First National Bank of Nevada Mortgage Lending & HMDA Data, 2005
In 2005, First National Bank of Nevada of Scottsdale, AZ reported 1,690 mortgage applications totaling $373.5 million, down 7% from 2004. The average application was for $220,991, and applicants reported an average income of $84,557. 75% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Reno-Sparks, NV (835), Las Vegas-Paradise, NV (324) and Carson City, NV (76) (applications in parentheses).
| Mortgage Company & Address | First National Bank of Nevada 17600 North Perimeter Drive Scottsdale, AZ 85255 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,690 |
| Total Mortgage Loan Application Amount | $373,475,000 |
| Average Mortgage Loan Application Amount | $220,991 |
| Highest Mortgage Loan Application Amount | $2,714,000 |
| Average Applicant Income | $84,557 |
| Highest Applicant Income | $2,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Nevada filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Reno-Sparks, NV | 835 | $ 184,616,000 | $ 221,097 | $ 77,000 |
| Las Vegas-Paradise, NV | 324 | $ 91,646,000 | $ 282,858 | $ 134,000 |
| Carson City, NV | 76 | $ 16,042,000 | $ 211,078 | $ 55,000 |
| Phoenix-Mesa-Scottsdale, AZ | 29 | $ 6,912,000 | $ 238,344 | $ 112,000 |
| Albuquerque, NM | 15 | $ 2,801,000 | $ 186,733 | $ 71,000 |
| Boise City-Nampa, ID | 6 | $ 710,000 | $ 118,333 | $ 103,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 1,059,000 | $ 211,800 | $ 57,000 |
| College Station-Bryan, TX | 4 | $ 190,000 | $ 47,500 | $ 100,000 |
| Glens Falls, NY | 4 | $ 672,000 | $ 168,000 | $ 166,000 |
| Boulder, CO | 3 | $ 461,000 | $ 153,666 | $ 109,000 |
| Tucson, AZ | 3 | $ 427,000 | $ 142,333 | $ 90,000 |
| Battle Creek, MI | 2 | $ 126,000 | $ 63,000 | $ 30,000 |
| Honolulu, HI | 2 | $ 303,000 | $ 151,500 | $ 72,000 |
| Santa Fe, NM | 2 | $ 827,000 | $ 413,500 | $ 160,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 501,000 | $ 250,500 | $ 94,000 |
| Visalia-Porterville, CA | 2 | $ 180,000 | $ 90,000 | $ 102,000 |
| Bakersfield, CA | 1 | $ 180,000 | $ 180,000 | $ 102,000 |
| Charleston-North Charleston, SC | 1 | $ 207,000 | $ 207,000 | $ 120,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 94,000 | $ 94,000 | $ 65,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 59,000 | $ 59,000 | $ 30,000 |
| Elizabethtown, KY | 1 | $ 368,000 | $ 368,000 | $ 288,000 |
| Fresno, CA | 1 | $ 58,000 | $ 58,000 | $ 36,000 |
| Greenville, SC | 1 | $ 146,000 | $ 146,000 | $ 66,000 |
| Hot Springs, AR | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Medford, OR | 1 | $ 288,000 | $ 288,000 | $ 64,000 |
| Nassau-Suffolk, NY | 1 | $ 430,000 | $ 430,000 | $ 204,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 293,000 | $ 293,000 | $ 137,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 552,000 | $ 552,000 | $ 140,000 |
| Panama City-Lynn Haven, FL | 1 | $ 106,000 | $ 106,000 | $ 226,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 222,000 | $ 222,000 | $ 109,000 |
| Prescott, AZ | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 119,000 | $ 119,000 | $ 29,000 |
| Salem, OR | 1 | $ 140,000 | $ 140,000 | $ 34,000 |
| Salt Lake City, UT | 1 | $ 63,000 | $ 63,000 | $ 184,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 2,714,000 | $ 2,714,000 | $ 810,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 166,000 | $ 166,000 | $ 0 |
| St. George, UT | 1 | $ 124,000 | $ 124,000 | $ 87,000 |
| Vallejo-Fairfield, CA | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Wichita, KS | 1 | $ 157,000 | $ 157,000 | $ 99,000 |
| Yuba City, CA | 1 | $ 330,000 | $ 330,000 | $ 110,000 |
| Yuma, AZ | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for First National Bank of Nevada in 2005
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 | 1,085 | $207,833,000 | $171,521 | $1,136,000 | $100,217 | $2,400,000 |
| Refinancing | 600 | $165,442,000 | $246,000 | $2,714,000 | $134,750 | $1,231,000 |
| Home Improvement | 5 | $200,000 | $47,500 | $100,000 | $85,000 | $390,000 |
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 | 1,241 | $285,421,000 | $187,578 | $2,694,000 | $115,736 | $2,400,000 |
| Hispanic | 296 | $51,592,000 | $168,888 | $460,000 | $34,777 | $348,000 |
| Asian | 78 | $15,353,000 | $159,333 | $482,000 | $82,333 | $540,000 |
| Not Provided | 34 | $9,787,000 | $1,008,666 | $2,714,000 | $329,333 | $810,000 |
| Black or African American | 17 | $3,766,000 | $227,250 | $599,000 | $136,250 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,965,000 | $190,000 | $650,000 | $84,500 | $114,000 |
| Not applicable | 6 | $3,326,000 | $455,000 | $1,625,000 | $190,666 | $480,000 |
| American Indian or Alaskan Native | 4 | $1,265,000 | $316,000 | $700,000 | $118,000 | $278,000 |
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) | 1,541 | $346,277,000 | $179,956 | $2,714,000 | $102,782 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 117 | $20,329,000 | $156,333 | $288,000 | $43,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 32 | $6,869,000 | $176,333 | $365,000 | $48,666 | $130,000 |
| 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 | 1,270 | $262,123,000 | $157,238 | $1,136,000 | $77,714 | $2,400,000 |
| Application Withdrawn By Applicant | 356 | $96,484,000 | $220,714 | $2,714,000 | $140,642 | $1,231,000 |
| Application Denied By Financial Institution | 43 | $7,312,000 | $94,400 | $1,780,000 | $111,200 | $436,000 |
| File Closed For Incompleteness | 15 | $6,346,000 | $323,000 | $2,500,000 | $54,500 | $876,000 |
| Application Approved But Not Accepted | 5 | $1,070,000 | $195,000 | $440,000 | $102,500 | $343,000 |
| Preapproval Approved but not Accepted | 1 | $140,000 | $140,000 | $140,000 | $27,000 | $27,000 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $2,042,000 | $103,000 | $192,000 | $62,333 | $103,000 |
| Debt-To-Income Ratio | 8 | $1,400,000 | $125,500 | $315,000 | $43,500 | $136,000 |
| Other | 8 | $676,000 | $71,500 | $217,000 | $124,500 | $200,000 |
| Collateral | 6 | $2,634,000 | $439,000 | $1,780,000 | $129,000 | $436,000 |
| Credit Application Incomplete | 1 | $63,000 | $63,000 | $63,000 | $184,000 | $184,000 |
| Employment History | 1 | $97,000 | $97,000 | $97,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $400,000 | $400,000 | $400,000 | $126,000 | $126,000 |
| 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 First National Bank of Nevada's 2005 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 First National Bank of Nevada'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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