Nl Inc Mortgage Lending & HMDA Data, 2007

In 2007, Nl Inc of Walnut Creek, CA reported 5,276 mortgage applications totaling $2.1 billion, up 8% from 2006. The average application was for $390,189, and applicants reported an average income of $173,631. 77% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (2,210), San Francisco-San Mateo-Redwood City, CA (481) and Sacramento--Arden-Arcade--Roseville, CA (362) (applications in parentheses).

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 5,276
Total Mortgage Loan Application Amount $2,058,640,000
Average Mortgage Loan Application Amount $390,189
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $173,631
Highest Applicant Income $3,074,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nl Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Nl Inc by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Contra Costa, California 1,118 $ 498,445,000 $ 445,836 $ 180,000
Alameda, California 1,092 $ 470,332,000 $ 430,706 $ 176,000
Stanislaus, California 288 $ 69,067,000 $ 239,815 $ 89,000
Sacramento, California 209 $ 51,545,000 $ 246,626 $ 112,000
Marin, California 184 $ 100,787,000 $ 547,755 $ 232,000
San Francisco, California 182 $ 104,339,000 $ 573,291 $ 223,000
Santa Clara, California 150 $ 70,048,000 $ 466,986 $ 191,000
San Joaquin, California 138 $ 43,782,000 $ 317,260 $ 155,000
Merced, California 125 $ 30,889,000 $ 247,112 $ 103,000
San Mateo, California 115 $ 66,442,000 $ 577,756 $ 221,000
Solano, California 113 $ 34,106,000 $ 301,823 $ 129,000
Sonoma, California 113 $ 37,766,000 $ 334,212 $ 132,000
Placer, California 97 $ 31,071,000 $ 320,319 $ 183,000
Santa Cruz, California 92 $ 45,339,000 $ 492,815 $ 200,000
Napa, California 85 $ 33,227,000 $ 390,905 $ 205,000
Maricopa, Arizona 84 $ 19,222,000 $ 228,833 $ 189,000
Los Angeles, California 69 $ 30,148,000 $ 436,927 $ 167,000
San Diego, California 54 $ 23,476,000 $ 434,740 $ 165,000
Kern, California 36 $ 6,037,000 $ 167,694 $ 108,000
Garfield, Colorado 36 $ 12,088,000 $ 335,777 $ 108,000
El Dorado, California 33 $ 10,645,000 $ 322,575 $ 170,000
Washoe, Nevada 33 $ 16,133,000 $ 488,878 $ 299,000
Calaveras, California 27 $ 9,444,000 $ 349,777 $ 227,000
Riverside, California 25 $ 10,775,000 $ 431,000 $ 267,000
Clark, Nevada 25 $ 7,480,000 $ 299,200 $ 249,000
Fresno, California 23 $ 5,116,000 $ 222,434 $ 118,000
Yolo, California 23 $ 6,530,000 $ 283,913 $ 130,000
Nevada, California 22 $ 10,854,000 $ 493,363 $ 321,000
Monterey, California 19 $ 9,259,000 $ 487,315 $ 205,000
Tuolumne, California 19 $ 4,714,000 $ 248,105 $ 142,000
Charleston, South Carolina 18 $ 4,953,000 $ 275,166 $ 209,000
Orange, California 17 $ 9,079,000 $ 534,058 $ 224,000
Ventura, California 17 $ 6,035,000 $ 355,000 $ 126,000
Honolulu, Hawaii 17 $ 6,234,000 $ 366,705 $ 233,000
Butte, California 15 $ 3,378,000 $ 225,200 $ 107,000
Fairfield, Connecticut 14 $ 8,054,000 $ 575,285 $ 220,000
Multnomah, Oregon 14 $ 3,354,000 $ 239,571 $ 134,000
Santa Barbara, California 13 $ 10,957,000 $ 842,846 $ 387,000
King, Washington 13 $ 6,186,000 $ 475,846 $ 199,000
Ada, Idaho 12 $ 1,570,000 $ 130,833 $ 189,000
Bernalillo, New Mexico 12 $ 1,423,000 $ 118,583 $ 221,000
Humboldt, California 11 $ 2,322,000 $ 211,090 $ 165,000
San Bernardino, California 11 $ 3,340,000 $ 303,636 $ 144,000
San Luis Obispo, California 11 $ 3,923,000 $ 356,636 $ 169,000
Arapahoe, Colorado 11 $ 2,272,000 $ 206,545 $ 190,000
Horry, South Carolina 11 $ 3,450,000 $ 313,636 $ 148,000
New Haven, Connecticut 10 $ 1,555,000 $ 155,500 $ 86,000
Clark, Washington 10 $ 2,817,000 $ 281,700 $ 129,000
Madera, California 9 $ 2,276,000 $ 252,888 $ 96,000
Washington, Oregon 9 $ 2,381,000 $ 264,555 $ 101,000
Pinal, Arizona 8 $ 1,176,000 $ 147,000 $ 731,000
Tulare, California 8 $ 1,792,000 $ 224,000 $ 131,000
Deschutes, Oregon 8 $ 3,187,000 $ 398,375 $ 521,000
Lake, California 7 $ 2,218,000 $ 316,857 $ 135,000
Shasta, California 7 $ 1,769,000 $ 252,714 $ 95,000
Boulder, Colorado 7 $ 1,925,000 $ 275,000 $ 146,000
Clackamas, Oregon 7 $ 2,067,000 $ 295,285 $ 188,000
Nueces, Texas 7 $ 1,298,000 $ 185,428 $ 155,000
Travis, Texas 7 $ 1,656,000 $ 236,571 $ 189,000
Kitsap, Washington 7 $ 1,618,000 $ 231,142 $ 161,000
Pima, Arizona 6 $ 1,561,000 $ 260,166 $ 105,000
Yavapai, Arizona 6 $ 1,114,000 $ 185,666 $ 126,000
Yuba, California 6 $ 1,281,000 $ 213,500 $ 114,000
Eagle, Colorado 6 $ 2,519,000 $ 419,833 $ 135,000
Shelby, Tennessee 6 $ 436,000 $ 72,666 $ 109,000
Pierce, Washington 6 $ 1,613,000 $ 268,833 $ 137,000
Mendocino, California 5 $ 1,950,000 $ 390,000 $ 76,000
San Benito, California 5 $ 2,151,000 $ 430,200 $ 54,000
Pitkin, Colorado 5 $ 1,600,000 $ 320,000 $ 134,000
Kauai, Hawaii 5 $ 1,597,000 $ 319,400 $ 120,000
Maui, Hawaii 5 $ 2,480,000 $ 496,000 $ 427,000
Sandoval, New Mexico 5 $ 513,000 $ 102,600 $ 175,000
Lane, Oregon 5 $ 881,000 $ 176,200 $ 130,000
Franklin, Washington 5 $ 419,000 $ 83,800 $ 89,000
Thurston, Washington 5 $ 861,000 $ 172,200 $ 122,000
Siskiyou, California 4 $ 796,000 $ 199,000 $ 106,000
Gunnison, Colorado 4 $ 1,258,000 $ 314,500 $ 172,000
Routt, Colorado 4 $ 1,153,000 $ 288,250 $ 149,000
Hartford, Connecticut 4 $ 450,000 $ 112,500 $ 96,000
Hawaii, Hawaii 4 $ 1,499,000 $ 374,750 $ 251,000
Jackson, Oregon 4 $ 1,496,000 $ 374,000 $ 134,000
Klamath, Oregon 4 $ 777,000 $ 194,250 $ 171,000
Allegheny, Pennsylvania 4 $ 313,000 $ 78,250 $ 96,000
Dorchester, South Carolina 4 $ 203,000 $ 50,750 $ 41,000
Spokane, Washington 4 $ 1,053,000 $ 263,250 $ 183,000
Yakima, Washington 4 $ 557,000 $ 139,250 $ 102,000
Del Norte, California 3 $ 806,000 $ 268,666 $ 106,000
Mariposa, California 3 $ 842,000 $ 280,666 $ 168,000
Jefferson, Colorado 3 $ 771,000 $ 257,000 $ 140,000
Larimer, Colorado 3 $ 911,000 $ 303,666 $ 196,000
Mesa, Colorado 3 $ 764,000 $ 254,666 $ 153,000
Boone, Missouri 3 $ 194,000 $ 64,666 $ 111,000
Jackson, Missouri 3 $ 512,000 $ 170,666 $ 236,000
Williamson, Texas 3 $ 356,000 $ 118,666 $ 186,000
Fairfax, Virginia 3 $ 895,000 $ 298,333 $ 141,000
Skagit, Washington 3 $ 617,000 $ 205,666 $ 187,000
Snohomish, Washington 3 $ 904,000 $ 301,333 $ 121,000
Amador, California 2 $ 870,000 $ 435,000 $ 149,000
Sutter, California 2 $ 365,000 $ 182,500 $ 50,000
Tehama, California 2 $ 476,000 $ 238,000 $ 321,000
New London, Connecticut 2 $ 216,000 $ 108,000 $ 54,000
Seminole, Florida 2 $ 427,000 $ 213,500 $ 55,000
Adams, Idaho 2 $ 1,560,000 $ 780,000 $ 564,000
Oceana, Michigan 2 $ 792,000 $ 396,000 $ 90,000
Greene, Missouri 2 $ 152,000 $ 76,000 $ 36,000
Flathead, Montana 2 $ 794,000 $ 397,000 $ 70,000
Gallatin, Montana 2 $ 376,000 $ 188,000 $ 127,000
Carson City, Nevada 2 $ 434,000 $ 217,000 $ 87,000
Valencia, New Mexico 2 $ 455,000 $ 227,500 $ 117,000
Linn, Oregon 2 $ 355,000 $ 177,500 $ 73,000
Marion, Oregon 2 $ 298,000 $ 149,000 $ 152,000
Beaufort, South Carolina 2 $ 3,200,000 $ 1,600,000 $ 1,436,000
Richland, South Carolina 2 $ 136,000 $ 68,000 $ 67,000
York, South Carolina 2 $ 199,000 $ 99,500 $ 83,000
Madison, Tennessee 2 $ 141,000 $ 70,500 $ 61,000
Dallas, Texas 2 $ 287,000 $ 143,500 $ 117,000
Denton, Texas 2 $ 428,000 $ 214,000 $ 194,000
Harris, Texas 2 $ 242,000 $ 121,000 $ 124,000
Clarke, Virginia 2 $ 352,000 $ 176,000 $ 132,000
Franklin, Virginia 2 $ 230,000 $ 115,000 $ 86,000
Stafford, Virginia 2 $ 315,000 $ 157,500 $ 0
Harrison, West Virginia 2 $ 225,000 $ 112,500 $ 58,000
Upshur, West Virginia 2 $ 128,000 $ 64,000 $ 63,000
Yuma, Arizona 1 $ 41,000 $ 41,000 $ 147,000
Plumas, California 1 $ 235,000 $ 235,000 $ 177,000
Broomfield, Colorado 1 $ 191,000 $ 191,000 $ 129,000
El Paso, Colorado 1 $ 480,000 $ 480,000 $ 90,000
La Plata, Colorado 1 $ 221,000 $ 221,000 $ 1,550,000
Montezuma, Colorado 1 $ 186,000 $ 186,000 $ 257,000
San Miguel, Colorado 1 $ 1,140,000 $ 1,140,000 $ 480,000
Litchfield, Connecticut 1 $ 165,000 $ 165,000 $ 90,000
Middlesex, Connecticut 1 $ 85,000 $ 85,000 $ 58,000
Tolland, Connecticut 1 $ 253,000 $ 253,000 $ 114,000
Windham, Connecticut 1 $ 45,000 $ 45,000 $ 235,000
Chatham, Georgia 1 $ 228,000 $ 228,000 $ 56,000
Columbia, Georgia 1 $ 134,000 $ 134,000 $ 290,000
Hall, Georgia 1 $ 1,238,000 $ 1,238,000 $ 3,074,000
Blaine, Idaho 1 $ 300,000 $ 300,000 $ 212,000
Bonner, Idaho 1 $ 170,000 $ 170,000 $ 0
Bonneville, Idaho 1 $ 127,000 $ 127,000 $ 162,000
Canyon, Idaho 1 $ 400,000 $ 400,000 $ 98,000
Twin Falls, Idaho 1 $ 43,000 $ 43,000 $ 0
Clinton, Indiana 1 $ 95,000 $ 95,000 $ 85,000
Hamilton, Indiana 1 $ 80,000 $ 80,000 $ 62,000
Steuben, Indiana 1 $ 314,000 $ 314,000 $ 137,000
Warrick, Indiana 1 $ 198,000 $ 198,000 $ 142,000
Baltimore, Maryland 1 $ 278,000 $ 278,000 $ 64,000
Dukes, Massachusetts 1 $ 650,000 $ 650,000 $ 770,000
Plymouth, Massachusetts 1 $ 328,000 $ 328,000 $ 96,000
Benzie, Michigan 1 $ 180,000 $ 180,000 $ 150,000
Genesee, Michigan 1 $ 45,000 $ 45,000 $ 58,000
Leelanau, Michigan 1 $ 500,000 $ 500,000 $ 0
Bates, Missouri 1 $ 28,000 $ 28,000 $ 142,000
Bollinger, Missouri 1 $ 44,000 $ 44,000 $ 57,000
St. Louis, Missouri 1 $ 329,000 $ 329,000 $ 82,000
St. Louis City, Missouri 1 $ 185,000 $ 185,000 $ 2,959,000
Lake, Montana 1 $ 525,000 $ 525,000 $ 282,000
Ravalli, Montana 1 $ 128,000 $ 128,000 $ 0
Hall, Nebraska 1 $ 46,000 $ 46,000 $ 147,000
Douglas, Nevada 1 $ 400,000 $ 400,000 $ 298,000
Lyon, Nevada 1 $ 110,000 $ 110,000 $ 77,000
Otero, New Mexico 1 $ 126,000 $ 126,000 $ 312,000
San Miguel, New Mexico 1 $ 100,000 $ 100,000 $ 60,000
Taos, New Mexico 1 $ 308,000 $ 308,000 $ 84,000
Benton, Oregon 1 $ 84,000 $ 84,000 $ 57,000
Columbia, Oregon 1 $ 194,000 $ 194,000 $ 56,000
Curry, Oregon 1 $ 232,000 $ 232,000 $ 3,000,000
Lincoln, Oregon 1 $ 340,000 $ 340,000 $ 113,000
Tillamook, Oregon 1 $ 300,000 $ 300,000 $ 329,000
Aiken, South Carolina 1 $ 364,000 $ 364,000 $ 106,000
Anderson, South Carolina 1 $ 100,000 $ 100,000 $ 144,000
Cherokee, South Carolina 1 $ 56,000 $ 56,000 $ 0
Georgetown, South Carolina 1 $ 1,750,000 $ 1,750,000 $ 1,020,000
Kershaw, South Carolina 1 $ 137,000 $ 137,000 $ 0
Lancaster, South Carolina 1 $ 98,000 $ 98,000 $ 0
Lexington, South Carolina 1 $ 142,000 $ 142,000 $ 101,000
Franklin, Tennessee 1 $ 73,000 $ 73,000 $ 36,000
Collin, Texas 1 $ 255,000 $ 255,000 $ 260,000
Comal, Texas 1 $ 155,000 $ 155,000 $ 330,000
Gillespie, Texas 1 $ 126,000 $ 126,000 $ 60,000
Parker, Texas 1 $ 359,000 $ 359,000 $ 169,000
San Patricio, Texas 1 $ 59,000 $ 59,000 $ 235,000
Tarrant, Texas 1 $ 378,000 $ 378,000 $ 85,000
Alexandria, Virginia 1 $ 209,000 $ 209,000 $ 69,000
Gloucester, Virginia 1 $ 166,000 $ 166,000 $ 85,000
Loudoun, Virginia 1 $ 415,000 $ 415,000 $ 130,000
Prince William, Virginia 1 $ 480,000 $ 480,000 $ 168,000
Roanoke City, Virginia 1 $ 184,000 $ 184,000 $ 117,000
Clallam, Washington 1 $ 278,000 $ 278,000 $ 240,000
Cowlitz, Washington 1 $ 339,000 $ 339,000 $ 98,000
Grant, Washington 1 $ 160,000 $ 160,000 $ 72,000
Pacific, Washington 1 $ 172,000 $ 172,000 $ 132,000
San Juan, Washington 1 $ 185,000 $ 185,000 $ 189,000
Stevens, Washington 1 $ 308,000 $ 308,000 $ 80,000
Whatcom, Washington 1 $ 244,000 $ 244,000 $ 173,000
Carbon, Wyoming 1 $ 105,000 $ 105,000 $ 84,000

Mortgage Loan Application Detail Totals for Nl Inc in 2007

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 2,777 $1,083,727,000 $390,000 $2,160,000 $167,000 $2,959,000
Home Purchase 2,499 $974,913,000 $390,000 $3,000,000 $181,000 $3,074,000
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 3,616 $1,457,685,000 $403,000 $3,000,000 $184,000 $3,074,000
Not Provided 687 $275,479,000 $400,000 $2,160,000 $172,000 $2,550,000
Hispanic 525 $162,798,000 $310,000 $1,400,000 $110,000 $480,000
Asian 254 $98,685,000 $388,000 $1,700,000 $183,000 $1,146,000
Black or African American 135 $46,221,000 $342,000 $1,750,000 $130,000 $1,020,000
Native Hawaiian or Other Pacific Islander 46 $15,113,000 $328,000 $991,000 $150,000 $348,000
American Indian or Alaskan Native 13 $2,659,000 $204,000 $392,000 $196,000 $343,000
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) 5,265 $2,055,748,000 $390,000 $3,000,000 $174,000 $3,074,000
FHA-insured (Federal Housing Administration) 11 $2,892,000 $262,000 $367,000 $90,000 $156,000
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 4,077 $1,618,808,000 $397,000 $2,470,000 $175,000 $3,074,000
Application Approved But Not Accepted 707 $268,033,000 $379,000 $3,000,000 $176,000 $1,883,000
Application Withdrawn By Applicant 225 $78,409,000 $348,000 $1,400,000 $167,000 $872,000
File Closed For Incompleteness 151 $51,861,000 $343,000 $1,236,000 $156,000 $762,000
Application Denied By Financial Institution 105 $37,883,000 $360,000 $1,700,000 $155,000 $720,000
Preapproval Approved but not Accepted 9 $2,709,000 $301,000 $615,000 $104,000 $157,000
Preapproval Denied by Financial Institution 2 $937,000 $468,000 $617,000 $135,000 $168,000
Loan Purchased By The 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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nl Inc's 2007 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.
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