Fnb of Nassau County Mortgage Lending & HMDA Data, 2004
In 2004, Fnb of Nassau County of Fernandina Beach, FL reported 532 mortgage applications totaling $113.1 million, down 85% from 2003. The average application was for $212,563, and applicants reported an average income of $102,704. 96% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Jacksonville, FL (90), Rockingham County-Strafford County, NH (72) and Portland-South Portland-Biddeford, ME (59) (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 | 532 |
| Total Mortgage Loan Application Amount | $113,084,000 |
| Average Mortgage Loan Application Amount | $212,563 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $102,704 |
| Highest Applicant Income | $832,000 |
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Act (HMDA) records Fnb of Nassau County filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Nassau, Florida | 55 | $ 7,820,000 | $ 142,181 | $ 73,000 |
| Rockingham, New Hampshire | 54 | $ 10,971,000 | $ 203,166 | $ 79,000 |
| Cumberland, Maine | 47 | $ 10,113,000 | $ 215,170 | $ 93,000 |
| Hillsborough, New Hampshire | 27 | $ 5,335,000 | $ 197,592 | $ 87,000 |
| Monmouth, New Jersey | 27 | $ 6,611,000 | $ 244,851 | $ 119,000 |
| Middlesex, Massachusetts | 23 | $ 8,401,000 | $ 365,260 | $ 155,000 |
| Plymouth, Massachusetts | 21 | $ 5,951,000 | $ 283,380 | $ 105,000 |
| Strafford, New Hampshire | 18 | $ 3,041,000 | $ 168,944 | $ 77,000 |
| Duval, Florida | 17 | $ 3,220,000 | $ 189,411 | $ 61,000 |
| St. Johns, Florida | 17 | $ 2,887,000 | $ 169,823 | $ 74,000 |
| Norfolk, Massachusetts | 17 | $ 5,648,000 | $ 332,235 | $ 152,000 |
| Beaufort, South Carolina | 16 | $ 4,763,000 | $ 297,687 | $ 128,000 |
| Hampden, Massachusetts | 14 | $ 1,783,000 | $ 127,357 | $ 61,000 |
| Essex, Massachusetts | 13 | $ 3,268,000 | $ 251,384 | $ 113,000 |
| Merrimack, New Hampshire | 13 | $ 2,166,000 | $ 166,615 | $ 61,000 |
| York, Maine | 10 | $ 2,543,000 | $ 254,300 | $ 125,000 |
| Suffolk, Massachusetts | 10 | $ 3,326,000 | $ 332,600 | $ 108,000 |
| Ocean, New Jersey | 9 | $ 1,496,000 | $ 166,222 | $ 61,000 |
| Grafton, New Hampshire | 8 | $ 1,469,000 | $ 183,625 | $ 97,000 |
| Wake, North Carolina | 8 | $ 1,439,000 | $ 179,875 | $ 67,000 |
| Chatham, Georgia | 7 | $ 1,287,000 | $ 183,857 | $ 61,000 |
| Fairfield, Connecticut | 6 | $ 1,296,000 | $ 216,000 | $ 91,000 |
| Putnam, Georgia | 5 | $ 806,000 | $ 161,200 | $ 93,000 |
| Barnstable, Massachusetts | 5 | $ 941,000 | $ 188,200 | $ 99,000 |
| Sullivan, New Hampshire | 5 | $ 845,000 | $ 169,000 | $ 125,000 |
| Bucks, Pennsylvania | 5 | $ 717,000 | $ 143,400 | $ 66,000 |
| Bristol, Massachusetts | 4 | $ 1,361,000 | $ 340,250 | $ 125,000 |
| Hampshire, Massachusetts | 4 | $ 654,000 | $ 163,500 | $ 65,000 |
| Hunterdon, New Jersey | 4 | $ 854,000 | $ 213,500 | $ 127,000 |
| Belknap, New Hampshire | 3 | $ 407,000 | $ 135,666 | $ 51,000 |
| Forsyth, North Carolina | 3 | $ 350,000 | $ 116,666 | $ 57,000 |
| Mecklenburg, North Carolina | 3 | $ 512,000 | $ 170,666 | $ 115,000 |
| Montgomery, Pennsylvania | 3 | $ 574,000 | $ 191,333 | $ 55,000 |
| Windham, Vermont | 3 | $ 295,000 | $ 98,333 | $ 38,000 |
| Jefferson, Alabama | 2 | $ 178,000 | $ 89,000 | $ 33,000 |
| Orange, Florida | 2 | $ 420,000 | $ 210,000 | $ 135,000 |
| Palm Beach, Florida | 2 | $ 655,000 | $ 327,500 | $ 174,000 |
| Sagadahoc, Maine | 2 | $ 232,000 | $ 116,000 | $ 43,000 |
| Cheshire, New Hampshire | 2 | $ 508,000 | $ 254,000 | $ 103,000 |
| Union, New Jersey | 2 | $ 350,000 | $ 175,000 | $ 18,000 |
| Guilford, North Carolina | 2 | $ 260,000 | $ 130,000 | $ 47,000 |
| Orange, North Carolina | 2 | $ 228,000 | $ 114,000 | $ 44,000 |
| Chambers, Alabama | 1 | $ 58,000 | $ 58,000 | $ 21,000 |
| Shelby, Alabama | 1 | $ 107,000 | $ 107,000 | $ 0 |
| St. Clair, Alabama | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Charlotte, Florida | 1 | $ 127,000 | $ 127,000 | $ 463,000 |
| Clay, Florida | 1 | $ 182,000 | $ 182,000 | $ 48,000 |
| Flagler, Florida | 1 | $ 166,000 | $ 166,000 | $ 123,000 |
| Okaloosa, Florida | 1 | $ 152,000 | $ 152,000 | $ 89,000 |
| Putnam, Florida | 1 | $ 78,000 | $ 78,000 | $ 29,000 |
| Walton, Florida | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Baldwin, Georgia | 1 | $ 185,000 | $ 185,000 | $ 146,000 |
| Walton, Georgia | 1 | $ 11,000 | $ 11,000 | $ 38,000 |
| Androscoggin, Maine | 1 | $ 126,000 | $ 126,000 | $ 124,000 |
| Lincoln, Maine | 1 | $ 1,000,000 | $ 1,000,000 | $ 832,000 |
| Waldo, Maine | 1 | $ 158,000 | $ 158,000 | $ 114,000 |
| Worcester, Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 45,000 |
| Burlington, New Jersey | 1 | $ 108,000 | $ 108,000 | $ 45,000 |
| Mercer, New Jersey | 1 | $ 236,000 | $ 236,000 | $ 171,000 |
| Morris, New Jersey | 1 | $ 308,000 | $ 308,000 | $ 132,000 |
| Chatham, North Carolina | 1 | $ 484,000 | $ 484,000 | $ 120,000 |
| Durham, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 418,000 |
| Hertford, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 25,000 |
| New Hanover, North Carolina | 1 | $ 543,000 | $ 543,000 | $ 124,000 |
| Stokes, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 45,000 |
| Wayne, North Carolina | 1 | $ 97,000 | $ 97,000 | $ 73,000 |
| Monroe, Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Philadelphia, Pennsylvania | 1 | $ 186,000 | $ 186,000 | $ 72,000 |
| Chittenden, Vermont | 1 | $ 141,000 | $ 141,000 | $ 83,000 |
| Rutland, Vermont | 1 | $ 432,000 | $ 432,000 | $ 741,000 |
| Windsor, Vermont | 1 | $ 590,000 | $ 590,000 | $ 258,000 |
| Arlington, Virginia | 1 | $ 196,000 | $ 196,000 | $ 68,000 |
| Prince William, Virginia | 1 | $ 223,000 | $ 223,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Fnb of Nassau County in 2004
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 | 320 | $70,847,000 | $199,846 | $1,000,000 | $106,846 | $832,000 |
| Home Purchase | 206 | $41,856,000 | $193,333 | $938,000 | $92,750 | $665,000 |
| Home Improvement | 6 | $381,000 | $128,000 | $225,000 | $49,000 | $75,000 |
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 | 512 | $108,874,000 | $200,769 | $1,000,000 | $102,307 | $832,000 |
| Black or African American | 6 | $685,000 | $130,200 | $225,000 | $47,200 | $222,000 |
| Hispanic | 4 | $876,000 | $201,000 | $390,000 | $98,000 | $142,000 |
| Not applicable | 4 | $1,530,000 | $455,000 | $600,000 | $0 | $0 |
| Not Provided | 3 | $675,000 | $202,000 | $333,000 | $68,500 | $106,000 |
| Asian | 2 | $432,000 | $216,000 | $290,000 | $132,500 | $205,000 |
| American Indian or Alaskan Native | 1 | $12,000 | $12,000 | $12,000 | $24,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 532 | $113,084,000 | $202,692 | $1,000,000 | $100,769 | $832,000 |
| 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 |
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 | 511 | $107,632,000 | $196,307 | $1,000,000 | $104,076 | $832,000 |
| Application Denied By Financial Institution | 20 | $5,423,000 | $288,555 | $960,000 | $102,333 | $294,000 |
| Application Withdrawn By Applicant | 1 | $29,000 | $29,000 | $29,000 | $75,000 | $75,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $1,648,000 | $245,833 | $417,000 | $90,833 | $153,000 |
| Debt-To-Income Ratio | 7 | $1,411,000 | $212,200 | $380,000 | $73,400 | $140,000 |
| Collateral | 2 | $770,000 | $385,000 | $590,000 | $129,000 | $258,000 |
| Other | 2 | $1,255,000 | $627,500 | $960,000 | $181,000 | $294,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $139,000 | $139,000 | $139,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 1 | $200,000 | $200,000 | $200,000 | $86,000 | $86,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fnb of Nassau County's 2004 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.
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