Jacksonville Postal&Prof Cr Un Mortgage Lending & HMDA Data, 2003
In 2003, Jacksonville Postal&Prof Cr Un of Jacksonville, FL reported 36 mortgage applications totaling $4.1 million. The average application was for $113,694, and applicants reported an average income of $69,472. 92% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Jacksonville, FL (27), Daytona Beach, FL (6) and Cincinnati, OH-KY-IN (1) (applications in parentheses).
| Mortgage Company & Address | Jacksonville Postal&Prof Cr Un 1820 Rogero Road Jacksonville, FL 32211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 36 |
| Total Mortgage Loan Application Amount | $4,093,000 |
| Average Mortgage Loan Application Amount | $113,694 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $69,472 |
| Highest Applicant Income | $127,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Jacksonville Postal&Prof Cr Un filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Duval, Florida | 22 | $ 2,173,000 | $ 98,772 | $ 71,000 |
| Volusia, Florida | 6 | $ 493,000 | $ 82,166 | $ 73,000 |
| St. Johns, Florida | 4 | $ 679,000 | $ 169,750 | $ 67,000 |
| Nassau, Florida | 1 | $ 250,000 | $ 250,000 | $ 86,000 |
| Pinellas, Florida | 1 | $ 97,000 | $ 97,000 | $ 51,000 |
| Warren, Ohio | 1 | $ 151,000 | $ 151,000 | $ 67,000 |
| Humphreys, Tennessee | 1 | $ 250,000 | $ 250,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Jacksonville Postal&Prof Cr Un 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) | 31 | $3,614,000 | $170,333 | $475,000 | $81,666 | $121,000 |
| Home Purchase (one-to-four family) | 5 | $479,000 | $95,000 | $156,000 | $76,000 | $127,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 32 | $3,881,000 | $172,333 | $475,000 | $84,000 | $127,000 |
| Black | 3 | $162,000 | $54,000 | $84,000 | $54,000 | $73,000 |
| Asian or Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $52,000 | $52,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 36 | $4,093,000 | $169,666 | $475,000 | $82,666 | $127,000 |
| 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 | 33 | $3,695,000 | $169,000 | $475,000 | $82,333 | $127,000 |
| Application Withdrawn By Applicant | 2 | $148,000 | $74,000 | $98,000 | $63,000 | $93,000 |
| Application Denied By Financial Institution | 1 | $250,000 | $250,000 | $250,000 | $86,000 | $86,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $250,000 | $250,000 | $250,000 | $86,000 | $86,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jacksonville Postal&Prof Cr Un'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 Jacksonville Postal&Prof Cr Un'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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