Lendmark Financial Services Mortgage Lending & HMDA Data, 2006
In 2006, Lendmark Financial Services of Wilson, NC reported 3,733 mortgage applications totaling $300.4 million, down 2% from 2005. The average application was for $80,480, and applicants reported an average income of $59,461. 67% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (436), Baltimore-Towson, MD (248) and Washington-Arlington-Alexandria, DC-VA-MD-WV (207) (applications in parentheses).
| Mortgage Company & Address | Lendmark Financial Services 223 W Nash St Wilson, NC 27893 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,733 |
| Total Mortgage Loan Application Amount | $300,434,000 |
| Average Mortgage Loan Application Amount | $80,480 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $59,461 |
| Highest Applicant Income | $1,703,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lendmark Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 436 | $ 38,951,000 | $ 89,337 | $ 63,000 |
| Baltimore-Towson, MD | 248 | $ 17,022,000 | $ 68,637 | $ 69,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 207 | $ 20,568,000 | $ 99,362 | $ 87,956 |
| Richmond, VA | 101 | $ 6,177,000 | $ 61,158 | $ 59,000 |
| Orlando-Kissimmee, FL | 95 | $ 8,510,000 | $ 89,578 | $ 49,000 |
| Tampa-St. Petersburg-Clearwater, FL | 91 | $ 8,524,000 | $ 93,670 | $ 56,000 |
| Jacksonville, FL | 81 | $ 7,878,000 | $ 97,259 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 68 | $ 5,115,000 | $ 75,220 | $ 57,132 |
| Charlotte-Gastonia-Concord, NC-SC | 48 | $ 3,693,000 | $ 76,937 | $ 72,666 |
| Columbia, SC | 42 | $ 3,422,000 | $ 81,476 | $ 67,000 |
| Louisville-Jefferson County, KY-IN | 42 | $ 2,530,000 | $ 60,238 | $ 45,000 |
| Ocala, FL | 39 | $ 3,469,000 | $ 88,948 | $ 63,000 |
| Lakeland, FL | 38 | $ 3,297,000 | $ 86,763 | $ 45,000 |
| Clarksville, TN-KY | 37 | $ 1,802,000 | $ 48,702 | $ 44,081 |
| Charleston, WV | 36 | $ 2,282,000 | $ 63,388 | $ 51,000 |
| Bethesda-Gaithersburg-Frederick, MD | 34 | $ 3,046,000 | $ 89,588 | $ 89,000 |
| Macon, GA | 34 | $ 3,016,000 | $ 88,705 | $ 50,000 |
| Augusta-Richmond County, GA-SC | 33 | $ 1,773,000 | $ 53,727 | $ 52,636 |
| Charleston-North Charleston, SC | 31 | $ 3,164,000 | $ 102,064 | $ 66,000 |
| Wilmington, DE-MD-NJ | 30 | $ 3,099,000 | $ 103,300 | $ 66,666 |
| Savannah, GA | 29 | $ 2,589,000 | $ 89,275 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 28 | $ 1,758,000 | $ 62,785 | $ 65,857 |
| Asheville, NC | 27 | $ 2,621,000 | $ 97,074 | $ 58,000 |
| Greenville, SC | 27 | $ 1,912,000 | $ 70,814 | $ 54,000 |
| Chattanooga, TN-GA | 24 | $ 1,599,000 | $ 66,625 | $ 56,000 |
| Dalton, GA | 24 | $ 1,229,000 | $ 51,208 | $ 51,000 |
| Huntington-Ashland, WV-KY-OH | 22 | $ 1,480,000 | $ 67,272 | $ 39,454 |
| Raleigh-Cary, NC | 21 | $ 2,773,000 | $ 132,047 | $ 85,000 |
| Salisbury, MD | 21 | $ 2,062,000 | $ 98,190 | $ 52,000 |
| Tallahassee, FL | 21 | $ 2,325,000 | $ 110,714 | $ 64,000 |
| Anderson, SC | 20 | $ 1,345,000 | $ 67,250 | $ 61,000 |
| Charlottesville, VA | 20 | $ 1,482,000 | $ 74,100 | $ 61,000 |
| Fayetteville, NC | 20 | $ 1,868,000 | $ 93,400 | $ 59,000 |
| Knoxville, TN | 20 | $ 2,241,000 | $ 112,050 | $ 68,000 |
| Pensacola-Ferry Pass-Brent, FL | 19 | $ 1,109,000 | $ 58,368 | $ 50,000 |
| Port St. Lucie-Fort Pierce, FL | 19 | $ 1,837,000 | $ 96,684 | $ 61,000 |
| Birmingham-Hoover, AL | 18 | $ 1,616,000 | $ 89,777 | $ 53,000 |
| Hickory-Lenoir-Morganton, NC | 18 | $ 1,458,000 | $ 81,000 | $ 53,000 |
| Wilmington, NC | 18 | $ 1,905,000 | $ 105,833 | $ 109,000 |
| Brunswick, GA | 17 | $ 1,262,000 | $ 74,235 | $ 69,000 |
| Palm Bay-Melbourne-Titusville, FL | 17 | $ 1,732,000 | $ 101,882 | $ 44,000 |
| Sarasota-Bradenton-Venice, FL | 17 | $ 2,069,000 | $ 121,705 | $ 51,000 |
| Roanoke, VA | 16 | $ 1,428,000 | $ 89,250 | $ 51,000 |
| Spartanburg, SC | 16 | $ 926,000 | $ 57,875 | $ 51,000 |
| Winston-Salem, NC | 16 | $ 1,414,000 | $ 88,375 | $ 52,000 |
| Gainesville, GA | 15 | $ 709,000 | $ 47,266 | $ 69,000 |
| Greensboro-High Point, NC | 15 | $ 1,067,000 | $ 71,133 | $ 59,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 15 | $ 1,665,000 | $ 111,000 | $ 171,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 1,642,000 | $ 117,285 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 1,506,000 | $ 107,571 | $ 36,000 |
| Lynchburg, VA | 14 | $ 1,010,000 | $ 72,142 | $ 52,000 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 1,200,000 | $ 85,714 | $ 33,000 |
| Columbus, GA-AL | 13 | $ 1,196,000 | $ 92,000 | $ 41,692 |
| Nashville-Davidson--Murfreesboro, TN | 13 | $ 1,185,000 | $ 91,153 | $ 38,000 |
| Florence, SC | 12 | $ 607,000 | $ 50,583 | $ 43,000 |
| Valdosta, GA | 12 | $ 979,000 | $ 81,583 | $ 70,000 |
| Warner Robins, GA | 12 | $ 804,000 | $ 67,000 | $ 51,000 |
| Decatur, AL | 11 | $ 966,000 | $ 87,818 | $ 40,000 |
| Athens-Clarke County, GA | 10 | $ 583,000 | $ 58,300 | $ 42,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 1,171,000 | $ 117,100 | $ 70,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 820,000 | $ 82,000 | $ 60,000 |
| Wheeling, WV-OH | 10 | $ 346,000 | $ 34,600 | $ 51,000 |
| Winchester, VA-WV | 10 | $ 796,000 | $ 79,600 | $ 55,800 |
| Dover, DE | 9 | $ 1,010,000 | $ 112,222 | $ 78,000 |
| Kingsport-Bristol-Bristol, TN-VA | 9 | $ 635,000 | $ 70,555 | $ 36,000 |
| Cincinnati-Middletown, OH-KY-IN | 8 | $ 674,000 | $ 84,250 | $ 62,250 |
| Durham, NC | 8 | $ 474,000 | $ 59,250 | $ 59,000 |
| Greenville, NC | 8 | $ 707,000 | $ 88,375 | $ 66,000 |
| Lexington-Fayette, KY | 8 | $ 745,000 | $ 93,125 | $ 71,000 |
| Morgantown, WV | 8 | $ 611,000 | $ 76,375 | $ 72,000 |
| Owensboro, KY | 8 | $ 597,000 | $ 74,625 | $ 51,000 |
| Pittsburgh, PA | 8 | $ 706,000 | $ 88,250 | $ 60,000 |
| Morristown, TN | 7 | $ 612,000 | $ 87,428 | $ 40,000 |
| Bowling Green, KY | 6 | $ 327,000 | $ 54,500 | $ 63,000 |
| Cumberland, MD-WV | 6 | $ 514,000 | $ 85,666 | $ 55,333 |
| Gainesville, FL | 6 | $ 524,000 | $ 87,333 | $ 48,000 |
| Rome, GA | 6 | $ 469,000 | $ 78,166 | $ 44,000 |
| Sumter, SC | 6 | $ 534,000 | $ 89,000 | $ 102,000 |
| Albany, GA | 5 | $ 781,000 | $ 156,200 | $ 63,000 |
| Goldsboro, NC | 5 | $ 514,000 | $ 102,800 | $ 67,000 |
| Harrisonburg, VA | 5 | $ 374,000 | $ 74,800 | $ 48,000 |
| Hinesville-Fort Stewart, GA | 5 | $ 514,000 | $ 102,800 | $ 52,000 |
| Indianapolis-Carmel, IN | 5 | $ 673,000 | $ 134,600 | $ 60,000 |
| Memphis, TN-MS-AR | 5 | $ 651,000 | $ 130,200 | $ 60,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 5 | $ 265,000 | $ 53,000 | $ 46,400 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 222,000 | $ 55,500 | $ 41,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 216,000 | $ 54,000 | $ 63,000 |
| Gary, IN | 4 | $ 198,000 | $ 49,500 | $ 35,000 |
| Johnson City, TN | 4 | $ 329,000 | $ 82,250 | $ 28,000 |
| Naples-Marco Island, FL | 4 | $ 348,000 | $ 87,000 | $ 80,000 |
| Panama City-Lynn Haven, FL | 4 | $ 386,000 | $ 96,500 | $ 44,000 |
| Dothan, AL | 3 | $ 165,000 | $ 55,000 | $ 36,000 |
| Jacksonville, NC | 3 | $ 159,000 | $ 53,000 | $ 48,000 |
| Mobile, AL | 3 | $ 254,000 | $ 84,666 | $ 147,000 |
| Philadelphia, PA | 3 | $ 208,000 | $ 69,333 | $ 46,000 |
| Rocky Mount, NC | 3 | $ 177,000 | $ 59,000 | $ 51,000 |
| Anniston-Oxford, AL | 2 | $ 59,000 | $ 29,500 | $ 50,000 |
| Auburn-Opelika, AL | 2 | $ 114,000 | $ 57,000 | $ 24,000 |
| Bloomington, IN | 2 | $ 93,000 | $ 46,500 | $ 16,000 |
| Burlington, NC | 2 | $ 125,000 | $ 62,500 | $ 29,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 202,000 | $ 101,000 | $ 32,000 |
| Elizabethtown, KY | 2 | $ 149,000 | $ 74,500 | $ 70,000 |
| Huntsville, AL | 2 | $ 257,000 | $ 128,500 | $ 43,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 101,000 | $ 50,500 | $ 0 |
| Sebastian-Vero Beach, FL | 2 | $ 434,000 | $ 217,000 | $ 60,000 |
| Anderson, IN | 1 | $ 47,000 | $ 47,000 | $ 138,000 |
| Canton-Massillon, OH | 1 | $ 143,000 | $ 143,000 | $ 32,000 |
| Columbus, OH | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Danville, VA | 1 | $ 280,000 | $ 280,000 | $ 129,000 |
| Evansville, IN-KY | 1 | $ 36,000 | $ 36,000 | $ 31,000 |
| Gadsden, AL | 1 | $ 63,000 | $ 63,000 | $ 34,000 |
| Kokomo, IN | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Lafayette, IN | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Montgomery, AL | 1 | $ 78,000 | $ 78,000 | $ 59,000 |
| Prescott, AZ | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 77,000 | $ 77,000 | $ 22,000 |
| Terre Haute, IN | 1 | $ 146,000 | $ 146,000 | $ 35,000 |
| Toledo, OH | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| York-Hanover, PA | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Lendmark 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 |
|---|---|---|---|---|---|---|
| Home Improvement | 1,469 | $87,307,000 | $59,000 | $565,000 | $60,000 | $349,000 |
| Refinancing | 1,308 | $123,700,000 | $94,000 | $845,000 | $57,000 | $926,000 |
| Home Purchase | 956 | $89,427,000 | $93,000 | $525,000 | $62,000 | $1,703,000 |
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 | 2,006 | $151,921,000 | $75,000 | $845,000 | $60,000 | $1,703,000 |
| Black or African American | 780 | $66,796,000 | $85,000 | $505,000 | $62,000 | $311,000 |
| Not Provided | 663 | $60,283,000 | $90,000 | $750,000 | $66,000 | $960,000 |
| Not applicable | 140 | $7,030,000 | $50,000 | $304,000 | $0 | $0 |
| Hispanic | 110 | $10,575,000 | $96,000 | $455,000 | $64,000 | $225,000 |
| Asian | 23 | $2,730,000 | $118,000 | $388,000 | $82,000 | $150,000 |
| American Indian or Alaskan Native | 9 | $682,000 | $75,000 | $172,000 | $46,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $417,000 | $208,000 | $302,000 | $219,000 | $336,000 |
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) | 3,733 | $300,434,000 | $80,000 | $845,000 | $59,000 | $1,703,000 |
| 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 | 2,512 | $180,695,000 | $71,000 | $565,000 | $61,000 | $960,000 |
| Application Approved But Not Accepted | 494 | $54,091,000 | $109,000 | $845,000 | $69,000 | $1,703,000 |
| Application Denied By Financial Institution | 461 | $44,847,000 | $97,000 | $750,000 | $52,000 | $276,000 |
| Loan Purchased By The Institution | 140 | $7,030,000 | $50,000 | $304,000 | $0 | $0 |
| Application Withdrawn By Applicant | 126 | $13,771,000 | $109,000 | $400,000 | $68,000 | $300,000 |
| File Closed For Incompleteness | 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 | 169 | $14,840,000 | $87,000 | $750,000 | $56,000 | $276,000 |
| Credit History | 107 | $10,828,000 | $101,000 | $455,000 | $48,000 | $156,000 |
| Debt-To-Income Ratio | 81 | $8,611,000 | $106,000 | $505,000 | $45,000 | $240,000 |
| Unverifiable Information | 45 | $4,600,000 | $102,000 | $320,000 | $59,000 | $144,000 |
| Other | 28 | $2,831,000 | $101,000 | $440,000 | $59,000 | $171,000 |
| Employment History | 24 | $2,530,000 | $105,000 | $340,000 | $48,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $335,000 | $55,000 | $86,000 | $43,000 | $72,000 |
| Credit Application Incomplete | 1 | $272,000 | $272,000 | $272,000 | $82,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lendmark 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 Lendmark 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 North Carolina, download the full spreadsheet
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