Nbank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Nbank, N.A. 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | 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 | $153,134 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $52,793 |
| Highest Applicant Income | $3,116,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Nbank, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Nbank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Nbank, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Nbank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Nbank, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Nbank, N.A.'s mortgage activity for 2004.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 1,129 | $ 180,755,000 | $ 160,000 | $ 56,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 836 | $ 187,598,000 | $ 224,000 | $ 87,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 713 | $ 87,656,000 | $ 122,000 | $ 48,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 543 | $ 100,277,000 | $ 184,000 | $ 43,000 |
| CLARKSVILLE, TN-KY | 495 | $ 55,202,000 | $ 111,000 | $ 42,000 |
| INDIANAPOLIS, IN | 419 | $ 54,807,000 | $ 130,000 | $ 64,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 393 | $ 51,850,000 | $ 131,000 | $ 98,000 |
| BALTIMORE-TOWSON, MD | 273 | $ 53,726,000 | $ 196,000 | $ 67,000 |
| DENVER-AURORA, CO | 265 | $ 50,219,000 | $ 189,000 | $ 55,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 224 | $ 26,479,000 | $ 118,000 | $ 44,000 |
| DAYTON, OH | 189 | $ 21,361,000 | $ 113,000 | $ 42,000 |
| LEXINGTON-FAYETTE, KY | 188 | $ 23,370,000 | $ 124,000 | $ 52,000 |
| LAS VEGAS-PARADISE, NV | 181 | $ 32,866,000 | $ 181,000 | $ 55,000 |
| STOCKTON, CA | 159 | $ 34,812,000 | $ 218,000 | $ 80,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 132 | $ 40,611,000 | $ 307,000 | $ 92,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 124 | $ 16,173,000 | $ 130,000 | $ 55,000 |
| LOUISVILLE, KY-IN | 110 | $ 13,318,000 | $ 121,000 | $ 48,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 110 | $ 14,707,000 | $ 133,000 | $ 28,000 |
| MUNCIE, IN | 107 | $ 8,169,000 | $ 76,000 | $ 50,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 106 | $ 21,505,000 | $ 202,000 | $ 86,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 91 | $ 31,390,000 | $ 344,000 | $ 108,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 82 | $ 21,328,000 | $ 260,000 | $ 72,000 |
| ATHENS-CLARKE COUNTY, GA | 73 | $ 7,219,000 | $ 98,000 | $ 53,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 64 | $ 9,488,000 | $ 148,000 | $ 54,000 |
| COLUMBUS, OH | 58 | $ 7,415,000 | $ 127,000 | $ 47,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 54 | $ 11,747,000 | $ 217,000 | $ 60,000 |
| GAINESVILLE, GA | 53 | $ 6,821,000 | $ 128,000 | $ 62,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 50 | $ 11,227,000 | $ 224,000 | $ 54,000 |
| MEMPHIS, TN-MS-AR | 46 | $ 3,646,000 | $ 79,000 | $ 60,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 43 | $ 2,556,000 | $ 59,000 | $ 42,000 |
| WILMINGTON, DE-MD-NJ | 41 | $ 6,665,000 | $ 162,000 | $ 43,000 |
| HARRISBURG-CARLISLE, PA | 39 | $ 4,800,000 | $ 123,000 | $ 50,000 |
| YUBA CITY, CA | 39 | $ 6,969,000 | $ 178,000 | $ 64,000 |
| BIRMINGHAM-HOOVER, AL | 38 | $ 4,280,000 | $ 112,000 | $ 35,000 |
| BRUNSWICK, GA | 38 | $ 5,444,000 | $ 143,000 | $ 88,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 38 | $ 5,148,000 | $ 135,000 | $ 54,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 37 | $ 4,748,000 | $ 128,000 | $ 125,000 |
| VALLEJO-FAIRFIELD, CA | 35 | $ 8,902,000 | $ 254,000 | $ 82,000 |
| COLUMBIA, SC | 34 | $ 3,875,000 | $ 113,000 | $ 28,000 |
| JACKSONVILLE, FL | 34 | $ 4,457,000 | $ 131,000 | $ 35,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 33 | $ 6,217,000 | $ 188,000 | $ 94,000 |
| YORK-HANOVER, PA | 33 | $ 3,486,000 | $ 105,000 | $ 50,000 |
| LAFAYETTE, IN | 32 | $ 3,432,000 | $ 107,000 | $ 68,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 31 | $ 5,105,000 | $ 164,000 | $ 35,000 |
| DES MOINES, IA | 30 | $ 3,834,000 | $ 127,000 | $ 55,000 |
| KNOXVILLE, TN | 30 | $ 5,509,000 | $ 183,000 | $ 66,000 |
| RALEIGH-CARY, NC | 27 | $ 3,200,000 | $ 118,000 | $ 27,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 26 | $ 3,588,000 | $ 138,000 | $ 45,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 26 | $ 8,566,000 | $ 329,000 | $ 92,000 |
| SHREVEPORT-BOSSIER CITY, LA | 26 | $ 3,064,000 | $ 117,000 | $ 54,000 |
| ST. CLOUD, MN | 26 | $ 3,419,000 | $ 131,000 | $ 27,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 25 | $ 3,482,000 | $ 139,000 | $ 38,000 |
| ORLANDO, FL | 24 | $ 2,713,000 | $ 113,000 | $ 9,000 |
| CHARLESTON, WV | 23 | $ 2,081,000 | $ 90,000 | $ 44,000 |
| RENO-SPARKS, NV | 23 | $ 6,561,000 | $ 285,000 | $ 112,000 |
| RICHMOND, VA | 23 | $ 3,260,000 | $ 141,000 | $ 58,000 |
| SALT LAKE CITY, UT | 23 | $ 3,572,000 | $ 155,000 | $ 72,000 |
| ANDERSON, IN | 22 | $ 1,875,000 | $ 85,000 | $ 37,000 |
| COLORADO SPRINGS, CO | 22 | $ 3,303,000 | $ 150,000 | $ 14,000 |
| KOKOMO, IN | 22 | $ 1,707,000 | $ 77,000 | $ 54,000 |
| ROME, GA | 22 | $ 2,622,000 | $ 119,000 | $ 48,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 22 | $ 4,790,000 | $ 217,000 | $ 67,000 |
| TOLEDO, OH | 22 | $ 2,303,000 | $ 104,000 | $ 41,000 |
| GREENVILLE, SC | 21 | $ 2,455,000 | $ 116,000 | $ 23,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 20 | $ 2,739,000 | $ 136,000 | $ 60,000 |
| MODESTO, CA | 20 | $ 3,700,000 | $ 185,000 | $ 62,000 |
| BLOOMINGTON, IN | 19 | $ 1,992,000 | $ 104,000 | $ 61,000 |
| CHICO, CA | 19 | $ 2,964,000 | $ 156,000 | $ 57,000 |
| CHATTANOOGA, TN-GA | 18 | $ 1,684,000 | $ 93,000 | $ 45,000 |
| DULUTH, MN-WI | 18 | $ 2,682,000 | $ 149,000 | $ 3,000 |
| GARY, IN | 18 | $ 2,163,000 | $ 120,000 | $ 57,000 |
| SAVANNAH, GA | 18 | $ 2,146,000 | $ 119,000 | $ 50,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 17 | $ 5,538,000 | $ 325,000 | $ 148,000 |
| BOULDER, CO | 16 | $ 3,869,000 | $ 241,000 | $ 70,000 |
| BURLINGTON, NC | 15 | $ 1,882,000 | $ 125,000 | $ 38,000 |
| FAYETTEVILLE, NC | 15 | $ 1,510,000 | $ 100,000 | $ 21,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 15 | $ 2,503,000 | $ 166,000 | $ 19,000 |
| GREENSBORO-HIGH POINT, NC | 15 | $ 1,782,000 | $ 118,000 | $ 25,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 15 | $ 1,934,000 | $ 128,000 | $ 32,000 |
| ELKHART-GOSHEN, IN | 14 | $ 1,342,000 | $ 95,000 | $ 70,000 |
| HUNTSVILLE, AL | 14 | $ 1,527,000 | $ 109,000 | $ 66,000 |
| ST. GEORGE, UT | 14 | $ 2,103,000 | $ 150,000 | $ 61,000 |
| BOWLING GREEN, KY | 13 | $ 1,477,000 | $ 113,000 | $ 54,000 |
| MACON, GA | 13 | $ 1,140,000 | $ 87,000 | $ 38,000 |
| OGDEN-CLEARFIELD, UT | 13 | $ 2,381,000 | $ 183,000 | $ 68,000 |
| PHILADELPHIA, PA | 13 | $ 2,002,000 | $ 154,000 | $ 88,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 13 | $ 4,039,000 | $ 310,000 | $ 95,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 13 | $ 3,539,000 | $ 272,000 | $ 68,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 12 | $ 1,635,000 | $ 136,000 | $ 12,000 |
| KANSAS CITY, MO-KS | 12 | $ 1,473,000 | $ 122,000 | $ 26,000 |
| MORRISTOWN, TN | 12 | $ 1,250,000 | $ 104,000 | $ 53,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 12 | $ 2,461,000 | $ 205,000 | $ 37,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 12 | $ 3,552,000 | $ 296,000 | $ 71,000 |
| SPARTANBURG, SC | 12 | $ 1,339,000 | $ 111,000 | $ 28,000 |
| SPRINGFIELD, OH | 12 | $ 1,275,000 | $ 106,000 | $ 41,000 |
| ANN ARBOR, MI | 11 | $ 2,554,000 | $ 232,000 | $ 113,000 |
| BAKERSFIELD, CA | 11 | $ 2,064,000 | $ 187,000 | $ 79,000 |
| GREELEY, CO | 11 | $ 2,205,000 | $ 200,000 | $ 40,000 |
| KALAMAZOO-PORTAGE, MI | 11 | $ 1,611,000 | $ 146,000 | $ 43,000 |
| LAKE CHARLES, LA | 11 | $ 1,285,000 | $ 116,000 | $ 90,000 |
| NASSAU-SUFFOLK, NY | 11 | $ 2,441,000 | $ 221,000 | $ 35,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 11 | $ 803,000 | $ 73,000 | $ 35,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 10 | $ 1,481,000 | $ 148,000 | $ 37,000 |
| FORT COLLINS-LOVELAND, CO | 10 | $ 2,015,000 | $ 201,000 | $ 49,000 |
| FORT WAYNE, IN | 10 | $ 952,000 | $ 95,000 | $ 46,000 |
| OWENSBORO, KY | 10 | $ 961,000 | $ 96,000 | $ 23,000 |
| READING, PA | 10 | $ 1,370,000 | $ 137,000 | $ 134,000 |
| TACOMA, WA | 10 | $ 1,654,000 | $ 165,000 | $ 62,000 |
| WHEELING, WV-OH | 10 | $ 776,000 | $ 77,000 | $ 48,000 |
| COLUMBUS, GA-AL | 9 | $ 1,147,000 | $ 127,000 | $ 48,000 |
| FRESNO, CA | 9 | $ 1,446,000 | $ 160,000 | $ 50,000 |
| LAFAYETTE, LA | 9 | $ 862,000 | $ 95,000 | $ 37,000 |
| ROCHESTER, MN | 9 | $ 1,043,000 | $ 115,000 | $ 13,000 |
| ALBANY, GA | 8 | $ 726,000 | $ 90,000 | $ 41,000 |
| BATON ROUGE, LA | 8 | $ 1,181,000 | $ 147,000 | $ 77,000 |
| DOTHAN, AL | 8 | $ 798,000 | $ 99,000 | $ 56,000 |
| EVANSVILLE, IN-KY | 8 | $ 733,000 | $ 91,000 | $ 50,000 |
| GRAND RAPIDS-WYOMING, MI | 8 | $ 995,000 | $ 124,000 | $ 18,000 |
| HANFORD-CORCORAN, CA | 8 | $ 938,000 | $ 117,000 | $ 60,000 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 8 | $ 715,000 | $ 89,000 | $ 46,000 |
| LANCASTER, PA | 8 | $ 1,134,000 | $ 141,000 | $ 30,000 |
| LYNCHBURG, VA | 8 | $ 641,000 | $ 80,000 | $ 49,000 |
| MOBILE, AL | 8 | $ 888,000 | $ 111,000 | $ 49,000 |
| MONTGOMERY, AL | 8 | $ 784,000 | $ 98,000 | $ 36,000 |
| NILES-BENTON HARBOR, MI | 8 | $ 369,000 | $ 46,000 | $ 47,000 |
| PARKERSBURG-MARIETTA, WV-OH | 8 | $ 841,000 | $ 105,000 | $ 45,000 |
| ST. LOUIS, MO-IL | 8 | $ 967,000 | $ 120,000 | $ 3,000 |
| ANDERSON, SC | 7 | $ 1,081,000 | $ 154,000 | $ 24,000 |
| CEDAR RAPIDS, IA | 7 | $ 629,000 | $ 89,000 | $ 0 |
| MADERA, CA | 7 | $ 1,474,000 | $ 210,000 | $ 43,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 7 | $ 1,226,000 | $ 175,000 | $ 35,000 |
| PANAMA CITY-LYNN HAVEN, FL | 7 | $ 759,000 | $ 108,000 | $ 36,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 7 | $ 940,000 | $ 134,000 | $ 12,000 |
| SANTA CRUZ-WATSONVILLE, CA | 7 | $ 3,280,000 | $ 468,000 | $ 114,000 |
| VISALIA-PORTERVILLE, CA | 7 | $ 1,426,000 | $ 203,000 | $ 28,000 |
| WINSTON-SALEM, NC | 7 | $ 815,000 | $ 116,000 | $ 18,000 |
| BOSTON-QUINCY, MA | 6 | $ 1,553,000 | $ 258,000 | $ 50,000 |
| CARSON CITY, NV | 6 | $ 1,135,000 | $ 189,000 | $ 73,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 6 | $ 762,000 | $ 127,000 | $ 44,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 6 | $ 599,000 | $ 99,000 | $ 37,000 |
| NEWARK-UNION, NJ-PA | 6 | $ 1,774,000 | $ 295,000 | $ 53,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 6 | $ 873,000 | $ 145,000 | $ 52,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 6 | $ 1,490,000 | $ 248,000 | $ 58,000 |
| SARASOTA-BRADENTON-VENICE, FL | 6 | $ 760,000 | $ 126,000 | $ 15,000 |
| TERRE HAUTE, IN | 6 | $ 506,000 | $ 84,000 | $ 66,000 |
| TUCSON, AZ | 6 | $ 825,000 | $ 137,000 | $ 22,000 |
| WARNER ROBINS, GA | 6 | $ 828,000 | $ 138,000 | $ 58,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 6 | $ 825,000 | $ 137,000 | $ 47,000 |
| AKRON, OH | 5 | $ 520,000 | $ 104,000 | $ 29,000 |
| AUSTIN-ROUND ROCK, TX | 5 | $ 636,000 | $ 127,000 | $ 27,000 |
| DURHAM, NC | 5 | $ 518,000 | $ 103,000 | $ 20,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 5 | $ 1,316,000 | $ 263,000 | $ 42,000 |
| FORT WORTH-ARLINGTON, TX | 5 | $ 554,000 | $ 110,000 | $ 16,000 |
| GULFPORT-BILOXI, MS | 5 | $ 902,000 | $ 180,000 | $ 29,000 |
| HICKORY-LENOIR-MORGANTON, NC | 5 | $ 433,000 | $ 86,000 | $ 35,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 5 | $ 742,000 | $ 148,000 | $ 9,000 |
| LANSING-EAST LANSING, MI | 5 | $ 819,000 | $ 163,000 | $ 85,000 |
| LITTLE ROCK-NORTH LITTLE ROCK, AR | 5 | $ 524,000 | $ 104,000 | $ 41,000 |
| MERCED, CA | 5 | $ 823,000 | $ 164,000 | $ 52,000 |
| MICHIGAN CITY-LA PORTE, IN | 5 | $ 547,000 | $ 109,000 | $ 51,000 |
| NAPA, CA | 5 | $ 1,201,000 | $ 240,000 | $ 84,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 5 | $ 1,231,000 | $ 246,000 | $ 38,000 |
| PROVO-OREM, UT | 5 | $ 605,000 | $ 121,000 | $ 26,000 |
| WILMINGTON, NC | 5 | $ 561,000 | $ 112,000 | $ 90,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 5 | $ 461,000 | $ 92,000 | $ 39,000 |
| ALBUQUERQUE, NM | 4 | $ 655,000 | $ 163,000 | $ 29,000 |
| AUBURN-OPELIKA, AL | 4 | $ 489,000 | $ 122,000 | $ 38,000 |
| BAY CITY, MI | 4 | $ 299,000 | $ 74,000 | $ 46,000 |
| DALLAS-PLANO-IRVING, TX | 4 | $ 521,000 | $ 130,000 | $ 0 |
| EUGENE-SPRINGFIELD, OR | 4 | $ 489,000 | $ 122,000 | $ 0 |
| FLINT, MI | 4 | $ 618,000 | $ 154,000 | $ 57,000 |
| GREENVILLE, NC | 4 | $ 306,000 | $ 76,000 | $ 35,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 4 | $ 659,000 | $ 164,000 | $ 0 |
| HINESVILLE-FORT STEWART, GA | 4 | $ 383,000 | $ 95,000 | $ 33,000 |
| LAKELAND, FL | 4 | $ 452,000 | $ 113,000 | $ 8,000 |
| MONROE, LA | 4 | $ 273,000 | $ 68,000 | $ 45,000 |
| MONROE, MI | 4 | $ 675,000 | $ 168,000 | $ 63,000 |
| OCALA, FL | 4 | $ 447,000 | $ 111,000 | $ 57,000 |
| OKLAHOMA CITY, OK | 4 | $ 528,000 | $ 132,000 | $ 8,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 4 | $ 560,000 | $ 140,000 | $ 4,000 |
| ROCKY MOUNT, NC | 4 | $ 434,000 | $ 108,000 | $ 28,000 |
| SALINAS, CA | 4 | $ 1,508,000 | $ 377,000 | $ 81,000 |
| SAN ANTONIO, TX | 4 | $ 375,000 | $ 93,000 | $ 6,000 |
| SANTA ROSA-PETALUMA, CA | 4 | $ 1,131,000 | $ 282,000 | $ 93,000 |
| AMES, IA | 3 | $ 350,000 | $ 116,000 | $ 59,000 |
| ANCHORAGE, AK | 3 | $ 579,000 | $ 193,000 | $ 50,000 |
| ASHEVILLE, NC | 3 | $ 400,000 | $ 133,000 | $ 29,000 |
| BREMERTON-SILVERDALE, WA | 3 | $ 482,000 | $ 160,000 | $ 31,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 3 | $ 386,000 | $ 128,000 | $ 17,000 |
| CAMDEN, NJ | 3 | $ 642,000 | $ 214,000 | $ 63,000 |
| CAPE CORAL-FORT MYERS, FL | 3 | $ 611,000 | $ 203,000 | $ 91,000 |
| CLEVELAND, TN | 3 | $ 309,000 | $ 103,000 | $ 52,000 |
| ELIZABETHTOWN, KY | 3 | $ 349,000 | $ 116,000 | $ 65,000 |
| ESSEX COUNTY, MA | 3 | $ 609,000 | $ 203,000 | $ 32,000 |
| FLORENCE, SC | 3 | $ 166,000 | $ 55,000 | $ 103,000 |
| FLORENCE-MUSCLE SHOALS, AL | 3 | $ 229,000 | $ 76,000 | $ 68,000 |
| GAINESVILLE, FL | 3 | $ 266,000 | $ 88,000 | $ 58,000 |
| GRAND JUNCTION, CO | 3 | $ 317,000 | $ 105,000 | $ 48,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 3 | $ 189,000 | $ 63,000 | $ 46,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 359,000 | $ 119,000 | $ 38,000 |
| PRESCOTT, AZ | 3 | $ 326,000 | $ 108,000 | $ 93,000 |
| PUEBLO, CO | 3 | $ 378,000 | $ 126,000 | $ 72,000 |
| RAPID CITY, SD | 3 | $ 402,000 | $ 134,000 | $ 91,000 |
| REDDING, CA | 3 | $ 646,000 | $ 215,000 | $ 131,000 |
| SALISBURY, MD | 3 | $ 288,000 | $ 96,000 | $ 36,000 |
| TUSCALOOSA, AL | 3 | $ 310,000 | $ 103,000 | $ 53,000 |
| WORCESTER, MA | 3 | $ 582,000 | $ 194,000 | $ 0 |
| ANNISTON-OXFORD, AL | 2 | $ 328,000 | $ 164,000 | $ 41,000 |
| CHARLOTTESVILLE, VA | 2 | $ 275,000 | $ 137,000 | $ 77,000 |
| DALTON, GA | 2 | $ 189,000 | $ 94,000 | $ 34,000 |
| HOLLAND-GRAND HAVEN, MI | 2 | $ 283,000 | $ 141,000 | $ 37,000 |
| HONOLULU, HI | 2 | $ 379,000 | $ 189,000 | $ 0 |
| JACKSON, MS | 2 | $ 267,000 | $ 133,000 | $ 0 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 2 | $ 282,000 | $ 141,000 | $ 76,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 2 | $ 151,000 | $ 75,000 | $ 59,000 |
| LOGAN, UT-ID | 2 | $ 127,000 | $ 63,000 | $ 0 |
| MANCHESTER-NASHUA, NH | 2 | $ 288,000 | $ 144,000 | $ 65,000 |
| OLYMPIA, WA | 2 | $ 329,000 | $ 164,000 | $ 42,000 |
| PEORIA, IL | 2 | $ 211,000 | $ 105,000 | $ 0 |
| PITTSBURGH, PA | 2 | $ 230,000 | $ 115,000 | $ 51,000 |
| ROANOKE, VA | 2 | $ 422,000 | $ 211,000 | $ 93,000 |
| SPOKANE, WA | 2 | $ 289,000 | $ 144,000 | $ 26,000 |
| SPRINGFIELD, MA | 2 | $ 227,000 | $ 113,000 | $ 0 |
| TALLAHASSEE, FL | 2 | $ 239,000 | $ 119,000 | $ 28,000 |
| VERO BEACH, FL | 2 | $ 602,000 | $ 301,000 | $ 30,000 |
| WAUSAU, WI | 2 | $ 138,000 | $ 69,000 | $ 59,000 |
| ALEXANDRIA, LA | 1 | $ 60,000 | $ 60,000 | $ 42,000 |
| BILLINGS, MT | 1 | $ 95,000 | $ 95,000 | $ 0 |
| BLOOMINGTON-NORMAL, IL | 1 | $ 114,000 | $ 114,000 | $ 68,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 1 | $ 103,000 | $ 103,000 | $ 60,000 |
| CANTON-MASSILLON, OH | 1 | $ 131,000 | $ 131,000 | $ 0 |
| CASPER, WY | 1 | $ 232,000 | $ 232,000 | $ 147,000 |
| CHEYENNE, WY | 1 | $ 126,000 | $ 126,000 | $ 70,000 |
| COLUMBUS, IN | 1 | $ 61,000 | $ 61,000 | $ 24,000 |
| DECATUR, AL | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| EDISON, NJ | 1 | $ 154,000 | $ 154,000 | $ 0 |
| EL CENTRO, CA | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| GOLDSBORO, NC | 1 | $ 98,000 | $ 98,000 | $ 0 |
| GREAT FALLS, MT | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 1 | $ 126,000 | $ 126,000 | $ 71,000 |
| JACKSON, TN | 1 | $ 83,000 | $ 83,000 | $ 27,000 |
| JACKSONVILLE, NC | 1 | $ 78,000 | $ 78,000 | $ 40,000 |
| JANESVILLE, WI | 1 | $ 111,000 | $ 111,000 | $ 23,000 |
| JOHNSON CITY, TN | 1 | $ 77,000 | $ 77,000 | $ 34,000 |
| JOPLIN, MO | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| KENNEWICK-RICHLAND-PASCO, WA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| LIMA, OH | 1 | $ 121,000 | $ 121,000 | $ 50,000 |
| LINCOLN, NE | 1 | $ 166,000 | $ 166,000 | $ 0 |
| MANSFIELD, OH | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| MISSOULA, MT | 1 | $ 123,000 | $ 123,000 | $ 0 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 162,000 | $ 162,000 | $ 0 |
| NAPLES-MARCO ISLAND, FL | 1 | $ 118,000 | $ 118,000 | $ 0 |
| NEW HAVEN-MILFORD, CT | 1 | $ 190,000 | $ 190,000 | $ 114,000 |
| OCEAN CITY, NJ | 1 | $ 248,000 | $ 248,000 | $ 89,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 243,000 | $ 243,000 | $ 0 |
| OSHKOSH-NEENAH, WI | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 1 | $ 94,000 | $ 94,000 | $ 0 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 1 | $ 188,000 | $ 188,000 | $ 0 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 1 | $ 181,000 | $ 181,000 | $ 0 |
| PUNTA GORDA, FL | 1 | $ 248,000 | $ 248,000 | $ 108,000 |
| ROCHESTER, NY | 1 | $ 509,000 | $ 509,000 | $ 148,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 1 | $ 29,000 | $ 29,000 | $ 35,000 |
| SALEM, OR | 1 | $ 103,000 | $ 103,000 | $ 64,000 |
| SANDUSKY, OH | 1 | $ 71,000 | $ 71,000 | $ 41,000 |
| SANTA FE, NM | 1 | $ 180,000 | $ 180,000 | $ 94,000 |
| SPRINGFIELD, IL | 1 | $ 123,000 | $ 123,000 | $ 0 |
| SPRINGFIELD, MO | 1 | $ 107,000 | $ 107,000 | $ 32,000 |
| SUMTER, SC | 1 | $ 355,000 | $ 355,000 | $ 111,000 |
| TULSA, OK | 1 | $ 100,000 | $ 100,000 | $ 0 |
| VALDOSTA, GA | 1 | $ 70,000 | $ 70,000 | $ 28,000 |
| WATERLOO-CEDAR FALLS, IA | 1 | $ 120,000 | $ 120,000 | $ 63,000 |
| WICHITA, KS | 1 | $ 119,000 | $ 119,000 | $ 103,000 |
| YUMA, AZ | 1 | $ 103,000 | $ 103,000 | $ 0 |
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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.