Nations Home Funding, Inc Mortgage Lending & HMDA Data, 2008
In 2008, Nations Home Funding, Inc of Brentwood, TN reported 991 mortgage applications totaling $221.6 million, down 49% from 2007. The average application was for $223,614, and applicants reported an average income of $114,395. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (159), Washington-Arlington-Alexandria, DC-VA-MD-WV (78) and Raleigh-Cary, NC (67) (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 | 991 |
| Total Mortgage Loan Application Amount | $221,602,000 |
| Average Mortgage Loan Application Amount | $223,614 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $114,395 |
| Highest Applicant Income | $6,864,000 |
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records Nations Home Funding, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 159 | $ 30,861,000 | $ 194,094 | $ 103,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 78 | $ 27,016,000 | $ 346,358 | $ 195,769 |
| Raleigh-Cary, NC | 67 | $ 13,801,000 | $ 205,985 | $ 85,000 |
| Durham, NC | 50 | $ 12,973,000 | $ 259,460 | $ 173,000 |
| Santa Ana-Anaheim-Irvine, CA | 32 | $ 13,846,000 | $ 432,687 | $ 200,000 |
| Baltimore-Towson, MD | 26 | $ 7,550,000 | $ 290,384 | $ 125,000 |
| Tampa-St. Petersburg-Clearwater, FL | 23 | $ 3,936,000 | $ 171,130 | $ 78,000 |
| Charlotte-Gastonia-Concord, NC-SC | 22 | $ 3,610,000 | $ 164,090 | $ 80,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 5,469,000 | $ 248,590 | $ 72,000 |
| Reno-Sparks, NV | 19 | $ 5,734,000 | $ 301,789 | $ 59,000 |
| Colorado Springs, CO | 18 | $ 4,002,000 | $ 222,333 | $ 84,000 |
| Pittsburgh, PA | 18 | $ 1,798,000 | $ 99,888 | $ 62,000 |
| Winston-Salem, NC | 18 | $ 2,825,000 | $ 156,944 | $ 70,000 |
| Denver-Aurora, CO | 15 | $ 3,264,000 | $ 217,600 | $ 99,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 5,431,000 | $ 362,066 | $ 158,000 |
| Philadelphia, PA | 15 | $ 3,576,000 | $ 238,400 | $ 97,000 |
| York-Hanover, PA | 15 | $ 2,120,000 | $ 141,333 | $ 67,000 |
| Greensboro-High Point, NC | 13 | $ 1,674,000 | $ 128,769 | $ 70,000 |
| Tallahassee, FL | 11 | $ 1,858,000 | $ 168,909 | $ 87,000 |
| Jacksonville, FL | 10 | $ 1,514,000 | $ 151,400 | $ 70,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 1,441,000 | $ 160,111 | $ 57,000 |
| Kennewick-Pasco-Richland, WA | 8 | $ 1,431,000 | $ 178,875 | $ 79,000 |
| Portland-Vancouver-Beaverton, OR-WA | 8 | $ 1,720,000 | $ 215,000 | $ 79,000 |
| Richmond, VA | 8 | $ 2,461,000 | $ 307,625 | $ 353,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 2,344,000 | $ 293,000 | $ 281,000 |
| Asheville, NC | 7 | $ 1,331,000 | $ 190,142 | $ 61,000 |
| Birmingham-Hoover, AL | 7 | $ 1,081,000 | $ 154,428 | $ 83,000 |
| Spokane, WA | 7 | $ 1,464,000 | $ 209,142 | $ 77,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,363,000 | $ 227,166 | $ 67,000 |
| Harrisburg-Carlisle, PA | 6 | $ 847,000 | $ 141,166 | $ 67,000 |
| Lynchburg, VA | 6 | $ 879,000 | $ 146,500 | $ 48,000 |
| Orlando-Kissimmee, FL | 6 | $ 830,000 | $ 138,333 | $ 86,000 |
| Tucson, AZ | 6 | $ 712,000 | $ 118,666 | $ 95,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 1,091,000 | $ 181,833 | $ 63,000 |
| Lakeland-Winter Haven, FL | 5 | $ 679,000 | $ 135,800 | $ 81,000 |
| Pueblo, CO | 5 | $ 900,000 | $ 180,000 | $ 82,000 |
| Albuquerque, NM | 4 | $ 525,000 | $ 131,250 | $ 73,000 |
| Bethesda-Frederick-Gaithersburg, MD | 4 | $ 1,538,000 | $ 384,500 | $ 107,000 |
| Burlington, NC | 4 | $ 740,000 | $ 185,000 | $ 95,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 461,000 | $ 115,250 | $ 79,000 |
| Roanoke, VA | 4 | $ 403,000 | $ 100,750 | $ 42,000 |
| Wilmington, DE-MD-NJ | 4 | $ 886,000 | $ 221,500 | $ 65,000 |
| Wilmington, NC | 4 | $ 918,000 | $ 229,500 | $ 85,000 |
| Dover, DE | 3 | $ 491,000 | $ 163,666 | $ 68,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 316,000 | $ 105,333 | $ 50,000 |
| Naples-Marco Island, FL | 3 | $ 363,000 | $ 121,000 | $ 77,000 |
| Ocala, FL | 3 | $ 533,000 | $ 177,666 | $ 52,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 524,000 | $ 174,666 | $ 76,000 |
| Port St. Lucie, FL | 3 | $ 767,000 | $ 255,666 | $ 129,000 |
| Bradenton-Sarasota-Venice, FL | 2 | $ 373,000 | $ 186,500 | $ 58,000 |
| Charlottesville, VA | 2 | $ 322,000 | $ 161,000 | $ 91,000 |
| Decatur, AL | 2 | $ 261,000 | $ 130,500 | $ 79,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 212,000 | $ 106,000 | $ 50,000 |
| Goldsboro, NC | 2 | $ 245,000 | $ 122,500 | $ 64,000 |
| Greeley, CO | 2 | $ 433,000 | $ 216,500 | $ 92,000 |
| Greenville, NC | 2 | $ 305,000 | $ 152,500 | $ 69,000 |
| Jacksonville, NC | 2 | $ 397,000 | $ 198,500 | $ 37,000 |
| Lancaster, PA | 2 | $ 236,000 | $ 118,000 | $ 59,000 |
| Las Vegas-Paradise, NV | 2 | $ 389,000 | $ 194,500 | $ 212,000 |
| Longview, WA | 2 | $ 434,000 | $ 217,000 | $ 69,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 268,000 | $ 134,000 | $ 119,000 |
| Palm Coast, FL | 2 | $ 440,000 | $ 220,000 | $ 203,000 |
| Prescott, AZ | 2 | $ 467,000 | $ 233,500 | $ 83,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 664,000 | $ 332,000 | $ 180,000 |
| State College, PA | 2 | $ 339,000 | $ 169,500 | $ 48,000 |
| Tacoma, WA | 2 | $ 525,000 | $ 262,500 | $ 62,000 |
| Winchester, VA-WV | 2 | $ 368,000 | $ 184,000 | $ 65,500 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 175,000 | $ 175,000 | $ 103,000 |
| Altoona, PA | 1 | $ 96,000 | $ 96,000 | $ 62,000 |
| Anniston-Oxford, AL | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Bellingham, WA | 1 | $ 167,000 | $ 167,000 | $ 47,000 |
| Boulder, CO | 1 | $ 325,000 | $ 325,000 | $ 137,000 |
| Bremerton-Silverdale, WA | 1 | $ 327,000 | $ 327,000 | $ 86,000 |
| Carson City, NV | 1 | $ 350,000 | $ 350,000 | $ 84,000 |
| Columbia, SC | 1 | $ 450,000 | $ 450,000 | $ 100,000 |
| Cumberland, MD-WV | 1 | $ 167,000 | $ 167,000 | $ 43,000 |
| Farmington, NM | 1 | $ 160,000 | $ 160,000 | $ 141,000 |
| Fayetteville, NC | 1 | $ 148,000 | $ 148,000 | $ 78,000 |
| Flagstaff, AZ | 1 | $ 187,000 | $ 187,000 | $ 49,000 |
| Florence-Muscle Shoals, AL | 1 | $ 113,000 | $ 113,000 | $ 59,000 |
| Gainesville, FL | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 210,000 | $ 210,000 | $ 108,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Huntsville, AL | 1 | $ 266,000 | $ 266,000 | $ 95,000 |
| Indianapolis-Carmel, IN | 1 | $ 94,000 | $ 94,000 | $ 141,000 |
| Kansas City, MO-KS | 1 | $ 114,000 | $ 114,000 | $ 88,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 162,000 | $ 162,000 | $ 118,000 |
| Knoxville, TN | 1 | $ 249,000 | $ 249,000 | $ 102,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 129,000 | $ 129,000 | $ 82,000 |
| Lebanon, PA | 1 | $ 162,000 | $ 162,000 | $ 63,000 |
| Memphis, TN-MS-AR | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 192,000 | $ 192,000 | $ 158,000 |
| Montgomery, AL | 1 | $ 357,000 | $ 357,000 | $ 141,000 |
| Morristown, TN | 1 | $ 41,000 | $ 41,000 | $ 62,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 239,000 | $ 239,000 | $ 87,000 |
| Panama City-Lynn Haven, FL | 1 | $ 237,000 | $ 237,000 | $ 64,000 |
| Punta Gorda, FL | 1 | $ 247,000 | $ 247,000 | $ 98,000 |
| Reading, PA | 1 | $ 144,000 | $ 144,000 | $ 70,000 |
| Rocky Mount, NC | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Salisbury, MD | 1 | $ 213,000 | $ 213,000 | $ 126,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 650,000 | $ 650,000 | $ 195,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 767,000 | $ 767,000 | $ 10,000 |
| Santa Fe, NM | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 151,000 | $ 151,000 | $ 143,000 |
| Sebastian-Vero Beach, FL | 1 | $ 192,000 | $ 192,000 | $ 80,000 |
| Tuscaloosa, AL | 1 | $ 130,000 | $ 130,000 | $ 146,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 137,000 | $ 137,000 | $ 68,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 148,000 | $ 148,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Nations Home Funding, Inc 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 | 655 | $145,644,000 | $222,000 | $2,500,000 | $110,000 | $6,864,000 |
| Home Purchase | 330 | $74,212,000 | $224,000 | $1,423,000 | $117,000 | $1,362,000 |
| Home Improvement | 6 | $1,746,000 | $291,000 | $800,000 | $451,000 | $2,142,000 |
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 | 708 | $163,634,000 | $231,000 | $2,500,000 | $124,000 | $6,864,000 |
| Not Provided | 184 | $37,390,000 | $203,000 | $820,000 | $85,000 | $259,000 |
| Black or African American | 56 | $11,266,000 | $201,000 | $728,000 | $87,000 | $300,000 |
| Hispanic | 34 | $7,769,000 | $228,000 | $688,000 | $107,000 | $780,000 |
| Asian | 6 | $940,000 | $156,000 | $417,000 | $109,000 | $191,000 |
| American Indian or Alaskan Native | 2 | $248,000 | $124,000 | $132,000 | $100,000 | $128,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $355,000 | $355,000 | $355,000 | $86,000 | $86,000 |
| 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) | 722 | $163,981,000 | $227,000 | $2,500,000 | $130,000 | $6,864,000 |
| FHA-insured (Federal Housing Administration) | 240 | $50,768,000 | $211,000 | $683,000 | $72,000 | $265,000 |
| VA-guaranteed (Veterans Administration) | 28 | $6,705,000 | $239,000 | $417,000 | $71,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $148,000 | $148,000 | $148,000 | $38,000 | $38,000 |
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 | 872 | $195,080,000 | $223,000 | $2,500,000 | $115,000 | $6,864,000 |
| Application Withdrawn By Applicant | 90 | $21,526,000 | $239,000 | $1,423,000 | $113,000 | $548,000 |
| Application Denied By Financial Institution | 25 | $4,296,000 | $171,000 | $424,000 | $81,000 | $163,000 |
| Application Approved But Not Accepted | 4 | $700,000 | $175,000 | $230,000 | $80,000 | $171,000 |
| File Closed For Incompleteness | 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 | 9 | $1,393,000 | $154,000 | $274,000 | $83,000 | $163,000 |
| Credit History | 6 | $1,304,000 | $217,000 | $424,000 | $85,000 | $133,000 |
| Debt-To-Income Ratio | 5 | $807,000 | $161,000 | $253,000 | $72,000 | $153,000 |
| Employment History | 3 | $371,000 | $123,000 | $202,000 | $82,000 | $102,000 |
| Other | 2 | $421,000 | $210,000 | $269,000 | $85,000 | $93,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 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 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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