Fnb Of Nassau County
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Fnb Of Nassau County 2007 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 | 346 |
| Total Mortgage Loan Application Amount | $76,398,000 |
| Average Mortgage Loan Application Amount | $262,000 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $87,666 |
| Highest Applicant Income | $1,040,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 46 | $ 13,407,000 | $ 291,000 | $ 110,000 |
| Cherokee County Georgia | 39 | $ 7,176,000 | $ 184,000 | $ 100,000 |
| Fulton County Georgia | 34 | $ 7,263,000 | $ 213,000 | $ 129,000 |
| Forsyth County Georgia | 29 | $ 6,945,000 | $ 239,000 | $ 92,000 |
| Gwinnett County Georgia | 29 | $ 5,474,000 | $ 188,000 | $ 82,000 |
| DeKalb County Georgia | 25 | $ 5,195,000 | $ 207,000 | $ 109,000 |
| Cobb County Georgia | 22 | $ 4,265,000 | $ 193,000 | $ 78,000 |
| Coweta County Georgia | 7 | $ 1,438,000 | $ 205,000 | $ 75,000 |
| Newton County Georgia | 7 | $ 1,110,000 | $ 158,000 | $ 78,000 |
| Chatham County Georgia | 6 | $ 1,972,000 | $ 328,000 | $ 76,000 |
| Paulding County Georgia | 6 | $ 1,020,000 | $ 170,000 | $ 78,000 |
| Fayette County Georgia | 5 | $ 1,334,000 | $ 266,000 | $ 116,000 |
| Hall County Georgia | 4 | $ 1,059,000 | $ 264,000 | $ 124,000 |
| Barrow County Georgia | 3 | $ 539,000 | $ 179,000 | $ 71,000 |
| Clayton County Georgia | 3 | $ 360,000 | $ 120,000 | $ 126,000 |
| Dawson County Georgia | 3 | $ 454,000 | $ 151,000 | $ 38,000 |
| Douglas County Georgia | 3 | $ 341,000 | $ 113,000 | $ 59,000 |
| Lumpkin County Georgia | 3 | $ 733,000 | $ 244,000 | $ 67,000 |
| Pickens County Georgia | 3 | $ 590,000 | $ 196,000 | $ 104,000 |
| Polk County Georgia | 3 | $ 242,000 | $ 80,000 | $ 128,000 |
| Morris County New Jersey | 3 | $ 850,000 | $ 283,000 | $ 232,000 |
| Mecklenburg County North Carolina | 3 | $ 370,000 | $ 123,000 | $ 95,000 |
| Mobile County Alabama | 2 | $ 222,000 | $ 111,000 | $ 29,000 |
| Duval County Florida | 2 | $ 807,000 | $ 403,000 | $ 506,000 |
| Baldwin County Georgia | 2 | $ 410,000 | $ 205,000 | $ 125,000 |
| Bartow County Georgia | 2 | $ 574,000 | $ 287,000 | $ 64,000 |
| Carroll County Georgia | 2 | $ 168,000 | $ 84,000 | $ 44,000 |
| Coffee County Georgia | 2 | $ 400,000 | $ 200,000 | $ 351,000 |
| Gilmer County Georgia | 2 | $ 665,000 | $ 332,000 | $ 292,000 |
| Rockdale County Georgia | 2 | $ 563,000 | $ 281,000 | $ 63,000 |
| Thomas County Georgia | 2 | $ 143,000 | $ 71,000 | $ 47,000 |
| Union County North Carolina | 2 | $ 1,325,000 | $ 662,000 | $ 98,000 |
| Charleston County South Carolina | 2 | $ 981,000 | $ 490,000 | $ 308,000 |
| Winston County Alabama | 1 | $ 110,000 | $ 110,000 | $ 30,000 |
| Brevard County Florida | 1 | $ 127,000 | $ 127,000 | $ 56,000 |
| Flagler County Florida | 1 | $ 171,000 | $ 171,000 | $ 53,000 |
| Hillsborough County Florida | 1 | $ 158,000 | $ 158,000 | $ 168,000 |
| Lee County Florida | 1 | $ 280,000 | $ 280,000 | $ 157,000 |
| Orange County Florida | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Pinellas County Florida | 1 | $ 414,000 | $ 414,000 | $ 256,000 |
| Volusia County Florida | 1 | $ 325,000 | $ 325,000 | $ 108,000 |
| Banks County Georgia | 1 | $ 216,000 | $ 216,000 | $ 65,000 |
| Butts County Georgia | 1 | $ 106,000 | $ 106,000 | $ 103,000 |
| Camden County Georgia | 1 | $ 114,000 | $ 114,000 | $ 44,000 |
| Columbia County Georgia | 1 | $ 113,000 | $ 113,000 | $ 49,000 |
| Effingham County Georgia | 1 | $ 198,000 | $ 198,000 | $ 67,000 |
| Glynn County Georgia | 1 | $ 417,000 | $ 417,000 | $ 739,000 |
| Grady County Georgia | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Greene County Georgia | 1 | $ 344,000 | $ 344,000 | $ 255,000 |
| Henry County Georgia | 1 | $ 312,000 | $ 312,000 | $ 112,000 |
| Jackson County Georgia | 1 | $ 272,000 | $ 272,000 | $ 43,000 |
| Mitchell County Georgia | 1 | $ 75,000 | $ 75,000 | $ 11,000 |
| Oconee County Georgia | 1 | $ 113,000 | $ 113,000 | $ 106,000 |
| Pike County Georgia | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Rabun County Georgia | 1 | $ 252,000 | $ 252,000 | $ 118,000 |
| Spalding County Georgia | 1 | $ 133,000 | $ 133,000 | $ 158,000 |
| Union County Georgia | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| Scott County Kentucky | 1 | $ 321,000 | $ 321,000 | $ 143,000 |
| Lafayette County Mississippi | 1 | $ 301,000 | $ 301,000 | $ 216,000 |
| Brunswick County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 107,000 |
| Buncombe County North Carolina | 1 | $ 262,000 | $ 262,000 | $ 94,000 |
| Cabarrus County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 47,000 |
| Dare County North Carolina | 1 | $ 206,000 | $ 206,000 | $ 234,000 |
| Davidson County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 51,000 |
| Iredell County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 276,000 |
| Pitt County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 71,000 |
| Rowan County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Spartanburg County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Davidson County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Hamilton County Tennessee | 1 | $ 123,000 | $ 123,000 | $ 37,000 |
| Loudoun County Virginia | 1 | $ 406,000 | $ 406,000 | $ 174,000 |
Mortgage Loan Application Detail Totals for Fnb Of Nassau County in 2007
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 | 174 | $39,714,000 | $228,000 | $700,000 | $110,000 | $1,040,000 |
| Refinancing | 166 | $34,581,000 | $208,000 | $1,200,000 | $106,000 | $739,000 |
| Home Improvement | 6 | $2,103,000 | $350,000 | $1,350,000 | $47,000 | $124,000 |
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 | 277 | $61,832,000 | $223,000 | $1,200,000 | $112,000 | $1,040,000 |
| Black or African American | 32 | $6,269,000 | $195,000 | $475,000 | $91,000 | $430,000 |
| Not Provided | 15 | $3,226,000 | $215,000 | $417,000 | $115,000 | $423,000 |
| Hispanic | 11 | $1,978,000 | $179,000 | $376,000 | $53,000 | $99,000 |
| Asian | 6 | $1,156,000 | $192,000 | $363,000 | $115,000 | $197,000 |
| American Indian or Alaskan Native | 2 | $201,000 | $100,000 | $106,000 | $103,000 | $103,000 |
| Not applicable | 2 | $1,586,000 | $793,000 | $1,350,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $150,000 | $150,000 | $150,000 | $39,000 | $39,000 |
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) | 346 | $76,398,000 | $220,000 | $1,350,000 | $107,000 | $1,040,000 |
| 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 | 311 | $67,681,000 | $217,000 | $1,350,000 | $109,000 | $1,040,000 |
| Application Denied By Financial Institution | 27 | $6,160,000 | $228,000 | $1,200,000 | $86,000 | $430,000 |
| Application Withdrawn By Applicant | 8 | $2,557,000 | $319,000 | $636,000 | $121,000 | $510,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 8 | $1,379,000 | $172,000 | $490,000 | $81,000 | $176,000 |
| Credit History | 6 | $1,268,000 | $211,000 | $580,000 | $75,000 | $194,000 |
| Debt-To-Income Ratio | 5 | $1,600,000 | $320,000 | $1,200,000 | $49,000 | $164,000 |
| Collateral | 4 | $896,000 | $224,000 | $350,000 | $75,000 | $151,000 |
| Unverifiable Information | 3 | $755,000 | $251,000 | $475,000 | $198,000 | $430,000 |
| Employment History | 1 | $262,000 | $262,000 | $262,000 | $94,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fnb Of Nassau County's 2007 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.