Npb Mortgage LLC Mortgage Lending & HMDA Data, 2011
In 2011, Npb Mortgage LLC of Grand Rapids, MI reported 461 mortgage applications totaling $98.3 million, down 9% from 2010. The average application was for $213,299, and applicants reported an average income of $114,887. 45% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Grand Rapids-Wyoming, MI (97), Indianapolis-Carmel, IN (90) and Columbus, OH (53) (applications in parentheses).
| Mortgage Company & Address | Npb Mortgage LLC 3333 Deposit Drive Ne Grand Rapids, MI 49546 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 461 |
| Total Mortgage Loan Application Amount | $98,331,000 |
| Average Mortgage Loan Application Amount | $213,299 |
| Highest Mortgage Loan Application Amount | $1,665,000 |
| Average Applicant Income | $114,887 |
| Highest Applicant Income | $854,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Npb Mortgage LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Grand Rapids-Wyoming, MI | 97 | $ 14,758,000 | $ 152,144 | $ 83,000 |
| Indianapolis-Carmel, IN | 90 | $ 23,484,000 | $ 260,933 | $ 157,000 |
| Columbus, OH | 53 | $ 10,270,000 | $ 193,773 | $ 105,000 |
| Holland-Grand Haven, MI | 24 | $ 4,042,000 | $ 168,416 | $ 83,000 |
| Warren-Troy-Farmington Hills, MI | 17 | $ 4,075,000 | $ 239,705 | $ 134,000 |
| Lansing-East Lansing, MI | 16 | $ 2,336,000 | $ 146,000 | $ 42,000 |
| Chicago-Joliet-Naperville, IL | 8 | $ 1,767,000 | $ 220,875 | $ 151,000 |
| Kalamazoo-Portage, MI | 8 | $ 1,646,000 | $ 205,750 | $ 150,000 |
| Cleveland-Elyria-Mentor, OH | 7 | $ 919,000 | $ 131,285 | $ 97,000 |
| Phoenix-Mesa-Glendale, AZ | 7 | $ 3,058,000 | $ 436,857 | $ 139,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 767,000 | $ 127,833 | $ 84,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,160,000 | $ 360,000 | $ 112,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 2,016,000 | $ 336,000 | $ 101,000 |
| Battle Creek, MI | 4 | $ 408,000 | $ 102,000 | $ 49,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,046,000 | $ 261,500 | $ 92,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 898,000 | $ 224,500 | $ 56,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 1,031,000 | $ 343,666 | $ 250,000 |
| Gary, IN | 3 | $ 515,000 | $ 171,666 | $ 118,000 |
| Jackson, MI | 3 | $ 245,000 | $ 81,666 | $ 61,000 |
| Muskegon-Norton Shores, MI | 3 | $ 718,000 | $ 239,333 | $ 160,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 923,000 | $ 307,666 | $ 94,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 316,000 | $ 105,333 | $ 34,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 663,000 | $ 221,000 | $ 40,000 |
| Ann Arbor, MI | 2 | $ 389,000 | $ 194,500 | $ 57,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 261,000 | $ 130,500 | $ 162,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 385,000 | $ 192,500 | $ 113,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 651,000 | $ 325,500 | $ 122,000 |
| Nassau-Suffolk, NY | 2 | $ 514,000 | $ 257,000 | $ 60,000 |
| Raleigh-Cary, NC | 2 | $ 503,000 | $ 251,500 | $ 95,000 |
| Salem, OR | 2 | $ 180,000 | $ 90,000 | $ 41,000 |
| Toledo, OH | 2 | $ 540,000 | $ 270,000 | $ 139,000 |
| Akron, OH | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 376,000 | $ 376,000 | $ 73,000 |
| Anderson, IN | 1 | $ 165,000 | $ 165,000 | $ 139,000 |
| Auburn-Opelika, AL | 1 | $ 144,000 | $ 144,000 | $ 82,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 417,000 | $ 417,000 | $ 224,000 |
| Bay City, MI | 1 | $ 82,000 | $ 82,000 | $ 21,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 600,000 | $ 600,000 | $ 224,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 230,000 | $ 230,000 | $ 108,000 |
| Chattanooga, TN-GA | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Corvallis, OR | 1 | $ 341,000 | $ 341,000 | $ 77,000 |
| Dallas-Plano-Irving, TX | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Dayton, OH | 1 | $ 239,000 | $ 239,000 | $ 76,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Denver-Aurora-Broomfield, CO | 1 | $ 350,000 | $ 350,000 | $ 0 |
| El Paso, TX | 1 | $ 190,000 | $ 190,000 | $ 128,000 |
| Flint, MI | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Fort Wayne, IN | 1 | $ 256,000 | $ 256,000 | $ 400,000 |
| Fort Worth-Arlington, TX | 1 | $ 299,000 | $ 299,000 | $ 168,000 |
| Grand Junction, CO | 1 | $ 170,000 | $ 170,000 | $ 190,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 170,000 | $ 170,000 | $ 97,000 |
| Jacksonville, FL | 1 | $ 220,000 | $ 220,000 | $ 70,000 |
| Janesville, WI | 1 | $ 280,000 | $ 280,000 | $ 854,000 |
| Kansas City, MO-KS | 1 | $ 408,000 | $ 408,000 | $ 700,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 259,000 | $ 259,000 | $ 46,000 |
| Kokomo, IN | 1 | $ 140,000 | $ 140,000 | $ 195,000 |
| Lancaster, PA | 1 | $ 152,000 | $ 152,000 | $ 96,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 162,000 | $ 162,000 | $ 159,000 |
| Mansfield, OH | 1 | $ 113,000 | $ 113,000 | $ 41,000 |
| Medford, OR | 1 | $ 75,000 | $ 75,000 | $ 141,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 276,000 | $ 276,000 | $ 84,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 88,000 | $ 88,000 | $ 184,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 60,000 | $ 60,000 | $ 88,000 |
| Reno-Sparks, NV | 1 | $ 186,000 | $ 186,000 | $ 100,000 |
| Rochester, NY | 1 | $ 88,000 | $ 88,000 | $ 42,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 202,000 | $ 202,000 | $ 165,000 |
| Sandusky, OH | 1 | $ 168,000 | $ 168,000 | $ 102,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 1,576,000 | $ 1,576,000 | $ 492,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 335,000 | $ 335,000 | $ 258,000 |
| St. Louis, MO-IL | 1 | $ 397,000 | $ 397,000 | $ 203,000 |
| Syracuse, NY | 1 | $ 1,665,000 | $ 1,665,000 | $ 285,000 |
| Wilmington, NC | 1 | $ 195,000 | $ 195,000 | $ 300,000 |
| Winston-Salem, NC | 1 | $ 250,000 | $ 250,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Npb Mortgage LLC in 2011
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 | 357 | $79,332,000 | $222,000 | $1,665,000 | $117,000 | $854,000 |
| Home Purchase | 102 | $18,779,000 | $184,000 | $600,000 | $109,000 | $655,000 |
| Home Improvement | 2 | $220,000 | $110,000 | $110,000 | $38,000 | $40,000 |
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 | 352 | $74,192,000 | $210,000 | $1,665,000 | $119,000 | $854,000 |
| Not Provided | 77 | $17,741,000 | $230,000 | $1,000,000 | $93,000 | $400,000 |
| Asian | 17 | $3,464,000 | $203,000 | $417,000 | $139,000 | $408,000 |
| Hispanic | 9 | $1,509,000 | $167,000 | $317,000 | $85,000 | $266,000 |
| Black or African American | 5 | $1,290,000 | $258,000 | $468,000 | $156,000 | $360,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $73,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 433 | $94,233,000 | $217,000 | $1,665,000 | $118,000 | $854,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,252,000 | $132,000 | $415,000 | $59,000 | $331,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,846,000 | $167,000 | $468,000 | $81,000 | $252,000 |
| FHA-insured (Federal Housing 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 | 207 | $44,684,000 | $215,000 | $417,000 | $126,000 | $854,000 |
| Application Denied By Financial Institution | 130 | $27,039,000 | $207,000 | $1,665,000 | $84,000 | $547,000 |
| Application Withdrawn By Applicant | 76 | $16,517,000 | $217,000 | $1,000,000 | $146,000 | $700,000 |
| File Closed For Incompleteness | 47 | $9,954,000 | $211,000 | $545,000 | $105,000 | $460,000 |
| Application Approved But Not Accepted | 1 | $137,000 | $137,000 | $137,000 | $83,000 | $83,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Npb Mortgage LLC's 2011 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 Npb Mortgage LLC'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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