BNC Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, BNC Mortgage of New York, NY reported 91,889 mortgage applications totaling $23.6 billion. The average application was for $256,910, and applicants reported an average income of $106,730. 26% of its applications resulted in an originated loan and 64% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (5,900), Los Angeles-Long Beach-Glendale, CA (5,805) and Riverside-San Bernardino-Ontario, CA (5,745) (applications in parentheses).
| Mortgage Company & Address | BNC Mortgage 745 Seventh Avenue, 24th Floor New York, NY 10019 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 |
| Total Number of Mortgage Applications | 91,889 |
| Total Mortgage Loan Application Amount | $23,607,247,000 |
| Average Mortgage Loan Application Amount | $256,910 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $106,730 |
| Highest Applicant Income | $9,528,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records BNC Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 5,900 | $ 1,309,910,000 | $ 222,018 | $ 91,000 |
| Los Angeles-Long Beach-Glendale, CA | 5,805 | $ 2,287,508,000 | $ 394,058 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 5,745 | $ 1,855,424,000 | $ 322,963 | $ 117,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3,961 | $ 907,543,000 | $ 229,119 | $ 95,000 |
| New York-White Plains-Wayne, NY-NJ | 2,480 | $ 1,054,356,000 | $ 425,143 | $ 143,872 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2,420 | $ 780,383,000 | $ 322,472 | $ 107,814 |
| Miami-Miami Beach-Kendall, FL | 2,216 | $ 564,977,000 | $ 254,953 | $ 110,000 |
| Baltimore-Towson, MD | 1,901 | $ 419,310,000 | $ 220,573 | $ 92,000 |
| Philadelphia, PA | 1,570 | $ 251,570,000 | $ 160,235 | $ 91,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,532 | $ 283,662,000 | $ 185,157 | $ 95,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,514 | $ 384,134,000 | $ 253,721 | $ 102,000 |
| Las Vegas-Paradise, NV | 1,425 | $ 391,511,000 | $ 274,744 | $ 114,000 |
| Oakland-Fremont-Hayward, CA | 1,376 | $ 591,290,000 | $ 429,716 | $ 149,000 |
| Orlando-Kissimmee, FL | 1,374 | $ 300,933,000 | $ 219,019 | $ 114,000 |
| Nassau-Suffolk, NY | 1,366 | $ 504,968,000 | $ 369,669 | $ 136,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,343 | $ 283,506,000 | $ 211,099 | $ 114,000 |
| Detroit-Livonia-Dearborn, MI | 1,342 | $ 140,635,000 | $ 104,795 | $ 64,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,304 | $ 303,350,000 | $ 232,630 | $ 116,323 |
| Santa Ana-Anaheim-Irvine, CA | 1,206 | $ 570,485,000 | $ 473,038 | $ 160,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,076 | $ 411,431,000 | $ 382,370 | $ 144,000 |
| Newark-Union, NJ-PA | 1,017 | $ 312,255,000 | $ 307,035 | $ 114,283 |
| Portland-Vancouver-Beaverton, OR-WA | 1,002 | $ 264,659,000 | $ 264,130 | $ 125,894 |
| Sacramento--Arden-Arcade--Roseville, CA | 969 | $ 313,797,000 | $ 323,835 | $ 122,000 |
| St. Louis, MO-IL | 909 | $ 109,585,000 | $ 120,555 | $ 64,316 |
| Cleveland-Elyria-Mentor, OH | 889 | $ 111,651,000 | $ 125,591 | $ 80,000 |
| Warren-Troy-Farmington Hills, MI | 827 | $ 173,332,000 | $ 209,591 | $ 102,000 |
| Bakersfield, CA | 792 | $ 174,558,000 | $ 220,401 | $ 82,000 |
| Fresno, CA | 767 | $ 166,541,000 | $ 217,132 | $ 93,000 |
| Seattle-Bellevue-Everett, WA | 767 | $ 238,863,000 | $ 311,425 | $ 120,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 728 | $ 189,176,000 | $ 259,857 | $ 120,000 |
| Honolulu, HI | 721 | $ 296,554,000 | $ 411,309 | $ 125,000 |
| Salt Lake City, UT | 712 | $ 166,028,000 | $ 233,185 | $ 93,000 |
| Denver-Aurora, CO | 647 | $ 145,155,000 | $ 224,350 | $ 108,000 |
| Stockton, CA | 634 | $ 204,276,000 | $ 322,201 | $ 123,000 |
| Edison, NJ | 604 | $ 195,038,000 | $ 322,910 | $ 125,000 |
| Jacksonville, FL | 593 | $ 104,405,000 | $ 176,062 | $ 82,000 |
| Milwaukee-Waukesha-West Allis, WI | 541 | $ 74,564,000 | $ 137,826 | $ 67,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 529 | $ 102,062,000 | $ 192,933 | $ 86,340 |
| San Jose-Sunnyvale-Santa Clara, CA | 505 | $ 247,624,000 | $ 490,344 | $ 170,000 |
| Camden, NJ | 486 | $ 105,601,000 | $ 217,286 | $ 100,000 |
| Pittsburgh, PA | 484 | $ 59,138,000 | $ 122,185 | $ 85,000 |
| New Haven-Milford, CT | 471 | $ 102,132,000 | $ 216,840 | $ 102,000 |
| Tucson, AZ | 456 | $ 88,399,000 | $ 193,857 | $ 81,000 |
| Hartford-West Hartford-East Hartford, CT | 432 | $ 92,441,000 | $ 213,983 | $ 89,000 |
| Kansas City, MO-KS | 431 | $ 54,744,000 | $ 127,016 | $ 84,575 |
| Memphis, TN-MS-AR | 430 | $ 57,015,000 | $ 132,593 | $ 70,762 |
| Columbus, OH | 406 | $ 56,756,000 | $ 139,793 | $ 101,000 |
| Providence-New Bedford-Fall River, RI-MA | 399 | $ 102,704,000 | $ 257,403 | $ 125,000 |
| Richmond, VA | 397 | $ 76,071,000 | $ 191,614 | $ 116,000 |
| Visalia-Porterville, CA | 396 | $ 79,705,000 | $ 201,275 | $ 81,000 |
| Provo-Orem, UT | 395 | $ 99,303,000 | $ 251,400 | $ 111,000 |
| Modesto, CA | 394 | $ 123,327,000 | $ 313,012 | $ 117,000 |
| Bridgeport-Stamford-Norwalk, CT | 382 | $ 120,721,000 | $ 316,023 | $ 129,000 |
| Boise City-Nampa, ID | 371 | $ 82,967,000 | $ 223,630 | $ 147,000 |
| Tacoma, WA | 363 | $ 90,068,000 | $ 248,121 | $ 103,000 |
| Ogden-Clearfield, UT | 362 | $ 72,607,000 | $ 200,571 | $ 87,000 |
| Gary, IN | 344 | $ 41,060,000 | $ 119,360 | $ 79,000 |
| Bethesda-Gaithersburg-Frederick, MD | 328 | $ 117,243,000 | $ 357,448 | $ 122,000 |
| Boston-Quincy, MA | 327 | $ 102,764,000 | $ 314,262 | $ 107,000 |
| Cape Coral-Fort Myers, FL | 303 | $ 74,386,000 | $ 245,498 | $ 116,000 |
| Lake County-Kenosha County, IL-WI | 301 | $ 68,589,000 | $ 227,870 | $ 112,262 |
| Lakeland, FL | 296 | $ 49,763,000 | $ 168,118 | $ 75,000 |
| Cincinnati-Middletown, OH-KY-IN | 292 | $ 46,537,000 | $ 159,373 | $ 81,383 |
| Flint, MI | 278 | $ 30,615,000 | $ 110,125 | $ 72,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 276 | $ 54,260,000 | $ 196,594 | $ 85,000 |
| Vallejo-Fairfield, CA | 270 | $ 106,750,000 | $ 395,370 | $ 135,000 |
| San Francisco-San Mateo-Redwood City, CA | 254 | $ 141,225,000 | $ 556,003 | $ 208,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 244 | $ 104,817,000 | $ 429,577 | $ 136,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 228 | $ 43,641,000 | $ 191,407 | $ 81,710 |
| Port St. Lucie, FL | 227 | $ 49,897,000 | $ 219,810 | $ 96,000 |
| Albuquerque, NM | 218 | $ 42,799,000 | $ 196,325 | $ 95,000 |
| Wilmington, DE-MD-NJ | 214 | $ 42,662,000 | $ 199,355 | $ 84,046 |
| Lansing-East Lansing, MI | 211 | $ 27,299,000 | $ 129,379 | $ 78,000 |
| Palm Bay-Melbourne-Titusville, FL | 210 | $ 42,234,000 | $ 201,114 | $ 119,000 |
| Ocala, FL | 198 | $ 37,614,000 | $ 189,969 | $ 85,000 |
| Indianapolis-Carmel, IN | 195 | $ 34,285,000 | $ 175,820 | $ 109,000 |
| Akron, OH | 188 | $ 27,310,000 | $ 145,265 | $ 96,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 186 | $ 51,867,000 | $ 278,854 | $ 119,000 |
| Salinas, CA | 186 | $ 82,213,000 | $ 442,005 | $ 150,000 |
| Salem, OR | 185 | $ 41,399,000 | $ 223,778 | $ 98,000 |
| Sarasota-Bradenton-Venice, FL | 185 | $ 44,760,000 | $ 241,945 | $ 91,000 |
| Anchorage, AK | 166 | $ 41,526,000 | $ 250,156 | $ 127,000 |
| Grand Rapids-Wyoming, MI | 166 | $ 22,165,000 | $ 133,524 | $ 65,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 164 | $ 29,432,000 | $ 179,463 | $ 122,000 |
| St. George, UT | 164 | $ 58,540,000 | $ 356,951 | $ 194,000 |
| Charlotte-Gastonia-Concord, NC-SC | 163 | $ 31,058,000 | $ 190,539 | $ 105,453 |
| Merced, CA | 162 | $ 47,262,000 | $ 291,740 | $ 126,000 |
| Dayton, OH | 158 | $ 16,296,000 | $ 103,139 | $ 93,000 |
| Albany-Schenectady-Troy, NY | 155 | $ 23,696,000 | $ 152,877 | $ 88,000 |
| Naples-Marco Island, FL | 151 | $ 48,902,000 | $ 323,854 | $ 152,000 |
| Springfield, MA | 149 | $ 27,461,000 | $ 184,302 | $ 87,000 |
| Worcester, MA | 144 | $ 34,034,000 | $ 236,347 | $ 98,000 |
| Madera, CA | 134 | $ 36,012,000 | $ 268,746 | $ 103,000 |
| Atlantic City, NJ | 133 | $ 32,738,000 | $ 246,150 | $ 97,000 |
| Colorado Springs, CO | 133 | $ 29,529,000 | $ 222,022 | $ 103,000 |
| Spokane, WA | 126 | $ 21,312,000 | $ 169,142 | $ 80,000 |
| New Orleans-Metairie-Kenner, LA | 125 | $ 22,254,000 | $ 178,032 | $ 131,000 |
| Trenton-Ewing, NJ | 121 | $ 26,725,000 | $ 220,867 | $ 100,000 |
| El Centro, CA | 120 | $ 25,570,000 | $ 213,083 | $ 98,000 |
| Knoxville, TN | 120 | $ 16,715,000 | $ 139,291 | $ 97,000 |
| Hagerstown-Martinsburg, MD-WV | 119 | $ 24,929,000 | $ 209,487 | $ 86,890 |
| Youngstown-Warren-Boardman, OH-PA | 117 | $ 12,821,000 | $ 109,581 | $ 93,555 |
| Cambridge-Newton-Framingham, MA | 116 | $ 39,236,000 | $ 338,241 | $ 128,000 |
| Chattanooga, TN-GA | 116 | $ 17,759,000 | $ 153,094 | $ 69,336 |
| Oklahoma City, OK | 116 | $ 10,710,000 | $ 92,327 | $ 85,000 |
| Scranton--Wilkes-Barre, PA | 114 | $ 13,754,000 | $ 120,649 | $ 81,000 |
| Lake Havasu City-Kingman, AZ | 112 | $ 25,516,000 | $ 227,821 | $ 117,000 |
| Olympia, WA | 107 | $ 27,252,000 | $ 254,691 | $ 110,000 |
| Peabody, MA | 104 | $ 30,780,000 | $ 295,961 | $ 101,000 |
| Santa Rosa-Petaluma, CA | 104 | $ 45,663,000 | $ 439,067 | $ 142,000 |
| Rockford, IL | 102 | $ 14,097,000 | $ 138,205 | $ 69,000 |
| Eugene-Springfield, OR | 101 | $ 23,978,000 | $ 237,405 | $ 92,000 |
| Palm Coast, FL | 100 | $ 23,858,000 | $ 238,580 | $ 125,000 |
| Portland-South Portland-Biddeford, ME | 98 | $ 25,890,000 | $ 264,183 | $ 135,000 |
| Jackson, MS | 95 | $ 12,495,000 | $ 131,526 | $ 67,000 |
| Chico, CA | 93 | $ 22,095,000 | $ 237,580 | $ 100,000 |
| Greeley, CO | 93 | $ 21,390,000 | $ 230,000 | $ 135,000 |
| Hanford-Corcoran, CA | 93 | $ 16,062,000 | $ 172,709 | $ 75,000 |
| Raleigh-Cary, NC | 92 | $ 19,681,000 | $ 213,923 | $ 127,000 |
| Prescott, AZ | 91 | $ 23,864,000 | $ 262,241 | $ 127,000 |
| Canton-Massillon, OH | 90 | $ 10,582,000 | $ 117,577 | $ 63,000 |
| Reno-Sparks, NV | 86 | $ 23,342,000 | $ 271,418 | $ 105,000 |
| Louisville-Jefferson County, KY-IN | 84 | $ 11,792,000 | $ 140,380 | $ 81,500 |
| Racine, WI | 84 | $ 11,141,000 | $ 132,630 | $ 59,000 |
| York-Hanover, PA | 84 | $ 18,569,000 | $ 221,059 | $ 76,000 |
| Yuba City, CA | 84 | $ 20,929,000 | $ 249,154 | $ 78,000 |
| Redding, CA | 83 | $ 18,744,000 | $ 225,831 | $ 124,000 |
| Jackson, MI | 82 | $ 9,295,000 | $ 113,353 | $ 66,000 |
| Reading, PA | 82 | $ 14,072,000 | $ 171,609 | $ 85,000 |
| Yuma, AZ | 82 | $ 15,095,000 | $ 184,085 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 80 | $ 14,326,000 | $ 179,075 | $ 146,000 |
| Charleston-North Charleston, SC | 79 | $ 16,061,000 | $ 203,303 | $ 97,000 |
| Tallahassee, FL | 79 | $ 15,216,000 | $ 192,607 | $ 79,000 |
| Buffalo-Niagara Falls, NY | 78 | $ 6,718,000 | $ 86,128 | $ 86,000 |
| Fort Collins-Loveland, CO | 78 | $ 16,675,000 | $ 213,782 | $ 160,000 |
| Toledo, OH | 78 | $ 9,167,000 | $ 117,525 | $ 152,000 |
| Greensboro-High Point, NC | 77 | $ 9,987,000 | $ 129,701 | $ 100,000 |
| Columbia, SC | 75 | $ 11,562,000 | $ 154,160 | $ 102,000 |
| Baton Rouge, LA | 74 | $ 10,168,000 | $ 137,405 | $ 90,000 |
| Santa Cruz-Watsonville, CA | 70 | $ 33,148,000 | $ 473,542 | $ 178,000 |
| Kalamazoo-Portage, MI | 69 | $ 9,086,000 | $ 131,681 | $ 74,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 68 | $ 27,253,000 | $ 400,779 | $ 115,000 |
| Tulsa, OK | 67 | $ 6,609,000 | $ 98,641 | $ 64,000 |
| Bremerton-Silverdale, WA | 66 | $ 18,831,000 | $ 285,318 | $ 90,000 |
| Punta Gorda, FL | 65 | $ 15,190,000 | $ 233,692 | $ 96,000 |
| Duluth, MN-WI | 64 | $ 7,653,000 | $ 119,578 | $ 63,281 |
| South Bend-Mishawaka, IN-MI | 64 | $ 6,101,000 | $ 95,328 | $ 71,812 |
| Harrisburg-Carlisle, PA | 63 | $ 9,258,000 | $ 146,952 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 62 | $ 11,282,000 | $ 181,967 | $ 107,016 |
| Ann Arbor, MI | 60 | $ 13,193,000 | $ 219,883 | $ 105,000 |
| Kankakee-Bradley, IL | 60 | $ 7,373,000 | $ 122,883 | $ 59,000 |
| Mount Vernon-Anacortes, WA | 60 | $ 14,397,000 | $ 239,950 | $ 80,000 |
| Norwich-New London, CT | 59 | $ 12,433,000 | $ 210,728 | $ 78,000 |
| Rochester, NY | 59 | $ 7,265,000 | $ 123,135 | $ 84,000 |
| Winston-Salem, NC | 58 | $ 7,695,000 | $ 132,672 | $ 81,000 |
| Vineland-Millville-Bridgeton, NJ | 57 | $ 9,108,000 | $ 159,789 | $ 82,000 |
| Salisbury, MD | 56 | $ 11,997,000 | $ 214,232 | $ 89,000 |
| Little Rock-North Little Rock-Conway, AR | 55 | $ 7,579,000 | $ 137,800 | $ 73,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 55 | $ 14,521,000 | $ 264,018 | $ 140,000 |
| Bellingham, WA | 54 | $ 13,540,000 | $ 250,740 | $ 147,000 |
| Fairbanks, AK | 53 | $ 10,819,000 | $ 204,132 | $ 98,000 |
| Kingston, NY | 53 | $ 13,807,000 | $ 260,509 | $ 118,000 |
| Greenville-Mauldin-Easley, SC | 52 | $ 8,781,000 | $ 168,865 | $ 79,000 |
| Ocean City, NJ | 52 | $ 17,397,000 | $ 334,557 | $ 348,000 |
| Pueblo, CO | 52 | $ 6,633,000 | $ 127,557 | $ 70,000 |
| Muskegon-Norton Shores, MI | 51 | $ 6,068,000 | $ 118,980 | $ 68,000 |
| Sebastian-Vero Beach, FL | 51 | $ 10,354,000 | $ 203,019 | $ 94,000 |
| Holland-Grand Haven, MI | 50 | $ 8,320,000 | $ 166,400 | $ 88,000 |
| Lancaster, PA | 50 | $ 8,444,000 | $ 168,880 | $ 81,000 |
| Gainesville, FL | 49 | $ 8,384,000 | $ 171,102 | $ 88,000 |
| Yakima, WA | 49 | $ 5,871,000 | $ 119,816 | $ 57,000 |
| Battle Creek, MI | 48 | $ 6,437,000 | $ 134,104 | $ 54,000 |
| Bend, OR | 47 | $ 13,538,000 | $ 288,042 | $ 164,000 |
| Fort Wayne, IN | 46 | $ 3,683,000 | $ 80,065 | $ 50,000 |
| Medford, OR | 46 | $ 11,796,000 | $ 256,434 | $ 94,000 |
| Springfield, MO | 46 | $ 11,784,000 | $ 256,173 | $ 173,000 |
| Longview, WA | 45 | $ 8,229,000 | $ 182,866 | $ 82,000 |
| Niles-Benton Harbor, MI | 45 | $ 4,796,000 | $ 106,577 | $ 68,000 |
| Barnstable Town, MA | 43 | $ 16,716,000 | $ 388,744 | $ 167,000 |
| Savannah, GA | 42 | $ 7,277,000 | $ 173,261 | $ 135,000 |
| Grand Junction, CO | 41 | $ 10,218,000 | $ 249,219 | $ 92,000 |
| Rockingham County-Strafford County, NH | 41 | $ 10,948,000 | $ 267,024 | $ 110,000 |
| Saginaw-Saginaw Township North, MI | 40 | $ 3,795,000 | $ 94,875 | $ 52,000 |
| Coeur D'Alene, ID | 39 | $ 9,164,000 | $ 234,974 | $ 93,000 |
| Fort Walton Beach-Crestview-Destin, FL | 38 | $ 8,697,000 | $ 228,868 | $ 111,000 |
| Logan, UT-ID | 38 | $ 5,928,000 | $ 156,000 | $ 77,000 |
| Panama City-Lynn Haven, FL | 38 | $ 7,371,000 | $ 193,973 | $ 82,000 |
| Santa Fe, NM | 38 | $ 11,932,000 | $ 314,000 | $ 111,000 |
| Winchester, VA-WV | 37 | $ 9,517,000 | $ 257,216 | $ 94,864 |
| Idaho Falls, ID | 36 | $ 5,904,000 | $ 164,000 | $ 74,000 |
| Dover, DE | 35 | $ 7,946,000 | $ 227,028 | $ 79,000 |
| San Luis Obispo-Paso Robles, CA | 35 | $ 16,864,000 | $ 481,828 | $ 187,000 |
| Wilmington, NC | 35 | $ 9,057,000 | $ 258,771 | $ 132,000 |
| Green Bay, WI | 34 | $ 5,905,000 | $ 173,676 | $ 87,000 |
| Manchester-Nashua, NH | 33 | $ 8,138,000 | $ 246,606 | $ 85,000 |
| Des Moines-West Des Moines, IA | 32 | $ 6,942,000 | $ 216,937 | $ 108,000 |
| Bangor, ME | 31 | $ 4,968,000 | $ 160,258 | $ 58,000 |
| Boulder, CO | 31 | $ 8,588,000 | $ 277,032 | $ 137,000 |
| Erie, PA | 30 | $ 3,353,000 | $ 111,766 | $ 48,000 |
| Las Cruces, NM | 30 | $ 7,254,000 | $ 241,800 | $ 149,000 |
| Napa, CA | 30 | $ 14,911,000 | $ 497,033 | $ 149,000 |
| Rochester, MN | 30 | $ 5,458,000 | $ 181,933 | $ 73,000 |
| Monroe, MI | 28 | $ 5,314,000 | $ 189,785 | $ 75,000 |
| Omaha-Council Bluffs, NE-IA | 28 | $ 4,150,000 | $ 148,214 | $ 121,714 |
| Asheville, NC | 27 | $ 5,234,000 | $ 193,851 | $ 177,000 |
| Gulfport-Biloxi, MS | 27 | $ 4,482,000 | $ 166,000 | $ 93,000 |
| Lynchburg, VA | 27 | $ 4,579,000 | $ 169,592 | $ 85,000 |
| Augusta-Richmond County, GA-SC | 26 | $ 4,308,000 | $ 165,692 | $ 146,769 |
| Durham, NC | 26 | $ 3,746,000 | $ 144,076 | $ 69,000 |
| Lewiston-Auburn, ME | 26 | $ 4,127,000 | $ 158,730 | $ 108,000 |
| Charlottesville, VA | 25 | $ 5,187,000 | $ 207,480 | $ 63,000 |
| Bay City, MI | 24 | $ 2,584,000 | $ 107,666 | $ 69,000 |
| Evansville, IN-KY | 24 | $ 3,474,000 | $ 144,750 | $ 92,166 |
| Fort Smith, AR-OK | 24 | $ 2,345,000 | $ 97,708 | $ 56,666 |
| Kennewick-Richland-Pasco, WA | 24 | $ 3,368,000 | $ 140,333 | $ 58,000 |
| Madison, WI | 24 | $ 5,296,000 | $ 220,666 | $ 100,000 |
| Roanoke, VA | 23 | $ 4,051,000 | $ 176,130 | $ 92,000 |
| Shreveport-Bossier City, LA | 23 | $ 2,175,000 | $ 94,565 | $ 58,000 |
| Spartanburg, SC | 23 | $ 2,772,000 | $ 120,521 | $ 56,000 |
| Syracuse, NY | 23 | $ 2,012,000 | $ 87,478 | $ 79,000 |
| Kingsport-Bristol-Bristol, TN-VA | 22 | $ 3,003,000 | $ 136,500 | $ 71,000 |
| Wichita, KS | 22 | $ 2,095,000 | $ 95,227 | $ 56,000 |
| Flagstaff, AZ | 21 | $ 5,848,000 | $ 278,476 | $ 131,000 |
| Gainesville, GA | 21 | $ 5,098,000 | $ 242,761 | $ 135,000 |
| Glens Falls, NY | 21 | $ 3,334,000 | $ 158,761 | $ 70,000 |
| Mansfield, OH | 21 | $ 2,573,000 | $ 122,523 | $ 89,000 |
| Morristown, TN | 21 | $ 3,000,000 | $ 142,857 | $ 55,000 |
| Springfield, OH | 21 | $ 1,916,000 | $ 91,238 | $ 68,000 |
| St. Cloud, MN | 21 | $ 3,711,000 | $ 176,714 | $ 104,000 |
| Terre Haute, IN | 21 | $ 2,123,000 | $ 101,095 | $ 87,000 |
| Fayetteville, NC | 20 | $ 2,608,000 | $ 130,400 | $ 75,000 |
| Lexington-Fayette, KY | 20 | $ 2,996,000 | $ 149,800 | $ 93,000 |
| Macon, GA | 20 | $ 2,095,000 | $ 104,750 | $ 90,000 |
| Pocatello, ID | 20 | $ 2,758,000 | $ 137,900 | $ 60,000 |
| Utica-Rome, NY | 20 | $ 2,211,000 | $ 110,550 | $ 82,000 |
| Burlington-South Burlington, VT | 19 | $ 3,677,000 | $ 193,526 | $ 85,000 |
| Janesville, WI | 19 | $ 2,678,000 | $ 140,947 | $ 71,000 |
| Lebanon, PA | 19 | $ 2,535,000 | $ 133,421 | $ 57,000 |
| Peoria, IL | 19 | $ 2,293,000 | $ 120,684 | $ 73,000 |
| Wenatchee, WA | 19 | $ 4,553,000 | $ 239,631 | $ 72,000 |
| Billings, MT | 18 | $ 4,598,000 | $ 255,444 | $ 126,000 |
| Johnstown, PA | 18 | $ 1,652,000 | $ 91,777 | $ 62,000 |
| Athens-Clarke County, GA | 17 | $ 2,871,000 | $ 168,882 | $ 100,000 |
| Cleveland, TN | 17 | $ 2,438,000 | $ 143,411 | $ 63,000 |
| Lewiston, ID-WA | 17 | $ 2,695,000 | $ 158,529 | $ 76,647 |
| Pittsfield, MA | 17 | $ 3,491,000 | $ 205,352 | $ 73,000 |
| Altoona, PA | 16 | $ 1,528,000 | $ 95,500 | $ 52,000 |
| Dalton, GA | 16 | $ 2,441,000 | $ 152,562 | $ 56,000 |
| Elkhart-Goshen, IN | 16 | $ 1,751,000 | $ 109,437 | $ 61,000 |
| Huntington-Ashland, WV-KY-OH | 16 | $ 2,017,000 | $ 126,062 | $ 60,500 |
| Jackson, TN | 16 | $ 1,441,000 | $ 90,062 | $ 50,000 |
| Anderson, SC | 15 | $ 2,014,000 | $ 134,266 | $ 65,000 |
| Columbus, GA-AL | 15 | $ 3,425,000 | $ 228,333 | $ 75,000 |
| Elizabethtown, KY | 15 | $ 1,721,000 | $ 114,733 | $ 50,000 |
| Joplin, MO | 15 | $ 1,400,000 | $ 93,333 | $ 72,000 |
| Sandusky, OH | 15 | $ 2,572,000 | $ 171,466 | $ 103,000 |
| Binghamton, NY | 14 | $ 1,872,000 | $ 133,714 | $ 81,000 |
| Cheyenne, WY | 14 | $ 1,777,000 | $ 126,928 | $ 94,000 |
| Cumberland, MD-WV | 14 | $ 2,032,000 | $ 145,142 | $ 68,857 |
| St. Joseph, MO-KS | 14 | $ 1,735,000 | $ 123,928 | $ 86,000 |
| Anderson, IN | 13 | $ 1,234,000 | $ 94,923 | $ 128,000 |
| Clarksville, TN-KY | 13 | $ 1,837,000 | $ 141,307 | $ 57,846 |
| Decatur, IL | 13 | $ 1,504,000 | $ 115,692 | $ 93,000 |
| Fargo, ND-MN | 13 | $ 1,654,000 | $ 127,230 | $ 74,538 |
| Jonesboro, AR | 13 | $ 1,524,000 | $ 117,230 | $ 52,000 |
| Lafayette, LA | 13 | $ 2,431,000 | $ 187,000 | $ 82,000 |
| Weirton-Steubenville, WV-OH | 13 | $ 1,098,000 | $ 84,461 | $ 43,384 |
| Blacksburg-Christiansburg-Radford, VA | 12 | $ 2,375,000 | $ 197,916 | $ 74,000 |
| Burlington, NC | 12 | $ 1,745,000 | $ 145,416 | $ 118,000 |
| Charleston, WV | 12 | $ 1,191,000 | $ 99,250 | $ 60,000 |
| Corvallis, OR | 12 | $ 3,133,000 | $ 261,083 | $ 91,000 |
| Fond Du Lac, WI | 12 | $ 2,320,000 | $ 193,333 | $ 74,000 |
| Hot Springs, AR | 12 | $ 2,229,000 | $ 185,750 | $ 92,000 |
| Lima, OH | 12 | $ 1,038,000 | $ 86,500 | $ 49,000 |
| Michigan City-La Porte, IN | 12 | $ 1,306,000 | $ 108,833 | $ 65,000 |
| Oshkosh-Neenah, WI | 12 | $ 1,660,000 | $ 138,333 | $ 57,000 |
| Waterloo-Cedar Falls, IA | 12 | $ 749,000 | $ 62,416 | $ 30,000 |
| Wausau, WI | 12 | $ 2,431,000 | $ 202,583 | $ 133,000 |
| Bloomington, IN | 11 | $ 1,618,000 | $ 147,090 | $ 70,000 |
| Brunswick, GA | 11 | $ 2,065,000 | $ 187,727 | $ 86,000 |
| Cedar Rapids, IA | 11 | $ 1,096,000 | $ 99,636 | $ 95,000 |
| Davenport-Moline-Rock Island, IA-IL | 11 | $ 1,525,000 | $ 138,636 | $ 66,454 |
| Florence, SC | 11 | $ 1,205,000 | $ 109,545 | $ 58,000 |
| Greenville, NC | 11 | $ 1,816,000 | $ 165,090 | $ 58,000 |
| Hickory-Lenoir-Morganton, NC | 11 | $ 3,162,000 | $ 287,454 | $ 94,000 |
| Jacksonville, NC | 11 | $ 1,752,000 | $ 159,272 | $ 89,000 |
| Missoula, MT | 11 | $ 2,728,000 | $ 248,000 | $ 87,000 |
| Muncie, IN | 11 | $ 898,000 | $ 81,636 | $ 65,000 |
| Springfield, IL | 11 | $ 1,147,000 | $ 104,272 | $ 53,000 |
| Jefferson City, MO | 10 | $ 819,000 | $ 81,900 | $ 72,000 |
| Lincoln, NE | 10 | $ 969,000 | $ 96,900 | $ 77,000 |
| Wheeling, WV-OH | 10 | $ 1,340,000 | $ 134,000 | $ 45,500 |
| Appleton, WI | 9 | $ 1,090,000 | $ 121,111 | $ 65,000 |
| Columbus, IN | 9 | $ 1,076,000 | $ 119,555 | $ 68,000 |
| Lake Charles, LA | 9 | $ 1,563,000 | $ 173,666 | $ 110,000 |
| Sioux Falls, SD | 9 | $ 2,206,000 | $ 245,111 | $ 110,000 |
| Valdosta, GA | 9 | $ 1,812,000 | $ 201,333 | $ 57,000 |
| Williamsport, PA | 9 | $ 880,000 | $ 97,777 | $ 55,000 |
| Bloomington-Normal, IL | 8 | $ 2,706,000 | $ 338,250 | $ 137,000 |
| Danville, VA | 8 | $ 932,000 | $ 116,500 | $ 86,000 |
| Farmington, NM | 8 | $ 1,591,000 | $ 198,875 | $ 86,000 |
| Harrisonburg, VA | 8 | $ 1,383,000 | $ 172,875 | $ 56,000 |
| Johnson City, TN | 8 | $ 1,363,000 | $ 170,375 | $ 56,000 |
| Lawton, OK | 8 | $ 545,000 | $ 68,125 | $ 72,000 |
| Pine Bluff, AR | 8 | $ 986,000 | $ 123,250 | $ 58,000 |
| Rapid City, SD | 8 | $ 1,107,000 | $ 138,375 | $ 72,000 |
| State College, PA | 8 | $ 1,448,000 | $ 181,000 | $ 72,000 |
| Albany, GA | 7 | $ 669,000 | $ 95,571 | $ 46,000 |
| Casper, WY | 7 | $ 955,000 | $ 136,428 | $ 114,000 |
| Eau Claire, WI | 7 | $ 1,225,000 | $ 175,000 | $ 157,000 |
| Hattiesburg, MS | 7 | $ 763,000 | $ 109,000 | $ 39,000 |
| Kokomo, IN | 7 | $ 783,000 | $ 111,857 | $ 53,000 |
| Sioux City, IA-NE-SD | 7 | $ 484,000 | $ 69,142 | $ 48,285 |
| Champaign-Urbana, IL | 6 | $ 483,000 | $ 80,500 | $ 98,000 |
| Grand Forks, ND-MN | 6 | $ 528,000 | $ 88,000 | $ 67,333 |
| Monroe, LA | 6 | $ 1,081,000 | $ 180,166 | $ 53,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 6 | $ 503,000 | $ 83,833 | $ 40,500 |
| Pascagoula, MS | 6 | $ 1,467,000 | $ 244,500 | $ 89,000 |
| Rome, GA | 6 | $ 661,000 | $ 110,166 | $ 63,000 |
| Sheboygan, WI | 6 | $ 737,000 | $ 122,833 | $ 53,000 |
| Alexandria, LA | 5 | $ 489,000 | $ 97,800 | $ 35,000 |
| Carson City, NV | 5 | $ 1,580,000 | $ 316,000 | $ 94,000 |
| La Crosse, WI-MN | 5 | $ 524,000 | $ 104,800 | $ 53,000 |
| Lafayette, IN | 5 | $ 772,000 | $ 154,400 | $ 256,000 |
| Warner Robins, GA | 5 | $ 836,000 | $ 167,200 | $ 63,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 513,000 | $ 128,250 | $ 66,000 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 618,000 | $ 154,500 | $ 83,000 |
| Rocky Mount, NC | 4 | $ 396,000 | $ 99,000 | $ 37,000 |
| Sumter, SC | 4 | $ 535,000 | $ 133,750 | $ 65,000 |
| Topeka, KS | 4 | $ 269,000 | $ 67,250 | $ 34,000 |
| Danville, IL | 3 | $ 199,000 | $ 66,333 | $ 48,000 |
| Dubuque, IA | 3 | $ 236,000 | $ 78,666 | $ 41,000 |
| Ames, IA | 2 | $ 329,000 | $ 164,500 | $ 46,000 |
| Bowling Green, KY | 2 | $ 286,000 | $ 143,000 | $ 48,000 |
| Columbia, MO | 2 | $ 279,000 | $ 139,500 | $ 61,000 |
| Elmira, NY | 2 | $ 197,000 | $ 98,500 | $ 62,000 |
| Goldsboro, NC | 2 | $ 292,000 | $ 146,000 | $ 47,000 |
| Iowa City, IA | 2 | $ 365,000 | $ 182,500 | $ 215,000 |
| Ithaca, NY | 2 | $ 398,000 | $ 199,000 | $ 110,000 |
| Morgantown, WV | 2 | $ 364,000 | $ 182,000 | $ 71,000 |
| Great Falls, MT | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Lawrence, KS | 1 | $ 166,000 | $ 166,000 | $ 88,000 |
| Owensboro, KY | 1 | $ 68,000 | $ 68,000 | $ 24,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 130,000 | $ 130,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for BNC Mortgage 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 | 65,001 | $16,930,826,000 | $260,000 | $2,000,000 | $100,000 | $9,336,000 |
| Home Purchase | 26,888 | $6,676,421,000 | $248,000 | $2,000,000 | $123,000 | $9,528,000 |
| 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 | 33,813 | $8,330,839,000 | $246,000 | $2,000,000 | $115,000 | $9,528,000 |
| Black or African American | 20,408 | $4,528,560,000 | $221,000 | $2,000,000 | $91,000 | $5,095,000 |
| Hispanic | 20,364 | $5,686,460,000 | $279,000 | $1,800,000 | $104,000 | $8,684,000 |
| Not Provided | 13,094 | $3,610,633,000 | $275,000 | $2,000,000 | $105,000 | $5,485,000 |
| Asian | 2,946 | $1,043,292,000 | $354,000 | $1,800,000 | $143,000 | $3,552,000 |
| Native Hawaiian or Other Pacific Islander | 900 | $308,924,000 | $343,000 | $2,000,000 | $128,000 | $2,028,000 |
| American Indian or Alaskan Native | 364 | $98,539,000 | $270,000 | $1,237,000 | $120,000 | $1,200,000 |
| 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) | 91,889 | $23,607,247,000 | $256,000 | $2,000,000 | $107,000 | $9,528,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 58,862 | $15,801,135,000 | $268,000 | $2,000,000 | $111,000 | $9,528,000 |
| Loan Originated | 23,654 | $5,610,340,000 | $237,000 | $1,872,000 | $100,000 | $5,485,000 |
| Application Approved But Not Accepted | 7,668 | $1,794,658,000 | $234,000 | $2,000,000 | $100,000 | $5,366,000 |
| Loan Purchased By The Institution | 1,658 | $389,836,000 | $235,000 | $858,000 | $86,000 | $1,968,000 |
| Application Withdrawn By Applicant | 47 | $11,278,000 | $239,000 | $880,000 | $96,000 | $332,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Other | 23,067 | $6,423,869,000 | $278,000 | $2,000,000 | $116,000 | $9,528,000 |
| Credit History | 15,977 | $3,949,365,000 | $247,000 | $1,800,000 | $102,000 | $9,336,000 |
| Unverifiable Information | 6,667 | $1,974,911,000 | $296,000 | $1,840,000 | $121,000 | $7,800,000 |
| Collateral | 4,713 | $1,276,846,000 | $270,000 | $1,760,000 | $134,000 | $6,249,000 |
| Credit Application Incomplete | 3,947 | $922,727,000 | $233,000 | $1,520,000 | $107,000 | $3,547,000 |
| Debt-To-Income Ratio | 3,903 | $1,085,736,000 | $278,000 | $2,000,000 | $79,000 | $1,381,000 |
| Employment History | 432 | $125,761,000 | $291,000 | $1,237,000 | $113,000 | $4,227,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 156 | $41,920,000 | $268,000 | $920,000 | $103,000 | $1,300,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC Mortgage'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 BNC Mortgage'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 New York, download the full spreadsheet
with aggregated HMDA statistics today.
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