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records First Nlc Financial Services, filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 8,818 | $ 1,688,312,000 | $ 191,462 | $ 61,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4,536 | $ 783,770,000 | $ 172,788 | $ 66,000 |
| Houston-Sugar Land-Baytown, TX | 4,436 | $ 571,294,000 | $ 128,785 | $ 66,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3,572 | $ 1,133,311,000 | $ 317,276 | $ 72,061 |
| Miami-Miami Beach-Kendall, FL | 3,420 | $ 789,355,000 | $ 230,805 | $ 77,000 |
| Dallas-Plano-Irving, TX | 3,250 | $ 455,044,000 | $ 140,013 | $ 62,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,918 | $ 483,646,000 | $ 165,745 | $ 60,000 |
| Baltimore-Towson, MD | 2,642 | $ 571,191,000 | $ 216,196 | $ 59,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,618 | $ 974,559,000 | $ 372,253 | $ 89,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2,548 | $ 582,952,000 | $ 228,788 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 2,517 | $ 758,352,000 | $ 301,292 | $ 79,000 |
| St. Louis, MO-IL | 2,312 | $ 291,628,000 | $ 126,136 | $ 50,429 |
| Providence-New Bedford-Fall River, RI-MA | 2,201 | $ 522,551,000 | $ 237,415 | $ 60,295 |
| Tampa-St. Petersburg-Clearwater, FL | 1,906 | $ 342,426,000 | $ 179,656 | $ 68,000 |
| Orlando-Kissimmee, FL | 1,810 | $ 366,980,000 | $ 202,751 | $ 64,000 |
| Newark-Union, NJ-PA | 1,801 | $ 517,282,000 | $ 287,219 | $ 82,842 |
| Fort Worth-Arlington, TX | 1,778 | $ 233,023,000 | $ 131,059 | $ 59,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,712 | $ 354,231,000 | $ 206,910 | $ 56,173 |
| Edison, NJ | 1,688 | $ 466,771,000 | $ 276,523 | $ 82,000 |
| Camden, NJ | 1,685 | $ 317,397,000 | $ 188,366 | $ 74,000 |
| Las Vegas-Paradise, NV | 1,635 | $ 409,189,000 | $ 250,268 | $ 131,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1,565 | $ 295,926,000 | $ 189,090 | $ 57,071 |
| Philadelphia, PA | 1,507 | $ 224,615,000 | $ 149,047 | $ 119,000 |
| Boston-Quincy, MA | 1,498 | $ 471,399,000 | $ 314,685 | $ 66,000 |
| Kansas City, MO-KS | 1,443 | $ 187,320,000 | $ 129,812 | $ 55,742 |
| Detroit-Livonia-Dearborn, MI | 1,386 | $ 140,221,000 | $ 101,169 | $ 59,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1,348 | $ 315,505,000 | $ 234,054 | $ 76,000 |
| San Antonio, TX | 1,221 | $ 144,778,000 | $ 118,573 | $ 58,000 |
| New York-White Plains-Wayne, NY-NJ | 1,216 | $ 407,428,000 | $ 335,055 | $ 90,974 |
| Albuquerque, NM | 1,183 | $ 190,239,000 | $ 160,810 | $ 50,000 |
| Denver-Aurora, CO | 1,039 | $ 203,520,000 | $ 195,880 | $ 65,000 |
| Jacksonville, FL | 1,026 | $ 161,300,000 | $ 157,212 | $ 61,000 |
| Warren-Troy-Farmington Hills, MI | 990 | $ 152,023,000 | $ 153,558 | $ 59,000 |
| Richmond, VA | 968 | $ 159,704,000 | $ 164,983 | $ 53,000 |
| Omaha-Council Bluffs, NE-IA | 937 | $ 119,042,000 | $ 127,045 | $ 58,931 |
| San Diego-Carlsbad-San Marcos, CA | 936 | $ 350,544,000 | $ 374,512 | $ 84,000 |
| Bethesda-Gaithersburg-Frederick, MD | 909 | $ 285,764,000 | $ 314,371 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 899 | $ 253,302,000 | $ 281,759 | $ 76,000 |
| Memphis, TN-MS-AR | 881 | $ 107,846,000 | $ 122,413 | $ 54,575 |
| Fresno, CA | 863 | $ 170,217,000 | $ 197,238 | $ 57,000 |
| Tucson, AZ | 807 | $ 125,789,000 | $ 155,872 | $ 66,000 |
| Oakland-Fremont-Hayward, CA | 804 | $ 312,820,000 | $ 389,079 | $ 87,000 |
| Indianapolis-Carmel, IN | 803 | $ 86,325,000 | $ 107,503 | $ 49,000 |
| Hartford-West Hartford-East Hartford, CT | 801 | $ 166,857,000 | $ 208,310 | $ 61,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 775 | $ 238,312,000 | $ 307,499 | $ 76,000 |
| Austin-Round Rock, TX | 774 | $ 112,238,000 | $ 145,010 | $ 63,000 |
| Worcester, MA | 774 | $ 177,846,000 | $ 229,775 | $ 60,000 |
| Cambridge-Newton-Framingham, MA | 749 | $ 245,677,000 | $ 328,006 | $ 70,000 |
| Gary, IN | 711 | $ 72,167,000 | $ 101,500 | $ 59,000 |
| Pittsburgh, PA | 709 | $ 84,975,000 | $ 119,851 | $ 115,000 |
| Lake County-Kenosha County, IL-WI | 700 | $ 131,173,000 | $ 187,390 | $ 58,245 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 679 | $ 98,283,000 | $ 144,746 | $ 50,000 |
| Louisville-Jefferson County, KY-IN | 669 | $ 85,683,000 | $ 128,076 | $ 48,784 |
| Peabody, MA | 660 | $ 189,757,000 | $ 287,510 | $ 57,000 |
| Milwaukee-Waukesha-West Allis, WI | 650 | $ 87,223,000 | $ 134,189 | $ 53,000 |
| Wilmington, DE-MD-NJ | 625 | $ 130,141,000 | $ 208,225 | $ 58,280 |
| Cincinnati-Middletown, OH-KY-IN | 600 | $ 83,090,000 | $ 138,483 | $ 57,500 |
| Bakersfield, CA | 597 | $ 126,509,000 | $ 211,907 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 596 | $ 128,540,000 | $ 215,671 | $ 70,000 |
| New Haven-Milford, CT | 576 | $ 123,155,000 | $ 213,810 | $ 62,000 |
| Honolulu, HI | 573 | $ 206,979,000 | $ 361,219 | $ 69,000 |
| Bridgeport-Stamford-Norwalk, CT | 572 | $ 187,277,000 | $ 327,407 | $ 73,000 |
| Salt Lake City, UT | 571 | $ 108,148,000 | $ 189,401 | $ 67,000 |
| Oklahoma City, OK | 563 | $ 63,528,000 | $ 112,838 | $ 52,000 |
| Springfield, MA | 559 | $ 94,570,000 | $ 169,177 | $ 48,000 |
| Portland-Vancouver-Beaverton, OR-WA | 536 | $ 118,671,000 | $ 221,401 | $ 90,149 |
| Visalia-Porterville, CA | 514 | $ 91,771,000 | $ 178,542 | $ 52,000 |
| New Orleans-Metairie-Kenner, LA | 511 | $ 79,602,000 | $ 155,776 | $ 59,000 |
| Santa Ana-Anaheim-Irvine, CA | 495 | $ 210,169,000 | $ 424,583 | $ 101,000 |
| Stockton, CA | 480 | $ 150,036,000 | $ 312,575 | $ 78,000 |
| Sarasota-Bradenton-Venice, FL | 474 | $ 94,434,000 | $ 199,227 | $ 65,000 |
| Rockford, IL | 471 | $ 57,438,000 | $ 121,949 | $ 49,000 |
| Lakeland, FL | 439 | $ 72,720,000 | $ 165,649 | $ 60,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 436 | $ 75,400,000 | $ 172,935 | $ 123,323 |
| Tacoma, WA | 433 | $ 102,717,000 | $ 237,221 | $ 67,000 |
| Atlantic City, NJ | 432 | $ 92,662,000 | $ 214,495 | $ 72,000 |
| Tulsa, OK | 415 | $ 47,683,000 | $ 114,898 | $ 52,000 |
| Port St. Lucie, FL | 414 | $ 81,821,000 | $ 197,635 | $ 63,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 413 | $ 70,922,000 | $ 171,723 | $ 53,000 |
| El Paso, TX | 408 | $ 50,112,000 | $ 122,823 | $ 59,000 |
| Columbus, OH | 404 | $ 57,367,000 | $ 141,997 | $ 63,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 399 | $ 182,166,000 | $ 456,556 | $ 99,000 |
| Charlotte-Gastonia-Concord, NC-SC | 361 | $ 50,616,000 | $ 140,210 | $ 53,246 |
| Grand Rapids-Wyoming, MI | 356 | $ 39,910,000 | $ 112,106 | $ 43,000 |
| Modesto, CA | 348 | $ 97,415,000 | $ 279,928 | $ 78,000 |
| Trenton-Ewing, NJ | 341 | $ 66,370,000 | $ 194,633 | $ 76,000 |
| McAllen-Edinburg-Mission, TX | 330 | $ 36,103,000 | $ 109,403 | $ 63,000 |
| Wichita, KS | 320 | $ 36,392,000 | $ 113,725 | $ 56,000 |
| Palm Bay-Melbourne-Titusville, FL | 309 | $ 57,350,000 | $ 185,598 | $ 55,000 |
| Scranton--Wilkes-Barre, PA | 309 | $ 33,449,000 | $ 108,249 | $ 98,000 |
| Springfield, MO | 308 | $ 39,174,000 | $ 127,188 | $ 47,000 |
| Rockingham County-Strafford County, NH | 305 | $ 70,189,000 | $ 230,127 | $ 67,000 |
| Manchester-Nashua, NH | 291 | $ 65,159,000 | $ 223,914 | $ 65,000 |
| Peoria, IL | 290 | $ 30,072,000 | $ 103,696 | $ 47,000 |
| Lincoln, NE | 278 | $ 36,344,000 | $ 130,733 | $ 54,000 |
| Greensboro-High Point, NC | 273 | $ 33,313,000 | $ 122,025 | $ 56,000 |
| Colorado Springs, CO | 270 | $ 44,871,000 | $ 166,188 | $ 55,000 |
| Ogden-Clearfield, UT | 268 | $ 45,111,000 | $ 168,324 | $ 64,000 |
| Brownsville-Harlingen, TX | 266 | $ 26,281,000 | $ 98,800 | $ 55,000 |
| Killeen-Temple-Fort Hood, TX | 261 | $ 28,236,000 | $ 108,183 | $ 51,000 |
| Vineland-Millville-Bridgeton, NJ | 258 | $ 39,860,000 | $ 154,496 | $ 61,000 |
| Baton Rouge, LA | 251 | $ 32,998,000 | $ 131,466 | $ 48,000 |
| Harrisburg-Carlisle, PA | 248 | $ 32,886,000 | $ 132,604 | $ 88,000 |
| Corpus Christi, TX | 242 | $ 26,871,000 | $ 111,037 | $ 57,000 |
| Norwich-New London, CT | 241 | $ 55,190,000 | $ 229,004 | $ 57,000 |
| York-Hanover, PA | 241 | $ 38,048,000 | $ 157,875 | $ 163,000 |
| Flint, MI | 240 | $ 26,225,000 | $ 109,270 | $ 49,000 |
| Naples-Marco Island, FL | 235 | $ 64,101,000 | $ 272,770 | $ 73,000 |
| Beaumont-Port Arthur, TX | 226 | $ 25,029,000 | $ 110,747 | $ 60,000 |
| Little Rock-North Little Rock-Conway, AR | 221 | $ 25,601,000 | $ 115,841 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 218 | $ 93,528,000 | $ 429,027 | $ 80,000 |
| Fort Wayne, IN | 217 | $ 20,809,000 | $ 95,894 | $ 44,000 |
| Spokane, WA | 215 | $ 32,978,000 | $ 153,386 | $ 51,000 |
| Provo-Orem, UT | 214 | $ 44,352,000 | $ 207,252 | $ 69,000 |
| San Francisco-San Mateo-Redwood City, CA | 214 | $ 102,133,000 | $ 477,257 | $ 118,000 |
| Vallejo-Fairfield, CA | 214 | $ 75,520,000 | $ 352,897 | $ 89,000 |
| Lake Havasu City-Kingman, AZ | 209 | $ 39,954,000 | $ 191,167 | $ 75,000 |
| Lansing-East Lansing, MI | 209 | $ 25,312,000 | $ 121,110 | $ 49,000 |
| Raleigh-Cary, NC | 208 | $ 32,838,000 | $ 157,875 | $ 66,000 |
| Chattanooga, TN-GA | 203 | $ 26,120,000 | $ 128,669 | $ 45,581 |
| Knoxville, TN | 200 | $ 26,812,000 | $ 134,060 | $ 46,000 |
| Lexington-Fayette, KY | 198 | $ 25,841,000 | $ 130,510 | $ 49,000 |
| Madera, CA | 198 | $ 47,893,000 | $ 241,883 | $ 56,000 |
| Merced, CA | 198 | $ 53,018,000 | $ 267,767 | $ 75,000 |
| Reno-Sparks, NV | 198 | $ 51,372,000 | $ 259,454 | $ 140,000 |
| Ocala, FL | 196 | $ 33,435,000 | $ 170,586 | $ 51,000 |
| Pensacola-Ferry Pass-Brent, FL | 194 | $ 28,494,000 | $ 146,876 | $ 59,000 |
| Roanoke, VA | 194 | $ 26,842,000 | $ 138,360 | $ 51,000 |
| Laredo, TX | 183 | $ 22,011,000 | $ 120,278 | $ 57,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 179 | $ 26,716,000 | $ 149,251 | $ 58,860 |
| Dayton, OH | 175 | $ 20,604,000 | $ 117,737 | $ 53,000 |
| Reading, PA | 171 | $ 24,100,000 | $ 140,935 | $ 106,000 |
| Hagerstown-Martinsburg, MD-WV | 169 | $ 35,855,000 | $ 212,159 | $ 61,005 |
| Davenport-Moline-Rock Island, IA-IL | 167 | $ 17,005,000 | $ 101,826 | $ 48,000 |
| Las Cruces, NM | 164 | $ 24,309,000 | $ 148,225 | $ 63,000 |
| Barnstable Town, MA | 163 | $ 51,632,000 | $ 316,760 | $ 62,000 |
| Amarillo, TX | 161 | $ 18,166,000 | $ 112,832 | $ 59,000 |
| Waco, TX | 161 | $ 18,020,000 | $ 111,925 | $ 50,000 |
| Youngstown-Warren-Boardman, OH-PA | 161 | $ 17,574,000 | $ 109,155 | $ 71,478 |
| Akron, OH | 155 | $ 18,199,000 | $ 117,412 | $ 56,000 |
| Tyler, TX | 155 | $ 19,443,000 | $ 125,438 | $ 55,000 |
| Champaign-Urbana, IL | 147 | $ 15,766,000 | $ 107,251 | $ 46,000 |
| Lancaster, PA | 144 | $ 20,723,000 | $ 143,909 | $ 113,000 |
| Salisbury, MD | 142 | $ 24,672,000 | $ 173,746 | $ 58,000 |
| Prescott, AZ | 140 | $ 27,187,000 | $ 194,192 | $ 90,000 |
| Pueblo, CO | 139 | $ 15,347,000 | $ 110,410 | $ 48,000 |
| Elkhart-Goshen, IN | 138 | $ 14,214,000 | $ 103,000 | $ 43,000 |
| Kalamazoo-Portage, MI | 135 | $ 15,660,000 | $ 116,000 | $ 53,000 |
| Kennewick-Richland-Pasco, WA | 135 | $ 19,917,000 | $ 147,533 | $ 51,000 |
| South Bend-Mishawaka, IN-MI | 135 | $ 13,004,000 | $ 96,325 | $ 47,533 |
| Kankakee-Bradley, IL | 133 | $ 16,565,000 | $ 124,548 | $ 48,000 |
| Winston-Salem, NC | 133 | $ 15,791,000 | $ 118,729 | $ 49,000 |
| Augusta-Richmond County, GA-SC | 132 | $ 15,969,000 | $ 120,977 | $ 48,909 |
| Muskegon-Norton Shores, MI | 132 | $ 13,264,000 | $ 100,484 | $ 41,000 |
| Santa Fe, NM | 132 | $ 31,411,000 | $ 237,962 | $ 61,000 |
| Lynchburg, VA | 131 | $ 17,948,000 | $ 137,007 | $ 52,000 |
| Yakima, WA | 131 | $ 17,395,000 | $ 132,786 | $ 47,000 |
| Dover, DE | 130 | $ 25,142,000 | $ 193,400 | $ 54,000 |
| Greeley, CO | 129 | $ 24,501,000 | $ 189,930 | $ 94,000 |
| Savannah, GA | 127 | $ 19,351,000 | $ 152,370 | $ 65,000 |
| Yuma, AZ | 127 | $ 19,277,000 | $ 151,787 | $ 62,000 |
| Lubbock, TX | 126 | $ 14,129,000 | $ 112,134 | $ 56,000 |
| Toledo, OH | 126 | $ 15,440,000 | $ 122,539 | $ 52,000 |
| Canton-Massillon, OH | 124 | $ 14,221,000 | $ 114,685 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 123 | $ 13,054,000 | $ 106,130 | $ 58,000 |
| Topeka, KS | 117 | $ 13,915,000 | $ 118,931 | $ 52,000 |
| Columbia, SC | 116 | $ 17,619,000 | $ 151,887 | $ 51,000 |
| Evansville, IN-KY | 115 | $ 11,126,000 | $ 96,747 | $ 46,704 |
| El Centro, CA | 114 | $ 24,026,000 | $ 210,754 | $ 69,000 |
| St. Cloud, MN | 113 | $ 16,737,000 | $ 148,115 | $ 49,000 |
| Duluth, MN-WI | 112 | $ 15,707,000 | $ 140,241 | $ 45,250 |
| Charleston-North Charleston, SC | 111 | $ 17,231,000 | $ 155,234 | $ 47,000 |
| Tallahassee, FL | 111 | $ 18,562,000 | $ 167,225 | $ 60,000 |
| Winchester, VA-WV | 111 | $ 26,029,000 | $ 234,495 | $ 58,738 |
| Longview, TX | 110 | $ 11,737,000 | $ 106,700 | $ 56,000 |
| Madison, WI | 106 | $ 18,786,000 | $ 177,226 | $ 63,000 |
| Macon, GA | 105 | $ 13,350,000 | $ 127,142 | $ 45,000 |
| Shreveport-Bossier City, LA | 104 | $ 13,542,000 | $ 130,211 | $ 45,000 |
| Salem, OR | 103 | $ 19,397,000 | $ 188,320 | $ 53,000 |
| Fayetteville, NC | 102 | $ 12,016,000 | $ 117,803 | $ 47,000 |
| Punta Gorda, FL | 102 | $ 18,550,000 | $ 181,862 | $ 53,000 |
| Grand Junction, CO | 101 | $ 16,720,000 | $ 165,544 | $ 69,000 |
| Holland-Grand Haven, MI | 101 | $ 13,110,000 | $ 129,801 | $ 46,000 |
| Midland, TX | 101 | $ 10,031,000 | $ 99,316 | $ 60,000 |
| Durham, NC | 100 | $ 14,371,000 | $ 143,710 | $ 53,000 |
| Ocean City, NJ | 99 | $ 23,852,000 | $ 240,929 | $ 81,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 99 | $ 35,108,000 | $ 354,626 | $ 72,000 |
| Bremerton-Silverdale, WA | 98 | $ 21,932,000 | $ 223,795 | $ 59,000 |
| Hanford-Corcoran, CA | 98 | $ 17,023,000 | $ 173,704 | $ 74,000 |
| Joplin, MO | 98 | $ 9,876,000 | $ 100,775 | $ 45,000 |
| Bloomington-Normal, IL | 97 | $ 11,235,000 | $ 115,824 | $ 50,000 |
| Springfield, IL | 97 | $ 9,982,000 | $ 102,907 | $ 45,000 |
| Charlottesville, VA | 96 | $ 16,472,000 | $ 171,583 | $ 51,000 |
| Olympia, WA | 96 | $ 21,737,000 | $ 226,427 | $ 70,000 |
| Clarksville, TN-KY | 95 | $ 10,807,000 | $ 113,757 | $ 53,705 |
| Santa Rosa-Petaluma, CA | 95 | $ 36,508,000 | $ 384,294 | $ 104,000 |
| Columbus, GA-AL | 91 | $ 12,295,000 | $ 135,109 | $ 52,000 |
| Fort Collins-Loveland, CO | 91 | $ 17,287,000 | $ 189,967 | $ 70,000 |
| Jackson, MI | 91 | $ 9,736,000 | $ 106,989 | $ 45,000 |
| Fort Walton Beach-Crestview-Destin, FL | 90 | $ 15,935,000 | $ 177,055 | $ 73,000 |
| Jefferson City, MO | 90 | $ 11,097,000 | $ 123,300 | $ 46,000 |
| Niles-Benton Harbor, MI | 88 | $ 9,398,000 | $ 106,795 | $ 41,000 |
| St. George, UT | 88 | $ 20,300,000 | $ 230,681 | $ 90,000 |
| Rochester, MN | 87 | $ 13,469,000 | $ 154,816 | $ 48,000 |
| Erie, PA | 86 | $ 8,967,000 | $ 104,267 | $ 135,000 |
| Hickory-Lenoir-Morganton, NC | 86 | $ 10,856,000 | $ 126,232 | $ 41,000 |
| College Station-Bryan, TX | 84 | $ 10,632,000 | $ 126,571 | $ 58,000 |
| Saginaw-Saginaw Township North, MI | 82 | $ 8,105,000 | $ 98,841 | $ 42,000 |
| Yuba City, CA | 81 | $ 20,547,000 | $ 253,666 | $ 66,000 |
| Racine, WI | 80 | $ 12,233,000 | $ 152,912 | $ 58,000 |
| Michigan City-La Porte, IN | 78 | $ 7,456,000 | $ 95,589 | $ 42,000 |
| Abilene, TX | 77 | $ 7,097,000 | $ 92,168 | $ 57,000 |
| St. Joseph, MO-KS | 77 | $ 8,115,000 | $ 105,389 | $ 38,948 |
| Monroe, MI | 76 | $ 11,321,000 | $ 148,960 | $ 53,000 |
| Greenville-Mauldin-Easley, SC | 75 | $ 8,885,000 | $ 118,466 | $ 43,000 |
| Kingsport-Bristol-Bristol, TN-VA | 75 | $ 9,386,000 | $ 125,146 | $ 46,200 |
| Wichita Falls, TX | 75 | $ 7,044,000 | $ 93,920 | $ 49,000 |
| Danville, VA | 74 | $ 7,263,000 | $ 98,148 | $ 46,000 |
| Sebastian-Vero Beach, FL | 74 | $ 14,253,000 | $ 192,608 | $ 61,000 |
| Elizabethtown, KY | 73 | $ 8,876,000 | $ 121,589 | $ 42,000 |
| Eugene-Springfield, OR | 73 | $ 13,123,000 | $ 179,767 | $ 49,000 |
| Fort Smith, AR-OK | 73 | $ 7,977,000 | $ 109,273 | $ 58,890 |
| Medford, OR | 72 | $ 17,472,000 | $ 242,666 | $ 68,000 |
| Gainesville, GA | 70 | $ 10,742,000 | $ 153,457 | $ 50,000 |
| Lafayette, IN | 69 | $ 6,777,000 | $ 98,217 | $ 50,000 |
| Columbia, MO | 68 | $ 9,250,000 | $ 136,029 | $ 44,000 |
| Farmington, NM | 68 | $ 11,570,000 | $ 170,147 | $ 78,000 |
| Gainesville, FL | 68 | $ 12,682,000 | $ 186,500 | $ 66,000 |
| Sioux Falls, SD | 68 | $ 10,009,000 | $ 147,191 | $ 50,000 |
| Ann Arbor, MI | 67 | $ 11,552,000 | $ 172,417 | $ 60,000 |
| Huntington-Ashland, WV-KY-OH | 67 | $ 8,717,000 | $ 130,104 | $ 87,298 |
| Palm Coast, FL | 67 | $ 13,685,000 | $ 204,253 | $ 60,000 |
| Jackson, TN | 64 | $ 6,876,000 | $ 107,437 | $ 50,000 |
| Sherman-Denison, TX | 64 | $ 7,389,000 | $ 115,453 | $ 56,000 |
| Anderson, IN | 63 | $ 5,504,000 | $ 87,365 | $ 43,000 |
| Janesville, WI | 63 | $ 8,167,000 | $ 129,634 | $ 53,000 |
| Kokomo, IN | 63 | $ 5,701,000 | $ 90,492 | $ 51,000 |
| Lawton, OK | 63 | $ 6,873,000 | $ 109,095 | $ 55,000 |
| Texarkana, Tx-Texarkana, AR | 63 | $ 7,291,000 | $ 115,730 | $ 56,222 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 61 | $ 10,039,000 | $ 164,573 | $ 54,000 |
| Panama City-Lynn Haven, FL | 61 | $ 10,437,000 | $ 171,098 | $ 60,000 |
| Houma-Bayou Cane-Thibodaux, LA | 60 | $ 8,578,000 | $ 142,966 | $ 61,000 |
| Sioux City, IA-NE-SD | 60 | $ 6,484,000 | $ 108,066 | $ 49,383 |
| Battle Creek, MI | 59 | $ 5,472,000 | $ 92,745 | $ 48,000 |
| Blacksburg-Christiansburg-Radford, VA | 58 | $ 7,549,000 | $ 130,155 | $ 42,000 |
| Wenatchee, WA | 57 | $ 10,494,000 | $ 184,105 | $ 61,000 |
| Green Bay, WI | 55 | $ 7,726,000 | $ 140,472 | $ 49,000 |
| Wilmington, NC | 54 | $ 8,693,000 | $ 160,981 | $ 75,000 |
| Mount Vernon-Anacortes, WA | 53 | $ 11,871,000 | $ 223,981 | $ 67,000 |
| Bloomington, IN | 52 | $ 5,394,000 | $ 103,730 | $ 48,000 |
| Decatur, IL | 51 | $ 5,116,000 | $ 100,313 | $ 49,000 |
| Morristown, TN | 51 | $ 6,802,000 | $ 133,372 | $ 49,000 |
| Cumberland, MD-WV | 50 | $ 6,000,000 | $ 120,000 | $ 41,000 |
| Lebanon, PA | 50 | $ 7,054,000 | $ 141,080 | $ 142,000 |
| Terre Haute, IN | 50 | $ 4,563,000 | $ 91,260 | $ 58,000 |
| Warner Robins, GA | 50 | $ 6,247,000 | $ 124,940 | $ 44,000 |
| Dalton, GA | 49 | $ 6,843,000 | $ 139,653 | $ 45,000 |
| San Angelo, TX | 49 | $ 5,628,000 | $ 114,857 | $ 50,000 |
| Boulder, CO | 48 | $ 12,463,000 | $ 259,645 | $ 63,000 |
| Bowling Green, KY | 48 | $ 5,789,000 | $ 120,604 | $ 47,000 |
| Odessa, TX | 48 | $ 6,127,000 | $ 127,645 | $ 78,000 |
| San Luis Obispo-Paso Robles, CA | 48 | $ 18,767,000 | $ 390,979 | $ 103,000 |
| Victoria, TX | 48 | $ 5,848,000 | $ 121,833 | $ 54,000 |
| Harrisonburg, VA | 47 | $ 7,906,000 | $ 168,212 | $ 59,000 |
| Logan, UT-ID | 47 | $ 7,710,000 | $ 164,042 | $ 53,000 |
| Redding, CA | 47 | $ 12,101,000 | $ 257,468 | $ 123,000 |
| Asheville, NC | 46 | $ 8,226,000 | $ 178,826 | $ 47,000 |
| Bellingham, WA | 46 | $ 10,467,000 | $ 227,543 | $ 61,000 |
| Johnson City, TN | 46 | $ 5,485,000 | $ 119,239 | $ 47,000 |
| Longview, WA | 46 | $ 7,694,000 | $ 167,260 | $ 52,000 |
| Pittsfield, MA | 46 | $ 7,736,000 | $ 168,173 | $ 63,000 |
| Santa Cruz-Watsonville, CA | 46 | $ 18,838,000 | $ 409,521 | $ 65,000 |
| Bay City, MI | 45 | $ 4,949,000 | $ 109,977 | $ 44,000 |
| Albany, GA | 44 | $ 4,485,000 | $ 101,931 | $ 142,000 |
| Chico, CA | 43 | $ 8,636,000 | $ 200,837 | $ 61,000 |
| Williamsport, PA | 43 | $ 4,610,000 | $ 107,209 | $ 103,000 |
| Athens-Clarke County, GA | 42 | $ 6,466,000 | $ 153,952 | $ 61,000 |
| Lawrence, KS | 42 | $ 6,193,000 | $ 147,452 | $ 49,000 |
| Muncie, IN | 42 | $ 3,445,000 | $ 82,023 | $ 39,000 |
| Owensboro, KY | 42 | $ 4,687,000 | $ 111,595 | $ 59,000 |
| Salinas, CA | 42 | $ 18,530,000 | $ 441,190 | $ 121,000 |
| Sheboygan, WI | 42 | $ 5,531,000 | $ 131,690 | $ 64,000 |
| Danville, IL | 41 | $ 3,463,000 | $ 84,463 | $ 55,000 |
| Hot Springs, AR | 41 | $ 5,573,000 | $ 135,926 | $ 49,000 |
| Johnstown, PA | 41 | $ 4,158,000 | $ 101,414 | $ 111,000 |
| Lafayette, LA | 41 | $ 5,792,000 | $ 141,268 | $ 54,000 |
| Eau Claire, WI | 40 | $ 5,385,000 | $ 134,625 | $ 50,000 |
| Flagstaff, AZ | 39 | $ 8,066,000 | $ 206,820 | $ 194,000 |
| Altoona, PA | 38 | $ 3,556,000 | $ 93,578 | $ 77,000 |
| Burlington, NC | 38 | $ 4,321,000 | $ 113,710 | $ 42,000 |
| Rocky Mount, NC | 38 | $ 4,323,000 | $ 113,763 | $ 55,000 |
| Lima, OH | 37 | $ 3,359,000 | $ 90,783 | $ 43,000 |
| Mansfield, OH | 37 | $ 4,529,000 | $ 122,405 | $ 106,000 |
| Rapid City, SD | 37 | $ 4,984,000 | $ 134,702 | $ 65,000 |
| Alexandria, LA | 36 | $ 4,416,000 | $ 122,666 | $ 44,000 |
| Florence, SC | 36 | $ 4,437,000 | $ 123,250 | $ 48,000 |
| Lake Charles, LA | 36 | $ 4,458,000 | $ 123,833 | $ 44,000 |
| Oshkosh-Neenah, WI | 36 | $ 4,569,000 | $ 126,916 | $ 46,000 |
| Fargo, ND-MN | 35 | $ 4,669,000 | $ 133,400 | $ 48,000 |
| Spartanburg, SC | 35 | $ 3,957,000 | $ 113,057 | $ 53,000 |
| Springfield, OH | 35 | $ 3,485,000 | $ 99,571 | $ 45,000 |
| Brunswick, GA | 34 | $ 3,973,000 | $ 116,852 | $ 48,000 |
| Greenville, NC | 33 | $ 3,860,000 | $ 116,969 | $ 46,000 |
| Wausau, WI | 33 | $ 3,575,000 | $ 108,333 | $ 44,000 |
| Cleveland, TN | 32 | $ 3,551,000 | $ 110,968 | $ 41,000 |
| Rome, GA | 31 | $ 4,202,000 | $ 135,548 | $ 40,000 |
| Pine Bluff, AR | 30 | $ 2,949,000 | $ 98,300 | $ 48,000 |
| Valdosta, GA | 30 | $ 3,498,000 | $ 116,600 | $ 47,000 |
| Goldsboro, NC | 29 | $ 3,172,000 | $ 109,379 | $ 41,000 |
| Hinesville-Fort Stewart, GA | 29 | $ 3,501,000 | $ 120,724 | $ 50,000 |
| Jacksonville, NC | 29 | $ 3,911,000 | $ 134,862 | $ 47,000 |
| Columbus, IN | 28 | $ 3,003,000 | $ 107,250 | $ 57,000 |
| Jonesboro, AR | 28 | $ 3,015,000 | $ 107,678 | $ 56,000 |
| Appleton, WI | 27 | $ 3,830,000 | $ 141,851 | $ 55,000 |
| Carson City, NV | 25 | $ 6,601,000 | $ 264,040 | $ 164,000 |
| La Crosse, WI-MN | 25 | $ 3,592,000 | $ 143,680 | $ 60,960 |
| Monroe, LA | 24 | $ 2,677,000 | $ 111,541 | $ 41,000 |
| State College, PA | 24 | $ 4,287,000 | $ 178,625 | $ 203,000 |
| Sumter, SC | 23 | $ 2,736,000 | $ 118,956 | $ 46,000 |
| Bend, OR | 22 | $ 5,668,000 | $ 257,636 | $ 59,000 |
| Casper, WY | 22 | $ 2,960,000 | $ 134,545 | $ 46,000 |
| Napa, CA | 22 | $ 10,389,000 | $ 472,227 | $ 66,000 |
| Wheeling, WV-OH | 22 | $ 2,580,000 | $ 117,272 | $ 79,000 |
| Anderson, SC | 21 | $ 2,489,000 | $ 118,523 | $ 41,000 |
| Sandusky, OH | 21 | $ 3,209,000 | $ 152,809 | $ 47,000 |
| Fond Du Lac, WI | 19 | $ 2,345,000 | $ 123,421 | $ 63,000 |
| Cheyenne, WY | 18 | $ 2,572,000 | $ 142,888 | $ 46,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 16 | $ 2,055,000 | $ 128,437 | $ 85,000 |
| Corvallis, OR | 15 | $ 2,915,000 | $ 194,333 | $ 68,000 |
| Weirton-Steubenville, WV-OH | 14 | $ 1,306,000 | $ 93,285 | $ 53,000 |
| Boise City-Nampa, ID | 13 | $ 2,079,000 | $ 159,923 | $ 65,000 |
| Grand Forks, ND-MN | 12 | $ 1,573,000 | $ 131,083 | $ 53,000 |
| Lewiston, ID-WA | 11 | $ 1,246,000 | $ 113,272 | $ 49,000 |
| Des Moines-West Des Moines, IA | 10 | $ 1,079,000 | $ 107,900 | $ 110,000 |
| Billings, MT | 9 | $ 1,708,000 | $ 189,777 | $ 70,000 |
| Missoula, MT | 9 | $ 2,184,000 | $ 242,666 | $ 78,000 |
| Waterloo-Cedar Falls, IA | 8 | $ 606,000 | $ 75,750 | $ 37,000 |
| Great Falls, MT | 6 | $ 838,000 | $ 139,666 | $ 55,000 |
| Charleston, WV | 3 | $ 294,000 | $ 98,000 | $ 96,000 |
| Cedar Rapids, IA | 2 | $ 147,000 | $ 73,500 | $ 60,000 |
| Jackson, MS | 2 | $ 284,000 | $ 142,000 | $ 26,000 |
| Idaho Falls, ID | 1 | $ 144,000 | $ 144,000 | $ 132,000 |
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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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