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records First Nlc Financial Services, filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 12,026 | $ 1,923,849,000 | $ 159,974 | $ 54,000 |
| Riverside-San Bernardino-Ontario, CA | 5,825 | $ 1,368,213,000 | $ 234,886 | $ 85,000 |
| Los Angeles-Long Beach-Glendale, CA | 5,157 | $ 1,411,556,000 | $ 273,716 | $ 94,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4,643 | $ 695,073,000 | $ 149,703 | $ 59,000 |
| Miami-Miami Beach-Kendall, FL | 4,020 | $ 641,380,000 | $ 159,547 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2,943 | $ 391,166,000 | $ 132,914 | $ 52,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2,777 | $ 662,756,000 | $ 238,658 | $ 95,000 |
| Las Vegas-Paradise, NV | 2,579 | $ 514,379,000 | $ 199,449 | $ 69,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2,546 | $ 454,104,000 | $ 178,359 | $ 37,000 |
| Orlando, FL | 2,527 | $ 363,098,000 | $ 143,687 | $ 50,000 |
| Houston-Baytown-Sugar Land, TX | 2,507 | $ 272,445,000 | $ 108,673 | $ 46,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2,503 | $ 406,232,000 | $ 162,298 | $ 70,000 |
| Dallas-Plano-Irving, TX | 2,432 | $ 316,748,000 | $ 130,241 | $ 42,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,387 | $ 330,437,000 | $ 138,431 | $ 50,000 |
| Detroit-Livonia-Dearborn, MI | 2,279 | $ 229,708,000 | $ 100,793 | $ 40,000 |
| San Diego-Carlsbad-San Marcos, CA | 2,184 | $ 665,141,000 | $ 304,551 | $ 106,000 |
| Providence-New Bedford-Fall River, RI-MA | 2,034 | $ 373,894,000 | $ 183,822 | $ 48,000 |
| Baltimore-Towson, MD | 1,976 | $ 332,610,000 | $ 168,324 | $ 52,000 |
| Oakland-Fremont-Hayward, CA | 1,674 | $ 519,706,000 | $ 310,457 | $ 105,000 |
| Warren-Farmington Hills-Troy, MI | 1,657 | $ 239,884,000 | $ 144,770 | $ 52,000 |
| Denver-Aurora, CO | 1,568 | $ 299,730,000 | $ 191,154 | $ 52,000 |
| Jacksonville, FL | 1,510 | $ 193,118,000 | $ 127,892 | $ 46,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,457 | $ 457,305,000 | $ 313,867 | $ 122,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,378 | $ 163,571,000 | $ 118,701 | $ 54,000 |
| Fresno, CA | 1,375 | $ 218,046,000 | $ 158,578 | $ 78,000 |
| New Orleans-Metairie-Kenner, LA | 1,372 | $ 160,966,000 | $ 117,322 | $ 35,000 |
| Philadelphia, PA | 1,269 | $ 174,393,000 | $ 137,425 | $ 56,000 |
| Fort Worth-Arlington, TX | 1,259 | $ 139,252,000 | $ 110,605 | $ 32,000 |
| Stockton, CA | 1,198 | $ 297,892,000 | $ 248,657 | $ 87,000 |
| Memphis, TN-MS-AR | 1,158 | $ 108,520,000 | $ 93,713 | $ 43,000 |
| Bakersfield, CA | 1,132 | $ 175,310,000 | $ 154,867 | $ 64,000 |
| Indianapolis, IN | 1,108 | $ 111,092,000 | $ 100,263 | $ 29,000 |
| Pittsburgh, PA | 1,064 | $ 140,956,000 | $ 132,477 | $ 36,000 |
| Seattle-Bellevue-Everett, WA | 1,056 | $ 252,128,000 | $ 238,757 | $ 75,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 981 | $ 181,138,000 | $ 184,646 | $ 73,000 |
| Nashville-Davidson--Murfreesboro, TN | 969 | $ 108,575,000 | $ 112,048 | $ 30,000 |
| Hartford-West Hartford-East Hartford, CT | 949 | $ 147,756,000 | $ 155,696 | $ 43,000 |
| Gary, IN | 894 | $ 85,439,000 | $ 95,569 | $ 29,000 |
| Lake County-Kenosha County, IL-WI | 855 | $ 143,112,000 | $ 167,382 | $ 49,000 |
| Modesto, CA | 852 | $ 184,412,000 | $ 216,446 | $ 76,000 |
| Springfield, MA | 822 | $ 109,856,000 | $ 133,644 | $ 46,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 812 | $ 281,704,000 | $ 346,926 | $ 112,000 |
| Bethesda-Frederick-Gaithersburg, MD | 760 | $ 199,753,000 | $ 262,832 | $ 59,000 |
| Boston-Quincy, MA | 759 | $ 194,540,000 | $ 256,310 | $ 62,000 |
| Omaha-Council Bluffs, NE-IA | 756 | $ 79,790,000 | $ 105,542 | $ 29,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 729 | $ 100,058,000 | $ 137,253 | $ 46,000 |
| Cape Coral-Fort Myers, FL | 718 | $ 102,508,000 | $ 142,768 | $ 57,000 |
| Tacoma, WA | 689 | $ 123,908,000 | $ 179,837 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 655 | $ 93,816,000 | $ 143,230 | $ 36,000 |
| Worcester, MA | 644 | $ 112,513,000 | $ 174,709 | $ 59,000 |
| Portland-Vancouver-Beaverton, OR-WA | 624 | $ 113,921,000 | $ 182,565 | $ 57,000 |
| Richmond, VA | 623 | $ 85,011,000 | $ 136,454 | $ 32,000 |
| New Haven-Milford, CT | 621 | $ 103,121,000 | $ 166,056 | $ 50,000 |
| Vallejo-Fairfield, CA | 611 | $ 170,205,000 | $ 278,567 | $ 98,000 |
| Visalia-Porterville, CA | 593 | $ 86,218,000 | $ 145,392 | $ 57,000 |
| Grand Rapids-Wyoming, MI | 566 | $ 57,720,000 | $ 101,978 | $ 29,000 |
| Palm Bay-Melbourne-Titusville, FL | 468 | $ 70,210,000 | $ 150,021 | $ 56,000 |
| Edison, NJ | 462 | $ 116,224,000 | $ 251,567 | $ 49,000 |
| Columbus, OH | 445 | $ 54,695,000 | $ 122,910 | $ 42,000 |
| Pensacola-Ferry Pass-Brent, FL | 443 | $ 52,485,000 | $ 118,476 | $ 41,000 |
| Bridgeport-Stamford-Norwalk, CT | 417 | $ 108,116,000 | $ 259,270 | $ 70,000 |
| Port St. Lucie-Fort Pierce, FL | 414 | $ 61,368,000 | $ 148,231 | $ 67,000 |
| Lakeland, FL | 409 | $ 47,588,000 | $ 116,352 | $ 51,000 |
| Boise City-Nampa, ID | 397 | $ 50,058,000 | $ 126,090 | $ 31,000 |
| Merced, CA | 381 | $ 81,044,000 | $ 212,713 | $ 73,000 |
| Flint, MI | 380 | $ 39,902,000 | $ 105,005 | $ 37,000 |
| Ocala, FL | 357 | $ 43,319,000 | $ 121,341 | $ 37,000 |
| Greensboro-High Point, NC | 356 | $ 33,152,000 | $ 93,123 | $ 50,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 351 | $ 46,332,000 | $ 132,000 | $ 36,000 |
| Sarasota-Bradenton-Venice, FL | 345 | $ 62,035,000 | $ 179,811 | $ 67,000 |
| Cambridge-Newton-Framingham, MA | 332 | $ 87,725,000 | $ 264,231 | $ 71,000 |
| Tucson, AZ | 323 | $ 43,579,000 | $ 134,919 | $ 51,000 |
| Essex County, MA | 319 | $ 74,558,000 | $ 233,724 | $ 63,000 |
| Baton Rouge, LA | 316 | $ 36,319,000 | $ 114,933 | $ 26,000 |
| Madera, CA | 316 | $ 54,018,000 | $ 170,943 | $ 59,000 |
| Charlotte-Gastonia-Concord, NC-SC | 313 | $ 31,569,000 | $ 100,859 | $ 60,000 |
| Spokane, WA | 311 | $ 37,380,000 | $ 120,192 | $ 27,000 |
| Newark-Union, NJ-PA | 307 | $ 76,650,000 | $ 249,674 | $ 50,000 |
| Fort Wayne, IN | 303 | $ 24,255,000 | $ 80,049 | $ 22,000 |
| Peoria, IL | 303 | $ 26,617,000 | $ 87,844 | $ 32,000 |
| Santa Rosa-Petaluma, CA | 303 | $ 91,291,000 | $ 301,290 | $ 102,000 |
| Harrisburg-Carlisle, PA | 300 | $ 35,709,000 | $ 119,030 | $ 30,000 |
| St. Louis, MO-IL | 295 | $ 30,865,000 | $ 104,627 | $ 45,000 |
| Scranton--Wilkes-Barre, PA | 293 | $ 30,381,000 | $ 103,689 | $ 32,000 |
| Colorado Springs, CO | 292 | $ 44,121,000 | $ 151,099 | $ 33,000 |
| Lansing-East Lansing, MI | 289 | $ 30,430,000 | $ 105,294 | $ 37,000 |
| Nassau-Suffolk, NY | 281 | $ 70,424,000 | $ 250,619 | $ 121,000 |
| Lincoln, NE | 276 | $ 31,880,000 | $ 115,507 | $ 25,000 |
| Rockford, IL | 276 | $ 30,289,000 | $ 109,742 | $ 36,000 |
| Madison, WI | 275 | $ 38,072,000 | $ 138,443 | $ 56,000 |
| Camden, NJ | 272 | $ 49,170,000 | $ 180,772 | $ 42,000 |
| Janesville, WI | 269 | $ 28,001,000 | $ 104,092 | $ 38,000 |
| San Francisco-San Mateo-Redwood City, CA | 267 | $ 103,007,000 | $ 385,794 | $ 113,000 |
| Salinas, CA | 261 | $ 77,804,000 | $ 298,099 | $ 111,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 257 | $ 89,828,000 | $ 349,525 | $ 88,000 |
| Naples-Marco Island, FL | 249 | $ 51,983,000 | $ 208,767 | $ 68,000 |
| Chattanooga, TN-GA | 248 | $ 24,815,000 | $ 100,060 | $ 37,000 |
| New York-Wayne-White Plains, NY-NJ | 245 | $ 71,911,000 | $ 293,514 | $ 100,000 |
| Tallahassee, FL | 244 | $ 31,644,000 | $ 129,688 | $ 30,000 |
| Raleigh-Cary, NC | 241 | $ 28,498,000 | $ 118,248 | $ 55,000 |
| South Bend-Mishawaka, IN-MI | 232 | $ 20,192,000 | $ 87,034 | $ 29,000 |
| York-Hanover, PA | 229 | $ 32,523,000 | $ 142,021 | $ 38,000 |
| El Centro, CA | 226 | $ 36,999,000 | $ 163,712 | $ 59,000 |
| Racine, WI | 226 | $ 26,808,000 | $ 118,619 | $ 42,000 |
| Reno-Sparks, NV | 226 | $ 56,296,000 | $ 249,097 | $ 49,000 |
| Yuba City, CA | 223 | $ 45,007,000 | $ 201,825 | $ 73,000 |
| Muskegon-Norton Shores, MI | 222 | $ 19,820,000 | $ 89,279 | $ 32,000 |
| Salem, OR | 221 | $ 31,748,000 | $ 143,656 | $ 29,000 |
| Evansville, IN-KY | 215 | $ 17,267,000 | $ 80,311 | $ 20,000 |
| Green Bay, WI | 213 | $ 24,135,000 | $ 113,309 | $ 35,000 |
| Roanoke, VA | 212 | $ 22,588,000 | $ 106,547 | $ 20,000 |
| Honolulu, HI | 211 | $ 70,850,000 | $ 335,781 | $ 26,000 |
| Norwich-New London, CT | 209 | $ 35,189,000 | $ 168,368 | $ 37,000 |
| Greeley, CO | 206 | $ 35,676,000 | $ 173,184 | $ 34,000 |
| Pueblo, CO | 202 | $ 22,762,000 | $ 112,683 | $ 36,000 |
| Knoxville, TN | 199 | $ 18,277,000 | $ 91,844 | $ 27,000 |
| Kankakee-Bradley, IL | 191 | $ 19,028,000 | $ 99,623 | $ 40,000 |
| Toledo, OH | 188 | $ 17,758,000 | $ 94,457 | $ 50,000 |
| Louisville, KY-IN | 185 | $ 17,911,000 | $ 96,816 | $ 48,000 |
| Cleveland-Elyria-Mentor, OH | 180 | $ 21,128,000 | $ 117,377 | $ 52,000 |
| Kalamazoo-Portage, MI | 179 | $ 17,540,000 | $ 97,988 | $ 27,000 |
| Bremerton-Silverdale, WA | 171 | $ 32,056,000 | $ 187,461 | $ 52,000 |
| Springfield, IL | 170 | $ 14,761,000 | $ 86,829 | $ 22,000 |
| Chico, CA | 167 | $ 27,785,000 | $ 166,377 | $ 59,000 |
| Des Moines, IA | 167 | $ 16,745,000 | $ 100,269 | $ 34,000 |
| Hanford-Corcoran, CA | 166 | $ 24,242,000 | $ 146,036 | $ 44,000 |
| Olympia, WA | 166 | $ 28,673,000 | $ 172,728 | $ 62,000 |
| Columbus, GA-AL | 162 | $ 15,850,000 | $ 97,839 | $ 30,000 |
| Saginaw-Saginaw Township North, MI | 159 | $ 14,481,000 | $ 91,075 | $ 27,000 |
| Elkhart-Goshen, IN | 158 | $ 15,132,000 | $ 95,772 | $ 28,000 |
| Erie, PA | 156 | $ 15,682,000 | $ 100,525 | $ 29,000 |
| Winston-Salem, NC | 156 | $ 14,244,000 | $ 91,307 | $ 62,000 |
| Hagerstown-Martinsburg, MD-WV | 153 | $ 27,237,000 | $ 178,019 | $ 57,000 |
| Lancaster, PA | 152 | $ 40,144,000 | $ 264,105 | $ 30,000 |
| Jackson, MI | 151 | $ 15,029,000 | $ 99,529 | $ 27,000 |
| Battle Creek, MI | 149 | $ 14,314,000 | $ 96,067 | $ 26,000 |
| Kennewick-Richland-Pasco, WA | 147 | $ 18,110,000 | $ 123,197 | $ 30,000 |
| Houma-Bayou Cane-Thibodaux, LA | 145 | $ 15,113,000 | $ 104,227 | $ 19,000 |
| Michigan City-La Porte, IN | 145 | $ 11,613,000 | $ 80,089 | $ 25,000 |
| Reading, PA | 145 | $ 21,373,000 | $ 147,400 | $ 31,000 |
| Augusta-Richmond County, GA-SC | 144 | $ 15,470,000 | $ 107,430 | $ 28,000 |
| Redding, CA | 142 | $ 26,793,000 | $ 188,683 | $ 81,000 |
| Yakima, WA | 139 | $ 20,434,000 | $ 147,007 | $ 25,000 |
| Ann Arbor, MI | 138 | $ 19,871,000 | $ 143,992 | $ 39,000 |
| Fort Walton Beach-Crestview-Destin, FL | 137 | $ 25,905,000 | $ 189,087 | $ 65,000 |
| Holland-Grand Haven, MI | 137 | $ 17,392,000 | $ 126,948 | $ 35,000 |
| Kansas City, MO-KS | 137 | $ 13,885,000 | $ 101,350 | $ 43,000 |
| Prescott, AZ | 136 | $ 21,909,000 | $ 161,095 | $ 47,000 |
| Gainesville, FL | 132 | $ 38,276,000 | $ 289,969 | $ 40,000 |
| Rochester, MN | 128 | $ 16,845,000 | $ 131,601 | $ 23,000 |
| Cincinnati-Middletown, OH-KY-IN | 125 | $ 12,128,000 | $ 97,024 | $ 35,000 |
| Terre Haute, IN | 123 | $ 8,987,000 | $ 73,065 | $ 19,000 |
| Anderson, IN | 121 | $ 9,597,000 | $ 79,314 | $ 26,000 |
| Appleton, WI | 118 | $ 14,162,000 | $ 120,016 | $ 36,000 |
| Duluth, MN-WI | 117 | $ 14,286,000 | $ 122,102 | $ 21,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 116 | $ 42,690,000 | $ 368,017 | $ 118,000 |
| Barnstable Town, MA | 113 | $ 29,595,000 | $ 261,902 | $ 41,000 |
| Oshkosh-Neenah, WI | 111 | $ 12,083,000 | $ 108,855 | $ 42,000 |
| Decatur, IL | 109 | $ 7,951,000 | $ 72,944 | $ 19,000 |
| Eugene-Springfield, OR | 108 | $ 16,817,000 | $ 155,712 | $ 26,000 |
| Bay City, MI | 107 | $ 10,454,000 | $ 97,700 | $ 18,000 |
| Grand Junction, CO | 104 | $ 14,917,000 | $ 143,432 | $ 32,000 |
| Salt Lake City, UT | 103 | $ 13,079,000 | $ 126,980 | $ 84,000 |
| Sheboygan, WI | 103 | $ 11,165,000 | $ 108,398 | $ 22,000 |
| Kokomo, IN | 98 | $ 8,046,000 | $ 82,102 | $ 24,000 |
| Monroe, MI | 97 | $ 11,464,000 | $ 118,185 | $ 41,000 |
| Idaho Falls, ID | 95 | $ 9,465,000 | $ 99,631 | $ 11,000 |
| Durham, NC | 94 | $ 8,992,000 | $ 95,659 | $ 45,000 |
| Lynchburg, VA | 94 | $ 11,820,000 | $ 125,744 | $ 11,000 |
| Pittsfield, MA | 94 | $ 12,012,000 | $ 127,787 | $ 41,000 |
| Akron, OH | 91 | $ 9,167,000 | $ 100,736 | $ 49,000 |
| Salisbury, MD | 91 | $ 14,113,000 | $ 155,087 | $ 29,000 |
| Panama City-Lynn Haven, FL | 90 | $ 12,306,000 | $ 136,733 | $ 36,000 |
| San Luis Obispo-Paso Robles, CA | 90 | $ 30,598,000 | $ 339,977 | $ 93,000 |
| Longview, WA | 89 | $ 12,778,000 | $ 143,573 | $ 25,000 |
| Fort Collins-Loveland, CO | 88 | $ 17,998,000 | $ 204,522 | $ 79,000 |
| St. Cloud, MN | 88 | $ 11,188,000 | $ 127,136 | $ 21,000 |
| Napa, CA | 87 | $ 27,626,000 | $ 317,540 | $ 85,000 |
| Niles-Benton Harbor, MI | 86 | $ 8,276,000 | $ 96,232 | $ 25,000 |
| Shreveport-Bossier City, LA | 86 | $ 7,912,000 | $ 92,000 | $ 25,000 |
| Clarksville, TN-KY | 85 | $ 9,439,000 | $ 111,047 | $ 17,000 |
| Boulder, CO | 83 | $ 19,048,000 | $ 229,493 | $ 55,000 |
| Yuma, AZ | 83 | $ 10,873,000 | $ 131,000 | $ 40,000 |
| Muncie, IN | 81 | $ 6,500,000 | $ 80,246 | $ 22,000 |
| Sioux City, IA-NE-SD | 80 | $ 6,646,000 | $ 83,075 | $ 9,000 |
| Wilmington, NC | 80 | $ 10,586,000 | $ 132,325 | $ 60,000 |
| Dayton, OH | 79 | $ 7,878,000 | $ 99,721 | $ 45,000 |
| Blacksburg-Christiansburg-Radford, VA | 77 | $ 7,955,000 | $ 103,311 | $ 14,000 |
| Eau Claire, WI | 77 | $ 10,869,000 | $ 141,155 | $ 27,000 |
| Lafayette, IN | 77 | $ 6,964,000 | $ 90,441 | $ 20,000 |
| Bloomington-Normal, IL | 73 | $ 8,040,000 | $ 110,136 | $ 18,000 |
| Davenport-Moline-Rock Island, IA-IL | 73 | $ 7,525,000 | $ 103,082 | $ 34,000 |
| Wausau, WI | 73 | $ 8,134,000 | $ 111,424 | $ 31,000 |
| Williamsport, PA | 73 | $ 6,723,000 | $ 92,095 | $ 21,000 |
| Coeur D'Alene, ID | 72 | $ 11,542,000 | $ 160,305 | $ 29,000 |
| Medford, OR | 72 | $ 13,554,000 | $ 188,250 | $ 42,000 |
| Pocatello, ID | 69 | $ 7,035,000 | $ 101,956 | $ 18,000 |
| Cedar Rapids, IA | 67 | $ 6,300,000 | $ 94,029 | $ 24,000 |
| Santa Cruz-Watsonville, CA | 67 | $ 25,086,000 | $ 374,417 | $ 97,000 |
| Cumberland, MD-WV | 66 | $ 5,785,000 | $ 87,651 | $ 34,000 |
| Bellingham, WA | 63 | $ 12,033,000 | $ 191,000 | $ 31,000 |
| La Crosse, WI-MN | 61 | $ 6,403,000 | $ 104,967 | $ 21,000 |
| Mount Vernon-Anacortes, WA | 61 | $ 9,955,000 | $ 163,196 | $ 39,000 |
| Bend, OR | 58 | $ 14,448,000 | $ 249,103 | $ 39,000 |
| Flagstaff, AZ | 56 | $ 13,031,000 | $ 232,696 | $ 39,000 |
| Jackson, TN | 55 | $ 5,524,000 | $ 100,436 | $ 47,000 |
| Punta Gorda, FL | 55 | $ 6,914,000 | $ 125,709 | $ 53,000 |
| Youngstown-Warren-Boardman, OH-PA | 54 | $ 4,684,000 | $ 86,740 | $ 47,000 |
| Waterloo-Cedar Falls, IA | 52 | $ 3,992,000 | $ 76,769 | $ 29,000 |
| Columbus, IN | 50 | $ 4,682,000 | $ 93,640 | $ 32,000 |
| Atlantic City, NJ | 49 | $ 8,918,000 | $ 182,000 | $ 46,000 |
| Wenatchee, WA | 49 | $ 5,788,000 | $ 118,122 | $ 18,000 |
| Austin-Round Rock, TX | 48 | $ 6,388,000 | $ 133,083 | $ 46,000 |
| Canton-Massillon, OH | 48 | $ 4,604,000 | $ 95,916 | $ 30,000 |
| Greenville, NC | 48 | $ 4,249,000 | $ 88,520 | $ 55,000 |
| Danville, VA | 47 | $ 4,012,000 | $ 85,361 | $ 14,000 |
| Lebanon, PA | 47 | $ 4,942,000 | $ 105,148 | $ 26,000 |
| Fond Du Lac, WI | 46 | $ 5,387,000 | $ 117,108 | $ 44,000 |
| Altoona, PA | 45 | $ 3,905,000 | $ 86,777 | $ 17,000 |
| Bloomington, IN | 45 | $ 4,249,000 | $ 94,422 | $ 31,000 |
| Hickory-Lenoir-Morganton, NC | 45 | $ 3,523,000 | $ 78,288 | $ 47,000 |
| Winchester, VA-WV | 42 | $ 8,781,000 | $ 209,071 | $ 40,000 |
| Jacksonville, NC | 41 | $ 3,109,000 | $ 75,829 | $ 54,000 |
| El Paso, TX | 40 | $ 4,598,000 | $ 114,950 | $ 37,000 |
| Johnstown, PA | 40 | $ 3,947,000 | $ 98,675 | $ 43,000 |
| Burlington, NC | 39 | $ 3,725,000 | $ 95,512 | $ 46,000 |
| Kingsport-Bristol-Bristol, TN-VA | 39 | $ 3,343,000 | $ 85,717 | $ 31,000 |
| Lewiston, ID-WA | 37 | $ 4,101,000 | $ 110,837 | $ 15,000 |
| State College, PA | 36 | $ 4,268,000 | $ 118,555 | $ 45,000 |
| Charlottesville, VA | 35 | $ 5,740,000 | $ 164,000 | $ 26,000 |
| Cleveland, TN | 34 | $ 3,169,000 | $ 93,205 | $ 24,000 |
| Trenton-Ewing, NJ | 34 | $ 7,256,000 | $ 213,411 | $ 53,000 |
| Vero Beach, FL | 34 | $ 4,484,000 | $ 131,882 | $ 54,000 |
| Alexandria, LA | 33 | $ 2,774,000 | $ 84,060 | $ 30,000 |
| Lake Charles, LA | 33 | $ 2,949,000 | $ 89,363 | $ 34,000 |
| Asheville, NC | 32 | $ 3,921,000 | $ 122,531 | $ 71,000 |
| Ogden-Clearfield, UT | 32 | $ 3,320,000 | $ 103,750 | $ 62,000 |
| San Antonio, TX | 32 | $ 2,988,000 | $ 93,375 | $ 24,000 |
| Wilmington, DE-MD-NJ | 32 | $ 4,693,000 | $ 146,656 | $ 73,000 |
| Monroe, LA | 31 | $ 2,686,000 | $ 86,645 | $ 13,000 |
| Fayetteville, NC | 30 | $ 2,508,000 | $ 83,600 | $ 39,000 |
| Tyler, TX | 30 | $ 2,456,000 | $ 81,866 | $ 43,000 |
| Macon, GA | 29 | $ 2,469,000 | $ 85,137 | $ 45,000 |
| Springfield, MO | 29 | $ 3,005,000 | $ 103,620 | $ 48,000 |
| Tulsa, OK | 28 | $ 2,587,000 | $ 92,392 | $ 62,000 |
| Lafayette, LA | 27 | $ 2,611,000 | $ 96,703 | $ 40,000 |
| Oklahoma City, OK | 27 | $ 2,981,000 | $ 110,407 | $ 62,000 |
| Rocky Mount, NC | 27 | $ 1,828,000 | $ 67,703 | $ 38,000 |
| Harrisonburg, VA | 25 | $ 3,840,000 | $ 153,600 | $ 29,000 |
| Little Rock-North Little Rock, AR | 25 | $ 3,162,000 | $ 126,480 | $ 50,000 |
| Albuquerque, NM | 24 | $ 3,455,000 | $ 143,958 | $ 55,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 24 | $ 4,761,000 | $ 198,375 | $ 80,000 |
| Rockingham County-Strafford County, NH | 24 | $ 4,278,000 | $ 178,250 | $ 72,000 |
| Springfield, OH | 24 | $ 2,429,000 | $ 101,208 | $ 18,000 |
| Johnson City, TN | 23 | $ 1,990,000 | $ 86,521 | $ 19,000 |
| Ocean City, NJ | 21 | $ 4,077,000 | $ 194,142 | $ 134,000 |
| Lexington-Fayette, KY | 19 | $ 2,754,000 | $ 144,947 | $ 58,000 |
| Carson City, NV | 18 | $ 4,834,000 | $ 268,555 | $ 41,000 |
| Champaign-Urbana, IL | 18 | $ 2,010,000 | $ 111,666 | $ 34,000 |
| Corvallis, OR | 18 | $ 3,086,000 | $ 171,444 | $ 24,000 |
| Goldsboro, NC | 18 | $ 1,348,000 | $ 74,888 | $ 44,000 |
| Danville, IL | 17 | $ 1,876,000 | $ 110,352 | $ 45,000 |
| Morristown, TN | 16 | $ 1,436,000 | $ 89,750 | $ 12,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 1,401,000 | $ 93,400 | $ 61,000 |
| Longview, TX | 15 | $ 1,083,000 | $ 72,200 | $ 9,000 |
| Provo-Orem, UT | 15 | $ 2,639,000 | $ 175,933 | $ 88,000 |
| Beaumont-Port Arthur, TX | 13 | $ 1,181,000 | $ 90,846 | $ 20,000 |
| Laredo, TX | 13 | $ 1,181,000 | $ 90,846 | $ 28,000 |
| Mansfield, OH | 13 | $ 1,271,000 | $ 97,769 | $ 29,000 |
| Rapid City, SD | 13 | $ 1,279,000 | $ 98,384 | $ 39,000 |
| Brownsville-Harlingen, TX | 11 | $ 868,000 | $ 78,909 | $ 25,000 |
| Joplin, MO | 11 | $ 791,000 | $ 71,909 | $ 17,000 |
| McAllen-Edinburg-Pharr, TX | 11 | $ 823,000 | $ 74,818 | $ 21,000 |
| Vineland-Millville-Bridgeton, NJ | 11 | $ 1,595,000 | $ 145,000 | $ 36,000 |
| Corpus Christi, TX | 10 | $ 1,005,000 | $ 100,500 | $ 35,000 |
| Gainesville, GA | 10 | $ 1,518,000 | $ 151,800 | $ 76,000 |
| Lubbock, TX | 10 | $ 816,000 | $ 81,600 | $ 23,000 |
| Savannah, GA | 10 | $ 1,573,000 | $ 157,300 | $ 50,000 |
| Sioux Falls, SD | 10 | $ 1,975,000 | $ 197,500 | $ 39,000 |
| Waco, TX | 10 | $ 677,000 | $ 67,700 | $ 27,000 |
| Albany-Schenectady-Troy, NY | 9 | $ 1,287,000 | $ 143,000 | $ 74,000 |
| Farmington, NM | 9 | $ 2,355,000 | $ 261,666 | $ 82,000 |
| Warner Robins, GA | 9 | $ 886,000 | $ 98,444 | $ 55,000 |
| Dalton, GA | 8 | $ 598,000 | $ 74,750 | $ 45,000 |
| Dover, DE | 8 | $ 1,214,000 | $ 151,750 | $ 70,000 |
| Jefferson City, MO | 8 | $ 745,000 | $ 93,125 | $ 5,000 |
| Las Cruces, NM | 8 | $ 810,000 | $ 101,250 | $ 47,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 8 | $ 1,456,000 | $ 182,000 | $ 110,000 |
| Sandusky, OH | 8 | $ 960,000 | $ 120,000 | $ 42,000 |
| Sherman-Denison, TX | 8 | $ 1,020,000 | $ 127,500 | $ 15,000 |
| Cheyenne, WY | 7 | $ 1,140,000 | $ 162,857 | $ 42,000 |
| Owensboro, KY | 7 | $ 483,000 | $ 69,000 | $ 42,000 |
| Abilene, TX | 6 | $ 407,000 | $ 67,833 | $ 30,000 |
| Albany, GA | 6 | $ 587,000 | $ 97,833 | $ 67,000 |
| Amarillo, TX | 6 | $ 391,000 | $ 65,166 | $ 20,000 |
| Charleston-North Charleston, SC | 6 | $ 2,553,000 | $ 425,500 | $ 122,000 |
| Elizabethtown, KY | 6 | $ 664,000 | $ 110,666 | $ 46,000 |
| Hot Springs, AR | 6 | $ 426,000 | $ 71,000 | $ 30,000 |
| Killeen-Temple-Fort Hood, TX | 6 | $ 517,000 | $ 86,166 | $ 31,000 |
| Manchester-Nashua, NH | 6 | $ 1,057,000 | $ 176,166 | $ 72,000 |
| Athens-Clarke County, GA | 5 | $ 753,000 | $ 150,600 | $ 46,000 |
| Casper, WY | 5 | $ 860,000 | $ 172,000 | $ 82,000 |
| Columbia, MO | 5 | $ 671,000 | $ 134,200 | $ 21,000 |
| Columbia, SC | 5 | $ 392,000 | $ 78,400 | $ 33,000 |
| Dubuque, IA | 5 | $ 369,000 | $ 73,800 | $ 26,000 |
| Hinesville-Fort Stewart, GA | 5 | $ 471,000 | $ 94,200 | $ 61,000 |
| Lima, OH | 5 | $ 523,000 | $ 104,600 | $ 24,000 |
| Pine Bluff, AR | 5 | $ 361,000 | $ 72,200 | $ 43,000 |
| San Angelo, TX | 5 | $ 353,000 | $ 70,600 | $ 78,000 |
| St. George, UT | 5 | $ 906,000 | $ 181,200 | $ 201,000 |
| Bowling Green, KY | 4 | $ 291,000 | $ 72,750 | $ 44,000 |
| Brunswick, GA | 4 | $ 331,000 | $ 82,750 | $ 43,000 |
| Buffalo-Niagara Falls, NY | 4 | $ 368,000 | $ 92,000 | $ 51,000 |
| College Station-Bryan, TX | 4 | $ 405,000 | $ 101,250 | $ 36,000 |
| Greenville, SC | 4 | $ 461,000 | $ 115,250 | $ 49,000 |
| Iowa City, IA | 4 | $ 617,000 | $ 154,250 | $ 21,000 |
| Odessa, TX | 4 | $ 242,000 | $ 60,500 | $ 7,000 |
| Rome, GA | 4 | $ 389,000 | $ 97,250 | $ 28,000 |
| Wichita Falls, TX | 4 | $ 272,000 | $ 68,000 | $ 0 |
| Ames, IA | 3 | $ 385,000 | $ 128,333 | $ 75,000 |
| Florence, SC | 3 | $ 235,000 | $ 78,333 | $ 52,000 |
| Kingston, NY | 3 | $ 445,000 | $ 148,333 | $ 78,000 |
| Logan, UT-ID | 3 | $ 455,000 | $ 151,666 | $ 36,000 |
| Missoula, MT | 3 | $ 558,000 | $ 186,000 | $ 45,000 |
| Billings, MT | 2 | $ 335,000 | $ 167,500 | $ 30,000 |
| Lawton, OK | 2 | $ 115,000 | $ 57,500 | $ 159,000 |
| Midland, TX | 2 | $ 248,000 | $ 124,000 | $ 24,000 |
| Rochester, NY | 2 | $ 122,000 | $ 61,000 | $ 104,000 |
| Santa Fe, NM | 2 | $ 302,000 | $ 151,000 | $ 39,000 |
| St. Joseph, MO-KS | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Great Falls, MT | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Sumter, SC | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Utica-Rome, NY | 1 | $ 142,000 | $ 142,000 | $ 42,000 |
| Wichita, KS | 1 | $ 169,000 | $ 169,000 | $ 74,000 |
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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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