BNC Mortgage Mortgage Lending & HMDA Data, 2006

In 2006, BNC Mortgage of New York, NY reported 185,751 mortgage applications totaling $40.6 billion, down 8% from 2005. The average application was for $218,789, and applicants reported an average income of $101,207. 32% of its applications resulted in an originated loan and 49% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (15,106), Chicago-Naperville-Joliet, IL (12,867) and Los Angeles-Long Beach-Glendale, CA (12,755) (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 2006  2005  
Total Number of Mortgage Applications 185,751
Total Mortgage Loan Application Amount $40,640,394,000
Average Mortgage Loan Application Amount $218,789
Highest Mortgage Loan Application Amount $2,560,000
Average Applicant Income $101,207
Highest Applicant Income $8,400,000

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Act (HMDA) records BNC Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for BNC Mortgage by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 12,755 $ 4,306,805,000 $ 337,656 $ 126,000
Cook, Illinois 9,951 $ 1,943,359,000 $ 195,292 $ 92,000
San Bernardino, California 7,834 $ 2,036,343,000 $ 259,936 $ 104,000
Maricopa, Arizona 7,345 $ 1,433,722,000 $ 195,197 $ 89,000
Riverside, California 7,272 $ 2,082,878,000 $ 286,424 $ 120,000
Wayne, Michigan 4,050 $ 374,973,000 $ 92,585 $ 65,000
Clark, Nevada 3,462 $ 751,947,000 $ 217,200 $ 118,000
Orange, California 2,698 $ 1,064,436,000 $ 394,527 $ 154,000
San Diego, California 2,677 $ 948,414,000 $ 354,282 $ 145,000
Miami-Dade, Florida 2,547 $ 554,369,000 $ 217,655 $ 117,000
Cuyahoga, Ohio 1,966 $ 196,286,000 $ 99,840 $ 62,000
Broward, Florida 1,958 $ 416,869,000 $ 212,905 $ 104,000
Sacramento, California 1,902 $ 503,936,000 $ 264,950 $ 110,000
Alameda, California 1,874 $ 712,227,000 $ 380,057 $ 151,000
Fresno, California 1,830 $ 361,599,000 $ 197,595 $ 86,000
Queens, New York 1,683 $ 606,067,000 $ 360,111 $ 133,000
Contra Costa, California 1,634 $ 589,111,000 $ 360,533 $ 147,000
Kern, California 1,618 $ 309,776,000 $ 191,456 $ 86,000
Suffolk, New York 1,607 $ 470,205,000 $ 292,598 $ 129,000
San Joaquin, California 1,597 $ 462,064,000 $ 289,332 $ 123,000
Prince George's, Maryland 1,548 $ 411,813,000 $ 266,029 $ 95,000
Hennepin, Minnesota 1,508 $ 277,221,000 $ 183,833 $ 94,000
Philadelphia, Pennsylvania 1,471 $ 150,983,000 $ 102,639 $ 68,000
Honolulu, Hawaii 1,460 $ 475,362,000 $ 325,590 $ 127,000
Kings, New York 1,455 $ 593,391,000 $ 407,828 $ 141,000
Salt Lake, Utah 1,405 $ 229,433,000 $ 163,297 $ 84,000
Hillsborough, Florida 1,248 $ 197,832,000 $ 158,519 $ 83,000
Harris, Texas 1,248 $ 137,022,000 $ 109,793 $ 81,000
Milwaukee, Wisconsin 1,239 $ 136,181,000 $ 109,912 $ 64,000
Orange, Florida 1,229 $ 225,125,000 $ 183,177 $ 97,000
Baltimore City, Maryland 1,162 $ 130,950,000 $ 112,693 $ 74,000
Essex, New Jersey 1,118 $ 284,690,000 $ 254,642 $ 101,000
Nassau, New York 1,112 $ 366,467,000 $ 329,556 $ 138,000
Santa Clara, California 1,065 $ 450,189,000 $ 422,712 $ 176,000
Utah, Utah 1,059 $ 167,998,000 $ 158,638 $ 94,000
Will, Illinois 1,023 $ 203,805,000 $ 199,222 $ 95,000
Pima, Arizona 1,002 $ 154,750,000 $ 154,441 $ 75,000
Oakland, Michigan 986 $ 181,531,000 $ 184,108 $ 110,000
Palm Beach, Florida 967 $ 218,137,000 $ 225,581 $ 123,000
New Haven, Connecticut 940 $ 168,175,000 $ 178,909 $ 86,000
St. Louis, Missouri 930 $ 100,623,000 $ 108,196 $ 61,000
King, Washington 911 $ 242,884,000 $ 266,612 $ 123,000
Stanislaus, California 896 $ 238,553,000 $ 266,242 $ 106,000
Solano, California 861 $ 297,322,000 $ 345,321 $ 136,000
DuPage, Illinois 767 $ 180,152,000 $ 234,878 $ 116,000
Macomb, Michigan 729 $ 106,793,000 $ 146,492 $ 85,000
Fairfield, Connecticut 726 $ 193,499,000 $ 266,527 $ 103,000
Tulare, California 691 $ 126,350,000 $ 182,850 $ 79,000
Jackson, Missouri 691 $ 65,482,000 $ 94,764 $ 76,000
Pinal, Arizona 681 $ 121,194,000 $ 177,964 $ 91,000
Pinellas, Florida 681 $ 122,718,000 $ 180,202 $ 96,000
Baltimore, Maryland 673 $ 139,083,000 $ 206,661 $ 78,000
Lake, Indiana 672 $ 59,842,000 $ 89,050 $ 73,000
Lake, Illinois 637 $ 130,017,000 $ 204,108 $ 95,000
Ramsey, Minnesota 636 $ 103,873,000 $ 163,322 $ 85,000
Fulton, Georgia 630 $ 113,108,000 $ 179,536 $ 115,000
St. Louis City, Missouri 621 $ 59,887,000 $ 96,436 $ 62,000
Multnomah, Oregon 621 $ 124,245,000 $ 200,072 $ 108,000
Pierce, Washington 616 $ 132,676,000 $ 215,383 $ 109,000
District of Columbia, District Of Columbia 614 $ 166,956,000 $ 271,915 $ 104,000
Hartford, Connecticut 608 $ 105,504,000 $ 173,526 $ 77,000
Lee, Florida 582 $ 116,289,000 $ 199,809 $ 113,000
Monterey, California 561 $ 218,803,000 $ 390,023 $ 144,000
Duval, Florida 556 $ 79,929,000 $ 143,757 $ 73,000
Genesee, Michigan 541 $ 48,677,000 $ 89,975 $ 62,000
Weber, Utah 534 $ 64,666,000 $ 121,097 $ 67,000
Kane, Illinois 531 $ 98,005,000 $ 184,566 $ 82,000
Hawaii, Hawaii 521 $ 136,706,000 $ 262,391 $ 124,000
Allegheny, Pennsylvania 511 $ 50,268,000 $ 98,371 $ 85,000
Union, New Jersey 503 $ 144,175,000 $ 286,630 $ 108,000
Bronx, New York 502 $ 174,580,000 $ 347,768 $ 116,000
Merced, California 494 $ 132,763,000 $ 268,751 $ 106,000
Snohomish, Washington 490 $ 116,414,000 $ 237,579 $ 111,000
Shelby, Tennessee 483 $ 40,088,000 $ 82,997 $ 71,000
Polk, Florida 479 $ 68,367,000 $ 142,728 $ 75,000
Dallas, Texas 479 $ 51,260,000 $ 107,014 $ 84,000
Ventura, California 476 $ 188,532,000 $ 396,075 $ 148,000
Davis, Utah 446 $ 67,795,000 $ 152,006 $ 78,000
Franklin, Ohio 424 $ 44,692,000 $ 105,405 $ 77,000
Osceola, Florida 415 $ 77,684,000 $ 187,190 $ 106,000
Denver, Colorado 402 $ 69,947,000 $ 173,997 $ 93,000
Pasco, Florida 402 $ 65,440,000 $ 162,786 $ 94,000
Arapahoe, Colorado 388 $ 64,044,000 $ 165,061 $ 92,000
Volusia, Florida 386 $ 65,863,000 $ 170,629 $ 82,000
Middlesex, New Jersey 382 $ 108,291,000 $ 283,484 $ 112,000
Imperial, California 377 $ 68,473,000 $ 181,625 $ 92,000
Montgomery, Maryland 376 $ 114,508,000 $ 304,542 $ 108,000
DeKalb, Georgia 372 $ 54,802,000 $ 147,317 $ 92,000
Anoka, Minnesota 372 $ 71,481,000 $ 192,153 $ 89,000
Passaic, New Jersey 372 $ 106,019,000 $ 284,997 $ 113,000
Anne Arundel, Maryland 365 $ 99,663,000 $ 273,049 $ 96,000
Ingham, Michigan 357 $ 34,575,000 $ 96,848 $ 65,000
Dakota, Minnesota 353 $ 69,964,000 $ 198,198 $ 96,000
Washington, Utah 351 $ 79,386,000 $ 226,170 $ 114,000
McHenry, Illinois 348 $ 69,480,000 $ 199,655 $ 91,000
Summit, Ohio 347 $ 32,767,000 $ 94,429 $ 77,000
Clark, Washington 340 $ 69,504,000 $ 204,423 $ 105,000
Hudson, New Jersey 335 $ 106,825,000 $ 318,880 $ 113,000
Providence, Rhode Island 333 $ 70,900,000 $ 212,912 $ 88,000
Clackamas, Oregon 332 $ 88,802,000 $ 267,475 $ 122,000
Marion, Indiana 317 $ 30,150,000 $ 95,110 $ 75,000
Brevard, Florida 315 $ 52,639,000 $ 167,107 $ 88,000
San Mateo, California 313 $ 144,960,000 $ 463,130 $ 173,000
Washington, Oregon 313 $ 65,704,000 $ 209,916 $ 90,000
Seminole, Florida 306 $ 56,395,000 $ 184,297 $ 102,000
Camden, New Jersey 305 $ 51,501,000 $ 168,855 $ 90,000
Anchorage, Alaska 304 $ 65,277,000 $ 214,726 $ 106,000
Madera, California 304 $ 72,043,000 $ 236,983 $ 96,000
Adams, Colorado 303 $ 47,209,000 $ 155,805 $ 84,000
Bergen, New Jersey 303 $ 115,102,000 $ 379,874 $ 187,000
El Paso, Colorado 298 $ 47,579,000 $ 159,661 $ 91,000
Ada, Idaho 297 $ 52,798,000 $ 177,771 $ 87,000
Ocean, New Jersey 291 $ 84,121,000 $ 289,075 $ 134,000
Richmond, New York 284 $ 93,860,000 $ 330,492 $ 134,000
St. Lucie, Florida 278 $ 50,764,000 $ 182,604 $ 124,000
Tarrant, Texas 276 $ 34,825,000 $ 126,177 $ 96,000
Burlington, New Jersey 264 $ 53,594,000 $ 203,007 $ 83,000
Washoe, Nevada 263 $ 62,479,000 $ 237,562 $ 102,000
Maui, Hawaii 260 $ 110,387,000 $ 424,565 $ 167,000
Westchester, New York 257 $ 101,555,000 $ 395,155 $ 145,000
Thurston, Washington 256 $ 47,555,000 $ 185,761 $ 94,000
Hamilton, Ohio 254 $ 27,328,000 $ 107,590 $ 68,000
Placer, California 253 $ 92,755,000 $ 366,620 $ 170,000
Sonoma, California 253 $ 98,626,000 $ 389,826 $ 165,000
Jefferson, Colorado 253 $ 48,574,000 $ 191,992 $ 100,000
Canyon, Idaho 246 $ 31,150,000 $ 126,626 $ 75,000
Monmouth, New Jersey 245 $ 77,693,000 $ 317,114 $ 148,000
Kent, Michigan 244 $ 30,109,000 $ 123,397 $ 90,000
Delaware, Pennsylvania 244 $ 33,082,000 $ 135,581 $ 82,000
New Castle, Delaware 242 $ 43,616,000 $ 180,231 $ 75,000
Lake, Florida 241 $ 46,089,000 $ 191,240 $ 94,000
Bexar, Texas 240 $ 21,062,000 $ 87,758 $ 76,000
Montgomery, Pennsylvania 238 $ 54,484,000 $ 228,924 $ 125,000
Washington, Minnesota 232 $ 49,861,000 $ 214,918 $ 118,000
Mercer, New Jersey 232 $ 44,495,000 $ 191,788 $ 96,000
Hidalgo, Texas 230 $ 21,192,000 $ 92,139 $ 56,000
Bernalillo, New Mexico 223 $ 38,115,000 $ 170,919 $ 129,000
Spokane, Washington 222 $ 30,087,000 $ 135,527 $ 61,000
Bucks, Pennsylvania 220 $ 50,182,000 $ 228,100 $ 99,000
Charles, Maryland 219 $ 59,172,000 $ 270,191 $ 86,000
Prince William, Virginia 217 $ 71,927,000 $ 331,460 $ 109,000
Marion, Florida 215 $ 30,602,000 $ 142,334 $ 67,000
Marion, Oregon 212 $ 35,652,000 $ 168,169 $ 88,000
Butte, California 208 $ 44,086,000 $ 211,951 $ 88,000
Winnebago, Illinois 208 $ 19,216,000 $ 92,384 $ 76,000
Montgomery, Ohio 208 $ 17,490,000 $ 84,086 $ 80,000
Mohave, Arizona 206 $ 35,993,000 $ 174,723 $ 105,000
Weld, Colorado 205 $ 32,071,000 $ 156,443 $ 92,000
Kings, California 202 $ 31,871,000 $ 157,777 $ 67,000
Mecklenburg, North Carolina 199 $ 25,728,000 $ 129,286 $ 92,000
Fort Bend, Texas 196 $ 27,284,000 $ 139,204 $ 100,000
Fairfax, Virginia 195 $ 64,072,000 $ 328,574 $ 133,000
Lorain, Ohio 194 $ 22,526,000 $ 116,113 $ 62,000
Harford, Maryland 187 $ 44,557,000 $ 238,272 $ 89,000
St. Clair, Illinois 183 $ 14,074,000 $ 76,907 $ 52,000
Wyandotte, Kansas 181 $ 13,787,000 $ 76,171 $ 58,000
Shasta, California 179 $ 39,401,000 $ 220,117 $ 140,000
Gwinnett, Georgia 179 $ 30,202,000 $ 168,726 $ 92,000
Collier, Florida 178 $ 48,677,000 $ 273,466 $ 180,000
Jefferson, Kentucky 175 $ 18,742,000 $ 107,097 $ 64,000
San Francisco, California 171 $ 79,988,000 $ 467,766 $ 203,000
Orange, New York 166 $ 38,922,000 $ 234,469 $ 92,000
Sutter, California 165 $ 37,206,000 $ 225,490 $ 96,000
Cameron, Texas 165 $ 16,682,000 $ 101,103 $ 82,000
Erie, New York 164 $ 10,675,000 $ 65,091 $ 62,000
Oklahoma, Oklahoma 163 $ 12,541,000 $ 76,938 $ 84,000
Mahoning, Ohio 162 $ 12,723,000 $ 78,537 $ 64,000
Stark, Ohio 160 $ 13,777,000 $ 86,106 $ 59,000
Monroe, Pennsylvania 160 $ 25,328,000 $ 158,300 $ 79,000
Hernando, Florida 159 $ 24,981,000 $ 157,113 $ 81,000
Yavapai, Arizona 155 $ 33,627,000 $ 216,948 $ 107,000
Gloucester, New Jersey 155 $ 30,606,000 $ 197,458 $ 81,000
Manatee, Florida 153 $ 32,811,000 $ 214,450 $ 96,000
Suffolk, Massachusetts 153 $ 54,130,000 $ 353,790 $ 121,000
Racine, Wisconsin 153 $ 20,365,000 $ 133,104 $ 61,000
St. Clair, Michigan 151 $ 22,124,000 $ 146,516 $ 69,000
St. Charles, Missouri 150 $ 23,478,000 $ 156,520 $ 79,000
Yuma, Arizona 149 $ 22,704,000 $ 152,375 $ 75,000
Kendall, Illinois 148 $ 32,819,000 $ 221,750 $ 127,000
Jackson, Michigan 147 $ 14,919,000 $ 101,489 $ 66,000
Kenosha, Wisconsin 147 $ 23,770,000 $ 161,700 $ 80,000
Eaton, Michigan 146 $ 17,226,000 $ 117,986 $ 66,000
Berks, Pennsylvania 145 $ 16,880,000 $ 116,413 $ 73,000
Dutchess, New York 143 $ 33,043,000 $ 231,069 $ 95,000
Chesterfield, Virginia 143 $ 27,096,000 $ 189,482 $ 80,000
Sherburne, Minnesota 142 $ 26,988,000 $ 190,056 $ 94,000
Westmoreland, Pennsylvania 142 $ 14,570,000 $ 102,605 $ 82,000
Yuba, California 141 $ 30,184,000 $ 214,070 $ 89,000
Wright, Minnesota 141 $ 25,285,000 $ 179,326 $ 102,000
Kitsap, Washington 141 $ 28,603,000 $ 202,858 $ 88,000
Santa Barbara, California 140 $ 51,979,000 $ 371,278 $ 135,000
St. Louis, Minnesota 140 $ 12,089,000 $ 86,350 $ 46,000
Hinds, Mississippi 138 $ 10,035,000 $ 72,717 $ 59,000
Frederick, Maryland 137 $ 40,786,000 $ 297,708 $ 102,000
Washtenaw, Michigan 137 $ 26,951,000 $ 196,722 $ 104,000
Atlantic, New Jersey 137 $ 29,952,000 $ 218,627 $ 80,000
Matanuska-Susitna, Alaska 133 $ 25,600,000 $ 192,481 $ 116,000
Sarasota, Florida 133 $ 29,947,000 $ 225,165 $ 121,000
Luzerne, Pennsylvania 133 $ 10,935,000 $ 82,218 $ 67,000
El Dorado, California 132 $ 48,128,000 $ 364,606 $ 148,000
Berrien, Michigan 132 $ 13,069,000 $ 99,007 $ 67,000
Tehama, California 131 $ 27,440,000 $ 209,465 $ 79,000
Dane, Wisconsin 131 $ 23,058,000 $ 176,015 $ 88,000
Saginaw, Michigan 130 $ 10,004,000 $ 76,953 $ 58,000
Howard, Maryland 129 $ 38,436,000 $ 297,953 $ 116,000
Wake, North Carolina 128 $ 21,328,000 $ 166,625 $ 104,000
Santa Cruz, California 126 $ 54,672,000 $ 433,904 $ 163,000
Yolo, California 126 $ 37,191,000 $ 295,166 $ 138,000
Calhoun, Michigan 124 $ 11,249,000 $ 90,717 $ 48,000
Albany, New York 123 $ 15,138,000 $ 123,073 $ 97,000
Lehigh, Pennsylvania 123 $ 17,348,000 $ 141,040 $ 71,000
Middlesex, Massachusetts 122 $ 38,380,000 $ 314,590 $ 130,000
Litchfield, Connecticut 118 $ 22,733,000 $ 192,652 $ 79,000
Madison, Illinois 118 $ 10,361,000 $ 87,805 $ 56,000
Lucas, Ohio 118 $ 11,866,000 $ 100,559 $ 70,000
Scott, Minnesota 117 $ 31,153,000 $ 266,264 $ 124,000
Flagler, Florida 115 $ 19,905,000 $ 173,086 $ 100,000
Clayton, Georgia 115 $ 13,586,000 $ 118,139 $ 74,000
Kalamazoo, Michigan 115 $ 11,818,000 $ 102,765 $ 76,000
Waukesha, Wisconsin 115 $ 27,701,000 $ 240,878 $ 114,000
Muskegon, Michigan 114 $ 10,381,000 $ 91,061 $ 51,000
Somerset, New Jersey 114 $ 34,023,000 $ 298,447 $ 128,000
Livingston, Michigan 113 $ 24,819,000 $ 219,637 $ 125,000
Hamilton, Tennessee 112 $ 12,327,000 $ 110,062 $ 57,000
Richmond City, Virginia 111 $ 13,260,000 $ 119,459 $ 83,000
Virginia Beach, Virginia 110 $ 22,175,000 $ 201,590 $ 77,000
Worcester, Massachusetts 109 $ 25,535,000 $ 234,266 $ 96,000
Jefferson, Missouri 109 $ 13,233,000 $ 121,403 $ 61,000
Sussex, New Jersey 109 $ 24,580,000 $ 225,504 $ 92,000
Chester, Pennsylvania 109 $ 23,286,000 $ 213,633 $ 119,000
Kauai, Hawaii 108 $ 38,118,000 $ 352,944 $ 151,000
Lane, Oregon 108 $ 20,268,000 $ 187,666 $ 78,000
York, Pennsylvania 107 $ 17,983,000 $ 168,065 $ 76,000
Johnson, Kansas 106 $ 19,862,000 $ 187,377 $ 120,000
Santa Cruz, Arizona 105 $ 12,328,000 $ 117,409 $ 57,000
Larimer, Colorado 105 $ 25,294,000 $ 240,895 $ 127,000
Allen, Indiana 105 $ 6,598,000 $ 62,838 $ 69,000
New London, Connecticut 104 $ 21,721,000 $ 208,855 $ 133,000
Pueblo, Colorado 103 $ 11,885,000 $ 115,388 $ 61,000
Escambia, Florida 103 $ 12,735,000 $ 123,640 $ 60,000
Hampden, Massachusetts 103 $ 16,766,000 $ 162,776 $ 78,000
Morris, New Jersey 102 $ 37,776,000 $ 370,352 $ 149,000
Jefferson, Texas 101 $ 5,981,000 $ 59,217 $ 50,000
Lake, California 100 $ 21,976,000 $ 219,760 $ 110,000
Collin, Texas 100 $ 19,021,000 $ 190,210 $ 153,000
Galveston, Texas 99 $ 10,250,000 $ 103,535 $ 72,000
Henrico, Virginia 99 $ 14,912,000 $ 150,626 $ 78,000
Clay, Florida 97 $ 15,882,000 $ 163,731 $ 90,000
Cobb, Georgia 96 $ 15,275,000 $ 159,114 $ 97,000
Tulsa, Oklahoma 96 $ 8,625,000 $ 89,843 $ 149,000
Cochise, Arizona 95 $ 12,645,000 $ 133,105 $ 65,000
San Benito, California 95 $ 38,189,000 $ 401,989 $ 141,000
Douglas, Colorado 95 $ 23,982,000 $ 252,442 $ 116,000
Northampton, Pennsylvania 95 $ 16,589,000 $ 174,621 $ 108,000
Kankakee, Illinois 93 $ 10,525,000 $ 113,172 $ 65,000
St. Joseph, Indiana 93 $ 6,759,000 $ 72,677 $ 130,000
Pulaski, Arkansas 91 $ 7,688,000 $ 84,483 $ 67,000
Itasca, Minnesota 91 $ 9,583,000 $ 105,307 $ 51,000
Fairbanks North Star, Alaska 89 $ 14,135,000 $ 158,820 $ 96,000
Plymouth, Massachusetts 88 $ 25,100,000 $ 285,227 $ 101,000
Linn, Oregon 88 $ 12,337,000 $ 140,193 $ 73,000
Walworth, Wisconsin 88 $ 15,438,000 $ 175,431 $ 96,000
Boulder, Colorado 87 $ 20,760,000 $ 238,620 $ 113,000
Carroll, Maryland 87 $ 24,233,000 $ 278,540 $ 85,000
Washington, Maryland 87 $ 19,248,000 $ 221,241 $ 83,000
Cumberland, New Jersey 87 $ 12,499,000 $ 143,666 $ 72,000
Chesapeake, Virginia 87 $ 15,701,000 $ 180,471 $ 79,000
Cowlitz, Washington 87 $ 12,152,000 $ 139,678 $ 68,000
Rockland, New York 84 $ 27,842,000 $ 331,452 $ 192,000
Whatcom, Washington 84 $ 18,237,000 $ 217,107 $ 91,000
Montgomery, Texas 83 $ 10,691,000 $ 128,807 $ 105,000
Humboldt, California 82 $ 19,237,000 $ 234,597 $ 104,000
Leon, Florida 82 $ 13,772,000 $ 167,951 $ 97,000
Yamhill, Oregon 82 $ 13,343,000 $ 162,719 $ 72,000
Dona Ana, New Mexico 81 $ 8,740,000 $ 107,901 $ 120,000
San Luis Obispo, California 80 $ 28,967,000 $ 362,087 $ 130,000
Schenectady, New York 79 $ 7,925,000 $ 100,316 $ 63,000
Davidson, Tennessee 79 $ 14,061,000 $ 177,987 $ 76,000
Charlotte, Florida 78 $ 14,994,000 $ 192,230 $ 105,000
Stafford, Virginia 78 $ 24,348,000 $ 312,153 $ 118,000
St. Croix, Wisconsin 78 $ 15,462,000 $ 198,230 $ 92,000
Calvert, Maryland 77 $ 21,262,000 $ 276,129 $ 87,000
Essex, Massachusetts 77 $ 21,550,000 $ 279,870 $ 109,000
Lyon, Nevada 77 $ 14,965,000 $ 194,350 $ 88,000
Tooele, Utah 77 $ 9,081,000 $ 117,935 $ 63,000
Loudoun, Virginia 77 $ 30,491,000 $ 395,987 $ 144,000
Alachua, Florida 76 $ 10,108,000 $ 133,000 $ 81,000
Citrus, Florida 76 $ 11,306,000 $ 148,763 $ 174,000
Monroe, New York 76 $ 5,693,000 $ 74,907 $ 81,000
Napa, California 75 $ 32,344,000 $ 431,253 $ 173,000
Sedgwick, Kansas 75 $ 5,894,000 $ 78,586 $ 53,000
Clay, Missouri 74 $ 8,735,000 $ 118,040 $ 57,000
Butler, Ohio 73 $ 9,413,000 $ 128,945 $ 79,000
Jackson, Oregon 73 $ 18,569,000 $ 254,369 $ 137,000
Iron, Utah 73 $ 13,372,000 $ 183,178 $ 115,000
Henry, Georgia 72 $ 11,427,000 $ 158,708 $ 90,000
Monroe, Michigan 71 $ 11,678,000 $ 164,478 $ 79,000
Ulster, New York 71 $ 15,668,000 $ 220,676 $ 99,000
Lancaster, Pennsylvania 71 $ 10,498,000 $ 147,859 $ 89,000
Norfolk, Virginia 71 $ 9,684,000 $ 136,394 $ 75,000
St. Mary's, Maryland 69 $ 17,446,000 $ 252,840 $ 100,000
Lapeer, Michigan 69 $ 11,930,000 $ 172,898 $ 93,000
Washington, Pennsylvania 69 $ 8,330,000 $ 120,724 $ 72,000
Rock, Wisconsin 69 $ 7,996,000 $ 115,884 $ 68,000
Bristol, Massachusetts 68 $ 16,789,000 $ 246,897 $ 92,000
Clark, Ohio 68 $ 4,949,000 $ 72,779 $ 83,000
Dauphin, Pennsylvania 68 $ 5,634,000 $ 82,852 $ 64,000
Kent, Delaware 67 $ 12,201,000 $ 182,104 $ 82,000
Porter, Indiana 67 $ 9,835,000 $ 146,791 $ 111,000
Carver, Minnesota 67 $ 14,745,000 $ 220,074 $ 95,000
Sandoval, New Mexico 67 $ 9,581,000 $ 143,000 $ 74,000
Spotsylvania, Virginia 67 $ 17,455,000 $ 260,522 $ 93,000
Saratoga, New York 66 $ 12,563,000 $ 190,348 $ 105,000
Calaveras, California 65 $ 16,289,000 $ 250,600 $ 281,000
Indian River, Florida 65 $ 10,272,000 $ 158,030 $ 103,000
Lake, Ohio 65 $ 9,115,000 $ 140,230 $ 62,000
Brazoria, Texas 65 $ 7,057,000 $ 108,569 $ 82,000
Travis, Texas 65 $ 10,874,000 $ 167,292 $ 168,000
Clinton, Michigan 64 $ 10,059,000 $ 157,171 $ 76,000
Cape May, New Jersey 64 $ 17,848,000 $ 278,875 $ 145,000
Lackawanna, Pennsylvania 64 $ 6,706,000 $ 104,781 $ 70,000
Mendocino, California 63 $ 19,414,000 $ 308,158 $ 123,000
Horry, South Carolina 63 $ 14,859,000 $ 235,857 $ 195,000
Hampton, Virginia 63 $ 8,974,000 $ 142,444 $ 73,000
Newport News, Virginia 63 $ 8,849,000 $ 140,460 $ 100,000
Glenn, California 62 $ 9,950,000 $ 160,483 $ 76,000
Kootenai, Idaho 62 $ 14,505,000 $ 233,951 $ 129,000
DeKalb, Illinois 62 $ 9,518,000 $ 153,516 $ 89,000
Guilford, North Carolina 62 $ 10,330,000 $ 166,612 $ 105,000
Medina, Ohio 62 $ 9,643,000 $ 155,532 $ 134,000
Rensselaer, New York 61 $ 7,668,000 $ 125,704 $ 100,000
Skagit, Washington 61 $ 12,583,000 $ 206,278 $ 86,000
St. Johns, Florida 60 $ 16,025,000 $ 267,083 $ 120,000
Cass, Missouri 60 $ 8,443,000 $ 140,716 $ 78,000
Fayette, Pennsylvania 60 $ 4,894,000 $ 81,566 $ 54,000
Kent, Rhode Island 60 $ 13,402,000 $ 223,366 $ 91,000
Summit, Utah 60 $ 17,169,000 $ 286,150 $ 182,000
Portsmouth, Virginia 60 $ 8,062,000 $ 134,366 $ 65,000
Brown, Wisconsin 60 $ 8,050,000 $ 134,166 $ 75,000
Yakima, Washington 59 $ 7,175,000 $ 121,610 $ 66,000
Marin, California 58 $ 29,060,000 $ 501,034 $ 211,000
Ottawa, Michigan 58 $ 7,411,000 $ 127,775 $ 67,000
Isanti, Minnesota 58 $ 10,309,000 $ 177,741 $ 73,000
Stearns, Minnesota 58 $ 8,361,000 $ 144,155 $ 92,000
Delaware, Ohio 58 $ 12,382,000 $ 213,482 $ 110,000
Cache, Utah 58 $ 8,563,000 $ 147,637 $ 59,000
Grays Harbor, Washington 58 $ 8,290,000 $ 142,931 $ 95,000
Beaver, Pennsylvania 57 $ 4,659,000 $ 81,736 $ 60,000
Denton, Texas 57 $ 9,815,000 $ 172,192 $ 150,000
Sussex, Delaware 56 $ 10,390,000 $ 185,535 $ 93,000
Mercer, Pennsylvania 56 $ 4,479,000 $ 79,982 $ 48,000
Mason, Washington 56 $ 9,025,000 $ 161,160 $ 60,000
Erie, Pennsylvania 55 $ 4,569,000 $ 83,072 $ 67,000
Tuolumne, California 54 $ 12,861,000 $ 238,166 $ 109,000
Mesa, Colorado 54 $ 7,788,000 $ 144,222 $ 69,000
Bay, Florida 54 $ 10,431,000 $ 193,166 $ 113,000
East Baton Rouge, Louisiana 54 $ 6,442,000 $ 119,296 $ 335,000
Salem, New Jersey 54 $ 7,971,000 $ 147,611 $ 77,000
Wasatch, Utah 54 $ 13,770,000 $ 255,000 $ 205,000
Santa Rosa, Florida 53 $ 8,594,000 $ 162,150 $ 78,000
Deschutes, Oregon 53 $ 12,817,000 $ 241,830 $ 118,000
Lewis, Washington 53 $ 8,270,000 $ 156,037 $ 70,000
Nevada, California 52 $ 18,458,000 $ 354,961 $ 107,000
Middlesex, Connecticut 52 $ 13,833,000 $ 266,019 $ 99,000
Windham, Connecticut 52 $ 9,580,000 $ 184,230 $ 113,000
Newton, Georgia 52 $ 8,534,000 $ 164,115 $ 88,000
Sullivan, New York 51 $ 8,086,000 $ 158,549 $ 100,000
Polk, Iowa 50 $ 6,988,000 $ 139,760 $ 60,000
Shiawassee, Michigan 50 $ 5,458,000 $ 109,160 $ 52,000
Olmsted, Minnesota 50 $ 7,190,000 $ 143,800 $ 75,000
Nye, Nevada 50 $ 10,158,000 $ 203,160 $ 93,000
Frederick, Virginia 50 $ 13,754,000 $ 275,080 $ 107,000
Outagamie, Wisconsin 50 $ 7,154,000 $ 143,080 $ 79,000
Okaloosa, Florida 49 $ 9,659,000 $ 197,122 $ 108,000
Wicomico, Maryland 49 $ 7,512,000 $ 153,306 $ 84,000
Klamath, Oregon 49 $ 6,890,000 $ 140,612 $ 76,000
Berkeley, West Virginia 49 $ 8,242,000 $ 168,204 $ 82,000
Navajo, Arizona 48 $ 7,259,000 $ 151,229 $ 116,000
Allegan, Michigan 48 $ 6,206,000 $ 129,291 $ 96,000
Chisago, Minnesota 48 $ 8,233,000 $ 171,520 $ 62,000
St. Francois, Missouri 48 $ 4,067,000 $ 84,729 $ 54,000
Warren, New Jersey 48 $ 13,026,000 $ 271,375 $ 120,000
Forsyth, North Carolina 48 $ 6,954,000 $ 144,875 $ 81,000
Licking, Ohio 48 $ 6,142,000 $ 127,958 $ 64,000
Pike, Pennsylvania 48 $ 8,778,000 $ 182,875 $ 103,000
Richland, South Carolina 48 $ 7,803,000 $ 162,562 $ 86,000
Rutherford, Tennessee 48 $ 4,770,000 $ 99,375 $ 87,000
Sanpete, Utah 48 $ 4,500,000 $ 93,750 $ 66,000
Suffolk, Virginia 48 $ 9,238,000 $ 192,458 $ 67,000
Buchanan, Missouri 47 $ 3,398,000 $ 72,297 $ 46,000
Jasper, Missouri 47 $ 3,358,000 $ 71,446 $ 55,000
Durham, North Carolina 47 $ 5,126,000 $ 109,063 $ 82,000
Portage, Ohio 47 $ 7,841,000 $ 166,829 $ 90,000
Columbia, Oregon 47 $ 7,353,000 $ 156,446 $ 70,000
Coconino, Arizona 46 $ 10,828,000 $ 235,391 $ 105,000
Cecil, Maryland 46 $ 10,403,000 $ 226,152 $ 74,000
Bay, Michigan 46 $ 4,279,000 $ 93,021 $ 60,000
Lincoln, Oregon 46 $ 11,028,000 $ 239,739 $ 222,000
Vigo, Indiana 45 $ 2,818,000 $ 62,622 $ 74,000
New York, New York 45 $ 25,701,000 $ 571,133 $ 212,000
Highlands, Florida 44 $ 6,368,000 $ 144,727 $ 80,000
Worcester, Maryland 44 $ 10,658,000 $ 242,227 $ 119,000
Richland, Ohio 44 $ 4,421,000 $ 100,477 $ 72,000
El Paso, Texas 44 $ 3,891,000 $ 88,431 $ 69,000
Bibb, Georgia 43 $ 6,182,000 $ 143,767 $ 84,000
Jefferson, Louisiana 43 $ 6,499,000 $ 151,139 $ 83,000
Trumbull, Ohio 43 $ 3,705,000 $ 86,162 $ 74,000
LaSalle, Illinois 42 $ 5,201,000 $ 123,833 $ 85,000
Orleans, Louisiana 42 $ 8,572,000 $ 204,095 $ 108,000
Lenawee, Michigan 42 $ 5,506,000 $ 131,095 $ 63,000
Van Buren, Michigan 42 $ 4,673,000 $ 111,261 $ 67,000
Flathead, Montana 42 $ 9,338,000 $ 222,333 $ 169,000
Douglas, Georgia 41 $ 6,497,000 $ 158,463 $ 88,000
Barnstable, Massachusetts 41 $ 11,108,000 $ 270,926 $ 123,000
Grand Traverse, Michigan 41 $ 5,797,000 $ 141,390 $ 89,000
Carson City, Nevada 41 $ 6,965,000 $ 169,878 $ 74,000
Nueces, Texas 41 $ 4,071,000 $ 99,292 $ 60,000
Lassen, California 40 $ 6,413,000 $ 160,325 $ 92,000
Martin, Florida 40 $ 9,531,000 $ 238,275 $ 116,000
Bannock, Idaho 40 $ 4,961,000 $ 124,025 $ 119,000
Fayette, Kentucky 40 $ 4,318,000 $ 107,950 $ 71,000
Garfield, Colorado 39 $ 9,433,000 $ 241,871 $ 119,000
Tolland, Connecticut 39 $ 7,162,000 $ 183,641 $ 98,000
Norfolk, Massachusetts 39 $ 12,843,000 $ 329,307 $ 99,000
Crow Wing, Minnesota 39 $ 7,770,000 $ 199,230 $ 159,000
Allen, Ohio 39 $ 2,785,000 $ 71,410 $ 90,000
Box Elder, Utah 39 $ 4,954,000 $ 127,025 $ 64,000
Benton, Washington 39 $ 5,193,000 $ 133,153 $ 67,000
Colusa, California 38 $ 9,032,000 $ 237,684 $ 113,000
Rockdale, Georgia 38 $ 6,841,000 $ 180,026 $ 91,000
Mille Lacs, Minnesota 38 $ 5,833,000 $ 153,500 $ 74,000
Putnam, New York 38 $ 13,485,000 $ 354,868 $ 129,000
Polk, Oregon 38 $ 6,207,000 $ 163,342 $ 70,000
Polk, Wisconsin 38 $ 5,510,000 $ 145,000 $ 59,000
Grundy, Illinois 37 $ 5,503,000 $ 148,729 $ 80,000
Elkhart, Indiana 37 $ 3,977,000 $ 107,486 $ 84,000
Black Hawk, Iowa 37 $ 2,410,000 $ 65,135 $ 67,000
Sanilac, Michigan 37 $ 3,954,000 $ 106,864 $ 50,000
Pine, Minnesota 37 $ 4,719,000 $ 127,540 $ 59,000
Rice, Minnesota 37 $ 7,477,000 $ 202,081 $ 87,000
Lincoln, Missouri 37 $ 5,041,000 $ 136,243 $ 56,000
Winnebago, Wisconsin 37 $ 3,922,000 $ 106,000 $ 77,000
Clermont, Ohio 36 $ 4,538,000 $ 126,055 $ 77,000
Charleston, South Carolina 36 $ 5,520,000 $ 153,333 $ 125,000
Kenai Peninsula, Alaska 35 $ 5,273,000 $ 150,657 $ 114,000
Boone, Illinois 35 $ 5,275,000 $ 150,714 $ 59,000
York, Maine 35 $ 6,796,000 $ 194,171 $ 99,000
Columbiana, Ohio 35 $ 2,924,000 $ 83,542 $ 42,000
Douglas, Oregon 35 $ 5,892,000 $ 168,342 $ 76,000
Josephine, Oregon 35 $ 8,247,000 $ 235,628 $ 81,000
Knox, Tennessee 35 $ 4,860,000 $ 138,857 $ 62,000
Bonneville, Idaho 34 $ 4,865,000 $ 143,088 $ 76,000
Caddo, Louisiana 34 $ 3,100,000 $ 91,176 $ 52,000
Cumberland, Maine 34 $ 6,622,000 $ 194,764 $ 81,000
Dorchester, Maryland 34 $ 4,827,000 $ 141,970 $ 85,000
Franklin, Missouri 34 $ 4,244,000 $ 124,823 $ 79,000
Jefferson, West Virginia 34 $ 8,087,000 $ 237,852 $ 82,000
Paulding, Georgia 33 $ 4,882,000 $ 147,939 $ 77,000
Goodhue, Minnesota 33 $ 4,234,000 $ 128,303 $ 52,000
Douglas, Nevada 33 $ 9,265,000 $ 280,757 $ 121,000
Ashtabula, Ohio 33 $ 3,057,000 $ 92,636 $ 65,000
Coos, Oregon 33 $ 5,057,000 $ 153,242 $ 58,000
Culpeper, Virginia 33 $ 8,431,000 $ 255,484 $ 90,000
Grant, Washington 33 $ 3,689,000 $ 111,787 $ 58,000
Pierce, Wisconsin 33 $ 6,821,000 $ 206,696 $ 95,000
Laramie, Wyoming 33 $ 3,970,000 $ 120,303 $ 59,000
Sangamon, Illinois 32 $ 2,749,000 $ 85,906 $ 84,000
Hillsdale, Michigan 32 $ 3,210,000 $ 100,312 $ 46,000
Greene, Missouri 32 $ 3,098,000 $ 96,812 $ 101,000
Warren, Ohio 32 $ 4,342,000 $ 135,687 $ 111,000
Marathon, Wisconsin 32 $ 3,302,000 $ 103,187 $ 52,000
Washington, Wisconsin 32 $ 9,095,000 $ 284,218 $ 101,000
Twin Falls, Idaho 31 $ 2,937,000 $ 94,741 $ 55,000
Douglas, Nebraska 31 $ 3,267,000 $ 105,387 $ 232,000
Florence, South Carolina 31 $ 3,201,000 $ 103,258 $ 49,000
Sevier, Utah 31 $ 3,237,000 $ 104,419 $ 44,000
Warren, Virginia 31 $ 6,206,000 $ 200,193 $ 119,000
Monroe, Florida 30 $ 12,186,000 $ 406,200 $ 183,000
Chatham, Georgia 30 $ 4,101,000 $ 136,700 $ 121,000
Bingham, Idaho 30 $ 3,178,000 $ 105,933 $ 107,000
St. Tammany, Louisiana 30 $ 4,998,000 $ 166,600 $ 88,000
Barry, Michigan 30 $ 3,736,000 $ 124,533 $ 77,000
Hillsborough, New Hampshire 30 $ 6,967,000 $ 232,233 $ 172,000
Rockingham, New Hampshire 30 $ 6,715,000 $ 223,833 $ 82,000
Santa Fe, New Mexico 30 $ 6,997,000 $ 233,233 $ 98,000
Oneida, New York 30 $ 3,105,000 $ 103,500 $ 81,000
Jefferson, Ohio 30 $ 1,904,000 $ 63,466 $ 51,000
Lawrence, Pennsylvania 30 $ 2,715,000 $ 90,500 $ 46,000
Schuylkill, Pennsylvania 30 $ 2,728,000 $ 90,933 $ 69,000
Spartanburg, South Carolina 30 $ 3,915,000 $ 130,500 $ 67,000
Gila, Arizona 29 $ 3,805,000 $ 131,206 $ 83,000
Yellowstone, Montana 29 $ 3,772,000 $ 130,068 $ 65,000
Lea, New Mexico 29 $ 1,748,000 $ 60,275 $ 48,000
Erie, Ohio 29 $ 2,698,000 $ 93,034 $ 53,000
Fairfield, Ohio 29 $ 3,971,000 $ 136,931 $ 80,000
Franklin, Pennsylvania 29 $ 4,395,000 $ 151,551 $ 62,000
Montgomery, Tennessee 29 $ 3,396,000 $ 117,103 $ 91,000
Sheboygan, Wisconsin 29 $ 3,141,000 $ 108,310 $ 57,000
Mariposa, California 28 $ 6,875,000 $ 245,535 $ 88,000
Siskiyou, California 28 $ 4,567,000 $ 163,107 $ 71,000
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Mortgage Loan Application Detail Totals for BNC Mortgage 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 102,080 $24,634,802,000 $241,000 $2,560,000 $94,000 $7,383,000
Home Purchase 83,671 $16,005,592,000 $191,000 $2,000,000 $110,000 $8,400,000
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 63,177 $13,010,996,000 $205,000 $2,560,000 $107,000 $8,400,000
Hispanic 46,498 $11,024,015,000 $237,000 $2,000,000 $101,000 $6,500,000
Black or African American 41,402 $7,841,991,000 $189,000 $2,000,000 $88,000 $5,794,000
Not Provided 24,536 $5,923,849,000 $241,000 $2,000,000 $99,000 $4,536,000
Asian 7,686 $2,179,762,000 $283,000 $2,000,000 $137,000 $5,250,000
Native Hawaiian or Other Pacific Islander 1,753 $507,038,000 $289,000 $1,318,000 $125,000 $1,015,000
American Indian or Alaskan Native 699 $152,743,000 $218,000 $960,000 $103,000 $1,422,000
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) 185,751 $40,640,394,000 $218,000 $2,560,000 $101,000 $8,400,000
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 91,718 $20,819,632,000 $226,000 $2,560,000 $103,000 $6,500,000
Loan Originated 59,158 $12,518,902,000 $211,000 $1,680,000 $100,000 $7,383,000
Application Approved But Not Accepted 24,133 $4,895,470,000 $202,000 $2,000,000 $101,000 $8,400,000
Application Withdrawn By Applicant 5,596 $1,218,054,000 $217,000 $2,000,000 $107,000 $4,947,000
Loan Purchased By The Institution 5,146 $1,188,336,000 $230,000 $1,785,000 $90,000 $2,512,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 36,406 $8,804,623,000 $241,000 $2,560,000 $110,000 $6,500,000
Credit History 34,640 $7,591,652,000 $219,000 $2,000,000 $95,000 $4,442,000
Unverifiable Information 7,196 $1,671,061,000 $232,000 $2,000,000 $111,000 $5,794,000
Credit Application Incomplete 5,702 $1,051,773,000 $184,000 $1,894,000 $92,000 $3,725,000
Collateral 4,300 $888,049,000 $206,000 $2,000,000 $121,000 $4,634,000
Debt-To-Income Ratio 2,797 $661,472,000 $236,000 $2,000,000 $74,000 $596,000
Employment History 543 $123,568,000 $227,000 $1,639,000 $114,000 $960,000
Insufficient Cash (Downpayment, Closing Cost) 134 $27,434,000 $204,000 $912,000 $79,000 $347,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into BNC Mortgage'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 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.
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