $ 1,244,000 $ 622,000 $ 47,000
Sutter, California 2 $ 769,000 $ 384,500 $ 0
Tuolumne, California 2 $ 414,000 $ 207,000 $ 43,000
Yuba, California 2 $ 304,000 $ 152,000 $ 0
Douglas, Colorado 2 $ 615,000 $ 307,500 $ 82,000
Bradford, Florida 2 $ 384,000 $ 192,000 $ 31,000
Franklin, Florida 2 $ 596,000 $ 298,000 $ 157,000
Dougherty, Georgia 2 $ 201,000 $ 100,500 $ 24,000
Grady, Georgia 2 $ 186,000 $ 93,000 $ 69,000
Lamar, Georgia 2 $ 607,000 $ 303,500 $ 0
Oglethorpe, Georgia 2 $ 423,000 $ 211,500 $ 89,000
Peach, Georgia 2 $ 267,000 $ 133,500 $ 29,000
Pike, Georgia 2 $ 375,000 $ 187,500 $ 46,000
Troup, Georgia 2 $ 404,000 $ 202,000 $ 34,000
Shoshone, Idaho 2 $ 248,000 $ 124,000 $ 17,000
Twin Falls, Idaho 2 $ 356,000 $ 178,000 $ 0
Champaign, Illinois 2 $ 424,000 $ 212,000 $ 0
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Mortgage Loan Application Detail Totals for Cbc National Bank in 2016

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 5,116 $1,210,088,000 $236,000 $1,900,000 $71,000 $1,853,000
Home Purchase 4,012 $971,082,000 $242,000 $1,525,000 $115,000 $9,125,000
Home Improvement 193 $47,549,000 $246,000 $1,000,000 $108,000 $1,049,000

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 7,211 $1,743,190,000 $241,000 $1,900,000 $96,000 $9,125,000
Black or African American 966 $204,846,000 $212,000 $1,061,000 $49,000 $1,049,000
Hispanic 466 $104,311,000 $223,000 $870,000 $70,000 $445,000
Asian 349 $95,959,000 $274,000 $750,000 $112,000 $452,000
Not Provided 270 $66,682,000 $246,000 $737,000 $104,000 $1,042,000
American Indian or Alaskan Native 32 $6,953,000 $217,000 $867,000 $57,000 $291,000
Not applicable 14 $3,110,000 $222,000 $590,000 $0 $0
Native Hawaiin or Other Pacific Islander 13 $3,668,000 $282,000 $417,000 $70,000 $159,000

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) 5,172 $1,349,250,000 $260,000 $1,900,000 $131,000 $9,125,000
VA-guaranteed (Veterans Administration) 2,119 $474,829,000 $224,000 $821,000 $32,000 $322,000
FHA-insured (Federal Housing Administration) 2,030 $404,640,000 $199,000 $1,061,000 $49,000 $397,000
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 8,140 $1,945,845,000 $239,000 $1,900,000 $91,000 $9,125,000
Application Approved But Not Accepted 590 $141,642,000 $240,000 $994,000 $86,000 $1,011,000
Application Denied By Financial Institution 523 $126,182,000 $241,000 $1,000,000 $91,000 $1,049,000
Application Withdrawn By Applicant 66 $14,354,000 $217,000 $417,000 $99,000 $325,000
Loan Purchased By The Institution 2 $696,000 $348,000 $590,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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
Collateral 221 $53,640,000 $242,000 $1,000,000 $107,000 $1,049,000
Debt-To-Income Ratio 122 $31,241,000 $256,000 $821,000 $73,000 $623,000
Credit History 74 $17,664,000 $238,000 $744,000 $84,000 $395,000
Other 41 $9,775,000 $238,000 $613,000 $92,000 $342,000
Employment History 24 $5,283,000 $220,000 $417,000 $87,000 $600,000
Credit Application Incomplete 17 $3,260,000 $191,000 $417,000 $51,000 $116,000
Unverifiable Information 14 $3,070,000 $219,000 $409,000 $72,000 $139,000
Insufficient Cash (Downpayment, Closing Cost) 10 $2,249,000 $224,000 $400,000 $100,000 $167,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cbc National Bank's 2016 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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