Nbank, N.A. Mortgage Lending & HMDA Data, 2006

In 2006, Nbank, N.A. of Commerce, GA reported 4,105 mortgage applications totaling $765.2 million, down 75% from 2005. The average application was for $186,403, and applicants reported an average income of $80,311. 52% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (325), Sacramento--Arden-Arcade--Roseville, CA (222) and New Orleans-Metairie-Kenner, LA (174) (applications in parentheses).

Mortgage Company & Address Nbank, N.A.
1731 North Elm Street
Commerce, GA 30529
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 4,105
Total Mortgage Loan Application Amount $765,188,000
Average Mortgage Loan Application Amount $186,403
Highest Mortgage Loan Application Amount $1,360,000
Average Applicant Income $80,311
Highest Applicant Income $965,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nbank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Nbank, N.A. by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sacramento, California 154 $ 42,820,000 $ 278,051 $ 89,000
Hennepin, Minnesota 110 $ 24,627,000 $ 223,881 $ 100,000
Montgomery, Tennessee 88 $ 11,607,000 $ 131,897 $ 54,000
Jefferson, Louisiana 87 $ 13,425,000 $ 154,310 $ 71,000
Wayne, Michigan 87 $ 10,448,000 $ 120,091 $ 61,000
Davidson, Tennessee 67 $ 9,160,000 $ 136,716 $ 71,000
Los Angeles, California 66 $ 24,721,000 $ 374,560 $ 115,000
Jackson, Georgia 66 $ 8,869,000 $ 134,378 $ 57,000
San Joaquin, California 53 $ 16,238,000 $ 306,377 $ 92,000
Macomb, Michigan 53 $ 9,648,000 $ 182,037 $ 65,000
Montgomery, Ohio 52 $ 5,434,000 $ 104,500 $ 46,000
New Castle, Delaware 47 $ 7,895,000 $ 167,978 $ 78,000
Sumner, Tennessee 47 $ 7,504,000 $ 159,659 $ 73,000
Polk, Iowa 45 $ 7,214,000 $ 160,311 $ 73,000
Duval, Florida 44 $ 6,672,000 $ 151,636 $ 87,000
St. Tammany, Louisiana 44 $ 7,622,000 $ 173,227 $ 85,000
Washington, Minnesota 41 $ 10,060,000 $ 245,365 $ 89,000
Anchorage, Alaska 39 $ 10,633,000 $ 272,641 $ 117,000
Prince George's, Maryland 38 $ 9,359,000 $ 246,289 $ 74,000
Oakland, Michigan 38 $ 9,209,000 $ 242,342 $ 110,000
Denver, Colorado 37 $ 6,322,000 $ 170,864 $ 71,000
Santa Clara, California 34 $ 14,452,000 $ 425,058 $ 171,000
Ramsey, Minnesota 34 $ 5,841,000 $ 171,794 $ 61,000
Bergen, New Jersey 33 $ 9,646,000 $ 292,303 $ 138,000
Anoka, Minnesota 32 $ 5,648,000 $ 176,500 $ 86,000
Arapahoe, Colorado 31 $ 4,248,000 $ 137,032 $ 66,000
Baltimore City, Maryland 31 $ 4,613,000 $ 148,806 $ 94,000
Montgomery, Alabama 30 $ 2,667,000 $ 88,900 $ 32,000
Adams, Colorado 30 $ 4,287,000 $ 142,900 $ 68,000
Alameda, California 29 $ 10,998,000 $ 379,241 $ 119,000
Dakota, Minnesota 29 $ 6,947,000 $ 239,551 $ 97,000
Yolo, California 27 $ 8,669,000 $ 321,074 $ 106,000
Placer, California 26 $ 8,870,000 $ 341,153 $ 133,000
Jefferson, Colorado 25 $ 5,391,000 $ 215,640 $ 82,000
Lucas, Ohio 25 $ 2,960,000 $ 118,400 $ 75,000
Bossier, Louisiana 24 $ 2,771,000 $ 115,458 $ 58,000
Hamilton, Ohio 24 $ 2,960,000 $ 123,333 $ 66,000
Lowndes, Georgia 23 $ 3,129,000 $ 136,043 $ 53,000
Scott, Minnesota 23 $ 5,141,000 $ 223,521 $ 92,000
Salt Lake, Utah 23 $ 3,645,000 $ 158,478 $ 72,000
Stanislaus, California 22 $ 6,389,000 $ 290,409 $ 108,000
Marion, Indiana 22 $ 2,243,000 $ 101,954 $ 74,000
Anne Arundel, Maryland 22 $ 5,104,000 $ 232,000 $ 68,000
Baltimore, Maryland 22 $ 4,232,000 $ 192,363 $ 84,000
District of Columbia, District Of Columbia 20 $ 4,417,000 $ 220,850 $ 90,000
Davis, Utah 20 $ 5,476,000 $ 273,800 $ 113,000
Sussex, Delaware 19 $ 5,599,000 $ 294,684 $ 98,000
Caddo, Louisiana 19 $ 1,965,000 $ 103,421 $ 39,000
Harrison, Mississippi 19 $ 1,844,000 $ 97,052 $ 51,000
St. Charles, Louisiana 18 $ 2,616,000 $ 145,333 $ 63,000
Franklin, Ohio 18 $ 1,442,000 $ 80,111 $ 45,000
Lafourche, Louisiana 17 $ 1,992,000 $ 117,176 $ 58,000
Orleans, Louisiana 16 $ 2,750,000 $ 171,875 $ 78,000
El Dorado, California 15 $ 4,369,000 $ 291,266 $ 102,000
Boulder, Colorado 15 $ 2,860,000 $ 190,666 $ 106,000
Clay, Florida 15 $ 1,841,000 $ 122,733 $ 82,000
Okaloosa, Florida 15 $ 3,905,000 $ 260,333 $ 117,000
Butler, Ohio 15 $ 1,841,000 $ 122,733 $ 53,000
Contra Costa, California 14 $ 7,070,000 $ 505,000 $ 220,000
Gwinnett, Georgia 14 $ 1,767,000 $ 126,214 $ 65,000
Cass, North Dakota 14 $ 1,635,000 $ 116,785 $ 62,000
Miami, Ohio 14 $ 1,564,000 $ 111,714 $ 48,000
Robertson, Tennessee 14 $ 1,823,000 $ 130,214 $ 53,000
Jefferson, Alabama 13 $ 1,642,000 $ 126,307 $ 75,000
Orange, Florida 13 $ 3,540,000 $ 272,307 $ 148,000
Hamilton, Indiana 13 $ 1,821,000 $ 140,076 $ 64,000
Kenton, Kentucky 13 $ 1,658,000 $ 127,538 $ 57,000
East Baton Rouge, Louisiana 13 $ 1,358,000 $ 104,461 $ 75,000
Clermont, Ohio 13 $ 1,738,000 $ 133,692 $ 91,000
York, Pennsylvania 13 $ 1,736,000 $ 133,538 $ 45,000
Merced, California 12 $ 2,448,000 $ 204,000 $ 102,000
Orange, California 12 $ 5,165,000 $ 430,416 $ 122,000
Hancock, Mississippi 12 $ 1,311,000 $ 109,250 $ 69,000
Burlington, New Jersey 12 $ 2,801,000 $ 233,416 $ 79,000
Rutherford, Tennessee 12 $ 1,763,000 $ 146,916 $ 53,000
Madison, Alabama 11 $ 1,625,000 $ 147,727 $ 94,000
San Bernardino, California 11 $ 3,663,000 $ 333,000 $ 129,000
Solano, California 11 $ 2,570,000 $ 233,636 $ 101,000
Volusia, Florida 11 $ 2,082,000 $ 189,272 $ 77,000
Ada, Idaho 11 $ 2,463,000 $ 223,909 $ 108,000
Vernon, Louisiana 11 $ 1,380,000 $ 125,454 $ 74,000
Wright, Minnesota 11 $ 2,381,000 $ 216,454 $ 99,000
Ocean, New Jersey 11 $ 3,033,000 $ 275,727 $ 87,000
Wayne, North Carolina 11 $ 1,228,000 $ 111,636 $ 34,000
Spokane, Washington 11 $ 1,866,000 $ 169,636 $ 54,000
Baldwin, Alabama 10 $ 2,451,000 $ 245,100 $ 113,000
DeKalb, Georgia 10 $ 1,360,000 $ 136,000 $ 66,000
Dearborn, Indiana 10 $ 1,119,000 $ 111,900 $ 60,000
Dallas, Iowa 10 $ 1,260,000 $ 126,000 $ 59,000
Boyle, Kentucky 10 $ 963,000 $ 96,300 $ 57,000
Trigg, Kentucky 10 $ 1,305,000 $ 130,500 $ 67,000
Carver, Minnesota 10 $ 2,725,000 $ 272,500 $ 116,000
Clay, Minnesota 10 $ 1,088,000 $ 108,800 $ 46,000
Butte, California 9 $ 1,844,000 $ 204,888 $ 128,000
Kent, Delaware 9 $ 2,034,000 $ 226,000 $ 68,000
Banks, Georgia 9 $ 1,435,000 $ 159,444 $ 50,000
Cobb, Georgia 9 $ 1,218,000 $ 135,333 $ 70,000
Fulton, Georgia 9 $ 861,000 $ 95,666 $ 68,000
Charles, Maryland 9 $ 2,536,000 $ 281,777 $ 108,000
Kent, Michigan 9 $ 744,000 $ 82,666 $ 55,000
Monroe, Michigan 9 $ 1,152,000 $ 128,000 $ 75,000
St. Clair, Michigan 9 $ 1,451,000 $ 161,222 $ 83,000
Chisago, Minnesota 9 $ 1,433,000 $ 159,222 $ 71,000
Rice, Minnesota 9 $ 2,058,000 $ 228,666 $ 99,000
Sherburne, Minnesota 9 $ 1,995,000 $ 221,666 $ 89,000
Chester, Pennsylvania 9 $ 1,564,000 $ 173,777 $ 92,000
Shelby, Tennessee 9 $ 797,000 $ 88,555 $ 85,000
Fresno, California 8 $ 1,686,000 $ 210,750 $ 89,000
Sutter, California 8 $ 1,856,000 $ 232,000 $ 95,000
Bartow, Georgia 8 $ 1,373,000 $ 171,625 $ 61,000
Cherokee, Georgia 8 $ 1,305,000 $ 163,125 $ 69,000
Madison, Georgia 8 $ 311,000 $ 38,875 $ 27,000
Canyon, Idaho 8 $ 861,000 $ 107,625 $ 73,000
Cook, Illinois 8 $ 1,618,000 $ 202,250 $ 83,000
Calcasieu, Louisiana 8 $ 850,000 $ 106,250 $ 95,000
St. John the Baptist, Louisiana 8 $ 1,060,000 $ 132,500 $ 49,000
Genesee, Michigan 8 $ 1,302,000 $ 162,750 $ 76,000
Crow Wing, Minnesota 8 $ 1,684,000 $ 210,500 $ 91,000
Isanti, Minnesota 8 $ 1,729,000 $ 216,125 $ 77,000
Monroe, Pennsylvania 8 $ 1,160,000 $ 145,000 $ 65,000
Montgomery, Pennsylvania 8 $ 2,444,000 $ 305,500 $ 112,000
Wilson, Tennessee 8 $ 916,000 $ 114,500 $ 48,000
Riverside, California 7 $ 2,593,000 $ 370,428 $ 163,000
Yuba, California 7 $ 2,084,000 $ 297,714 $ 99,000
Broward, Florida 7 $ 1,350,000 $ 192,857 $ 140,000
Miami-Dade, Florida 7 $ 2,141,000 $ 305,857 $ 196,000
Santa Rosa, Florida 7 $ 1,367,000 $ 195,285 $ 100,000
Carroll, Georgia 7 $ 986,000 $ 140,857 $ 53,000
Stephens, Georgia 7 $ 770,000 $ 110,000 $ 51,000
Delaware, Indiana 7 $ 706,000 $ 100,857 $ 46,000
Grant, Indiana 7 $ 455,000 $ 65,000 $ 43,000
Tipton, Indiana 7 $ 573,000 $ 81,857 $ 60,000
Beauregard, Louisiana 7 $ 724,000 $ 103,428 $ 59,000
Montgomery, Maryland 7 $ 2,548,000 $ 364,000 $ 105,000
Lenawee, Michigan 7 $ 782,000 $ 111,714 $ 59,000
Livingston, Michigan 7 $ 1,797,000 $ 256,714 $ 115,000
Le Sueur, Minnesota 7 $ 671,000 $ 95,857 $ 57,000
Rock, Minnesota 7 $ 710,000 $ 101,428 $ 59,000
St. Louis, Missouri 7 $ 1,563,000 $ 223,285 $ 91,000
Wood, Ohio 7 $ 685,000 $ 97,857 $ 49,000
Philadelphia, Pennsylvania 7 $ 765,000 $ 109,285 $ 48,000
Cheatham, Tennessee 7 $ 805,000 $ 115,000 $ 46,000
Utah, Utah 7 $ 2,227,000 $ 318,142 $ 139,000
Washington, Utah 7 $ 1,108,000 $ 158,285 $ 212,000
Weber, Utah 7 $ 1,177,000 $ 168,142 $ 70,000
St. Croix, Wisconsin 7 $ 1,504,000 $ 214,857 $ 92,000
Autauga, Alabama 6 $ 889,000 $ 148,166 $ 72,000
Weld, Colorado 6 $ 793,000 $ 132,166 $ 57,000
Hillsborough, Florida 6 $ 760,000 $ 126,666 $ 62,000
St. Johns, Florida 6 $ 1,444,000 $ 240,666 $ 81,000
Barrow, Georgia 6 $ 695,000 $ 115,833 $ 43,000
Clarke, Georgia 6 $ 964,000 $ 160,666 $ 78,000
Fayette, Kentucky 6 $ 862,000 $ 143,666 $ 57,000
Calvert, Maryland 6 $ 1,878,000 $ 313,000 $ 107,000
Ingham, Michigan 6 $ 453,000 $ 75,500 $ 49,000
Mille Lacs, Minnesota 6 $ 953,000 $ 158,833 $ 71,000
Clark, Nevada 6 $ 1,487,000 $ 247,833 $ 96,000
Camden, New Jersey 6 $ 908,000 $ 151,333 $ 96,000
Bowman, North Dakota 6 $ 508,000 $ 84,666 $ 46,000
Stutsman, North Dakota 6 $ 677,000 $ 112,833 $ 62,000
Sandusky, Ohio 6 $ 735,000 $ 122,500 $ 46,000
Crook, Oregon 6 $ 875,000 $ 145,833 $ 53,000
Allegheny, Pennsylvania 6 $ 797,000 $ 132,833 $ 117,000
Greenville, South Carolina 6 $ 527,000 $ 87,833 $ 43,000
Trousdale, Tennessee 6 $ 586,000 $ 97,666 $ 45,000
King, Washington 6 $ 2,381,000 $ 396,833 $ 77,000
Russell, Alabama 5 $ 483,000 $ 96,600 $ 49,000
Kern, California 5 $ 901,000 $ 180,200 $ 64,000
Kings, California 5 $ 680,000 $ 136,000 $ 42,000
Nevada, California 5 $ 1,907,000 $ 381,400 $ 167,000
San Francisco, California 5 $ 3,013,000 $ 602,600 $ 197,000
Santa Cruz, California 5 $ 2,116,000 $ 423,200 $ 110,000
Tehama, California 5 $ 820,000 $ 164,000 $ 61,000
Larimer, Colorado 5 $ 720,000 $ 144,000 $ 80,000
Osceola, Florida 5 $ 1,155,000 $ 231,000 $ 122,000
Hart, Georgia 5 $ 625,000 $ 125,000 $ 73,000
DuPage, Illinois 5 $ 827,000 $ 165,400 $ 81,000
Ripley, Indiana 5 $ 633,000 $ 126,600 $ 70,000
Story, Iowa 5 $ 702,000 $ 140,400 $ 50,000
Christian, Kentucky 5 $ 585,000 $ 117,000 $ 45,000
Sabine, Louisiana 5 $ 445,000 $ 89,000 $ 55,000
Webster, Louisiana 5 $ 479,000 $ 95,800 $ 49,000
Harford, Maryland 5 $ 1,439,000 $ 287,800 $ 93,000
Howard, Maryland 5 $ 1,230,000 $ 246,000 $ 68,000
Washtenaw, Michigan 5 $ 1,574,000 $ 314,800 $ 111,000
Atlantic, New Jersey 5 $ 1,042,000 $ 208,400 $ 84,000
Gloucester, New Jersey 5 $ 657,000 $ 131,400 $ 97,000
Hudson, New Jersey 5 $ 1,128,000 $ 225,600 $ 101,000
Passaic, New Jersey 5 $ 965,000 $ 193,000 $ 58,000
Mecklenburg, North Carolina 5 $ 826,000 $ 165,200 $ 52,000
Ottawa, Ohio 5 $ 611,000 $ 122,200 $ 51,000
Elmore, Alabama 4 $ 486,000 $ 121,500 $ 52,000
Lee, Alabama 4 $ 382,000 $ 95,500 $ 27,000
Limestone, Alabama 4 $ 409,000 $ 102,250 $ 80,000
Morgan, Alabama 4 $ 337,000 $ 84,250 $ 53,000
Maricopa, Arizona 4 $ 825,000 $ 206,250 $ 127,000
Calaveras, California 4 $ 575,000 $ 143,750 $ 108,000
Napa, California 4 $ 1,450,000 $ 362,500 $ 121,000
San Mateo, California 4 $ 2,365,000 $ 591,250 $ 84,000
Park, Colorado 4 $ 521,000 $ 130,250 $ 105,000
Palm Beach, Florida 4 $ 1,028,000 $ 257,000 $ 112,000
Seminole, Florida 4 $ 734,000 $ 183,500 $ 76,000
Walton, Florida 4 $ 1,904,000 $ 476,000 $ 296,000
Bibb, Georgia 4 $ 293,000 $ 73,250 $ 50,000
Gilmer, Georgia 4 $ 346,000 $ 86,500 $ 22,000
Oconee, Georgia 4 $ 650,000 $ 162,500 $ 67,000
Lawrence, Indiana 4 $ 279,000 $ 69,750 $ 24,000
St. Joseph, Indiana 4 $ 299,000 $ 74,750 $ 36,000
Jefferson, Kentucky 4 $ 514,000 $ 128,500 $ 46,000
Ascension, Louisiana 4 $ 880,000 $ 220,000 $ 67,000
De Soto, Louisiana 4 $ 370,000 $ 92,500 $ 52,000
Lafayette, Louisiana 4 $ 683,000 $ 170,750 $ 113,000
Terrebonne, Louisiana 4 $ 399,000 $ 99,750 $ 56,000
Cecil, Maryland 4 $ 825,000 $ 206,250 $ 75,000
Hillsdale, Michigan 4 $ 462,000 $ 115,500 $ 51,000
Goodhue, Minnesota 4 $ 668,000 $ 167,000 $ 47,000
Hubbard, Minnesota 4 $ 876,000 $ 219,000 $ 116,000
Mower, Minnesota 4 $ 295,000 $ 73,750 $ 67,000
Pearl River, Mississippi 4 $ 665,000 $ 166,250 $ 46,000
Lyon, Nevada 4 $ 1,052,000 $ 263,000 $ 207,000
Washoe, Nevada 4 $ 2,940,000 $ 735,000 $ 399,000
Mercer, New Jersey 4 $ 661,000 $ 165,250 $ 55,000
Kings, New York 4 $ 1,672,000 $ 418,000 $ 113,000
Queens, New York 4 $ 1,473,000 $ 368,250 $ 73,000
Duplin, North Carolina 4 $ 619,000 $ 154,750 $ 60,000
Auglaize, Ohio 4 $ 388,000 $ 97,000 $ 31,000
Clark, Ohio 4 $ 260,000 $ 65,000 $ 34,000
Darke, Ohio 4 $ 487,000 $ 121,750 $ 44,000
Greene, Ohio 4 $ 567,000 $ 141,750 $ 62,000
Licking, Ohio 4 $ 446,000 $ 111,500 $ 32,000
Cumberland, Pennsylvania 4 $ 643,000 $ 160,750 $ 73,000
Lehigh, Pennsylvania 4 $ 775,000 $ 193,750 $ 69,000
Northampton, Pennsylvania 4 $ 670,000 $ 167,500 $ 265,000
Spartanburg, South Carolina 4 $ 320,000 $ 80,000 $ 39,000
Knox, Tennessee 4 $ 509,000 $ 127,250 $ 44,000
Pierce, Washington 4 $ 674,000 $ 168,500 $ 183,000
Mobile, Alabama 3 $ 292,000 $ 97,333 $ 35,000
Shelby, Alabama 3 $ 424,000 $ 141,333 $ 49,000
Monterey, California 3 $ 1,495,000 $ 498,333 $ 173,000
San Diego, California 3 $ 1,344,000 $ 448,000 $ 122,000
El Paso, Colorado 3 $ 390,000 $ 130,000 $ 65,000
Garfield, Colorado 3 $ 537,000 $ 179,000 $ 72,000
Routt, Colorado 3 $ 1,053,000 $ 351,000 $ 142,000
Brevard, Florida 3 $ 466,000 $ 155,333 $ 86,000
Escambia, Florida 3 $ 1,187,000 $ 395,666 $ 315,000
Lake, Florida 3 $ 536,000 $ 178,666 $ 34,000
Lee, Florida 3 $ 1,101,000 $ 367,000 $ 33,000
Bulloch, Georgia 3 $ 419,000 $ 139,666 $ 50,000
Coweta, Georgia 3 $ 354,000 $ 118,000 $ 62,000
Fannin, Georgia 3 $ 512,000 $ 170,666 $ 155,000
Putnam, Georgia 3 $ 310,000 $ 103,333 $ 43,000
Tift, Georgia 3 $ 452,000 $ 150,666 $ 80,000
McHenry, Illinois 3 $ 375,000 $ 125,000 $ 112,000
Franklin, Indiana 3 $ 364,000 $ 121,333 $ 45,000
Hendricks, Indiana 3 $ 440,000 $ 146,666 $ 50,000
Johnson, Indiana 3 $ 593,000 $ 197,666 $ 81,000
Madison, Indiana 3 $ 253,000 $ 84,333 $ 48,000
Shelby, Indiana 3 $ 201,000 $ 67,000 $ 35,000
Vanderburgh, Indiana 3 $ 332,000 $ 110,666 $ 48,000
Wayne, Indiana 3 $ 367,000 $ 122,333 $ 101,000
Jasper, Iowa 3 $ 306,000 $ 102,000 $ 53,000
Linn, Iowa 3 $ 373,000 $ 124,333 $ 53,000
Mercer, Kentucky 3 $ 389,000 $ 129,666 $ 52,000
Pendleton, Kentucky 3 $ 263,000 $ 87,666 $ 44,000
Allen, Louisiana 3 $ 306,000 $ 102,000 $ 38,000
Ouachita, Louisiana 3 $ 260,000 $ 86,666 $ 49,000
Rapides, Louisiana 3 $ 958,000 $ 319,333 $ 364,000
St. James, Louisiana 3 $ 379,000 $ 126,333 $ 46,000
Cumberland, Maine 3 $ 684,000 $ 228,000 $ 144,000
St. Mary's, Maryland 3 $ 568,000 $ 189,333 $ 74,000
Worcester, Maryland 3 $ 374,000 $ 124,666 $ 118,000
Kalamazoo, Michigan 3 $ 416,000 $ 138,666 $ 49,000
Lapeer, Michigan 3 $ 381,000 $ 127,000 $ 39,000
Montcalm, Michigan 3 $ 337,000 $ 112,333 $ 51,000
Benton, Minnesota 3 $ 500,000 $ 166,666 $ 56,000
Brown, Minnesota 3 $ 334,000 $ 111,333 $ 67,000
Itasca, Minnesota 3 $ 506,000 $ 168,666 $ 75,000
Olmsted, Minnesota 3 $ 335,000 $ 111,666 $ 69,000
Stearns, Minnesota 3 $ 506,000 $ 168,666 $ 49,000
Todd, Minnesota 3 $ 303,000 $ 101,000 $ 72,000
Stone, Mississippi 3 $ 309,000 $ 103,000 $ 44,000
St. Charles, Missouri 3 $ 624,000 $ 208,000 $ 103,000
Douglas, Nevada 3 $ 1,247,000 $ 415,666 $ 121,000
Cape May, New Jersey 3 $ 905,000 $ 301,666 $ 143,000
Monmouth, New Jersey 3 $ 852,000 $ 284,000 $ 35,000
Richmond, New York 3 $ 975,000 $ 325,000 $ 112,000
Rockland, New York 3 $ 1,195,000 $ 398,333 $ 184,000
Suffolk, New York 3 $ 854,000 $ 284,666 $ 91,000
Lenoir, North Carolina 3 $ 289,000 $ 96,333 $ 43,000
Burleigh, North Dakota 3 $ 348,000 $ 116,000 $ 66,000
Stark, North Dakota 3 $ 293,000 $ 97,666 $ 33,000
Brown, Ohio 3 $ 166,000 $ 55,333 $ 66,000
Morrow, Ohio 3 $ 604,000 $ 201,333 $ 68,000
Preble, Ohio 3 $ 334,000 $ 111,333 $ 45,000
Summit, Ohio 3 $ 186,000 $ 62,000 $ 33,000
Union, Ohio 3 $ 362,000 $ 120,666 $ 46,000
Columbia, Pennsylvania 3 $ 262,000 $ 87,333 $ 64,000
Delaware, Pennsylvania 3 $ 855,000 $ 285,000 $ 77,000
Richland, South Carolina 3 $ 419,000 $ 139,666 $ 63,000
Maury, Tennessee 3 $ 600,000 $ 200,000 $ 67,000
Harris, Texas 3 $ 257,000 $ 85,666 $ 33,000
Burnett, Wisconsin 3 $ 387,000 $ 129,000 $ 125,000
Winnebago, Wisconsin 3 $ 391,000 $ 130,333 $ 46,000
Chambers, Alabama 2 $ 227,000 $ 113,500 $ 47,000
Dallas, Alabama 2 $ 115,000 $ 57,500 $ 22,000
Talladega, Alabama 2 $ 98,000 $ 49,000 $ 38,000
Baxter, Arkansas 2 $ 200,000 $ 100,000 $ 0
Colusa, California 2 $ 455,000 $ 227,500 $ 106,000
Madera, California 2 $ 529,000 $ 264,500 $ 282,000
Shasta, California 2 $ 683,000 $ 341,500 $ 102,000
Tulare, California 2 $ 367,000 $ 183,500 $ 77,000
Douglas, Colorado 2 $ 410,000 $ 205,000 $ 75,000
New Haven, Connecticut 2 $ 276,000 $ 138,000 $ 52,000
Bay, Florida 2 $ 317,000 $ 158,500 $ 43,000
Collier, Florida 2 $ 982,000 $ 491,000 $ 150,000
Marion, Florida 2 $ 181,000 $ 90,500 $ 23,000
Nassau, Florida 2 $ 394,000 $ 197,000 $ 57,000
Pinellas, Florida 2 $ 266,000 $ 133,000 $ 102,000
Polk, Florida 2 $ 351,000 $ 175,500 $ 70,000
Sarasota, Florida 2 $ 659,000 $ 329,500 $ 70,000
Butts, Georgia 2 $ 139,000 $ 69,500 $ 76,000
Chatham, Georgia 2 $ 318,000 $ 159,000 $ 57,000
Clayton, Georgia 2 $ 246,000 $ 123,000 $ 34,000
Cook, Georgia 2 $ 277,000 $ 138,500 $ 51,000
Elbert, Georgia 2 $ 146,000 $ 73,000 $ 27,000
Emanuel, Georgia 2 $ 150,000 $ 75,000 $ 50,000
Floyd, Georgia 2 $ 152,000 $ 76,000 $ 36,000
Glynn, Georgia 2 $ 432,000 $ 216,000 $ 205,000
Habersham, Georgia 2 $ 441,000 $ 220,500 $ 70,000
Hall, Georgia 2 $ 243,000 $ 121,500 $ 46,000
Jones, Georgia 2 $ 133,000 $ 66,500 $ 106,000
Lanier, Georgia 2 $ 198,000 $ 99,000 $ 33,000
Oglethorpe, Georgia 2 $ 260,000 $ 130,000 $ 89,000
Paulding, Georgia 2 $ 425,000 $ 212,500 $ 72,000
Pickens, Georgia 2 $ 447,000 $ 223,500 $ 67,000
Bonner, Idaho 2 $ 355,000 $ 177,500 $ 63,000
Gem, Idaho 2 $ 124,000 $ 62,000 $ 47,000
Kootenai, Idaho 2 $ 266,000 $ 133,000 $ 34,000
Will, Illinois 2 $ 414,000 $ 207,000 $ 118,000
Boone, Indiana 2 $ 306,000 $ 153,000 $ 73,000
Elkhart, Indiana 2 $ 272,000 $ 136,000 $ 43,000
Fayette, Indiana 2 $ 187,000 $ 93,500 $ 27,000
Hancock, Indiana 2 $ 127,000 $ 63,500 $ 47,000
Howard, Indiana 2 $ 114,000 $ 57,000 $ 137,000
Black Hawk, Iowa 2 $ 84,000 $ 42,000 $ 42,000
Boone, Iowa 2 $ 455,000 $ 227,500 $ 92,000
Madison, Iowa 2 $ 222,000 $ 111,000 $ 60,000
Warren, Iowa 2 $ 376,000 $ 188,000 $ 70,000
Webster, Iowa 2 $ 159,000 $ 79,500 $ 48,000
Boone, Kentucky 2 $ 197,000 $ 98,500 $ 41,000
Hopkins, Kentucky 2 $ 138,000 $ 69,000 $ 32,000
Jessamine, Kentucky 2 $ 128,000 $ 64,000 $ 31,000
Laurel, Kentucky 2 $ 196,000 $ 98,000 $ 29,000
Lincoln, Kentucky 2 $ 229,000 $ 114,500 $ 46,000
Warren, Kentucky 2 $ 166,000 $ 83,000 $ 40,000
Iberville, Louisiana 2 $ 179,000 $ 89,500 $ 68,000
Livingston, Louisiana 2 $ 224,000 $ 112,000 $ 31,000
Natchitoches, Louisiana 2 $ 216,000 $ 108,000 $ 27,000
Tangipahoa, Louisiana 2 $ 228,000 $ 114,000 $ 43,000
Washington, Louisiana 2 $ 162,000 $ 81,000 $ 48,000
Queen Anne's, Maryland 2 $ 626,000 $ 313,000 $ 30,000
Washington, Maryland 2 $ 444,000 $ 222,000 $ 103,000
Wicomico, Maryland 2 $ 188,000 $ 94,000 $ 55,000
Bristol, Massachusetts 2 $ 480,000 $ 240,000 $ 76,000
Allegan, Michigan 2 $ 221,000 $ 110,500 $ 45,000
Clinton, Michigan 2 $ 283,000 $ 141,500 $ 57,000
Jackson, Michigan 2 $ 281,000 $ 140,500 $ 40,000
Ottawa, Michigan 2 $ 998,000 $ 499,000 $ 479,000
Carlton, Minnesota 2 $ 226,000 $ 113,000 $ 57,000
Douglas, Minnesota 2 $ 438,000 $ 219,000 $ 42,000
Martin, Minnesota 2 $ 117,000 $ 58,500 $ 23,000
Meeker, Minnesota 2 $ 625,000 $ 312,500 $ 82,000
Otter Tail, Minnesota 2 $ 190,000 $ 95,000 $ 57,000
St. Louis, Minnesota 2 $ 563,000 $ 281,500 $ 103,000
Forrest, Mississippi 2 $ 295,000 $ 147,500 $ 55,000
Jackson, Mississippi 2 $ 192,000 $ 96,000 $ 56,000
St. Louis City, Missouri 2 $ 201,000 $ 100,500 $ 41,000
Douglas, Nebraska 2 $ 124,000 $ 62,000 $ 192,000
Carson City, Nevada 2 $ 236,000 $ 118,000 $ 76,000
Essex, New Jersey 2 $ 510,000 $ 255,000 $ 115,000
Middlesex, New Jersey 2 $ 581,000 $ 290,500 $ 75,000
Salem, New Jersey 2 $ 248,000 $ 124,000 $ 64,000
Sussex, New Jersey 2 $ 600,000 $ 300,000 $ 105,000
Union, New Jersey 2 $ 436,000 $ 218,000 $ 94,000
Guilford, North Carolina 2 $ 365,000 $ 182,500 $ 23,000
Lincoln, North Carolina 2 $ 182,000 $ 91,000 $ 30,000
Randolph, North Carolina 2 $ 266,000 $ 133,000 $ 51,000
Sampson, North Carolina 2 $ 153,000 $ 76,500 $ 26,000
Morton, North Dakota 2 $ 254,000 $ 127,000 $ 38,000
Allen, Ohio 2 $ 144,000 $ 72,000 $ 64,000
Champaign, Ohio 2 $ 209,000 $ 104,500 $ 52,000
Coshocton, Ohio 2 $ 144,000 $ 72,000 $ 44,000
Cuyahoga, Ohio 2 $ 291,000 $ 145,500 $ 60,000
Fulton, Ohio 2 $ 157,000 $ 78,500 $ 73,000
Hancock, Ohio 2 $ 225,000 $ 112,500 $ 59,000
Lake, Ohio 2 $ 125,000 $ 62,500 $ 76,000
Mercer, Ohio 2 $ 163,000 $ 81,500 $ 39,000
Shelby, Ohio 2 $ 160,000 $ 80,000 $ 29,000
Warren, Ohio 2 $ 211,000 $ 105,500 $ 66,000
Clackamas, Oregon 2 $ 268,000 $ 134,000 $ 138,000
Jackson, Oregon 2 $ 599,000 $ 299,500 $ 68,000
Lane, Oregon 2 $ 189,000 $ 94,500 $ 40,000
Adams, Pennsylvania 2 $ 311,000 $ 155,500 $ 35,000
Carbon, Pennsylvania 2 $ 186,000 $ 93,000 $ 121,000
Dauphin, Pennsylvania 2 $ 285,000 $ 142,500 $ 66,000
Erie, Pennsylvania 2 $ 62,000 $ 31,000 $ 65,000
Lancaster, Pennsylvania 2 $ 184,000 $ 92,000 $ 30,000
Lycoming, Pennsylvania 2 $ 137,000 $ 68,500 $ 29,000
Anderson, South Carolina 2 $ 293,000 $ 146,500 $ 40,000
York, South Carolina 2 $ 173,000 $ 86,500 $ 75,000
Pennington, South Dakota 2 $ 144,000 $ 72,000 $ 77,000
Franklin, Tennessee 2 $ 207,000 $ 103,500 $ 58,000
Hamilton, Tennessee 2 $ 150,000 $ 75,000 $ 31,000
Lawrence, Tennessee 2 $ 134,000 $ 67,000 $ 26,000
Williamson, Tennessee 2 $ 452,000 $ 226,000 $ 113,000
Collin, Texas 2 $ 318,000 $ 159,000 $ 143,000
Mecklenburg, Virginia 2 $ 100,000 $ 50,000 $ 32,000
Stevens, Washington 2 $ 155,000 $ 77,500 $ 67,000
Harrison, West Virginia 2 $ 106,000 $ 53,000 $ 32,000
Wood, West Virginia 2 $ 133,000 $ 66,500 $ 48,000
Brown, Wisconsin 2 $ 276,000 $ 138,000 $ 56,000
Pierce, Wisconsin 2 $ 320,000 $ 160,000 $ 60,000
Polk, Wisconsin 2 $ 383,000 $ 191,500 $ 48,000
Chilton, Alabama 1 $ 47,000 $ 47,000 $ 22,000
Cleburne, Alabama 1 $ 114,000 $ 114,000 $ 31,000
DeKalb, Alabama 1 $ 169,000 $ 169,000 $ 84,000
Etowah, Alabama 1 $ 76,000 $ 76,000 $ 23,000
Fayette, Alabama 1 $ 78,000 $ 78,000 $ 78,000
Houston, Alabama 1 $ 65,000 $ 65,000 $ 13,000
Jackson, Alabama 1 $ 62,000 $ 62,000 $ 13,000
Macon, Alabama 1 $ 88,000 $ 88,000 $ 409,000
Marshall, Alabama 1 $ 152,000 $ 152,000 $ 60,000
Pike, Alabama 1 $ 78,000 $ 78,000 $ 31,000
Tallapoosa, Alabama 1 $ 67,000 $ 67,000 $ 23,000
Walker, Alabama 1 $ 92,000 $ 92,000 $ 48,000
Washington, Alabama 1 $ 96,000 $ 96,000 $ 31,000
Pima, Arizona 1 $ 224,000 $ 224,000 $ 90,000
Amador, California 1 $ 342,000 $ 342,000 $ 86,000
Glenn, California 1 $ 260,000 $ 260,000 $ 66,000
Imperial, California 1 $ 269,000 $ 269,000 $ 72,000
Inyo, California 1 $ 55,000 $ 55,000 $ 60,000
Lake, California 1 $ 128,000 $ 128,000 $ 44,000
Mariposa, California 1 $ 100,000 $ 100,000 $ 36,000
Plumas, California 1 $ 171,000 $ 171,000 $ 61,000
San Luis Obispo, California 1 $ 450,000 $ 450,000 $ 90,000
Sonoma, California 1 $ 310,000 $ 310,000 $ 168,000
Tuolumne, California 1 $ 368,000 $ 368,000 $ 371,000
Ventura, California 1 $ 75,000 $ 75,000 $ 311,000
Broomfield, Colorado 1 $ 263,000 $ 263,000 $ 108,000
Gilpin, Colorado 1 $ 321,000 $ 321,000 $ 131,000
Grand, Colorado 1 $ 80,000 $ 80,000 $ 18,000
Huerfano, Colorado 1 $ 120,000 $ 120,000 $ 85,000
Moffat, Colorado 1 $ 165,000 $ 165,000 $ 45,000
Montezuma, Colorado 1 $ 163,000 $ 163,000 $ 43,000
Summit, Colorado 1 $ 160,000 $ 160,000 $ 450,000
Hartford, Connecticut 1 $ 553,000 $ 553,000 $ 180,000
Alachua, Florida 1 $ 56,000 $ 56,000 $ 25,000
Bradford, Florida 1 $ 78,000 $ 78,000 $ 37,000
Charlotte, Florida 1 $ 109,000 $ 109,000 $ 0
DeSoto, Florida 1 $ 125,000 $ 125,000 $ 101,000
Dixie, Florida 1 $ 69,000 $ 69,000 $ 25,000
Hernando, Florida 1 $ 317,000 $ 317,000 $ 180,000
Highlands, Florida 1 $ 136,000 $ 136,000 $ 34,000
Levy, Florida 1 $ 88,000 $ 88,000 $ 41,000
Manatee, Florida 1 $ 975,000 $ 975,000 $ 240,000
Pasco, Florida 1 $ 135,000 $ 135,000 $ 68,000
St. Lucie, Florida 1 $ 280,000 $ 280,000 $ 236,000
Baker, Georgia 1 $ 69,000 $ 69,000 $ 22,000
Ben Hill, Georgia 1 $ 131,000 $ 131,000 $ 87,000
Brooks, Georgia 1 $ 74,000 $ 74,000 $ 26,000
Catoosa, Georgia 1 $ 121,000 $ 121,000 $ 59,000
Chattahoochee, Georgia 1 $ 76,000 $ 76,000 $ 31,000
Columbia, Georgia 1 $ 158,000 $ 158,000 $ 53,000
Dawson, Georgia 1 $ 120,000 $ 120,000 $ 36,000
Effingham, Georgia 1 $ 91,000 $ 91,000 $ 50,000
Evans, Georgia 1 $ 185,000 $ 185,000 $ 48,000
Forsyth, Georgia 1 $ 150,000 $ 150,000 $ 240,000
Franklin, Georgia 1 $ 65,000 $ 65,000 $ 50,000
Haralson, Georgia 1 $ 65,000 $ 65,000 $ 35,000
Henry, Georgia 1 $ 144,000 $ 144,000 $ 29,000
Lee, Georgia 1 $ 45,000 $ 45,000 $ 41,000
Long, Georgia 1 $ 77,000 $ 77,000 $ 30,000
Pierce, Georgia 1 $ 90,000 $ 90,000 $ 29,000
Richmond, Georgia 1 $ 60,000 $ 60,000 $ 69,000
Spalding, Georgia 1 $ 89,000 $ 89,000 $ 31,000
Terrell, Georgia 1 $ 64,000 $ 64,000 $ 46,000
Turner, Georgia 1 $ 85,000 $ 85,000 $ 68,000
Honolulu, Hawaii 1 $ 636,000 $ 636,000 $ 336,000
Bannock, Idaho 1 $ 71,000 $ 71,000 $ 276,000
Blaine, Idaho 1 $ 385,000 $ 385,000 $ 84,000
Bonneville, Idaho 1 $ 148,000 $ 148,000 $ 90,000
Elmore, Idaho 1 $ 55,000 $ 55,000 $ 29,000
Shoshone, Idaho 1 $ 238,000 $ 238,000 $ 0
St. Clair, Illinois 1 $ 69,000 $ 69,000 $ 25,000
Adams, Indiana 1 $ 75,000 $ 75,000 $ 24,000
Clay, Indiana 1 $ 137,000 $ 137,000 $ 65,000
Decatur, Indiana 1 $ 103,000 $ 103,000 $ 31,000
DeKalb, Indiana 1 $ 90,000 $ 90,000 $ 42,000
Fountain, Indiana 1 $ 100,000 $ 100,000 $ 33,000
Gibson, Indiana 1 $ 74,000 $ 74,000 $ 49,000
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Mortgage Loan Application Detail Totals for Nbank, N.A. 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 2,208 $460,626,000 $208,000 $1,120,000 $85,000 $965,000
Home Purchase 1,886 $304,034,000 $161,000 $1,360,000 $75,000 $881,000
Home Improvement 11 $528,000 $48,000 $350,000 $50,000 $120,000

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 2,817 $499,798,000 $177,000 $1,360,000 $81,000 $965,000
Black or African American 514 $76,519,000 $148,000 $1,000,000 $61,000 $280,000
Hispanic 297 $68,907,000 $232,000 $760,000 $84,000 $585,000
Not Provided 268 $63,238,000 $235,000 $960,000 $88,000 $319,000
Asian 173 $47,333,000 $273,000 $1,000,000 $103,000 $588,000
Native Hawaiian or Other Pacific Islander 25 $7,277,000 $291,000 $1,003,000 $109,000 $549,000
American Indian or Alaskan Native 11 $2,116,000 $192,000 $480,000 $73,000 $238,000
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) 3,127 $640,777,000 $204,000 $1,360,000 $90,000 $965,000
FHA-insured (Federal Housing Administration) 816 $99,153,000 $121,000 $337,000 $49,000 $409,000
VA-guaranteed (Veterans Administration) 162 $25,258,000 $155,000 $415,000 $53,000 $157,000
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 2,136 $373,122,000 $174,000 $975,000 $76,000 $965,000
Application Approved But Not Accepted 854 $186,244,000 $218,000 $1,360,000 $90,000 $706,000
Application Denied By Financial Institution 632 $133,726,000 $211,000 $1,120,000 $88,000 $743,000
Loan Purchased By The Institution 351 $50,401,000 $143,000 $584,000 $65,000 $463,000
Application Withdrawn By Applicant 92 $14,075,000 $152,000 $561,000 $71,000 $881,000
File Closed For Incompleteness 40 $7,620,000 $190,000 $933,000 $96,000 $757,000
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 193 $34,935,000 $181,000 $1,000,000 $74,000 $372,000
Other 147 $33,126,000 $225,000 $1,050,000 $94,000 $585,000
Debt-To-Income Ratio 107 $20,793,000 $194,000 $665,000 $70,000 $240,000
Collateral 83 $18,014,000 $217,000 $1,120,000 $112,000 $743,000
Credit Application Incomplete 31 $9,668,000 $311,000 $1,000,000 $108,000 $396,000
Unverifiable Information 30 $7,338,000 $244,000 $860,000 $103,000 $402,000
Employment History 30 $6,500,000 $216,000 $944,000 $96,000 $468,000
Insufficient Cash (Downpayment, Closing Cost) 10 $3,262,000 $326,000 $1,000,000 $124,000 $588,000
Mortgage Insurance Denied 1 $90,000 $90,000 $90,000 $23,000 $23,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nbank, N.A.'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 Nbank, N.A.'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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