Nl Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Nl Inc 2005 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 | 5,792 |
| Total Mortgage Loan Application Amount | $2,239,726,000 |
| Average Mortgage Loan Application Amount | $289,680 |
| Highest Mortgage Loan Application Amount | $3,560,000 |
| Average Applicant Income | $146,200 |
| Highest Applicant Income | $2,570,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 1,628 | $ 742,110,000 | $ 455,000 | $ 147,000 |
| Alameda County California | 1,170 | $ 500,209,000 | $ 427,000 | $ 166,000 |
| Merced County California | 312 | $ 62,606,000 | $ 200,000 | $ 85,000 |
| Stanislaus County California | 278 | $ 59,252,000 | $ 213,000 | $ 82,000 |
| Sacramento County California | 268 | $ 68,873,000 | $ 256,000 | $ 106,000 |
| Solano County California | 207 | $ 63,334,000 | $ 305,000 | $ 120,000 |
| San Francisco County California | 192 | $ 106,534,000 | $ 554,000 | $ 184,000 |
| Santa Cruz County California | 131 | $ 58,112,000 | $ 443,000 | $ 159,000 |
| Santa Clara County California | 127 | $ 60,688,000 | $ 477,000 | $ 184,000 |
| San Joaquin County California | 124 | $ 33,511,000 | $ 270,000 | $ 101,000 |
| Monterey County California | 120 | $ 47,451,000 | $ 395,000 | $ 123,000 |
| Placer County California | 117 | $ 42,679,000 | $ 364,000 | $ 161,000 |
| Marin County California | 113 | $ 60,884,000 | $ 538,000 | $ 158,000 |
| San Mateo County California | 101 | $ 54,414,000 | $ 538,000 | $ 202,000 |
| Los Angeles County California | 52 | $ 20,756,000 | $ 399,000 | $ 156,000 |
| Sonoma County California | 49 | $ 22,571,000 | $ 460,000 | $ 231,000 |
| Fresno County California | 44 | $ 7,809,000 | $ 177,000 | $ 94,000 |
| Washoe County Nevada | 40 | $ 15,201,000 | $ 380,000 | $ 169,000 |
| El Dorado County California | 39 | $ 15,299,000 | $ 392,000 | $ 178,000 |
| Napa County California | 34 | $ 14,538,000 | $ 427,000 | $ 277,000 |
| San Diego County California | 30 | $ 11,746,000 | $ 391,000 | $ 180,000 |
| Calaveras County California | 27 | $ 8,409,000 | $ 311,000 | $ 151,000 |
| Clark County Nevada | 24 | $ 5,634,000 | $ 234,000 | $ 141,000 |
| Riverside County California | 23 | $ 8,452,000 | $ 367,000 | $ 186,000 |
| Yolo County California | 22 | $ 5,973,000 | $ 271,000 | $ 104,000 |
| Orange County California | 21 | $ 9,861,000 | $ 469,000 | $ 140,000 |
| Butte County California | 19 | $ 4,222,000 | $ 222,000 | $ 86,000 |
| Nevada County California | 18 | $ 7,829,000 | $ 434,000 | $ 180,000 |
| Madera County California | 17 | $ 3,542,000 | $ 208,000 | $ 80,000 |
| San Bernardino County California | 15 | $ 3,048,000 | $ 203,000 | $ 90,000 |
| Lake County California | 14 | $ 2,859,000 | $ 204,000 | $ 102,000 |
| Tulare County California | 14 | $ 2,728,000 | $ 194,000 | $ 152,000 |
| Multnomah County Oregon | 14 | $ 3,033,000 | $ 216,000 | $ 122,000 |
| Tuolumne County California | 13 | $ 3,092,000 | $ 237,000 | $ 139,000 |
| San Luis Obispo County California | 11 | $ 4,275,000 | $ 388,000 | $ 208,000 |
| Shasta County California | 10 | $ 2,676,000 | $ 267,000 | $ 183,000 |
| Honolulu County Hawaii | 10 | $ 2,844,000 | $ 284,000 | $ 94,000 |
| Lane County Oregon | 10 | $ 1,929,000 | $ 192,000 | $ 80,000 |
| Kern County California | 8 | $ 2,336,000 | $ 292,000 | $ 94,000 |
| Kauai County Hawaii | 8 | $ 2,619,000 | $ 327,000 | $ 150,000 |
| Ada County Idaho | 8 | $ 1,153,000 | $ 144,000 | $ 154,000 |
| Humboldt County California | 7 | $ 1,652,000 | $ 236,000 | $ 78,000 |
| Santa Barbara County California | 7 | $ 2,807,000 | $ 401,000 | $ 194,000 |
| Sutter County California | 7 | $ 1,129,000 | $ 161,000 | $ 90,000 |
| Maui County Hawaii | 7 | $ 2,456,000 | $ 350,000 | $ 165,000 |
| Deschutes County Oregon | 7 | $ 1,974,000 | $ 282,000 | $ 306,000 |
| Pierce County Washington | 7 | $ 988,000 | $ 141,000 | $ 113,000 |
| Plumas County California | 6 | $ 2,436,000 | $ 406,000 | $ 393,000 |
| Clackamas County Oregon | 6 | $ 1,341,000 | $ 223,000 | $ 127,000 |
| Washington County Oregon | 6 | $ 767,000 | $ 127,000 | $ 77,000 |
| King County Washington | 6 | $ 2,451,000 | $ 408,000 | $ 155,000 |
| Whatcom County Washington | 6 | $ 1,025,000 | $ 170,000 | $ 87,000 |
| San Benito County California | 5 | $ 1,720,000 | $ 344,000 | $ 128,000 |
| Douglas County Nevada | 5 | $ 1,339,000 | $ 267,000 | $ 104,000 |
| Snohomish County Washington | 5 | $ 2,197,000 | $ 439,000 | $ 156,000 |
| Amador County California | 4 | $ 1,125,000 | $ 281,000 | $ 175,000 |
| Mariposa County California | 4 | $ 1,180,000 | $ 295,000 | $ 122,000 |
| Hawaii County Hawaii | 4 | $ 1,405,000 | $ 351,000 | $ 112,000 |
| Lyon County Nevada | 4 | $ 935,000 | $ 233,000 | $ 129,000 |
| Santa Fe County New Mexico | 4 | $ 1,563,000 | $ 390,000 | $ 137,000 |
| Loudoun County Virginia | 4 | $ 1,548,000 | $ 387,000 | $ 128,000 |
| Spokane County Washington | 4 | $ 152,000 | $ 38,000 | $ 135,000 |
| Lassen County California | 3 | $ 306,000 | $ 102,000 | $ 67,000 |
| Mendocino County California | 3 | $ 903,000 | $ 301,000 | $ 64,000 |
| Ventura County California | 3 | $ 1,063,000 | $ 354,000 | $ 192,000 |
| Yuba County California | 3 | $ 844,000 | $ 281,000 | $ 65,000 |
| Sandoval County New Mexico | 3 | $ 348,000 | $ 116,000 | $ 94,000 |
| Jackson County Oregon | 3 | $ 577,000 | $ 192,000 | $ 116,000 |
| Prince William County Virginia | 3 | $ 790,000 | $ 263,000 | $ 69,000 |
| Clark County Washington | 3 | $ 1,039,000 | $ 346,000 | $ 158,000 |
| Colusa County California | 2 | $ 255,000 | $ 127,000 | $ 97,000 |
| Kings County California | 2 | $ 321,000 | $ 160,000 | $ 61,000 |
| Tehama County California | 2 | $ 294,000 | $ 147,000 | $ 247,000 |
| Cherokee County Georgia | 2 | $ 140,000 | $ 70,000 | $ 66,000 |
| Cobb County Georgia | 2 | $ 420,000 | $ 210,000 | $ 78,000 |
| Leelanau County Michigan | 2 | $ 1,037,000 | $ 518,000 | $ 474,000 |
| Flathead County Montana | 2 | $ 547,000 | $ 273,000 | $ 209,000 |
| Bernalillo County New Mexico | 2 | $ 293,000 | $ 146,000 | $ 94,000 |
| Los Alamos County New Mexico | 2 | $ 864,000 | $ 432,000 | $ 235,000 |
| Columbia County Oregon | 2 | $ 184,000 | $ 92,000 | $ 49,000 |
| Josephine County Oregon | 2 | $ 335,000 | $ 167,000 | $ 74,000 |
| Klamath County Oregon | 2 | $ 204,000 | $ 102,000 | $ 261,000 |
| Salt Lake County Utah | 2 | $ 1,049,000 | $ 524,000 | $ 340,000 |
| Albemarle County Virginia | 2 | $ 628,000 | $ 314,000 | $ 177,000 |
| Charlottesville County Virginia | 2 | $ 243,000 | $ 121,000 | $ 126,000 |
| Stafford County Virginia | 2 | $ 419,000 | $ 209,000 | $ 58,000 |
| Grays Harbor County Washington | 2 | $ 358,000 | $ 179,000 | $ 103,000 |
| Del Norte County California | 1 | $ 117,000 | $ 117,000 | $ 140,000 |
| Glenn County California | 1 | $ 130,000 | $ 130,000 | $ 374,000 |
| Siskiyou County California | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Trinity County California | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Denver County Colorado | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Eagle County Colorado | 1 | $ 313,000 | $ 313,000 | $ 75,000 |
| El Paso County Colorado | 1 | $ 284,000 | $ 284,000 | $ 309,000 |
| Larimer County Colorado | 1 | $ 254,000 | $ 254,000 | $ 123,000 |
| Mesa County Colorado | 1 | $ 128,000 | $ 128,000 | $ 29,000 |
| San Miguel County Colorado | 1 | $ 360,000 | $ 360,000 | $ 435,000 |
| Bonneville County Idaho | 1 | $ 124,000 | $ 124,000 | $ 145,000 |
| Canyon County Idaho | 1 | $ 213,000 | $ 213,000 | $ 98,000 |
| Kootenai County Idaho | 1 | $ 163,000 | $ 163,000 | $ 126,000 |
| St. John the Baptist County Louisiana | 1 | $ 71,000 | $ 71,000 | $ 33,000 |
| Dakota County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Gallatin County Montana | 1 | $ 303,000 | $ 303,000 | $ 186,000 |
| Humboldt County Nevada | 1 | $ 98,000 | $ 98,000 | $ 371,000 |
| Valencia County New Mexico | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Clatsop County Oregon | 1 | $ 465,000 | $ 465,000 | $ 244,000 |
| Coos County Oregon | 1 | $ 303,000 | $ 303,000 | $ 161,000 |
| Curry County Oregon | 1 | $ 438,000 | $ 438,000 | $ 133,000 |
| Douglas County Oregon | 1 | $ 90,000 | $ 90,000 | $ 180,000 |
| Polk County Oregon | 1 | $ 270,000 | $ 270,000 | $ 92,000 |
| Tillamook County Oregon | 1 | $ 260,000 | $ 260,000 | $ 215,000 |
| Yamhill County Oregon | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Summit County Utah | 1 | $ 472,000 | $ 472,000 | $ 139,000 |
| Alexandria County Virginia | 1 | $ 308,000 | $ 308,000 | $ 169,000 |
| Fairfax County Virginia | 1 | $ 360,000 | $ 360,000 | $ 120,000 |
| Benton County Washington | 1 | $ 426,000 | $ 426,000 | $ 125,000 |
| Klickitat County Washington | 1 | $ 169,000 | $ 169,000 | $ 349,000 |
| Skagit County Washington | 1 | $ 210,000 | $ 210,000 | $ 57,000 |
| Skamania County Washington | 1 | $ 357,000 | $ 357,000 | $ 84,000 |
| Thurston County Washington | 1 | $ 172,000 | $ 172,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Nl Inc 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,897 | $1,092,708,000 | $267,285 | $1,950,000 | $150,428 | $2,520,000 |
| Refinancing | 2,895 | $1,147,018,000 | $318,181 | $3,560,000 | $140,818 | $2,570,000 |
| 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 | 3,710 | $1,546,778,000 | $266,533 | $3,560,000 | $162,000 | $2,570,000 |
| Not Provided | 887 | $316,433,000 | $300,181 | $1,698,000 | $143,727 | $1,040,000 |
| Hispanic | 677 | $199,058,000 | $256,000 | $1,000,000 | $114,285 | $568,000 |
| Asian | 300 | $105,497,000 | $252,000 | $1,000,000 | $136,333 | $594,000 |
| Black or African American | 157 | $53,011,000 | $271,333 | $1,500,000 | $133,000 | $1,053,000 |
| Native Hawaiian or Other Pacific Islander | 42 | $13,966,000 | $277,500 | $731,000 | $85,000 | $330,000 |
| American Indian or Alaskan Native | 19 | $4,983,000 | $262,000 | $911,000 | $105,000 | $360,000 |
| 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) | 5,792 | $2,239,726,000 | $273,875 | $3,560,000 | $149,562 | $2,570,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 5,087 | $2,012,235,000 | $286,857 | $3,560,000 | $160,857 | $2,570,000 |
| Application Approved But Not Accepted | 403 | $140,559,000 | $231,500 | $1,950,000 | $119,500 | $934,000 |
| Application Withdrawn By Applicant | 160 | $46,428,000 | $158,250 | $1,000,000 | $97,250 | $1,053,000 |
| Application Denied By Financial Institution | 86 | $23,416,000 | $173,250 | $800,000 | $146,750 | $624,000 |
| File Closed For Incompleteness | 56 | $17,088,000 | $211,000 | $955,000 | $142,800 | $351,000 |
| 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 | 8 | $1,753,000 | $219,000 | $392,000 | $94,000 | $138,000 |
| Other | 8 | $2,486,000 | $310,000 | $650,000 | $155,000 | $305,000 |
| Debt-To-Income Ratio | 4 | $963,000 | $240,000 | $388,000 | $87,000 | $114,000 |
| Employment History | 1 | $139,000 | $139,000 | $139,000 | $80,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $37,000 | $37,000 | $37,000 | $96,000 | $96,000 |
| Collateral | 1 | $426,000 | $426,000 | $426,000 | $86,000 | $86,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nl Inc'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 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.