Ntfn, Inc. Mortgage Lending & HMDA Data, 2020
In 2020, Ntfn, Inc. of Plano, TX reported 6,573 mortgage applications totaling $1.6 billion, up 46% from 2019. The average application was for $246,300, and applicants reported an average income of $111,431. 71% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,696), Fort Worth-Arlington, TX (865) and Charleston-North Charleston, SC (774) (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 | 6,573 |
| Total Mortgage Loan Application Amount | $1,618,935,000 |
| Average Mortgage Loan Application Amount | $246,300 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $111,431 |
| Highest Applicant Income | $2,963,000 |
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Act (HMDA) records Ntfn, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,696 | $ 487,450,000 | $ 287,411 | $ 142,000 |
| Fort Worth-Arlington, TX | 865 | $ 221,145,000 | $ 255,658 | $ 125,000 |
| Charleston-North Charleston, SC | 774 | $ 170,670,000 | $ 220,503 | $ 77,000 |
| Outside any metro area | 499 | $ 94,845,000 | $ 190,070 | $ 92,376 |
| Austin-Round Rock, TX | 403 | $ 114,525,000 | $ 284,181 | $ 118,000 |
| Lake Charles, LA | 342 | $ 70,280,000 | $ 205,497 | $ 91,000 |
| San Antonio-New Braunfels, TX | 309 | $ 81,475,000 | $ 263,673 | $ 99,000 |
| Columbus, OH | 221 | $ 40,935,000 | $ 185,226 | $ 69,000 |
| Raleigh, NC | 193 | $ 52,115,000 | $ 270,025 | $ 120,000 |
| Houston-The Woodlands-Sugar Land, TX | 182 | $ 42,210,000 | $ 231,923 | $ 127,000 |
| Sherman-Denison, TX | 156 | $ 36,300,000 | $ 232,692 | $ 116,000 |
| Columbia, SC | 125 | $ 22,575,000 | $ 180,600 | $ 72,000 |
| Oklahoma City, OK | 99 | $ 22,455,000 | $ 226,818 | $ 98,000 |
| Albuquerque, NM | 98 | $ 23,920,000 | $ 244,081 | $ 108,000 |
| Charlotte-Concord-Gastonia, NC-SC | 80 | $ 23,880,000 | $ 298,500 | $ 125,900 |
| Durham-Chapel Hill, NC | 73 | $ 18,225,000 | $ 249,657 | $ 111,000 |
| Punta Gorda, FL | 71 | $ 16,115,000 | $ 226,971 | $ 94,000 |
| New Orleans-Metairie, LA | 57 | $ 13,605,000 | $ 238,684 | $ 86,000 |
| North Port-Sarasota-Bradenton, FL | 34 | $ 8,330,000 | $ 245,000 | $ 87,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 24 | $ 4,400,000 | $ 183,333 | $ 73,000 |
| Sebring, FL | 21 | $ 2,785,000 | $ 132,619 | $ 55,000 |
| Tyler, TX | 18 | $ 3,880,000 | $ 215,555 | $ 112,000 |
| Beaumont-Port Arthur, TX | 13 | $ 3,105,000 | $ 238,846 | $ 109,000 |
| Hammond, LA | 12 | $ 2,580,000 | $ 215,000 | $ 85,000 |
| Killeen-Temple, TX | 12 | $ 1,560,000 | $ 130,000 | $ 54,000 |
| Baton Rouge, LA | 10 | $ 2,020,000 | $ 202,000 | $ 73,000 |
| Waco, TX | 10 | $ 1,720,000 | $ 172,000 | $ 119,000 |
| Corpus Christi, TX | 9 | $ 1,645,000 | $ 182,777 | $ 96,000 |
| Burlington, NC | 8 | $ 1,530,000 | $ 191,250 | $ 80,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,315,000 | $ 187,857 | $ 172,000 |
| Lakeland-Winter Haven, FL | 7 | $ 1,365,000 | $ 195,000 | $ 89,000 |
| Midland, TX | 6 | $ 1,760,000 | $ 293,333 | $ 167,000 |
| Longview, TX | 5 | $ 1,205,000 | $ 241,000 | $ 153,000 |
| Lubbock, TX | 5 | $ 915,000 | $ 183,000 | $ 152,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 1,025,000 | $ 205,000 | $ 102,000 |
| Wilmington, NC | 5 | $ 1,115,000 | $ 223,000 | $ 165,000 |
| Greensboro-High Point, NC | 4 | $ 780,000 | $ 195,000 | $ 96,000 |
| Rocky Mount, NC | 4 | $ 790,000 | $ 197,500 | $ 66,000 |
| Cleveland-Elyria, OH | 3 | $ 645,000 | $ 215,000 | $ 103,000 |
| College Station-Bryan, TX | 3 | $ 685,000 | $ 228,333 | $ 211,000 |
| El Paso, TX | 3 | $ 425,000 | $ 141,666 | $ 41,000 |
| Fayetteville, NC | 3 | $ 615,000 | $ 205,000 | $ 63,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 715,000 | $ 238,333 | $ 87,000 |
| Odessa, TX | 3 | $ 775,000 | $ 258,333 | $ 127,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 475,000 | $ 158,333 | $ 71,000 |
| Wichita Falls, TX | 3 | $ 335,000 | $ 111,666 | $ 42,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 440,000 | $ 220,000 | $ 44,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 210,000 | $ 105,000 | $ 39,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 160,000 | $ 80,000 | $ 80,000 |
| Florence, SC | 2 | $ 180,000 | $ 90,000 | $ 34,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 400,000 | $ 200,000 | $ 116,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 850,000 | $ 425,000 | $ 184,000 |
| Hinesville, GA | 2 | $ 460,000 | $ 230,000 | $ 91,000 |
| Lafayette, LA | 2 | $ 230,000 | $ 115,000 | $ 37,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 550,000 | $ 275,000 | $ 131,000 |
| Sumter, SC | 2 | $ 440,000 | $ 220,000 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 540,000 | $ 270,000 | $ 69,000 |
| Winston-Salem, NC | 2 | $ 470,000 | $ 235,000 | $ 79,000 |
| Abilene, TX | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Akron, OH | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Alexandria, LA | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Amarillo, TX | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Athens-Clarke County, GA | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Canton-Massillon, OH | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Cape Girardeau, MO-IL | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Cincinnati, OH-KY-IN | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 465,000 | $ 465,000 | $ 228,000 |
| Farmington, NM | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Greenville, NC | 1 | $ 515,000 | $ 515,000 | $ 280,000 |
| Hot Springs, AR | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Jacksonville, NC | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Lima, OH | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Mansfield, OH | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Panama City, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| San Angelo, TX | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Santa Fe, NM | 1 | $ 265,000 | $ 265,000 | $ 57,000 |
| Spartanburg, SC | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Springfield, OH | 1 | $ 165,000 | $ 165,000 | $ 87,000 |
| Texarkana, TX-AR | 1 | $ 335,000 | $ 335,000 | $ 639,000 |
| Tulsa, OK | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Valdosta, GA | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 215,000 | $ 215,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Ntfn, Inc. in 2020
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 | 3,703 | $901,605,000 | $243,000 | $1,345,000 | $100,000 | $878,000 |
| Refinancing | 2,270 | $578,340,000 | $254,000 | $1,485,000 | $126,000 | $2,963,000 |
| Cash-out Refinancing | 563 | $130,085,000 | $231,000 | $705,000 | $126,000 | $1,320,000 |
| Home Improvement | 37 | $8,905,000 | $240,000 | $515,000 | $140,000 | $388,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 4,614 | $1,156,690,000 | $250,000 | $1,485,000 | $115,000 | $2,963,000 |
| Hispanic | 709 | $162,555,000 | $229,000 | $865,000 | $93,000 | $940,000 |
| Not Provided | 509 | $133,355,000 | $261,000 | $1,105,000 | $128,000 | $878,000 |
| Black or African American | 484 | $98,020,000 | $202,000 | $605,000 | $75,000 | $359,000 |
| Asian | 192 | $52,400,000 | $272,000 | $515,000 | $141,000 | $471,000 |
| American Indian or Alaskan Native | 42 | $10,210,000 | $243,000 | $565,000 | $97,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,075,000 | $230,000 | $355,000 | $74,000 | $127,000 |
| 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) | 4,781 | $1,213,385,000 | $253,000 | $1,485,000 | $127,000 | $2,963,000 |
| FHA-insured (Federal Housing Administration) | 1,032 | $209,290,000 | $202,000 | $485,000 | $70,000 | $636,000 |
| VA-guaranteed (Veterans Administration) | 599 | $167,205,000 | $279,000 | $835,000 | $73,000 | $391,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 161 | $29,055,000 | $180,000 | $395,000 | $57,000 | $111,000 |
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 | 4,645 | $1,160,435,000 | $249,000 | $835,000 | $110,000 | $1,730,000 |
| Application Withdrawn By Applicant | 1,264 | $307,980,000 | $243,000 | $1,345,000 | $120,000 | $2,963,000 |
| File Closed For Incompleteness | 350 | $85,180,000 | $243,000 | $1,485,000 | $131,000 | $872,000 |
| Application Denied By Financial Institution | 239 | $48,105,000 | $201,000 | $515,000 | $80,000 | $404,000 |
| Application Approved But Not Accepted | 54 | $12,540,000 | $232,000 | $515,000 | $96,000 | $366,000 |
| Preapproval Approved but not Accepted | 18 | $3,880,000 | $215,000 | $515,000 | $82,000 | $300,000 |
| Preapproval Denied by Financial Institution | 3 | $815,000 | $271,000 | $415,000 | $63,000 | $82,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 6,331 | $1,570,015,000 | $247,000 | $1,485,000 | $113,000 | $2,963,000 |
| Credit History | 112 | $22,200,000 | $198,000 | $515,000 | $87,000 | $394,000 |
| Debt-To-Income Ratio | 71 | $15,445,000 | $217,000 | $515,000 | $70,000 | $319,000 |
| Other | 20 | $3,150,000 | $157,000 | $315,000 | $76,000 | $134,000 |
| Collateral | 14 | $2,630,000 | $187,000 | $515,000 | $100,000 | $404,000 |
| Employment History | 13 | $2,815,000 | $216,000 | $335,000 | $74,000 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,760,000 | $220,000 | $415,000 | $60,000 | $98,000 |
| Unverifiable Information | 4 | $920,000 | $230,000 | $505,000 | $82,000 | $154,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ntfn, Inc.'s 2020 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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