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Disclosure Act (HMDA) records Nl Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 2,210 | $ 968,777,000 | $ 438,360 | $ 178,000 |
| San Francisco-San Mateo-Redwood City, CA | 481 | $ 271,568,000 | $ 564,590 | $ 226,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 362 | $ 99,791,000 | $ 275,665 | $ 138,000 |
| Modesto, CA | 288 | $ 69,067,000 | $ 239,815 | $ 89,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 155 | $ 72,199,000 | $ 465,800 | $ 187,000 |
| Stockton, CA | 138 | $ 43,782,000 | $ 317,260 | $ 155,000 |
| Merced, CA | 125 | $ 30,889,000 | $ 247,112 | $ 103,000 |
| Santa Rosa-Petaluma, CA | 113 | $ 37,766,000 | $ 334,212 | $ 132,000 |
| Vallejo-Fairfield, CA | 113 | $ 34,106,000 | $ 301,823 | $ 129,000 |
| Phoenix-Mesa-Scottsdale, AZ | 92 | $ 20,398,000 | $ 221,717 | $ 236,000 |
| Santa Cruz-Watsonville, CA | 92 | $ 45,339,000 | $ 492,815 | $ 200,000 |
| Napa, CA | 85 | $ 33,227,000 | $ 390,905 | $ 205,000 |
| Los Angeles-Long Beach-Glendale, CA | 69 | $ 30,148,000 | $ 436,927 | $ 167,000 |
| San Diego-Carlsbad-San Marcos, CA | 54 | $ 23,476,000 | $ 434,740 | $ 165,000 |
| Portland-Vancouver-Beaverton, OR-WA | 41 | $ 10,813,000 | $ 263,731 | $ 132,780 |
| Bakersfield, CA | 36 | $ 6,037,000 | $ 167,694 | $ 108,000 |
| Riverside-San Bernardino-Ontario, CA | 36 | $ 14,115,000 | $ 392,083 | $ 229,000 |
| Reno-Sparks, NV | 33 | $ 16,133,000 | $ 488,878 | $ 299,000 |
| Las Vegas-Paradise, NV | 25 | $ 7,480,000 | $ 299,200 | $ 249,000 |
| Fresno, CA | 23 | $ 5,116,000 | $ 222,434 | $ 118,000 |
| Charleston-North Charleston, SC | 22 | $ 5,156,000 | $ 234,363 | $ 178,000 |
| Albuquerque, NM | 19 | $ 2,391,000 | $ 125,842 | $ 198,000 |
| Salinas, CA | 19 | $ 9,259,000 | $ 487,315 | $ 205,000 |
| Honolulu, HI | 17 | $ 6,234,000 | $ 366,705 | $ 233,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 6,035,000 | $ 355,000 | $ 126,000 |
| Santa Ana-Anaheim-Irvine, CA | 17 | $ 9,079,000 | $ 534,058 | $ 224,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 7,090,000 | $ 443,125 | $ 184,000 |
| Chico, CA | 15 | $ 3,378,000 | $ 225,200 | $ 107,000 |
| Denver-Aurora, CO | 15 | $ 3,234,000 | $ 215,600 | $ 176,000 |
| Bridgeport-Stamford-Norwalk, CT | 14 | $ 8,054,000 | $ 575,285 | $ 220,000 |
| Boise City-Nampa, ID | 13 | $ 1,970,000 | $ 151,538 | $ 182,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 13 | $ 10,957,000 | $ 842,846 | $ 387,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 11 | $ 3,450,000 | $ 313,636 | $ 148,000 |
| San Luis Obispo-Paso Robles, CA | 11 | $ 3,923,000 | $ 356,636 | $ 169,000 |
| Austin-Round Rock, TX | 10 | $ 2,012,000 | $ 201,200 | $ 188,000 |
| New Haven-Milford, CT | 10 | $ 1,555,000 | $ 155,500 | $ 86,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 2,666,000 | $ 266,600 | $ 105,000 |
| Madera, CA | 9 | $ 2,276,000 | $ 252,888 | $ 96,000 |
| Bend, OR | 8 | $ 3,187,000 | $ 398,375 | $ 521,000 |
| Corpus Christi, TX | 8 | $ 1,357,000 | $ 169,625 | $ 165,000 |
| Visalia-Porterville, CA | 8 | $ 1,792,000 | $ 224,000 | $ 131,000 |
| Yuba City, CA | 8 | $ 1,646,000 | $ 205,750 | $ 98,000 |
| Boulder, CO | 7 | $ 1,925,000 | $ 275,000 | $ 146,000 |
| Bremerton-Silverdale, WA | 7 | $ 1,618,000 | $ 231,142 | $ 161,000 |
| Redding, CA | 7 | $ 1,769,000 | $ 252,714 | $ 95,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 788,000 | $ 131,333 | $ 92,000 |
| Memphis, TN-MS-AR | 6 | $ 436,000 | $ 72,666 | $ 109,000 |
| Prescott, AZ | 6 | $ 1,114,000 | $ 185,666 | $ 126,000 |
| Tacoma, WA | 6 | $ 1,613,000 | $ 268,833 | $ 137,000 |
| Tucson, AZ | 6 | $ 1,561,000 | $ 260,166 | $ 105,000 |
| Dallas-Plano-Irving, TX | 5 | $ 970,000 | $ 194,000 | $ 176,000 |
| Eugene-Springfield, OR | 5 | $ 881,000 | $ 176,200 | $ 130,000 |
| Kennewick-Richland-Pasco, WA | 5 | $ 419,000 | $ 83,800 | $ 89,000 |
| Olympia, WA | 5 | $ 861,000 | $ 172,200 | $ 122,000 |
| Columbia, SC | 4 | $ 415,000 | $ 103,750 | $ 58,000 |
| Kansas City, MO-KS | 4 | $ 540,000 | $ 135,000 | $ 212,000 |
| Medford, OR | 4 | $ 1,496,000 | $ 374,000 | $ 134,000 |
| Pittsburgh, PA | 4 | $ 313,000 | $ 78,250 | $ 96,000 |
| Spokane, WA | 4 | $ 1,053,000 | $ 263,250 | $ 183,000 |
| Yakima, WA | 4 | $ 557,000 | $ 139,250 | $ 102,000 |
| Columbia, MO | 3 | $ 194,000 | $ 64,666 | $ 111,000 |
| Fort Collins-Loveland, CO | 3 | $ 911,000 | $ 303,666 | $ 196,000 |
| Grand Junction, CO | 3 | $ 764,000 | $ 254,666 | $ 153,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 617,000 | $ 205,666 | $ 187,000 |
| Roanoke, VA | 3 | $ 414,000 | $ 138,000 | $ 96,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 498,000 | $ 249,000 | $ 198,000 |
| Carson City, NV | 2 | $ 434,000 | $ 217,000 | $ 87,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 199,000 | $ 99,500 | $ 83,000 |
| Fort Worth-Arlington, TX | 2 | $ 737,000 | $ 368,500 | $ 127,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 242,000 | $ 121,000 | $ 124,000 |
| Jackson, TN | 2 | $ 141,000 | $ 70,500 | $ 61,000 |
| Norwich-New London, CT | 2 | $ 216,000 | $ 108,000 | $ 54,000 |
| Orlando-Kissimmee, FL | 2 | $ 427,000 | $ 213,500 | $ 55,000 |
| Salem, OR | 2 | $ 298,000 | $ 149,000 | $ 152,000 |
| Springfield, MO | 2 | $ 152,000 | $ 76,000 | $ 36,000 |
| St. Louis, MO-IL | 2 | $ 514,000 | $ 257,000 | $ 1,520,000 |
| Anderson, SC | 1 | $ 100,000 | $ 100,000 | $ 144,000 |
| Baltimore-Towson, MD | 1 | $ 278,000 | $ 278,000 | $ 64,000 |
| Bellingham, WA | 1 | $ 244,000 | $ 244,000 | $ 173,000 |
| Boston-Quincy, MA | 1 | $ 328,000 | $ 328,000 | $ 96,000 |
| Colorado Springs, CO | 1 | $ 480,000 | $ 480,000 | $ 90,000 |
| Corvallis, OR | 1 | $ 84,000 | $ 84,000 | $ 57,000 |
| Evansville, IN-KY | 1 | $ 198,000 | $ 198,000 | $ 142,000 |
| Flint, MI | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Gainesville, GA | 1 | $ 1,238,000 | $ 1,238,000 | $ 3,074,000 |
| Idaho Falls, ID | 1 | $ 127,000 | $ 127,000 | $ 162,000 |
| Indianapolis-Carmel, IN | 1 | $ 80,000 | $ 80,000 | $ 62,000 |
| Longview, WA | 1 | $ 339,000 | $ 339,000 | $ 98,000 |
| San Antonio, TX | 1 | $ 155,000 | $ 155,000 | $ 330,000 |
| Savannah, GA | 1 | $ 228,000 | $ 228,000 | $ 56,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 166,000 | $ 166,000 | $ 85,000 |
| Yuma, AZ | 1 | $ 41,000 | $ 41,000 | $ 147,000 |
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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