Ntfn, Inc. Mortgage Lending & HMDA Data, 2013
In 2013, Ntfn, Inc. of Plano, TX reported 12,212 mortgage applications totaling $2.2 billion, down 7% from 2012. The average application was for $176,105, and applicants reported an average income of $85,873. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dallas-Plano-Irving, TX (2,252), Houston-Sugar Land-Baytown, TX (1,387) and Fort Worth-Arlington, TX (1,360) (applications in parentheses).
| Mortgage Company & Address | Ntfn, Inc. 700 State Highway 121, Suite 100 Plano, TX 75067 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 12,212 |
| Total Mortgage Loan Application Amount | $2,150,606,000 |
| Average Mortgage Loan Application Amount | $176,105 |
| Highest Mortgage Loan Application Amount | $1,320,000 |
| Average Applicant Income | $85,873 |
| Highest Applicant Income | $1,845,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ntfn, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 2,252 | $ 442,940,000 | $ 196,687 | $ 99,000 |
| Houston-Sugar Land-Baytown, TX | 1,387 | $ 245,927,000 | $ 177,308 | $ 98,000 |
| Fort Worth-Arlington, TX | 1,360 | $ 242,208,000 | $ 178,094 | $ 89,000 |
| San Antonio-New Braunfels, TX | 950 | $ 179,973,000 | $ 189,445 | $ 87,000 |
| Baton Rouge, LA | 620 | $ 108,547,000 | $ 175,075 | $ 73,000 |
| Austin-Round Rock-San Marcos, TX | 503 | $ 101,469,000 | $ 201,727 | $ 105,000 |
| El Paso, TX | 411 | $ 61,509,000 | $ 149,656 | $ 73,000 |
| Lafayette, LA | 294 | $ 51,630,000 | $ 175,612 | $ 70,000 |
| San Angelo, TX | 292 | $ 47,114,000 | $ 161,349 | $ 78,000 |
| Tyler, TX | 283 | $ 43,145,000 | $ 152,455 | $ 74,000 |
| McAllen-Edinburg-Mission, TX | 278 | $ 41,853,000 | $ 150,550 | $ 72,000 |
| New Orleans-Metairie-Kenner, LA | 274 | $ 48,215,000 | $ 175,967 | $ 80,000 |
| Lake Charles, LA | 258 | $ 39,200,000 | $ 151,937 | $ 68,000 |
| Longview, TX | 176 | $ 24,855,000 | $ 141,221 | $ 69,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 175 | $ 35,582,000 | $ 203,325 | $ 87,000 |
| Laredo, TX | 165 | $ 25,903,000 | $ 156,987 | $ 65,000 |
| Shreveport-Bossier City, LA | 141 | $ 24,849,000 | $ 176,234 | $ 67,000 |
| Brownsville-Harlingen, TX | 121 | $ 18,512,000 | $ 152,991 | $ 83,000 |
| Little Rock-North Little Rock-Conway, AR | 119 | $ 17,101,000 | $ 143,705 | $ 61,000 |
| Denver-Aurora-Broomfield, CO | 99 | $ 26,605,000 | $ 268,737 | $ 110,000 |
| Corpus Christi, TX | 98 | $ 17,485,000 | $ 178,418 | $ 92,000 |
| Monroe, LA | 92 | $ 14,875,000 | $ 161,684 | $ 75,000 |
| Abilene, TX | 82 | $ 13,488,000 | $ 164,487 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 61 | $ 6,876,000 | $ 112,721 | $ 48,000 |
| Oklahoma City, OK | 60 | $ 13,661,000 | $ 227,683 | $ 111,000 |
| Texarkana, Tx-Texarkana, AR | 56 | $ 7,605,000 | $ 135,803 | $ 60,250 |
| Amarillo, TX | 48 | $ 7,500,000 | $ 156,250 | $ 75,000 |
| Orlando-Kissimmee-Sanford, FL | 46 | $ 8,184,000 | $ 177,913 | $ 76,000 |
| Fargo, ND-MN | 31 | $ 4,583,000 | $ 147,838 | $ 67,096 |
| Waco, TX | 28 | $ 3,985,000 | $ 142,321 | $ 67,000 |
| Victoria, TX | 27 | $ 4,954,000 | $ 183,481 | $ 88,000 |
| Pine Bluff, AR | 26 | $ 2,828,000 | $ 108,769 | $ 49,000 |
| Colorado Springs, CO | 25 | $ 3,889,000 | $ 155,560 | $ 87,000 |
| Beaumont-Port Arthur, TX | 22 | $ 2,811,000 | $ 127,772 | $ 69,000 |
| Killeen-Temple-Fort Hood, TX | 22 | $ 2,783,000 | $ 126,500 | $ 63,000 |
| Odessa, TX | 20 | $ 3,994,000 | $ 199,700 | $ 86,000 |
| Pittsburgh, PA | 20 | $ 2,396,000 | $ 119,800 | $ 100,000 |
| North Port-Bradenton-Sarasota, FL | 17 | $ 3,448,000 | $ 202,823 | $ 75,000 |
| College Station-Bryan, TX | 16 | $ 2,902,000 | $ 181,375 | $ 142,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 16 | $ 2,223,000 | $ 138,937 | $ 50,000 |
| Midland, TX | 14 | $ 2,984,000 | $ 213,142 | $ 88,000 |
| Billings, MT | 13 | $ 2,247,000 | $ 172,846 | $ 55,000 |
| Houma-Bayou Cane-Thibodaux, LA | 13 | $ 2,265,000 | $ 174,230 | $ 70,000 |
| Sherman-Denison, TX | 13 | $ 1,942,000 | $ 149,384 | $ 76,000 |
| Greeley, CO | 12 | $ 2,644,000 | $ 220,333 | $ 61,000 |
| Albuquerque, NM | 11 | $ 1,995,000 | $ 181,363 | $ 83,000 |
| Boulder, CO | 9 | $ 1,763,000 | $ 195,888 | $ 78,000 |
| Lakeland-Winter Haven, FL | 9 | $ 952,000 | $ 105,777 | $ 34,000 |
| Lawton, OK | 9 | $ 1,424,000 | $ 158,222 | $ 68,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 2,617,000 | $ 290,777 | $ 107,000 |
| Wichita Falls, TX | 9 | $ 1,284,000 | $ 142,666 | $ 72,000 |
| Las Cruces, NM | 8 | $ 1,437,000 | $ 179,625 | $ 73,000 |
| St. Cloud, MN | 8 | $ 1,213,000 | $ 151,625 | $ 74,000 |
| Alexandria, LA | 6 | $ 941,000 | $ 156,833 | $ 126,000 |
| Naples-Marco Island, FL | 6 | $ 1,421,000 | $ 236,833 | $ 208,000 |
| Fort Collins-Loveland, CO | 5 | $ 1,079,000 | $ 215,800 | $ 73,000 |
| Grand Forks, ND-MN | 5 | $ 707,000 | $ 141,400 | $ 53,400 |
| Lincoln, NE | 5 | $ 499,000 | $ 99,800 | $ 51,000 |
| Lubbock, TX | 5 | $ 498,000 | $ 99,600 | $ 131,000 |
| Ocala, FL | 5 | $ 596,000 | $ 119,200 | $ 45,000 |
| Sioux Falls, SD | 5 | $ 710,000 | $ 142,000 | $ 42,000 |
| State College, PA | 5 | $ 784,000 | $ 156,800 | $ 70,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 958,000 | $ 239,500 | $ 86,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 420,000 | $ 105,000 | $ 64,000 |
| Philadelphia, PA | 4 | $ 825,000 | $ 206,250 | $ 60,000 |
| Tulsa, OK | 4 | $ 1,038,000 | $ 259,500 | $ 76,000 |
| Great Falls, MT | 3 | $ 590,000 | $ 196,666 | $ 80,000 |
| Port St. Lucie, FL | 3 | $ 365,000 | $ 121,666 | $ 34,000 |
| Missoula, MT | 2 | $ 456,000 | $ 228,000 | $ 157,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 612,000 | $ 306,000 | $ 95,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 486,000 | $ 243,000 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 157,000 | $ 157,000 | $ 38,000 |
| Columbia, SC | 1 | $ 336,000 | $ 336,000 | $ 101,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 158,000 | $ 158,000 | $ 111,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 372,000 | $ 372,000 | $ 99,000 |
| Grand Junction, CO | 1 | $ 208,000 | $ 208,000 | $ 187,000 |
| Hot Springs, AR | 1 | $ 232,000 | $ 232,000 | $ 74,000 |
| Jonesboro, AR | 1 | $ 167,000 | $ 167,000 | $ 91,000 |
| Lancaster, PA | 1 | $ 148,000 | $ 148,000 | $ 67,000 |
| Mankato-North Mankato, MN | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Memphis, TN-MS-AR | 1 | $ 201,000 | $ 201,000 | $ 168,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 182,000 | $ 182,000 | $ 66,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 137,000 | $ 137,000 | $ 56,000 |
| Reading, PA | 1 | $ 222,000 | $ 222,000 | $ 132,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 72,000 | $ 72,000 | $ 63,000 |
| Sioux City, IA-NE-SD | 1 | $ 114,000 | $ 114,000 | $ 32,000 |
| Spartanburg, SC | 1 | $ 135,000 | $ 135,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Ntfn, Inc. in 2013
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 | 10,013 | $1,714,509,000 | $171,000 | $1,000,000 | $81,000 | $1,845,000 |
| Refinancing | 2,179 | $432,967,000 | $198,000 | $1,320,000 | $108,000 | $991,000 |
| Home Improvement | 20 | $3,130,000 | $156,000 | $417,000 | $115,000 | $300,000 |
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 | 8,052 | $1,481,557,000 | $183,000 | $1,320,000 | $92,000 | $908,000 |
| Hispanic | 2,353 | $351,474,000 | $149,000 | $690,000 | $68,000 | $1,845,000 |
| Black or African American | 892 | $147,941,000 | $165,000 | $759,000 | $69,000 | $522,000 |
| Not Provided | 601 | $112,303,000 | $186,000 | $1,021,000 | $94,000 | $684,000 |
| Asian | 257 | $46,638,000 | $181,000 | $639,000 | $94,000 | $847,000 |
| American Indian or Alaskan Native | 34 | $6,350,000 | $186,000 | $417,000 | $118,000 | $991,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $4,343,000 | $188,000 | $417,000 | $80,000 | $152,000 |
| 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) | 5,226 | $1,059,772,000 | $202,000 | $1,320,000 | $114,000 | $1,845,000 |
| FHA-insured (Federal Housing Administration) | 4,317 | $639,858,000 | $148,000 | $429,000 | $65,000 | $525,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1,389 | $191,085,000 | $137,000 | $371,000 | $48,000 | $684,000 |
| VA-guaranteed (Veterans Administration) | 1,280 | $259,891,000 | $203,000 | $759,000 | $82,000 | $414,000 |
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 | 10,686 | $1,896,198,000 | $177,000 | $1,320,000 | $87,000 | $1,845,000 |
| Application Denied By Financial Institution | 657 | $104,906,000 | $159,000 | $417,000 | $68,000 | $908,000 |
| Application Withdrawn By Applicant | 417 | $73,220,000 | $175,000 | $778,000 | $88,000 | $684,000 |
| Application Approved But Not Accepted | 300 | $50,691,000 | $168,000 | $417,000 | $83,000 | $521,000 |
| File Closed For Incompleteness | 151 | $25,493,000 | $168,000 | $583,000 | $83,000 | $560,000 |
| Loan Purchased By The Institution | 1 | $98,000 | $98,000 | $98,000 | $47,000 | $47,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 263 | $43,092,000 | $163,000 | $417,000 | $58,000 | $276,000 |
| Credit History | 148 | $24,263,000 | $163,000 | $416,000 | $68,000 | $288,000 |
| Other | 78 | $12,007,000 | $153,000 | $396,000 | $93,000 | $908,000 |
| Collateral | 40 | $5,051,000 | $126,000 | $248,000 | $80,000 | $324,000 |
| Employment History | 32 | $4,618,000 | $144,000 | $331,000 | $55,000 | $445,000 |
| Unverifiable Information | 26 | $4,023,000 | $154,000 | $335,000 | $86,000 | $803,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $976,000 | $122,000 | $188,000 | $43,000 | $67,000 |
| Credit Application Incomplete | 6 | $1,039,000 | $173,000 | $258,000 | $61,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ntfn, Inc.'s 2013 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 Ntfn, Inc.'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.
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