Nl Inc Mortgage Lending & HMDA Data, 2006
In 2006, Nl Inc of Walnut Creek, CA reported 4,865 mortgage applications totaling $1.9 billion, down 16% from 2005. The average application was for $381,145, and applicants reported an average income of $170,915. 82% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (2,288), San Francisco-San Mateo-Redwood City, CA (346) and Sacramento--Arden-Arcade--Roseville, CA (339) (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 | 4,865 |
| Total Mortgage Loan Application Amount | $1,854,272,000 |
| Average Mortgage Loan Application Amount | $381,145 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $170,915 |
| Highest Applicant Income | $2,128,000 |
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Disclosure Act (HMDA) records Nl Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,288 | $ 995,175,000 | $ 434,954 | $ 179,000 |
| San Francisco-San Mateo-Redwood City, CA | 346 | $ 192,692,000 | $ 556,913 | $ 236,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 339 | $ 101,527,000 | $ 299,489 | $ 148,000 |
| Modesto, CA | 206 | $ 45,000,000 | $ 218,446 | $ 102,000 |
| Bakersfield, CA | 149 | $ 15,214,000 | $ 102,107 | $ 143,000 |
| Santa Cruz-Watsonville, CA | 136 | $ 57,075,000 | $ 419,669 | $ 184,000 |
| Vallejo-Fairfield, CA | 135 | $ 36,266,000 | $ 268,637 | $ 112,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 129 | $ 63,407,000 | $ 491,527 | $ 194,000 |
| Stockton, CA | 112 | $ 35,167,000 | $ 313,991 | $ 130,000 |
| Phoenix-Mesa-Scottsdale, AZ | 111 | $ 29,672,000 | $ 267,315 | $ 151,000 |
| Merced, CA | 78 | $ 18,174,000 | $ 233,000 | $ 95,000 |
| Salinas, CA | 58 | $ 29,410,000 | $ 507,068 | $ 229,000 |
| Los Angeles-Long Beach-Glendale, CA | 43 | $ 20,697,000 | $ 481,325 | $ 179,000 |
| Las Vegas-Paradise, NV | 36 | $ 10,821,000 | $ 300,583 | $ 161,000 |
| Reno-Sparks, NV | 33 | $ 12,238,000 | $ 370,848 | $ 223,000 |
| Santa Rosa-Petaluma, CA | 33 | $ 13,510,000 | $ 409,393 | $ 231,000 |
| San Diego-Carlsbad-San Marcos, CA | 32 | $ 14,725,000 | $ 460,156 | $ 209,000 |
| Riverside-San Bernardino-Ontario, CA | 30 | $ 9,762,000 | $ 325,400 | $ 170,000 |
| Fresno, CA | 26 | $ 6,279,000 | $ 241,500 | $ 126,000 |
| Boise City-Nampa, ID | 22 | $ 3,243,000 | $ 147,409 | $ 184,000 |
| Portland-Vancouver-Beaverton, OR-WA | 22 | $ 5,861,000 | $ 266,409 | $ 142,454 |
| Redding, CA | 21 | $ 5,341,000 | $ 254,333 | $ 138,000 |
| Napa, CA | 19 | $ 9,137,000 | $ 480,894 | $ 205,000 |
| Chico, CA | 14 | $ 3,619,000 | $ 258,500 | $ 111,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 1,817,000 | $ 139,769 | $ 88,000 |
| Santa Ana-Anaheim-Irvine, CA | 13 | $ 6,388,000 | $ 491,384 | $ 189,000 |
| Seattle-Bellevue-Everett, WA | 13 | $ 3,170,000 | $ 243,846 | $ 190,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 3,265,000 | $ 272,083 | $ 159,000 |
| Honolulu, HI | 11 | $ 4,569,000 | $ 415,363 | $ 195,000 |
| New Haven-Milford, CT | 10 | $ 1,501,000 | $ 150,100 | $ 109,000 |
| San Luis Obispo-Paso Robles, CA | 9 | $ 3,152,000 | $ 350,222 | $ 138,000 |
| Visalia-Porterville, CA | 9 | $ 2,446,000 | $ 271,777 | $ 118,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 2,578,000 | $ 286,444 | $ 130,000 |
| San Antonio, TX | 7 | $ 1,270,000 | $ 181,428 | $ 183,000 |
| Medford, OR | 6 | $ 1,886,000 | $ 314,333 | $ 152,000 |
| Santa Barbara-Santa Maria, CA | 6 | $ 2,278,000 | $ 379,666 | $ 343,000 |
| Tacoma, WA | 6 | $ 842,000 | $ 140,333 | $ 203,000 |
| Yuba City, CA | 6 | $ 829,000 | $ 138,166 | $ 70,000 |
| Albuquerque, NM | 5 | $ 819,000 | $ 163,800 | $ 157,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,392,000 | $ 278,400 | $ 184,000 |
| Madera, CA | 5 | $ 1,406,000 | $ 281,200 | $ 102,000 |
| Bend, OR | 4 | $ 1,597,000 | $ 399,250 | $ 440,000 |
| Coeur D'Alene, ID | 4 | $ 590,000 | $ 147,500 | $ 134,000 |
| Denver-Aurora, CO | 4 | $ 1,414,000 | $ 353,500 | $ 159,000 |
| Prescott, AZ | 4 | $ 1,090,000 | $ 272,500 | $ 186,000 |
| Spokane, WA | 4 | $ 322,000 | $ 80,500 | $ 87,000 |
| St. Louis, MO-IL | 4 | $ 721,000 | $ 180,250 | $ 75,000 |
| Anderson, SC | 3 | $ 462,000 | $ 154,000 | $ 111,000 |
| Austin-Round Rock, TX | 3 | $ 481,000 | $ 160,333 | $ 163,000 |
| Carson City, NV | 3 | $ 470,000 | $ 156,666 | $ 128,000 |
| Charleston-North Charleston, SC | 3 | $ 954,000 | $ 318,000 | $ 181,000 |
| Fort Worth-Arlington, TX | 3 | $ 247,000 | $ 82,333 | $ 174,000 |
| Idaho Falls, ID | 3 | $ 379,000 | $ 126,333 | $ 194,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,719,000 | $ 573,000 | $ 134,000 |
| Springfield, MO | 3 | $ 538,000 | $ 179,333 | $ 164,000 |
| Tucson, AZ | 3 | $ 571,000 | $ 190,333 | $ 176,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 386,000 | $ 193,000 | $ 107,000 |
| Eugene-Springfield, OR | 2 | $ 516,000 | $ 258,000 | $ 57,000 |
| Pittsburgh, PA | 2 | $ 571,000 | $ 285,500 | $ 205,000 |
| Santa Fe, NM | 2 | $ 198,000 | $ 99,000 | $ 38,000 |
| Bellingham, WA | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Boston-Quincy, MA | 1 | $ 298,000 | $ 298,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 123,000 | $ 123,000 | $ 102,000 |
| Colorado Springs, CO | 1 | $ 180,000 | $ 180,000 | $ 147,000 |
| Columbia, SC | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| El Paso, TX | 1 | $ 322,000 | $ 322,000 | $ 150,000 |
| Flagstaff, AZ | 1 | $ 123,000 | $ 123,000 | $ 58,000 |
| Florence, SC | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Greenville, SC | 1 | $ 13,000 | $ 13,000 | $ 115,000 |
| Hanford-Corcoran, CA | 1 | $ 150,000 | $ 150,000 | $ 87,000 |
| Jacksonville, NC | 1 | $ 675,000 | $ 675,000 | $ 253,000 |
| Kansas City, MO-KS | 1 | $ 288,000 | $ 288,000 | $ 150,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 159,000 | $ 159,000 | $ 37,000 |
| Las Cruces, NM | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Logan, UT-ID | 1 | $ 92,000 | $ 92,000 | $ 360,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 160,000 | $ 160,000 | $ 129,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 193,000 | $ 193,000 | $ 322,000 |
| Richmond, VA | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Salem, OR | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Yuma, AZ | 1 | $ 160,000 | $ 160,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Nl Inc in 2006
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 | 2,462 | $974,164,000 | $395,000 | $2,765,000 | $164,000 | $2,128,000 |
| Home Purchase | 2,403 | $880,108,000 | $366,000 | $3,000,000 | $178,000 | $2,108,000 |
| 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 | 2,909 | $1,153,499,000 | $396,000 | $3,000,000 | $180,000 | $2,128,000 |
| Not Provided | 984 | $381,967,000 | $388,000 | $2,500,000 | $173,000 | $1,011,000 |
| Hispanic | 543 | $167,123,000 | $307,000 | $1,615,000 | $128,000 | $1,259,000 |
| Asian | 191 | $72,312,000 | $378,000 | $2,000,000 | $164,000 | $526,000 |
| Black or African American | 171 | $53,402,000 | $312,000 | $1,000,000 | $144,000 | $674,000 |
| Native Hawaiian or Other Pacific Islander | 61 | $23,059,000 | $378,000 | $1,495,000 | $157,000 | $491,000 |
| American Indian or Alaskan Native | 6 | $2,910,000 | $485,000 | $875,000 | $151,000 | $438,000 |
| 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) | 4,865 | $1,854,272,000 | $381,000 | $3,000,000 | $171,000 | $2,128,000 |
| 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 | 4,009 | $1,567,256,000 | $390,000 | $3,000,000 | $171,000 | $2,128,000 |
| Application Approved But Not Accepted | 536 | $187,111,000 | $349,000 | $1,780,000 | $162,000 | $724,000 |
| Application Withdrawn By Applicant | 178 | $57,960,000 | $325,000 | $2,500,000 | $197,000 | $1,111,000 |
| File Closed For Incompleteness | 86 | $27,279,000 | $317,000 | $2,000,000 | $171,000 | $585,000 |
| Application Denied By Financial Institution | 56 | $14,666,000 | $261,000 | $1,120,000 | $170,000 | $960,000 |
| 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 | 15 | $3,694,000 | $246,000 | $532,000 | $129,000 | $407,000 |
| Debt-To-Income Ratio | 7 | $1,722,000 | $246,000 | $570,000 | $137,000 | $283,000 |
| Collateral | 4 | $732,000 | $183,000 | $500,000 | $79,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $974,000 | $324,000 | $510,000 | $230,000 | $432,000 |
| Unverifiable Information | 3 | $880,000 | $293,000 | $540,000 | $88,000 | $210,000 |
| Other | 2 | $52,000 | $26,000 | $35,000 | $217,000 | $230,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $83,000 | $83,000 |
| Credit Application Incomplete | 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 2006 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.
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