First Nlc Financial Services, Mortgage Lending & HMDA Data, 2005

In 2005, First Nlc Financial Services, of Boca Raton, FL reported 146,732 mortgage applications totaling $24.7 billion, up 265% from 2004. The average application was for $168,390, and applicants reported an average income of $50,325. 22% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (12,026), Riverside-San Bernardino-Ontario, CA (5,825) and Los Angeles-Long Beach-Glendale, CA (5,157) (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 146,732
Total Mortgage Loan Application Amount $24,708,309,000
Average Mortgage Loan Application Amount $168,390
Highest Mortgage Loan Application Amount $65,280,000
Average Applicant Income $50,325
Highest Applicant Income $5,760,000

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records First Nlc Financial Services, filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 7,960 $ 1,262,804,000 $ 158,643 $ 67,000
Los Angeles, California 5,157 $ 1,411,556,000 $ 273,716 $ 94,000
Maricopa, Arizona 4,322 $ 649,496,000 $ 150,276 $ 64,000
Miami-Dade, Florida 4,020 $ 641,380,000 $ 159,547 $ 79,000
Riverside, California 2,987 $ 789,455,000 $ 264,296 $ 92,000
San Bernardino, California 2,838 $ 578,758,000 $ 203,931 $ 77,000
Clark, Nevada 2,579 $ 514,379,000 $ 199,449 $ 69,000
Broward, Florida 2,503 $ 406,232,000 $ 162,298 $ 70,000
Wayne, Michigan 2,279 $ 229,708,000 $ 100,793 $ 40,000
Sacramento, California 2,238 $ 508,808,000 $ 227,349 $ 78,000
San Diego, California 2,184 $ 665,141,000 $ 304,551 $ 106,000
Harris, Texas 2,102 $ 224,003,000 $ 106,566 $ 36,000
Providence, Rhode Island 1,596 $ 286,504,000 $ 179,513 $ 53,000
Dallas, Texas 1,478 $ 173,740,000 $ 117,550 $ 33,000
Orange, California 1,457 $ 457,305,000 $ 313,867 $ 122,000
Orange, Florida 1,423 $ 204,053,000 $ 143,396 $ 50,000
Fresno, California 1,375 $ 218,046,000 $ 158,578 $ 78,000
Prince George's, Maryland 1,358 $ 293,744,000 $ 216,306 $ 59,000
Hillsborough, Florida 1,318 $ 172,203,000 $ 130,654 $ 53,000
Will, Illinois 1,273 $ 202,322,000 $ 158,933 $ 56,000
Milwaukee, Wisconsin 1,212 $ 134,495,000 $ 110,969 $ 39,000
Tarrant, Texas 1,203 $ 133,339,000 $ 110,838 $ 33,000
San Joaquin, California 1,198 $ 297,892,000 $ 248,657 $ 87,000
Duval, Florida 1,178 $ 139,483,000 $ 118,406 $ 42,000
Kern, California 1,132 $ 175,310,000 $ 154,867 $ 64,000
Shelby, Tennessee 1,119 $ 104,366,000 $ 93,267 $ 41,000
Kane, Illinois 1,062 $ 157,751,000 $ 148,541 $ 51,000
Palm Beach, Florida 981 $ 181,138,000 $ 184,646 $ 73,000
DuPage, Illinois 942 $ 169,044,000 $ 179,452 $ 55,000
Contra Costa, California 936 $ 282,185,000 $ 301,479 $ 101,000
Hennepin, Minnesota 879 $ 160,085,000 $ 182,121 $ 45,000
Lake, Illinois 855 $ 143,112,000 $ 167,382 $ 49,000
Stanislaus, California 852 $ 184,412,000 $ 216,446 $ 76,000
Pinellas, Florida 822 $ 112,746,000 $ 137,160 $ 55,000
Oakland, Michigan 794 $ 123,731,000 $ 155,832 $ 57,000
Santa Clara, California 770 $ 264,670,000 $ 343,727 $ 111,000
Hartford, Connecticut 761 $ 114,699,000 $ 150,721 $ 46,000
Lake, Indiana 755 $ 70,288,000 $ 93,096 $ 31,000
Marion, Indiana 752 $ 70,188,000 $ 93,335 $ 28,000
Alameda, California 738 $ 237,521,000 $ 321,844 $ 110,000
Volusia, Florida 729 $ 100,058,000 $ 137,253 $ 46,000
Philadelphia, Pennsylvania 723 $ 75,522,000 $ 104,456 $ 41,000
Lee, Florida 718 $ 102,508,000 $ 142,768 $ 57,000
Douglas, Nebraska 717 $ 75,575,000 $ 105,404 $ 31,000
Pierce, Washington 689 $ 123,908,000 $ 179,837 $ 54,000
King, Washington 687 $ 169,410,000 $ 246,593 $ 83,000
Baltimore, Maryland 680 $ 116,282,000 $ 171,002 $ 50,000
Hampden, Massachusetts 662 $ 85,459,000 $ 129,092 $ 47,000
Monroe, Pennsylvania 646 $ 90,053,000 $ 139,400 $ 50,000
Worcester, Massachusetts 644 $ 112,513,000 $ 174,709 $ 59,000
Baltimore City, Maryland 631 $ 64,478,000 $ 102,183 $ 44,000
Macomb, Michigan 623 $ 82,127,000 $ 131,825 $ 54,000
New Haven, Connecticut 621 $ 103,121,000 $ 166,056 $ 50,000
Solano, California 611 $ 170,205,000 $ 278,567 $ 98,000
Fulton, Georgia 610 $ 88,826,000 $ 145,616 $ 60,000
Orleans, Louisiana 603 $ 67,762,000 $ 112,374 $ 31,000
Tulare, California 593 $ 86,218,000 $ 145,392 $ 57,000
DeKalb, Georgia 576 $ 72,331,000 $ 125,574 $ 37,000
Allegheny, Pennsylvania 558 $ 55,447,000 $ 99,367 $ 41,000
Montgomery, Maryland 555 $ 152,115,000 $ 274,081 $ 64,000
Collin, Texas 513 $ 83,497,000 $ 162,762 $ 50,000
Pasco, Florida 484 $ 61,089,000 $ 126,216 $ 49,000
Kent, Michigan 471 $ 47,458,000 $ 100,760 $ 29,000
Brevard, Florida 468 $ 70,210,000 $ 150,021 $ 56,000
Davidson, Tennessee 445 $ 44,801,000 $ 100,676 $ 32,000
Adams, Colorado 442 $ 80,009,000 $ 181,015 $ 46,000
Jefferson, Louisiana 442 $ 53,199,000 $ 120,359 $ 46,000
McHenry, Illinois 441 $ 77,379,000 $ 175,462 $ 54,000
Seminole, Florida 419 $ 61,458,000 $ 146,677 $ 58,000
Fairfield, Connecticut 417 $ 108,116,000 $ 259,270 $ 70,000
Polk, Florida 409 $ 47,588,000 $ 116,352 $ 51,000
Denver, Colorado 402 $ 67,043,000 $ 166,773 $ 53,000
St. Lucie, Florida 388 $ 57,310,000 $ 147,706 $ 68,000
Merced, California 381 $ 81,044,000 $ 212,713 $ 73,000
Genesee, Michigan 380 $ 39,902,000 $ 105,005 $ 37,000
Cobb, Georgia 379 $ 58,593,000 $ 154,598 $ 48,000
Snohomish, Washington 369 $ 82,718,000 $ 224,168 $ 62,000
Marion, Florida 357 $ 43,319,000 $ 121,341 $ 37,000
Bristol, Massachusetts 347 $ 71,199,000 $ 205,184 $ 51,000
Lake, Florida 346 $ 48,690,000 $ 140,722 $ 44,000
Anoka, Minnesota 344 $ 55,580,000 $ 161,569 $ 33,000
Plymouth, Massachusetts 341 $ 78,158,000 $ 229,202 $ 58,000
Osceola, Florida 339 $ 48,897,000 $ 144,238 $ 48,000
Middlesex, Massachusetts 332 $ 87,725,000 $ 264,231 $ 71,000
Arapahoe, Colorado 325 $ 61,162,000 $ 188,190 $ 48,000
Escambia, Florida 325 $ 36,288,000 $ 111,655 $ 44,000
Ramsey, Minnesota 325 $ 54,761,000 $ 168,495 $ 34,000
Pima, Arizona 323 $ 43,579,000 $ 134,919 $ 51,000
Pinal, Arizona 321 $ 45,577,000 $ 141,984 $ 48,000
Franklin, Ohio 320 $ 36,350,000 $ 113,593 $ 38,000
Hernando, Florida 319 $ 45,128,000 $ 141,467 $ 47,000
Essex, Massachusetts 319 $ 74,558,000 $ 233,724 $ 63,000
Madera, California 316 $ 54,018,000 $ 170,943 $ 59,000
Denton, Texas 314 $ 45,460,000 $ 144,777 $ 36,000
Spokane, Washington 311 $ 37,380,000 $ 120,192 $ 27,000
Sonoma, California 303 $ 91,291,000 $ 301,290 $ 102,000
Fairfax, Virginia 299 $ 81,746,000 $ 273,397 $ 69,000
El Paso, Colorado 283 $ 42,623,000 $ 150,611 $ 35,000
Multnomah, Oregon 281 $ 49,107,000 $ 174,758 $ 56,000
Prince William, Virginia 277 $ 65,162,000 $ 235,241 $ 73,000
Lancaster, Nebraska 275 $ 31,755,000 $ 115,472 $ 26,000
Fort Bend, Texas 274 $ 32,358,000 $ 118,094 $ 32,000
Guilford, North Carolina 271 $ 26,084,000 $ 96,250 $ 52,000
Anne Arundel, Maryland 270 $ 60,837,000 $ 225,322 $ 60,000
Dakota, Minnesota 269 $ 54,292,000 $ 201,828 $ 33,000
Rock, Wisconsin 269 $ 28,001,000 $ 104,092 $ 38,000
Allen, Indiana 264 $ 20,867,000 $ 79,041 $ 31,000
Monterey, California 261 $ 77,804,000 $ 298,099 $ 111,000
Ventura, California 257 $ 89,828,000 $ 349,525 $ 88,000
Kent, Rhode Island 252 $ 45,274,000 $ 179,658 $ 45,000
Collier, Florida 249 $ 51,983,000 $ 208,767 $ 68,000
Suffolk, Massachusetts 248 $ 65,783,000 $ 265,254 $ 71,000
Mecklenburg, North Carolina 242 $ 24,309,000 $ 100,450 $ 72,000
Gwinnett, Georgia 240 $ 33,139,000 $ 138,079 $ 58,000
Clark, Washington 240 $ 45,734,000 $ 190,558 $ 38,000
Dane, Wisconsin 234 $ 34,079,000 $ 145,636 $ 57,000
St. Joseph, Indiana 232 $ 20,192,000 $ 87,034 $ 29,000
York, Pennsylvania 229 $ 32,523,000 $ 142,021 $ 38,000
Placer, California 228 $ 72,632,000 $ 318,561 $ 119,000
Imperial, California 226 $ 36,999,000 $ 163,712 $ 59,000
Racine, Wisconsin 226 $ 26,808,000 $ 118,619 $ 42,000
Washoe, Nevada 225 $ 56,136,000 $ 249,493 $ 51,000
Jefferson, Colorado 222 $ 50,274,000 $ 226,459 $ 70,000
Muskegon, Michigan 222 $ 19,820,000 $ 89,279 $ 32,000
Hamilton, Tennessee 221 $ 21,733,000 $ 98,339 $ 47,000
Honolulu, Hawaii 211 $ 70,850,000 $ 335,781 $ 26,000
New London, Connecticut 209 $ 35,189,000 $ 168,368 $ 37,000
Weld, Colorado 206 $ 35,676,000 $ 173,184 $ 34,000
Ingham, Michigan 206 $ 19,970,000 $ 96,941 $ 27,000
Ada, Idaho 205 $ 30,239,000 $ 147,507 $ 34,000
Peoria, Illinois 205 $ 18,101,000 $ 88,297 $ 44,000
Frederick, Maryland 205 $ 47,638,000 $ 232,380 $ 52,000
Brown, Wisconsin 204 $ 23,227,000 $ 113,857 $ 31,000
Pueblo, Colorado 202 $ 22,762,000 $ 112,683 $ 36,000
Chesterfield, Virginia 198 $ 28,672,000 $ 144,808 $ 47,000
Wake, North Carolina 195 $ 24,090,000 $ 123,538 $ 62,000
Pike, Pennsylvania 193 $ 25,601,000 $ 132,647 $ 56,000
Kankakee, Illinois 191 $ 19,028,000 $ 99,623 $ 40,000
Yolo, California 190 $ 45,944,000 $ 241,810 $ 80,000
Sarasota, Florida 190 $ 36,309,000 $ 191,100 $ 68,000
Dauphin, Pennsylvania 189 $ 21,200,000 $ 112,169 $ 29,000
Luzerne, Pennsylvania 187 $ 18,476,000 $ 98,802 $ 26,000
Suffolk, New York 184 $ 41,720,000 $ 226,739 $ 145,000
Marion, Oregon 182 $ 26,071,000 $ 143,247 $ 27,000
East Baton Rouge, Louisiana 181 $ 20,802,000 $ 114,928 $ 34,000
Virginia Beach, Virginia 178 $ 28,837,000 $ 162,005 $ 37,000
Windham, Connecticut 176 $ 26,354,000 $ 149,738 $ 43,000
Rutherford, Tennessee 176 $ 19,794,000 $ 112,465 $ 39,000
Canyon, Idaho 174 $ 18,066,000 $ 103,827 $ 28,000
Kenosha, Wisconsin 173 $ 22,158,000 $ 128,080 $ 39,000
Kitsap, Washington 171 $ 32,056,000 $ 187,461 $ 52,000
Norfolk, Massachusetts 170 $ 50,599,000 $ 297,641 $ 55,000
Sangamon, Illinois 169 $ 14,661,000 $ 86,751 $ 23,000
Montgomery, Pennsylvania 168 $ 29,927,000 $ 178,136 $ 76,000
Butte, California 167 $ 27,785,000 $ 166,377 $ 59,000
Knox, Tennessee 167 $ 15,720,000 $ 94,131 $ 32,000
Kings, California 166 $ 24,242,000 $ 146,036 $ 44,000
Delaware, Pennsylvania 166 $ 22,977,000 $ 138,415 $ 40,000
Thurston, Washington 166 $ 28,673,000 $ 172,728 $ 62,000
Maui, Hawaii 165 $ 72,640,000 $ 440,242 $ 94,000
Polk, Iowa 164 $ 16,371,000 $ 99,823 $ 29,000
Muscogee, Georgia 162 $ 15,850,000 $ 97,839 $ 30,000
Vanderburgh, Indiana 161 $ 12,764,000 $ 79,279 $ 25,000
Litchfield, Connecticut 159 $ 25,952,000 $ 163,220 $ 35,000
Saginaw, Michigan 159 $ 14,481,000 $ 91,075 $ 27,000
Monmouth, New Jersey 159 $ 45,400,000 $ 285,534 $ 65,000
Leon, Florida 158 $ 21,746,000 $ 137,632 $ 41,000
Elkhart, Indiana 158 $ 15,132,000 $ 95,772 $ 28,000
Harford, Maryland 158 $ 29,593,000 $ 187,297 $ 56,000
Erie, Pennsylvania 156 $ 15,682,000 $ 100,525 $ 29,000
Manatee, Florida 155 $ 25,726,000 $ 165,974 $ 65,000
San Mateo, California 154 $ 59,544,000 $ 386,649 $ 126,000
Washington, Maryland 153 $ 27,237,000 $ 178,019 $ 57,000
Kendall, Illinois 152 $ 25,879,000 $ 170,256 $ 49,000
Lucas, Ohio 152 $ 13,431,000 $ 88,361 $ 46,000
Lancaster, Pennsylvania 152 $ 40,144,000 $ 264,105 $ 30,000
Jackson, Michigan 151 $ 15,029,000 $ 99,529 $ 27,000
Westmoreland, Pennsylvania 151 $ 16,686,000 $ 110,503 $ 40,000
Northampton, Pennsylvania 150 $ 21,306,000 $ 142,040 $ 38,000
Winnebago, Illinois 149 $ 14,167,000 $ 95,080 $ 32,000
Calhoun, Michigan 149 $ 14,314,000 $ 96,067 $ 26,000
Clayton, Georgia 147 $ 14,375,000 $ 97,789 $ 35,000
Clay, Florida 145 $ 20,403,000 $ 140,710 $ 50,000
LaPorte, Indiana 145 $ 11,613,000 $ 80,089 $ 25,000
Jefferson, Kentucky 145 $ 13,240,000 $ 91,310 $ 46,000
Berks, Pennsylvania 145 $ 21,373,000 $ 147,400 $ 31,000
Lehigh, Pennsylvania 143 $ 18,286,000 $ 127,874 $ 33,000
Shasta, California 142 $ 26,793,000 $ 188,683 $ 81,000
Kalamazoo, Michigan 141 $ 13,516,000 $ 95,858 $ 25,000
Washington, Oregon 141 $ 26,724,000 $ 189,531 $ 50,000
Forsyth, North Carolina 140 $ 12,832,000 $ 91,657 $ 50,000
Henrico, Virginia 140 $ 20,231,000 $ 144,507 $ 32,000
Ocean, New Jersey 139 $ 30,255,000 $ 217,661 $ 46,000
Clackamas, Oregon 139 $ 27,557,000 $ 198,251 $ 73,000
Yakima, Washington 139 $ 20,434,000 $ 147,007 $ 25,000
Washtenaw, Michigan 138 $ 19,871,000 $ 143,992 $ 39,000
St. Louis, Missouri 138 $ 13,169,000 $ 95,427 $ 42,000
Okaloosa, Florida 137 $ 25,905,000 $ 189,087 $ 65,000
St. Tammany, Louisiana 137 $ 18,650,000 $ 136,131 $ 37,000
Ottawa, Michigan 137 $ 17,392,000 $ 126,948 $ 35,000
Wright, Minnesota 137 $ 24,435,000 $ 178,357 $ 31,000
Yavapai, Arizona 136 $ 21,909,000 $ 161,095 $ 47,000
LaSalle, Illinois 136 $ 16,656,000 $ 122,470 $ 38,000
Hawaii, Hawaii 134 $ 29,763,000 $ 222,111 $ 32,000
Burlington, New Jersey 134 $ 25,705,000 $ 191,828 $ 41,000
DeKalb, Illinois 133 $ 19,302,000 $ 145,127 $ 38,000
Essex, New Jersey 132 $ 31,552,000 $ 239,030 $ 60,000
Waukesha, Wisconsin 132 $ 23,413,000 $ 177,371 $ 76,000
St. Johns, Florida 128 $ 24,578,000 $ 192,015 $ 55,000
Boone, Illinois 127 $ 16,122,000 $ 126,944 $ 40,000
Middlesex, New Jersey 127 $ 31,697,000 $ 249,582 $ 47,000
Washington, Pennsylvania 127 $ 12,384,000 $ 97,511 $ 45,000
Sutter, California 126 $ 25,693,000 $ 203,912 $ 80,000
Washington, Minnesota 125 $ 24,221,000 $ 193,768 $ 39,000
Bucks, Pennsylvania 125 $ 30,328,000 $ 242,624 $ 86,000
Alachua, Florida 123 $ 36,898,000 $ 299,983 $ 43,000
Charles, Maryland 123 $ 30,767,000 $ 250,138 $ 67,000
Sherburne, Minnesota 123 $ 20,659,000 $ 167,959 $ 30,000
El Dorado, California 121 $ 35,372,000 $ 292,330 $ 125,000
Madison, Indiana 121 $ 9,597,000 $ 79,314 $ 26,000
Citrus, Florida 120 $ 16,630,000 $ 138,583 $ 35,000
Richmond, Georgia 119 $ 12,191,000 $ 102,445 $ 32,000
Santa Rosa, Florida 118 $ 16,197,000 $ 137,262 $ 35,000
Olmsted, Minnesota 118 $ 15,703,000 $ 133,076 $ 24,000
St. Clair, Michigan 117 $ 14,038,000 $ 119,982 $ 35,000
Santa Barbara, California 116 $ 42,690,000 $ 368,017 $ 118,000
Porter, Indiana 114 $ 12,667,000 $ 111,114 $ 30,000
Washington, Rhode Island 114 $ 22,339,000 $ 195,956 $ 43,000
Flagler, Florida 113 $ 19,531,000 $ 172,840 $ 57,000
Barnstable, Massachusetts 113 $ 29,595,000 $ 261,902 $ 41,000
Howard, Maryland 112 $ 33,420,000 $ 298,392 $ 59,000
Winnebago, Wisconsin 111 $ 12,083,000 $ 108,855 $ 42,000
Macon, Illinois 109 $ 7,951,000 $ 72,944 $ 19,000
Roanoke City, Virginia 109 $ 9,401,000 $ 86,247 $ 29,000
Queens, New York 108 $ 31,382,000 $ 290,574 $ 98,000
Lane, Oregon 108 $ 16,817,000 $ 155,712 $ 26,000
Bay, Michigan 107 $ 10,454,000 $ 97,700 $ 18,000
St. Louis, Minnesota 107 $ 13,076,000 $ 122,205 $ 26,000
Richmond City, Virginia 107 $ 11,094,000 $ 103,682 $ 29,000
Chisago, Minnesota 105 $ 16,318,000 $ 155,409 $ 47,000
Mesa, Colorado 104 $ 14,917,000 $ 143,432 $ 32,000
Carroll, Maryland 103 $ 22,991,000 $ 223,213 $ 41,000
Sheboygan, Wisconsin 103 $ 11,165,000 $ 108,398 $ 22,000
Outagamie, Wisconsin 102 $ 12,160,000 $ 119,215 $ 41,000
Scott, Minnesota 101 $ 21,953,000 $ 217,356 $ 44,000
Sumner, Tennessee 101 $ 14,668,000 $ 145,227 $ 25,000
Loudoun, Virginia 100 $ 26,179,000 $ 261,790 $ 67,000
Lackawanna, Pennsylvania 99 $ 10,920,000 $ 110,303 $ 43,000
Yuba, California 97 $ 19,314,000 $ 199,113 $ 65,000
Monroe, Michigan 97 $ 11,464,000 $ 118,185 $ 41,000
Isanti, Minnesota 97 $ 13,954,000 $ 143,855 $ 36,000
Union, New Jersey 97 $ 24,076,000 $ 248,206 $ 51,000
Nassau, New York 97 $ 28,704,000 $ 295,917 $ 98,000
Cuyahoga, Ohio 97 $ 10,865,000 $ 112,010 $ 53,000
Terrebonne, Louisiana 96 $ 9,697,000 $ 101,010 $ 18,000
Cumberland, Pennsylvania 96 $ 12,470,000 $ 129,895 $ 34,000
Salt Lake, Utah 96 $ 11,207,000 $ 116,739 $ 68,000
Norfolk, Virginia 96 $ 12,177,000 $ 126,843 $ 30,000
Middlesex, Connecticut 95 $ 17,929,000 $ 188,726 $ 37,000
Berkshire, Massachusetts 94 $ 12,012,000 $ 127,787 $ 41,000
Davidson, North Carolina 94 $ 8,476,000 $ 90,170 $ 50,000
Tolland, Connecticut 93 $ 15,128,000 $ 162,666 $ 42,000
Bergen, New Jersey 93 $ 28,168,000 $ 302,881 $ 63,000
Camden, New Jersey 93 $ 15,327,000 $ 164,806 $ 41,000
Hampton, Virginia 93 $ 12,132,000 $ 130,451 $ 36,000
Mohave, Arizona 92 $ 13,030,000 $ 141,630 $ 49,000
St. John the Baptist, Louisiana 92 $ 9,779,000 $ 106,293 $ 30,000
San Luis Obispo, California 90 $ 30,598,000 $ 339,977 $ 93,000
Bay, Florida 90 $ 12,306,000 $ 136,733 $ 36,000
Bonneville, Idaho 90 $ 9,073,000 $ 100,811 $ 11,000
Johnson, Indiana 90 $ 8,755,000 $ 97,277 $ 32,000
Clark, Indiana 89 $ 8,070,000 $ 90,674 $ 32,000
Jackson, Missouri 89 $ 8,126,000 $ 91,303 $ 39,000
Cowlitz, Washington 89 $ 12,778,000 $ 143,573 $ 25,000
Larimer, Colorado 88 $ 17,998,000 $ 204,522 $ 79,000
Tazewell, Illinois 88 $ 7,371,000 $ 83,761 $ 19,000
Howard, Indiana 88 $ 7,292,000 $ 82,863 $ 25,000
Napa, California 87 $ 27,626,000 $ 317,540 $ 85,000
San Francisco, California 87 $ 34,120,000 $ 392,183 $ 98,000
Chester, Pennsylvania 87 $ 15,639,000 $ 179,758 $ 53,000
Berrien, Michigan 86 $ 8,276,000 $ 96,232 $ 25,000
Chesapeake, Virginia 86 $ 14,458,000 $ 168,116 $ 39,000
Grays Harbor, Washington 85 $ 10,291,000 $ 121,070 $ 45,000
Douglas, Colorado 84 $ 21,134,000 $ 251,595 $ 72,000
Beaver, Pennsylvania 84 $ 9,274,000 $ 110,404 $ 32,000
Benton, Washington 84 $ 11,280,000 $ 134,285 $ 31,000
Yuma, Arizona 83 $ 10,873,000 $ 131,000 $ 40,000
Boulder, Colorado 83 $ 19,048,000 $ 229,493 $ 55,000
Franklin, Massachusetts 82 $ 12,726,000 $ 155,195 $ 38,000
Montgomery, Tennessee 82 $ 9,186,000 $ 112,024 $ 20,000
Delaware, Indiana 81 $ 6,500,000 $ 80,246 $ 22,000
Vigo, Indiana 81 $ 5,897,000 $ 72,802 $ 23,000
Lake, California 80 $ 16,546,000 $ 206,825 $ 78,000
Woodbury, Iowa 80 $ 6,646,000 $ 83,075 $ 9,000
St. Louis City, Missouri 80 $ 7,220,000 $ 90,250 $ 35,000
Durham, North Carolina 80 $ 7,539,000 $ 94,237 $ 45,000
Hampshire, Massachusetts 78 $ 11,671,000 $ 149,628 $ 48,000
Brazoria, Texas 76 $ 9,633,000 $ 126,750 $ 37,000
Passaic, New Jersey 75 $ 18,441,000 $ 245,880 $ 47,000
Tangipahoa, Louisiana 74 $ 7,998,000 $ 108,081 $ 32,000
Rice, Minnesota 74 $ 12,578,000 $ 169,972 $ 35,000
Paulding, Georgia 73 $ 9,683,000 $ 132,643 $ 33,000
McLean, Illinois 73 $ 8,040,000 $ 110,136 $ 18,000
Scott, Iowa 73 $ 7,525,000 $ 103,082 $ 34,000
Wicomico, Maryland 73 $ 12,023,000 $ 164,698 $ 30,000
Stearns, Minnesota 73 $ 9,166,000 $ 125,561 $ 19,000
Summit, Ohio 73 $ 6,919,000 $ 94,780 $ 38,000
Lycoming, Pennsylvania 73 $ 6,723,000 $ 92,095 $ 21,000
Marathon, Wisconsin 73 $ 8,134,000 $ 111,424 $ 31,000
Kauai, Hawaii 72 $ 20,280,000 $ 281,666 $ 18,000
Kootenai, Idaho 72 $ 11,542,000 $ 160,305 $ 29,000
Jackson, Oregon 72 $ 13,554,000 $ 188,250 $ 42,000
Franklin, Pennsylvania 72 $ 8,484,000 $ 117,833 $ 30,000
Schuylkill, Pennsylvania 72 $ 7,717,000 $ 107,180 $ 34,000
Tippecanoe, Indiana 71 $ 6,322,000 $ 89,042 $ 17,000
Hamilton, Ohio 71 $ 6,889,000 $ 97,028 $ 35,000
Mason, Washington 71 $ 8,964,000 $ 126,253 $ 44,000
Hamilton, Indiana 69 $ 10,081,000 $ 146,101 $ 42,000
Calvert, Maryland 69 $ 14,928,000 $ 216,347 $ 37,000
Tehama, California 68 $ 11,037,000 $ 162,308 $ 55,000
Putnam, Florida 68 $ 6,651,000 $ 97,808 $ 29,000
Santa Cruz, California 67 $ 25,086,000 $ 374,417 $ 97,000
Livingston, Michigan 67 $ 12,353,000 $ 184,373 $ 58,000
Spotsylvania, Virginia 67 $ 15,395,000 $ 229,776 $ 50,000
Linn, Iowa 66 $ 6,250,000 $ 94,696 $ 24,000
Allegany, Maryland 66 $ 5,785,000 $ 87,651 $ 34,000
Bannock, Idaho 65 $ 6,707,000 $ 103,184 $ 20,000
Caddo, Louisiana 65 $ 5,981,000 $ 92,015 $ 25,000
Wilson, Tennessee 65 $ 7,682,000 $ 118,184 $ 37,000
Eau Claire, Wisconsin 64 $ 6,938,000 $ 108,406 $ 28,000
Grundy, Illinois 63 $ 9,368,000 $ 148,698 $ 36,000
Franklin, Washington 63 $ 6,830,000 $ 108,412 $ 28,000
Whatcom, Washington 63 $ 12,033,000 $ 191,000 $ 31,000
Fremont, Colorado 62 $ 7,860,000 $ 126,774 $ 29,000
Pottawattamie, Iowa 62 $ 5,648,000 $ 91,096 $ 23,000
Cherokee, Georgia 61 $ 9,188,000 $ 150,622 $ 41,000
Mower, Minnesota 61 $ 6,265,000 $ 102,704 $ 12,000
Kings, New York 61 $ 18,156,000 $ 297,639 $ 87,000
Skagit, Washington 61 $ 9,955,000 $ 163,196 $ 39,000
La Crosse, Wisconsin 61 $ 6,403,000 $ 104,967 $ 21,000
Douglas, Georgia 60 $ 7,492,000 $ 124,866 $ 35,000
Hendricks, Indiana 60 $ 7,219,000 $ 120,316 $ 30,000
Wayne, Indiana 60 $ 4,456,000 $ 74,266 $ 23,000
St. Mary's, Maryland 60 $ 11,444,000 $ 190,733 $ 61,000
Eaton, Michigan 60 $ 7,880,000 $ 131,333 $ 58,000
Butler, Pennsylvania 60 $ 39,468,000 $ 657,800 $ 32,000
Mercer, Pennsylvania 60 $ 5,734,000 $ 95,566 $ 16,000
Portsmouth, Virginia 60 $ 6,677,000 $ 111,283 $ 40,000
Manitowoc, Wisconsin 60 $ 6,195,000 $ 103,250 $ 25,000
Kandiyohi, Minnesota 59 $ 6,663,000 $ 112,932 $ 38,000
Adams, Pennsylvania 59 $ 7,866,000 $ 133,322 $ 45,000
Maury, Tennessee 59 $ 6,017,000 $ 101,983 $ 26,000
Stafford, Virginia 59 $ 14,706,000 $ 249,254 $ 61,000
Cecil, Maryland 58 $ 11,462,000 $ 197,620 $ 41,000
Montgomery, Ohio 58 $ 5,225,000 $ 90,086 $ 48,000
Deschutes, Oregon 58 $ 14,448,000 $ 249,103 $ 39,000
Carbon, Pennsylvania 58 $ 6,740,000 $ 116,206 $ 37,000
Humboldt, California 57 $ 12,586,000 $ 220,807 $ 38,000
Mendocino, California 57 $ 12,608,000 $ 221,192 $ 66,000
Henry, Georgia 57 $ 7,885,000 $ 138,333 $ 72,000
New Hanover, North Carolina 57 $ 7,514,000 $ 131,824 $ 61,000
Coconino, Arizona 56 $ 13,031,000 $ 232,696 $ 39,000
Livingston, Louisiana 56 $ 6,457,000 $ 115,303 $ 31,000
Lapeer, Michigan 56 $ 7,635,000 $ 136,339 $ 50,000
Lenawee, Michigan 56 $ 5,826,000 $ 104,035 $ 32,000
Randolph, North Carolina 56 $ 4,792,000 $ 85,571 $ 51,000
Douglas, Oregon 56 $ 8,411,000 $ 150,196 $ 19,000
Charlotte, Florida 55 $ 6,914,000 $ 125,709 $ 53,000
St. Clair, Illinois 55 $ 5,782,000 $ 105,127 $ 32,000
Ascension, Louisiana 55 $ 6,514,000 $ 118,436 $ 15,000
Allegan, Michigan 55 $ 5,838,000 $ 106,145 $ 34,000
Fayette, Pennsylvania 55 $ 4,900,000 $ 89,090 $ 28,000
Highlands, Florida 54 $ 5,831,000 $ 107,981 $ 61,000
Hudson, New Jersey 54 $ 14,535,000 $ 269,166 $ 81,000
Lawrence, Pennsylvania 54 $ 5,715,000 $ 105,833 $ 19,000
Northumberland, Pennsylvania 53 $ 5,235,000 $ 98,773 $ 17,000
Newport News, Virginia 53 $ 6,668,000 $ 125,811 $ 33,000
Lyon, Nevada 52 $ 10,753,000 $ 206,788 $ 36,000
Calaveras, California 51 $ 15,500,000 $ 303,921 $ 108,000
Broomfield, Colorado 51 $ 10,797,000 $ 211,705 $ 31,000
Crow Wing, Minnesota 51 $ 6,634,000 $ 130,078 $ 6,000
Madison, Tennessee 51 $ 5,203,000 $ 102,019 $ 48,000
Bartholomew, Indiana 50 $ 4,682,000 $ 93,640 $ 32,000
Montcalm, Michigan 50 $ 4,401,000 $ 88,020 $ 33,000
Madison, Illinois 49 $ 5,420,000 $ 110,612 $ 32,000
Lafourche, Louisiana 49 $ 5,416,000 $ 110,530 $ 22,000
Atlantic, New Jersey 49 $ 8,918,000 $ 182,000 $ 46,000
Morgan, Colorado 48 $ 5,718,000 $ 119,125 $ 13,000
Black Hawk, Iowa 48 $ 3,629,000 $ 75,604 $ 31,000
Cochise, Arizona 47 $ 5,357,000 $ 113,978 $ 13,000
Nevada, California 47 $ 12,900,000 $ 274,468 $ 94,000
Grant, Indiana 47 $ 3,133,000 $ 66,659 $ 8,000
St. Charles, Louisiana 47 $ 5,930,000 $ 126,170 $ 26,000
Stark, Ohio 47 $ 4,564,000 $ 97,106 $ 31,000
Lebanon, Pennsylvania 47 $ 4,942,000 $ 105,148 $ 26,000
Newport, Rhode Island 47 $ 13,542,000 $ 288,127 $ 33,000
Grant, Washington 47 $ 5,318,000 $ 113,148 $ 16,000
Lewis, Washington 47 $ 6,042,000 $ 128,553 $ 29,000
Morgan, Indiana 46 $ 4,804,000 $ 104,434 $ 23,000
Clay, Minnesota 46 $ 5,094,000 $ 110,739 $ 14,000
Clallam, Washington 46 $ 6,841,000 $ 148,717 $ 33,000
Fond du Lac, Wisconsin 46 $ 5,387,000 $ 117,108 $ 44,000
Sumter, Florida 45 $ 5,064,000 $ 112,533 $ 26,000
Gloucester, New Jersey 45 $ 8,138,000 $ 180,844 $ 45,000
Blair, Pennsylvania 45 $ 3,905,000 $ 86,777 $ 17,000
Williamson, Tennessee 45 $ 6,811,000 $ 151,355 $ 34,000
Gadsden, Florida 44 $ 5,149,000 $ 117,022 $ 22,000
Twin Falls, Idaho 44 $ 4,706,000 $ 106,954 $ 16,000
Starke, Indiana 44 $ 4,119,000 $ 93,613 $ 19,000
Steele, Minnesota 44 $ 5,494,000 $ 124,863 $ 21,000
Pitt, North Carolina 44 $ 3,957,000 $ 89,931 $ 48,000
Roanoke, Virginia 44 $ 5,887,000 $ 133,795 $ 15,000
Glenn, California 43 $ 6,246,000 $ 145,255 $ 107,000
Crawford, Pennsylvania 43 $ 3,946,000 $ 91,767 $ 31,000
Suffolk, Virginia 43 $ 5,948,000 $ 138,325 $ 32,000
Walla Walla, Washington 43 $ 5,652,000 $ 131,441 $ 24,000
San Benito, California 42 $ 17,034,000 $ 405,571 $ 112,000
Rock Island, Illinois 42 $ 4,142,000 $ 98,619 $ 20,000
St. Bernard, Louisiana 42 $ 4,403,000 $ 104,833 $ 21,000
Tuscola, Michigan 42 $ 3,797,000 $ 90,404 $ 31,000
McLeod, Minnesota 42 $ 6,049,000 $ 144,023 $ 13,000
Nassau, Florida 41 $ 6,243,000 $ 152,268 $ 44,000
Clinton, Indiana 41 $ 3,030,000 $ 73,902 $ 25,000
Carver, Minnesota 41 $ 7,846,000 $ 191,365 $ 28,000
Johnston, North Carolina 41 $ 3,900,000 $ 95,121 $ 42,000
Onslow, North Carolina 41 $ 3,109,000 $ 75,829 $ 54,000
Coos, Oregon 41 $ 5,147,000 $ 125,536 $ 15,000
Floyd, Indiana 40 $ 3,621,000 $ 90,525 $ 17,000
Henry, Indiana 40 $ 2,929,000 $ 73,225 $ 28,000
Warrick, Indiana 40 $ 3,438,000 $ 85,950 $ 21,000
Cambria, Pennsylvania 40 $ 3,947,000 $ 98,675 $ 43,000
Columbia, Pennsylvania 40 $ 4,133,000 $ 103,325 $ 23,000
El Paso, Texas 40 $ 4,598,000 $ 114,950 $ 37,000
Rockdale, Georgia 39 $ 6,417,000 $ 164,538 $ 85,000
Monroe, Indiana 39 $ 3,857,000 $ 98,897 $ 33,000
Midland, Michigan 39 $ 3,422,000 $ 87,743 $ 13,000
Alamance, North Carolina 39 $ 3,725,000 $ 95,512 $ 46,000
Polk, Oregon 39 $ 5,677,000 $ 145,564 $ 31,000
Wayne, Pennsylvania 39 $ 4,945,000 $ 126,794 $ 31,000
Ellis, Texas 39 $ 4,157,000 $ 106,589 $ 49,000
Rockwall, Texas 39 $ 4,971,000 $ 127,461 $ 50,000
Manassas, Virginia 39 $ 7,173,000 $ 183,923 $ 40,000
Van Buren, Michigan 38 $ 4,024,000 $ 105,894 $ 31,000
Clearfield, Pennsylvania 38 $ 2,647,000 $ 69,657 $ 16,000
Indiana, Pennsylvania 38 $ 3,641,000 $ 95,815 $ 34,000
Robertson, Tennessee 38 $ 4,346,000 $ 114,368 $ 28,000
Island, Washington 38 $ 7,325,000 $ 192,763 $ 29,000
Nez Perce, Idaho 37 $ 4,101,000 $ 110,837 $ 15,000
Huntington, Indiana 37 $ 3,212,000 $ 86,810 $ 9,000
Miami, Indiana 37 $ 2,921,000 $ 78,945 $ 22,000
Grand Traverse, Michigan 37 $ 4,619,000 $ 124,837 $ 41,000
Ionia, Michigan 37 $ 3,487,000 $ 94,243 $ 25,000
Sarpy, Nebraska 37 $ 4,065,000 $ 109,864 $ 27,000
Somerset, New Jersey 37 $ 8,872,000 $ 239,783 $ 28,000
Yamhill, Oregon 37 $ 6,194,000 $ 167,405 $ 25,000
Jackson, Florida 36 $ 4,299,000 $ 119,416 $ 33,000
Nye, Nevada 36 $ 6,147,000 $ 170,750 $ 44,000
Licking, Ohio 36 $ 4,746,000 $ 131,833 $ 36,000
Centre, Pennsylvania 36 $ 4,268,000 $ 118,555 $ 45,000
Bedford, Tennessee 36 $ 3,072,000 $ 85,333 $ 20,000
Walworth, Wisconsin 36 $ 4,518,000 $ 125,500 $ 69,000
Morris, New Jersey 35 $ 11,046,000 $ 315,600 $ 39,000
Warren, New Jersey 35 $ 5,635,000 $ 161,000 $ 40,000
Butler, Ohio 35 $ 3,404,000 $ 97,257 $ 28,000
Josephine, Oregon 35 $ 6,268,000 $ 179,085 $ 29,000
Umatilla, Oregon 35 $ 3,908,000 $ 111,657 $ 7,000
Kaufman, Texas 35 $ 3,567,000 $ 101,914 $ 41,000
Pittsylvania, Virginia 35 $ 3,013,000 $ 86,085 $ 14,000
Chelan, Washington 35 $ 4,344,000 $ 124,114 $ 15,000
Sauk, Wisconsin 35 $ 4,441,000 $ 126,885 $ 67,000
Santa Cruz, Arizona 34 $ 3,644,000 $ 107,176 $ 17,000
Indian River, Florida 34 $ 4,484,000 $ 131,882 $ 54,000
Blue Earth, Minnesota 34 $ 4,067,000 $ 119,617 $ 13,000
Mercer, New Jersey 34 $ 7,256,000 $ 213,411 $ 53,000
Delta, Colorado 33 $ 4,488,000 $ 136,000 $ 16,000
Garfield, Colorado 33 $ 7,513,000 $ 227,666 $ 23,000
Columbia, Florida 33 $ 3,955,000 $ 119,848 $ 52,000
Lorain, Ohio 33 $ 4,152,000 $ 125,818 $ 54,000
Klamath, Oregon 33 $ 5,577,000 $ 169,000 $ 17,000
Putnam, Tennessee 33 $ 2,664,000 $ 80,727 $ 23,000
Sullivan, Tennessee 33 $ 2,855,000 $ 86,515 $ 27,000
Montrose, Colorado 32 $ 5,153,000 $ 161,031 $ 17,000
New Castle, Delaware 32 $ 4,693,000 $ 146,656 $ 73,000
Hendry, Florida 32 $ 3,725,000 $ 116,406 $ 48,000
Newton, Georgia 32 $ 4,615,000 $ 144,218 $ 38,000
Calcasieu, Louisiana 32 $ 2,885,000 $ 90,156 $ 32,000
Dorchester, Maryland 32 $ 4,050,000 $ 126,562 $ 34,000
Winona, Minnesota 32 $ 3,611,000 $ 112,843 $ 16,000
Sussex, New Jersey 32 $ 7,335,000 $ 229,218 $ 42,000
Bradford, Pennsylvania 32 $ 3,511,000 $ 109,718 $ 23,000
Dickson, Tennessee 32 $ 3,703,000 $ 115,718 $ 18,000
Richland, Wisconsin 32 $ 3,075,000 $ 96,093 $ 50,000
Navajo, Arizona 31 $ 3,607,000 $ 116,354 $ 44,000
Kosciusko, Indiana 31 $ 2,713,000 $ 87,516 $ 25,000
Mille Lacs, Minnesota 31 $ 3,677,000 $ 118,612 $ 17,000
Fairfield, Ohio 31 $ 4,761,000 $ 153,580 $ 47,000
Union, Oregon 31 $ 3,284,000 $ 105,935 $ 26,000
Bradley, Tennessee 31 $ 2,979,000 $ 96,096 $ 28,000
Alexandria, Virginia 31 $ 6,429,000 $ 207,387 $ 69,000
Franklin, Virginia 31 $ 3,709,000 $ 119,645 $ 24,000
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Mortgage Loan Application Detail Totals for First Nlc Financial Services, in 2005

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 105,994 $18,147,728,000 $157,069 $65,280,000 $42,627 $5,760,000
Home Purchase 40,682 $6,550,726,000 $141,162 $3,210,000 $63,837 $4,800,000
Home Improvement 56 $9,855,000 $141,769 $680,000 $38,769 $240,000

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 61,627 $10,043,967,000 $158,348 $31,873,000 $53,116 $3,024,000
Black or African American 29,375 $4,464,107,000 $147,883 $3,900,000 $47,790 $4,800,000
Hispanic 26,173 $4,724,016,000 $146,682 $2,000,000 $48,048 $5,760,000
Not Provided 17,860 $3,224,899,000 $157,674 $65,280,000 $43,534 $2,568,000
Asian 7,597 $1,413,355,000 $155,300 $1,575,000 $48,600 $2,125,000
American Indian or Alaskan Native 2,802 $531,080,000 $166,666 $1,000,000 $37,361 $1,848,000
Native Hawaiian or Other Pacific Islander 1,298 $306,885,000 $167,114 $1,350,000 $45,400 $900,000
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) 146,732 $24,708,309,000 $151,232 $65,280,000 $48,604 $5,760,000
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 39,826 $6,977,225,000 $158,205 $31,873,000 $18,666 $5,760,000
File Closed For Incompleteness 34,965 $5,690,663,000 $160,414 $65,280,000 $22,463 $1,140,000
Loan Originated 32,630 $5,369,271,000 $133,878 $2,100,000 $60,926 $3,024,000
Application Approved But Not Accepted 20,481 $3,584,273,000 $156,404 $3,900,000 $69,357 $4,800,000
Application Denied By Financial Institution 15,455 $2,423,080,000 $143,500 $2,925,000 $58,714 $3,651,000
Loan Purchased By The Institution 3,375 $663,797,000 $143,051 $722,000 $67,589 $1,737,000
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 2005 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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