Nl Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Nl Inc 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 | Nl Inc 2175 N California Blvd Walnut Creek, CA 94596 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,595 |
| Total Mortgage Loan Application Amount | $1,615,051,000 |
| Average Mortgage Loan Application Amount | $266,931 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $131,034 |
| Highest Applicant Income | $2,662,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Nl Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Nl Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Nl Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Nl Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Nl Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Nl Inc's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Contra Costa County California | 1,492 | $ 593,638,000 | $ 397,000 | $ 137,000 |
| Alameda County California | 959 | $ 375,293,000 | $ 391,000 | $ 201,000 |
| Merced County California | 219 | $ 37,129,000 | $ 169,000 | $ 69,000 |
| Sacramento County California | 214 | $ 46,351,000 | $ 216,000 | $ 90,000 |
| Stanislaus County California | 178 | $ 29,765,000 | $ 167,000 | $ 82,000 |
| San Francisco County California | 165 | $ 80,240,000 | $ 486,000 | $ 211,000 |
| Solano County California | 128 | $ 37,138,000 | $ 290,000 | $ 200,000 |
| Marin County California | 124 | $ 53,760,000 | $ 433,000 | $ 174,000 |
| Santa Clara County California | 97 | $ 41,433,000 | $ 427,000 | $ 165,000 |
| San Joaquin County California | 93 | $ 19,891,000 | $ 213,000 | $ 86,000 |
| San Mateo County California | 92 | $ 49,477,000 | $ 537,000 | $ 194,000 |
| Placer County California | 70 | $ 23,851,000 | $ 340,000 | $ 199,000 |
| Los Angeles County California | 50 | $ 15,310,000 | $ 306,000 | $ 95,000 |
| Santa Cruz County California | 47 | $ 19,097,000 | $ 406,000 | $ 142,000 |
| Sonoma County California | 45 | $ 15,693,000 | $ 348,000 | $ 179,000 |
| Monterey County California | 39 | $ 18,059,000 | $ 463,000 | $ 147,000 |
| Yolo County California | 29 | $ 7,790,000 | $ 268,000 | $ 107,000 |
| El Dorado County California | 28 | $ 9,355,000 | $ 334,000 | $ 97,000 |
| Riverside County California | 27 | $ 7,873,000 | $ 291,000 | $ 243,000 |
| Orange County California | 26 | $ 7,652,000 | $ 294,000 | $ 118,000 |
| Fresno County California | 21 | $ 3,999,000 | $ 190,000 | $ 140,000 |
| Napa County California | 20 | $ 6,532,000 | $ 326,000 | $ 160,000 |
| Calaveras County California | 19 | $ 4,735,000 | $ 249,000 | $ 152,000 |
| Nevada County California | 18 | $ 4,908,000 | $ 272,000 | $ 165,000 |
| San Bernardino County California | 18 | $ 4,252,000 | $ 236,000 | $ 87,000 |
| San Diego County California | 16 | $ 5,484,000 | $ 342,000 | $ 140,000 |
| Clark County Nevada | 13 | $ 4,060,000 | $ 312,000 | $ 128,000 |
| Washoe County Nevada | 13 | $ 4,493,000 | $ 345,000 | $ 181,000 |
| Shasta County California | 10 | $ 1,596,000 | $ 159,000 | $ 133,000 |
| Butte County California | 9 | $ 1,719,000 | $ 191,000 | $ 72,000 |
| San Luis Obispo County California | 9 | $ 4,250,000 | $ 472,000 | $ 201,000 |
| Tulare County California | 9 | $ 1,294,000 | $ 143,000 | $ 83,000 |
| Madera County California | 8 | $ 1,321,000 | $ 165,000 | $ 77,000 |
| Tuolumne County California | 7 | $ 1,506,000 | $ 215,000 | $ 135,000 |
| Amador County California | 6 | $ 1,125,000 | $ 187,000 | $ 306,000 |
| Kern County California | 6 | $ 821,000 | $ 136,000 | $ 55,000 |
| Deschutes County Oregon | 6 | $ 1,433,000 | $ 238,000 | $ 385,000 |
| Santa Barbara County California | 5 | $ 1,840,000 | $ 368,000 | $ 94,000 |
| Ventura County California | 5 | $ 1,817,000 | $ 363,000 | $ 119,000 |
| Fairfax County Virginia | 5 | $ 1,667,000 | $ 333,000 | $ 182,000 |
| Lake County California | 4 | $ 844,000 | $ 211,000 | $ 100,000 |
| Maui County Hawaii | 4 | $ 1,121,000 | $ 280,000 | $ 126,000 |
| Clackamas County Oregon | 4 | $ 1,001,000 | $ 250,000 | $ 88,000 |
| Loudoun County Virginia | 4 | $ 1,655,000 | $ 413,000 | $ 124,000 |
| Clark County Washington | 4 | $ 662,000 | $ 165,000 | $ 65,000 |
| Kings County California | 3 | $ 405,000 | $ 135,000 | $ 49,000 |
| San Benito County California | 3 | $ 1,167,000 | $ 389,000 | $ 87,000 |
| Yuba County California | 3 | $ 465,000 | $ 155,000 | $ 83,000 |
| El Paso County Colorado | 3 | $ 314,000 | $ 104,000 | $ 102,000 |
| Gunnison County Colorado | 3 | $ 924,000 | $ 308,000 | $ 183,000 |
| Honolulu County Hawaii | 3 | $ 349,000 | $ 116,000 | $ 77,000 |
| Klamath County Oregon | 3 | $ 249,000 | $ 83,000 | $ 185,000 |
| Washington County Oregon | 3 | $ 780,000 | $ 260,000 | $ 88,000 |
| King County Washington | 3 | $ 1,945,000 | $ 648,000 | $ 197,000 |
| Snohomish County Washington | 3 | $ 734,000 | $ 244,000 | $ 112,000 |
| Humboldt County California | 2 | $ 290,000 | $ 145,000 | $ 126,000 |
| Lassen County California | 2 | $ 132,000 | $ 66,000 | $ 71,000 |
| Mariposa County California | 2 | $ 583,000 | $ 291,000 | $ 76,000 |
| Plumas County California | 2 | $ 620,000 | $ 310,000 | $ 197,000 |
| Siskiyou County California | 2 | $ 357,000 | $ 178,000 | $ 103,000 |
| Sutter County California | 2 | $ 515,000 | $ 257,000 | $ 105,000 |
| Cherokee County Georgia | 2 | $ 303,000 | $ 151,000 | $ 32,000 |
| Clarke County Georgia | 2 | $ 391,000 | $ 195,000 | $ 187,000 |
| Hawaii County Hawaii | 2 | $ 850,000 | $ 425,000 | $ 181,000 |
| Kauai County Hawaii | 2 | $ 695,000 | $ 347,000 | $ 133,000 |
| Scotts Bluff County Nebraska | 2 | $ 138,000 | $ 69,000 | $ 97,000 |
| Douglas County Nevada | 2 | $ 1,295,000 | $ 647,000 | $ 343,000 |
| Lane County Oregon | 2 | $ 363,000 | $ 181,000 | $ 148,000 |
| Multnomah County Oregon | 2 | $ 356,000 | $ 178,000 | $ 162,000 |
| Summit County Utah | 2 | $ 385,000 | $ 192,000 | $ 90,000 |
| Prince William County Virginia | 2 | $ 297,000 | $ 148,000 | $ 93,000 |
| Grays Harbor County Washington | 2 | $ 344,000 | $ 172,000 | $ 180,000 |
| Pierce County Washington | 2 | $ 404,000 | $ 202,000 | $ 90,000 |
| Skagit County Washington | 2 | $ 147,000 | $ 73,000 | $ 43,000 |
| Spokane County Washington | 2 | $ 248,000 | $ 124,000 | $ 109,000 |
| Park County Wyoming | 2 | $ 85,000 | $ 42,000 | $ 35,000 |
| Mono County California | 1 | $ 748,000 | $ 748,000 | $ 225,000 |
| Sierra County California | 1 | $ 432,000 | $ 432,000 | $ 138,000 |
| Adams County Colorado | 1 | $ 334,000 | $ 334,000 | $ 90,000 |
| Arapahoe County Colorado | 1 | $ 316,000 | $ 316,000 | $ 100,000 |
| Boulder County Colorado | 1 | $ 250,000 | $ 250,000 | $ 137,000 |
| Denver County Colorado | 1 | $ 341,000 | $ 341,000 | $ 120,000 |
| Dolores County Colorado | 1 | $ 600,000 | $ 600,000 | $ 150,000 |
| Douglas County Colorado | 1 | $ 556,000 | $ 556,000 | $ 150,000 |
| Chatham County Georgia | 1 | $ 207,000 | $ 207,000 | $ 205,000 |
| Ada County Idaho | 1 | $ 885,000 | $ 885,000 | $ 264,000 |
| Blaine County Idaho | 1 | $ 186,000 | $ 186,000 | $ 36,000 |
| Canyon County Idaho | 1 | $ 200,000 | $ 200,000 | $ 101,000 |
| Marion County Indiana | 1 | $ 744,000 | $ 744,000 | $ 169,000 |
| East Baton Rouge County Louisiana | 1 | $ 127,000 | $ 127,000 | $ 83,000 |
| Worcester County Massachusetts | 1 | $ 161,000 | $ 161,000 | $ 162,000 |
| Genesee County Michigan | 1 | $ 216,000 | $ 216,000 | $ 243,000 |
| Livingston County Michigan | 1 | $ 360,000 | $ 360,000 | $ 148,000 |
| Carson City County Nevada | 1 | $ 219,000 | $ 219,000 | $ 60,000 |
| Elko County Nevada | 1 | $ 127,000 | $ 127,000 | $ 63,000 |
| Mecklenburg County North Carolina | 1 | $ 338,000 | $ 338,000 | $ 159,000 |
| Coos County Oregon | 1 | $ 88,000 | $ 88,000 | $ 78,000 |
| Douglas County Oregon | 1 | $ 202,000 | $ 202,000 | $ 113,000 |
| Jackson County Oregon | 1 | $ 32,000 | $ 32,000 | $ 58,000 |
| Josephine County Oregon | 1 | $ 87,000 | $ 87,000 | $ 46,000 |
| Lincoln County Oregon | 1 | $ 298,000 | $ 298,000 | $ 232,000 |
| Salt Lake County Utah | 1 | $ 180,000 | $ 180,000 | $ 143,000 |
| Washington County Utah | 1 | $ 220,000 | $ 220,000 | $ 116,000 |
| Weber County Utah | 1 | $ 212,000 | $ 212,000 | $ 116,000 |
| Lewis County Washington | 1 | $ 190,000 | $ 190,000 | $ 80,000 |
| Thurston County Washington | 1 | $ 152,000 | $ 152,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Nl Inc 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,441 | $861,869,000 | $263,000 | $2,119,000 | $130,888 | $1,920,000 |
| Refinancing | 2,154 | $753,182,000 | $273,363 | $7,000,000 | $131,272 | $2,662,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,187 | $1,164,317,000 | $277,000 | $7,000,000 | $140,388 | $2,662,000 |
| Not Provided | 656 | $213,294,000 | $236,142 | $2,500,000 | $122,714 | $1,726,000 |
| Hispanic | 337 | $100,037,000 | $267,600 | $2,750,000 | $113,400 | $1,106,000 |
| Asian | 200 | $71,725,000 | $285,333 | $1,625,000 | $155,833 | $540,000 |
| Black or African American | 103 | $32,643,000 | $209,666 | $1,170,000 | $132,833 | $2,631,000 |
| Not applicable | 50 | $16,618,000 | $340,000 | $1,140,000 | $114,666 | $428,000 |
| Native Hawaiian or Other Pacific Islander | 32 | $9,097,000 | $215,000 | $1,000,000 | $102,500 | $342,000 |
| American Indian or Alaskan Native | 30 | $7,320,000 | $199,500 | $819,000 | $95,000 | $545,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,594 | $1,614,967,000 | $272,555 | $7,000,000 | $131,722 | $2,662,000 |
| FHA-insured (Federal Housing Administration) | 1 | $84,000 | $84,000 | $84,000 | $23,000 | $23,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,955 | $1,392,720,000 | $245,933 | $3,000,000 | $135,066 | $2,631,000 |
| Application Approved But Not Accepted | 330 | $122,958,000 | $466,285 | $3,000,000 | $160,571 | $1,236,000 |
| Application Withdrawn By Applicant | 190 | $57,338,000 | $298,400 | $2,250,000 | $121,600 | $2,295,000 |
| Application Denied By Financial Institution | 80 | $25,224,000 | $223,800 | $3,627,000 | $125,800 | $2,631,000 |
| File Closed For Incompleteness | 40 | $16,811,000 | $259,250 | $7,000,000 | $126,000 | $2,662,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 21 | $3,903,000 | $217,500 | $525,000 | $112,250 | $342,000 |
| Other | 16 | $5,722,000 | $198,500 | $1,000,000 | $70,000 | $242,000 |
| Debt-To-Income Ratio | 12 | $6,513,000 | $374,000 | $3,627,000 | $176,000 | $780,000 |
| Unverifiable Information | 6 | $3,055,000 | $631,500 | $1,200,000 | $207,500 | $302,000 |
| Collateral | 6 | $1,689,000 | $281,000 | $625,000 | $180,000 | $248,000 |
| Employment History | 3 | $931,000 | $310,000 | $650,000 | $147,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nl Inc'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 Nl Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.