Nationsfirst Lending, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Nationsfirst Lending, Inc. of Irvine, CA reported 1,004 mortgage applications totaling $377.9 million. The average application was for $376,383, and applicants reported an average income of $102,392. 37% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (236), Riverside-San Bernardino-Ontario, CA (227) and Santa Ana-Anaheim-Irvine, CA (197) (applications in parentheses).
| Mortgage Company & Address | Nationsfirst Lending, Inc. 30 Corporate Park, Suite 455 Irvine, CA 92606 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 1,004 |
| Total Mortgage Loan Application Amount | $377,889,000 |
| Average Mortgage Loan Application Amount | $376,383 |
| Highest Mortgage Loan Application Amount | $3,840,000 |
| Average Applicant Income | $102,392 |
| Highest Applicant Income | $3,559,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nationsfirst Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 236 | $ 87,715,000 | $ 371,673 | $ 79,000 |
| Riverside-San Bernardino-Ontario, CA | 227 | $ 72,518,000 | $ 319,462 | $ 92,000 |
| Santa Ana-Anaheim-Irvine, CA | 197 | $ 108,191,000 | $ 549,192 | $ 181,000 |
| Oakland-Fremont-Hayward, CA | 45 | $ 17,908,000 | $ 397,955 | $ 25,000 |
| San Diego-Carlsbad-San Marcos, CA | 37 | $ 13,710,000 | $ 370,540 | $ 99,000 |
| Las Vegas-Paradise, NV | 36 | $ 9,947,000 | $ 276,305 | $ 85,000 |
| Stockton, CA | 20 | $ 5,071,000 | $ 253,550 | $ 81,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 7,604,000 | $ 422,444 | $ 34,000 |
| San Francisco-San Mateo-Redwood City, CA | 16 | $ 8,739,000 | $ 546,187 | $ 99,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 3,678,000 | $ 245,200 | $ 89,000 |
| Fresno, CA | 14 | $ 3,577,000 | $ 255,500 | $ 87,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 3,672,000 | $ 333,818 | $ 133,000 |
| Vallejo-Fairfield, CA | 11 | $ 4,488,000 | $ 408,000 | $ 74,000 |
| Bakersfield, CA | 10 | $ 1,791,000 | $ 179,100 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 2,464,000 | $ 308,000 | $ 109,000 |
| Modesto, CA | 6 | $ 1,789,000 | $ 298,166 | $ 81,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 6 | $ 1,808,000 | $ 301,333 | $ 122,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,477,000 | $ 246,166 | $ 111,000 |
| Anchorage, AK | 5 | $ 1,087,000 | $ 217,400 | $ 43,000 |
| Baltimore-Towson, MD | 5 | $ 841,000 | $ 168,200 | $ 83,000 |
| Orlando-Kissimmee, FL | 5 | $ 1,358,000 | $ 271,600 | $ 88,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 1,327,000 | $ 265,400 | $ 99,000 |
| Punta Gorda, FL | 4 | $ 389,000 | $ 97,250 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,730,000 | $ 432,500 | $ 252,000 |
| Visalia-Porterville, CA | 4 | $ 737,000 | $ 184,250 | $ 105,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 498,000 | $ 166,000 | $ 172,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 984,000 | $ 328,000 | $ 146,000 |
| Tacoma, WA | 3 | $ 649,000 | $ 216,333 | $ 68,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 328,000 | $ 164,000 | $ 0 |
| Charlottesville, VA | 2 | $ 472,000 | $ 236,000 | $ 42,000 |
| Colorado Springs, CO | 2 | $ 528,000 | $ 264,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 475,000 | $ 237,500 | $ 0 |
| Fairbanks, AK | 2 | $ 269,000 | $ 134,500 | $ 64,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 359,000 | $ 179,500 | $ 111,000 |
| Salinas, CA | 2 | $ 954,000 | $ 477,000 | $ 76,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 403,000 | $ 201,500 | $ 101,000 |
| Sebastian-Vero Beach, FL | 2 | $ 558,000 | $ 279,000 | $ 225,000 |
| Boulder, CO | 1 | $ 216,000 | $ 216,000 | $ 127,000 |
| Denver-Aurora, CO | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Jacksonville, FL | 1 | $ 588,000 | $ 588,000 | $ 110,000 |
| Madera, CA | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Merced, CA | 1 | $ 230,000 | $ 230,000 | $ 66,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 209,000 | $ 209,000 | $ 153,000 |
| Salisbury, MD | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Santa Barbara-Santa Maria, CA | 1 | $ 640,000 | $ 640,000 | $ 198,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 346,000 | $ 346,000 | $ 90,000 |
| Spokane, WA | 1 | $ 216,000 | $ 216,000 | $ 60,000 |
| Tucson, AZ | 1 | $ 332,000 | $ 332,000 | $ 96,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 188,000 | $ 188,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Nationsfirst Lending, Inc. in 2006
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 | 590 | $231,706,000 | $392,000 | $3,840,000 | $116,000 | $3,559,000 |
| Home Purchase | 414 | $146,183,000 | $353,000 | $2,000,000 | $83,000 | $1,500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 341 | $113,966,000 | $334,000 | $1,500,000 | $65,000 | $660,000 |
| White | 247 | $108,614,000 | $439,000 | $1,620,000 | $161,000 | $3,559,000 |
| Not Provided | 227 | $83,874,000 | $369,000 | $2,000,000 | $97,000 | $1,800,000 |
| Asian | 93 | $38,741,000 | $416,000 | $1,000,000 | $65,000 | $480,000 |
| Black or African American | 70 | $24,821,000 | $354,000 | $3,840,000 | $164,000 | $1,716,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $5,582,000 | $310,000 | $624,000 | $59,000 | $216,000 |
| American Indian or Alaskan Native | 8 | $2,291,000 | $286,000 | $454,000 | $60,000 | $152,000 |
| 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) | 1,003 | $377,590,000 | $376,000 | $3,840,000 | $103,000 | $3,559,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $299,000 | $299,000 | $299,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 367 | $156,460,000 | $426,000 | $3,840,000 | $110,000 | $3,559,000 |
| Application Denied By Financial Institution | 330 | $120,660,000 | $365,000 | $2,000,000 | $111,000 | $1,200,000 |
| Application Approved But Not Accepted | 306 | $100,690,000 | $329,000 | $1,500,000 | $84,000 | $1,800,000 |
| Application Withdrawn By Applicant | 1 | $79,000 | $79,000 | $79,000 | $126,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 76 | $26,514,000 | $348,000 | $1,496,000 | $100,000 | $579,000 |
| Unverifiable Information | 61 | $21,940,000 | $359,000 | $2,000,000 | $70,000 | $428,000 |
| Collateral | 59 | $24,321,000 | $412,000 | $1,514,000 | $142,000 | $1,200,000 |
| Other | 56 | $16,585,000 | $296,000 | $880,000 | $95,000 | $484,000 |
| Employment History | 40 | $15,111,000 | $377,000 | $1,106,000 | $165,000 | $420,000 |
| Debt-To-Income Ratio | 17 | $7,281,000 | $428,000 | $1,373,000 | $173,000 | $1,079,000 |
| Credit Application Incomplete | 15 | $6,862,000 | $457,000 | $976,000 | $83,000 | $219,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,046,000 | $341,000 | $660,000 | $44,000 | $111,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nationsfirst Lending, Inc.'s 2006 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 Nationsfirst Lending, 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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with aggregated HMDA statistics today.
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