First Nlc Financial Services, Mortgage Lending & HMDA Data, 2004
In 2004, First Nlc Financial Services, of Boca Raton, FL reported 40,204 mortgage applications totaling $5.8 billion, up 89% from 2003. The average application was for $143,502, and applicants reported an average income of $70,863. 56% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (3,267), Miami-Miami Beach-Kendall, FL (3,140) and Riverside-San Bernardino-Ontario, CA (1,888) (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 | 40,204 |
| Total Mortgage Loan Application Amount | $5,769,384,000 |
| Average Mortgage Loan Application Amount | $143,502 |
| Highest Mortgage Loan Application Amount | $2,896,000 |
| Average Applicant Income | $70,863 |
| Highest Applicant Income | $1,789,000 |
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records First Nlc Financial Services, filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,267 | $ 523,308,000 | $ 160,179 | $ 71,000 |
| Miami-Miami Beach-Kendall, FL | 3,140 | $ 418,581,000 | $ 133,306 | $ 68,000 |
| Riverside-San Bernardino-Ontario, CA | 1,888 | $ 308,092,000 | $ 163,184 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,836 | $ 389,349,000 | $ 212,063 | $ 97,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,755 | $ 230,531,000 | $ 131,356 | $ 69,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,123 | $ 180,948,000 | $ 161,129 | $ 101,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,093 | $ 111,234,000 | $ 101,769 | $ 50,000 |
| Oakland-Fremont-Hayward, CA | 1,083 | $ 237,012,000 | $ 218,847 | $ 111,000 |
| Detroit-Livonia-Dearborn, MI | 1,068 | $ 97,231,000 | $ 91,040 | $ 63,000 |
| Phoenix-Mesa-Scottsdale, AZ | 950 | $ 82,212,000 | $ 86,538 | $ 60,000 |
| San Diego-Carlsbad-San Marcos, CA | 806 | $ 190,089,000 | $ 235,842 | $ 113,000 |
| Las Vegas-Paradise, NV | 745 | $ 105,647,000 | $ 141,808 | $ 66,000 |
| Santa Ana-Anaheim-Irvine, CA | 708 | $ 183,797,000 | $ 259,600 | $ 124,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 698 | $ 168,876,000 | $ 241,942 | $ 116,000 |
| Warren-Farmington Hills-Troy, MI | 598 | $ 87,345,000 | $ 146,061 | $ 65,000 |
| Orlando, FL | 574 | $ 61,884,000 | $ 107,811 | $ 53,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 562 | $ 78,216,000 | $ 139,174 | $ 62,000 |
| Atlanta-Sandy Springs-Marietta, GA | 556 | $ 69,017,000 | $ 124,131 | $ 75,000 |
| Stockton, CA | 525 | $ 88,106,000 | $ 167,820 | $ 85,000 |
| Providence-New Bedford-Fall River, RI-MA | 520 | $ 83,703,000 | $ 160,967 | $ 67,000 |
| Pittsburgh, PA | 489 | $ 46,727,000 | $ 95,556 | $ 55,000 |
| Modesto, CA | 407 | $ 59,328,000 | $ 145,769 | $ 79,000 |
| Memphis, TN-MS-AR | 354 | $ 30,115,000 | $ 85,070 | $ 54,000 |
| Vallejo-Fairfield, CA | 313 | $ 61,872,000 | $ 197,674 | $ 100,000 |
| Jacksonville, FL | 312 | $ 32,251,000 | $ 103,368 | $ 65,000 |
| Denver-Aurora, CO | 309 | $ 46,270,000 | $ 149,741 | $ 76,000 |
| Baltimore-Towson, MD | 288 | $ 39,524,000 | $ 137,236 | $ 69,000 |
| Bakersfield, CA | 247 | $ 27,989,000 | $ 113,315 | $ 56,000 |
| Bethesda-Frederick-Gaithersburg, MD | 247 | $ 45,776,000 | $ 185,327 | $ 79,000 |
| Fresno, CA | 242 | $ 27,403,000 | $ 113,235 | $ 59,000 |
| Seattle-Bellevue-Everett, WA | 242 | $ 38,328,000 | $ 158,380 | $ 72,000 |
| Nashville-Davidson--Murfreesboro, TN | 220 | $ 20,438,000 | $ 92,900 | $ 51,000 |
| Lake County-Kenosha County, IL-WI | 216 | $ 38,350,000 | $ 177,546 | $ 75,000 |
| Charlotte-Gastonia-Concord, NC-SC | 205 | $ 19,490,000 | $ 95,073 | $ 57,000 |
| Indianapolis, IN | 201 | $ 17,302,000 | $ 86,079 | $ 51,000 |
| Philadelphia, PA | 201 | $ 27,086,000 | $ 134,756 | $ 68,000 |
| Cape Coral-Fort Myers, FL | 199 | $ 21,133,000 | $ 106,195 | $ 69,000 |
| Greensboro-High Point, NC | 189 | $ 16,807,000 | $ 88,925 | $ 55,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 188 | $ 35,246,000 | $ 187,478 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 188 | $ 19,438,000 | $ 103,393 | $ 49,000 |
| Port St. Lucie-Fort Pierce, FL | 187 | $ 22,451,000 | $ 120,058 | $ 59,000 |
| Santa Rosa-Petaluma, CA | 185 | $ 39,676,000 | $ 214,464 | $ 90,000 |
| Gary, IN | 177 | $ 16,367,000 | $ 92,468 | $ 58,000 |
| New Orleans-Metairie-Kenner, LA | 171 | $ 17,866,000 | $ 104,479 | $ 69,000 |
| Milwaukee-Waukesha-West Allis, WI | 169 | $ 17,193,000 | $ 101,733 | $ 54,000 |
| Raleigh-Cary, NC | 167 | $ 16,802,000 | $ 100,610 | $ 57,000 |
| San Francisco-San Mateo-Redwood City, CA | 166 | $ 47,953,000 | $ 288,873 | $ 132,000 |
| Richmond, VA | 160 | $ 17,457,000 | $ 109,106 | $ 51,000 |
| Toledo, OH | 148 | $ 13,542,000 | $ 91,500 | $ 54,000 |
| Hartford-West Hartford-East Hartford, CT | 142 | $ 17,345,000 | $ 122,147 | $ 62,000 |
| Lakeland, FL | 141 | $ 12,009,000 | $ 85,170 | $ 48,000 |
| Salinas, CA | 135 | $ 30,395,000 | $ 225,148 | $ 112,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 134 | $ 12,511,000 | $ 93,365 | $ 52,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 129 | $ 34,149,000 | $ 264,720 | $ 120,000 |
| Portland-Vancouver-Beaverton, OR-WA | 129 | $ 15,204,000 | $ 117,860 | $ 73,000 |
| Sarasota-Bradenton-Venice, FL | 128 | $ 16,476,000 | $ 128,718 | $ 69,000 |
| Merced, CA | 123 | $ 17,934,000 | $ 145,804 | $ 77,000 |
| Tacoma, WA | 121 | $ 14,909,000 | $ 123,214 | $ 69,000 |
| Palm Bay-Melbourne-Titusville, FL | 111 | $ 11,134,000 | $ 100,306 | $ 52,000 |
| Yuba City, CA | 110 | $ 14,279,000 | $ 129,809 | $ 81,000 |
| Visalia-Porterville, CA | 108 | $ 10,866,000 | $ 100,611 | $ 70,000 |
| Boston-Quincy, MA | 105 | $ 22,506,000 | $ 214,342 | $ 84,000 |
| Winston-Salem, NC | 105 | $ 9,410,000 | $ 89,619 | $ 48,000 |
| Worcester, MA | 103 | $ 17,689,000 | $ 171,737 | $ 70,000 |
| Louisville, KY-IN | 98 | $ 8,295,000 | $ 84,642 | $ 50,000 |
| Grand Rapids-Wyoming, MI | 94 | $ 9,701,000 | $ 103,202 | $ 58,000 |
| St. Louis, MO-IL | 93 | $ 8,466,000 | $ 91,032 | $ 45,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 92 | $ 9,314,000 | $ 101,239 | $ 52,000 |
| Naples-Marco Island, FL | 89 | $ 13,308,000 | $ 149,528 | $ 68,000 |
| New Haven-Milford, CT | 89 | $ 10,970,000 | $ 123,258 | $ 63,000 |
| Flint, MI | 88 | $ 9,018,000 | $ 102,477 | $ 46,000 |
| Cincinnati-Middletown, OH-KY-IN | 83 | $ 8,164,000 | $ 98,361 | $ 57,000 |
| Columbus, OH | 83 | $ 9,257,000 | $ 111,530 | $ 55,000 |
| Springfield, MA | 83 | $ 9,924,000 | $ 119,566 | $ 51,000 |
| Boise City-Nampa, ID | 81 | $ 8,748,000 | $ 108,000 | $ 55,000 |
| Spokane, WA | 80 | $ 7,775,000 | $ 97,187 | $ 47,000 |
| Cleveland-Elyria-Mentor, OH | 73 | $ 7,822,000 | $ 107,150 | $ 52,000 |
| Bridgeport-Stamford-Norwalk, CT | 72 | $ 12,770,000 | $ 177,361 | $ 72,000 |
| Madera, CA | 71 | $ 7,580,000 | $ 106,760 | $ 57,000 |
| Harrisburg-Carlisle, PA | 68 | $ 6,766,000 | $ 99,500 | $ 56,000 |
| Lansing-East Lansing, MI | 65 | $ 5,447,000 | $ 83,800 | $ 53,000 |
| Durham, NC | 64 | $ 6,650,000 | $ 103,906 | $ 52,000 |
| Napa, CA | 60 | $ 14,414,000 | $ 240,233 | $ 144,000 |
| Rockford, IL | 58 | $ 6,063,000 | $ 104,534 | $ 58,000 |
| Santa Cruz-Watsonville, CA | 57 | $ 13,812,000 | $ 242,315 | $ 109,000 |
| Rocky Mount, NC | 54 | $ 4,196,000 | $ 77,703 | $ 46,000 |
| Ann Arbor, MI | 50 | $ 8,204,000 | $ 164,080 | $ 77,000 |
| Cambridge-Newton-Framingham, MA | 49 | $ 10,496,000 | $ 214,204 | $ 82,000 |
| Essex County, MA | 49 | $ 10,286,000 | $ 209,918 | $ 84,000 |
| Peoria, IL | 48 | $ 3,686,000 | $ 76,791 | $ 43,000 |
| Dayton, OH | 47 | $ 4,039,000 | $ 85,936 | $ 47,000 |
| Knoxville, TN | 47 | $ 4,490,000 | $ 95,531 | $ 59,000 |
| Norwich-New London, CT | 47 | $ 7,047,000 | $ 149,936 | $ 62,000 |
| Des Moines, IA | 46 | $ 4,972,000 | $ 108,086 | $ 47,000 |
| Baton Rouge, LA | 45 | $ 3,663,000 | $ 81,400 | $ 38,000 |
| El Centro, CA | 44 | $ 5,189,000 | $ 117,931 | $ 50,000 |
| Salt Lake City, UT | 44 | $ 6,141,000 | $ 139,568 | $ 84,000 |
| Kansas City, MO-KS | 42 | $ 3,565,000 | $ 84,880 | $ 50,000 |
| Tulsa, OK | 42 | $ 3,933,000 | $ 93,642 | $ 108,000 |
| Dallas-Plano-Irving, TX | 40 | $ 6,023,000 | $ 150,575 | $ 80,000 |
| Hanford-Corcoran, CA | 39 | $ 4,758,000 | $ 122,000 | $ 57,000 |
| Oklahoma City, OK | 39 | $ 3,653,000 | $ 93,666 | $ 58,000 |
| Michigan City-La Porte, IN | 37 | $ 2,723,000 | $ 73,594 | $ 39,000 |
| Bremerton-Silverdale, WA | 36 | $ 5,804,000 | $ 161,222 | $ 70,000 |
| Kalamazoo-Portage, MI | 34 | $ 3,113,000 | $ 91,558 | $ 46,000 |
| Little Rock-North Little Rock, AR | 34 | $ 3,422,000 | $ 100,647 | $ 66,000 |
| Scranton--Wilkes-Barre, PA | 34 | $ 2,671,000 | $ 78,558 | $ 47,000 |
| Chattanooga, TN-GA | 33 | $ 2,577,000 | $ 78,090 | $ 46,000 |
| Canton-Massillon, OH | 32 | $ 2,458,000 | $ 76,812 | $ 44,000 |
| Evansville, IN-KY | 31 | $ 2,800,000 | $ 90,322 | $ 39,000 |
| Greeley, CO | 30 | $ 3,612,000 | $ 120,400 | $ 49,000 |
| Houston-Baytown-Sugar Land, TX | 30 | $ 4,381,000 | $ 146,033 | $ 77,000 |
| Kennewick-Richland-Pasco, WA | 30 | $ 2,773,000 | $ 92,433 | $ 59,000 |
| Bloomington-Normal, IL | 29 | $ 3,195,000 | $ 110,172 | $ 54,000 |
| Akron, OH | 28 | $ 2,344,000 | $ 83,714 | $ 43,000 |
| Erie, PA | 28 | $ 2,461,000 | $ 87,892 | $ 43,000 |
| South Bend-Mishawaka, IN-MI | 27 | $ 1,821,000 | $ 67,444 | $ 69,000 |
| Coeur D'Alene, ID | 26 | $ 2,524,000 | $ 97,076 | $ 52,000 |
| Monroe, MI | 26 | $ 3,336,000 | $ 128,307 | $ 64,000 |
| Elkhart-Goshen, IN | 25 | $ 1,929,000 | $ 77,160 | $ 45,000 |
| Fort Wayne, IN | 25 | $ 2,074,000 | $ 82,960 | $ 45,000 |
| Saginaw-Saginaw Township North, MI | 25 | $ 2,113,000 | $ 84,520 | $ 45,000 |
| Tucson, AZ | 25 | $ 2,965,000 | $ 118,600 | $ 63,000 |
| Asheville, NC | 24 | $ 2,764,000 | $ 115,166 | $ 57,000 |
| Chico, CA | 24 | $ 2,544,000 | $ 106,000 | $ 55,000 |
| Colorado Springs, CO | 24 | $ 2,542,000 | $ 105,916 | $ 58,000 |
| Ocala, FL | 24 | $ 2,103,000 | $ 87,625 | $ 59,000 |
| Racine, WI | 24 | $ 2,978,000 | $ 124,083 | $ 65,000 |
| Yakima, WA | 22 | $ 2,290,000 | $ 104,090 | $ 62,000 |
| Youngstown-Warren-Boardman, OH-PA | 22 | $ 1,782,000 | $ 81,000 | $ 44,000 |
| Shreveport-Bossier City, LA | 21 | $ 1,929,000 | $ 91,857 | $ 49,000 |
| Gainesville, FL | 20 | $ 1,564,000 | $ 78,200 | $ 44,000 |
| Jackson, MI | 20 | $ 2,211,000 | $ 110,550 | $ 44,000 |
| Holland-Grand Haven, MI | 19 | $ 2,119,000 | $ 111,526 | $ 47,000 |
| Jackson, TN | 19 | $ 1,816,000 | $ 95,578 | $ 54,000 |
| Kankakee-Bradley, IL | 19 | $ 1,565,000 | $ 82,368 | $ 39,000 |
| Terre Haute, IN | 19 | $ 1,113,000 | $ 58,578 | $ 33,000 |
| Battle Creek, MI | 18 | $ 1,661,000 | $ 92,277 | $ 50,000 |
| Madison, WI | 18 | $ 2,570,000 | $ 142,777 | $ 63,000 |
| Pensacola-Ferry Pass-Brent, FL | 18 | $ 2,987,000 | $ 165,944 | $ 97,000 |
| Springfield, OH | 18 | $ 1,423,000 | $ 79,055 | $ 43,000 |
| Macon, GA | 17 | $ 1,131,000 | $ 66,529 | $ 44,000 |
| Salem, OR | 17 | $ 1,746,000 | $ 102,705 | $ 51,000 |
| Vero Beach, FL | 17 | $ 1,480,000 | $ 87,058 | $ 62,000 |
| Waterloo-Cedar Falls, IA | 17 | $ 1,452,000 | $ 85,411 | $ 42,000 |
| York-Hanover, PA | 17 | $ 1,740,000 | $ 102,352 | $ 48,000 |
| Bellingham, WA | 16 | $ 2,540,000 | $ 158,750 | $ 82,000 |
| Bloomington, IN | 16 | $ 1,286,000 | $ 80,375 | $ 45,000 |
| Fort Collins-Loveland, CO | 16 | $ 2,341,000 | $ 146,312 | $ 86,000 |
| Jacksonville, NC | 16 | $ 1,020,000 | $ 63,750 | $ 43,000 |
| Las Cruces, NM | 16 | $ 1,599,000 | $ 99,937 | $ 47,000 |
| Ogden-Clearfield, UT | 16 | $ 1,533,000 | $ 95,812 | $ 43,000 |
| Lafayette, IN | 15 | $ 1,596,000 | $ 106,400 | $ 67,000 |
| Lima, OH | 15 | $ 1,194,000 | $ 79,600 | $ 46,000 |
| Boulder, CO | 14 | $ 2,061,000 | $ 147,214 | $ 73,000 |
| Lebanon, PA | 14 | $ 1,285,000 | $ 91,785 | $ 50,000 |
| Pueblo, CO | 14 | $ 1,304,000 | $ 93,142 | $ 36,000 |
| Roanoke, VA | 14 | $ 1,027,000 | $ 73,357 | $ 43,000 |
| Barnstable Town, MA | 13 | $ 2,401,000 | $ 184,692 | $ 81,000 |
| Duluth, MN-WI | 13 | $ 1,501,000 | $ 115,461 | $ 45,000 |
| Greenville, NC | 13 | $ 966,000 | $ 74,307 | $ 44,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 2,643,000 | $ 203,307 | $ 62,000 |
| Lancaster, PA | 13 | $ 1,900,000 | $ 146,153 | $ 90,000 |
| Lexington-Fayette, KY | 13 | $ 1,274,000 | $ 98,000 | $ 51,000 |
| Niles-Benton Harbor, MI | 13 | $ 1,062,000 | $ 81,692 | $ 34,000 |
| Olympia, WA | 13 | $ 1,861,000 | $ 143,153 | $ 63,000 |
| San Antonio, TX | 13 | $ 2,748,000 | $ 211,384 | $ 108,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 13 | $ 3,858,000 | $ 296,769 | $ 121,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 1,480,000 | $ 123,333 | $ 76,000 |
| Hickory-Lenoir-Morganton, NC | 12 | $ 871,000 | $ 72,583 | $ 64,000 |
| Hot Springs, AR | 12 | $ 1,086,000 | $ 90,500 | $ 48,000 |
| Kokomo, IN | 12 | $ 987,000 | $ 82,250 | $ 30,000 |
| Longview, WA | 12 | $ 1,304,000 | $ 108,666 | $ 42,000 |
| Muskegon-Norton Shores, MI | 12 | $ 1,505,000 | $ 125,416 | $ 39,000 |
| Prescott, AZ | 12 | $ 1,605,000 | $ 133,750 | $ 67,000 |
| Salisbury, MD | 12 | $ 951,000 | $ 79,250 | $ 47,000 |
| Tallahassee, FL | 12 | $ 1,017,000 | $ 84,750 | $ 44,000 |
| Yuma, AZ | 12 | $ 1,082,000 | $ 90,166 | $ 72,000 |
| Anderson, IN | 11 | $ 822,000 | $ 74,727 | $ 40,000 |
| Austin-Round Rock, TX | 11 | $ 1,893,000 | $ 172,090 | $ 79,000 |
| Danville, IL | 11 | $ 812,000 | $ 73,818 | $ 47,000 |
| Medford, OR | 11 | $ 1,250,000 | $ 113,636 | $ 88,000 |
| Punta Gorda, FL | 11 | $ 1,297,000 | $ 117,909 | $ 50,000 |
| San Luis Obispo-Paso Robles, CA | 11 | $ 2,591,000 | $ 235,545 | $ 79,000 |
| Clarksville, TN-KY | 10 | $ 1,088,000 | $ 108,800 | $ 52,000 |
| Flagstaff, AZ | 10 | $ 1,321,000 | $ 132,100 | $ 82,000 |
| Fort Worth-Arlington, TX | 10 | $ 1,341,000 | $ 134,100 | $ 103,000 |
| Appleton, WI | 9 | $ 691,000 | $ 76,777 | $ 37,000 |
| Cedar Rapids, IA | 9 | $ 682,000 | $ 75,777 | $ 47,000 |
| Cumberland, MD-WV | 9 | $ 796,000 | $ 88,444 | $ 57,000 |
| Fayetteville, NC | 9 | $ 813,000 | $ 90,333 | $ 68,000 |
| Green Bay, WI | 9 | $ 817,000 | $ 90,777 | $ 51,000 |
| Mount Vernon-Anacortes, WA | 9 | $ 1,277,000 | $ 141,888 | $ 71,000 |
| Pittsfield, MA | 9 | $ 1,272,000 | $ 141,333 | $ 66,000 |
| Rapid City, SD | 9 | $ 934,000 | $ 103,777 | $ 44,000 |
| Reading, PA | 9 | $ 1,078,000 | $ 119,777 | $ 50,000 |
| Redding, CA | 9 | $ 1,947,000 | $ 216,333 | $ 88,000 |
| Sioux City, IA-NE-SD | 9 | $ 1,062,000 | $ 118,000 | $ 61,000 |
| Sioux Falls, SD | 9 | $ 893,000 | $ 99,222 | $ 53,000 |
| St. Cloud, MN | 9 | $ 1,240,000 | $ 137,777 | $ 38,000 |
| Wilmington, NC | 9 | $ 1,329,000 | $ 147,666 | $ 64,000 |
| Bay City, MI | 8 | $ 624,000 | $ 78,000 | $ 41,000 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 834,000 | $ 104,250 | $ 51,000 |
| Eugene-Springfield, OR | 8 | $ 722,000 | $ 90,250 | $ 39,000 |
| Grand Junction, CO | 8 | $ 787,000 | $ 98,375 | $ 59,000 |
| Houma-Bayou Cane-Thibodaux, LA | 8 | $ 535,000 | $ 66,875 | $ 47,000 |
| Lynchburg, VA | 8 | $ 438,000 | $ 54,750 | $ 43,000 |
| Provo-Orem, UT | 8 | $ 1,161,000 | $ 145,125 | $ 73,000 |
| Wenatchee, WA | 8 | $ 1,321,000 | $ 165,125 | $ 118,000 |
| Burlington, NC | 7 | $ 484,000 | $ 69,142 | $ 42,000 |
| Decatur, IL | 7 | $ 650,000 | $ 92,857 | $ 63,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 762,000 | $ 108,857 | $ 41,000 |
| Idaho Falls, ID | 7 | $ 548,000 | $ 78,285 | $ 50,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 633,000 | $ 90,428 | $ 59,000 |
| Owensboro, KY | 7 | $ 425,000 | $ 60,714 | $ 33,000 |
| Panama City-Lynn Haven, FL | 7 | $ 936,000 | $ 133,714 | $ 53,000 |
| Springfield, IL | 7 | $ 510,000 | $ 72,857 | $ 52,000 |
| Wilmington, DE-MD-NJ | 7 | $ 867,000 | $ 123,857 | $ 64,000 |
| Albuquerque, NM | 6 | $ 1,200,000 | $ 200,000 | $ 96,000 |
| Alexandria, LA | 6 | $ 419,000 | $ 69,833 | $ 40,000 |
| Champaign-Urbana, IL | 6 | $ 702,000 | $ 117,000 | $ 68,000 |
| Charlottesville, VA | 6 | $ 787,000 | $ 131,166 | $ 63,000 |
| Cleveland, TN | 6 | $ 477,000 | $ 79,500 | $ 40,000 |
| Columbus, IN | 6 | $ 458,000 | $ 76,333 | $ 38,000 |
| Goldsboro, NC | 6 | $ 401,000 | $ 66,833 | $ 42,000 |
| Lake Charles, LA | 6 | $ 1,095,000 | $ 182,500 | $ 93,000 |
| Lewiston, ID-WA | 6 | $ 506,000 | $ 84,333 | $ 49,000 |
| Mansfield, OH | 6 | $ 501,000 | $ 83,500 | $ 36,000 |
| Oshkosh-Neenah, WI | 6 | $ 530,000 | $ 88,333 | $ 55,000 |
| Pine Bluff, AR | 6 | $ 785,000 | $ 130,833 | $ 45,000 |
| Reno-Sparks, NV | 6 | $ 755,000 | $ 125,833 | $ 55,000 |
| Rochester, MN | 6 | $ 631,000 | $ 105,166 | $ 37,000 |
| Williamsport, PA | 6 | $ 596,000 | $ 99,333 | $ 52,000 |
| Winchester, VA-WV | 6 | $ 861,000 | $ 143,500 | $ 47,000 |
| Beaumont-Port Arthur, TX | 5 | $ 440,000 | $ 88,000 | $ 53,000 |
| El Paso, TX | 5 | $ 410,000 | $ 82,000 | $ 70,000 |
| Johnson City, TN | 5 | $ 589,000 | $ 117,800 | $ 54,000 |
| Muncie, IN | 5 | $ 268,000 | $ 53,600 | $ 42,000 |
| Newark-Union, NJ-PA | 5 | $ 1,233,000 | $ 246,600 | $ 106,000 |
| Pocatello, ID | 5 | $ 362,000 | $ 72,400 | $ 39,000 |
| St. George, UT | 5 | $ 429,000 | $ 85,800 | $ 57,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 777,000 | $ 194,250 | $ 67,000 |
| Fort Smith, AR-OK | 4 | $ 258,000 | $ 64,500 | $ 27,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 397,000 | $ 99,250 | $ 45,000 |
| Lafayette, LA | 4 | $ 535,000 | $ 133,750 | $ 29,000 |
| Manchester-Nashua, NH | 4 | $ 700,000 | $ 175,000 | $ 64,000 |
| Morristown, TN | 4 | $ 346,000 | $ 86,500 | $ 25,000 |
| Sandusky, OH | 4 | $ 359,000 | $ 89,750 | $ 30,000 |
| Savannah, GA | 4 | $ 604,000 | $ 151,000 | $ 38,000 |
| Tyler, TX | 4 | $ 351,000 | $ 87,750 | $ 42,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 340,000 | $ 85,000 | $ 51,000 |
| Albany, GA | 3 | $ 257,000 | $ 85,666 | $ 51,000 |
| Altoona, PA | 3 | $ 228,000 | $ 76,000 | $ 47,000 |
| Ames, IA | 3 | $ 270,000 | $ 90,000 | $ 40,000 |
| Cheyenne, WY | 3 | $ 210,000 | $ 70,000 | $ 31,000 |
| Columbia, MO | 3 | $ 222,000 | $ 74,000 | $ 60,000 |
| Corvallis, OR | 3 | $ 208,000 | $ 69,333 | $ 42,000 |
| Dalton, GA | 3 | $ 228,000 | $ 76,000 | $ 34,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 283,000 | $ 94,333 | $ 58,000 |
| Sheboygan, WI | 3 | $ 313,000 | $ 104,333 | $ 63,000 |
| Valdosta, GA | 3 | $ 381,000 | $ 127,000 | $ 73,000 |
| Wausau, WI | 3 | $ 204,000 | $ 68,000 | $ 39,000 |
| Athens-Clarke County, GA | 2 | $ 158,000 | $ 79,000 | $ 30,000 |
| Bend, OR | 2 | $ 314,000 | $ 157,000 | $ 52,000 |
| Brownsville-Harlingen, TX | 2 | $ 483,000 | $ 241,500 | $ 172,000 |
| Carson City, NV | 2 | $ 499,000 | $ 249,500 | $ 50,000 |
| Dubuque, IA | 2 | $ 188,000 | $ 94,000 | $ 41,000 |
| Edison, NJ | 2 | $ 134,000 | $ 67,000 | $ 65,000 |
| Fond Du Lac, WI | 2 | $ 136,000 | $ 68,000 | $ 31,000 |
| Gainesville, GA | 2 | $ 383,000 | $ 191,500 | $ 67,000 |
| Janesville, WI | 2 | $ 105,000 | $ 52,500 | $ 47,000 |
| Johnstown, PA | 2 | $ 183,000 | $ 91,500 | $ 63,000 |
| Jonesboro, AR | 2 | $ 132,000 | $ 66,000 | $ 18,000 |
| La Crosse, WI-MN | 2 | $ 103,000 | $ 51,500 | $ 77,000 |
| Lawton, OK | 2 | $ 225,000 | $ 112,500 | $ 58,000 |
| Monroe, LA | 2 | $ 242,000 | $ 121,000 | $ 57,000 |
| Rockingham County-Strafford County, NH | 2 | $ 159,000 | $ 79,500 | $ 40,000 |
| Sherman-Denison, TX | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| St. Joseph, MO-KS | 2 | $ 200,000 | $ 100,000 | $ 60,000 |
| Waco, TX | 2 | $ 110,000 | $ 55,000 | $ 28,000 |
| Camden, NJ | 1 | $ 98,000 | $ 98,000 | $ 27,000 |
| Columbia, SC | 1 | $ 126,000 | $ 126,000 | $ 47,000 |
| Corpus Christi, TX | 1 | $ 185,000 | $ 185,000 | $ 35,000 |
| Danville, VA | 1 | $ 66,000 | $ 66,000 | $ 21,000 |
| Eau Claire, WI | 1 | $ 90,000 | $ 90,000 | $ 26,000 |
| Elizabethtown, KY | 1 | $ 142,000 | $ 142,000 | $ 49,000 |
| Florence, SC | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Harrisonburg, VA | 1 | $ 94,000 | $ 94,000 | $ 21,000 |
| Joplin, MO | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Laredo, TX | 1 | $ 107,000 | $ 107,000 | $ 43,000 |
| Lincoln, NE | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Longview, TX | 1 | $ 88,000 | $ 88,000 | $ 29,000 |
| Missoula, MT | 1 | $ 152,000 | $ 152,000 | $ 52,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 139,000 | $ 139,000 | $ 60,000 |
| Spartanburg, SC | 1 | $ 67,000 | $ 67,000 | $ 37,000 |
| Springfield, MO | 1 | $ 88,000 | $ 88,000 | $ 48,000 |
| State College, PA | 1 | $ 146,000 | $ 146,000 | $ 52,000 |
| Topeka, KS | 1 | $ 96,000 | $ 96,000 | $ 50,000 |
| Trenton-Ewing, NJ | 1 | $ 121,000 | $ 121,000 | $ 46,000 |
| Warner Robins, GA | 1 | $ 50,000 | $ 50,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for First Nlc Financial Services, in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 22,126 | $2,981,116,000 | $106,750 | $2,156,000 | $63,000 | $1,200,000 |
| Refinancing | 18,069 | $2,787,412,000 | $132,317 | $2,896,000 | $60,219 | $1,789,000 |
| Home Improvement | 9 | $856,000 | $90,800 | $320,000 | $53,000 | $76,000 |
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 | 15,851 | $2,198,726,000 | $121,024 | $2,896,000 | $63,463 | $1,789,000 |
| Hispanic | 8,870 | $1,312,124,000 | $113,312 | $1,372,000 | $57,187 | $695,000 |
| Black or African American | 7,397 | $888,865,000 | $120,777 | $671,000 | $62,888 | $1,200,000 |
| Not Provided | 3,276 | $521,081,000 | $129,567 | $940,000 | $65,648 | $1,563,000 |
| American Indian or Alaskan Native | 3,104 | $522,181,000 | $110,774 | $650,000 | $53,064 | $1,582,000 |
| Asian | 1,407 | $274,795,000 | $148,888 | $1,000,000 | $71,481 | $528,000 |
| Native Hawaiian or Other Pacific Islander | 299 | $51,612,000 | $135,407 | $640,000 | $57,962 | $240,000 |
| 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) | 40,204 | $5,769,384,000 | $118,463 | $2,896,000 | $60,756 | $1,789,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 22,457 | $3,186,775,000 | $116,350 | $2,896,000 | $59,400 | $1,789,000 |
| Application Withdrawn By Applicant | 11,891 | $1,753,541,000 | $122,951 | $1,800,000 | $62,341 | $1,563,000 |
| Application Denied By Financial Institution | 3,240 | $418,809,000 | $119,200 | $975,000 | $61,971 | $744,000 |
| Application Approved But Not Accepted | 1,462 | $204,881,000 | $119,333 | $604,000 | $58,121 | $479,000 |
| File Closed For Incompleteness | 1,154 | $205,378,000 | $135,483 | $770,000 | $67,096 | $1,318,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2004 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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