Fnb of Nassau County Mortgage Lending & HMDA Data, 2003
In 2003, Fnb of Nassau County of Fernandina Beach, FL reported 3,620 mortgage applications totaling $755.5 million. The average application was for $208,713, and applicants reported an average income of $95,603. 79% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Boston, MA-NH (431), Jacksonville, FL (402) and Portsmouth-Rochester, NH-ME (356) (applications in parentheses).
| Mortgage Company & Address | Fnb of Nassau County 1891 S. 14th Street Fernandina Beach, FL 32034 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,620 |
| Total Mortgage Loan Application Amount | $755,542,000 |
| Average Mortgage Loan Application Amount | $208,713 |
| Highest Mortgage Loan Application Amount | $1,950,000 |
| Average Applicant Income | $95,603 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fnb of Nassau County filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rockingham, New Hampshire | 391 | $ 80,774,000 | $ 206,583 | $ 79,000 |
| Cumberland, Maine | 250 | $ 51,698,000 | $ 206,792 | $ 72,000 |
| Monmouth, New Jersey | 247 | $ 59,863,000 | $ 242,360 | $ 129,000 |
| Hillsborough, New Hampshire | 210 | $ 41,117,000 | $ 195,795 | $ 83,000 |
| Nassau, Florida | 184 | $ 31,505,000 | $ 171,222 | $ 82,000 |
| Norfolk, Massachusetts | 156 | $ 42,180,000 | $ 270,384 | $ 145,000 |
| Essex, Massachusetts | 135 | $ 31,831,000 | $ 235,785 | $ 104,000 |
| Duval, Florida | 125 | $ 20,551,000 | $ 164,408 | $ 70,000 |
| Beaufort, South Carolina | 107 | $ 23,905,000 | $ 223,411 | $ 100,000 |
| York, Maine | 105 | $ 22,919,000 | $ 218,276 | $ 111,000 |
| Strafford, New Hampshire | 101 | $ 16,751,000 | $ 165,851 | $ 85,000 |
| Middlesex, Massachusetts | 88 | $ 27,824,000 | $ 316,181 | $ 114,000 |
| St. Johns, Florida | 86 | $ 18,295,000 | $ 212,732 | $ 150,000 |
| Plymouth, Massachusetts | 85 | $ 23,083,000 | $ 271,564 | $ 113,000 |
| Bucks, Pennsylvania | 78 | $ 18,096,000 | $ 232,000 | $ 118,000 |
| Ocean, New Jersey | 70 | $ 13,198,000 | $ 188,542 | $ 72,000 |
| Wake, North Carolina | 68 | $ 12,847,000 | $ 188,926 | $ 96,000 |
| Hampden, Massachusetts | 67 | $ 8,440,000 | $ 125,970 | $ 55,000 |
| Merrimack, New Hampshire | 54 | $ 9,742,000 | $ 180,407 | $ 88,000 |
| Suffolk, Massachusetts | 52 | $ 12,300,000 | $ 236,538 | $ 134,000 |
| Fairfield, Connecticut | 51 | $ 14,261,000 | $ 279,627 | $ 140,000 |
| Middlesex, New Jersey | 50 | $ 10,000,000 | $ 200,000 | $ 97,000 |
| Montgomery, Pennsylvania | 49 | $ 12,047,000 | $ 245,857 | $ 124,000 |
| Mecklenburg, North Carolina | 35 | $ 6,145,000 | $ 175,571 | $ 73,000 |
| Barnstable, Massachusetts | 26 | $ 6,020,000 | $ 231,538 | $ 107,000 |
| Bristol, Massachusetts | 25 | $ 4,645,000 | $ 185,800 | $ 103,000 |
| Windham, Vermont | 23 | $ 2,784,000 | $ 121,043 | $ 73,000 |
| Hampshire, Massachusetts | 17 | $ 2,533,000 | $ 149,000 | $ 90,000 |
| Worcester, Massachusetts | 17 | $ 3,863,000 | $ 227,235 | $ 99,000 |
| Greenville, South Carolina | 16 | $ 2,709,000 | $ 169,312 | $ 78,000 |
| Hunterdon, New Jersey | 13 | $ 3,144,000 | $ 241,846 | $ 103,000 |
| Morris, New Jersey | 13 | $ 3,016,000 | $ 232,000 | $ 93,000 |
| Union, New Jersey | 13 | $ 2,230,000 | $ 171,538 | $ 51,000 |
| Fairfax, Virginia | 13 | $ 4,038,000 | $ 310,615 | $ 159,000 |
| Belknap, New Hampshire | 12 | $ 2,253,000 | $ 187,750 | $ 151,000 |
| Carroll, New Hampshire | 11 | $ 2,652,000 | $ 241,090 | $ 114,000 |
| Charleston, South Carolina | 11 | $ 3,184,000 | $ 289,454 | $ 70,000 |
| Jefferson, Alabama | 10 | $ 1,363,000 | $ 136,300 | $ 71,000 |
| Lee, Alabama | 10 | $ 1,128,000 | $ 112,800 | $ 54,000 |
| Kennebec, Maine | 10 | $ 1,688,000 | $ 168,800 | $ 134,000 |
| Sagadahoc, Maine | 10 | $ 1,701,000 | $ 170,100 | $ 91,000 |
| Greene, Georgia | 9 | $ 3,523,000 | $ 391,444 | $ 217,000 |
| Oxford, Maine | 9 | $ 1,324,000 | $ 147,111 | $ 89,000 |
| Volusia, Florida | 8 | $ 1,172,000 | $ 146,500 | $ 87,000 |
| Putnam, Georgia | 8 | $ 2,184,000 | $ 273,000 | $ 138,000 |
| Bergen, New Jersey | 8 | $ 1,882,000 | $ 235,250 | $ 60,000 |
| Buncombe, North Carolina | 8 | $ 1,019,000 | $ 127,375 | $ 25,000 |
| Clay, Florida | 7 | $ 910,000 | $ 130,000 | $ 31,000 |
| Cobb, Georgia | 7 | $ 947,000 | $ 135,285 | $ 70,000 |
| Montgomery, Maryland | 7 | $ 1,392,000 | $ 198,857 | $ 93,000 |
| Somerset, New Jersey | 7 | $ 1,654,000 | $ 236,285 | $ 122,000 |
| Guilford, North Carolina | 7 | $ 899,000 | $ 128,428 | $ 66,000 |
| Person, North Carolina | 7 | $ 847,000 | $ 121,000 | $ 60,000 |
| Horry, South Carolina | 7 | $ 1,597,000 | $ 228,142 | $ 124,000 |
| Lexington, South Carolina | 7 | $ 1,186,000 | $ 169,428 | $ 92,000 |
| Chittenden, Vermont | 7 | $ 1,524,000 | $ 217,714 | $ 102,000 |
| Arlington, Virginia | 7 | $ 2,403,000 | $ 343,285 | $ 121,000 |
| Broward, Florida | 6 | $ 631,000 | $ 105,166 | $ 250,000 |
| Androscoggin, Maine | 6 | $ 652,000 | $ 108,666 | $ 55,000 |
| Burlington, New Jersey | 6 | $ 1,414,000 | $ 235,666 | $ 87,000 |
| Essex, New Jersey | 6 | $ 2,048,000 | $ 341,333 | $ 162,000 |
| Mercer, New Jersey | 6 | $ 1,854,000 | $ 309,000 | $ 192,000 |
| Durham, North Carolina | 6 | $ 780,000 | $ 130,000 | $ 62,000 |
| Aiken, South Carolina | 6 | $ 707,000 | $ 117,833 | $ 62,000 |
| Anderson, South Carolina | 6 | $ 726,000 | $ 121,000 | $ 47,000 |
| Rutland, Vermont | 6 | $ 1,080,000 | $ 180,000 | $ 199,000 |
| Prince William, Virginia | 6 | $ 1,694,000 | $ 282,333 | $ 83,000 |
| Montgomery, Alabama | 5 | $ 419,000 | $ 83,800 | $ 28,000 |
| New Haven, Connecticut | 5 | $ 1,087,000 | $ 217,400 | $ 101,000 |
| DeKalb, Georgia | 5 | $ 638,000 | $ 127,600 | $ 50,000 |
| Cheshire, New Hampshire | 5 | $ 1,413,000 | $ 282,600 | $ 102,000 |
| Grafton, New Hampshire | 5 | $ 727,000 | $ 145,400 | $ 55,000 |
| Atlantic, New Jersey | 5 | $ 648,000 | $ 129,600 | $ 111,000 |
| Passaic, New Jersey | 5 | $ 840,000 | $ 168,000 | $ 100,000 |
| Cumberland, North Carolina | 5 | $ 489,000 | $ 97,800 | $ 53,000 |
| Union, North Carolina | 5 | $ 967,000 | $ 193,400 | $ 56,000 |
| Delaware, Pennsylvania | 5 | $ 1,500,000 | $ 300,000 | $ 61,000 |
| Spartanburg, South Carolina | 5 | $ 669,000 | $ 133,800 | $ 71,000 |
| York, South Carolina | 5 | $ 686,000 | $ 137,200 | $ 51,000 |
| Flagler, Florida | 4 | $ 1,117,000 | $ 279,250 | $ 148,000 |
| Fulton, Georgia | 4 | $ 1,494,000 | $ 373,500 | $ 201,000 |
| Knox, Maine | 4 | $ 775,000 | $ 193,750 | $ 109,000 |
| Nantucket, Massachusetts | 4 | $ 1,411,000 | $ 352,750 | $ 238,000 |
| Sullivan, New Hampshire | 4 | $ 468,000 | $ 117,000 | $ 74,000 |
| Cape May, New Jersey | 4 | $ 997,000 | $ 249,250 | $ 172,000 |
| Gaston, North Carolina | 4 | $ 502,000 | $ 125,500 | $ 65,000 |
| Johnston, North Carolina | 4 | $ 447,000 | $ 111,750 | $ 76,000 |
| Moore, North Carolina | 4 | $ 835,000 | $ 208,750 | $ 116,000 |
| Stanly, North Carolina | 4 | $ 474,000 | $ 118,500 | $ 72,000 |
| Alexandria, Virginia | 4 | $ 1,174,000 | $ 293,500 | $ 122,000 |
| Collier, Florida | 3 | $ 529,000 | $ 176,333 | $ 204,000 |
| Bibb, Georgia | 3 | $ 395,000 | $ 131,666 | $ 77,000 |
| Houston, Georgia | 3 | $ 353,000 | $ 117,666 | $ 47,000 |
| Hancock, Maine | 3 | $ 481,000 | $ 160,333 | $ 52,000 |
| Brunswick, North Carolina | 3 | $ 222,000 | $ 74,000 | $ 24,000 |
| Carteret, North Carolina | 3 | $ 1,208,000 | $ 402,666 | $ 165,000 |
| Catawba, North Carolina | 3 | $ 392,000 | $ 130,666 | $ 56,000 |
| Davidson, North Carolina | 3 | $ 283,000 | $ 94,333 | $ 36,000 |
| Granville, North Carolina | 3 | $ 580,000 | $ 193,333 | $ 66,000 |
| Lee, North Carolina | 3 | $ 350,000 | $ 116,666 | $ 57,000 |
| Randolph, North Carolina | 3 | $ 363,000 | $ 121,000 | $ 62,000 |
| Vance, North Carolina | 3 | $ 227,000 | $ 75,666 | $ 41,000 |
| Chester, Pennsylvania | 3 | $ 814,000 | $ 271,333 | $ 130,000 |
| Laurens, South Carolina | 3 | $ 358,000 | $ 119,333 | $ 54,000 |
| Oconee, South Carolina | 3 | $ 979,000 | $ 326,333 | $ 96,000 |
| Richland, South Carolina | 3 | $ 518,000 | $ 172,666 | $ 59,000 |
| Windsor, Vermont | 3 | $ 229,000 | $ 76,333 | $ 133,000 |
| Loudoun, Virginia | 3 | $ 740,000 | $ 246,666 | $ 86,000 |
| Macon, Alabama | 2 | $ 227,000 | $ 113,500 | $ 130,000 |
| Randolph, Alabama | 2 | $ 168,000 | $ 84,000 | $ 56,000 |
| Shelby, Alabama | 2 | $ 422,000 | $ 211,000 | $ 76,000 |
| Escambia, Florida | 2 | $ 400,000 | $ 200,000 | $ 220,000 |
| Hillsborough, Florida | 2 | $ 378,000 | $ 189,000 | $ 168,000 |
| Lee, Florida | 2 | $ 362,000 | $ 181,000 | $ 71,000 |
| Palm Beach, Florida | 2 | $ 599,000 | $ 299,500 | $ 217,000 |
| Sarasota, Florida | 2 | $ 413,000 | $ 206,500 | $ 61,000 |
| Seminole, Florida | 2 | $ 233,000 | $ 116,500 | $ 54,000 |
| Baldwin, Georgia | 2 | $ 1,055,000 | $ 527,500 | $ 120,000 |
| Camden, Georgia | 2 | $ 489,000 | $ 244,500 | $ 92,000 |
| Gwinnett, Georgia | 2 | $ 423,000 | $ 211,500 | $ 61,000 |
| Hall, Georgia | 2 | $ 758,000 | $ 379,000 | $ 238,000 |
| Haralson, Georgia | 2 | $ 306,000 | $ 153,000 | $ 71,000 |
| Henry, Georgia | 2 | $ 291,000 | $ 145,500 | $ 75,000 |
| Monroe, Georgia | 2 | $ 448,000 | $ 224,000 | $ 78,000 |
| Rockdale, Georgia | 2 | $ 305,000 | $ 152,500 | $ 95,000 |
| Franklin, Maine | 2 | $ 258,000 | $ 129,000 | $ 97,000 |
| Lincoln, Maine | 2 | $ 1,334,000 | $ 667,000 | $ 416,000 |
| Waldo, Maine | 2 | $ 626,000 | $ 313,000 | $ 100,000 |
| Franklin, Massachusetts | 2 | $ 203,000 | $ 101,500 | $ 52,000 |
| Coos, New Hampshire | 2 | $ 353,000 | $ 176,500 | $ 159,000 |
| Camden, New Jersey | 2 | $ 299,000 | $ 149,500 | $ 82,000 |
| Gloucester, New Jersey | 2 | $ 326,000 | $ 163,000 | $ 116,000 |
| Hudson, New Jersey | 2 | $ 326,000 | $ 163,000 | $ 51,000 |
| Cabarrus, North Carolina | 2 | $ 288,000 | $ 144,000 | $ 49,000 |
| Chatham, North Carolina | 2 | $ 258,000 | $ 129,000 | $ 37,000 |
| Chowan, North Carolina | 2 | $ 286,000 | $ 143,000 | $ 96,000 |
| Columbus, North Carolina | 2 | $ 239,000 | $ 119,500 | $ 94,000 |
| Forsyth, North Carolina | 2 | $ 288,000 | $ 144,000 | $ 15,000 |
| Iredell, North Carolina | 2 | $ 249,000 | $ 124,500 | $ 57,000 |
| Macon, North Carolina | 2 | $ 343,000 | $ 171,500 | $ 26,000 |
| New Hanover, North Carolina | 2 | $ 221,000 | $ 110,500 | $ 76,000 |
| Onslow, North Carolina | 2 | $ 261,000 | $ 130,500 | $ 58,000 |
| Orange, North Carolina | 2 | $ 596,000 | $ 298,000 | $ 88,000 |
| Rowan, North Carolina | 2 | $ 379,000 | $ 189,500 | $ 67,000 |
| Transylvania, North Carolina | 2 | $ 196,000 | $ 98,000 | $ 50,000 |
| Watauga, North Carolina | 2 | $ 441,000 | $ 220,500 | $ 54,000 |
| Philadelphia, Pennsylvania | 2 | $ 403,000 | $ 201,500 | $ 49,000 |
| York, Pennsylvania | 2 | $ 167,000 | $ 83,500 | $ 42,000 |
| Berkeley, South Carolina | 2 | $ 189,000 | $ 94,500 | $ 96,000 |
| Dorchester, South Carolina | 2 | $ 270,000 | $ 135,000 | $ 56,000 |
| Florence, South Carolina | 2 | $ 293,000 | $ 146,500 | $ 46,000 |
| Georgetown, South Carolina | 2 | $ 494,000 | $ 247,000 | $ 77,000 |
| Kershaw, South Carolina | 2 | $ 176,000 | $ 88,000 | $ 50,000 |
| Pickens, South Carolina | 2 | $ 293,000 | $ 146,500 | $ 16,000 |
| Addison, Vermont | 2 | $ 426,000 | $ 213,000 | $ 160,000 |
| Russell, Alabama | 1 | $ 99,000 | $ 99,000 | $ 37,000 |
| Talladega, Alabama | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Tallapoosa, Alabama | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 162,000 | $ 162,000 | $ 57,000 |
| New London, Connecticut | 1 | $ 238,000 | $ 238,000 | $ 115,000 |
| Alachua, Florida | 1 | $ 107,000 | $ 107,000 | $ 60,000 |
| Citrus, Florida | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Gilchrist, Florida | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Lake, Florida | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Martin, Florida | 1 | $ 192,000 | $ 192,000 | $ 133,000 |
| Okaloosa, Florida | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Orange, Florida | 1 | $ 106,000 | $ 106,000 | $ 137,000 |
| Pasco, Florida | 1 | $ 97,000 | $ 97,000 | $ 26,000 |
| Pinellas, Florida | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Sumter, Florida | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Brooks, Georgia | 1 | $ 73,000 | $ 73,000 | $ 65,000 |
| Butts, Georgia | 1 | $ 365,000 | $ 365,000 | $ 81,000 |
| Carroll, Georgia | 1 | $ 117,000 | $ 117,000 | $ 55,000 |
| Chatham, Georgia | 1 | $ 702,000 | $ 702,000 | $ 276,000 |
| Chattooga, Georgia | 1 | $ 134,000 | $ 134,000 | $ 45,000 |
| Cherokee, Georgia | 1 | $ 188,000 | $ 188,000 | $ 35,000 |
| Clayton, Georgia | 1 | $ 144,000 | $ 144,000 | $ 79,000 |
| Columbia, Georgia | 1 | $ 70,000 | $ 70,000 | $ 41,000 |
| Dawson, Georgia | 1 | $ 92,000 | $ 92,000 | $ 21,000 |
| Fayette, Georgia | 1 | $ 395,000 | $ 395,000 | $ 214,000 |
| Forsyth, Georgia | 1 | $ 174,000 | $ 174,000 | $ 56,000 |
| Glynn, Georgia | 1 | $ 80,000 | $ 80,000 | $ 76,000 |
| Hart, Georgia | 1 | $ 57,000 | $ 57,000 | $ 66,000 |
| Liberty, Georgia | 1 | $ 231,000 | $ 231,000 | $ 91,000 |
| Morgan, Georgia | 1 | $ 175,000 | $ 175,000 | $ 27,000 |
| Muscogee, Georgia | 1 | $ 80,000 | $ 80,000 | $ 51,000 |
| Oglethorpe, Georgia | 1 | $ 113,000 | $ 113,000 | $ 59,000 |
| Paulding, Georgia | 1 | $ 117,000 | $ 117,000 | $ 40,000 |
| Peach, Georgia | 1 | $ 89,000 | $ 89,000 | $ 34,000 |
| Polk, Georgia | 1 | $ 126,000 | $ 126,000 | $ 83,000 |
| Richmond, Georgia | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Stephens, Georgia | 1 | $ 124,000 | $ 124,000 | $ 44,000 |
| Union, Georgia | 1 | $ 120,000 | $ 120,000 | $ 202,000 |
| Upson, Georgia | 1 | $ 124,000 | $ 124,000 | $ 84,000 |
| Washington, Georgia | 1 | $ 142,000 | $ 142,000 | $ 73,000 |
| Penobscot, Maine | 1 | $ 88,000 | $ 88,000 | $ 26,000 |
| Baltimore City, Maryland | 1 | $ 216,000 | $ 216,000 | $ 187,000 |
| Howard, Maryland | 1 | $ 117,000 | $ 117,000 | $ 61,000 |
| Prince George's, Maryland | 1 | $ 247,000 | $ 247,000 | $ 122,000 |
| Salem, New Jersey | 1 | $ 174,000 | $ 174,000 | $ 81,000 |
| Alamance, North Carolina | 1 | $ 144,000 | $ 144,000 | $ 40,000 |
| Ashe, North Carolina | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Caldwell, North Carolina | 1 | $ 244,000 | $ 244,000 | $ 112,000 |
| Camden, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 50,000 |
| Caswell, North Carolina | 1 | $ 113,000 | $ 113,000 | $ 58,000 |
| Craven, North Carolina | 1 | $ 117,000 | $ 117,000 | $ 50,000 |
| Dare, North Carolina | 1 | $ 118,000 | $ 118,000 | $ 27,000 |
| Franklin, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Halifax, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Harnett, North Carolina | 1 | $ 87,000 | $ 87,000 | $ 57,000 |
| Haywood, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Henderson, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Hertford, North Carolina | 1 | $ 113,000 | $ 113,000 | $ 74,000 |
| Hoke, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Jackson, North Carolina | 1 | $ 257,000 | $ 257,000 | $ 589,000 |
| Lenoir, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 60,000 |
| Lincoln, North Carolina | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Pitt, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 82,000 |
| Scotland, North Carolina | 1 | $ 113,000 | $ 113,000 | $ 46,000 |
| Surry, North Carolina | 1 | $ 177,000 | $ 177,000 | $ 108,000 |
| Swain, North Carolina | 1 | $ 134,000 | $ 134,000 | $ 24,000 |
| Warren, North Carolina | 1 | $ 109,000 | $ 109,000 | $ 52,000 |
| Wayne, North Carolina | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Wilkes, North Carolina | 1 | $ 83,000 | $ 83,000 | $ 44,000 |
| Wilson, North Carolina | 1 | $ 114,000 | $ 114,000 | $ 46,000 |
| Yadkin, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Berks, Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 55,000 |
| Lehigh, Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 96,000 |
| Northampton, Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 55,000 |
| Newport, Rhode Island | 1 | $ 448,000 | $ 448,000 | $ 112,000 |
| Providence, Rhode Island | 1 | $ 250,000 | $ 250,000 | $ 90,000 |
| Washington, Rhode Island | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Cherokee, South Carolina | 1 | $ 61,000 | $ 61,000 | $ 31,000 |
| Chester, South Carolina | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Darlington, South Carolina | 1 | $ 163,000 | $ 163,000 | $ 64,000 |
| Edgefield, South Carolina | 1 | $ 132,000 | $ 132,000 | $ 54,000 |
| Jasper, South Carolina | 1 | $ 109,000 | $ 109,000 | $ 69,000 |
| Newberry, South Carolina | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Orangeburg, South Carolina | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Williamson, Tennessee | 1 | $ 138,000 | $ 138,000 | $ 48,000 |
| Bennington, Vermont | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Caledonia, Vermont | 1 | $ 85,000 | $ 85,000 | $ 169,000 |
| Franklin, Vermont | 1 | $ 142,000 | $ 142,000 | $ 48,000 |
| Orange, Vermont | 1 | $ 255,000 | $ 255,000 | $ 204,000 |
| Albemarle, Virginia | 1 | $ 323,000 | $ 323,000 | $ 53,000 |
| Fluvanna, Virginia | 1 | $ 111,000 | $ 111,000 | $ 164,000 |
| Halifax, Virginia | 1 | $ 143,000 | $ 143,000 | $ 91,000 |
| Westmoreland, Virginia | 1 | $ 292,000 | $ 292,000 | $ 315,000 |
Mortgage Loan Application Detail Totals for Fnb of Nassau County in 2003
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 (home purchase or home improvement, one-to-four family) | 2,318 | $486,298,000 | $206,750 | $1,950,000 | $93,250 | $1,500,000 |
| Home Purchase (one-to-four family) | 1,287 | $268,761,000 | $220,066 | $1,000,000 | $102,866 | $944,000 |
| Home Improvement (one-to-four family) | 15 | $483,000 | $32,000 | $150,000 | $36,000 | $123,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,271 | $684,717,000 | $209,375 | $1,950,000 | $96,000 | $1,500,000 |
| Information not provided by applicant in mail or telephone application | 182 | $38,672,000 | $222,615 | $824,000 | $92,923 | $678,000 |
| Black | 72 | $12,168,000 | $193,000 | $880,000 | $81,272 | $207,000 |
| Hispanic | 41 | $7,552,000 | $184,222 | $500,000 | $81,444 | $394,000 |
| Asian or Pacific Islander | 36 | $7,643,000 | $215,888 | $575,000 | $105,777 | $528,000 |
| Other | 11 | $2,859,000 | $272,166 | $436,000 | $156,666 | $499,000 |
| Not applicable | 6 | $1,421,000 | $236,000 | $452,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $510,000 | $510,000 | $510,000 | $154,000 | $154,000 |
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) | 3,608 | $753,514,000 | $208,312 | $1,950,000 | $94,625 | $1,500,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,028,000 | $174,666 | $240,000 | $67,666 | $160,000 |
| 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 |
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 | 2,863 | $605,308,000 | $215,187 | $1,000,000 | $98,812 | $1,296,000 |
| Application Approved But Not Accepted | 455 | $89,113,000 | $184,357 | $1,950,000 | $97,357 | $1,500,000 |
| Application Denied By Financial Institution | 267 | $53,744,000 | $193,428 | $824,000 | $91,214 | $678,000 |
| Application Withdrawn By Applicant | 32 | $6,142,000 | $156,833 | $825,000 | $65,500 | $941,000 |
| File Closed For Incompleteness | 2 | $235,000 | $117,500 | $131,000 | $31,000 | $62,000 |
| Loan Purchased By The Institution | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $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 | 116 | $24,060,000 | $234,666 | $770,000 | $90,416 | $678,000 |
| Other | 47 | $9,945,000 | $185,181 | $760,000 | $68,727 | $375,000 |
| Debt-To-Income Ratio | 40 | $9,132,000 | $244,666 | $824,000 | $104,555 | $359,000 |
| Collateral | 37 | $6,247,000 | $174,636 | $563,000 | $94,090 | $276,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,983,000 | $137,800 | $200,000 | $61,800 | $120,000 |
| Unverifiable Information | 10 | $2,192,000 | $217,000 | $500,000 | $67,600 | $300,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $62,000 | $62,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fnb of Nassau County's 2003 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 Fnb of Nassau County'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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