Fnb Of Nassau County
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Fnb Of Nassau County 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $191,629 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $96,296 |
| Highest Applicant Income | $832,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Fnb Of Nassau County. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Fnb Of Nassau County's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Fnb Of Nassau County's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Fnb Of Nassau County serves its applicants.
Each category highlights the total number of mortgage applications processed by Fnb Of Nassau County, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Fnb Of Nassau County's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County Florida | 55 | $ 7,820,000 | $ 142,000 | $ 73,000 |
| Rockingham County New Hampshire | 54 | $ 10,971,000 | $ 203,000 | $ 79,000 |
| Cumberland County Maine | 47 | $ 10,113,000 | $ 215,000 | $ 93,000 |
| Hillsborough County New Hampshire | 27 | $ 5,335,000 | $ 197,000 | $ 87,000 |
| Monmouth County New Jersey | 27 | $ 6,611,000 | $ 244,000 | $ 119,000 |
| Middlesex County Massachusetts | 23 | $ 8,401,000 | $ 365,000 | $ 155,000 |
| Plymouth County Massachusetts | 21 | $ 5,951,000 | $ 283,000 | $ 105,000 |
| Strafford County New Hampshire | 18 | $ 3,041,000 | $ 168,000 | $ 77,000 |
| Duval County Florida | 17 | $ 3,220,000 | $ 189,000 | $ 61,000 |
| St. Johns County Florida | 17 | $ 2,887,000 | $ 169,000 | $ 74,000 |
| Norfolk County Massachusetts | 17 | $ 5,648,000 | $ 332,000 | $ 152,000 |
| Beaufort County South Carolina | 16 | $ 4,763,000 | $ 297,000 | $ 128,000 |
| Hampden County Massachusetts | 14 | $ 1,783,000 | $ 127,000 | $ 61,000 |
| Essex County Massachusetts | 13 | $ 3,268,000 | $ 251,000 | $ 113,000 |
| Merrimack County New Hampshire | 13 | $ 2,166,000 | $ 166,000 | $ 61,000 |
| York County Maine | 10 | $ 2,543,000 | $ 254,000 | $ 125,000 |
| Suffolk County Massachusetts | 10 | $ 3,326,000 | $ 332,000 | $ 108,000 |
| Ocean County New Jersey | 9 | $ 1,496,000 | $ 166,000 | $ 61,000 |
| Grafton County New Hampshire | 8 | $ 1,469,000 | $ 183,000 | $ 97,000 |
| Wake County North Carolina | 8 | $ 1,439,000 | $ 179,000 | $ 67,000 |
| Chatham County Georgia | 7 | $ 1,287,000 | $ 183,000 | $ 61,000 |
| Fairfield County Connecticut | 6 | $ 1,296,000 | $ 216,000 | $ 91,000 |
| Putnam County Georgia | 5 | $ 806,000 | $ 161,000 | $ 93,000 |
| Barnstable County Massachusetts | 5 | $ 941,000 | $ 188,000 | $ 99,000 |
| Sullivan County New Hampshire | 5 | $ 845,000 | $ 169,000 | $ 125,000 |
| Bucks County Pennsylvania | 5 | $ 717,000 | $ 143,000 | $ 66,000 |
| Bristol County Massachusetts | 4 | $ 1,361,000 | $ 340,000 | $ 125,000 |
| Hampshire County Massachusetts | 4 | $ 654,000 | $ 163,000 | $ 65,000 |
| Hunterdon County New Jersey | 4 | $ 854,000 | $ 213,000 | $ 127,000 |
| Belknap County New Hampshire | 3 | $ 407,000 | $ 135,000 | $ 51,000 |
| Forsyth County North Carolina | 3 | $ 350,000 | $ 116,000 | $ 57,000 |
| Mecklenburg County North Carolina | 3 | $ 512,000 | $ 170,000 | $ 115,000 |
| Montgomery County Pennsylvania | 3 | $ 574,000 | $ 191,000 | $ 55,000 |
| Windham County Vermont | 3 | $ 295,000 | $ 98,000 | $ 38,000 |
| Jefferson County Alabama | 2 | $ 178,000 | $ 89,000 | $ 33,000 |
| Orange County Florida | 2 | $ 420,000 | $ 210,000 | $ 135,000 |
| Palm Beach County Florida | 2 | $ 655,000 | $ 327,000 | $ 174,000 |
| Sagadahoc County Maine | 2 | $ 232,000 | $ 116,000 | $ 43,000 |
| Cheshire County New Hampshire | 2 | $ 508,000 | $ 254,000 | $ 103,000 |
| Union County New Jersey | 2 | $ 350,000 | $ 175,000 | $ 18,000 |
| Guilford County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 47,000 |
| Orange County North Carolina | 2 | $ 228,000 | $ 114,000 | $ 44,000 |
| Chambers County Alabama | 1 | $ 58,000 | $ 58,000 | $ 21,000 |
| Shelby County Alabama | 1 | $ 107,000 | $ 107,000 | $ 0 |
| St. Clair County Alabama | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Charlotte County Florida | 1 | $ 127,000 | $ 127,000 | $ 463,000 |
| Clay County Florida | 1 | $ 182,000 | $ 182,000 | $ 48,000 |
| Flagler County Florida | 1 | $ 166,000 | $ 166,000 | $ 123,000 |
| Okaloosa County Florida | 1 | $ 152,000 | $ 152,000 | $ 89,000 |
| Putnam County Florida | 1 | $ 78,000 | $ 78,000 | $ 29,000 |
| Walton County Florida | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Baldwin County Georgia | 1 | $ 185,000 | $ 185,000 | $ 146,000 |
| Walton County Georgia | 1 | $ 11,000 | $ 11,000 | $ 38,000 |
| Androscoggin County Maine | 1 | $ 126,000 | $ 126,000 | $ 124,000 |
| Lincoln County Maine | 1 | $ 1,000,000 | $ 1,000,000 | $ 832,000 |
| Waldo County Maine | 1 | $ 158,000 | $ 158,000 | $ 114,000 |
| Worcester County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 45,000 |
| Burlington County New Jersey | 1 | $ 108,000 | $ 108,000 | $ 45,000 |
| Mercer County New Jersey | 1 | $ 236,000 | $ 236,000 | $ 171,000 |
| Morris County New Jersey | 1 | $ 308,000 | $ 308,000 | $ 132,000 |
| Chatham County North Carolina | 1 | $ 484,000 | $ 484,000 | $ 120,000 |
| Durham County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 418,000 |
| Hertford County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 25,000 |
| New Hanover County North Carolina | 1 | $ 543,000 | $ 543,000 | $ 124,000 |
| Stokes County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 45,000 |
| Wayne County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 73,000 |
| Monroe County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Philadelphia County Pennsylvania | 1 | $ 186,000 | $ 186,000 | $ 72,000 |
| Chittenden County Vermont | 1 | $ 141,000 | $ 141,000 | $ 83,000 |
| Rutland County Vermont | 1 | $ 432,000 | $ 432,000 | $ 741,000 |
| Windsor County Vermont | 1 | $ 590,000 | $ 590,000 | $ 258,000 |
| Arlington County Virginia | 1 | $ 196,000 | $ 196,000 | $ 68,000 |
| Prince William County 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.