First Nlc Financial Services, Mortgage Lending & HMDA Data, 2007

In 2007, First Nlc Financial Services, of Boca Raton, FL reported 149,563 mortgage applications totaling $28.6 billion, down 44% from 2006. The average application was for $191,079, and applicants reported an average income of $65,441. 8% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (8,818), Phoenix-Mesa-Scottsdale, AZ (4,536) and Houston-Sugar Land-Baytown, TX (4,436) (applications in parentheses).

Mortgage Company & Address First Nlc Financial Services,
4680 Conference Way South
Boca Raton, FL 33431
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 149,563
Total Mortgage Loan Application Amount $28,578,481,000
Average Mortgage Loan Application Amount $191,079
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $65,441
Highest Applicant Income $8,474,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Nlc Financial Services, filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 First Nlc Financial Services, by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 6,013 $ 1,159,059,000 $ 192,758 $ 61,000
Maricopa, Arizona 4,142 $ 720,454,000 $ 173,938 $ 66,000
Miami-Dade, Florida 3,420 $ 789,355,000 $ 230,805 $ 77,000
Harris, Texas 3,109 $ 376,472,000 $ 121,091 $ 64,000
Los Angeles, California 2,618 $ 974,559,000 $ 372,253 $ 89,000
Broward, Florida 2,548 $ 582,952,000 $ 228,788 $ 75,000
Dallas, Texas 1,967 $ 242,176,000 $ 123,119 $ 54,000
Prince George's, Maryland 1,791 $ 527,372,000 $ 294,456 $ 66,000
Clark, Nevada 1,635 $ 409,189,000 $ 250,268 $ 131,000
Tarrant, Texas 1,518 $ 195,742,000 $ 128,947 $ 58,000
Wayne, Michigan 1,386 $ 140,221,000 $ 101,169 $ 59,000
Riverside, California 1,359 $ 426,995,000 $ 314,197 $ 81,000
Palm Beach, Florida 1,348 $ 315,505,000 $ 234,054 $ 76,000
Providence, Rhode Island 1,216 $ 279,887,000 $ 230,170 $ 60,000
San Bernardino, California 1,158 $ 331,357,000 $ 286,145 $ 76,000
Bexar, Texas 1,007 $ 114,510,000 $ 113,714 $ 57,000
Orange, Florida 960 $ 195,202,000 $ 203,335 $ 61,000
Will, Illinois 950 $ 177,844,000 $ 187,204 $ 58,000
San Diego, California 936 $ 350,544,000 $ 374,512 $ 84,000
Hillsborough, Florida 922 $ 168,268,000 $ 182,503 $ 71,000
Baltimore City, Maryland 903 $ 123,268,000 $ 136,509 $ 51,000
Bernalillo, New Mexico 903 $ 143,040,000 $ 158,405 $ 49,000
Philadelphia, Pennsylvania 898 $ 103,539,000 $ 115,299 $ 94,000
Fresno, California 863 $ 170,217,000 $ 197,238 $ 57,000
Camden, New Jersey 863 $ 151,451,000 $ 175,493 $ 74,000
Pima, Arizona 807 $ 125,789,000 $ 155,872 $ 66,000
Duval, Florida 785 $ 114,481,000 $ 145,835 $ 59,000
Shelby, Tennessee 776 $ 92,538,000 $ 119,250 $ 55,000
Worcester, Massachusetts 774 $ 177,846,000 $ 229,775 $ 60,000
St. Louis, Missouri 767 $ 100,993,000 $ 131,672 $ 53,000
Middlesex, Massachusetts 749 $ 245,677,000 $ 328,006 $ 70,000
Essex, New Jersey 739 $ 201,386,000 $ 272,511 $ 77,000
Baltimore, Maryland 724 $ 164,408,000 $ 227,082 $ 60,000
Douglas, Nebraska 696 $ 83,675,000 $ 120,222 $ 56,000
Montgomery, Maryland 691 $ 229,110,000 $ 331,562 $ 64,000
DuPage, Illinois 688 $ 138,595,000 $ 201,446 $ 65,000
Essex, Massachusetts 660 $ 189,757,000 $ 287,510 $ 57,000
Suffolk, Massachusetts 656 $ 218,471,000 $ 333,035 $ 62,000
Jackson, Missouri 644 $ 75,310,000 $ 116,940 $ 51,000
Hartford, Connecticut 643 $ 130,261,000 $ 202,583 $ 60,000
Lake, Illinois 634 $ 121,510,000 $ 191,656 $ 59,000
Kane, Illinois 630 $ 109,078,000 $ 173,139 $ 60,000
Sacramento, California 627 $ 184,728,000 $ 294,622 $ 72,000
Kern, California 597 $ 126,509,000 $ 211,907 $ 57,000
Lee, Florida 596 $ 128,540,000 $ 215,671 $ 70,000
Lake, Indiana 577 $ 55,448,000 $ 96,097 $ 58,000
New Haven, Connecticut 576 $ 123,155,000 $ 213,810 $ 62,000
Honolulu, Hawaii 573 $ 206,979,000 $ 361,219 $ 69,000
Fairfield, Connecticut 572 $ 187,277,000 $ 327,407 $ 73,000
King, Washington 561 $ 159,814,000 $ 284,873 $ 77,000
Pinellas, Florida 560 $ 100,659,000 $ 179,748 $ 68,000
Middlesex, New Jersey 559 $ 156,216,000 $ 279,456 $ 82,000
Union, New Jersey 545 $ 162,568,000 $ 298,289 $ 76,000
Hennepin, Minnesota 535 $ 107,346,000 $ 200,646 $ 50,000
Fulton, Georgia 529 $ 94,123,000 $ 177,926 $ 70,000
Milwaukee, Wisconsin 529 $ 63,425,000 $ 119,896 $ 50,000
Ocean, New Jersey 527 $ 130,765,000 $ 248,130 $ 78,000
Fort Bend, Texas 522 $ 73,235,000 $ 140,296 $ 72,000
Salt Lake, Utah 520 $ 99,744,000 $ 191,815 $ 68,000
Bristol, Massachusetts 517 $ 127,737,000 $ 247,073 $ 58,000
Tulare, California 514 $ 91,771,000 $ 178,542 $ 52,000
Marion, Indiana 511 $ 50,512,000 $ 98,849 $ 47,000
Orange, California 495 $ 210,169,000 $ 424,583 $ 101,000
DeKalb, Georgia 486 $ 79,569,000 $ 163,722 $ 54,000
Bergen, New Jersey 485 $ 179,615,000 $ 370,340 $ 102,000
Plymouth, Massachusetts 481 $ 134,933,000 $ 280,525 $ 66,000
San Joaquin, California 480 $ 150,036,000 $ 312,575 $ 78,000
Anne Arundel, Maryland 480 $ 133,778,000 $ 278,704 $ 64,000
New Castle, Delaware 472 $ 99,558,000 $ 210,927 $ 56,000
Burlington, New Jersey 467 $ 96,535,000 $ 206,713 $ 74,000
Hampden, Massachusetts 466 $ 78,438,000 $ 168,321 $ 47,000
Contra Costa, California 449 $ 173,352,000 $ 386,084 $ 83,000
Denton, Texas 445 $ 76,191,000 $ 171,215 $ 80,000
Collin, Texas 443 $ 77,937,000 $ 175,930 $ 76,000
Fairfax, Virginia 441 $ 163,426,000 $ 370,580 $ 86,000
Polk, Florida 439 $ 72,720,000 $ 165,649 $ 60,000
Pierce, Washington 433 $ 102,717,000 $ 237,221 $ 67,000
Atlantic, New Jersey 432 $ 92,662,000 $ 214,495 $ 72,000
Monmouth, New Jersey 426 $ 125,580,000 $ 294,788 $ 87,000
Oakland, Michigan 422 $ 68,244,000 $ 161,715 $ 62,000
Jefferson, Kentucky 415 $ 53,486,000 $ 128,881 $ 47,000
Volusia, Florida 413 $ 70,922,000 $ 171,723 $ 53,000
El Paso, Texas 408 $ 50,112,000 $ 122,823 $ 59,000
Travis, Texas 408 $ 61,578,000 $ 150,926 $ 62,000
Passaic, New Jersey 399 $ 119,221,000 $ 298,799 $ 76,000
Pinal, Arizona 394 $ 63,316,000 $ 160,700 $ 63,000
Macomb, Michigan 387 $ 54,434,000 $ 140,656 $ 56,000
Prince William, Virginia 384 $ 138,377,000 $ 360,356 $ 75,000
Santa Clara, California 382 $ 175,388,000 $ 459,130 $ 100,000
Virginia Beach, Virginia 379 $ 81,439,000 $ 214,878 $ 59,000
Winnebago, Illinois 377 $ 42,143,000 $ 111,785 $ 49,000
Norfolk, Massachusetts 361 $ 117,995,000 $ 326,855 $ 70,000
Alameda, California 355 $ 139,468,000 $ 392,867 $ 93,000
Gloucester, New Jersey 355 $ 69,411,000 $ 195,523 $ 75,000
Stanislaus, California 348 $ 97,415,000 $ 279,928 $ 78,000
Gwinnett, Georgia 343 $ 61,708,000 $ 179,906 $ 63,000
St. Lucie, Florida 341 $ 63,847,000 $ 187,234 $ 64,000
Mercer, New Jersey 341 $ 66,370,000 $ 194,633 $ 76,000
Allegheny, Pennsylvania 340 $ 41,667,000 $ 122,550 $ 117,000
Snohomish, Washington 338 $ 93,488,000 $ 276,591 $ 72,000
Hudson, New Jersey 331 $ 108,247,000 $ 327,030 $ 93,000
Hidalgo, Texas 330 $ 36,103,000 $ 109,403 $ 63,000
Osceola, Florida 324 $ 67,637,000 $ 208,756 $ 67,000
Oklahoma, Oklahoma 324 $ 35,013,000 $ 108,064 $ 52,000
Seminole, Florida 315 $ 62,833,000 $ 199,469 $ 61,000
Brevard, Florida 309 $ 57,350,000 $ 185,598 $ 55,000
St. Clair, Illinois 309 $ 33,774,000 $ 109,300 $ 46,000
St. Louis City, Missouri 309 $ 34,318,000 $ 111,061 $ 43,000
Davidson, Tennessee 308 $ 39,865,000 $ 129,431 $ 45,000
Pasco, Florida 302 $ 52,773,000 $ 174,745 $ 65,000
McHenry, Illinois 292 $ 58,438,000 $ 200,130 $ 59,000
Hillsborough, New Hampshire 291 $ 65,159,000 $ 223,914 $ 65,000
Montgomery, Texas 276 $ 45,947,000 $ 166,474 $ 76,000
Kent, Rhode Island 275 $ 61,513,000 $ 223,683 $ 59,000
Lancaster, Nebraska 273 $ 35,639,000 $ 130,545 $ 53,000
Tulsa, Oklahoma 268 $ 30,479,000 $ 113,727 $ 52,000
Cameron, Texas 266 $ 26,281,000 $ 98,800 $ 55,000
Cobb, Georgia 265 $ 45,889,000 $ 173,166 $ 63,000
Denver, Colorado 258 $ 46,494,000 $ 180,209 $ 56,000
Clayton, Georgia 258 $ 33,967,000 $ 131,655 $ 49,000
Cumberland, New Jersey 258 $ 39,860,000 $ 154,496 $ 61,000
El Paso, Colorado 256 $ 40,166,000 $ 156,898 $ 55,000
Manatee, Florida 256 $ 48,664,000 $ 190,093 $ 68,000
Kent, Michigan 254 $ 28,802,000 $ 113,393 $ 41,000
Sedgwick, Kansas 253 $ 28,753,000 $ 113,648 $ 55,000
Adams, Colorado 252 $ 45,240,000 $ 179,523 $ 63,000
Ramsey, Minnesota 249 $ 46,175,000 $ 185,441 $ 50,000
New London, Connecticut 241 $ 55,190,000 $ 229,004 $ 57,000
Morris, New Jersey 241 $ 84,038,000 $ 348,705 $ 108,000
York, Pennsylvania 241 $ 38,048,000 $ 157,875 $ 163,000
Genesee, Michigan 240 $ 26,225,000 $ 109,270 $ 49,000
Collier, Florida 235 $ 64,101,000 $ 272,770 $ 73,000
Williamson, Texas 233 $ 32,219,000 $ 138,278 $ 62,000
Franklin, Ohio 232 $ 29,988,000 $ 129,258 $ 61,000
Anoka, Minnesota 228 $ 46,139,000 $ 202,364 $ 53,000
Madison, Illinois 225 $ 23,291,000 $ 103,515 $ 50,000
Harford, Maryland 225 $ 52,568,000 $ 233,635 $ 68,000
Chesterfield, Virginia 225 $ 38,618,000 $ 171,635 $ 56,000
Jefferson, Missouri 220 $ 29,319,000 $ 133,268 $ 54,000
Ventura, California 218 $ 93,528,000 $ 429,027 $ 80,000
Sarasota, Florida 218 $ 45,770,000 $ 209,954 $ 62,000
Frederick, Maryland 218 $ 56,654,000 $ 259,880 $ 62,000
Maui, Hawaii 215 $ 89,901,000 $ 418,144 $ 69,000
Spokane, Washington 215 $ 32,978,000 $ 153,386 $ 51,000
Solano, California 214 $ 75,520,000 $ 352,897 $ 89,000
Rockingham, New Hampshire 213 $ 52,008,000 $ 244,169 $ 71,000
Brazoria, Texas 212 $ 31,266,000 $ 147,481 $ 77,000
Lake, Florida 211 $ 41,308,000 $ 195,772 $ 82,000
Norfolk, Virginia 211 $ 36,303,000 $ 172,052 $ 56,000
Utah, Utah 210 $ 43,635,000 $ 207,785 $ 69,000
Mohave, Arizona 209 $ 39,954,000 $ 191,167 $ 75,000
Chesapeake, Virginia 206 $ 42,590,000 $ 206,747 $ 59,000
Galveston, Texas 204 $ 27,307,000 $ 133,857 $ 66,000
Arapahoe, Colorado 203 $ 40,203,000 $ 198,044 $ 64,000
Jefferson, Colorado 203 $ 40,366,000 $ 198,847 $ 66,000
Henrico, Virginia 202 $ 34,862,000 $ 172,584 $ 56,000
Bell, Texas 201 $ 21,179,000 $ 105,368 $ 50,000
Jefferson, Louisiana 199 $ 31,069,000 $ 156,125 $ 56,000
Madera, California 198 $ 47,893,000 $ 241,883 $ 56,000
Merced, California 198 $ 53,018,000 $ 267,767 $ 75,000
Guilford, North Carolina 198 $ 25,318,000 $ 127,868 $ 61,000
Washoe, Nevada 197 $ 51,312,000 $ 260,467 $ 140,000
Marion, Florida 196 $ 33,435,000 $ 170,586 $ 51,000
Charles, Maryland 194 $ 60,370,000 $ 311,185 $ 75,000
Sussex, Delaware 192 $ 38,851,000 $ 202,348 $ 54,000
Hamilton, Ohio 190 $ 25,897,000 $ 136,300 $ 59,000
Luzerne, Pennsylvania 188 $ 19,067,000 $ 101,420 $ 103,000
Nueces, Texas 188 $ 20,769,000 $ 110,473 $ 57,000
Johnson, Kansas 187 $ 32,633,000 $ 174,508 $ 81,000
Mecklenburg, North Carolina 185 $ 25,102,000 $ 135,686 $ 54,000
Webb, Texas 183 $ 22,011,000 $ 120,278 $ 57,000
Hampton, Virginia 181 $ 29,087,000 $ 160,701 $ 51,000
St. Charles, Missouri 178 $ 31,434,000 $ 176,595 $ 59,000
Newport News, Virginia 178 $ 30,330,000 $ 170,393 $ 56,000
Greene, Missouri 177 $ 19,500,000 $ 110,169 $ 45,000
Delaware, Pennsylvania 177 $ 27,608,000 $ 155,977 $ 168,000
Somerset, New Jersey 176 $ 54,210,000 $ 308,011 $ 82,000
Allen, Indiana 175 $ 16,738,000 $ 95,645 $ 45,000
Richmond City, Virginia 175 $ 21,589,000 $ 123,365 $ 46,000
Sandoval, New Mexico 174 $ 31,459,000 $ 180,798 $ 55,000
Dakota, Minnesota 173 $ 41,316,000 $ 238,820 $ 62,000
Sarpy, Nebraska 173 $ 25,390,000 $ 146,763 $ 68,000
Berks, Pennsylvania 171 $ 24,100,000 $ 140,935 $ 106,000
Montgomery, Pennsylvania 166 $ 33,637,000 $ 202,632 $ 168,000
Multnomah, Oregon 165 $ 35,553,000 $ 215,472 $ 62,000
East Baton Rouge, Louisiana 164 $ 20,236,000 $ 123,390 $ 43,000
Washington, Maryland 164 $ 34,957,000 $ 213,152 $ 60,000
Dona Ana, New Mexico 164 $ 24,309,000 $ 148,225 $ 63,000
Jefferson, Texas 164 $ 18,117,000 $ 110,469 $ 60,000
Loudoun, Virginia 164 $ 67,229,000 $ 409,932 $ 95,000
Barnstable, Massachusetts 163 $ 51,632,000 $ 316,760 $ 62,000
Rutherford, Tennessee 163 $ 24,187,000 $ 148,386 $ 55,000
Dauphin, Pennsylvania 161 $ 20,498,000 $ 127,316 $ 81,000
McLennan, Texas 161 $ 18,020,000 $ 111,925 $ 50,000
Lehigh, Pennsylvania 159 $ 22,736,000 $ 142,993 $ 126,000
Orleans, Louisiana 155 $ 24,457,000 $ 157,787 $ 54,000
Smith, Texas 155 $ 19,443,000 $ 125,438 $ 55,000
Wake, North Carolina 154 $ 25,775,000 $ 167,370 $ 71,000
Clark, Washington 153 $ 33,691,000 $ 220,202 $ 64,000
Pulaski, Arkansas 151 $ 17,764,000 $ 117,642 $ 61,000
Portsmouth, Virginia 151 $ 22,954,000 $ 152,013 $ 48,000
Wyandotte, Kansas 149 $ 15,749,000 $ 105,697 $ 52,000
Howard, Maryland 149 $ 48,771,000 $ 327,322 $ 73,000
Sussex, New Jersey 148 $ 39,277,000 $ 265,385 $ 80,000
Bucks, Pennsylvania 148 $ 33,519,000 $ 226,479 $ 134,000
Peoria, Illinois 145 $ 14,693,000 $ 101,331 $ 46,000
Lancaster, Pennsylvania 144 $ 20,723,000 $ 143,909 $ 113,000
Henry, Georgia 143 $ 23,843,000 $ 166,734 $ 62,000
Northampton, Pennsylvania 143 $ 24,374,000 $ 170,447 $ 155,000
Yavapai, Arizona 140 $ 27,187,000 $ 194,192 $ 90,000
Pueblo, Colorado 139 $ 15,347,000 $ 110,410 $ 48,000
Elkhart, Indiana 138 $ 14,214,000 $ 103,000 $ 43,000
Ingham, Michigan 138 $ 15,478,000 $ 112,159 $ 46,000
Clay, Missouri 135 $ 19,095,000 $ 141,444 $ 56,000
Escambia, Florida 134 $ 17,532,000 $ 130,835 $ 59,000
Johnson, Texas 134 $ 17,118,000 $ 127,746 $ 64,000
Kankakee, Illinois 133 $ 16,565,000 $ 124,548 $ 48,000
Hamilton, Tennessee 133 $ 18,332,000 $ 137,834 $ 45,000
Weber, Utah 133 $ 20,396,000 $ 153,353 $ 63,000
Clay, Florida 132 $ 24,869,000 $ 188,401 $ 68,000
Muskegon, Michigan 132 $ 13,264,000 $ 100,484 $ 41,000
Santa Fe, New Mexico 132 $ 31,411,000 $ 237,962 $ 61,000
Ellis, Texas 132 $ 18,603,000 $ 140,931 $ 64,000
Davis, Utah 131 $ 23,781,000 $ 181,534 $ 65,000
Yakima, Washington 131 $ 17,395,000 $ 132,786 $ 47,000
Kent, Delaware 130 $ 25,142,000 $ 193,400 $ 54,000
Summit, Ohio 130 $ 14,468,000 $ 111,292 $ 50,000
Spotsylvania, Virginia 130 $ 32,559,000 $ 250,453 $ 65,000
Weld, Colorado 129 $ 24,501,000 $ 189,930 $ 94,000
Litchfield, Connecticut 129 $ 28,857,000 $ 223,697 $ 62,000
LaSalle, Illinois 128 $ 17,363,000 $ 135,648 $ 50,000
Yuma, Arizona 127 $ 19,277,000 $ 151,787 $ 62,000
Lubbock, Texas 126 $ 14,129,000 $ 112,134 $ 56,000
Carroll, Maryland 125 $ 34,270,000 $ 274,160 $ 65,000
Wicomico, Maryland 125 $ 21,866,000 $ 174,928 $ 61,000
Monroe, Pennsylvania 124 $ 22,433,000 $ 180,911 $ 170,000
Hernando, Florida 122 $ 20,726,000 $ 169,885 $ 56,000
Rock Island, Illinois 121 $ 12,597,000 $ 104,107 $ 46,000
Knox, Tennessee 121 $ 15,837,000 $ 130,884 $ 43,000
Stafford, Virginia 119 $ 40,852,000 $ 343,294 $ 80,000
Fayette, Kentucky 118 $ 15,507,000 $ 131,415 $ 46,000
Merrimack, New Hampshire 118 $ 25,234,000 $ 213,847 $ 67,000
Chester, Pennsylvania 118 $ 26,312,000 $ 222,983 $ 144,000
San Mateo, California 117 $ 56,475,000 $ 482,692 $ 100,000
Champaign, Illinois 117 $ 12,932,000 $ 110,529 $ 48,000
Stark, Ohio 117 $ 13,242,000 $ 113,179 $ 55,000
Kendall, Illinois 116 $ 24,322,000 $ 209,672 $ 62,000
Montgomery, Ohio 116 $ 13,363,000 $ 115,198 $ 54,000
Hawaii, Hawaii 115 $ 36,357,000 $ 316,147 $ 76,000
Imperial, California 114 $ 24,026,000 $ 210,754 $ 69,000
Lackawanna, Pennsylvania 114 $ 13,648,000 $ 119,719 $ 90,000
Westmoreland, Pennsylvania 114 $ 14,303,000 $ 125,464 $ 134,000
Suffolk, Virginia 114 $ 23,002,000 $ 201,771 $ 58,000
St. Joseph, Indiana 113 $ 10,376,000 $ 91,823 $ 49,000
Cleveland, Oklahoma 112 $ 13,552,000 $ 121,000 $ 55,000
Windham, Connecticut 110 $ 25,367,000 $ 230,609 $ 58,000
Tazewell, Illinois 110 $ 10,977,000 $ 99,790 $ 48,000
Porter, Indiana 106 $ 13,487,000 $ 127,235 $ 64,000
Kaufman, Texas 106 $ 14,506,000 $ 136,849 $ 57,000
Paulding, Georgia 105 $ 16,297,000 $ 155,209 $ 60,000
Sherburne, Minnesota 105 $ 21,756,000 $ 207,200 $ 70,000
Forsyth, North Carolina 104 $ 12,409,000 $ 119,317 $ 50,000
Cuyahoga, Ohio 103 $ 10,734,000 $ 104,213 $ 58,000
Washington, Rhode Island 103 $ 27,263,000 $ 264,689 $ 71,000
Charlotte, Florida 102 $ 18,550,000 $ 181,862 $ 53,000
Washington, Minnesota 102 $ 21,397,000 $ 209,774 $ 61,000
Mesa, Colorado 101 $ 16,720,000 $ 165,544 $ 69,000
Ottawa, Michigan 101 $ 13,110,000 $ 129,801 $ 46,000
Midland, Texas 101 $ 10,031,000 $ 99,316 $ 60,000
Valencia, New Mexico 100 $ 15,214,000 $ 152,140 $ 49,000
Randall, Texas 100 $ 12,480,000 $ 124,800 $ 58,000
Santa Barbara, California 99 $ 35,108,000 $ 354,626 $ 72,000
Cape May, New Jersey 99 $ 23,852,000 $ 240,929 $ 81,000
Kings, California 98 $ 17,023,000 $ 173,704 $ 74,000
Kitsap, Washington 98 $ 21,932,000 $ 223,795 $ 59,000
McLean, Illinois 97 $ 11,235,000 $ 115,824 $ 50,000
Benton, Arkansas 96 $ 16,346,000 $ 170,270 $ 66,000
Washington, Oregon 96 $ 22,468,000 $ 234,041 $ 214,000
Thurston, Washington 96 $ 21,737,000 $ 226,427 $ 70,000
Sonoma, California 95 $ 36,508,000 $ 384,294 $ 104,000
Middlesex, Connecticut 95 $ 22,350,000 $ 235,263 $ 58,000
Sangamon, Illinois 95 $ 9,846,000 $ 103,642 $ 45,000
Douglas, Georgia 94 $ 16,078,000 $ 171,042 $ 49,000
Boone, Illinois 94 $ 15,295,000 $ 162,712 $ 53,000
Chatham, Georgia 93 $ 13,226,000 $ 142,215 $ 63,000
Cecil, Maryland 93 $ 20,475,000 $ 220,161 $ 61,000
Strafford, New Hampshire 92 $ 18,181,000 $ 197,619 $ 57,000
Larimer, Colorado 91 $ 17,287,000 $ 189,967 $ 70,000
Jackson, Michigan 91 $ 9,736,000 $ 106,989 $ 45,000
Okaloosa, Florida 90 $ 15,935,000 $ 177,055 $ 73,000
Rockwall, Texas 90 $ 16,733,000 $ 185,922 $ 80,000
Warren, New Jersey 89 $ 22,422,000 $ 251,932 $ 70,000
Berrien, Michigan 88 $ 9,398,000 $ 106,795 $ 41,000
Kalamazoo, Michigan 88 $ 9,543,000 $ 108,443 $ 55,000
Butler, Ohio 88 $ 12,774,000 $ 145,159 $ 62,000
Washington, Utah 88 $ 20,300,000 $ 230,681 $ 90,000
Lucas, Ohio 87 $ 10,310,000 $ 118,505 $ 55,000
Marion, Oregon 87 $ 15,827,000 $ 181,919 $ 52,000
Richmond, Georgia 86 $ 9,566,000 $ 111,232 $ 45,000
Erie, Pennsylvania 86 $ 8,967,000 $ 104,267 $ 135,000
Frederick, Virginia 86 $ 21,045,000 $ 244,709 $ 63,000
DeKalb, Illinois 85 $ 13,670,000 $ 160,823 $ 52,000
St. Mary's, Maryland 85 $ 24,854,000 $ 292,400 $ 65,000
Cumberland, North Carolina 85 $ 9,805,000 $ 115,352 $ 46,000
Parker, Texas 85 $ 14,259,000 $ 167,752 $ 73,000
Cochise, Arizona 84 $ 9,898,000 $ 117,833 $ 55,000
Newton, Georgia 84 $ 11,610,000 $ 138,214 $ 51,000
St. Tammany, Louisiana 82 $ 13,274,000 $ 161,878 $ 55,000
Saginaw, Michigan 82 $ 8,105,000 $ 98,841 $ 42,000
Franklin, Missouri 82 $ 10,554,000 $ 128,707 $ 50,000
St. Louis, Minnesota 81 $ 11,202,000 $ 138,296 $ 47,000
Wright, Minnesota 81 $ 18,372,000 $ 226,814 $ 81,000
Shawnee, Kansas 80 $ 8,802,000 $ 110,025 $ 49,000
Stearns, Minnesota 80 $ 11,504,000 $ 143,800 $ 48,000
Racine, Wisconsin 80 $ 12,233,000 $ 152,912 $ 58,000
Scott, Minnesota 79 $ 19,874,000 $ 251,569 $ 59,000
Roanoke City, Virginia 79 $ 8,602,000 $ 108,886 $ 41,000
Dane, Wisconsin 79 $ 15,679,000 $ 198,468 $ 69,000
Santa Cruz, Arizona 78 $ 9,354,000 $ 119,923 $ 51,000
LaPorte, Indiana 78 $ 7,456,000 $ 95,589 $ 42,000
Grafton, New Hampshire 78 $ 16,998,000 $ 217,923 $ 64,000
Douglas, Colorado 77 $ 21,244,000 $ 275,896 $ 83,000
Cheshire, New Hampshire 77 $ 13,544,000 $ 175,896 $ 81,000
Guadalupe, Texas 77 $ 10,126,000 $ 131,506 $ 67,000
Monroe, Michigan 76 $ 11,321,000 $ 148,960 $ 53,000
Bibb, Georgia 75 $ 8,553,000 $ 114,040 $ 45,000
Calvert, Maryland 75 $ 21,681,000 $ 289,080 $ 66,000
Hall, Nebraska 75 $ 7,397,000 $ 98,626 $ 45,000
Indian River, Florida 74 $ 14,253,000 $ 192,608 $ 61,000
Leon, Florida 74 $ 12,203,000 $ 164,905 $ 56,000
Muscogee, Georgia 74 $ 9,617,000 $ 129,959 $ 55,000
Caddo, Louisiana 74 $ 9,438,000 $ 127,540 $ 42,000
Martin, Florida 73 $ 17,974,000 $ 246,219 $ 58,000
St. Clair, Michigan 73 $ 10,689,000 $ 146,424 $ 61,000
Chaves, New Mexico 73 $ 7,916,000 $ 108,438 $ 151,000
Lane, Oregon 73 $ 13,123,000 $ 179,767 $ 49,000
St. Francois, Missouri 72 $ 7,737,000 $ 107,458 $ 41,000
Jackson, Oregon 72 $ 17,472,000 $ 242,666 $ 68,000
Placer, California 71 $ 26,352,000 $ 371,154 $ 106,000
Beaver, Pennsylvania 71 $ 7,530,000 $ 106,056 $ 127,000
St. Johns, Florida 70 $ 15,472,000 $ 221,028 $ 72,000
Coweta, Georgia 70 $ 10,021,000 $ 143,157 $ 56,000
Hall, Georgia 70 $ 10,742,000 $ 153,457 $ 50,000
Christian, Missouri 70 $ 12,044,000 $ 172,057 $ 54,000
Eddy, New Mexico 70 $ 7,712,000 $ 110,171 $ 56,000
Benton, Washington 70 $ 11,588,000 $ 165,542 $ 56,000
Kenton, Kentucky 69 $ 8,644,000 $ 125,275 $ 45,000
Gregg, Texas 69 $ 7,493,000 $ 108,594 $ 59,000
Jasper, Missouri 68 $ 6,814,000 $ 100,205 $ 46,000
San Juan, New Mexico 68 $ 11,570,000 $ 170,147 $ 78,000
Richland, South Carolina 68 $ 9,865,000 $ 145,073 $ 49,000
Taylor, Texas 68 $ 6,542,000 $ 96,205 $ 59,000
San Francisco, California 67 $ 30,486,000 $ 455,014 $ 100,000
Alachua, Florida 67 $ 12,402,000 $ 185,104 $ 67,000
Flagler, Florida 67 $ 13,685,000 $ 204,253 $ 60,000
Carroll, Georgia 67 $ 8,795,000 $ 131,268 $ 55,000
Kauai, Hawaii 67 $ 25,201,000 $ 376,134 $ 69,000
Washtenaw, Michigan 67 $ 11,552,000 $ 172,417 $ 60,000
Cass, Missouri 67 $ 9,520,000 $ 142,089 $ 50,000
Durham, North Carolina 67 $ 9,255,000 $ 138,134 $ 54,000
Franklin, Pennsylvania 67 $ 11,631,000 $ 173,597 $ 146,000
Hays, Texas 67 $ 10,867,000 $ 162,194 $ 83,000
Hunt, Texas 67 $ 8,898,000 $ 132,805 $ 57,000
Wichita, Texas 67 $ 6,241,000 $ 93,149 $ 46,000
Hardin, Kentucky 66 $ 8,261,000 $ 125,166 $ 43,000
Lea, New Mexico 66 $ 6,814,000 $ 103,242 $ 59,000
Pike, Pennsylvania 66 $ 10,560,000 $ 160,000 $ 105,000
Sumner, Tennessee 66 $ 9,529,000 $ 144,378 $ 57,000
Kenosha, Wisconsin 66 $ 9,663,000 $ 146,409 $ 51,000
Brazos, Texas 65 $ 8,654,000 $ 133,138 $ 60,000
Franklin, Washington 65 $ 8,329,000 $ 128,138 $ 45,000
Vanderburgh, Indiana 64 $ 5,442,000 $ 85,031 $ 42,000
Livingston, Michigan 64 $ 11,941,000 $ 186,578 $ 64,000
Cumberland, Pennsylvania 64 $ 9,514,000 $ 148,656 $ 118,000
Schuylkill, Pennsylvania 64 $ 6,399,000 $ 99,984 $ 128,000
Grayson, Texas 64 $ 7,389,000 $ 115,453 $ 56,000
Waukesha, Wisconsin 64 $ 12,773,000 $ 199,578 $ 71,000
Tolland, Connecticut 63 $ 14,246,000 $ 226,126 $ 71,000
Highlands, Florida 63 $ 9,969,000 $ 158,238 $ 47,000
Madison, Indiana 63 $ 5,504,000 $ 87,365 $ 43,000
Buchanan, Missouri 63 $ 6,352,000 $ 100,825 $ 38,000
Belknap, New Hampshire 63 $ 12,975,000 $ 205,952 $ 63,000
Comanche, Oklahoma 63 $ 6,873,000 $ 109,095 $ 55,000
Fayette, Pennsylvania 63 $ 5,956,000 $ 94,539 $ 87,000
Manassas, Virginia 63 $ 21,693,000 $ 344,333 $ 70,000
Rock, Wisconsin 63 $ 8,167,000 $ 129,634 $ 53,000
Johnson, Indiana 62 $ 6,825,000 $ 110,080 $ 55,000
Hunterdon, New Jersey 62 $ 19,453,000 $ 313,758 $ 88,000
Bay, Florida 61 $ 10,437,000 $ 171,098 $ 60,000
Hamilton, Indiana 61 $ 9,066,000 $ 148,622 $ 53,000
Licking, Ohio 61 $ 8,719,000 $ 142,934 $ 79,000
Clackamas, Oregon 61 $ 15,099,000 $ 247,524 $ 64,000
Horry, South Carolina 61 $ 10,039,000 $ 164,573 $ 54,000
Washington, Arkansas 60 $ 7,780,000 $ 129,666 $ 54,000
Santa Rosa, Florida 60 $ 10,962,000 $ 182,700 $ 58,000
Cherokee, Georgia 60 $ 12,605,000 $ 210,083 $ 88,000
Worcester, Maryland 60 $ 11,591,000 $ 193,183 $ 48,000
Salem, New Jersey 60 $ 10,108,000 $ 168,466 $ 72,000
Mahoning, Ohio 60 $ 5,923,000 $ 98,716 $ 58,000
Trumbull, Ohio 60 $ 7,270,000 $ 121,166 $ 61,000
Henderson, Texas 60 $ 6,774,000 $ 112,900 $ 55,000
Howard, Indiana 59 $ 5,431,000 $ 92,050 $ 50,000
Calhoun, Michigan 59 $ 5,472,000 $ 92,745 $ 48,000
Boone, Missouri 59 $ 8,278,000 $ 140,305 $ 44,000
Potter, Texas 59 $ 5,521,000 $ 93,576 $ 54,000
Olmsted, Minnesota 58 $ 9,262,000 $ 159,689 $ 50,000
Lincoln, Nebraska 58 $ 5,903,000 $ 101,775 $ 50,000
Citrus, Florida 57 $ 11,037,000 $ 193,631 $ 70,000
Tippecanoe, Indiana 57 $ 6,035,000 $ 105,877 $ 54,000
Isanti, Minnesota 57 $ 12,090,000 $ 212,105 $ 54,000
Lincoln, Missouri 57 $ 8,368,000 $ 146,807 $ 49,000
Madison, Tennessee 57 $ 6,028,000 $ 105,754 $ 49,000
Montgomery, Tennessee 57 $ 6,909,000 $ 121,210 $ 63,000
Comal, Texas 57 $ 8,908,000 $ 156,280 $ 61,000
Roanoke, Virginia 57 $ 9,410,000 $ 165,087 $ 60,000
Forsyth, Georgia 56 $ 12,350,000 $ 220,535 $ 69,000
Whiteside, Illinois 56 $ 5,162,000 $ 92,178 $ 48,000
Washington, Pennsylvania 56 $ 6,919,000 $ 123,553 $ 110,000
Greenville, South Carolina 56 $ 6,758,000 $ 120,678 $ 46,000
Bowie, Texas 56 $ 6,571,000 $ 117,339 $ 55,000
Canadian, Oklahoma 55 $ 6,844,000 $ 124,436 $ 53,000
Walton, Georgia 54 $ 8,532,000 $ 158,000 $ 52,000
Clark, Indiana 54 $ 5,772,000 $ 106,888 $ 56,000
Gaston, North Carolina 54 $ 5,958,000 $ 110,333 $ 47,000
Warren, Virginia 54 $ 12,734,000 $ 235,814 $ 68,000
Bullitt, Kentucky 53 $ 7,299,000 $ 137,716 $ 51,000
Eaton, Michigan 53 $ 6,891,000 $ 130,018 $ 52,000
Augusta, Virginia 53 $ 8,789,000 $ 165,830 $ 47,000
Skagit, Washington 53 $ 11,871,000 $ 223,981 $ 67,000
Warren, Ohio 52 $ 7,930,000 $ 152,500 $ 78,000
Minnehaha, South Dakota 52 $ 7,512,000 $ 144,461 $ 52,000
Henry, Virginia 52 $ 5,931,000 $ 114,057 $ 48,000
Macon, Illinois 51 $ 5,116,000 $ 100,313 $ 49,000
Leavenworth, Kansas 51 $ 6,699,000 $ 131,352 $ 52,000
Buffalo, Nebraska 51 $ 5,709,000 $ 111,941 $ 45,000
Butler, Pennsylvania 51 $ 7,643,000 $ 149,862 $ 95,000
Newport, Rhode Island 51 $ 15,804,000 $ 309,882 $ 88,000
Culpeper, Virginia 51 $ 13,092,000 $ 256,705 $ 63,000
Fauquier, Virginia 51 $ 14,871,000 $ 291,588 $ 71,000
Houston, Georgia 50 $ 6,247,000 $ 124,940 $ 44,000
Kosciusko, Indiana 50 $ 5,650,000 $ 113,000 $ 53,000
Allegany, Maryland 50 $ 6,000,000 $ 120,000 $ 41,000
Franklin, Massachusetts 50 $ 8,849,000 $ 176,980 $ 55,000
Crow Wing, Minnesota 50 $ 8,505,000 $ 170,100 $ 40,000
Platte, Missouri 50 $ 8,020,000 $ 160,400 $ 51,000
Dakota, Nebraska 50 $ 5,208,000 $ 104,160 $ 46,000
Scotts Bluff, Nebraska 50 $ 5,753,000 $ 115,060 $ 61,000
Davidson, North Carolina 50 $ 6,428,000 $ 128,560 $ 47,000
Adams, Pennsylvania 50 $ 8,793,000 $ 175,860 $ 80,000
Lebanon, Pennsylvania 50 $ 7,054,000 $ 141,080 $ 142,000
Barrow, Georgia 49 $ 6,825,000 $ 139,285 $ 52,000
Montcalm, Michigan 49 $ 4,064,000 $ 82,938 $ 37,000
St. Joseph, Michigan 49 $ 5,088,000 $ 103,836 $ 39,000
Cabarrus, North Carolina 49 $ 8,276,000 $ 168,897 $ 58,000
Northumberland, Pennsylvania 49 $ 4,585,000 $ 93,571 $ 145,000
Tom Green, Texas 49 $ 5,628,000 $ 114,857 $ 50,000
San Luis Obispo, California 48 $ 18,767,000 $ 390,979 $ 103,000
Boulder, Colorado 48 $ 12,463,000 $ 259,645 $ 63,000
Otero, New Mexico 48 $ 5,294,000 $ 110,291 $ 50,000
Rogers, Oklahoma 48 $ 6,416,000 $ 133,666 $ 65,000
Ector, Texas 48 $ 6,127,000 $ 127,645 $ 78,000
Tooele, Utah 48 $ 7,604,000 $ 158,416 $ 58,000
Shasta, California 47 $ 12,101,000 $ 257,468 $ 123,000
Hendricks, Indiana 47 $ 6,035,000 $ 128,404 $ 55,000
Warren, Kentucky 47 $ 5,722,000 $ 121,744 $ 47,000
St. John the Baptist, Louisiana 47 $ 6,298,000 $ 134,000 $ 79,000
Van Buren, Michigan 47 $ 6,117,000 $ 130,148 $ 51,000
Sullivan, New Hampshire 47 $ 8,316,000 $ 176,936 $ 53,000
Charleston, South Carolina 47 $ 7,164,000 $ 152,425 $ 45,000
Cache, Utah 47 $ 7,710,000 $ 164,042 $ 53,000
Hanover, Virginia 47 $ 9,410,000 $ 200,212 $ 53,000
Pittsylvania, Virginia 47 $ 4,927,000 $ 104,829 $ 49,000
Santa Cruz, California 46 $ 18,838,000 $ 409,521 $ 65,000
Rockdale, Georgia 46 $ 8,833,000 $ 192,021 $ 51,000
Coles, Illinois 46 $ 4,531,000 $ 98,500 $ 47,000
Caroline, Maryland 46 $ 10,073,000 $ 218,978 $ 56,000
Berkshire, Massachusetts 46 $ 7,736,000 $ 168,173 $ 63,000
Crawford, Pennsylvania 46 $ 4,396,000 $ 95,565 $ 90,000
Cowlitz, Washington 46 $ 7,694,000 $ 167,260 $ 52,000
Whatcom, Washington 46 $ 10,467,000 $ 227,543 $ 61,000
Bay, Michigan 45 $ 4,949,000 $ 109,977 $ 44,000
Rice, Minnesota 45 $ 8,856,000 $ 196,800 $ 62,000
Carbon, Pennsylvania 45 $ 5,868,000 $ 130,400 $ 115,000
Victoria, Texas 45 $ 5,407,000 $ 120,155 $ 52,000
Grundy, Illinois 44 $ 7,306,000 $ 166,045 $ 61,000
Lapeer, Michigan 44 $ 6,715,000 $ 152,613 $ 48,000
Coryell, Texas 44 $ 5,220,000 $ 118,636 $ 53,000
Liberty, Texas 44 $ 4,682,000 $ 106,409 $ 60,000
Louisa, Virginia 44 $ 10,878,000 $ 247,227 $ 58,000
Butte, California 43 $ 8,636,000 $ 200,837 $ 61,000
Yolo, California 43 $ 14,431,000 $ 335,604 $ 61,000
Ogle, Illinois 43 $ 5,574,000 $ 129,627 $ 51,000
Stephenson, Illinois 43 $ 4,709,000 $ 109,511 $ 44,000
Hampshire, Massachusetts 43 $ 7,283,000 $ 169,372 $ 52,000
Otter Tail, Minnesota 43 $ 6,490,000 $ 150,930 $ 57,000
Lawrence, Pennsylvania 43 $ 4,175,000 $ 97,093 $ 80,000
Lycoming, Pennsylvania 43 $ 4,610,000 $ 107,209 $ 103,000
Wood, Texas 43 $ 4,213,000 $ 97,976 $ 47,000
Orange, Virginia 43 $ 9,740,000 $ 226,511 $ 59,000
Washington, Wisconsin 43 $ 7,808,000 $ 181,581 $ 65,000
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Mortgage Loan Application Detail Totals for First Nlc Financial Services, 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 132,949 $25,528,228,000 $192,000 $3,000,000 $64,000 $4,320,000
Home Purchase 16,578 $3,044,643,000 $183,000 $2,700,000 $77,000 $8,474,000
Home Improvement 36 $5,610,000 $155,000 $600,000 $66,000 $1,200,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 63,813 $11,444,432,000 $179,000 $3,000,000 $69,000 $8,474,000
Not Provided 37,993 $7,901,906,000 $207,000 $2,850,000 $64,000 $4,831,000
Black or African American 24,110 $4,058,100,000 $168,000 $3,000,000 $60,000 $4,320,000
Hispanic 19,761 $4,190,186,000 $212,000 $2,240,000 $65,000 $2,592,000
Asian 2,282 $602,286,000 $263,000 $1,500,000 $90,000 $3,036,000
Native Hawaiian or Other Pacific Islander 842 $217,283,000 $258,000 $1,300,000 $75,000 $1,291,000
American Indian or Alaskan Native 762 $164,288,000 $215,000 $1,200,000 $67,000 $720,000
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) 149,563 $28,578,481,000 $191,000 $3,000,000 $66,000 $8,474,000
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 Withdrawn By Applicant 81,677 $15,866,962,000 $194,000 $3,000,000 $64,000 $5,160,000
File Closed For Incompleteness 33,539 $6,503,324,000 $193,000 $2,240,000 $61,000 $3,600,000
Loan Originated 12,652 $2,086,038,000 $164,000 $2,000,000 $73,000 $8,474,000
Application Approved But Not Accepted 11,514 $2,222,610,000 $193,000 $1,966,000 $86,000 $4,394,000
Application Denied By Financial Institution 10,086 $1,885,942,000 $186,000 $3,000,000 $66,000 $3,466,000
Loan Purchased By The Institution 95 $13,605,000 $143,000 $526,000 $78,000 $363,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Nlc Financial Services,'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 First Nlc Financial Services,'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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