Nl Inc Mortgage Lending & HMDA Data, 2008
In 2008, Nl Inc of Walnut Creek, CA reported 3,901 mortgage applications totaling $1.5 billion, down 26% from 2007. The average application was for $385,056, and applicants reported an average income of $162,910. 65% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (1,262), San Francisco-San Mateo-Redwood City, CA (526) and Los Angeles-Long Beach-Glendale, CA (328) (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 | 3,901 |
| Total Mortgage Loan Application Amount | $1,502,105,000 |
| Average Mortgage Loan Application Amount | $385,056 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $162,910 |
| Highest Applicant Income | $3,172,000 |
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Disclosure Act (HMDA) records Nl Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland-Fremont-Hayward, CA | 1,262 | $ 514,045,000 | $ 407,325 | $ 158,000 |
| San Francisco-San Mateo-Redwood City, CA | 526 | $ 266,801,000 | $ 507,226 | $ 209,000 |
| Los Angeles-Long Beach-Glendale, CA | 328 | $ 138,543,000 | $ 422,387 | $ 179,000 |
| Santa Rosa-Petaluma, CA | 199 | $ 67,910,000 | $ 341,256 | $ 166,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 159 | $ 42,605,000 | $ 267,955 | $ 148,000 |
| Modesto, CA | 157 | $ 31,418,000 | $ 200,114 | $ 80,000 |
| San Diego-Carlsbad-San Marcos, CA | 102 | $ 35,987,000 | $ 352,813 | $ 164,000 |
| Vallejo-Fairfield, CA | 83 | $ 24,473,000 | $ 294,855 | $ 118,000 |
| Napa, CA | 71 | $ 25,227,000 | $ 355,309 | $ 188,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 67 | $ 29,793,000 | $ 444,671 | $ 152,000 |
| Stockton, CA | 66 | $ 17,366,000 | $ 263,121 | $ 105,000 |
| Riverside-San Bernardino-Ontario, CA | 61 | $ 16,954,000 | $ 277,934 | $ 167,000 |
| Merced, CA | 58 | $ 12,591,000 | $ 217,086 | $ 82,000 |
| Santa Cruz-Watsonville, CA | 53 | $ 21,570,000 | $ 406,981 | $ 179,000 |
| Phoenix-Mesa-Scottsdale, AZ | 52 | $ 16,495,000 | $ 317,211 | $ 144,000 |
| Santa Ana-Anaheim-Irvine, CA | 49 | $ 19,924,000 | $ 406,612 | $ 151,000 |
| Salinas, CA | 16 | $ 7,286,000 | $ 455,375 | $ 281,000 |
| Tucson, AZ | 15 | $ 3,159,000 | $ 210,600 | $ 104,000 |
| Honolulu, HI | 14 | $ 5,209,000 | $ 372,071 | $ 183,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 5,111,000 | $ 365,071 | $ 165,000 |
| Portland-Vancouver-Beaverton, OR-WA | 13 | $ 4,995,000 | $ 384,230 | $ 149,461 |
| Seattle-Bellevue-Everett, WA | 13 | $ 3,941,000 | $ 303,153 | $ 108,000 |
| Bakersfield, CA | 10 | $ 1,319,000 | $ 131,900 | $ 81,000 |
| Fresno, CA | 10 | $ 2,251,000 | $ 225,100 | $ 111,000 |
| Reno-Sparks, NV | 10 | $ 3,049,000 | $ 304,900 | $ 141,000 |
| Boise City-Nampa, ID | 8 | $ 1,429,000 | $ 178,625 | $ 144,000 |
| Denver-Aurora, CO | 8 | $ 2,346,000 | $ 293,250 | $ 185,000 |
| Salt Lake City, UT | 8 | $ 2,984,000 | $ 373,000 | $ 359,000 |
| Las Vegas-Paradise, NV | 7 | $ 2,086,000 | $ 298,000 | $ 134,000 |
| Medford, OR | 7 | $ 1,685,000 | $ 240,714 | $ 94,000 |
| Redding, CA | 7 | $ 1,877,000 | $ 268,142 | $ 182,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 7 | $ 3,744,000 | $ 534,857 | $ 173,000 |
| Chico, CA | 6 | $ 1,380,000 | $ 230,000 | $ 110,000 |
| Houston-Sugar Land-Baytown, TX | 5 | $ 811,000 | $ 162,200 | $ 204,000 |
| Madera, CA | 5 | $ 1,304,000 | $ 260,800 | $ 112,000 |
| Tacoma, WA | 5 | $ 1,008,000 | $ 201,600 | $ 354,000 |
| Austin-Round Rock, TX | 4 | $ 1,353,000 | $ 338,250 | $ 218,000 |
| Bend, OR | 4 | $ 1,504,000 | $ 376,000 | $ 198,000 |
| Fort Worth-Arlington, TX | 4 | $ 873,000 | $ 218,250 | $ 221,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,173,000 | $ 293,250 | $ 120,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,636,000 | $ 409,000 | $ 101,000 |
| Visalia-Porterville, CA | 4 | $ 820,000 | $ 205,000 | $ 143,000 |
| Albuquerque, NM | 3 | $ 523,000 | $ 174,333 | $ 192,000 |
| Bellingham, WA | 3 | $ 978,000 | $ 326,000 | $ 152,000 |
| Bremerton-Silverdale, WA | 3 | $ 1,049,000 | $ 349,666 | $ 107,000 |
| Colorado Springs, CO | 3 | $ 916,000 | $ 305,333 | $ 94,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 476,000 | $ 158,666 | $ 62,000 |
| Jacksonville, FL | 3 | $ 754,000 | $ 251,333 | $ 121,000 |
| Naples-Marco Island, FL | 3 | $ 3,240,000 | $ 1,080,000 | $ 1,484,000 |
| Orlando-Kissimmee, FL | 3 | $ 600,000 | $ 200,000 | $ 104,000 |
| San Antonio, TX | 3 | $ 2,106,000 | $ 702,000 | $ 435,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 884,000 | $ 294,666 | $ 91,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 756,000 | $ 378,000 | $ 158,000 |
| Hanford-Corcoran, CA | 2 | $ 552,000 | $ 276,000 | $ 70,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,058,000 | $ 529,000 | $ 168,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 767,000 | $ 383,500 | $ 170,000 |
| Prescott, AZ | 2 | $ 392,000 | $ 196,000 | $ 249,000 |
| Provo-Orem, UT | 2 | $ 397,000 | $ 198,500 | $ 148,000 |
| Amarillo, TX | 1 | $ 900,000 | $ 900,000 | $ 240,000 |
| Baltimore-Towson, MD | 1 | $ 278,000 | $ 278,000 | $ 64,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 203,000 | $ 203,000 | $ 109,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 280,000 | $ 280,000 | $ 184,000 |
| Carson City, NV | 1 | $ 295,000 | $ 295,000 | $ 110,000 |
| Casper, WY | 1 | $ 158,000 | $ 158,000 | $ 54,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 3,002,000 | $ 3,002,000 | $ 812,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 70,000 | $ 70,000 | $ 79,000 |
| Columbia, MO | 1 | $ 161,000 | $ 161,000 | $ 143,000 |
| Decatur, AL | 1 | $ 116,000 | $ 116,000 | $ 180,000 |
| El Centro, CA | 1 | $ 172,000 | $ 172,000 | $ 123,000 |
| Eugene-Springfield, OR | 1 | $ 306,000 | $ 306,000 | $ 87,000 |
| Farmington, NM | 1 | $ 192,000 | $ 192,000 | $ 96,000 |
| Flagstaff, AZ | 1 | $ 350,000 | $ 350,000 | $ 278,000 |
| Fort Collins-Loveland, CO | 1 | $ 130,000 | $ 130,000 | $ 126,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 184,000 | $ 184,000 | $ 57,000 |
| Grand Junction, CO | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 174,000 | $ 174,000 | $ 95,000 |
| Oklahoma City, OK | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Philadelphia, PA | 1 | $ 152,000 | $ 152,000 | $ 144,000 |
| Pittsburgh, PA | 1 | $ 200,000 | $ 200,000 | $ 139,000 |
| Santa Fe, NM | 1 | $ 118,000 | $ 118,000 | $ 32,000 |
| Sebastian-Vero Beach, FL | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Spokane, WA | 1 | $ 203,000 | $ 203,000 | $ 188,000 |
| St. Louis, MO-IL | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 183,000 | $ 183,000 | $ 44,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 270,000 | $ 270,000 | $ 116,000 |
| Waco, TX | 1 | $ 250,000 | $ 250,000 | $ 109,000 |
| Yuba City, CA | 1 | $ 234,000 | $ 234,000 | $ 78,000 |
| Yuma, AZ | 1 | $ 386,000 | $ 386,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for Nl Inc in 2008
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 | 2,038 | $765,788,000 | $375,000 | $3,200,000 | $161,000 | $2,190,000 |
| Home Purchase | 1,863 | $736,317,000 | $395,000 | $3,605,000 | $165,000 | $3,172,000 |
| 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 | 2,522 | $1,002,713,000 | $397,000 | $3,605,000 | $174,000 | $3,172,000 |
| Not Provided | 790 | $296,115,000 | $374,000 | $1,648,000 | $156,000 | $1,589,000 |
| Hispanic | 291 | $84,319,000 | $289,000 | $1,000,000 | $105,000 | $443,000 |
| Asian | 207 | $89,962,000 | $434,000 | $3,571,000 | $159,000 | $1,235,000 |
| Black or African American | 63 | $19,818,000 | $314,000 | $730,000 | $106,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $8,859,000 | $340,000 | $684,000 | $126,000 | $285,000 |
| American Indian or Alaskan Native | 2 | $319,000 | $159,000 | $194,000 | $83,000 | $123,000 |
| 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) | 3,767 | $1,459,291,000 | $387,000 | $3,605,000 | $165,000 | $3,172,000 |
| FHA-insured (Federal Housing Administration) | 130 | $41,200,000 | $316,000 | $713,000 | $100,000 | $333,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,614,000 | $403,000 | $649,000 | $108,000 | $138,000 |
| 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 | 2,552 | $929,249,000 | $364,000 | $3,000,000 | $160,000 | $3,172,000 |
| Application Approved But Not Accepted | 749 | $314,036,000 | $419,000 | $3,605,000 | $166,000 | $2,190,000 |
| File Closed For Incompleteness | 165 | $66,689,000 | $404,000 | $3,002,000 | $170,000 | $1,060,000 |
| Preapproval Approved but not Accepted | 156 | $73,147,000 | $468,000 | $1,495,000 | $154,000 | $496,000 |
| Application Denied By Financial Institution | 141 | $59,886,000 | $424,000 | $2,794,000 | $184,000 | $1,470,000 |
| Application Withdrawn By Applicant | 122 | $53,248,000 | $436,000 | $2,400,000 | $191,000 | $2,190,000 |
| Preapproval Denied by Financial Institution | 16 | $5,850,000 | $365,000 | $664,000 | $96,000 | $184,000 |
| 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 | 6 | $1,559,000 | $259,000 | $368,000 | $129,000 | $300,000 |
| Debt-To-Income Ratio | 5 | $1,338,000 | $267,000 | $620,000 | $70,000 | $187,000 |
| Unverifiable Information | 3 | $1,678,000 | $559,000 | $1,300,000 | $153,000 | $291,000 |
| Other | 2 | $978,000 | $489,000 | $751,000 | $197,000 | $202,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $49,000 | $49,000 |
| Credit Application Incomplete | 1 | $417,000 | $417,000 | $417,000 | $157,000 | $157,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2008 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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