First Nlc Financial Services, Mortgage Lending & HMDA Data, 2006
In 2006, First Nlc Financial Services, of Boca Raton, FL reported 266,409 mortgage applications totaling $48.3 billion, up 82% from 2005. The average application was for $181,466, and applicants reported an average income of $46,522. 15% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (16,569), Houston-Sugar Land-Baytown, TX (9,148) and Phoenix-Mesa-Scottsdale, AZ (8,568) (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 | 266,409 |
| Total Mortgage Loan Application Amount | $48,344,271,000 |
| Average Mortgage Loan Application Amount | $181,466 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $46,522 |
| Highest Applicant Income | $3,000,000 |
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records First Nlc Financial Services, filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 16,569 | $ 2,988,998,000 | $ 180,397 | $ 49,000 |
| Houston-Sugar Land-Baytown, TX | 9,148 | $ 1,091,084,000 | $ 119,270 | $ 37,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8,568 | $ 1,392,660,000 | $ 162,542 | $ 48,000 |
| Miami-Miami Beach-Kendall, FL | 6,991 | $ 1,394,547,000 | $ 199,477 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 6,777 | $ 2,240,210,000 | $ 330,560 | $ 95,000 |
| Dallas-Plano-Irving, TX | 6,366 | $ 835,988,000 | $ 131,320 | $ 35,000 |
| Riverside-San Bernardino-Ontario, CA | 6,181 | $ 1,620,250,000 | $ 262,133 | $ 86,000 |
| Atlanta-Sandy Springs-Marietta, GA | 6,179 | $ 912,342,000 | $ 147,652 | $ 44,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5,366 | $ 1,489,158,000 | $ 277,517 | $ 52,459 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5,226 | $ 1,049,531,000 | $ 200,828 | $ 70,000 |
| Baltimore-Towson, MD | 4,137 | $ 759,533,000 | $ 183,595 | $ 47,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4,029 | $ 614,110,000 | $ 152,422 | $ 47,000 |
| Las Vegas-Paradise, NV | 3,721 | $ 816,314,000 | $ 219,380 | $ 63,000 |
| Orlando-Kissimmee, FL | 3,499 | $ 639,747,000 | $ 182,837 | $ 47,000 |
| Detroit-Livonia-Dearborn, MI | 3,484 | $ 351,583,000 | $ 100,913 | $ 39,000 |
| Providence-New Bedford-Fall River, RI-MA | 3,406 | $ 740,544,000 | $ 217,423 | $ 41,578 |
| Fort Worth-Arlington, TX | 3,340 | $ 412,218,000 | $ 123,418 | $ 33,000 |
| St. Louis, MO-IL | 3,308 | $ 386,281,000 | $ 116,771 | $ 34,969 |
| Sacramento--Arden-Arcade--Roseville, CA | 3,220 | $ 894,878,000 | $ 277,912 | $ 73,000 |
| Denver-Aurora, CO | 3,149 | $ 646,898,000 | $ 205,429 | $ 35,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2,857 | $ 469,870,000 | $ 164,462 | $ 31,033 |
| Oakland-Fremont-Hayward, CA | 2,625 | $ 939,181,000 | $ 357,783 | $ 112,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2,599 | $ 549,662,000 | $ 211,489 | $ 70,000 |
| Jacksonville, FL | 2,507 | $ 346,730,000 | $ 138,304 | $ 35,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2,187 | $ 452,737,000 | $ 207,012 | $ 25,321 |
| San Diego-Carlsbad-San Marcos, CA | 2,184 | $ 734,342,000 | $ 336,237 | $ 93,000 |
| Philadelphia, PA | 2,143 | $ 325,253,000 | $ 151,774 | $ 29,000 |
| Seattle-Bellevue-Everett, WA | 2,120 | $ 547,087,000 | $ 258,059 | $ 39,000 |
| Kansas City, MO-KS | 1,974 | $ 226,096,000 | $ 114,536 | $ 44,779 |
| Fresno, CA | 1,912 | $ 378,408,000 | $ 197,912 | $ 49,000 |
| Indianapolis-Carmel, IN | 1,842 | $ 183,631,000 | $ 99,691 | $ 27,000 |
| Memphis, TN-MS-AR | 1,835 | $ 208,967,000 | $ 113,878 | $ 31,874 |
| Warren-Troy-Farmington Hills, MI | 1,818 | $ 269,309,000 | $ 148,134 | $ 43,000 |
| Richmond, VA | 1,796 | $ 275,824,000 | $ 153,576 | $ 28,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,762 | $ 653,736,000 | $ 371,019 | $ 111,000 |
| Boston-Quincy, MA | 1,747 | $ 519,999,000 | $ 297,652 | $ 53,000 |
| Camden, NJ | 1,684 | $ 305,422,000 | $ 181,366 | $ 40,000 |
| San Antonio, TX | 1,675 | $ 186,039,000 | $ 111,068 | $ 30,000 |
| Lake County-Kenosha County, IL-WI | 1,614 | $ 275,488,000 | $ 170,686 | $ 49,881 |
| Portland-Vancouver-Beaverton, OR-WA | 1,605 | $ 341,650,000 | $ 212,866 | $ 30,166 |
| Nashville-Davidson--Murfreesboro, TN | 1,532 | $ 219,270,000 | $ 143,126 | $ 26,000 |
| Stockton, CA | 1,471 | $ 443,583,000 | $ 301,552 | $ 76,000 |
| Columbus, OH | 1,454 | $ 198,297,000 | $ 136,380 | $ 25,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1,403 | $ 396,566,000 | $ 282,655 | $ 53,000 |
| Cape Coral-Fort Myers, FL | 1,397 | $ 253,470,000 | $ 181,438 | $ 68,000 |
| Hartford-West Hartford-East Hartford, CT | 1,358 | $ 259,627,000 | $ 191,183 | $ 31,000 |
| Newark-Union, NJ-PA | 1,352 | $ 348,766,000 | $ 257,963 | $ 50,675 |
| Pittsburgh, PA | 1,347 | $ 163,570,000 | $ 121,432 | $ 33,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,315 | $ 165,360,000 | $ 125,749 | $ 43,000 |
| Gary, IN | 1,299 | $ 122,482,000 | $ 94,289 | $ 29,000 |
| Edison, NJ | 1,298 | $ 354,900,000 | $ 273,420 | $ 48,000 |
| Cincinnati-Middletown, OH-KY-IN | 1,289 | $ 164,968,000 | $ 127,981 | $ 25,714 |
| Tacoma, WA | 1,287 | $ 272,968,000 | $ 212,096 | $ 35,000 |
| Honolulu, HI | 1,218 | $ 420,526,000 | $ 345,259 | $ 29,000 |
| Bakersfield, CA | 1,207 | $ 233,153,000 | $ 193,167 | $ 40,000 |
| Austin-Round Rock, TX | 1,160 | $ 159,245,000 | $ 137,280 | $ 34,000 |
| Visalia-Porterville, CA | 1,118 | $ 204,116,000 | $ 182,572 | $ 39,000 |
| New Haven-Milford, CT | 1,107 | $ 222,919,000 | $ 201,372 | $ 34,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,107 | $ 424,113,000 | $ 383,119 | $ 113,000 |
| Modesto, CA | 1,046 | $ 268,904,000 | $ 257,078 | $ 81,000 |
| Tucson, AZ | 1,032 | $ 159,238,000 | $ 154,300 | $ 32,000 |
| Worcester, MA | 977 | $ 222,981,000 | $ 228,230 | $ 46,000 |
| Albuquerque, NM | 907 | $ 136,210,000 | $ 150,176 | $ 26,000 |
| Port St. Lucie-Fort Pierce, FL | 905 | $ 159,133,000 | $ 175,837 | $ 60,000 |
| New Orleans-Metairie-Kenner, LA | 902 | $ 128,129,000 | $ 142,049 | $ 29,000 |
| Omaha-Council Bluffs, NE-IA | 902 | $ 103,551,000 | $ 114,801 | $ 27,189 |
| Wilmington, DE-MD-NJ | 889 | $ 167,163,000 | $ 188,034 | $ 50,834 |
| Colorado Springs, CO | 887 | $ 164,017,000 | $ 184,912 | $ 24,000 |
| Springfield, MA | 872 | $ 143,803,000 | $ 164,911 | $ 35,000 |
| Grand Rapids-Wyoming, MI | 840 | $ 94,422,000 | $ 112,407 | $ 37,000 |
| Lakeland, FL | 814 | $ 120,484,000 | $ 148,014 | $ 43,000 |
| Baton Rouge, LA | 812 | $ 99,644,000 | $ 122,714 | $ 21,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 788 | $ 129,756,000 | $ 164,664 | $ 43,000 |
| Bridgeport-Stamford-Norwalk, CT | 748 | $ 211,016,000 | $ 282,106 | $ 50,000 |
| Sarasota-Bradenton-Venice, FL | 748 | $ 145,349,000 | $ 194,316 | $ 48,000 |
| Vallejo-Fairfield, CA | 732 | $ 229,626,000 | $ 313,696 | $ 105,000 |
| Rockford, IL | 720 | $ 83,543,000 | $ 116,031 | $ 28,000 |
| New York-White Plains-Wayne, NY-NJ | 703 | $ 231,317,000 | $ 329,042 | $ 56,618 |
| Essex County, MA | 692 | $ 186,955,000 | $ 270,166 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 665 | $ 109,674,000 | $ 164,923 | $ 35,000 |
| Cambridge-Newton-Framingham, MA | 644 | $ 202,441,000 | $ 314,349 | $ 47,000 |
| Charlotte-Gastonia-Concord, NC-SC | 637 | $ 79,739,000 | $ 125,178 | $ 58,635 |
| Louisville-Jefferson County, KY-IN | 610 | $ 68,751,000 | $ 112,706 | $ 38,560 |
| El Paso, TX | 599 | $ 67,305,000 | $ 112,362 | $ 22,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 583 | $ 95,296,000 | $ 163,457 | $ 28,584 |
| Oxnard-Thousand Oaks-Ventura, CA | 581 | $ 252,589,000 | $ 434,748 | $ 52,000 |
| Merced, CA | 565 | $ 132,989,000 | $ 235,378 | $ 73,000 |
| Spokane, WA | 552 | $ 74,431,000 | $ 134,838 | $ 26,000 |
| Harrisburg-Carlisle, PA | 510 | $ 69,005,000 | $ 135,303 | $ 24,000 |
| Salt Lake City, UT | 477 | $ 78,665,000 | $ 164,916 | $ 65,000 |
| Peoria, IL | 467 | $ 48,091,000 | $ 102,978 | $ 22,000 |
| Flint, MI | 465 | $ 52,911,000 | $ 113,787 | $ 26,000 |
| San Francisco-San Mateo-Redwood City, CA | 458 | $ 197,393,000 | $ 430,989 | $ 111,000 |
| Dayton, OH | 457 | $ 50,768,000 | $ 111,089 | $ 20,000 |
| Fort Wayne, IN | 456 | $ 38,413,000 | $ 84,239 | $ 26,000 |
| Naples-Marco Island, FL | 450 | $ 112,755,000 | $ 250,566 | $ 81,000 |
| Toledo, OH | 444 | $ 53,047,000 | $ 119,475 | $ 27,000 |
| McAllen-Edinburg-Mission, TX | 443 | $ 46,049,000 | $ 103,948 | $ 22,000 |
| Ocala, FL | 439 | $ 63,870,000 | $ 145,489 | $ 36,000 |
| Lansing-East Lansing, MI | 433 | $ 49,458,000 | $ 114,221 | $ 43,000 |
| Scranton--Wilkes-Barre, PA | 431 | $ 49,039,000 | $ 113,779 | $ 20,000 |
| Boise City-Nampa, ID | 427 | $ 61,203,000 | $ 143,332 | $ 23,000 |
| Chattanooga, TN-GA | 421 | $ 48,677,000 | $ 115,622 | $ 23,054 |
| Greensboro-High Point, NC | 415 | $ 45,395,000 | $ 109,385 | $ 55,000 |
| Knoxville, TN | 412 | $ 55,455,000 | $ 134,599 | $ 24,000 |
| Pensacola-Ferry Pass-Brent, FL | 410 | $ 57,597,000 | $ 140,480 | $ 23,000 |
| Greeley, CO | 402 | $ 75,987,000 | $ 189,022 | $ 28,000 |
| Raleigh-Cary, NC | 399 | $ 54,825,000 | $ 137,406 | $ 68,000 |
| York-Hanover, PA | 390 | $ 65,053,000 | $ 166,802 | $ 24,000 |
| Pueblo, CO | 387 | $ 51,015,000 | $ 131,821 | $ 26,000 |
| Salem, OR | 387 | $ 64,025,000 | $ 165,439 | $ 28,000 |
| Santa Rosa-Petaluma, CA | 382 | $ 122,697,000 | $ 321,196 | $ 111,000 |
| Shreveport-Bossier City, LA | 380 | $ 43,420,000 | $ 114,263 | $ 17,000 |
| Youngstown-Warren-Boardman, OH-PA | 380 | $ 40,710,000 | $ 107,131 | $ 19,968 |
| Akron, OH | 379 | $ 47,542,000 | $ 125,440 | $ 23,000 |
| Madera, CA | 378 | $ 81,645,000 | $ 215,992 | $ 60,000 |
| Yakima, WA | 376 | $ 55,658,000 | $ 148,026 | $ 25,000 |
| South Bend-Mishawaka, IN-MI | 370 | $ 32,753,000 | $ 88,521 | $ 21,845 |
| Atlantic City, NJ | 363 | $ 76,091,000 | $ 209,617 | $ 45,000 |
| Oklahoma City, OK | 363 | $ 40,466,000 | $ 111,476 | $ 44,000 |
| Roanoke, VA | 360 | $ 46,874,000 | $ 130,205 | $ 24,000 |
| Cleveland-Elyria-Mentor, OH | 343 | $ 43,549,000 | $ 126,965 | $ 58,000 |
| Killeen-Temple-Fort Hood, TX | 333 | $ 36,419,000 | $ 109,366 | $ 25,000 |
| Trenton-Ewing, NJ | 333 | $ 64,521,000 | $ 193,756 | $ 49,000 |
| Beaumont-Port Arthur, TX | 330 | $ 35,252,000 | $ 106,824 | $ 28,000 |
| Brownsville-Harlingen, TX | 328 | $ 32,036,000 | $ 97,670 | $ 27,000 |
| Kennewick-Richland-Pasco, WA | 328 | $ 47,645,000 | $ 145,259 | $ 26,000 |
| Corpus Christi, TX | 320 | $ 34,189,000 | $ 106,840 | $ 26,000 |
| Tulsa, OK | 318 | $ 36,576,000 | $ 115,018 | $ 56,000 |
| Reno-Sparks, NV | 316 | $ 79,574,000 | $ 251,816 | $ 45,000 |
| Canton-Massillon, OH | 296 | $ 34,590,000 | $ 116,858 | $ 18,000 |
| Hagerstown-Martinsburg, MD-WV | 293 | $ 57,661,000 | $ 196,795 | $ 41,000 |
| Kalamazoo-Portage, MI | 292 | $ 30,613,000 | $ 104,839 | $ 21,000 |
| Lancaster, PA | 286 | $ 41,736,000 | $ 145,930 | $ 21,000 |
| Olympia, WA | 286 | $ 62,055,000 | $ 216,975 | $ 33,000 |
| Norwich-New London, CT | 283 | $ 63,662,000 | $ 224,954 | $ 31,000 |
| Laredo, TX | 281 | $ 32,553,000 | $ 115,846 | $ 27,000 |
| Yuba City, CA | 273 | $ 63,963,000 | $ 234,296 | $ 71,000 |
| Hanford-Corcoran, CA | 271 | $ 40,272,000 | $ 148,605 | $ 45,000 |
| Winston-Salem, NC | 270 | $ 28,587,000 | $ 105,877 | $ 49,000 |
| Vineland-Millville-Bridgeton, NJ | 266 | $ 39,860,000 | $ 149,849 | $ 37,000 |
| Elkhart-Goshen, IN | 257 | $ 26,168,000 | $ 101,821 | $ 21,000 |
| Springfield, MO | 257 | $ 27,871,000 | $ 108,447 | $ 32,000 |
| Tallahassee, FL | 256 | $ 37,736,000 | $ 147,406 | $ 36,000 |
| Davenport-Moline-Rock Island, IA-IL | 255 | $ 23,956,000 | $ 93,945 | $ 18,447 |
| Eugene-Springfield, OR | 252 | $ 43,413,000 | $ 172,273 | $ 31,000 |
| Augusta-Richmond County, GA-SC | 242 | $ 25,892,000 | $ 106,991 | $ 18,640 |
| Fort Collins-Loveland, CO | 241 | $ 52,070,000 | $ 216,058 | $ 26,000 |
| Lynchburg, VA | 239 | $ 29,813,000 | $ 124,740 | $ 24,000 |
| Savannah, GA | 233 | $ 32,160,000 | $ 138,025 | $ 29,000 |
| Reading, PA | 230 | $ 34,895,000 | $ 151,717 | $ 21,000 |
| Kankakee-Bradley, IL | 229 | $ 27,269,000 | $ 119,078 | $ 26,000 |
| Lincoln, NE | 225 | $ 27,786,000 | $ 123,493 | $ 20,000 |
| Bremerton-Silverdale, WA | 220 | $ 48,973,000 | $ 222,604 | $ 39,000 |
| Muskegon-Norton Shores, MI | 213 | $ 20,410,000 | $ 95,821 | $ 24,000 |
| Santa Barbara-Santa Maria, CA | 211 | $ 75,867,000 | $ 359,559 | $ 43,000 |
| Yuma, AZ | 209 | $ 29,681,000 | $ 142,014 | $ 37,000 |
| Salisbury, MD | 206 | $ 30,624,000 | $ 148,660 | $ 47,000 |
| Waco, TX | 204 | $ 22,246,000 | $ 109,049 | $ 36,000 |
| Duluth, MN-WI | 203 | $ 27,553,000 | $ 135,729 | $ 25,527 |
| Houma-Bayou Cane-Thibodaux, LA | 203 | $ 23,017,000 | $ 113,384 | $ 23,000 |
| Grand Junction, CO | 201 | $ 34,102,000 | $ 169,661 | $ 32,000 |
| Michigan City-La Porte, IN | 201 | $ 18,379,000 | $ 91,437 | $ 22,000 |
| Prescott, AZ | 201 | $ 35,135,000 | $ 174,800 | $ 53,000 |
| Lafayette, LA | 199 | $ 25,895,000 | $ 130,125 | $ 15,000 |
| Ogden-Clearfield, UT | 199 | $ 30,199,000 | $ 151,753 | $ 56,000 |
| Clarksville, TN-KY | 198 | $ 24,036,000 | $ 121,393 | $ 28,121 |
| Columbus, GA-AL | 198 | $ 23,234,000 | $ 117,343 | $ 20,000 |
| Dover, DE | 195 | $ 35,701,000 | $ 183,082 | $ 51,000 |
| Janesville, WI | 192 | $ 23,061,000 | $ 120,109 | $ 27,000 |
| Charlottesville, VA | 191 | $ 32,238,000 | $ 168,785 | $ 23,000 |
| Amarillo, TX | 187 | $ 19,822,000 | $ 106,000 | $ 25,000 |
| Madison, WI | 185 | $ 30,861,000 | $ 166,816 | $ 48,000 |
| Racine, WI | 185 | $ 25,255,000 | $ 136,513 | $ 36,000 |
| Punta Gorda, FL | 179 | $ 31,643,000 | $ 176,776 | $ 50,000 |
| Winchester, VA-WV | 177 | $ 39,451,000 | $ 222,887 | $ 41,000 |
| Kingsport-Bristol-Bristol, TN-VA | 176 | $ 19,413,000 | $ 110,301 | $ 20,125 |
| Evansville, IN-KY | 175 | $ 16,042,000 | $ 91,668 | $ 24,211 |
| Tyler, TX | 174 | $ 20,101,000 | $ 115,522 | $ 29,000 |
| Jackson, MI | 173 | $ 18,462,000 | $ 106,716 | $ 25,000 |
| Holland-Grand Haven, MI | 171 | $ 22,104,000 | $ 129,263 | $ 31,000 |
| Champaign-Urbana, IL | 170 | $ 19,581,000 | $ 115,182 | $ 29,000 |
| Ann Arbor, MI | 168 | $ 28,611,000 | $ 170,303 | $ 50,000 |
| Macon, GA | 167 | $ 18,440,000 | $ 110,419 | $ 29,000 |
| Springfield, IL | 166 | $ 18,734,000 | $ 112,855 | $ 23,000 |
| El Centro, CA | 164 | $ 34,189,000 | $ 208,469 | $ 50,000 |
| Little Rock-North Little Rock, AR | 163 | $ 15,412,000 | $ 94,552 | $ 57,000 |
| Barnstable Town, MA | 161 | $ 46,048,000 | $ 286,012 | $ 41,000 |
| Niles-Benton Harbor, MI | 160 | $ 16,814,000 | $ 105,087 | $ 25,000 |
| Sebastian-Vero Beach, FL | 160 | $ 26,318,000 | $ 164,487 | $ 42,000 |
| Battle Creek, MI | 157 | $ 15,591,000 | $ 99,305 | $ 32,000 |
| Boulder, CO | 156 | $ 38,007,000 | $ 243,634 | $ 41,000 |
| Green Bay, WI | 155 | $ 21,590,000 | $ 139,290 | $ 31,000 |
| Jackson, TN | 154 | $ 16,239,000 | $ 105,448 | $ 26,000 |
| Durham, NC | 153 | $ 17,684,000 | $ 115,581 | $ 56,000 |
| Lubbock, TX | 151 | $ 15,192,000 | $ 100,609 | $ 26,000 |
| Chico, CA | 150 | $ 29,979,000 | $ 199,860 | $ 63,000 |
| Lake Charles, LA | 150 | $ 16,095,000 | $ 107,300 | $ 15,000 |
| Provo-Orem, UT | 150 | $ 25,307,000 | $ 168,713 | $ 68,000 |
| Salinas, CA | 149 | $ 56,523,000 | $ 379,348 | $ 137,000 |
| Alexandria, LA | 146 | $ 15,177,000 | $ 103,952 | $ 17,000 |
| Medford, OR | 146 | $ 33,220,000 | $ 227,534 | $ 48,000 |
| Fort Walton Beach-Crestview-Destin, FL | 145 | $ 25,541,000 | $ 176,144 | $ 42,000 |
| Gainesville, FL | 145 | $ 18,403,000 | $ 126,917 | $ 30,000 |
| Hickory-Lenoir-Morganton, NC | 145 | $ 16,277,000 | $ 112,255 | $ 54,000 |
| Longview, TX | 143 | $ 14,847,000 | $ 103,825 | $ 27,000 |
| Saginaw-Saginaw Township North, MI | 143 | $ 14,723,000 | $ 102,958 | $ 16,000 |
| St. Cloud, MN | 143 | $ 20,728,000 | $ 144,951 | $ 15,000 |
| Longview, WA | 141 | $ 21,743,000 | $ 154,205 | $ 34,000 |
| Danville, VA | 140 | $ 14,129,000 | $ 100,921 | $ 16,000 |
| Erie, PA | 138 | $ 15,429,000 | $ 111,804 | $ 22,000 |
| Gainesville, GA | 135 | $ 18,690,000 | $ 138,444 | $ 35,000 |
| Bloomington-Normal, IL | 131 | $ 16,371,000 | $ 124,969 | $ 25,000 |
| Redding, CA | 131 | $ 25,581,000 | $ 195,274 | $ 60,000 |
| Blacksburg-Christiansburg-Radford, VA | 130 | $ 17,428,000 | $ 134,061 | $ 22,000 |
| Rochester, MN | 130 | $ 19,974,000 | $ 153,646 | $ 20,000 |
| Anderson, IN | 126 | $ 10,621,000 | $ 84,293 | $ 15,000 |
| Joplin, MO | 126 | $ 13,281,000 | $ 105,404 | $ 33,000 |
| Lafayette, IN | 126 | $ 12,252,000 | $ 97,238 | $ 23,000 |
| Wichita, KS | 122 | $ 13,384,000 | $ 109,704 | $ 48,000 |
| Panama City-Lynn Haven, FL | 121 | $ 18,296,000 | $ 151,206 | $ 37,000 |
| Terre Haute, IN | 118 | $ 9,335,000 | $ 79,110 | $ 21,000 |
| Fayetteville, NC | 117 | $ 12,437,000 | $ 106,299 | $ 52,000 |
| College Station-Bryan, TX | 114 | $ 12,961,000 | $ 113,692 | $ 40,000 |
| Springfield, OH | 110 | $ 12,914,000 | $ 117,400 | $ 15,000 |
| Bay City, MI | 109 | $ 10,429,000 | $ 95,678 | $ 16,000 |
| Lexington-Fayette, KY | 109 | $ 14,640,000 | $ 134,311 | $ 51,000 |
| Ocean City, NJ | 106 | $ 23,221,000 | $ 219,066 | $ 45,000 |
| Wenatchee, WA | 106 | $ 18,083,000 | $ 170,594 | $ 29,000 |
| Santa Cruz-Watsonville, CA | 105 | $ 44,572,000 | $ 424,495 | $ 77,000 |
| Sherman-Denison, TX | 105 | $ 11,419,000 | $ 108,752 | $ 28,000 |
| Appleton, WI | 104 | $ 15,252,000 | $ 146,653 | $ 36,000 |
| Mount Vernon-Anacortes, WA | 103 | $ 21,648,000 | $ 210,174 | $ 36,000 |
| Williamsport, PA | 103 | $ 11,264,000 | $ 109,359 | $ 14,000 |
| Athens-Clarke County, GA | 102 | $ 13,867,000 | $ 135,950 | $ 22,000 |
| Bloomington, IN | 101 | $ 10,357,000 | $ 102,544 | $ 21,000 |
| Decatur, IL | 100 | $ 10,131,000 | $ 101,310 | $ 25,000 |
| Kokomo, IN | 99 | $ 9,144,000 | $ 92,363 | $ 22,000 |
| Monroe, MI | 98 | $ 14,149,000 | $ 144,377 | $ 29,000 |
| Morristown, TN | 98 | $ 11,618,000 | $ 118,551 | $ 18,000 |
| Lebanon, PA | 97 | $ 11,912,000 | $ 122,804 | $ 19,000 |
| Mansfield, OH | 97 | $ 10,727,000 | $ 110,587 | $ 22,000 |
| Midland, TX | 96 | $ 10,962,000 | $ 114,187 | $ 29,000 |
| Monroe, LA | 96 | $ 11,089,000 | $ 115,510 | $ 17,000 |
| Harrisonburg, VA | 95 | $ 16,764,000 | $ 176,463 | $ 15,000 |
| Wichita Falls, TX | 93 | $ 8,692,000 | $ 93,462 | $ 27,000 |
| Bend, OR | 91 | $ 21,166,000 | $ 232,593 | $ 47,000 |
| Napa, CA | 90 | $ 31,478,000 | $ 349,755 | $ 118,000 |
| St. Joseph, MO-KS | 88 | $ 9,687,000 | $ 110,079 | $ 25,000 |
| Las Cruces, NM | 85 | $ 11,464,000 | $ 134,870 | $ 35,000 |
| Muncie, IN | 85 | $ 7,284,000 | $ 85,694 | $ 29,000 |
| Abilene, TX | 82 | $ 8,437,000 | $ 102,890 | $ 45,000 |
| Bellingham, WA | 82 | $ 19,469,000 | $ 237,426 | $ 27,000 |
| Topeka, KS | 82 | $ 7,448,000 | $ 90,829 | $ 47,000 |
| Albany, GA | 81 | $ 8,346,000 | $ 103,037 | $ 23,000 |
| Flagstaff, AZ | 81 | $ 15,695,000 | $ 193,765 | $ 29,000 |
| Dalton, GA | 80 | $ 9,658,000 | $ 120,725 | $ 15,000 |
| Jefferson City, MO | 80 | $ 8,239,000 | $ 102,987 | $ 39,000 |
| Johnson City, TN | 80 | $ 9,515,000 | $ 118,937 | $ 23,000 |
| Warner Robins, GA | 80 | $ 9,109,000 | $ 113,862 | $ 24,000 |
| Wausau, WI | 79 | $ 9,559,000 | $ 121,000 | $ 24,000 |
| Asheville, NC | 78 | $ 12,880,000 | $ 165,128 | $ 66,000 |
| Oshkosh-Neenah, WI | 76 | $ 9,642,000 | $ 126,868 | $ 34,000 |
| Santa Fe, NM | 74 | $ 17,652,000 | $ 238,540 | $ 50,000 |
| Wilmington, NC | 74 | $ 14,038,000 | $ 189,702 | $ 75,000 |
| Columbia, MO | 73 | $ 8,615,000 | $ 118,013 | $ 23,000 |
| Eau Claire, WI | 73 | $ 9,459,000 | $ 129,575 | $ 30,000 |
| Cumberland, MD-WV | 71 | $ 7,837,000 | $ 110,380 | $ 26,000 |
| San Angelo, TX | 71 | $ 6,224,000 | $ 87,661 | $ 31,000 |
| Burlington, NC | 70 | $ 6,897,000 | $ 98,528 | $ 43,000 |
| Johnstown, PA | 69 | $ 7,479,000 | $ 108,391 | $ 17,000 |
| Altoona, PA | 68 | $ 5,675,000 | $ 83,455 | $ 21,000 |
| San Luis Obispo-Paso Robles, CA | 67 | $ 24,934,000 | $ 372,149 | $ 50,000 |
| Cleveland, TN | 66 | $ 7,219,000 | $ 109,378 | $ 15,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 66 | $ 9,917,000 | $ 150,257 | $ 49,045 |
| Pittsfield, MA | 66 | $ 10,695,000 | $ 162,045 | $ 22,000 |
| Sandusky, OH | 66 | $ 8,260,000 | $ 125,151 | $ 18,000 |
| Idaho Falls, ID | 65 | $ 7,881,000 | $ 121,246 | $ 17,000 |
| Lima, OH | 64 | $ 6,790,000 | $ 106,093 | $ 21,000 |
| Huntington-Ashland, WV-KY-OH | 63 | $ 6,619,000 | $ 105,063 | $ 33,142 |
| Rocky Mount, NC | 63 | $ 6,891,000 | $ 109,380 | $ 55,000 |
| Coeur D'Alene, ID | 62 | $ 11,444,000 | $ 184,580 | $ 34,000 |
| Sheboygan, WI | 60 | $ 7,469,000 | $ 124,483 | $ 30,000 |
| Columbia, SC | 57 | $ 7,769,000 | $ 136,298 | $ 51,000 |
| Odessa, TX | 56 | $ 6,308,000 | $ 112,642 | $ 25,000 |
| Victoria, TX | 55 | $ 6,224,000 | $ 113,163 | $ 47,000 |
| Texarkana, Tx-Texarkana, AR | 53 | $ 5,443,000 | $ 102,698 | $ 31,679 |
| Hinesville-Fort Stewart, GA | 52 | $ 5,501,000 | $ 105,788 | $ 24,000 |
| Valdosta, GA | 52 | $ 6,488,000 | $ 124,769 | $ 28,000 |
| State College, PA | 51 | $ 7,393,000 | $ 144,960 | $ 37,000 |
| Jacksonville, NC | 50 | $ 6,293,000 | $ 125,860 | $ 60,000 |
| La Crosse, WI-MN | 50 | $ 7,424,000 | $ 148,480 | $ 28,100 |
| Pocatello, ID | 50 | $ 5,555,000 | $ 111,100 | $ 12,000 |
| Farmington, NM | 48 | $ 6,874,000 | $ 143,208 | $ 31,000 |
| Brunswick, GA | 47 | $ 6,029,000 | $ 128,276 | $ 27,000 |
| Des Moines-West Des Moines, IA | 47 | $ 7,491,000 | $ 159,382 | $ 100,000 |
| Lewiston, ID-WA | 47 | $ 6,841,000 | $ 145,553 | $ 22,404 |
| Rome, GA | 45 | $ 4,864,000 | $ 108,088 | $ 11,000 |
| Charleston-North Charleston, SC | 44 | $ 8,315,000 | $ 188,977 | $ 53,000 |
| Weirton-Steubenville, WV-OH | 42 | $ 3,932,000 | $ 93,619 | $ 20,000 |
| Fond Du Lac, WI | 40 | $ 5,054,000 | $ 126,350 | $ 34,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 40 | $ 4,072,000 | $ 101,800 | $ 8,250 |
| Columbus, IN | 39 | $ 3,127,000 | $ 80,179 | $ 11,000 |
| Danville, IL | 39 | $ 3,711,000 | $ 95,153 | $ 27,000 |
| Logan, UT-ID | 39 | $ 5,263,000 | $ 134,948 | $ 56,153 |
| Greenville, SC | 35 | $ 4,252,000 | $ 121,485 | $ 47,000 |
| St. George, UT | 35 | $ 8,270,000 | $ 236,285 | $ 58,000 |
| Wheeling, WV-OH | 35 | $ 3,304,000 | $ 94,400 | $ 16,000 |
| Carson City, NV | 32 | $ 7,014,000 | $ 219,187 | $ 41,000 |
| Fargo, ND-MN | 32 | $ 3,907,000 | $ 122,093 | $ 11,625 |
| Elizabethtown, KY | 31 | $ 3,475,000 | $ 112,096 | $ 48,000 |
| Goldsboro, NC | 30 | $ 3,941,000 | $ 131,366 | $ 53,000 |
| Greenville, NC | 29 | $ 4,040,000 | $ 139,310 | $ 53,000 |
| Lawrence, KS | 29 | $ 3,526,000 | $ 121,586 | $ 61,000 |
| Fort Smith, AR-OK | 28 | $ 3,093,000 | $ 110,464 | $ 54,142 |
| Corvallis, OR | 27 | $ 5,629,000 | $ 208,481 | $ 32,000 |
| Lawton, OK | 27 | $ 3,281,000 | $ 121,518 | $ 37,000 |
| Sioux City, IA-NE-SD | 26 | $ 2,336,000 | $ 89,846 | $ 17,538 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 23 | $ 3,983,000 | $ 173,173 | $ 85,000 |
| Bowling Green, KY | 21 | $ 2,094,000 | $ 99,714 | $ 57,000 |
| Manchester-Nashua, NH | 19 | $ 3,398,000 | $ 178,842 | $ 62,000 |
| Spartanburg, SC | 19 | $ 1,933,000 | $ 101,736 | $ 46,000 |
| Waterloo-Cedar Falls, IA | 18 | $ 1,210,000 | $ 67,222 | $ 45,000 |
| Grand Forks, ND-MN | 16 | $ 1,877,000 | $ 117,312 | $ 21,000 |
| Pine Bluff, AR | 16 | $ 1,195,000 | $ 74,687 | $ 45,000 |
| Hot Springs, AR | 14 | $ 1,726,000 | $ 123,285 | $ 57,000 |
| Owensboro, KY | 14 | $ 1,237,000 | $ 88,357 | $ 51,000 |
| Cedar Rapids, IA | 12 | $ 1,648,000 | $ 137,333 | $ 48,000 |
| Florence, SC | 11 | $ 1,173,000 | $ 106,636 | $ 41,000 |
| Jonesboro, AR | 11 | $ 1,245,000 | $ 113,181 | $ 50,000 |
| Rockingham County-Strafford County, NH | 10 | $ 2,491,000 | $ 249,100 | $ 82,000 |
| Anderson, SC | 8 | $ 1,113,000 | $ 139,125 | $ 54,000 |
| Sumter, SC | 8 | $ 764,000 | $ 95,500 | $ 41,000 |
| Billings, MT | 7 | $ 984,000 | $ 140,571 | $ 35,000 |
| Cheyenne, WY | 7 | $ 867,000 | $ 123,857 | $ 96,000 |
| Missoula, MT | 7 | $ 985,000 | $ 140,714 | $ 67,000 |
| Nassau-Suffolk, NY | 5 | $ 1,245,000 | $ 249,000 | $ 80,000 |
| Sioux Falls, SD | 5 | $ 362,000 | $ 72,400 | $ 43,000 |
| Casper, WY | 4 | $ 498,000 | $ 124,500 | $ 61,000 |
| Dubuque, IA | 4 | $ 288,000 | $ 72,000 | $ 46,000 |
| Great Falls, MT | 4 | $ 707,000 | $ 176,750 | $ 69,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 302,000 | $ 100,666 | $ 259,000 |
| Charleston, WV | 3 | $ 185,000 | $ 61,666 | $ 45,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 635,000 | $ 211,666 | $ 91,000 |
| Rochester, NY | 3 | $ 347,000 | $ 115,666 | $ 69,000 |
| Iowa City, IA | 2 | $ 217,000 | $ 108,500 | $ 88,000 |
| Kingston, NY | 2 | $ 231,000 | $ 115,500 | $ 79,000 |
| Ames, IA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Jackson, MS | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Montgomery, AL | 1 | $ 350,000 | $ 350,000 | $ 102,000 |
| Rapid City, SD | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Syracuse, NY | 1 | $ 490,000 | $ 490,000 | $ 335,000 |
Mortgage Loan Application Detail Totals for First Nlc Financial Services, in 2006
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 | 208,717 | $38,823,078,000 | $186,000 | $5,000,000 | $37,000 | $3,000,000 |
| Home Purchase | 57,649 | $9,516,634,000 | $165,000 | $4,988,000 | $81,000 | $1,996,000 |
| Home Improvement | 43 | $4,559,000 | $106,000 | $270,000 | $42,000 | $500,000 |
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 | 106,908 | $18,616,908,000 | $174,000 | $5,000,000 | $41,000 | $3,000,000 |
| Not Provided | 58,452 | $11,515,105,000 | $197,000 | $3,600,000 | $33,000 | $1,920,000 |
| Black or African American | 49,852 | $7,865,146,000 | $157,000 | $4,000,000 | $48,000 | $1,584,000 |
| Hispanic | 42,904 | $8,296,997,000 | $193,000 | $4,800,000 | $68,000 | $1,884,000 |
| Asian | 4,883 | $1,252,014,000 | $256,000 | $3,055,000 | $85,000 | $1,800,000 |
| Native Hawaiian or Other Pacific Islander | 1,771 | $452,537,000 | $255,000 | $1,952,000 | $71,000 | $1,556,000 |
| American Indian or Alaskan Native | 1,639 | $345,564,000 | $210,000 | $1,300,000 | $57,000 | $756,000 |
| 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) | 266,409 | $48,344,271,000 | $181,000 | $5,000,000 | $46,000 | $3,000,000 |
| 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 | 96,869 | $19,067,104,000 | $196,000 | $5,000,000 | $27,000 | $3,000,000 |
| File Closed For Incompleteness | 51,778 | $9,264,321,000 | $178,000 | $4,000,000 | $24,000 | $1,920,000 |
| Application Denied By Financial Institution | 46,080 | $7,670,090,000 | $166,000 | $4,800,000 | $57,000 | $1,996,000 |
| Loan Originated | 39,759 | $6,508,344,000 | $163,000 | $2,866,000 | $77,000 | $1,884,000 |
| Application Approved But Not Accepted | 30,236 | $5,565,123,000 | $184,000 | $4,988,000 | $88,000 | $1,800,000 |
| Loan Purchased By The Institution | 1,687 | $269,289,000 | $159,000 | $700,000 | $78,000 | $444,000 |
| 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 2006 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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