Nations Direct Mortgage, LLC Mortgage Lending & HMDA Data, 2008
In 2008, Nations Direct Mortgage, LLC of Henderson, NV reported 5,856 mortgage applications totaling $1.4 billion, up 132% from 2007. The average application was for $231,735, and applicants reported an average income of $73,778. 18% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (713), Los Angeles-Long Beach-Glendale, CA (667) and Phoenix-Mesa-Scottsdale, AZ (215) (applications in parentheses).
| Mortgage Company & Address | Nations Direct Mortgage, LLC 2475 Village View Drive Suite 100 Henderson, NV 89074 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 5,856 |
| Total Mortgage Loan Application Amount | $1,357,046,000 |
| Average Mortgage Loan Application Amount | $231,735 |
| Highest Mortgage Loan Application Amount | $911,000 |
| Average Applicant Income | $73,778 |
| Highest Applicant Income | $1,310,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nations Direct Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Nations Direct Mortgage, LLC in 2008
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 | 3,253 | $750,216,000 | $230,000 | $911,000 | $72,000 | $626,000 |
| Home Purchase | 2,603 | $606,830,000 | $233,000 | $873,000 | $76,000 | $1,310,000 |
| Home Improvement | 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 | 1,948 | $434,014,000 | $222,000 | $741,000 | $74,000 | $777,000 |
| Hispanic | 1,426 | $326,451,000 | $228,000 | $911,000 | $71,000 | $626,000 |
| Not Provided | 1,249 | $313,277,000 | $250,000 | $873,000 | $77,000 | $1,310,000 |
| Black or African American | 968 | $195,325,000 | $201,000 | $729,000 | $66,000 | $324,000 |
| Asian | 198 | $67,087,000 | $338,000 | $783,000 | $97,000 | $417,000 |
| Native Hawaiian or Other Pacific Islander | 57 | $18,741,000 | $328,000 | $740,000 | $96,000 | $247,000 |
| American Indian or Alaskan Native | 10 | $2,151,000 | $215,000 | $503,000 | $70,000 | $167,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 5,689 | $1,332,347,000 | $234,000 | $911,000 | $74,000 | $1,310,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 167 | $24,699,000 | $147,000 | $668,000 | $76,000 | $266,000 |
| 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 2,826 | $662,729,000 | $234,000 | $783,000 | $73,000 | $1,310,000 |
| Application Denied By Financial Institution | 1,318 | $296,424,000 | $224,000 | $873,000 | $69,000 | $312,000 |
| Loan Originated | 1,060 | $251,698,000 | $237,000 | $911,000 | $80,000 | $777,000 |
| Application Withdrawn By Applicant | 652 | $146,195,000 | $224,000 | $822,000 | $76,000 | $417,000 |
| 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 | 508 | $96,312,000 | $189,000 | $731,000 | $62,000 | $228,000 |
| Debt-To-Income Ratio | 329 | $82,679,000 | $251,000 | $751,000 | $64,000 | $264,000 |
| Other | 234 | $56,722,000 | $242,000 | $740,000 | $79,000 | $312,000 |
| Collateral | 69 | $16,701,000 | $242,000 | $727,000 | $77,000 | $235,000 |
| Unverifiable Information | 66 | $17,819,000 | $269,000 | $741,000 | $88,000 | $271,000 |
| Employment History | 49 | $13,601,000 | $277,000 | $873,000 | $79,000 | $253,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 49 | $9,636,000 | $196,000 | $523,000 | $62,000 | $131,000 |
| Credit Application Incomplete | 13 | $2,618,000 | $201,000 | $364,000 | $85,000 | $153,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nations Direct Mortgage, LLC's 2008 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 Nations Direct Mortgage, LLC'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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