Nations Home Funding, Inc Mortgage Lending & HMDA Data, 2005

In 2005, Nations Home Funding, Inc of Brentwood, TN reported 2,780 mortgage applications totaling $505.8 million. The average application was for $181,955, and applicants reported an average income of $104,604. 84% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (548), Raleigh-Cary, NC (426) and Durham, NC (424) (applications in parentheses).

Mortgage Company & Address Nations Home Funding, Inc
761 Old Hickory Blvd., Ste 400
Brentwood, TN 37027
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  
Total Number of Mortgage Applications 2,780
Total Mortgage Loan Application Amount $505,836,000
Average Mortgage Loan Application Amount $181,955
Highest Mortgage Loan Application Amount $1,309,000
Average Applicant Income $104,604
Highest Applicant Income $1,000,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nations Home Funding, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Nations Home Funding, Inc by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 474 $ 77,124,000 $ 162,708 $ 102,000
Wake, North Carolina 378 $ 57,832,000 $ 152,994 $ 115,000
Durham, North Carolina 223 $ 27,175,000 $ 121,860 $ 84,000
Guilford, North Carolina 153 $ 20,375,000 $ 133,169 $ 76,000
Fairfax, Virginia 143 $ 49,438,000 $ 345,720 $ 123,000
Orange, North Carolina 138 $ 27,921,000 $ 202,326 $ 121,000
Loudoun, Virginia 91 $ 28,516,000 $ 313,362 $ 150,000
Prince William, Virginia 85 $ 26,618,000 $ 313,152 $ 114,000
Pinal, Arizona 74 $ 7,438,000 $ 100,513 $ 86,000
Anne Arundel, Maryland 65 $ 19,122,000 $ 294,184 $ 168,000
Johnston, North Carolina 42 $ 4,801,000 $ 114,309 $ 68,000
Chatham, North Carolina 39 $ 7,287,000 $ 186,846 $ 110,000
Forsyth, North Carolina 39 $ 5,076,000 $ 130,153 $ 81,000
York, Pennsylvania 33 $ 3,094,000 $ 93,757 $ 50,000
Stafford, Virginia 27 $ 6,537,000 $ 242,111 $ 97,000
Queen Anne's, Maryland 25 $ 5,330,000 $ 213,200 $ 122,000
Carroll, Maryland 24 $ 4,072,000 $ 169,666 $ 48,000
Alamance, North Carolina 24 $ 3,308,000 $ 137,833 $ 105,000
Mecklenburg, North Carolina 24 $ 2,727,000 $ 113,625 $ 89,000
Person, North Carolina 24 $ 3,182,000 $ 132,583 $ 54,000
Arlington, Virginia 21 $ 6,310,000 $ 300,476 $ 122,000
Adams, Pennsylvania 19 $ 2,655,000 $ 139,736 $ 75,000
Davidson, North Carolina 18 $ 1,717,000 $ 95,388 $ 78,000
Nash, North Carolina 18 $ 1,435,000 $ 79,722 $ 85,000
Randolph, North Carolina 17 $ 1,682,000 $ 98,941 $ 70,000
Prince George's, Maryland 16 $ 3,356,000 $ 209,750 $ 93,000
Spotsylvania, Virginia 14 $ 2,322,000 $ 165,857 $ 65,000
District of Columbia, District Of Columbia 13 $ 3,821,000 $ 293,923 $ 112,000
Granville, North Carolina 12 $ 1,433,000 $ 119,416 $ 60,000
Fauquier, Virginia 12 $ 3,082,000 $ 256,833 $ 159,000
Duval, Florida 11 $ 1,358,000 $ 123,454 $ 193,000
Howard, Maryland 11 $ 3,794,000 $ 344,909 $ 137,000
Montgomery, Maryland 11 $ 3,121,000 $ 283,727 $ 151,000
Harnett, North Carolina 11 $ 1,006,000 $ 91,454 $ 64,000
Alexandria, Virginia 10 $ 2,113,000 $ 211,300 $ 73,000
Jefferson, West Virginia 10 $ 1,933,000 $ 193,300 $ 123,000
Calvert, Maryland 9 $ 2,483,000 $ 275,888 $ 132,000
Middlesex, Massachusetts 9 $ 2,080,000 $ 231,111 $ 135,000
Brunswick, North Carolina 9 $ 2,463,000 $ 273,666 $ 217,000
Baltimore, Maryland 7 $ 976,000 $ 139,428 $ 80,000
Buncombe, North Carolina 7 $ 1,194,000 $ 170,571 $ 67,000
New Hanover, North Carolina 7 $ 1,560,000 $ 222,857 $ 205,000
Pamlico, North Carolina 7 $ 1,304,000 $ 186,285 $ 164,000
Rockingham, North Carolina 7 $ 433,000 $ 61,857 $ 28,000
Rowan, North Carolina 7 $ 642,000 $ 91,714 $ 87,000
Vance, North Carolina 7 $ 1,571,000 $ 224,428 $ 137,000
Culpeper, Virginia 7 $ 1,522,000 $ 217,428 $ 89,000
Pima, Arizona 6 $ 672,000 $ 112,000 $ 61,000
Indian River, Florida 6 $ 641,000 $ 106,833 $ 60,000
Charles, Maryland 6 $ 1,197,000 $ 199,500 $ 121,000
Dorchester, Maryland 6 $ 1,079,000 $ 179,833 $ 262,000
Essex, Massachusetts 6 $ 831,000 $ 138,500 $ 87,000
Carteret, North Carolina 6 $ 1,782,000 $ 297,000 $ 252,000
Cleveland, North Carolina 6 $ 471,000 $ 78,500 $ 59,000
Franklin, North Carolina 6 $ 860,000 $ 143,333 $ 38,000
Horry, South Carolina 6 $ 768,000 $ 128,000 $ 114,000
Warren, Virginia 6 $ 1,150,000 $ 191,666 $ 128,000
Broward, Florida 5 $ 898,000 $ 179,600 $ 130,000
Frederick, Maryland 5 $ 754,000 $ 150,800 $ 114,000
Dare, North Carolina 5 $ 1,909,000 $ 381,800 $ 294,000
Onslow, North Carolina 5 $ 848,000 $ 169,600 $ 143,000
Pitt, North Carolina 5 $ 555,000 $ 111,000 $ 120,000
Allegheny, Pennsylvania 5 $ 644,000 $ 128,800 $ 61,000
Chesapeake, Virginia 5 $ 696,000 $ 139,200 $ 86,000
Frederick, Virginia 5 $ 1,012,000 $ 202,400 $ 102,000
Lynchburg, Virginia 5 $ 336,000 $ 67,200 $ 72,000
Montgomery, Virginia 5 $ 652,000 $ 130,400 $ 105,000
Okaloosa, Florida 4 $ 778,000 $ 194,500 $ 180,000
Baltimore City, Maryland 4 $ 927,000 $ 231,750 $ 201,000
Cabarrus, North Carolina 4 $ 394,000 $ 98,500 $ 66,000
Edgecombe, North Carolina 4 $ 180,000 $ 45,000 $ 102,000
Moore, North Carolina 4 $ 581,000 $ 145,250 $ 52,000
Berks, Pennsylvania 4 $ 511,000 $ 127,750 $ 67,000
Fairfax City, Virginia 4 $ 1,492,000 $ 373,000 $ 125,000
Manassas, Virginia 4 $ 1,026,000 $ 256,500 $ 131,000
Shenandoah, Virginia 4 $ 617,000 $ 154,250 $ 111,000
Yavapai, Arizona 3 $ 913,000 $ 304,333 $ 111,000
Escambia, Florida 3 $ 292,000 $ 97,333 $ 58,000
Hillsborough, Florida 3 $ 880,000 $ 293,333 $ 76,000
Barnstable, Massachusetts 3 $ 665,000 $ 221,666 $ 342,000
Caldwell, North Carolina 3 $ 214,000 $ 71,333 $ 20,000
Catawba, North Carolina 3 $ 502,000 $ 167,333 $ 57,000
Halifax, North Carolina 3 $ 752,000 $ 250,666 $ 262,000
Henderson, North Carolina 3 $ 419,000 $ 139,666 $ 103,000
McDowell, North Carolina 3 $ 241,000 $ 80,333 $ 96,000
Warren, North Carolina 3 $ 749,000 $ 249,666 $ 110,000
Watauga, North Carolina 3 $ 1,479,000 $ 493,000 $ 304,000
Luzerne, Pennsylvania 3 $ 244,000 $ 81,333 $ 64,000
Beaufort, South Carolina 3 $ 810,000 $ 270,000 $ 251,000
Albemarle, Virginia 3 $ 937,000 $ 312,333 $ 153,000
Caroline, Virginia 3 $ 448,000 $ 149,333 $ 60,000
Pittsylvania, Virginia 3 $ 545,000 $ 181,666 $ 154,000
Virginia Beach, Virginia 3 $ 884,000 $ 294,666 $ 35,000
Baldwin, Alabama 2 $ 185,000 $ 92,500 $ 168,000
Coconino, Arizona 2 $ 485,000 $ 242,500 $ 85,000
Mohave, Arizona 2 $ 180,000 $ 90,000 $ 118,000
Navajo, Arizona 2 $ 90,000 $ 45,000 $ 95,000
Elbert, Colorado 2 $ 465,000 $ 232,500 $ 113,000
Bradford, Florida 2 $ 124,000 $ 62,000 $ 33,000
Flagler, Florida 2 $ 225,000 $ 112,500 $ 68,000
Holmes, Florida 2 $ 291,000 $ 145,500 $ 54,000
Madison, Florida 2 $ 87,000 $ 43,500 $ 24,000
Martin, Florida 2 $ 765,000 $ 382,500 $ 542,000
Miami-Dade, Florida 2 $ 246,000 $ 123,000 $ 61,000
Nassau, Florida 2 $ 250,000 $ 125,000 $ 216,000
Pinellas, Florida 2 $ 468,000 $ 234,000 $ 49,000
Santa Rosa, Florida 2 $ 199,000 $ 99,500 $ 38,000
Cobb, Georgia 2 $ 323,000 $ 161,500 $ 67,000
Lake, Indiana 2 $ 288,000 $ 144,000 $ 135,000
Oxford, Maine 2 $ 92,000 $ 46,000 $ 147,000
Harford, Maryland 2 $ 430,000 $ 215,000 $ 64,000
St. Mary's, Maryland 2 $ 356,000 $ 178,000 $ 161,000
Washington, Maryland 2 $ 204,000 $ 102,000 $ 58,000
Taos, New Mexico 2 $ 720,000 $ 360,000 $ 396,000
Avery, North Carolina 2 $ 360,000 $ 180,000 $ 241,000
Craven, North Carolina 2 $ 146,000 $ 73,000 $ 108,000
Davie, North Carolina 2 $ 446,000 $ 223,000 $ 183,000
Duplin, North Carolina 2 $ 385,000 $ 192,500 $ 159,000
Hoke, North Carolina 2 $ 92,000 $ 46,000 $ 78,000
Stokes, North Carolina 2 $ 406,000 $ 203,000 $ 79,000
Union, North Carolina 2 $ 388,000 $ 194,000 $ 81,000
Wilson, North Carolina 2 $ 403,000 $ 201,500 $ 68,000
Yadkin, North Carolina 2 $ 300,000 $ 150,000 $ 57,000
Lehigh, Pennsylvania 2 $ 527,000 $ 263,500 $ 130,000
Westmoreland, Pennsylvania 2 $ 128,000 $ 64,000 $ 53,000
Davidson, Tennessee 2 $ 125,000 $ 62,500 $ 45,000
Unicoi, Tennessee 2 $ 117,000 $ 58,500 $ 68,000
Wilson, Tennessee 2 $ 340,000 $ 170,000 $ 118,000
Amherst, Virginia 2 $ 200,000 $ 100,000 $ 64,000
Fluvanna, Virginia 2 $ 347,000 $ 173,500 $ 53,000
Franklin, Virginia 2 $ 552,000 $ 276,000 $ 120,000
James City, Virginia 2 $ 604,000 $ 302,000 $ 64,000
Roanoke, Virginia 2 $ 212,000 $ 106,000 $ 81,000
Rockingham, Virginia 2 $ 132,000 $ 66,000 $ 95,000
York, Virginia 2 $ 595,000 $ 297,500 $ 72,000
Yuma, Arizona 1 $ 98,000 $ 98,000 $ 33,000
Larimer, Colorado 1 $ 212,000 $ 212,000 $ 88,000
Brevard, Florida 1 $ 383,000 $ 383,000 $ 159,000
Collier, Florida 1 $ 218,000 $ 218,000 $ 171,000
Leon, Florida 1 $ 163,000 $ 163,000 $ 116,000
Manatee, Florida 1 $ 635,000 $ 635,000 $ 449,000
Palm Beach, Florida 1 $ 150,000 $ 150,000 $ 166,000
Polk, Florida 1 $ 291,000 $ 291,000 $ 133,000
Sarasota, Florida 1 $ 180,000 $ 180,000 $ 135,000
Seminole, Florida 1 $ 152,000 $ 152,000 $ 60,000
St. Johns, Florida 1 $ 210,000 $ 210,000 $ 0
St. Lucie, Florida 1 $ 155,000 $ 155,000 $ 39,000
Volusia, Florida 1 $ 330,000 $ 330,000 $ 86,000
Cherokee, Georgia 1 $ 225,000 $ 225,000 $ 97,000
DeKalb, Georgia 1 $ 487,000 $ 487,000 $ 107,000
Habersham, Georgia 1 $ 202,000 $ 202,000 $ 129,000
Shawnee, Kansas 1 $ 45,000 $ 45,000 $ 28,000
Talbot, Maryland 1 $ 440,000 $ 440,000 $ 114,000
Plymouth, Massachusetts 1 $ 100,000 $ 100,000 $ 198,000
Suffolk, Massachusetts 1 $ 75,000 $ 75,000 $ 156,000
Worcester, Massachusetts 1 $ 150,000 $ 150,000 $ 60,000
Boone, Missouri 1 $ 6,000 $ 6,000 $ 69,000
Alleghany, North Carolina 1 $ 137,000 $ 137,000 $ 72,000
Ashe, North Carolina 1 $ 118,000 $ 118,000 $ 234,000
Caswell, North Carolina 1 $ 266,000 $ 266,000 $ 98,000
Cumberland, North Carolina 1 $ 161,000 $ 161,000 $ 118,000
Gaston, North Carolina 1 $ 187,000 $ 187,000 $ 53,000
Iredell, North Carolina 1 $ 191,000 $ 191,000 $ 173,000
Montgomery, North Carolina 1 $ 255,000 $ 255,000 $ 273,000
Northampton, North Carolina 1 $ 312,000 $ 312,000 $ 156,000
Pender, North Carolina 1 $ 360,000 $ 360,000 $ 156,000
Polk, North Carolina 1 $ 154,000 $ 154,000 $ 47,000
Stanly, North Carolina 1 $ 56,000 $ 56,000 $ 50,000
Wayne, North Carolina 1 $ 88,000 $ 88,000 $ 0
Washington, Oregon 1 $ 139,000 $ 139,000 $ 107,000
Bedford, Pennsylvania 1 $ 104,000 $ 104,000 $ 30,000
Blair, Pennsylvania 1 $ 46,000 $ 46,000 $ 44,000
Centre, Pennsylvania 1 $ 106,000 $ 106,000 $ 55,000
Chester, Pennsylvania 1 $ 115,000 $ 115,000 $ 62,000
Franklin, Pennsylvania 1 $ 57,000 $ 57,000 $ 92,000
Mifflin, Pennsylvania 1 $ 73,000 $ 73,000 $ 94,000
Monroe, Pennsylvania 1 $ 141,000 $ 141,000 $ 0
Montgomery, Pennsylvania 1 $ 420,000 $ 420,000 $ 175,000
Colleton, South Carolina 1 $ 336,000 $ 336,000 $ 66,000
Richland, South Carolina 1 $ 302,000 $ 302,000 $ 81,000
York, South Carolina 1 $ 52,000 $ 52,000 $ 34,000
Sevier, Tennessee 1 $ 106,000 $ 106,000 $ 48,000
Appomattox, Virginia 1 $ 168,000 $ 168,000 $ 79,000
Bedford, Virginia 1 $ 158,000 $ 158,000 $ 62,000
Chesterfield, Virginia 1 $ 210,000 $ 210,000 $ 112,000
Colonial Heights, Virginia 1 $ 142,000 $ 142,000 $ 82,000
Floyd, Virginia 1 $ 205,000 $ 205,000 $ 0
Fredericksburg, Virginia 1 $ 141,000 $ 141,000 $ 53,000
Giles, Virginia 1 $ 145,000 $ 145,000 $ 51,000
Halifax, Virginia 1 $ 92,000 $ 92,000 $ 125,000
Isle of Wight, Virginia 1 $ 469,000 $ 469,000 $ 100,000
King William, Virginia 1 $ 225,000 $ 225,000 $ 90,000
Norfolk, Virginia 1 $ 115,000 $ 115,000 $ 143,000
Northumberland, Virginia 1 $ 333,000 $ 333,000 $ 143,000
Petersburg, Virginia 1 $ 109,000 $ 109,000 $ 72,000
Pulaski, Virginia 1 $ 177,000 $ 177,000 $ 79,000
Rappahannock, Virginia 1 $ 284,000 $ 284,000 $ 118,000
Tazewell, Virginia 1 $ 100,000 $ 100,000 $ 0
Washington, Virginia 1 $ 55,000 $ 55,000 $ 123,000
Winchester, Virginia 1 $ 261,000 $ 261,000 $ 234,000
Pocahontas, West Virginia 1 $ 60,000 $ 60,000 $ 90,000
Tucker, West Virginia 1 $ 346,000 $ 346,000 $ 226,000

Mortgage Loan Application Detail Totals for Nations Home Funding, Inc 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
Refinancing 1,392 $274,046,000 $156,470 $1,191,000 $114,764 $1,000,000
Home Purchase 1,374 $229,351,000 $204,941 $1,309,000 $141,705 $600,000
Home Improvement 14 $2,439,000 $206,250 $468,000 $122,000 $317,000

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 2,133 $396,362,000 $174,111 $1,191,000 $129,833 $1,000,000
Not Provided 270 $46,632,000 $206,900 $1,309,000 $89,600 $540,000
Black or African American 210 $36,463,000 $182,125 $799,000 $106,625 $253,000
Hispanic 110 $16,004,000 $186,200 $960,000 $82,200 $420,000
Asian 44 $7,705,000 $145,750 $828,000 $92,750 $250,000
American Indian or Alaskan Native 11 $1,939,000 $209,666 $438,000 $79,000 $109,000
Native Hawaiian or Other Pacific Islander 2 $731,000 $365,500 $523,000 $86,000 $108,000
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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,766 $504,042,000 $169,150 $1,309,000 $124,500 $1,000,000
FHA-insured (Federal Housing Administration) 11 $1,388,000 $126,500 $181,000 $68,500 $132,000
VA-guaranteed (Veterans Administration) 3 $406,000 $123,000 $187,000 $37,500 $99,000
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 2,337 $434,914,000 $190,470 $1,309,000 $136,352 $1,000,000
Application Withdrawn By Applicant 438 $69,985,000 $148,538 $1,000,000 $86,384 $420,000
Application Denied By Financial Institution 3 $744,000 $248,000 $434,000 $74,000 $80,000
File Closed For Incompleteness 2 $193,000 $96,000 $158,000 $51,000 $64,000
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
Collateral 2 $310,000 $155,000 $248,000 $69,000 $69,000
Other 1 $434,000 $434,000 $434,000 $80,000 $80,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
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

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nations Home Funding, Inc'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 Nations Home Funding, Inc'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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