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Act (HMDA) records BNC Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 15,106 | $ 4,119,221,000 | $ 272,687 | $ 112,000 |
| Chicago-Naperville-Joliet, IL | 12,867 | $ 2,542,641,000 | $ 197,609 | $ 93,000 |
| Los Angeles-Long Beach-Glendale, CA | 12,755 | $ 4,306,805,000 | $ 337,656 | $ 126,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8,026 | $ 1,554,916,000 | $ 193,734 | $ 89,000 |
| New York-White Plains-Wayne, NY-NJ | 5,358 | $ 1,964,427,000 | $ 366,634 | $ 136,622 |
| Detroit-Livonia-Dearborn, MI | 4,050 | $ 374,973,000 | $ 92,585 | $ 65,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3,785 | $ 711,396,000 | $ 187,951 | $ 93,970 |
| Oakland-Fremont-Hayward, CA | 3,508 | $ 1,301,338,000 | $ 370,962 | $ 149,000 |
| Las Vegas-Paradise, NV | 3,462 | $ 751,947,000 | $ 217,200 | $ 118,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3,263 | $ 915,780,000 | $ 280,655 | $ 101,571 |
| Nassau-Suffolk, NY | 2,719 | $ 836,672,000 | $ 307,713 | $ 133,000 |
| Santa Ana-Anaheim-Irvine, CA | 2,698 | $ 1,064,436,000 | $ 394,527 | $ 154,000 |
| San Diego-Carlsbad-San Marcos, CA | 2,677 | $ 948,414,000 | $ 354,282 | $ 145,000 |
| Baltimore-Towson, MD | 2,631 | $ 485,023,000 | $ 184,349 | $ 82,000 |
| Miami-Miami Beach-Kendall, FL | 2,547 | $ 554,369,000 | $ 217,655 | $ 117,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2,490 | $ 410,971,000 | $ 165,048 | $ 88,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2,413 | $ 682,010,000 | $ 282,639 | $ 120,000 |
| Cleveland-Elyria-Mentor, OH | 2,306 | $ 242,591,000 | $ 105,199 | $ 65,000 |
| Philadelphia, PA | 2,282 | $ 312,017,000 | $ 136,729 | $ 81,000 |
| St. Louis, MO-IL | 2,243 | $ 237,635,000 | $ 105,945 | $ 61,635 |
| Orlando-Kissimmee, FL | 2,191 | $ 405,293,000 | $ 184,980 | $ 99,000 |
| Warren-Troy-Farmington Hills, MI | 2,048 | $ 347,197,000 | $ 169,529 | $ 98,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,958 | $ 416,869,000 | $ 212,905 | $ 104,000 |
| Newark-Union, NJ-PA | 1,905 | $ 507,746,000 | $ 266,533 | $ 104,949 |
| Fresno, CA | 1,830 | $ 361,599,000 | $ 197,595 | $ 86,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,822 | $ 300,747,000 | $ 165,064 | $ 102,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,742 | $ 370,504,000 | $ 212,688 | $ 104,000 |
| Houston-Sugar Land-Baytown, TX | 1,735 | $ 196,932,000 | $ 113,505 | $ 84,000 |
| Bakersfield, CA | 1,618 | $ 309,776,000 | $ 191,456 | $ 86,000 |
| Stockton, CA | 1,597 | $ 462,064,000 | $ 289,332 | $ 123,000 |
| Salt Lake City, UT | 1,542 | $ 255,683,000 | $ 165,812 | $ 87,000 |
| Denver-Aurora, CO | 1,520 | $ 271,701,000 | $ 178,750 | $ 94,000 |
| Honolulu, HI | 1,460 | $ 475,362,000 | $ 325,590 | $ 127,000 |
| Seattle-Bellevue-Everett, WA | 1,401 | $ 359,298,000 | $ 256,458 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,396 | $ 177,860,000 | $ 127,406 | $ 70,000 |
| Kansas City, MO-KS | 1,220 | $ 130,252,000 | $ 106,763 | $ 77,642 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,160 | $ 488,378,000 | $ 421,015 | $ 173,000 |
| Provo-Orem, UT | 1,087 | $ 170,542,000 | $ 156,892 | $ 93,000 |
| Edison, NJ | 1,032 | $ 304,128,000 | $ 294,697 | $ 129,000 |
| Tucson, AZ | 1,002 | $ 154,750,000 | $ 154,441 | $ 75,000 |
| Ogden-Clearfield, UT | 989 | $ 133,577,000 | $ 135,062 | $ 72,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 967 | $ 218,137,000 | $ 225,581 | $ 123,000 |
| New Haven-Milford, CT | 940 | $ 168,175,000 | $ 178,909 | $ 86,000 |
| Modesto, CA | 896 | $ 238,553,000 | $ 266,242 | $ 106,000 |
| Pittsburgh, PA | 883 | $ 87,180,000 | $ 98,731 | $ 78,000 |
| Vallejo-Fairfield, CA | 861 | $ 297,322,000 | $ 345,321 | $ 136,000 |
| Lake County-Kenosha County, IL-WI | 784 | $ 153,787,000 | $ 196,156 | $ 92,187 |
| Gary, IN | 751 | $ 71,423,000 | $ 95,103 | $ 76,000 |
| Jacksonville, FL | 745 | $ 118,658,000 | $ 159,272 | $ 83,000 |
| Bridgeport-Stamford-Norwalk, CT | 726 | $ 193,499,000 | $ 266,527 | $ 103,000 |
| Camden, NJ | 724 | $ 135,701,000 | $ 187,432 | $ 86,000 |
| Hartford-West Hartford-East Hartford, CT | 699 | $ 126,499,000 | $ 180,971 | $ 80,000 |
| Dallas-Plano-Irving, TX | 693 | $ 86,914,000 | $ 125,417 | $ 100,000 |
| Visalia-Porterville, CA | 691 | $ 126,350,000 | $ 182,850 | $ 79,000 |
| Tacoma, WA | 616 | $ 132,676,000 | $ 215,383 | $ 109,000 |
| Columbus, OH | 588 | $ 72,192,000 | $ 122,775 | $ 80,000 |
| Cape Coral-Fort Myers, FL | 582 | $ 116,289,000 | $ 199,809 | $ 113,000 |
| Boise City-Nampa, ID | 567 | $ 87,489,000 | $ 154,301 | $ 82,000 |
| Lansing-East Lansing, MI | 567 | $ 61,860,000 | $ 109,100 | $ 66,000 |
| Salinas, CA | 561 | $ 218,803,000 | $ 390,023 | $ 144,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 561 | $ 94,938,000 | $ 169,229 | $ 75,857 |
| Memphis, TN-MS-AR | 550 | $ 47,947,000 | $ 87,176 | $ 70,465 |
| San Francisco-San Mateo-Redwood City, CA | 542 | $ 254,008,000 | $ 468,649 | $ 186,000 |
| Flint, MI | 541 | $ 48,677,000 | $ 89,975 | $ 62,000 |
| Bethesda-Gaithersburg-Frederick, MD | 513 | $ 155,294,000 | $ 302,717 | $ 106,000 |
| Providence-New Bedford-Fall River, RI-MA | 511 | $ 115,837,000 | $ 226,686 | $ 91,133 |
| Richmond, VA | 507 | $ 80,155,000 | $ 158,096 | $ 81,000 |
| Merced, CA | 494 | $ 132,763,000 | $ 268,751 | $ 106,000 |
| Lakeland, FL | 479 | $ 68,367,000 | $ 142,728 | $ 75,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 476 | $ 188,532,000 | $ 396,075 | $ 148,000 |
| Cincinnati-Middletown, OH-KY-IN | 469 | $ 54,430,000 | $ 116,055 | $ 74,053 |
| Anchorage, AK | 437 | $ 90,877,000 | $ 207,956 | $ 109,000 |
| Indianapolis-Carmel, IN | 402 | $ 43,103,000 | $ 107,221 | $ 78,000 |
| Akron, OH | 394 | $ 40,608,000 | $ 103,065 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 386 | $ 65,863,000 | $ 170,629 | $ 82,000 |
| El Centro, CA | 377 | $ 68,473,000 | $ 181,625 | $ 92,000 |
| St. George, UT | 351 | $ 79,386,000 | $ 226,170 | $ 114,000 |
| Wilmington, DE-MD-NJ | 342 | $ 61,990,000 | $ 181,257 | $ 75,181 |
| Albany-Schenectady-Troy, NY | 334 | $ 44,090,000 | $ 132,005 | $ 90,000 |
| Albuquerque, NM | 318 | $ 51,339,000 | $ 161,443 | $ 111,000 |
| Port St. Lucie-Fort Pierce, FL | 318 | $ 60,295,000 | $ 189,606 | $ 123,000 |
| Colorado Springs, CO | 316 | $ 52,119,000 | $ 164,933 | $ 91,000 |
| Palm Bay-Melbourne-Titusville, FL | 315 | $ 52,639,000 | $ 167,107 | $ 88,000 |
| Fort Worth-Arlington, TX | 314 | $ 40,913,000 | $ 130,296 | $ 97,000 |
| Grand Rapids-Wyoming, MI | 311 | $ 37,823,000 | $ 121,617 | $ 84,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 309 | $ 71,965,000 | $ 232,896 | $ 93,000 |
| Yuba City, CA | 306 | $ 67,390,000 | $ 220,228 | $ 93,000 |
| Madera, CA | 304 | $ 72,043,000 | $ 236,983 | $ 96,000 |
| Sarasota-Bradenton-Venice, FL | 286 | $ 62,758,000 | $ 219,433 | $ 108,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 284 | $ 49,426,000 | $ 174,035 | $ 95,070 |
| Boston-Quincy, MA | 280 | $ 92,073,000 | $ 328,832 | $ 112,000 |
| Charlotte-Gastonia-Concord, NC-SC | 278 | $ 38,264,000 | $ 137,640 | $ 89,154 |
| Reno-Sparks, NV | 267 | $ 63,585,000 | $ 238,146 | $ 101,000 |
| San Antonio, TX | 267 | $ 23,964,000 | $ 89,752 | $ 76,000 |
| Youngstown-Warren-Boardman, OH-PA | 261 | $ 20,907,000 | $ 80,103 | $ 62,137 |
| Louisville-Jefferson County, KY-IN | 257 | $ 28,338,000 | $ 110,264 | $ 63,132 |
| Olympia, WA | 256 | $ 47,555,000 | $ 185,761 | $ 94,000 |
| Santa Rosa-Petaluma, CA | 253 | $ 98,626,000 | $ 389,826 | $ 165,000 |
| Dayton, OH | 251 | $ 22,623,000 | $ 90,131 | $ 79,000 |
| Salem, OR | 250 | $ 41,859,000 | $ 167,436 | $ 85,000 |
| Rockford, IL | 243 | $ 24,491,000 | $ 100,786 | $ 73,000 |
| Trenton-Ewing, NJ | 232 | $ 44,495,000 | $ 191,788 | $ 96,000 |
| McAllen-Edinburg-Mission, TX | 230 | $ 21,192,000 | $ 92,139 | $ 56,000 |
| Spokane, WA | 222 | $ 30,087,000 | $ 135,527 | $ 61,000 |
| Ocala, FL | 215 | $ 30,602,000 | $ 142,334 | $ 67,000 |
| Chico, CA | 208 | $ 44,086,000 | $ 211,951 | $ 88,000 |
| Greeley, CO | 205 | $ 32,071,000 | $ 156,443 | $ 92,000 |
| Hanford-Corcoran, CA | 202 | $ 31,871,000 | $ 157,777 | $ 67,000 |
| Scranton--Wilkes-Barre, PA | 200 | $ 17,784,000 | $ 88,920 | $ 68,000 |
| Nashville-Davidson--Murfreesboro, TN | 198 | $ 31,407,000 | $ 158,621 | $ 80,000 |
| Oklahoma City, OK | 189 | $ 15,371,000 | $ 81,328 | $ 82,000 |
| Buffalo-Niagara Falls, NY | 184 | $ 12,528,000 | $ 68,086 | $ 61,000 |
| Redding, CA | 179 | $ 39,401,000 | $ 220,117 | $ 140,000 |
| Naples-Marco Island, FL | 178 | $ 48,677,000 | $ 273,466 | $ 180,000 |
| Jackson, MS | 177 | $ 15,006,000 | $ 84,779 | $ 62,000 |
| Canton-Massillon, OH | 167 | $ 14,638,000 | $ 87,652 | $ 59,000 |
| Brownsville-Harlingen, TX | 165 | $ 16,682,000 | $ 101,103 | $ 82,000 |
| Duluth, MN-WI | 165 | $ 14,738,000 | $ 89,321 | $ 46,909 |
| Madison, WI | 159 | $ 27,451,000 | $ 172,647 | $ 84,000 |
| Kalamazoo-Portage, MI | 157 | $ 16,491,000 | $ 105,038 | $ 74,000 |
| Pensacola-Ferry Pass-Brent, FL | 156 | $ 21,329,000 | $ 136,724 | $ 66,000 |
| Prescott, AZ | 155 | $ 33,627,000 | $ 216,948 | $ 107,000 |
| Chattanooga, TN-GA | 154 | $ 17,577,000 | $ 114,136 | $ 56,220 |
| Racine, WI | 153 | $ 20,365,000 | $ 133,104 | $ 61,000 |
| Toledo, OH | 149 | $ 16,166,000 | $ 108,496 | $ 72,000 |
| Yuma, AZ | 149 | $ 22,704,000 | $ 152,375 | $ 75,000 |
| Raleigh-Cary, NC | 148 | $ 23,468,000 | $ 158,567 | $ 101,000 |
| Hagerstown-Martinsburg, MD-WV | 147 | $ 29,037,000 | $ 197,530 | $ 81,775 |
| Jackson, MI | 147 | $ 14,919,000 | $ 101,489 | $ 66,000 |
| Reading, PA | 145 | $ 16,880,000 | $ 116,413 | $ 73,000 |
| Bremerton-Silverdale, WA | 141 | $ 28,603,000 | $ 202,858 | $ 88,000 |
| Santa Barbara-Santa Maria, CA | 140 | $ 51,979,000 | $ 371,278 | $ 135,000 |
| Tulsa, OK | 138 | $ 11,919,000 | $ 86,369 | $ 130,000 |
| Ann Arbor, MI | 137 | $ 26,951,000 | $ 196,722 | $ 104,000 |
| Atlantic City, NJ | 137 | $ 29,952,000 | $ 218,627 | $ 80,000 |
| Niles-Benton Harbor, MI | 132 | $ 13,069,000 | $ 99,007 | $ 67,000 |
| Beaumont-Port Arthur, TX | 130 | $ 8,273,000 | $ 63,638 | $ 49,000 |
| Saginaw-Saginaw Township North, MI | 130 | $ 10,004,000 | $ 76,953 | $ 58,000 |
| Springfield, MA | 130 | $ 21,468,000 | $ 165,138 | $ 79,000 |
| New Orleans-Metairie-Kenner, LA | 128 | $ 22,464,000 | $ 175,500 | $ 92,000 |
| Santa Cruz-Watsonville, CA | 126 | $ 54,672,000 | $ 433,904 | $ 163,000 |
| Battle Creek, MI | 124 | $ 11,249,000 | $ 90,717 | $ 48,000 |
| Cambridge-Newton-Framingham, MA | 122 | $ 38,380,000 | $ 314,590 | $ 130,000 |
| Tallahassee, FL | 120 | $ 19,781,000 | $ 164,841 | $ 87,000 |
| South Bend-Mishawaka, IN-MI | 117 | $ 10,496,000 | $ 89,709 | $ 125,076 |
| Little Rock-North Little Rock, AR | 116 | $ 10,131,000 | $ 87,336 | $ 73,000 |
| Muskegon-Norton Shores, MI | 114 | $ 10,381,000 | $ 91,061 | $ 51,000 |
| Fort Wayne, IN | 112 | $ 7,169,000 | $ 64,008 | $ 67,000 |
| Worcester, MA | 109 | $ 25,535,000 | $ 234,266 | $ 96,000 |
| Eugene-Springfield, OR | 108 | $ 20,268,000 | $ 187,666 | $ 78,000 |
| York-Hanover, PA | 107 | $ 17,983,000 | $ 168,065 | $ 76,000 |
| Fort Collins-Loveland, CO | 105 | $ 25,294,000 | $ 240,895 | $ 127,000 |
| Norwich-New London, CT | 104 | $ 21,721,000 | $ 208,855 | $ 133,000 |
| Rochester, NY | 104 | $ 8,972,000 | $ 86,269 | $ 83,000 |
| Pueblo, CO | 103 | $ 11,885,000 | $ 115,388 | $ 61,000 |
| Austin-Round Rock, TX | 102 | $ 16,370,000 | $ 160,490 | $ 152,000 |
| Kankakee-Bradley, IL | 93 | $ 10,525,000 | $ 113,172 | $ 65,000 |
| Green Bay, WI | 92 | $ 11,865,000 | $ 128,967 | $ 70,000 |
| Harrisburg-Carlisle, PA | 90 | $ 8,771,000 | $ 97,455 | $ 64,000 |
| Fairbanks, AK | 89 | $ 14,135,000 | $ 158,820 | $ 96,000 |
| Boulder, CO | 87 | $ 20,760,000 | $ 238,620 | $ 113,000 |
| Longview, WA | 87 | $ 12,152,000 | $ 139,678 | $ 68,000 |
| Vineland-Millville-Bridgeton, NJ | 87 | $ 12,499,000 | $ 143,666 | $ 72,000 |
| Wichita, KS | 86 | $ 6,738,000 | $ 78,348 | $ 58,000 |
| Bellingham, WA | 84 | $ 18,237,000 | $ 217,107 | $ 91,000 |
| Greensboro-High Point, NC | 82 | $ 12,220,000 | $ 149,024 | $ 93,000 |
| Las Cruces, NM | 81 | $ 8,740,000 | $ 107,901 | $ 120,000 |
| San Luis Obispo-Paso Robles, CA | 80 | $ 28,967,000 | $ 362,087 | $ 130,000 |
| Punta Gorda, FL | 78 | $ 14,994,000 | $ 192,230 | $ 105,000 |
| Baton Rouge, LA | 77 | $ 10,272,000 | $ 133,402 | $ 295,000 |
| Essex County, MA | 77 | $ 21,550,000 | $ 279,870 | $ 109,000 |
| Gainesville, FL | 77 | $ 10,208,000 | $ 132,571 | $ 80,000 |
| Napa, CA | 75 | $ 32,344,000 | $ 431,253 | $ 173,000 |
| St. Cloud, MN | 75 | $ 10,999,000 | $ 146,653 | $ 86,000 |
| Medford, OR | 73 | $ 18,569,000 | $ 254,369 | $ 137,000 |
| Portland-South Portland-Biddeford, ME | 73 | $ 13,949,000 | $ 191,082 | $ 88,000 |
| Springfield, MO | 72 | $ 7,829,000 | $ 108,736 | $ 91,000 |
| Charleston-North Charleston, SC | 71 | $ 10,108,000 | $ 142,366 | $ 92,000 |
| Durham, NC | 71 | $ 7,667,000 | $ 107,985 | $ 78,000 |
| Kingston, NY | 71 | $ 15,668,000 | $ 220,676 | $ 99,000 |
| Lancaster, PA | 71 | $ 10,498,000 | $ 147,859 | $ 89,000 |
| Monroe, MI | 71 | $ 11,678,000 | $ 164,478 | $ 79,000 |
| Rochester, MN | 71 | $ 9,742,000 | $ 137,211 | $ 83,000 |
| Columbia, SC | 70 | $ 9,842,000 | $ 140,600 | $ 82,000 |
| Janesville, WI | 69 | $ 7,996,000 | $ 115,884 | $ 68,000 |
| Springfield, OH | 68 | $ 4,949,000 | $ 72,779 | $ 83,000 |
| Winchester, VA-WV | 68 | $ 17,224,000 | $ 253,294 | $ 94,352 |
| Dover, DE | 67 | $ 12,201,000 | $ 182,104 | $ 82,000 |
| Kennewick-Richland-Pasco, WA | 67 | $ 8,888,000 | $ 132,656 | $ 79,000 |
| Knoxville, TN | 67 | $ 8,513,000 | $ 127,059 | $ 61,000 |
| Logan, UT-ID | 66 | $ 9,578,000 | $ 145,121 | $ 58,636 |
| Sebastian-Vero Beach, FL | 65 | $ 10,272,000 | $ 158,030 | $ 103,000 |
| Ocean City, NJ | 64 | $ 17,848,000 | $ 278,875 | $ 145,000 |
| Appleton, WI | 63 | $ 8,942,000 | $ 141,936 | $ 80,000 |
| Des Moines-West Des Moines, IA | 63 | $ 8,626,000 | $ 136,920 | $ 63,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 63 | $ 14,859,000 | $ 235,857 | $ 195,000 |
| Coeur D'Alene, ID | 62 | $ 14,505,000 | $ 233,951 | $ 129,000 |
| Mount Vernon-Anacortes, WA | 61 | $ 12,583,000 | $ 206,278 | $ 86,000 |
| Winston-Salem, NC | 61 | $ 8,702,000 | $ 142,655 | $ 76,000 |
| Lexington-Fayette, KY | 60 | $ 7,893,000 | $ 131,550 | $ 85,000 |
| Salisbury, MD | 59 | $ 8,688,000 | $ 147,254 | $ 80,000 |
| St. Joseph, MO-KS | 59 | $ 5,099,000 | $ 86,423 | $ 53,288 |
| Terre Haute, IN | 59 | $ 3,532,000 | $ 59,864 | $ 66,000 |
| Yakima, WA | 59 | $ 7,175,000 | $ 121,610 | $ 66,000 |
| Holland-Grand Haven, MI | 58 | $ 7,411,000 | $ 127,775 | $ 67,000 |
| Joplin, MO | 56 | $ 4,316,000 | $ 77,071 | $ 55,000 |
| Macon, GA | 56 | $ 7,952,000 | $ 142,000 | $ 82,000 |
| Erie, PA | 55 | $ 4,569,000 | $ 83,072 | $ 67,000 |
| Grand Junction, CO | 54 | $ 7,788,000 | $ 144,222 | $ 69,000 |
| Panama City-Lynn Haven, FL | 54 | $ 10,431,000 | $ 193,166 | $ 113,000 |
| Bend, OR | 53 | $ 12,817,000 | $ 241,830 | $ 118,000 |
| Corpus Christi, TX | 52 | $ 4,950,000 | $ 95,192 | $ 60,000 |
| Idaho Falls, ID | 51 | $ 7,537,000 | $ 147,784 | $ 91,000 |
| Omaha-Council Bluffs, NE-IA | 50 | $ 5,570,000 | $ 111,400 | $ 187,140 |
| Fort Walton Beach-Crestview-Destin, FL | 49 | $ 9,659,000 | $ 197,122 | $ 108,000 |
| Fort Smith, AR-OK | 48 | $ 3,848,000 | $ 80,166 | $ 48,229 |
| Rocky Mount, NC | 48 | $ 4,585,000 | $ 95,520 | $ 55,000 |
| Syracuse, NY | 48 | $ 4,047,000 | $ 84,312 | $ 73,000 |
| Weirton-Steubenville, WV-OH | 48 | $ 3,327,000 | $ 69,312 | $ 49,500 |
| Bay City, MI | 46 | $ 4,279,000 | $ 93,021 | $ 60,000 |
| Flagstaff, AZ | 46 | $ 10,828,000 | $ 235,391 | $ 105,000 |
| Utica-Rome, NY | 45 | $ 4,039,000 | $ 89,755 | $ 76,000 |
| El Paso, TX | 44 | $ 3,891,000 | $ 88,431 | $ 69,000 |
| Florence, SC | 44 | $ 4,207,000 | $ 95,613 | $ 46,000 |
| Mansfield, OH | 44 | $ 4,421,000 | $ 100,477 | $ 72,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 43 | $ 6,576,000 | $ 152,930 | $ 77,674 |
| Wenatchee, WA | 42 | $ 6,950,000 | $ 165,476 | $ 122,000 |
| Barnstable Town, MA | 41 | $ 11,108,000 | $ 270,926 | $ 123,000 |
| Carson City, NV | 41 | $ 6,965,000 | $ 169,878 | $ 74,000 |
| Pocatello, ID | 41 | $ 5,136,000 | $ 125,268 | $ 117,000 |
| Waterloo-Cedar Falls, IA | 40 | $ 2,648,000 | $ 66,200 | $ 64,000 |
| Eau Claire, WI | 39 | $ 4,727,000 | $ 121,205 | $ 56,000 |
| Lima, OH | 39 | $ 2,785,000 | $ 71,410 | $ 90,000 |
| Charlottesville, VA | 38 | $ 7,259,000 | $ 191,026 | $ 71,000 |
| Shreveport-Bossier City, LA | 38 | $ 3,483,000 | $ 91,657 | $ 53,000 |
| Elkhart-Goshen, IN | 37 | $ 3,977,000 | $ 107,486 | $ 84,000 |
| Glens Falls, NY | 37 | $ 4,866,000 | $ 131,513 | $ 85,000 |
| Oshkosh-Neenah, WI | 37 | $ 3,922,000 | $ 106,000 | $ 77,000 |
| Savannah, GA | 37 | $ 5,340,000 | $ 144,324 | $ 112,000 |
| Billings, MT | 36 | $ 5,275,000 | $ 146,527 | $ 73,000 |
| Rockingham County-Strafford County, NH | 36 | $ 8,039,000 | $ 223,305 | $ 81,000 |
| Roanoke, VA | 35 | $ 6,664,000 | $ 190,400 | $ 84,000 |
| Sioux City, IA-NE-SD | 35 | $ 2,878,000 | $ 82,228 | $ 57,657 |
| Clarksville, TN-KY | 34 | $ 4,232,000 | $ 124,470 | $ 87,588 |
| Springfield, IL | 34 | $ 2,917,000 | $ 85,794 | $ 83,000 |
| Cedar Rapids, IA | 33 | $ 2,979,000 | $ 90,272 | $ 137,000 |
| Cheyenne, WY | 33 | $ 3,970,000 | $ 120,303 | $ 59,000 |
| Greenville, SC | 33 | $ 4,540,000 | $ 137,575 | $ 67,000 |
| Lynchburg, VA | 33 | $ 4,612,000 | $ 139,757 | $ 61,000 |
| Evansville, IN-KY | 32 | $ 2,723,000 | $ 85,093 | $ 55,375 |
| Huntington-Ashland, WV-KY-OH | 32 | $ 3,300,000 | $ 103,125 | $ 77,625 |
| Wausau, WI | 32 | $ 3,302,000 | $ 103,187 | $ 52,000 |
| Davenport-Moline-Rock Island, IA-IL | 31 | $ 3,115,000 | $ 100,483 | $ 54,483 |
| Sioux Falls, SD | 31 | $ 2,870,000 | $ 92,580 | $ 71,000 |
| Topeka, KS | 31 | $ 2,846,000 | $ 91,806 | $ 112,000 |
| Augusta-Richmond County, GA-SC | 30 | $ 3,990,000 | $ 133,000 | $ 89,700 |
| Manchester-Nashua, NH | 30 | $ 6,967,000 | $ 232,233 | $ 172,000 |
| Santa Fe, NM | 30 | $ 6,997,000 | $ 233,233 | $ 98,000 |
| Spartanburg, SC | 30 | $ 3,915,000 | $ 130,500 | $ 67,000 |
| Wilmington, NC | 30 | $ 5,352,000 | $ 178,400 | $ 74,000 |
| Binghamton, NY | 29 | $ 2,843,000 | $ 98,034 | $ 67,000 |
| Jefferson City, MO | 29 | $ 2,798,000 | $ 96,482 | $ 50,000 |
| Sandusky, OH | 29 | $ 2,698,000 | $ 93,034 | $ 53,000 |
| Sheboygan, WI | 29 | $ 3,141,000 | $ 108,310 | $ 57,000 |
| Elizabethtown, KY | 28 | $ 2,886,000 | $ 103,071 | $ 69,000 |
| Altoona, PA | 27 | $ 1,939,000 | $ 71,814 | $ 41,000 |
| San Angelo, TX | 27 | $ 1,570,000 | $ 58,148 | $ 54,000 |
| Champaign-Urbana, IL | 26 | $ 3,805,000 | $ 146,346 | $ 81,000 |
| Killeen-Temple-Fort Hood, TX | 26 | $ 2,061,000 | $ 79,269 | $ 76,000 |
| Cleveland, TN | 25 | $ 2,339,000 | $ 93,560 | $ 45,000 |
| Gulfport-Biloxi, MS | 25 | $ 3,734,000 | $ 149,360 | $ 99,000 |
| Peoria, IL | 25 | $ 2,215,000 | $ 88,600 | $ 70,000 |
| College Station-Bryan, TX | 24 | $ 2,111,000 | $ 87,958 | $ 74,000 |
| Columbus, GA-AL | 24 | $ 3,416,000 | $ 142,333 | $ 69,000 |
| Danville, IL | 24 | $ 2,108,000 | $ 87,833 | $ 71,000 |
| Fond Du Lac, WI | 24 | $ 2,763,000 | $ 115,125 | $ 50,000 |
| Hickory-Lenoir-Morganton, NC | 24 | $ 2,503,000 | $ 104,291 | $ 107,000 |
| Pine Bluff, AR | 24 | $ 1,417,000 | $ 59,041 | $ 42,000 |
| Tyler, TX | 24 | $ 3,204,000 | $ 133,500 | $ 88,000 |
| Cumberland, MD-WV | 23 | $ 2,750,000 | $ 119,565 | $ 46,565 |
| Farmington, NM | 23 | $ 2,881,000 | $ 125,260 | $ 82,000 |
| Jackson, TN | 23 | $ 2,689,000 | $ 116,913 | $ 86,000 |
| Missoula, MT | 23 | $ 4,678,000 | $ 203,391 | $ 79,000 |
| Jonesboro, AR | 22 | $ 1,215,000 | $ 55,227 | $ 48,000 |
| Lebanon, PA | 22 | $ 2,084,000 | $ 94,727 | $ 56,000 |
| Wheeling, WV-OH | 22 | $ 1,686,000 | $ 76,636 | $ 50,454 |
| Asheville, NC | 21 | $ 4,179,000 | $ 199,000 | $ 73,000 |
| Bowling Green, KY | 21 | $ 2,406,000 | $ 114,571 | $ 67,000 |
| Corvallis, OR | 21 | $ 4,192,000 | $ 199,619 | $ 130,000 |
| Fargo, ND-MN | 21 | $ 2,453,000 | $ 116,809 | $ 76,666 |
| Fayetteville, NC | 21 | $ 2,476,000 | $ 117,904 | $ 67,000 |
| Greenville, NC | 21 | $ 2,087,000 | $ 99,380 | $ 57,000 |
| Hattiesburg, MS | 21 | $ 2,030,000 | $ 96,666 | $ 44,000 |
| Sumter, SC | 21 | $ 1,403,000 | $ 66,809 | $ 38,000 |
| Harrisonburg, VA | 20 | $ 3,802,000 | $ 190,100 | $ 170,000 |
| Johnstown, PA | 20 | $ 1,197,000 | $ 59,850 | $ 33,000 |
| La Crosse, WI-MN | 20 | $ 2,439,000 | $ 121,950 | $ 70,500 |
| Amarillo, TX | 19 | $ 1,800,000 | $ 94,736 | $ 47,000 |
| Laredo, TX | 19 | $ 1,616,000 | $ 85,052 | $ 47,000 |
| Decatur, IL | 18 | $ 1,488,000 | $ 82,666 | $ 59,000 |
| Johnson City, TN | 18 | $ 2,523,000 | $ 140,166 | $ 66,000 |
| Lafayette, LA | 18 | $ 1,689,000 | $ 93,833 | $ 58,000 |
| Lewiston-Auburn, ME | 18 | $ 2,581,000 | $ 143,388 | $ 65,000 |
| Longview, TX | 18 | $ 1,567,000 | $ 87,055 | $ 66,000 |
| Warner Robins, GA | 18 | $ 2,200,000 | $ 122,222 | $ 67,000 |
| Charleston, WV | 17 | $ 3,311,000 | $ 194,764 | $ 114,000 |
| Kingsport-Bristol-Bristol, TN-VA | 17 | $ 2,619,000 | $ 154,058 | $ 59,470 |
| Lafayette, IN | 17 | $ 1,769,000 | $ 104,058 | $ 64,000 |
| Danville, VA | 16 | $ 1,292,000 | $ 80,750 | $ 55,000 |
| Michigan City-La Porte, IN | 16 | $ 2,174,000 | $ 135,875 | $ 68,000 |
| Pittsfield, MA | 16 | $ 2,609,000 | $ 163,062 | $ 116,000 |
| Waco, TX | 16 | $ 1,435,000 | $ 89,687 | $ 53,000 |
| Anderson, IN | 15 | $ 1,186,000 | $ 79,066 | $ 48,000 |
| Athens-Clarke County, GA | 15 | $ 2,948,000 | $ 196,533 | $ 86,000 |
| Burlington-South Burlington, VT | 15 | $ 2,737,000 | $ 182,466 | $ 106,000 |
| Gainesville, GA | 15 | $ 3,240,000 | $ 216,000 | $ 150,000 |
| Hot Springs, AR | 15 | $ 1,204,000 | $ 80,266 | $ 62,000 |
| Muncie, IN | 15 | $ 1,111,000 | $ 74,066 | $ 45,000 |
| Anderson, SC | 14 | $ 1,809,000 | $ 129,214 | $ 78,000 |
| Bangor, ME | 14 | $ 1,847,000 | $ 131,928 | $ 104,000 |
| Casper, WY | 14 | $ 2,182,000 | $ 155,857 | $ 78,000 |
| Grand Forks, ND-MN | 14 | $ 1,094,000 | $ 78,142 | $ 37,428 |
| Lincoln, NE | 14 | $ 2,572,000 | $ 183,714 | $ 73,000 |
| Valdosta, GA | 14 | $ 1,741,000 | $ 124,357 | $ 67,000 |
| Wichita Falls, TX | 14 | $ 959,000 | $ 68,500 | $ 59,000 |
| Burlington, NC | 13 | $ 1,096,000 | $ 84,307 | $ 42,000 |
| Elmira, NY | 13 | $ 986,000 | $ 75,846 | $ 106,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 13 | $ 1,212,000 | $ 93,230 | $ 64,000 |
| Abilene, TX | 12 | $ 821,000 | $ 68,416 | $ 48,000 |
| Blacksburg-Christiansburg-Radford, VA | 12 | $ 1,556,000 | $ 129,666 | $ 53,000 |
| Rapid City, SD | 12 | $ 1,158,000 | $ 96,500 | $ 112,000 |
| Bloomington-Normal, IL | 11 | $ 1,905,000 | $ 173,181 | $ 296,000 |
| Columbia, MO | 11 | $ 1,306,000 | $ 118,727 | $ 59,000 |
| Columbus, IN | 11 | $ 1,064,000 | $ 96,727 | $ 61,000 |
| Lewiston, ID-WA | 11 | $ 1,374,000 | $ 124,909 | $ 80,727 |
| Lubbock, TX | 11 | $ 1,183,000 | $ 107,545 | $ 66,000 |
| Morgantown, WV | 11 | $ 1,506,000 | $ 136,909 | $ 71,000 |
| Pascagoula, MS | 11 | $ 920,000 | $ 83,636 | $ 123,000 |
| Albany, GA | 10 | $ 1,222,000 | $ 122,200 | $ 61,000 |
| Kokomo, IN | 10 | $ 970,000 | $ 97,000 | $ 65,000 |
| Owensboro, KY | 10 | $ 894,000 | $ 89,400 | $ 54,000 |
| Brunswick, GA | 9 | $ 2,002,000 | $ 222,444 | $ 72,000 |
| Jacksonville, NC | 9 | $ 2,126,000 | $ 236,222 | $ 182,000 |
| Morristown, TN | 9 | $ 1,070,000 | $ 118,888 | $ 50,000 |
| Dalton, GA | 8 | $ 1,014,000 | $ 126,750 | $ 58,000 |
| Monroe, LA | 8 | $ 559,000 | $ 69,875 | $ 46,000 |
| Bloomington, IN | 7 | $ 655,000 | $ 93,571 | $ 125,000 |
| Lawrence, KS | 7 | $ 827,000 | $ 118,142 | $ 73,000 |
| State College, PA | 7 | $ 1,059,000 | $ 151,285 | $ 118,000 |
| Hinesville-Fort Stewart, GA | 6 | $ 481,000 | $ 80,166 | $ 67,000 |
| Houma-Bayou Cane-Thibodaux, LA | 6 | $ 772,000 | $ 128,666 | $ 71,000 |
| Iowa City, IA | 6 | $ 1,467,000 | $ 244,500 | $ 100,000 |
| Lake Charles, LA | 6 | $ 501,000 | $ 83,500 | $ 38,000 |
| Sherman-Denison, TX | 6 | $ 300,000 | $ 50,000 | $ 65,000 |
| Alexandria, LA | 5 | $ 371,000 | $ 74,200 | $ 84,000 |
| Bismarck, ND | 5 | $ 675,000 | $ 135,000 | $ 86,000 |
| Lawton, OK | 5 | $ 432,000 | $ 86,400 | $ 44,000 |
| Rome, GA | 5 | $ 359,000 | $ 71,800 | $ 66,000 |
| Odessa, TX | 4 | $ 283,000 | $ 70,750 | $ 57,000 |
| Texarkana, Tx-Texarkana, AR | 4 | $ 681,000 | $ 170,250 | $ 126,250 |
| Victoria, TX | 4 | $ 303,000 | $ 75,750 | $ 62,000 |
| Williamsport, PA | 4 | $ 389,000 | $ 97,250 | $ 82,000 |
| Goldsboro, NC | 3 | $ 259,000 | $ 86,333 | $ 82,000 |
| Great Falls, MT | 3 | $ 373,000 | $ 124,333 | $ 57,000 |
| Ames, IA | 2 | $ 77,000 | $ 38,500 | $ 54,000 |
| Dubuque, IA | 1 | $ 86,000 | $ 86,000 | $ 17,000 |
| Midland, TX | 1 | $ 46,000 | $ 46,000 | $ 24,000 |
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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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