Nationsfirst Lending, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Nationsfirst Lending, Inc 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2005 2004 |
| Total Number of Mortgage Applications | 4,507 |
| Total Mortgage Loan Application Amount | $1,460,720,000 |
| Average Mortgage Loan Application Amount | $280,896 |
| Highest Mortgage Loan Application Amount | $5,650,000 |
| Average Applicant Income | $126,000 |
| Highest Applicant Income | $5,173,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Nationsfirst Lending, Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Nationsfirst Lending, Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Nationsfirst Lending, Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Nationsfirst Lending, Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Nationsfirst Lending, Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Nationsfirst Lending, Inc's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 984 | $ 331,282,000 | $ 336,000 | $ 124,000 |
| Orange County California | 710 | $ 331,928,000 | $ 467,000 | $ 169,000 |
| Riverside County California | 560 | $ 151,723,000 | $ 270,000 | $ 108,000 |
| San Bernardino County California | 548 | $ 122,663,000 | $ 223,000 | $ 88,000 |
| Sacramento County California | 192 | $ 49,798,000 | $ 259,000 | $ 111,000 |
| Contra Costa County California | 130 | $ 51,469,000 | $ 395,000 | $ 151,000 |
| Kern County California | 129 | $ 21,568,000 | $ 167,000 | $ 79,000 |
| San Diego County California | 112 | $ 48,559,000 | $ 433,000 | $ 172,000 |
| Alameda County California | 89 | $ 37,241,000 | $ 418,000 | $ 125,000 |
| San Joaquin County California | 75 | $ 22,787,000 | $ 303,000 | $ 106,000 |
| Solano County California | 62 | $ 20,871,000 | $ 336,000 | $ 144,000 |
| Santa Clara County California | 53 | $ 23,100,000 | $ 435,000 | $ 168,000 |
| Broward County Florida | 48 | $ 15,172,000 | $ 316,000 | $ 129,000 |
| Clark County Nevada | 45 | $ 13,224,000 | $ 293,000 | $ 175,000 |
| San Mateo County California | 43 | $ 22,722,000 | $ 528,000 | $ 176,000 |
| Stanislaus County California | 35 | $ 9,548,000 | $ 272,000 | $ 98,000 |
| Maricopa County Arizona | 33 | $ 6,925,000 | $ 209,000 | $ 118,000 |
| Ventura County California | 31 | $ 14,542,000 | $ 469,000 | $ 123,000 |
| Tulare County California | 30 | $ 5,122,000 | $ 170,000 | $ 106,000 |
| Fresno County California | 29 | $ 5,921,000 | $ 204,000 | $ 92,000 |
| Miami-Dade County Florida | 27 | $ 6,598,000 | $ 244,000 | $ 144,000 |
| Merced County California | 20 | $ 4,903,000 | $ 245,000 | $ 116,000 |
| King County Washington | 20 | $ 8,561,000 | $ 428,000 | $ 164,000 |
| Pierce County Washington | 20 | $ 3,476,000 | $ 173,000 | $ 89,000 |
| El Dorado County California | 19 | $ 6,579,000 | $ 346,000 | $ 129,000 |
| Monterey County California | 15 | $ 9,633,000 | $ 642,000 | $ 176,000 |
| Placer County California | 15 | $ 5,200,000 | $ 346,000 | $ 140,000 |
| Yolo County California | 15 | $ 3,376,000 | $ 225,000 | $ 110,000 |
| Palm Beach County Florida | 14 | $ 3,410,000 | $ 243,000 | $ 93,000 |
| Lee County Florida | 13 | $ 2,848,000 | $ 219,000 | $ 92,000 |
| Sonoma County California | 12 | $ 4,990,000 | $ 415,000 | $ 150,000 |
| Hillsborough County Florida | 12 | $ 2,207,000 | $ 183,000 | $ 104,000 |
| Kings County California | 11 | $ 2,037,000 | $ 185,000 | $ 66,000 |
| Duval County Florida | 11 | $ 1,848,000 | $ 168,000 | $ 101,000 |
| Orange County Florida | 11 | $ 2,258,000 | $ 205,000 | $ 116,000 |
| San Francisco County California | 10 | $ 5,560,000 | $ 556,000 | $ 122,000 |
| Yuba County California | 10 | $ 1,820,000 | $ 182,000 | $ 66,000 |
| Santa Barbara County California | 9 | $ 4,442,000 | $ 493,000 | $ 244,000 |
| Pinellas County Florida | 9 | $ 1,231,000 | $ 136,000 | $ 83,000 |
| Marin County California | 8 | $ 3,794,000 | $ 474,000 | $ 201,000 |
| Collier County Florida | 7 | $ 1,593,000 | $ 227,000 | $ 148,000 |
| Marion County Florida | 7 | $ 1,419,000 | $ 202,000 | $ 79,000 |
| Polk County Florida | 7 | $ 829,000 | $ 118,000 | $ 76,000 |
| Seminole County Florida | 7 | $ 1,381,000 | $ 197,000 | $ 88,000 |
| Prince George's County Maryland | 7 | $ 2,170,000 | $ 310,000 | $ 92,000 |
| Imperial County California | 6 | $ 1,279,000 | $ 213,000 | $ 85,000 |
| Brevard County Florida | 6 | $ 1,307,000 | $ 217,000 | $ 62,000 |
| Pasco County Florida | 6 | $ 960,000 | $ 160,000 | $ 85,000 |
| Sarasota County Florida | 6 | $ 1,061,000 | $ 176,000 | $ 90,000 |
| Volusia County Florida | 6 | $ 893,000 | $ 148,000 | $ 132,000 |
| Clark County Washington | 6 | $ 1,293,000 | $ 215,000 | $ 84,000 |
| Thurston County Washington | 6 | $ 951,000 | $ 158,000 | $ 82,000 |
| Butte County California | 5 | $ 886,000 | $ 177,000 | $ 79,000 |
| Napa County California | 5 | $ 1,928,000 | $ 385,000 | $ 101,000 |
| San Luis Obispo County California | 5 | $ 2,243,000 | $ 448,000 | $ 186,000 |
| Shasta County California | 5 | $ 710,000 | $ 142,000 | $ 61,000 |
| El Paso County Colorado | 5 | $ 1,012,000 | $ 202,000 | $ 114,000 |
| Charlotte County Florida | 5 | $ 1,148,000 | $ 229,000 | $ 125,000 |
| Carroll County Maryland | 5 | $ 956,000 | $ 191,000 | $ 53,000 |
| Charles County Maryland | 5 | $ 1,852,000 | $ 370,000 | $ 107,000 |
| Montgomery County Maryland | 5 | $ 2,005,000 | $ 401,000 | $ 187,000 |
| Washoe County Nevada | 5 | $ 978,000 | $ 195,000 | $ 49,000 |
| Anchorage County Alaska | 4 | $ 886,000 | $ 221,000 | $ 143,000 |
| Pinal County Arizona | 4 | $ 1,003,000 | $ 250,000 | $ 152,000 |
| San Benito County California | 4 | $ 2,001,000 | $ 500,000 | $ 155,000 |
| Citrus County Florida | 4 | $ 1,009,000 | $ 252,000 | $ 154,000 |
| Flagler County Florida | 4 | $ 1,165,000 | $ 291,000 | $ 110,000 |
| Manatee County Florida | 4 | $ 897,000 | $ 224,000 | $ 94,000 |
| Hawaii County Hawaii | 4 | $ 1,554,000 | $ 388,000 | $ 204,000 |
| Baltimore County Maryland | 4 | $ 1,029,000 | $ 257,000 | $ 73,000 |
| Baltimore City County Maryland | 4 | $ 851,000 | $ 212,000 | $ 152,000 |
| Hamilton County Tennessee | 4 | $ 505,000 | $ 126,000 | $ 0 |
| Spokane County Washington | 4 | $ 510,000 | $ 127,000 | $ 109,000 |
| Mohave County Arizona | 3 | $ 475,000 | $ 158,000 | $ 84,000 |
| Pima County Arizona | 3 | $ 523,000 | $ 174,000 | $ 83,000 |
| Calaveras County California | 3 | $ 1,061,000 | $ 353,000 | $ 102,000 |
| Madera County California | 3 | $ 483,000 | $ 161,000 | $ 38,000 |
| Santa Cruz County California | 3 | $ 1,290,000 | $ 430,000 | $ 112,000 |
| Sutter County California | 3 | $ 669,000 | $ 223,000 | $ 109,000 |
| Clay County Florida | 3 | $ 269,000 | $ 89,000 | $ 87,000 |
| St. Lucie County Florida | 3 | $ 630,000 | $ 210,000 | $ 91,000 |
| Yavapai County Arizona | 2 | $ 532,000 | $ 266,000 | $ 655,000 |
| Lake County California | 2 | $ 459,000 | $ 229,000 | $ 15,000 |
| Tehama County California | 2 | $ 331,000 | $ 165,000 | $ 54,000 |
| Jefferson County Colorado | 2 | $ 339,000 | $ 169,000 | $ 99,000 |
| Bay County Florida | 2 | $ 197,000 | $ 98,000 | $ 135,000 |
| Escambia County Florida | 2 | $ 384,000 | $ 192,000 | $ 138,000 |
| Highlands County Florida | 2 | $ 311,000 | $ 155,000 | $ 60,000 |
| Indian River County Florida | 2 | $ 267,000 | $ 133,000 | $ 36,000 |
| Lake County Florida | 2 | $ 600,000 | $ 300,000 | $ 127,000 |
| Osceola County Florida | 2 | $ 266,000 | $ 133,000 | $ 44,000 |
| Santa Rosa County Florida | 2 | $ 715,000 | $ 357,000 | $ 98,000 |
| St. Johns County Florida | 2 | $ 248,000 | $ 124,000 | $ 117,000 |
| Sumter County Florida | 2 | $ 327,000 | $ 163,000 | $ 77,000 |
| Honolulu County Hawaii | 2 | $ 409,000 | $ 204,000 | $ 132,000 |
| Wasatch County Utah | 2 | $ 876,000 | $ 438,000 | $ 229,000 |
| Stafford County Virginia | 2 | $ 515,000 | $ 257,000 | $ 48,000 |
| Cowlitz County Washington | 2 | $ 209,000 | $ 104,000 | $ 70,000 |
| Kitsap County Washington | 2 | $ 344,000 | $ 172,000 | $ 147,000 |
| Snohomish County Washington | 2 | $ 220,000 | $ 110,000 | $ 150,000 |
| Stevens County Washington | 2 | $ 260,000 | $ 130,000 | $ 52,000 |
| Whatcom County Washington | 2 | $ 696,000 | $ 348,000 | $ 111,000 |
| Kenai Peninsula County Alaska | 1 | $ 188,000 | $ 188,000 | $ 112,000 |
| Amador County California | 1 | $ 926,000 | $ 926,000 | $ 208,000 |
| Colusa County California | 1 | $ 83,000 | $ 83,000 | $ 57,000 |
| Humboldt County California | 1 | $ 146,000 | $ 146,000 | $ 60,000 |
| Lassen County California | 1 | $ 385,000 | $ 385,000 | $ 130,000 |
| Mendocino County California | 1 | $ 300,000 | $ 300,000 | $ 100,000 |
| Nevada County California | 1 | $ 293,000 | $ 293,000 | $ 98,000 |
| Siskiyou County California | 1 | $ 348,000 | $ 348,000 | $ 215,000 |
| Trinity County California | 1 | $ 158,000 | $ 158,000 | $ 42,000 |
| Tuolumne County California | 1 | $ 73,000 | $ 73,000 | $ 126,000 |
| Boulder County Colorado | 1 | $ 194,000 | $ 194,000 | $ 78,000 |
| Broomfield County Colorado | 1 | $ 328,000 | $ 328,000 | $ 80,000 |
| Chaffee County Colorado | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Denver County Colorado | 1 | $ 200,000 | $ 200,000 | $ 228,000 |
| Douglas County Colorado | 1 | $ 323,000 | $ 323,000 | $ 240,000 |
| Eagle County Colorado | 1 | $ 261,000 | $ 261,000 | $ 74,000 |
| Pueblo County Colorado | 1 | $ 97,000 | $ 97,000 | $ 57,000 |
| San Miguel County Colorado | 1 | $ 1,551,000 | $ 1,551,000 | $ 440,000 |
| Weld County Colorado | 1 | $ 1,700,000 | $ 1,700,000 | $ 270,000 |
| Gadsden County Florida | 1 | $ 50,000 | $ 50,000 | $ 16,000 |
| Leon County Florida | 1 | $ 123,000 | $ 123,000 | $ 117,000 |
| Martin County Florida | 1 | $ 192,000 | $ 192,000 | $ 159,000 |
| Nassau County Florida | 1 | $ 380,000 | $ 380,000 | $ 114,000 |
| Okaloosa County Florida | 1 | $ 226,000 | $ 226,000 | $ 76,000 |
| Okeechobee County Florida | 1 | $ 180,000 | $ 180,000 | $ 107,000 |
| Suwannee County Florida | 1 | $ 121,000 | $ 121,000 | $ 96,000 |
| Wakulla County Florida | 1 | $ 162,000 | $ 162,000 | $ 74,000 |
| Maui County Hawaii | 1 | $ 146,000 | $ 146,000 | $ 146,000 |
| Cook County Illinois | 1 | $ 220,000 | $ 220,000 | $ 62,000 |
| McHenry County Illinois | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Johnson County Indiana | 1 | $ 1,360,000 | $ 1,360,000 | $ 400,000 |
| Anne Arundel County Maryland | 1 | $ 123,000 | $ 123,000 | $ 25,000 |
| Dorchester County Maryland | 1 | $ 342,000 | $ 342,000 | $ 72,000 |
| Frederick County Maryland | 1 | $ 276,000 | $ 276,000 | $ 79,000 |
| Howard County Maryland | 1 | $ 374,000 | $ 374,000 | $ 75,000 |
| Schuyler County Missouri | 1 | $ 56,000 | $ 56,000 | $ 23,000 |
| Lyon County Nevada | 1 | $ 292,000 | $ 292,000 | $ 91,000 |
| Nye County Nevada | 1 | $ 228,000 | $ 228,000 | $ 72,000 |
| Stark County Ohio | 1 | $ 130,000 | $ 130,000 | $ 61,000 |
| Deschutes County Oregon | 1 | $ 180,000 | $ 180,000 | $ 91,000 |
| Josephine County Oregon | 1 | $ 192,000 | $ 192,000 | $ 76,000 |
| Linn County Oregon | 1 | $ 138,000 | $ 138,000 | $ 48,000 |
| Marion County Oregon | 1 | $ 612,000 | $ 612,000 | $ 156,000 |
| Rhea County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Weber County Utah | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Alexandria County Virginia | 1 | $ 292,000 | $ 292,000 | $ 203,000 |
| Chesterfield County Virginia | 1 | $ 248,000 | $ 248,000 | $ 58,000 |
| Prince William County Virginia | 1 | $ 275,000 | $ 275,000 | $ 146,000 |
| Douglas County Washington | 1 | $ 280,000 | $ 280,000 | $ 60,000 |
| Yakima County Washington | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Nationsfirst Lending, 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 | 2,704 | $931,100,000 | $265,375 | $5,650,000 | $112,250 | $2,894,000 |
| Home Purchase | 1,803 | $529,620,000 | $300,000 | $3,250,000 | $142,923 | $5,173,000 |
| 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 | 1,628 | $448,547,000 | $307,666 | $1,500,000 | $125,555 | $1,323,000 |
| Not Provided | 1,274 | $443,474,000 | $295,166 | $5,650,000 | $115,500 | $2,894,000 |
| White | 932 | $345,844,000 | $299,750 | $3,800,000 | $131,312 | $5,173,000 |
| Black or African American | 324 | $92,141,000 | $213,000 | $1,200,000 | $124,142 | $2,863,000 |
| Asian | 285 | $107,332,000 | $321,800 | $2,135,000 | $172,000 | $589,000 |
| Native Hawaiian or Other Pacific Islander | 54 | $20,145,000 | $248,000 | $719,000 | $72,000 | $420,000 |
| American Indian or Alaskan Native | 10 | $3,237,000 | $231,500 | $743,000 | $79,000 | $182,000 |
| 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) | 4,507 | $1,460,720,000 | $307,235 | $5,650,000 | $124,764 | $5,173,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,898 | $590,999,000 | $256,800 | $2,580,000 | $132,300 | $5,173,000 |
| Application Approved But Not Accepted | 1,416 | $455,304,000 | $265,900 | $5,650,000 | $109,900 | $2,400,000 |
| Application Denied By Financial Institution | 1,192 | $414,243,000 | $326,352 | $5,400,000 | $132,705 | $2,894,000 |
| Application Withdrawn By Applicant | 1 | $174,000 | $174,000 | $174,000 | $0 | $0 |
| 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 | 424 | $142,146,000 | $355,818 | $2,600,000 | $130,545 | $804,000 |
| Other | 272 | $82,980,000 | $234,083 | $3,500,000 | $110,666 | $2,894,000 |
| Unverifiable Information | 130 | $47,771,000 | $564,000 | $3,250,000 | $197,400 | $1,051,000 |
| Debt-To-Income Ratio | 108 | $45,695,000 | $347,428 | $5,400,000 | $133,857 | $1,104,000 |
| Collateral | 82 | $29,780,000 | $284,666 | $1,500,000 | $146,000 | $863,000 |
| Employment History | 78 | $24,977,000 | $234,500 | $800,000 | $72,666 | $360,000 |
| Credit Application Incomplete | 66 | $23,970,000 | $184,000 | $1,500,000 | $117,600 | $948,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $15,421,000 | $719,400 | $2,592,000 | $198,600 | $739,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nationsfirst Lending, 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 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.