Nbank, N.A. Mortgage Lending & HMDA Data, 2004

In 2004, Nbank, N.A. of Commerce, GA reported 11,766 mortgage applications totaling $1.8 billion, up 87% from 2003. The average application was for $154,351, and applicants reported an average income of $56,223. 72% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,129), Sacramento--Arden-Arcade--Roseville, CA (836) and Nashville-Davidson--Murfreesboro, TN (713) (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 11,766
Total Mortgage Loan Application Amount $1,816,094,000
Average Mortgage Loan Application Amount $154,351
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $56,223
Highest Applicant Income $3,116,000

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Act (HMDA) records Nbank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sacramento, California 508 $ 109,058,000 $ 214,681 $ 86,000
Montgomery, Tennessee 489 $ 54,626,000 $ 111,709 $ 43,000
Prince George's, Maryland 287 $ 53,300,000 $ 185,714 $ 61,000
Davidson, Tennessee 246 $ 26,042,000 $ 105,861 $ 37,000
Hennepin, Minnesota 210 $ 40,382,000 $ 192,295 $ 59,000
Marion, Indiana 202 $ 24,020,000 $ 118,910 $ 73,000
Sumner, Tennessee 199 $ 27,697,000 $ 139,180 $ 56,000
Gwinnett, Georgia 197 $ 31,842,000 $ 161,634 $ 50,000
Yolo, California 196 $ 47,221,000 $ 240,923 $ 87,000
Clark, Nevada 181 $ 32,866,000 $ 181,580 $ 55,000
Fulton, Georgia 174 $ 33,313,000 $ 191,454 $ 87,000
Jackson, Georgia 167 $ 20,072,000 $ 120,191 $ 59,000
San Joaquin, California 159 $ 34,812,000 $ 218,943 $ 80,000
DeKalb, Georgia 156 $ 23,023,000 $ 147,583 $ 44,000
Hamilton, Ohio 156 $ 20,351,000 $ 130,455 $ 74,000
Cobb, Georgia 130 $ 21,815,000 $ 167,807 $ 44,000
Fayette, Kentucky 128 $ 16,035,000 $ 125,273 $ 54,000
Montgomery, Ohio 124 $ 13,468,000 $ 108,612 $ 45,000
Butler, Ohio 120 $ 14,719,000 $ 122,658 $ 59,000
Hamilton, Indiana 118 $ 18,649,000 $ 158,042 $ 72,000
Aiken, South Carolina 113 $ 11,109,000 $ 98,309 $ 48,000
Richmond, Georgia 109 $ 12,413,000 $ 113,880 $ 42,000
Anne Arundel, Maryland 109 $ 25,026,000 $ 229,596 $ 77,000
Delaware, Indiana 107 $ 8,169,000 $ 76,345 $ 50,000
Maricopa, Arizona 106 $ 14,123,000 $ 133,235 $ 30,000
Santa Clara, California 89 $ 30,950,000 $ 347,752 $ 109,000
Jefferson, Kentucky 85 $ 10,226,000 $ 120,305 $ 54,000
Rutherford, Tennessee 83 $ 10,111,000 $ 121,819 $ 44,000
Los Angeles, California 82 $ 21,328,000 $ 260,097 $ 72,000
Placer, California 77 $ 17,972,000 $ 233,402 $ 75,000
Columbia, Georgia 77 $ 9,503,000 $ 123,415 $ 47,000
Alameda, California 73 $ 22,110,000 $ 302,876 $ 102,000
Baltimore, Maryland 72 $ 12,078,000 $ 167,750 $ 57,000
Denver, Colorado 69 $ 12,606,000 $ 182,695 $ 49,000
Arapahoe, Colorado 68 $ 12,294,000 $ 180,794 $ 55,000
Contra Costa, California 59 $ 18,501,000 $ 313,576 $ 81,000
Oakland, Michigan 59 $ 14,871,000 $ 252,050 $ 127,000
Clermont, Ohio 58 $ 7,834,000 $ 135,068 $ 62,000
El Dorado, California 55 $ 13,347,000 $ 242,672 $ 103,000
Clayton, Georgia 55 $ 6,763,000 $ 122,963 $ 42,000
Forsyth, Georgia 55 $ 11,194,000 $ 203,527 $ 79,000
Ramsey, Minnesota 55 $ 10,013,000 $ 182,054 $ 37,000
Cherokee, Georgia 54 $ 8,281,000 $ 153,351 $ 32,000
Hall, Georgia 53 $ 6,821,000 $ 128,698 $ 62,000
Wright, Minnesota 53 $ 8,564,000 $ 161,584 $ 25,000
Anoka, Minnesota 52 $ 8,728,000 $ 167,846 $ 46,000
Otter Tail, Minnesota 52 $ 4,537,000 $ 87,250 $ 15,000
Robertson, Tennessee 52 $ 6,242,000 $ 120,038 $ 43,000
Jefferson, Colorado 51 $ 9,670,000 $ 189,607 $ 76,000
Christian, Kentucky 50 $ 3,867,000 $ 77,340 $ 36,000
Henry, Georgia 49 $ 7,650,000 $ 156,122 $ 28,000
Shelby, Tennessee 46 $ 3,646,000 $ 79,260 $ 60,000
Dakota, Minnesota 45 $ 8,218,000 $ 182,622 $ 33,000
Warren, Ohio 44 $ 7,207,000 $ 163,795 $ 252,000
St. Joseph, Indiana 43 $ 2,556,000 $ 59,441 $ 42,000
Montgomery, Maryland 43 $ 9,587,000 $ 222,953 $ 66,000
Bartow, Georgia 42 $ 5,780,000 $ 137,619 $ 73,000
New Castle, Delaware 41 $ 6,665,000 $ 162,560 $ 43,000
Sevier, Tennessee 39 $ 8,809,000 $ 225,871 $ 117,000
Glynn, Georgia 38 $ 5,444,000 $ 143,263 $ 88,000
Wayne, Michigan 38 $ 5,148,000 $ 135,473 $ 54,000
Washington, Minnesota 37 $ 8,674,000 $ 234,432 $ 47,000
Miami, Ohio 37 $ 4,180,000 $ 112,972 $ 32,000
Douglas, Colorado 36 $ 7,810,000 $ 216,944 $ 47,000
McDuffie, Georgia 36 $ 4,447,000 $ 123,527 $ 47,000
Orleans, Louisiana 36 $ 5,357,000 $ 148,805 $ 60,000
Solano, California 35 $ 8,902,000 $ 254,342 $ 82,000
Walton, Georgia 35 $ 5,039,000 $ 143,971 $ 49,000
Charles, Maryland 35 $ 7,047,000 $ 201,342 $ 60,000
Jefferson, Louisiana 34 $ 4,601,000 $ 135,323 $ 37,000
District of Columbia, District Of Columbia 33 $ 6,217,000 $ 188,393 $ 94,000
York, Pennsylvania 33 $ 3,486,000 $ 105,636 $ 50,000
Wilson, Tennessee 33 $ 4,398,000 $ 133,272 $ 58,000
Hendricks, Indiana 32 $ 4,328,000 $ 135,250 $ 55,000
Franklin, Ohio 32 $ 3,540,000 $ 110,625 $ 51,000
Adams, Colorado 31 $ 5,369,000 $ 173,193 $ 37,000
Banks, Georgia 31 $ 2,943,000 $ 94,935 $ 44,000
Madison, Georgia 31 $ 2,512,000 $ 81,032 $ 43,000
Mecklenburg, North Carolina 31 $ 3,957,000 $ 127,645 $ 165,000
Jefferson, Alabama 30 $ 3,404,000 $ 113,466 $ 28,000
Tippecanoe, Indiana 30 $ 3,262,000 $ 108,733 $ 70,000
Macomb, Michigan 30 $ 4,066,000 $ 135,533 $ 59,000
Williamson, Tennessee 30 $ 6,775,000 $ 225,833 $ 89,000
Baltimore City, Maryland 28 $ 3,273,000 $ 116,892 $ 56,000
Riverside, California 27 $ 6,810,000 $ 252,222 $ 58,000
Paulding, Georgia 27 $ 4,377,000 $ 162,111 $ 23,000
Nevada, California 26 $ 6,579,000 $ 253,038 $ 88,000
Ventura, California 26 $ 8,566,000 $ 329,461 $ 92,000
Calvert, Maryland 26 $ 5,181,000 $ 199,269 $ 72,000
Barrow, Georgia 25 $ 2,581,000 $ 103,240 $ 49,000
Scott, Minnesota 25 $ 5,174,000 $ 206,960 $ 55,000
Wake, North Carolina 25 $ 3,021,000 $ 120,840 $ 25,000
Kenton, Kentucky 24 $ 2,405,000 $ 100,208 $ 42,000
San Bernardino, California 23 $ 4,417,000 $ 192,043 $ 51,000
Coweta, Georgia 23 $ 3,305,000 $ 143,695 $ 53,000
Dearborn, Indiana 23 $ 2,763,000 $ 120,130 $ 52,000
Madison, Kentucky 23 $ 2,751,000 $ 119,608 $ 45,000
DeSoto, Mississippi 23 $ 2,742,000 $ 119,217 $ 26,000
Washoe, Nevada 23 $ 6,561,000 $ 285,260 $ 112,000
Knox, Tennessee 23 $ 4,038,000 $ 175,565 $ 56,000
San Luis Obispo, California 22 $ 4,790,000 $ 217,727 $ 67,000
El Paso, Colorado 22 $ 3,303,000 $ 150,136 $ 14,000
Floyd, Georgia 22 $ 2,622,000 $ 119,181 $ 48,000
Troup, Georgia 22 $ 2,665,000 $ 121,136 $ 16,000
Madison, Indiana 22 $ 1,875,000 $ 85,227 $ 37,000
St. Bernard, Louisiana 22 $ 2,336,000 $ 106,181 $ 60,000
Harford, Maryland 22 $ 3,508,000 $ 159,454 $ 38,000
Howard, Maryland 22 $ 5,499,000 $ 249,954 $ 79,000
Sherburne, Minnesota 22 $ 3,147,000 $ 143,045 $ 37,000
Salt Lake, Utah 22 $ 3,408,000 $ 154,909 $ 78,000
Sussex, Delaware 21 $ 4,161,000 $ 198,142 $ 55,000
Putnam, Florida 21 $ 1,291,000 $ 61,476 $ 26,000
Carroll, Georgia 21 $ 2,474,000 $ 117,809 $ 39,000
Grant, Indiana 21 $ 1,662,000 $ 79,142 $ 56,000
Wayne, Indiana 21 $ 2,147,000 $ 102,238 $ 68,000
Polk, Iowa 21 $ 2,476,000 $ 117,904 $ 63,000
St. Tammany, Louisiana 21 $ 2,489,000 $ 118,523 $ 52,000
Prince William, Virginia 21 $ 3,961,000 $ 188,619 $ 73,000
Spotsylvania, Virginia 21 $ 4,108,000 $ 195,619 $ 69,000
Stanislaus, California 20 $ 3,700,000 $ 185,000 $ 62,000
Yuba, California 20 $ 3,043,000 $ 152,150 $ 57,000
Clarke, Georgia 20 $ 2,431,000 $ 121,550 $ 70,000
Fayette, Georgia 20 $ 3,624,000 $ 181,200 $ 93,000
Johnson, Indiana 20 $ 2,226,000 $ 111,300 $ 37,000
Jessamine, Kentucky 20 $ 2,017,000 $ 100,850 $ 46,000
Stearns, Minnesota 20 $ 2,746,000 $ 137,300 $ 26,000
Greene, Ohio 20 $ 2,957,000 $ 147,850 $ 46,000
Greenville, South Carolina 20 $ 2,404,000 $ 120,200 $ 25,000
Richland, South Carolina 20 $ 2,473,000 $ 123,650 $ 25,000
Butte, California 19 $ 2,964,000 $ 156,000 $ 57,000
Sutter, California 19 $ 3,926,000 $ 206,631 $ 71,000
Carver, Minnesota 19 $ 3,359,000 $ 176,789 $ 40,000
Trousdale, Tennessee 19 $ 1,599,000 $ 84,157 $ 45,000
Lumpkin, Georgia 18 $ 2,819,000 $ 156,611 $ 47,000
Cook, Illinois 18 $ 2,465,000 $ 136,944 $ 36,000
Boone, Kentucky 18 $ 2,954,000 $ 164,111 $ 110,000
Macon, Tennessee 18 $ 1,333,000 $ 74,055 $ 38,000
Douglas, Georgia 17 $ 1,957,000 $ 115,117 $ 43,000
Scott, Kentucky 17 $ 2,043,000 $ 120,176 $ 41,000
Cumberland, Pennsylvania 17 $ 2,316,000 $ 136,235 $ 46,000
Fairfax, Virginia 17 $ 3,692,000 $ 217,176 $ 58,000
Virginia Beach, Virginia 17 $ 2,721,000 $ 160,058 $ 43,000
Boulder, Colorado 16 $ 3,869,000 $ 241,812 $ 70,000
Duval, Florida 16 $ 2,084,000 $ 130,250 $ 28,000
Monroe, Indiana 16 $ 1,736,000 $ 108,500 $ 68,000
Caddo, Louisiana 16 $ 1,736,000 $ 108,500 $ 53,000
St. Louis, Minnesota 16 $ 2,418,000 $ 151,125 $ 4,000
Lucas, Ohio 16 $ 1,613,000 $ 100,812 $ 29,000
Dauphin, Pennsylvania 16 $ 1,829,000 $ 114,312 $ 62,000
Monroe, Pennsylvania 16 $ 1,925,000 $ 120,312 $ 31,000
Hamilton, Tennessee 16 $ 1,575,000 $ 98,437 $ 45,000
Kanawha, West Virginia 16 $ 1,255,000 $ 78,437 $ 42,000
Broward, Florida 15 $ 2,503,000 $ 166,866 $ 19,000
Miami-Dade, Florida 15 $ 1,934,000 $ 128,933 $ 32,000
Le Sueur, Minnesota 15 $ 1,881,000 $ 125,400 $ 7,000
Alamance, North Carolina 15 $ 1,882,000 $ 125,466 $ 38,000
Cumberland, North Carolina 15 $ 1,510,000 $ 100,666 $ 21,000
Brown, Ohio 15 $ 1,739,000 $ 115,933 $ 30,000
Stafford, Virginia 15 $ 3,227,000 $ 215,133 $ 54,000
Lake, California 14 $ 2,215,000 $ 158,214 $ 55,000
Elkhart, Indiana 14 $ 1,342,000 $ 95,857 $ 70,000
Hancock, Indiana 14 $ 1,573,000 $ 112,357 $ 62,000
Tipton, Indiana 14 $ 1,012,000 $ 72,285 $ 44,000
Isanti, Minnesota 14 $ 2,045,000 $ 146,071 $ 15,000
Washington, Utah 14 $ 2,103,000 $ 150,214 $ 61,000
San Diego, California 13 $ 4,039,000 $ 310,692 $ 95,000
Oglethorpe, Georgia 13 $ 1,381,000 $ 106,230 $ 43,000
Polk, Georgia 13 $ 1,237,000 $ 95,153 $ 49,000
Warren, Kentucky 13 $ 1,477,000 $ 113,615 $ 54,000
Carroll, Maryland 13 $ 2,452,000 $ 188,615 $ 118,000
Guilford, North Carolina 13 $ 1,679,000 $ 129,153 $ 29,000
Cheatham, Tennessee 13 $ 1,500,000 $ 115,384 $ 44,000
Orange, California 12 $ 3,552,000 $ 296,000 $ 71,000
Hillsborough, Florida 12 $ 1,560,000 $ 130,000 $ 46,000
St. Johns, Florida 12 $ 1,259,000 $ 104,916 $ 39,000
Franklin, Georgia 12 $ 938,000 $ 78,166 $ 27,000
Lincoln, Georgia 12 $ 1,838,000 $ 153,166 $ 73,000
Newton, Georgia 12 $ 1,824,000 $ 152,000 $ 40,000
Goodhue, Minnesota 12 $ 1,913,000 $ 159,416 $ 5,000
Clark, Ohio 12 $ 1,275,000 $ 106,250 $ 41,000
Shelby, Ohio 12 $ 1,199,000 $ 99,916 $ 39,000
Spartanburg, South Carolina 12 $ 1,339,000 $ 111,583 $ 28,000
Kern, California 11 $ 2,064,000 $ 187,636 $ 79,000
Weld, Colorado 11 $ 2,205,000 $ 200,454 $ 40,000
Boone, Indiana 11 $ 1,511,000 $ 137,363 $ 62,000
Fayette, Indiana 11 $ 649,000 $ 59,000 $ 36,000
Frederick, Maryland 11 $ 2,160,000 $ 196,363 $ 47,000
St. Mary's, Maryland 11 $ 1,660,000 $ 150,909 $ 82,000
Washtenaw, Michigan 11 $ 2,554,000 $ 232,181 $ 113,000
Chisago, Minnesota 11 $ 1,973,000 $ 179,363 $ 15,000
Murray, Minnesota 11 $ 623,000 $ 56,636 $ 0
Rockingham, New Hampshire 11 $ 2,225,000 $ 202,272 $ 22,000
Beaufort, South Carolina 11 $ 1,637,000 $ 148,818 $ 29,000
Lexington, South Carolina 11 $ 1,139,000 $ 103,545 $ 27,000
Chesapeake, Virginia 11 $ 1,748,000 $ 158,909 $ 55,000
Larimer, Colorado 10 $ 2,015,000 $ 201,500 $ 49,000
Chatham, Georgia 10 $ 1,321,000 $ 132,100 $ 61,000
Dawson, Georgia 10 $ 1,774,000 $ 177,400 $ 87,000
Pickens, Georgia 10 $ 1,435,000 $ 143,500 $ 201,000
Jefferson, Indiana 10 $ 933,000 $ 93,300 $ 44,000
Porter, Indiana 10 $ 1,343,000 $ 134,300 $ 49,000
Clark, Kentucky 10 $ 1,642,000 $ 164,200 $ 61,000
Beauregard, Louisiana 10 $ 1,207,000 $ 120,700 $ 58,000
Calcasieu, Louisiana 10 $ 1,065,000 $ 106,500 $ 65,000
Talbot, Maryland 10 $ 1,388,000 $ 138,800 $ 33,000
Kalamazoo, Michigan 10 $ 1,458,000 $ 145,800 $ 41,000
St. Clair, Michigan 10 $ 1,437,000 $ 143,700 $ 39,000
McLeod, Minnesota 10 $ 1,912,000 $ 191,200 $ 62,000
Jackson, Missouri 10 $ 1,204,000 $ 120,400 $ 35,000
Delaware, Ohio 10 $ 2,003,000 $ 200,300 $ 54,000
Berks, Pennsylvania 10 $ 1,370,000 $ 137,000 $ 134,000
Lehigh, Pennsylvania 10 $ 1,405,000 $ 140,500 $ 75,000
Coffee, Tennessee 10 $ 766,000 $ 76,600 $ 28,000
King, Washington 10 $ 3,014,000 $ 301,400 $ 103,000
Pierce, Washington 10 $ 1,654,000 $ 165,400 $ 62,000
Madison, Alabama 9 $ 922,000 $ 102,444 $ 68,000
Calaveras, California 9 $ 1,618,000 $ 179,777 $ 74,000
Fresno, California 9 $ 1,446,000 $ 160,666 $ 50,000
San Mateo, California 9 $ 2,440,000 $ 271,111 $ 118,000
Oconee, Georgia 9 $ 895,000 $ 99,444 $ 64,000
Morgan, Indiana 9 $ 1,191,000 $ 132,333 $ 46,000
Mower, Minnesota 9 $ 875,000 $ 97,222 $ 9,000
Knox, Ohio 9 $ 831,000 $ 92,333 $ 39,000
Berkeley, South Carolina 9 $ 874,000 $ 97,111 $ 30,000
Dorchester, South Carolina 9 $ 1,149,000 $ 127,666 $ 22,000
Jefferson, Tennessee 9 $ 910,000 $ 101,111 $ 60,000
Smith, Tennessee 9 $ 917,000 $ 101,888 $ 44,000
Harris, Texas 9 $ 1,239,000 $ 137,666 $ 19,000
Henrico, Virginia 9 $ 1,023,000 $ 113,666 $ 41,000
St. Croix, Wisconsin 9 $ 1,819,000 $ 202,111 $ 46,000
Mobile, Alabama 8 $ 888,000 $ 111,000 $ 49,000
Kings, California 8 $ 938,000 $ 117,250 $ 60,000
Lake, Florida 8 $ 771,000 $ 96,375 $ 17,000
Emanuel, Georgia 8 $ 818,000 $ 102,250 $ 62,000
Muscogee, Georgia 8 $ 1,044,000 $ 130,500 $ 45,000
Allen, Indiana 8 $ 854,000 $ 106,750 $ 64,000
Howard, Indiana 8 $ 695,000 $ 86,875 $ 65,000
Lake, Indiana 8 $ 820,000 $ 102,500 $ 63,000
Randolph, Indiana 8 $ 573,000 $ 71,625 $ 50,000
Campbell, Kentucky 8 $ 855,000 $ 106,875 $ 24,000
Bossier, Louisiana 8 $ 1,139,000 $ 142,375 $ 59,000
Caroline, Maryland 8 $ 1,085,000 $ 135,625 $ 63,000
Worcester, Maryland 8 $ 2,276,000 $ 284,500 $ 102,000
Berrien, Michigan 8 $ 369,000 $ 46,125 $ 47,000
Pipestone, Minnesota 8 $ 870,000 $ 108,750 $ 0
Darke, Ohio 8 $ 1,190,000 $ 148,750 $ 50,000
Preble, Ohio 8 $ 756,000 $ 94,500 $ 37,000
Lancaster, Pennsylvania 8 $ 1,134,000 $ 141,750 $ 30,000
Northampton, Pennsylvania 8 $ 1,156,000 $ 144,500 $ 57,000
Charleston, South Carolina 8 $ 1,565,000 $ 195,625 $ 86,000
Maury, Tennessee 8 $ 793,000 $ 99,125 $ 25,000
Davis, Utah 8 $ 1,755,000 $ 219,375 $ 83,000
Mecklenburg, Virginia 8 $ 772,000 $ 96,500 $ 61,000
Wood, West Virginia 8 $ 841,000 $ 105,125 $ 45,000
Madera, California 7 $ 1,474,000 $ 210,571 $ 43,000
Santa Cruz, California 7 $ 3,280,000 $ 468,571 $ 114,000
Tulare, California 7 $ 1,426,000 $ 203,714 $ 28,000
Bay, Florida 7 $ 759,000 $ 108,428 $ 36,000
Orange, Florida 7 $ 874,000 $ 124,857 $ 1,000
Pinellas, Florida 7 $ 927,000 $ 132,428 $ 19,000
Baldwin, Georgia 7 $ 916,000 $ 130,857 $ 40,000
Bulloch, Georgia 7 $ 966,000 $ 138,000 $ 59,000
Lawrence, Indiana 7 $ 677,000 $ 96,714 $ 49,000
Ripley, Indiana 7 $ 757,000 $ 108,142 $ 49,000
Bullitt, Kentucky 7 $ 904,000 $ 129,142 $ 28,000
Daviess, Kentucky 7 $ 704,000 $ 100,571 $ 18,000
Simpson, Kentucky 7 $ 946,000 $ 135,142 $ 61,000
Woodford, Kentucky 7 $ 985,000 $ 140,714 $ 55,000
St. Charles, Louisiana 7 $ 1,027,000 $ 146,714 $ 70,000
Queen Anne's, Maryland 7 $ 1,890,000 $ 270,000 $ 65,000
Suffolk, New York 7 $ 1,242,000 $ 177,428 $ 70,000
Ransom, North Dakota 7 $ 659,000 $ 94,142 $ 40,000
Wayne, Ohio 7 $ 525,000 $ 75,000 $ 51,000
Anderson, South Carolina 7 $ 1,081,000 $ 154,428 $ 24,000
York, South Carolina 7 $ 868,000 $ 124,000 $ 57,000
Pima, Arizona 6 $ 825,000 $ 137,500 $ 22,000
Santa Barbara, California 6 $ 1,490,000 $ 248,333 $ 58,000
Summit, Colorado 6 $ 1,040,000 $ 173,333 $ 125,000
Escambia, Florida 6 $ 842,000 $ 140,333 $ 14,000
Palm Beach, Florida 6 $ 825,000 $ 137,500 $ 47,000
Sarasota, Florida 6 $ 760,000 $ 126,666 $ 15,000
Volusia, Florida 6 $ 762,000 $ 127,000 $ 44,000
Bryan, Georgia 6 $ 630,000 $ 105,000 $ 50,000
Houston, Georgia 6 $ 828,000 $ 138,000 $ 58,000
Morgan, Georgia 6 $ 876,000 $ 146,000 $ 74,000
Blackford, Indiana 6 $ 433,000 $ 72,166 $ 47,000
Clinton, Indiana 6 $ 506,000 $ 84,333 $ 33,000
Shelby, Indiana 6 $ 510,000 $ 85,000 $ 36,000
Switzerland, Indiana 6 $ 551,000 $ 91,833 $ 43,000
Linn, Iowa 6 $ 557,000 $ 92,833 $ 0
Bourbon, Kentucky 6 $ 648,000 $ 108,000 $ 48,000
Garrard, Kentucky 6 $ 531,000 $ 88,500 $ 42,000
Lafayette, Louisiana 6 $ 591,000 $ 98,500 $ 31,000
Cecil, Maryland 6 $ 853,000 $ 142,166 $ 51,000
Kent, Michigan 6 $ 776,000 $ 129,333 $ 10,000
Benton, Minnesota 6 $ 673,000 $ 112,166 $ 29,000
Mille Lacs, Minnesota 6 $ 1,118,000 $ 186,333 $ 25,000
Carson City, Nevada 6 $ 1,135,000 $ 189,166 $ 73,000
Douglas, Nevada 6 $ 1,413,000 $ 235,500 $ 38,000
Forsyth, North Carolina 6 $ 711,000 $ 118,500 $ 14,000
Fairfield, Ohio 6 $ 777,000 $ 129,500 $ 47,000
Logan, Ohio 6 $ 502,000 $ 83,666 $ 40,000
Perry, Pennsylvania 6 $ 655,000 $ 109,166 $ 50,000
Horry, South Carolina 6 $ 599,000 $ 99,833 $ 37,000
Cannon, Tennessee 6 $ 546,000 $ 91,000 $ 38,000
Stewart, Tennessee 6 $ 576,000 $ 96,000 $ 35,000
Newport News, Virginia 6 $ 710,000 $ 118,333 $ 42,000
Portsmouth, Virginia 6 $ 653,000 $ 108,833 $ 40,000
Brooke, West Virginia 6 $ 392,000 $ 65,333 $ 41,000
Marshall, West Virginia 6 $ 442,000 $ 73,666 $ 36,000
Baldwin, Alabama 5 $ 1,164,000 $ 232,800 $ 150,000
Houston, Alabama 5 $ 516,000 $ 103,200 $ 64,000
Limestone, Alabama 5 $ 605,000 $ 121,000 $ 61,000
Montgomery, Alabama 5 $ 501,000 $ 100,200 $ 14,000
Amador, California 5 $ 761,000 $ 152,200 $ 38,000
Merced, California 5 $ 823,000 $ 164,600 $ 52,000
Napa, California 5 $ 1,201,000 $ 240,200 $ 84,000
Broomfield, Colorado 5 $ 1,384,000 $ 276,800 $ 45,000
Okaloosa, Florida 5 $ 1,316,000 $ 263,200 $ 42,000
Seminole, Florida 5 $ 654,000 $ 130,800 $ 15,000
Bibb, Georgia 5 $ 442,000 $ 88,400 $ 31,000
Gilmer, Georgia 5 $ 913,000 $ 182,600 $ 119,000
Gordon, Georgia 5 $ 642,000 $ 128,400 $ 60,000
Hart, Georgia 5 $ 655,000 $ 131,000 $ 42,000
Monroe, Georgia 5 $ 442,000 $ 88,400 $ 43,000
Rockdale, Georgia 5 $ 757,000 $ 151,400 $ 41,000
White, Georgia 5 $ 789,000 $ 157,800 $ 87,000
Lake, Illinois 5 $ 742,000 $ 148,400 $ 9,000
McHenry, Illinois 5 $ 1,038,000 $ 207,600 $ 47,000
Will, Illinois 5 $ 1,006,000 $ 201,200 $ 15,000
Brown, Indiana 5 $ 616,000 $ 123,200 $ 62,000
Henry, Indiana 5 $ 423,000 $ 84,600 $ 40,000
Kosciusko, Indiana 5 $ 387,000 $ 77,400 $ 33,000
LaPorte, Indiana 5 $ 547,000 $ 109,400 $ 51,000
Ohio, Indiana 5 $ 551,000 $ 110,200 $ 54,000
Pike, Indiana 5 $ 437,000 $ 87,400 $ 40,000
Vanderburgh, Indiana 5 $ 507,000 $ 101,400 $ 44,000
East Baton Rouge, Louisiana 5 $ 766,000 $ 153,200 $ 96,000
Lafourche, Louisiana 5 $ 441,000 $ 88,200 $ 44,000
Grand Traverse, Michigan 5 $ 832,000 $ 166,400 $ 115,000
Olmsted, Minnesota 5 $ 579,000 $ 115,800 $ 13,000
Pine, Minnesota 5 $ 673,000 $ 134,600 $ 24,000
Harrison, Mississippi 5 $ 902,000 $ 180,400 $ 29,000
Lyon, Nevada 5 $ 715,000 $ 143,000 $ 57,000
Merrimack, New Hampshire 5 $ 901,000 $ 180,200 $ 29,000
Mahoning, Ohio 5 $ 461,000 $ 92,200 $ 39,000
Montgomery, Pennsylvania 5 $ 841,000 $ 168,200 $ 104,000
Dickson, Tennessee 5 $ 496,000 $ 99,200 $ 34,000
Franklin, Tennessee 5 $ 579,000 $ 115,800 $ 55,000
Tarrant, Texas 5 $ 554,000 $ 110,800 $ 16,000
Utah, Utah 5 $ 605,000 $ 121,000 $ 26,000
Gloucester, Virginia 5 $ 615,000 $ 123,000 $ 51,000
Loudoun, Virginia 5 $ 920,000 $ 184,000 $ 93,000
Hancock, West Virginia 5 $ 411,000 $ 82,200 $ 33,000
Putnam, West Virginia 5 $ 618,000 $ 123,600 $ 43,000
Pierce, Wisconsin 5 $ 748,000 $ 149,600 $ 44,000
Cherokee, Alabama 4 $ 254,000 $ 63,500 $ 32,000
Lee, Alabama 4 $ 489,000 $ 122,250 $ 38,000
Pinal, Arizona 4 $ 584,000 $ 146,000 $ 4,000
Pulaski, Arkansas 4 $ 354,000 $ 88,500 $ 27,000
Colusa, California 4 $ 796,000 $ 199,000 $ 88,000
Del Norte, California 4 $ 306,000 $ 76,500 $ 54,000
Marin, California 4 $ 1,337,000 $ 334,250 $ 119,000
Monterey, California 4 $ 1,508,000 $ 377,000 $ 81,000
Plumas, California 4 $ 676,000 $ 169,000 $ 56,000
San Francisco, California 4 $ 1,761,000 $ 440,250 $ 228,000
Sonoma, California 4 $ 1,131,000 $ 282,750 $ 93,000
Clay, Florida 4 $ 403,000 $ 100,750 $ 11,000
Marion, Florida 4 $ 447,000 $ 111,750 $ 57,000
Osceola, Florida 4 $ 414,000 $ 103,500 $ 0
Polk, Florida 4 $ 452,000 $ 113,000 $ 8,000
Walton, Florida 4 $ 1,179,000 $ 294,750 $ 178,000
Camden, Georgia 4 $ 403,000 $ 100,750 $ 41,000
Catoosa, Georgia 4 $ 372,000 $ 93,000 $ 33,000
Dougherty, Georgia 4 $ 245,000 $ 61,250 $ 34,000
Floyd, Indiana 4 $ 390,000 $ 97,500 $ 60,000
Jennings, Indiana 4 $ 287,000 $ 71,750 $ 43,000
Dallas, Iowa 4 $ 631,000 $ 157,750 $ 48,000
Grant, Kentucky 4 $ 543,000 $ 135,750 $ 21,000
Harrison, Kentucky 4 $ 523,000 $ 130,750 $ 60,000
Lincoln, Kentucky 4 $ 447,000 $ 111,750 $ 42,000
Montgomery, Kentucky 4 $ 312,000 $ 78,000 $ 29,000
Oldham, Kentucky 4 $ 512,000 $ 128,000 $ 21,000
Shelby, Kentucky 4 $ 561,000 $ 140,250 $ 49,000
Trigg, Kentucky 4 $ 502,000 $ 125,500 $ 45,000
Trimble, Kentucky 4 $ 421,000 $ 105,250 $ 38,000
Ouachita, Louisiana 4 $ 273,000 $ 68,250 $ 45,000
Vernon, Louisiana 4 $ 540,000 $ 135,000 $ 115,000
Cumberland, Maine 4 $ 484,000 $ 121,000 $ 53,000
Kent, Maryland 4 $ 838,000 $ 209,500 $ 86,000
Bristol, Massachusetts 4 $ 671,000 $ 167,750 $ 17,000
Bay, Michigan 4 $ 299,000 $ 74,750 $ 46,000
Genesee, Michigan 4 $ 618,000 $ 154,500 $ 57,000
Ingham, Michigan 4 $ 711,000 $ 177,750 $ 88,000
Lapeer, Michigan 4 $ 616,000 $ 154,000 $ 24,000
Monroe, Michigan 4 $ 675,000 $ 168,750 $ 63,000
Crow Wing, Minnesota 4 $ 484,000 $ 121,000 $ 17,000
Grant, Minnesota 4 $ 340,000 $ 85,000 $ 39,000
Kanabec, Minnesota 4 $ 426,000 $ 106,500 $ 18,000
St. Louis, Missouri 4 $ 500,000 $ 125,000 $ 0
Bernalillo, New Mexico 4 $ 655,000 $ 163,750 $ 29,000
Nassau, New York 4 $ 1,199,000 $ 299,750 $ 26,000
Clay, North Carolina 4 $ 347,000 $ 86,750 $ 64,000
Durham, North Carolina 4 $ 438,000 $ 109,500 $ 15,000
Stark, North Dakota 4 $ 438,000 $ 109,500 $ 61,000
Adams, Ohio 4 $ 442,000 $ 110,500 $ 35,000
Ashland, Ohio 4 $ 415,000 $ 103,750 $ 13,000
Columbiana, Ohio 4 $ 542,000 $ 135,500 $ 41,000
Cuyahoga, Ohio 4 $ 503,000 $ 125,750 $ 30,000
Jefferson, Ohio 4 $ 450,000 $ 112,500 $ 54,000
Licking, Ohio 4 $ 335,000 $ 83,750 $ 40,000
Medina, Ohio 4 $ 652,000 $ 163,000 $ 44,000
Oklahoma, Oklahoma 4 $ 528,000 $ 132,000 $ 8,000
Lane, Oregon 4 $ 489,000 $ 122,250 $ 0
Multnomah, Oregon 4 $ 560,000 $ 140,000 $ 4,000
Chester, Pennsylvania 4 $ 508,000 $ 127,000 $ 118,000
Cumberland, Tennessee 4 $ 319,000 $ 79,750 $ 56,000
Giles, Tennessee 4 $ 374,000 $ 93,500 $ 25,000
Bexar, Texas 4 $ 375,000 $ 93,750 $ 6,000
Wasatch, Utah 4 $ 904,000 $ 226,000 $ 152,000
Weber, Utah 4 $ 453,000 $ 113,250 $ 39,000
Chesterfield, Virginia 4 $ 639,000 $ 159,750 $ 55,000
Hampton, Virginia 4 $ 482,000 $ 120,500 $ 34,000
King George, Virginia 4 $ 554,000 $ 138,500 $ 38,000
Norfolk, Virginia 4 $ 410,000 $ 102,500 $ 39,000
Suffolk, Virginia 4 $ 1,062,000 $ 265,500 $ 105,000
York, Virginia 4 $ 607,000 $ 151,750 $ 66,000
Ohio, West Virginia 4 $ 334,000 $ 83,500 $ 61,000
Polk, Wisconsin 4 $ 561,000 $ 140,250 $ 11,000
Coffee, Alabama 3 $ 221,000 $ 73,666 $ 53,000
Cullman, Alabama 3 $ 301,000 $ 100,333 $ 19,000
Geneva, Alabama 3 $ 282,000 $ 94,000 $ 44,000
Jackson, Alabama 3 $ 373,000 $ 124,333 $ 28,000
Shelby, Alabama 3 $ 509,000 $ 169,666 $ 37,000
Tuscaloosa, Alabama 3 $ 310,000 $ 103,333 $ 53,000
Winston, Alabama 3 $ 459,000 $ 153,000 $ 88,000
Anchorage, Alaska 3 $ 579,000 $ 193,000 $ 50,000
Navajo, Arizona 3 $ 200,000 $ 66,666 $ 29,000
Yavapai, Arizona 3 $ 326,000 $ 108,666 $ 93,000
Glenn, California 3 $ 403,000 $ 134,333 $ 43,000
Shasta, California 3 $ 646,000 $ 215,333 $ 131,000
Tehama, California 3 $ 390,000 $ 130,000 $ 123,000
Mesa, Colorado 3 $ 317,000 $ 105,666 $ 48,000
Pueblo, Colorado 3 $ 378,000 $ 126,000 $ 72,000
Alachua, Florida 3 $ 266,000 $ 88,666 $ 58,000
Brevard, Florida 3 $ 359,000 $ 119,666 $ 38,000
Citrus, Florida 3 $ 231,000 $ 77,000 $ 30,000
Flagler, Florida 3 $ 261,000 $ 87,000 $ 19,000
Hernando, Florida 3 $ 702,000 $ 234,000 $ 67,000
Lee, Florida 3 $ 611,000 $ 203,666 $ 91,000
Pasco, Florida 3 $ 293,000 $ 97,666 $ 20,000
Fannin, Georgia 3 $ 382,000 $ 127,333 $ 84,000
Grady, Georgia 3 $ 203,000 $ 67,666 $ 29,000
Habersham, Georgia 3 $ 1,639,000 $ 546,333 $ 230,000
Haralson, Georgia 3 $ 223,000 $ 74,333 $ 47,000
Jones, Georgia 3 $ 256,000 $ 85,333 $ 44,000
Liberty, Georgia 3 $ 293,000 $ 97,666 $ 33,000
Peach, Georgia 3 $ 332,000 $ 110,666 $ 36,000
Putnam, Georgia 3 $ 594,000 $ 198,000 $ 69,000
Spalding, Georgia 3 $ 584,000 $ 194,666 $ 100,000
Thomas, Georgia 3 $ 167,000 $ 55,666 $ 27,000
Upson, Georgia 3 $ 268,000 $ 89,333 $ 43,000
Warren, Georgia 3 $ 525,000 $ 175,000 $ 103,000
Wayne, Georgia 3 $ 175,000 $ 58,333 $ 31,000
Cass, Indiana 3 $ 551,000 $ 183,666 $ 41,000
Franklin, Indiana 3 $ 449,000 $ 149,666 $ 65,000
Vigo, Indiana 3 $ 207,000 $ 69,000 $ 99,000
Story, Iowa 3 $ 350,000 $ 116,666 $ 59,000
Warren, Iowa 3 $ 385,000 $ 128,333 $ 51,000
Anderson, Kentucky 3 $ 373,000 $ 124,333 $ 22,000
Bell, Kentucky 3 $ 217,000 $ 72,333 $ 75,000
Boyd, Kentucky 3 $ 238,000 $ 79,333 $ 31,000
Boyle, Kentucky 3 $ 348,000 $ 116,000 $ 34,000
Franklin, Kentucky 3 $ 334,000 $ 111,333 $ 67,000
Hardin, Kentucky 3 $ 349,000 $ 116,333 $ 65,000
Henry, Kentucky 3 $ 235,000 $ 78,333 $ 38,000
Knox, Kentucky 3 $ 206,000 $ 68,666 $ 28,000
Acadia, Louisiana 3 $ 199,000 $ 66,333 $ 52,000
Lincoln, Louisiana 3 $ 316,000 $ 105,333 $ 63,000
St. Martin, Louisiana 3 $ 271,000 $ 90,333 $ 44,000
Terrebonne, Louisiana 3 $ 274,000 $ 91,333 $ 48,000
Wicomico, Maryland 3 $ 288,000 $ 96,000 $ 36,000
Essex, Massachusetts 3 $ 609,000 $ 203,000 $ 32,000
Middlesex, Massachusetts 3 $ 386,000 $ 128,666 $ 17,000
Norfolk, Massachusetts 3 $ 831,000 $ 277,000 $ 68,000
Worcester, Massachusetts 3 $ 582,000 $ 194,000 $ 0
Allegan, Michigan 3 $ 345,000 $ 115,000 $ 74,000
Livingston, Michigan 3 $ 515,000 $ 171,666 $ 78,000
Midland, Michigan 3 $ 204,000 $ 68,000 $ 63,000
Clay, Minnesota 3 $ 239,000 $ 79,666 $ 44,000
Itasca, Minnesota 3 $ 262,000 $ 87,333 $ 36,000
Wabasha, Minnesota 3 $ 344,000 $ 114,666 $ 6,000
Panola, Mississippi 3 $ 252,000 $ 84,000 $ 42,000
Warren, Mississippi 3 $ 273,000 $ 91,000 $ 33,000
St. Charles, Missouri 3 $ 422,000 $ 140,666 $ 0
Brunswick, North Carolina 3 $ 367,000 $ 122,333 $ 134,000
Catawba, North Carolina 3 $ 278,000 $ 92,666 $ 52,000
Gaston, North Carolina 3 $ 303,000 $ 101,000 $ 7,000
Nash, North Carolina 3 $ 312,000 $ 104,000 $ 38,000
Pitt, North Carolina 3 $ 244,000 $ 81,333 $ 37,000
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Mortgage Loan Application Detail Totals for Nbank, N.A. in 2004

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 6,593 $1,058,481,000 $149,040 $2,405,000 $41,100 $792,000
Home Purchase 5,146 $755,734,000 $158,333 $3,000,000 $64,111 $3,116,000
Home Improvement 27 $1,879,000 $138,500 $580,000 $90,500 $192,000

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 7,883 $1,179,165,000 $154,591 $3,000,000 $56,979 $1,685,000
Black or African American 1,450 $203,603,000 $139,843 $1,061,000 $50,593 $3,116,000
Not Provided 1,351 $219,171,000 $139,547 $1,000,000 $27,761 $740,000
Hispanic 525 $91,434,000 $154,000 $810,000 $46,272 $632,000
Asian 489 $110,082,000 $172,666 $861,000 $62,666 $483,000
American Indian or Alaskan Native 37 $6,620,000 $171,272 $398,000 $72,818 $258,000
Native Hawaiian or Other Pacific Islander 31 $6,019,000 $167,100 $508,000 $66,100 $180,000
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) 8,548 $1,418,589,000 $152,234 $3,000,000 $62,638 $3,116,000
FHA-insured (Federal Housing Administration) 1,921 $225,603,000 $121,764 $324,000 $23,529 $1,685,000
VA-guaranteed (Veterans Administration) 1,297 $171,902,000 $141,900 $318,000 $21,725 $240,000
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 8,473 $1,273,292,000 $151,280 $1,400,000 $50,260 $1,685,000
Application Denied By Financial Institution 1,307 $221,076,000 $151,648 $3,000,000 $67,675 $3,116,000
Application Approved But Not Accepted 721 $129,673,000 $150,371 $2,405,000 $53,371 $861,000
Loan Purchased By The Institution 639 $99,930,000 $140,787 $488,000 $0 $0
Application Withdrawn By Applicant 466 $67,343,000 $141,600 $1,115,000 $64,933 $750,000
File Closed For Incompleteness 160 $24,780,000 $174,125 $921,000 $71,541 $667,000
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 404 $62,210,000 $150,851 $1,061,000 $59,777 $3,116,000
Debt-To-Income Ratio 304 $56,499,000 $157,178 $3,000,000 $60,285 $600,000
Collateral 201 $31,073,000 $133,689 $750,000 $77,896 $405,000
Other 167 $32,826,000 $164,739 $1,140,000 $76,217 $520,000
Credit Application Incomplete 83 $12,019,000 $145,117 $462,000 $78,470 $632,000
Unverifiable Information 70 $13,748,000 $200,388 $712,000 $86,833 $418,000
Employment History 56 $10,294,000 $143,866 $589,000 $58,600 $240,000
Insufficient Cash (Downpayment, Closing Cost) 18 $2,012,000 $120,818 $425,000 $41,454 $99,000
Mortgage Insurance Denied 4 $395,000 $99,000 $120,000 $29,333 $50,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nbank, N.A.'s 2004 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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