Nbank, N.A. Mortgage Lending & HMDA Data, 2005

In 2005, Nbank, N.A. of Commerce, GA reported 16,214 mortgage applications totaling $3.0 billion, up 38% from 2004. The average application was for $187,282, and applicants reported an average income of $78,190. 60% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (1,348), Minneapolis-St. Paul-Bloomington, MN-WI (898) and Nashville-Davidson--Murfreesboro, TN (745) (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 16,214
Total Mortgage Loan Application Amount $3,036,599,000
Average Mortgage Loan Application Amount $187,282
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $78,190
Highest Applicant Income $2,512,000

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Act (HMDA) records Nbank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sacramento, California 965 $ 265,274,000 $ 274,895 $ 95,000
Hennepin, Minnesota 311 $ 65,855,000 $ 211,752 $ 94,000
Oakland, Michigan 296 $ 68,381,000 $ 231,016 $ 128,000
Wayne, Michigan 295 $ 45,626,000 $ 154,664 $ 85,000
Marion, Indiana 271 $ 31,124,000 $ 114,848 $ 45,000
Davidson, Tennessee 268 $ 33,201,000 $ 123,884 $ 41,000
Macomb, Michigan 258 $ 36,615,000 $ 141,918 $ 61,000
Prince George's, Maryland 238 $ 52,944,000 $ 222,453 $ 57,000
Montgomery, Tennessee 203 $ 24,565,000 $ 121,009 $ 44,000
Polk, Iowa 199 $ 25,362,000 $ 127,447 $ 64,000
San Joaquin, California 194 $ 54,155,000 $ 279,149 $ 88,000
New Castle, Delaware 194 $ 35,597,000 $ 183,489 $ 90,000
Sumner, Tennessee 177 $ 24,022,000 $ 135,717 $ 58,000
Yolo, California 173 $ 49,562,000 $ 286,485 $ 99,000
Hamilton, Indiana 172 $ 30,549,000 $ 177,610 $ 76,000
Montgomery, Ohio 167 $ 18,529,000 $ 110,952 $ 59,000
Los Angeles, California 160 $ 54,994,000 $ 343,712 $ 131,000
Jackson, Georgia 153 $ 18,933,000 $ 123,745 $ 61,000
Placer, California 150 $ 51,780,000 $ 345,200 $ 116,000
Hamilton, Ohio 144 $ 18,356,000 $ 127,472 $ 49,000
Santa Clara, California 143 $ 65,539,000 $ 458,314 $ 172,000
Alameda, California 128 $ 50,540,000 $ 394,843 $ 142,000
Butler, Ohio 120 $ 14,381,000 $ 119,841 $ 66,000
Anne Arundel, Maryland 117 $ 31,009,000 $ 265,034 $ 90,000
Duval, Florida 109 $ 15,224,000 $ 139,669 $ 67,000
Jefferson, Louisiana 109 $ 16,187,000 $ 148,504 $ 74,000
Rutherford, Tennessee 109 $ 14,322,000 $ 131,394 $ 41,000
Contra Costa, California 108 $ 40,919,000 $ 378,879 $ 130,000
Ramsey, Minnesota 107 $ 17,758,000 $ 165,962 $ 74,000
Salt Lake, Utah 107 $ 15,257,000 $ 142,588 $ 68,000
Denver, Colorado 106 $ 19,380,000 $ 182,830 $ 66,000
Baltimore, Maryland 104 $ 18,624,000 $ 179,076 $ 65,000
Orleans, Louisiana 99 $ 14,539,000 $ 146,858 $ 81,000
Anchorage, Alaska 98 $ 18,016,000 $ 183,836 $ 67,000
Lucas, Ohio 97 $ 9,719,000 $ 100,195 $ 50,000
Anoka, Minnesota 94 $ 19,352,000 $ 205,872 $ 82,000
York, Pennsylvania 94 $ 12,511,000 $ 133,095 $ 64,000
Arapahoe, Colorado 93 $ 17,373,000 $ 186,806 $ 72,000
Jefferson, Colorado 91 $ 18,555,000 $ 203,901 $ 103,000
Clark, Nevada 91 $ 22,891,000 $ 251,549 $ 101,000
Dakota, Minnesota 88 $ 16,453,000 $ 186,965 $ 87,000
Washoe, Nevada 87 $ 25,020,000 $ 287,586 $ 158,000
Jefferson, Kentucky 86 $ 10,792,000 $ 125,488 $ 40,000
Sussex, Delaware 81 $ 20,486,000 $ 252,913 $ 123,000
Cobb, Georgia 79 $ 11,894,000 $ 150,556 $ 69,000
Gwinnett, Georgia 79 $ 12,307,000 $ 155,784 $ 82,000
Stanislaus, California 78 $ 20,866,000 $ 267,512 $ 95,000
Cook, Illinois 74 $ 18,302,000 $ 247,324 $ 93,000
Delaware, Indiana 74 $ 6,263,000 $ 84,635 $ 45,000
Fayette, Kentucky 74 $ 10,261,000 $ 138,662 $ 56,000
Wright, Minnesota 69 $ 13,903,000 $ 201,492 $ 85,000
Solano, California 65 $ 21,427,000 $ 329,646 $ 106,000
Fulton, Georgia 65 $ 16,511,000 $ 254,015 $ 85,000
Baldwin, Alabama 64 $ 14,410,000 $ 225,156 $ 165,000
Livingston, Michigan 63 $ 11,583,000 $ 183,857 $ 83,000
Baltimore City, Maryland 62 $ 7,779,000 $ 125,467 $ 70,000
Washington, Minnesota 62 $ 14,644,000 $ 236,193 $ 79,000
El Dorado, California 60 $ 18,741,000 $ 312,350 $ 95,000
Harrison, Mississippi 57 $ 5,228,000 $ 91,719 $ 51,000
Lancaster, Pennsylvania 57 $ 7,607,000 $ 133,456 $ 116,000
Butte, California 55 $ 11,950,000 $ 217,272 $ 90,000
Clermont, Ohio 55 $ 7,527,000 $ 136,854 $ 66,000
Genesee, Michigan 53 $ 13,201,000 $ 249,075 $ 92,000
Mower, Minnesota 53 $ 5,661,000 $ 106,811 $ 45,000
Suffolk, New York 53 $ 14,385,000 $ 271,415 $ 96,000
Scott, Minnesota 52 $ 10,892,000 $ 209,461 $ 79,000
Adams, Colorado 51 $ 7,323,000 $ 143,588 $ 50,000
Franklin, Ohio 51 $ 5,856,000 $ 114,823 $ 44,000
Robertson, Tennessee 50 $ 5,649,000 $ 112,980 $ 40,000
Nevada, California 49 $ 13,388,000 $ 273,224 $ 133,000
St. Tammany, Louisiana 49 $ 6,615,000 $ 135,000 $ 80,000
Riverside, California 47 $ 16,157,000 $ 343,765 $ 109,000
Sutter, California 47 $ 12,211,000 $ 259,808 $ 102,000
District of Columbia, District Of Columbia 47 $ 11,050,000 $ 235,106 $ 64,000
Hendricks, Indiana 47 $ 6,391,000 $ 135,978 $ 64,000
Mercer, Kentucky 47 $ 4,741,000 $ 100,872 $ 43,000
Berks, Pennsylvania 47 $ 6,125,000 $ 130,319 $ 63,000
Bossier, Louisiana 45 $ 6,696,000 $ 148,800 $ 83,000
Kalamazoo, Michigan 45 $ 4,757,000 $ 105,711 $ 58,000
Warren, Ohio 45 $ 7,085,000 $ 157,444 $ 63,000
St. Clair, Michigan 44 $ 6,124,000 $ 139,181 $ 56,000
Fresno, California 43 $ 9,136,000 $ 212,465 $ 77,000
Montgomery, Alabama 41 $ 4,620,000 $ 112,682 $ 51,000
Washtenaw, Michigan 41 $ 7,983,000 $ 194,707 $ 95,000
Broward, Florida 40 $ 8,254,000 $ 206,350 $ 78,000
Grant, Indiana 40 $ 3,515,000 $ 87,875 $ 72,000
Cumberland, Pennsylvania 40 $ 4,590,000 $ 114,750 $ 62,000
Davis, Utah 40 $ 8,462,000 $ 211,550 $ 104,000
DeKalb, Georgia 39 $ 6,683,000 $ 171,358 $ 64,000
St. Bernard, Louisiana 39 $ 3,839,000 $ 98,435 $ 44,000
Wood, Ohio 39 $ 5,527,000 $ 141,717 $ 56,000
Yuba, California 37 $ 6,997,000 $ 189,108 $ 68,000
Cherokee, Georgia 37 $ 7,058,000 $ 190,756 $ 79,000
Ada, Idaho 37 $ 3,769,000 $ 101,864 $ 65,000
Calcasieu, Louisiana 37 $ 3,875,000 $ 104,729 $ 62,000
Sherburne, Minnesota 37 $ 7,515,000 $ 203,108 $ 114,000
Chester, Pennsylvania 37 $ 8,714,000 $ 235,513 $ 151,000
Douglas, Colorado 36 $ 8,131,000 $ 225,861 $ 96,000
Johnson, Indiana 36 $ 4,124,000 $ 114,555 $ 52,000
Queens, New York 36 $ 11,595,000 $ 322,083 $ 98,000
Boone, Kentucky 35 $ 5,098,000 $ 145,657 $ 55,000
Caddo, Louisiana 35 $ 3,358,000 $ 95,942 $ 44,000
Cecil, Maryland 35 $ 6,117,000 $ 174,771 $ 55,000
Carver, Minnesota 35 $ 7,481,000 $ 213,742 $ 108,000
Otter Tail, Minnesota 35 $ 3,412,000 $ 97,485 $ 47,000
Williamson, Tennessee 35 $ 7,170,000 $ 204,857 $ 83,000
Maricopa, Arizona 34 $ 8,078,000 $ 237,588 $ 89,000
Lowndes, Georgia 34 $ 4,445,000 $ 130,735 $ 146,000
Charles, Maryland 34 $ 8,104,000 $ 238,352 $ 68,000
Montgomery, Maryland 34 $ 9,052,000 $ 266,235 $ 52,000
Kenton, Kentucky 33 $ 3,658,000 $ 110,848 $ 34,000
Wilson, Tennessee 33 $ 4,442,000 $ 134,606 $ 56,000
Kings, New York 32 $ 12,390,000 $ 387,187 $ 102,000
Rockland, New York 32 $ 10,169,000 $ 317,781 $ 167,000
Ottawa, Ohio 32 $ 3,851,000 $ 120,343 $ 92,000
Orange, California 31 $ 12,343,000 $ 398,161 $ 107,000
Canyon, Idaho 31 $ 3,378,000 $ 108,967 $ 56,000
Dearborn, Indiana 31 $ 3,489,000 $ 112,548 $ 42,000
Dallas, Iowa 31 $ 4,442,000 $ 143,290 $ 58,000
Boyle, Kentucky 31 $ 3,549,000 $ 114,483 $ 47,000
Campbell, Kentucky 31 $ 3,639,000 $ 117,387 $ 54,000
San Diego, California 30 $ 12,681,000 $ 422,700 $ 117,000
Santa Cruz, California 30 $ 13,059,000 $ 435,300 $ 174,000
Lee, Florida 30 $ 7,726,000 $ 257,533 $ 102,000
Orange, Florida 30 $ 6,943,000 $ 231,433 $ 131,000
Miami, Ohio 30 $ 3,236,000 $ 107,866 $ 44,000
Boulder, Colorado 29 $ 5,357,000 $ 184,724 $ 95,000
Palm Beach, Florida 29 $ 6,497,000 $ 224,034 $ 108,000
Calaveras, California 28 $ 7,294,000 $ 260,500 $ 158,000
Leon, Florida 28 $ 4,175,000 $ 149,107 $ 74,000
Madison, Indiana 28 $ 2,743,000 $ 97,964 $ 46,000
Lapeer, Michigan 28 $ 5,288,000 $ 188,857 $ 77,000
Le Sueur, Minnesota 28 $ 3,853,000 $ 137,607 $ 76,000
Madison, Alabama 27 $ 3,631,000 $ 134,481 $ 102,000
San Bernardino, California 27 $ 6,724,000 $ 249,037 $ 106,000
Hancock, Mississippi 27 $ 2,878,000 $ 106,592 $ 49,000
Knox, Ohio 27 $ 2,680,000 $ 99,259 $ 39,000
Merced, California 26 $ 6,293,000 $ 242,038 $ 85,000
Miami-Dade, Florida 26 $ 5,116,000 $ 196,769 $ 94,000
Monroe, Pennsylvania 26 $ 3,101,000 $ 119,269 $ 46,000
King, Washington 26 $ 7,446,000 $ 286,384 $ 121,000
St. Johns, Florida 25 $ 5,265,000 $ 210,600 $ 73,000
Banks, Georgia 25 $ 2,738,000 $ 109,520 $ 48,000
Bartow, Georgia 25 $ 3,097,000 $ 123,880 $ 142,000
Lafourche, Louisiana 25 $ 2,657,000 $ 106,280 $ 76,000
St. Charles, Louisiana 25 $ 4,075,000 $ 163,000 $ 78,000
Greene, Ohio 25 $ 3,059,000 $ 122,360 $ 60,000
Kent, Delaware 24 $ 4,311,000 $ 179,625 $ 80,000
Madison, Georgia 24 $ 2,158,000 $ 89,916 $ 56,000
Tippecanoe, Indiana 24 $ 3,264,000 $ 136,000 $ 74,000
Jessamine, Kentucky 24 $ 4,294,000 $ 178,916 $ 92,000
Howard, Maryland 24 $ 6,682,000 $ 278,416 $ 136,000
Chisago, Minnesota 24 $ 4,660,000 $ 194,166 $ 53,000
Jackson, Mississippi 24 $ 2,342,000 $ 97,583 $ 62,000
Weber, Utah 24 $ 3,243,000 $ 135,125 $ 50,000
San Luis Obispo, California 23 $ 6,268,000 $ 272,521 $ 88,000
Clarke, Georgia 23 $ 2,783,000 $ 121,000 $ 101,000
Hall, Georgia 23 $ 3,402,000 $ 147,913 $ 69,000
St. Louis, Missouri 23 $ 3,816,000 $ 165,913 $ 109,000
Brown, Ohio 23 $ 2,450,000 $ 106,521 $ 46,000
San Mateo, California 22 $ 11,101,000 $ 504,590 $ 133,000
Boone, Indiana 22 $ 4,315,000 $ 196,136 $ 82,000
Shelby, Indiana 22 $ 1,869,000 $ 84,954 $ 96,000
Shelby, Tennessee 22 $ 1,671,000 $ 75,954 $ 48,000
Washington, Utah 22 $ 3,577,000 $ 162,590 $ 74,000
Pierce, Washington 22 $ 3,896,000 $ 177,090 $ 86,000
Douglas, Nevada 21 $ 7,342,000 $ 349,619 $ 89,000
Cheatham, Tennessee 21 $ 3,042,000 $ 144,857 $ 60,000
Trousdale, Tennessee 21 $ 2,240,000 $ 106,666 $ 42,000
Utah, Utah 21 $ 3,080,000 $ 146,666 $ 67,000
Monterey, California 20 $ 7,191,000 $ 359,550 $ 85,000
Forsyth, Georgia 20 $ 4,276,000 $ 213,800 $ 66,000
Tipton, Indiana 20 $ 1,488,000 $ 74,400 $ 42,000
Harford, Maryland 20 $ 4,679,000 $ 233,950 $ 91,000
Monmouth, New Jersey 20 $ 5,434,000 $ 271,700 $ 64,000
Nassau, New York 20 $ 7,859,000 $ 392,950 $ 152,000
Dauphin, Pennsylvania 20 $ 2,281,000 $ 114,050 $ 60,000
Philadelphia, Pennsylvania 20 $ 2,973,000 $ 148,650 $ 69,000
Brevard, Florida 19 $ 3,232,000 $ 170,105 $ 105,000
Carroll, Maryland 19 $ 4,648,000 $ 244,631 $ 68,000
Isanti, Minnesota 19 $ 3,069,000 $ 161,526 $ 73,000
Rock, Minnesota 19 $ 1,884,000 $ 99,157 $ 137,000
Carson City, Nevada 19 $ 4,091,000 $ 215,315 $ 172,000
Wayne, Ohio 19 $ 1,880,000 $ 98,947 $ 33,000
Bucks, Pennsylvania 19 $ 4,023,000 $ 211,736 $ 91,000
Lehigh, Pennsylvania 19 $ 2,560,000 $ 134,736 $ 55,000
Jefferson, Alabama 18 $ 3,405,000 $ 189,166 $ 39,000
Ventura, California 18 $ 6,393,000 $ 355,166 $ 116,000
El Paso, Colorado 18 $ 2,932,000 $ 162,888 $ 78,000
Warren, Iowa 18 $ 2,132,000 $ 118,444 $ 59,000
Lincoln, Kentucky 18 $ 1,779,000 $ 98,833 $ 44,000
Van Buren, Michigan 18 $ 2,121,000 $ 117,833 $ 66,000
Crow Wing, Minnesota 18 $ 3,015,000 $ 167,500 $ 222,000
Ocean, New Jersey 18 $ 3,877,000 $ 215,388 $ 110,000
Cass, North Dakota 18 $ 2,191,000 $ 121,722 $ 56,000
Perry, Pennsylvania 18 $ 1,999,000 $ 111,055 $ 69,000
Hamilton, Tennessee 18 $ 2,016,000 $ 112,000 $ 44,000
Wasatch, Utah 18 $ 4,138,000 $ 229,888 $ 147,000
Hillsborough, Florida 17 $ 3,465,000 $ 203,823 $ 111,000
East Baton Rouge, Louisiana 17 $ 2,803,000 $ 164,882 $ 61,000
Licking, Ohio 17 $ 2,013,000 $ 118,411 $ 53,000
Delaware, Pennsylvania 17 $ 2,288,000 $ 134,588 $ 139,000
Montgomery, Pennsylvania 17 $ 3,947,000 $ 232,176 $ 96,000
Fairfax, Virginia 17 $ 6,744,000 $ 396,705 $ 107,000
Napa, California 16 $ 6,376,000 $ 398,500 $ 142,000
Richmond, Georgia 16 $ 1,783,000 $ 111,437 $ 30,000
Morgan, Indiana 16 $ 1,989,000 $ 124,312 $ 71,000
Christian, Kentucky 16 $ 1,425,000 $ 89,062 $ 31,000
Queen Anne's, Maryland 16 $ 4,936,000 $ 308,500 $ 108,000
Monroe, Michigan 16 $ 2,526,000 $ 157,875 $ 64,000
Martin, Minnesota 16 $ 1,528,000 $ 95,500 $ 61,000
Lyon, Nevada 16 $ 2,954,000 $ 184,625 $ 74,000
Clark, Ohio 16 $ 1,762,000 $ 110,125 $ 45,000
Erie, Ohio 16 $ 2,720,000 $ 170,000 $ 99,000
Coffee, Tennessee 16 $ 1,371,000 $ 85,687 $ 28,000
St. Croix, Wisconsin 16 $ 3,352,000 $ 209,500 $ 97,000
Trigg, Kentucky 15 $ 1,765,000 $ 117,666 $ 60,000
Calvert, Maryland 15 $ 4,260,000 $ 284,000 $ 73,000
Stearns, Minnesota 15 $ 2,266,000 $ 151,066 $ 56,000
Pike, Pennsylvania 15 $ 1,900,000 $ 126,666 $ 64,000
Beaufort, South Carolina 15 $ 6,197,000 $ 413,133 $ 139,000
Maury, Tennessee 15 $ 2,037,000 $ 135,800 $ 90,000
Kanawha, West Virginia 15 $ 1,443,000 $ 96,200 $ 51,000
Weld, Colorado 14 $ 2,240,000 $ 160,000 $ 68,000
Coweta, Georgia 14 $ 1,778,000 $ 127,000 $ 79,000
Hancock, Indiana 14 $ 2,359,000 $ 168,500 $ 102,000
Garrard, Kentucky 14 $ 1,384,000 $ 98,857 $ 41,000
Warren, Kentucky 14 $ 1,475,000 $ 105,357 $ 33,000
Beauregard, Louisiana 14 $ 1,989,000 $ 142,071 $ 48,000
Goodhue, Minnesota 14 $ 2,946,000 $ 210,428 $ 69,000
St. Louis, Minnesota 14 $ 1,942,000 $ 138,714 $ 44,000
Sandusky, Ohio 14 $ 1,395,000 $ 99,642 $ 51,000
Dallas, Alabama 13 $ 1,383,000 $ 106,384 $ 64,000
San Francisco, California 13 $ 7,024,000 $ 540,307 $ 154,000
Larimer, Colorado 13 $ 1,527,000 $ 117,461 $ 101,000
Barrow, Georgia 13 $ 1,984,000 $ 152,615 $ 80,000
Carroll, Georgia 13 $ 1,394,000 $ 107,230 $ 53,000
Will, Illinois 13 $ 2,865,000 $ 220,384 $ 100,000
Webster, Louisiana 13 $ 1,171,000 $ 90,076 $ 50,000
DeSoto, Mississippi 13 $ 1,996,000 $ 153,538 $ 46,000
Stark, North Dakota 13 $ 1,082,000 $ 83,230 $ 55,000
Greenville, South Carolina 13 $ 1,216,000 $ 93,538 $ 35,000
Knox, Tennessee 13 $ 1,808,000 $ 139,076 $ 119,000
Wood, West Virginia 13 $ 1,141,000 $ 87,769 $ 51,000
Madera, California 12 $ 2,730,000 $ 227,500 $ 116,000
Routt, Colorado 12 $ 2,266,000 $ 188,833 $ 73,000
Clay, Florida 12 $ 2,491,000 $ 207,583 $ 90,000
Volusia, Florida 12 $ 1,959,000 $ 163,250 $ 73,000
Henry, Georgia 12 $ 1,916,000 $ 159,666 $ 121,000
Paulding, Georgia 12 $ 1,865,000 $ 155,416 $ 66,000
Elkhart, Indiana 12 $ 1,378,000 $ 114,833 $ 49,000
Henry, Indiana 12 $ 1,717,000 $ 143,083 $ 61,000
Story, Iowa 12 $ 1,593,000 $ 132,750 $ 72,000
St. John the Baptist, Louisiana 12 $ 1,303,000 $ 108,583 $ 51,000
Clay, Minnesota 12 $ 1,739,000 $ 144,916 $ 58,000
Passaic, New Jersey 12 $ 3,096,000 $ 258,000 $ 100,000
Northampton, Pennsylvania 12 $ 2,113,000 $ 176,083 $ 93,000
Bay, Florida 11 $ 2,832,000 $ 257,454 $ 170,000
DuPage, Illinois 11 $ 3,160,000 $ 287,272 $ 184,000
Porter, Indiana 11 $ 2,137,000 $ 194,272 $ 66,000
Ripley, Indiana 11 $ 997,000 $ 90,636 $ 44,000
St. Joseph, Indiana 11 $ 825,000 $ 75,000 $ 42,000
Scott, Kentucky 11 $ 1,252,000 $ 113,818 $ 54,000
De Soto, Louisiana 11 $ 1,027,000 $ 93,363 $ 42,000
Terrebonne, Louisiana 11 $ 1,270,000 $ 115,454 $ 65,000
Frederick, Maryland 11 $ 2,954,000 $ 268,545 $ 118,000
Kent, Michigan 11 $ 2,034,000 $ 184,909 $ 123,000
Lenawee, Michigan 11 $ 1,422,000 $ 129,272 $ 58,000
Essex, New Jersey 11 $ 2,504,000 $ 227,636 $ 106,000
Coshocton, Ohio 11 $ 887,000 $ 80,636 $ 30,000
Adams, Pennsylvania 11 $ 1,387,000 $ 126,090 $ 47,000
Putnam, West Virginia 11 $ 1,098,000 $ 99,818 $ 49,000
Kern, California 10 $ 2,435,000 $ 243,500 $ 77,000
Polk, Florida 10 $ 1,180,000 $ 118,000 $ 128,000
Allen, Indiana 10 $ 727,000 $ 72,700 $ 53,000
Kosciusko, Indiana 10 $ 1,381,000 $ 138,100 $ 78,000
Madison, Kentucky 10 $ 1,227,000 $ 122,700 $ 59,000
Tangipahoa, Louisiana 10 $ 1,046,000 $ 104,600 $ 63,000
Vernon, Louisiana 10 $ 1,053,000 $ 105,300 $ 38,000
Worcester, Maryland 10 $ 2,702,000 $ 270,200 $ 87,000
Cass, Minnesota 10 $ 1,920,000 $ 192,000 $ 125,000
Olmsted, Minnesota 10 $ 1,208,000 $ 120,800 $ 48,000
St. Charles, Missouri 10 $ 1,569,000 $ 156,900 $ 122,000
Middlesex, New Jersey 10 $ 2,343,000 $ 234,300 $ 69,000
Richmond, New York 10 $ 2,807,000 $ 280,700 $ 113,000
Blount, Tennessee 10 $ 1,623,000 $ 162,300 $ 66,000
Macon, Tennessee 10 $ 665,000 $ 66,500 $ 30,000
Virginia Beach, Virginia 10 $ 2,202,000 $ 220,200 $ 67,000
Shelby, Alabama 9 $ 2,025,000 $ 225,000 $ 84,000
Amador, California 9 $ 2,018,000 $ 224,222 $ 85,000
Sonoma, California 9 $ 3,391,000 $ 376,777 $ 84,000
Alachua, Florida 9 $ 977,000 $ 108,555 $ 55,000
Clayton, Georgia 9 $ 1,199,000 $ 133,222 $ 38,000
Lake, Indiana 9 $ 1,131,000 $ 125,666 $ 57,000
Madison, Iowa 9 $ 1,418,000 $ 157,555 $ 84,000
Jackson, Michigan 9 $ 1,513,000 $ 168,111 $ 58,000
Montcalm, Michigan 9 $ 960,000 $ 106,666 $ 44,000
Saginaw, Michigan 9 $ 851,000 $ 94,555 $ 65,000
Rice, Minnesota 9 $ 1,190,000 $ 132,222 $ 58,000
Hinds, Mississippi 9 $ 1,011,000 $ 112,333 $ 66,000
Bergen, New Jersey 9 $ 2,547,000 $ 283,000 $ 99,000
Orange, New York 9 $ 1,737,000 $ 193,000 $ 101,000
Milwaukee, Wisconsin 9 $ 979,000 $ 108,777 $ 52,000
Goshen, Wyoming 9 $ 1,017,000 $ 113,000 $ 75,000
Tehama, California 8 $ 1,167,000 $ 145,875 $ 68,000
Tulare, California 8 $ 1,443,000 $ 180,375 $ 56,000
Manatee, Florida 8 $ 1,549,000 $ 193,625 $ 104,000
Nassau, Florida 8 $ 1,700,000 $ 212,500 $ 96,000
Okaloosa, Florida 8 $ 2,176,000 $ 272,000 $ 108,000
Fayette, Georgia 8 $ 1,595,000 $ 199,375 $ 85,000
Hart, Georgia 8 $ 1,376,000 $ 172,000 $ 50,000
Walton, Georgia 8 $ 1,724,000 $ 215,500 $ 95,000
White, Georgia 8 $ 1,276,000 $ 159,500 $ 47,000
St. Clair, Illinois 8 $ 1,079,000 $ 134,875 $ 51,000
Bartholomew, Indiana 8 $ 747,000 $ 93,375 $ 99,000
Pike, Indiana 8 $ 622,000 $ 77,750 $ 31,000
Boone, Iowa 8 $ 1,047,000 $ 130,875 $ 61,000
Bullitt, Kentucky 8 $ 1,088,000 $ 136,000 $ 43,000
St. Mary's, Maryland 8 $ 1,594,000 $ 199,250 $ 67,000
Hillsdale, Michigan 8 $ 745,000 $ 93,125 $ 58,000
Itasca, Minnesota 8 $ 899,000 $ 112,375 $ 45,000
Steele, Minnesota 8 $ 1,033,000 $ 129,125 $ 63,000
Hudson, New Jersey 8 $ 2,003,000 $ 250,375 $ 56,000
Mecklenburg, North Carolina 8 $ 957,000 $ 119,625 $ 40,000
Henry, Ohio 8 $ 757,000 $ 94,625 $ 57,000
Carbon, Pennsylvania 8 $ 721,000 $ 90,125 $ 52,000
Cannon, Tennessee 8 $ 740,000 $ 92,500 $ 28,000
Spotsylvania, Virginia 8 $ 1,360,000 $ 170,000 $ 80,000
Brown, Wisconsin 8 $ 1,042,000 $ 130,250 $ 56,000
Mobile, Alabama 7 $ 830,000 $ 118,571 $ 60,000
Santa Barbara, California 7 $ 3,772,000 $ 538,857 $ 154,000
Shasta, California 7 $ 1,457,000 $ 208,142 $ 83,000
Collier, Florida 7 $ 1,593,000 $ 227,571 $ 82,000
Escambia, Florida 7 $ 1,423,000 $ 203,285 $ 148,000
Hernando, Florida 7 $ 876,000 $ 125,142 $ 32,000
Martin, Florida 7 $ 2,121,000 $ 303,000 $ 158,000
Pasco, Florida 7 $ 907,000 $ 129,571 $ 56,000
St. Lucie, Florida 7 $ 1,193,000 $ 170,428 $ 51,000
Walton, Florida 7 $ 3,674,000 $ 524,857 $ 379,000
Dawson, Georgia 7 $ 1,184,000 $ 169,142 $ 131,000
Gilmer, Georgia 7 $ 1,223,000 $ 174,714 $ 110,000
Glynn, Georgia 7 $ 750,000 $ 107,142 $ 43,000
McDuffie, Georgia 7 $ 780,000 $ 111,428 $ 43,000
Tift, Georgia 7 $ 696,000 $ 99,428 $ 56,000
Kootenai, Idaho 7 $ 1,172,000 $ 167,428 $ 56,000
Decatur, Indiana 7 $ 591,000 $ 84,428 $ 45,000
Jay, Indiana 7 $ 669,000 $ 95,571 $ 61,000
Cass, Iowa 7 $ 1,136,000 $ 162,285 $ 60,000
Oldham, Kentucky 7 $ 650,000 $ 92,857 $ 53,000
Lafayette, Louisiana 7 $ 509,000 $ 72,714 $ 73,000
Natchitoches, Louisiana 7 $ 1,045,000 $ 149,285 $ 65,000
Ouachita, Louisiana 7 $ 882,000 $ 126,000 $ 51,000
Rapides, Louisiana 7 $ 618,000 $ 88,285 $ 50,000
Calhoun, Michigan 7 $ 800,000 $ 114,285 $ 77,000
Ingham, Michigan 7 $ 1,316,000 $ 188,000 $ 118,000
Sanilac, Michigan 7 $ 798,000 $ 114,000 $ 43,000
Mille Lacs, Minnesota 7 $ 1,266,000 $ 180,857 $ 94,000
Morris, New Jersey 7 $ 2,420,000 $ 345,714 $ 104,000
Darke, Ohio 7 $ 761,000 $ 108,714 $ 44,000
Lebanon, Pennsylvania 7 $ 906,000 $ 129,428 $ 75,000
Sevier, Tennessee 7 $ 866,000 $ 123,714 $ 141,000
Smith, Tennessee 7 $ 652,000 $ 93,142 $ 34,000
Chesterfield, Virginia 7 $ 846,000 $ 120,857 $ 31,000
Broomfield, Colorado 6 $ 1,255,000 $ 209,166 $ 74,000
Grand, Colorado 6 $ 1,606,000 $ 267,666 $ 458,000
Park, Colorado 6 $ 828,000 $ 138,000 $ 82,000
Seminole, Florida 6 $ 1,656,000 $ 276,000 $ 150,000
Emanuel, Georgia 6 $ 578,000 $ 96,333 $ 52,000
Franklin, Georgia 6 $ 618,000 $ 103,000 $ 63,000
Long, Georgia 6 $ 626,000 $ 104,333 $ 42,000
Pickens, Georgia 6 $ 654,000 $ 109,000 $ 30,000
Bonner, Idaho 6 $ 759,000 $ 126,500 $ 52,000
Lake, Illinois 6 $ 1,459,000 $ 243,166 $ 130,000
Madison, Illinois 6 $ 1,113,000 $ 185,500 $ 94,000
Blackford, Indiana 6 $ 343,000 $ 57,166 $ 36,000
Brown, Indiana 6 $ 1,067,000 $ 177,833 $ 91,000
Howard, Indiana 6 $ 557,000 $ 92,833 $ 52,000
Jefferson, Indiana 6 $ 367,000 $ 61,166 $ 52,000
Lawrence, Indiana 6 $ 612,000 $ 102,000 $ 38,000
Linn, Iowa 6 $ 589,000 $ 98,166 $ 106,000
Hopkins, Kentucky 6 $ 546,000 $ 91,000 $ 43,000
Livingston, Louisiana 6 $ 376,000 $ 62,666 $ 53,000
Caroline, Maryland 6 $ 925,000 $ 154,166 $ 68,000
Gladwin, Michigan 6 $ 725,000 $ 120,833 $ 126,000
Benton, Minnesota 6 $ 763,000 $ 127,166 $ 52,000
Kanabec, Minnesota 6 $ 959,000 $ 159,833 $ 52,000
McLeod, Minnesota 6 $ 943,000 $ 157,166 $ 61,000
Sibley, Minnesota 6 $ 967,000 $ 161,166 $ 42,000
Forrest, Mississippi 6 $ 554,000 $ 92,333 $ 51,000
Rankin, Mississippi 6 $ 1,060,000 $ 176,666 $ 58,000
Stone, Mississippi 6 $ 443,000 $ 73,833 $ 34,000
Burlington, New Jersey 6 $ 1,010,000 $ 168,333 $ 85,000
New York, New York 6 $ 3,453,000 $ 575,500 $ 67,000
Golden Valley, North Dakota 6 $ 229,000 $ 38,166 $ 27,000
Defiance, Ohio 6 $ 622,000 $ 103,666 $ 64,000
Fulton, Ohio 6 $ 653,000 $ 108,833 $ 69,000
Schuylkill, Pennsylvania 6 $ 376,000 $ 62,666 $ 54,000
Anderson, South Carolina 6 $ 374,000 $ 62,333 $ 25,000
Rhea, Tennessee 6 $ 759,000 $ 126,500 $ 117,000
Loudoun, Virginia 6 $ 2,009,000 $ 334,833 $ 80,000
Prince William, Virginia 6 $ 2,307,000 $ 384,500 $ 148,000
Pierce, Wisconsin 6 $ 788,000 $ 131,333 $ 41,000
Elmore, Alabama 5 $ 544,000 $ 108,800 $ 45,000
Morgan, Alabama 5 $ 467,000 $ 93,400 $ 42,000
Colusa, California 5 $ 1,749,000 $ 349,800 $ 79,000
Citrus, Florida 5 $ 720,000 $ 144,000 $ 104,000
Levy, Florida 5 $ 449,000 $ 89,800 $ 47,000
Pinellas, Florida 5 $ 1,030,000 $ 206,000 $ 130,000
Wakulla, Florida 5 $ 690,000 $ 138,000 $ 69,000
Brooks, Georgia 5 $ 581,000 $ 116,200 $ 68,000
Bulloch, Georgia 5 $ 546,000 $ 109,200 $ 46,000
Columbia, Georgia 5 $ 631,000 $ 126,200 $ 38,000
Liberty, Georgia 5 $ 680,000 $ 136,000 $ 44,000
Gibson, Indiana 5 $ 460,000 $ 92,000 $ 43,000
Monroe, Indiana 5 $ 509,000 $ 101,800 $ 25,000
Montgomery, Indiana 5 $ 593,000 $ 118,600 $ 45,000
White, Indiana 5 $ 400,000 $ 80,000 $ 54,000
Boyd, Kentucky 5 $ 297,000 $ 59,400 $ 38,000
Laurel, Kentucky 5 $ 822,000 $ 164,400 $ 59,000
Plaquemines, Louisiana 5 $ 861,000 $ 172,200 $ 57,000
Wicomico, Maryland 5 $ 637,000 $ 127,400 $ 90,000
Middlesex, Massachusetts 5 $ 1,432,000 $ 286,400 $ 50,000
Worcester, Massachusetts 5 $ 827,000 $ 165,400 $ 48,000
Iosco, Michigan 5 $ 569,000 $ 113,800 $ 74,000
Shiawassee, Michigan 5 $ 687,000 $ 137,400 $ 43,000
Wexford, Michigan 5 $ 552,000 $ 110,400 $ 49,000
Meeker, Minnesota 5 $ 536,000 $ 107,200 $ 38,000
Pipestone, Minnesota 5 $ 407,000 $ 81,400 $ 36,000
Madison, Mississippi 5 $ 607,000 $ 121,400 $ 80,000
Pearl River, Mississippi 5 $ 441,000 $ 88,200 $ 52,000
Atlantic, New Jersey 5 $ 2,415,000 $ 483,000 $ 220,000
Dutchess, New York 5 $ 1,019,000 $ 203,800 $ 25,000
Westchester, New York 5 $ 1,839,000 $ 367,800 $ 152,000
Cumberland, North Carolina 5 $ 855,000 $ 171,000 $ 49,000
Guilford, North Carolina 5 $ 1,662,000 $ 332,400 $ 93,000
Bowman, North Dakota 5 $ 425,000 $ 85,000 $ 88,000
Clinton, Ohio 5 $ 579,000 $ 115,800 $ 54,000
Cuyahoga, Ohio 5 $ 507,000 $ 101,400 $ 53,000
Fairfield, Ohio 5 $ 772,000 $ 154,400 $ 60,000
Logan, Ohio 5 $ 522,000 $ 104,400 $ 37,000
Preble, Ohio 5 $ 586,000 $ 117,200 $ 50,000
Shelby, Ohio 5 $ 504,000 $ 100,800 $ 42,000
Aiken, South Carolina 5 $ 388,000 $ 77,600 $ 120,000
Spartanburg, South Carolina 5 $ 599,000 $ 119,800 $ 42,000
DeKalb, Tennessee 5 $ 545,000 $ 109,000 $ 15,000
Dickson, Tennessee 5 $ 329,000 $ 65,800 $ 23,000
Marshall, Tennessee 5 $ 520,000 $ 104,000 $ 45,000
King George, Virginia 5 $ 880,000 $ 176,000 $ 57,000
Spokane, Washington 5 $ 1,083,000 $ 216,600 $ 190,000
Cabell, West Virginia 5 $ 550,000 $ 110,000 $ 56,000
Outagamie, Wisconsin 5 $ 639,000 $ 127,800 $ 64,000
Racine, Wisconsin 5 $ 1,041,000 $ 208,200 $ 60,000
Waukesha, Wisconsin 5 $ 1,027,000 $ 205,400 $ 106,000
Autauga, Alabama 4 $ 473,000 $ 118,250 $ 60,000
Calhoun, Alabama 4 $ 531,000 $ 132,750 $ 52,000
Limestone, Alabama 4 $ 370,000 $ 92,500 $ 113,000
Russell, Alabama 4 $ 382,000 $ 95,500 $ 56,000
Glenn, California 4 $ 810,000 $ 202,500 $ 52,000
Humboldt, California 4 $ 659,000 $ 164,750 $ 28,000
Kings, California 4 $ 801,000 $ 200,250 $ 97,000
Marin, California 4 $ 2,083,000 $ 520,750 $ 77,000
Siskiyou, California 4 $ 410,000 $ 102,500 $ 39,000
Summit, Colorado 4 $ 1,089,000 $ 272,250 $ 108,000
Putnam, Florida 4 $ 318,000 $ 79,500 $ 44,000
Santa Rosa, Florida 4 $ 861,000 $ 215,250 $ 101,000
Effingham, Georgia 4 $ 342,000 $ 85,500 $ 37,000
Newton, Georgia 4 $ 388,000 $ 97,000 $ 36,000
Oconee, Georgia 4 $ 700,000 $ 175,000 $ 63,000
Polk, Georgia 4 $ 455,000 $ 113,750 $ 56,000
Spalding, Georgia 4 $ 447,000 $ 111,750 $ 83,000
Blaine, Idaho 4 $ 2,550,000 $ 637,500 $ 201,000
Clark, Indiana 4 $ 588,000 $ 147,000 $ 59,000
Franklin, Indiana 4 $ 605,000 $ 151,250 $ 78,000
Marshall, Indiana 4 $ 272,000 $ 68,000 $ 46,000
Wells, Indiana 4 $ 290,000 $ 72,500 $ 28,000
Marshall, Iowa 4 $ 217,000 $ 54,250 $ 118,000
Anderson, Kentucky 4 $ 415,000 $ 103,750 $ 44,000
Bourbon, Kentucky 4 $ 325,000 $ 81,250 $ 41,000
Clark, Kentucky 4 $ 544,000 $ 136,000 $ 69,000
Henderson, Kentucky 4 $ 278,000 $ 69,500 $ 49,000
Assumption, Louisiana 4 $ 407,000 $ 101,750 $ 111,000
Dorchester, Maryland 4 $ 2,006,000 $ 501,500 $ 209,000
Alcona, Michigan 4 $ 368,000 $ 92,000 $ 63,000
Antrim, Michigan 4 $ 749,000 $ 187,250 $ 53,000
Aitkin, Minnesota 4 $ 669,000 $ 167,250 $ 56,000
Becker, Minnesota 4 $ 335,000 $ 83,750 $ 72,000
Blue Earth, Minnesota 4 $ 475,000 $ 118,750 $ 71,000
Clearwater, Minnesota 4 $ 1,247,000 $ 311,750 $ 143,000
Fillmore, Minnesota 4 $ 246,000 $ 61,500 $ 53,000
Morrison, Minnesota 4 $ 396,000 $ 99,000 $ 71,000
Pennington, Minnesota 4 $ 357,000 $ 89,250 $ 35,000
St. Louis City, Missouri 4 $ 483,000 $ 120,750 $ 61,000
Douglas, Nebraska 4 $ 375,000 $ 93,750 $ 29,000
Hillsborough, New Hampshire 4 $ 679,000 $ 169,750 $ 56,000
Sussex, New Jersey 4 $ 878,000 $ 219,500 $ 63,000
Duplin, North Carolina 4 $ 418,000 $ 104,500 $ 45,000
Union, North Carolina 4 $ 545,000 $ 136,250 $ 70,000
Delaware, Ohio 4 $ 701,000 $ 175,250 $ 36,000
Union, Ohio 4 $ 400,000 $ 100,000 $ 47,000
Luzerne, Pennsylvania 4 $ 438,000 $ 109,500 $ 54,000
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Mortgage Loan Application Detail Totals for Nbank, N.A. 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 9,010 $1,793,723,000 $182,979 $2,700,000 $83,041 $2,512,000
Home Purchase 7,175 $1,241,430,000 $171,765 $3,000,000 $78,617 $2,431,000
Home Improvement 29 $1,446,000 $94,833 $221,000 $67,833 $143,000

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 12,111 $2,122,184,000 $181,239 $3,000,000 $82,065 $2,512,000
Black or African American 1,416 $244,764,000 $165,157 $2,450,000 $70,710 $923,000
Hispanic 973 $220,061,000 $161,972 $1,000,000 $63,243 $556,000
Asian 814 $235,570,000 $202,965 $1,256,000 $101,103 $1,320,000
Not Provided 760 $181,300,000 $188,512 $2,914,000 $75,512 $1,726,000
Native Hawaiian or Other Pacific Islander 95 $24,429,000 $217,062 $780,000 $104,062 $480,000
American Indian or Alaskan Native 45 $8,291,000 $141,812 $480,000 $71,875 $167,000
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) 13,767 $2,740,138,000 $177,306 $3,000,000 $89,183 $2,512,000
FHA-insured (Federal Housing Administration) 1,986 $230,220,000 $140,500 $436,000 $38,973 $1,200,000
VA-guaranteed (Veterans Administration) 461 $66,241,000 $166,407 $360,000 $55,296 $2,400,000
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 9,699 $1,767,609,000 $176,744 $2,000,000 $82,127 $2,512,000
Application Denied By Financial Institution 2,276 $479,718,000 $178,536 $3,000,000 $78,146 $1,726,000
Application Approved But Not Accepted 1,963 $428,570,000 $178,785 $2,450,000 $77,142 $2,431,000
Loan Purchased By The Institution 1,318 $209,056,000 $162,090 $1,500,000 $84,818 $2,400,000
Application Withdrawn By Applicant 624 $95,649,000 $156,900 $2,100,000 $63,500 $943,000
File Closed For Incompleteness 334 $55,997,000 $180,576 $1,465,000 $105,461 $1,198,000
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 678 $129,432,000 $179,162 $1,155,000 $73,486 $720,000
Debt-To-Income Ratio 476 $102,113,000 $208,676 $1,418,000 $82,647 $624,000
Collateral 387 $81,121,000 $216,875 $3,000,000 $100,250 $1,726,000
Other 231 $41,599,000 $184,606 $1,430,000 $77,848 $1,428,000
Credit Application Incomplete 215 $53,966,000 $196,107 $1,275,000 $75,678 $731,000
Unverifiable Information 144 $37,646,000 $183,040 $2,308,000 $76,440 $923,000
Employment History 109 $27,386,000 $168,423 $1,000,000 $92,923 $354,000
Insufficient Cash (Downpayment, Closing Cost) 33 $5,474,000 $141,437 $430,000 $82,187 $480,000
Mortgage Insurance Denied 3 $981,000 $327,000 $686,000 $116,666 $144,000

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