Ntfn, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Ntfn, Inc. of Plano, TX reported 5,533 mortgage applications totaling $1.5 billion, down 16% from 2020. The average application was for $265,150, and applicants reported an average income of $116,123. 71% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dallas-Plano-Irving, TX (878), Charleston-North Charleston, SC (815) and Fort Worth-Arlington, TX (505) (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 | 5,533 |
| Total Mortgage Loan Application Amount | $1,467,075,000 |
| Average Mortgage Loan Application Amount | $265,150 |
| Highest Mortgage Loan Application Amount | $2,705,000 |
| Average Applicant Income | $116,123 |
| Highest Applicant Income | $5,561,000 |
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Act (HMDA) records Ntfn, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 878 | $ 302,190,000 | $ 344,179 | $ 156,000 |
| Charleston-North Charleston, SC | 815 | $ 205,465,000 | $ 252,104 | $ 89,000 |
| Outside any metro area | 580 | $ 117,890,000 | $ 203,258 | $ 93,955 |
| Fort Worth-Arlington, TX | 505 | $ 148,805,000 | $ 294,663 | $ 163,000 |
| Lake Charles, LA | 402 | $ 83,110,000 | $ 206,741 | $ 87,000 |
| Austin-Round Rock, TX | 350 | $ 116,990,000 | $ 334,257 | $ 132,000 |
| San Antonio-New Braunfels, TX | 292 | $ 78,630,000 | $ 269,280 | $ 115,000 |
| Columbus, OH | 229 | $ 46,965,000 | $ 205,087 | $ 66,000 |
| Columbia, SC | 197 | $ 32,565,000 | $ 165,304 | $ 65,000 |
| Houston-The Woodlands-Sugar Land, TX | 167 | $ 48,385,000 | $ 289,730 | $ 150,000 |
| Albuquerque, NM | 134 | $ 34,770,000 | $ 259,477 | $ 112,000 |
| Raleigh, NC | 117 | $ 32,355,000 | $ 276,538 | $ 124,000 |
| Sherman-Denison, TX | 112 | $ 28,930,000 | $ 258,303 | $ 119,000 |
| New Orleans-Metairie, LA | 100 | $ 27,380,000 | $ 273,800 | $ 83,000 |
| Charlotte-Concord-Gastonia, NC-SC | 89 | $ 26,985,000 | $ 303,202 | $ 139,955 |
| Oklahoma City, OK | 85 | $ 22,935,000 | $ 269,823 | $ 116,000 |
| Punta Gorda, FL | 66 | $ 15,280,000 | $ 231,515 | $ 88,000 |
| Durham-Chapel Hill, NC | 52 | $ 14,790,000 | $ 284,423 | $ 129,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 39 | $ 8,115,000 | $ 208,076 | $ 64,000 |
| Killeen-Temple, TX | 34 | $ 7,680,000 | $ 225,882 | $ 134,000 |
| Sebring, FL | 26 | $ 4,560,000 | $ 175,384 | $ 66,000 |
| North Port-Sarasota-Bradenton, FL | 19 | $ 4,445,000 | $ 233,947 | $ 69,000 |
| Burlington, NC | 14 | $ 3,380,000 | $ 241,428 | $ 99,000 |
| El Paso, TX | 13 | $ 2,865,000 | $ 220,384 | $ 76,000 |
| Tyler, TX | 11 | $ 2,235,000 | $ 203,181 | $ 112,000 |
| Lafayette, LA | 10 | $ 1,500,000 | $ 150,000 | $ 59,000 |
| Longview, TX | 9 | $ 1,675,000 | $ 186,111 | $ 69,000 |
| Beaumont-Port Arthur, TX | 8 | $ 1,940,000 | $ 242,500 | $ 135,000 |
| College Station-Bryan, TX | 8 | $ 1,470,000 | $ 183,750 | $ 183,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,750,000 | $ 218,750 | $ 69,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 2,430,000 | $ 303,750 | $ 101,875 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 2,270,000 | $ 283,750 | $ 71,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,685,000 | $ 240,714 | $ 96,000 |
| Hammond, LA | 7 | $ 1,485,000 | $ 212,142 | $ 89,000 |
| Abilene, TX | 6 | $ 1,310,000 | $ 218,333 | $ 120,000 |
| Asheville, NC | 6 | $ 1,870,000 | $ 311,666 | $ 287,000 |
| Corpus Christi, TX | 6 | $ 1,430,000 | $ 238,333 | $ 106,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 1,270,000 | $ 211,666 | $ 64,000 |
| Sumter, SC | 5 | $ 795,000 | $ 159,000 | $ 79,000 |
| Waco, TX | 5 | $ 805,000 | $ 161,000 | $ 85,000 |
| Baton Rouge, LA | 4 | $ 1,390,000 | $ 347,500 | $ 127,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,330,000 | $ 332,500 | $ 132,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,130,000 | $ 282,500 | $ 117,000 |
| Lubbock, TX | 4 | $ 620,000 | $ 155,000 | $ 260,000 |
| Midland, TX | 4 | $ 1,340,000 | $ 335,000 | $ 187,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,310,000 | $ 327,500 | $ 134,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 255,000 | $ 85,000 | $ 25,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 465,000 | $ 155,000 | $ 62,000 |
| Fayetteville, NC | 3 | $ 595,000 | $ 198,333 | $ 68,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 605,000 | $ 201,666 | $ 70,000 |
| Santa Fe, NM | 3 | $ 1,035,000 | $ 345,000 | $ 90,000 |
| Tulsa, OK | 3 | $ 745,000 | $ 248,333 | $ 177,000 |
| Amarillo, TX | 2 | $ 290,000 | $ 145,000 | $ 236,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 640,000 | $ 320,000 | $ 89,000 |
| Goldsboro, NC | 2 | $ 310,000 | $ 155,000 | $ 102,000 |
| Greensboro-High Point, NC | 2 | $ 310,000 | $ 155,000 | $ 83,000 |
| Greenville, NC | 2 | $ 460,000 | $ 230,000 | $ 191,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 260,000 | $ 130,000 | $ 121,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 360,000 | $ 180,000 | $ 79,000 |
| Rocky Mount, NC | 2 | $ 380,000 | $ 190,000 | $ 351,000 |
| Savannah, GA | 2 | $ 500,000 | $ 250,000 | $ 66,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 440,000 | $ 220,000 | $ 44,000 |
| Cleveland-Elyria, OH | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 605,000 | $ 605,000 | $ 682,000 |
| Florence, SC | 1 | $ 265,000 | $ 265,000 | $ 97,000 |
| Jacksonville, NC | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Laredo, TX | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Lima, OH | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Macon-Bibb County, GA | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Monroe, LA | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| New Bern, NC | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Shreveport-Bossier City, LA | 1 | $ 325,000 | $ 325,000 | $ 99,000 |
| Spartanburg, SC | 1 | $ 235,000 | $ 235,000 | $ 58,000 |
| Tallahassee, FL | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Winston-Salem, NC | 1 | $ 265,000 | $ 265,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for Ntfn, Inc. in 2021
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 | 3,745 | $1,010,235,000 | $269,000 | $2,405,000 | $110,000 | $3,524,000 |
| Refinancing | 1,146 | $286,980,000 | $250,000 | $1,595,000 | $123,000 | $2,930,000 |
| Cash-out Refinancing | 596 | $157,510,000 | $264,000 | $2,705,000 | $140,000 | $5,561,000 |
| Home Improvement | 46 | $12,350,000 | $268,000 | $545,000 | $134,000 | $405,000 |
| 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 | 3,551 | $965,715,000 | $271,000 | $2,705,000 | $120,000 | $5,561,000 |
| Hispanic | 624 | $154,300,000 | $247,000 | $1,705,000 | $106,000 | $2,760,000 |
| Not Provided | 583 | $159,285,000 | $273,000 | $2,405,000 | $126,000 | $2,930,000 |
| Black or African American | 549 | $119,095,000 | $216,000 | $815,000 | $85,000 | $3,524,000 |
| Asian | 170 | $54,270,000 | $319,000 | $1,205,000 | $141,000 | $548,000 |
| American Indian or Alaskan Native | 41 | $9,035,000 | $220,000 | $545,000 | $100,000 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,170,000 | $292,000 | $345,000 | $126,000 | $209,000 |
| 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) | 3,947 | $1,079,345,000 | $273,000 | $2,705,000 | $133,000 | $5,561,000 |
| FHA-insured (Federal Housing Administration) | 939 | $199,065,000 | $211,000 | $685,000 | $68,000 | $613,000 |
| VA-guaranteed (Veterans Administration) | 481 | $156,315,000 | $324,000 | $1,505,000 | $90,000 | $694,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 166 | $32,350,000 | $194,000 | $345,000 | $58,000 | $99,000 |
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 | 3,947 | $1,033,095,000 | $261,000 | $1,595,000 | $108,000 | $1,766,000 |
| Application Withdrawn By Applicant | 1,047 | $290,155,000 | $277,000 | $2,705,000 | $140,000 | $5,561,000 |
| File Closed For Incompleteness | 270 | $78,730,000 | $291,000 | $2,005,000 | $148,000 | $2,930,000 |
| Application Denied By Financial Institution | 256 | $62,340,000 | $243,000 | $1,855,000 | $109,000 | $2,760,000 |
| Application Approved But Not Accepted | 13 | $2,755,000 | $211,000 | $335,000 | $86,000 | $210,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,277 | $1,404,735,000 | $266,000 | $2,705,000 | $117,000 | $5,561,000 |
| Credit History | 107 | $24,245,000 | $226,000 | $1,855,000 | $139,000 | $2,760,000 |
| Debt-To-Income Ratio | 67 | $14,725,000 | $219,000 | $1,085,000 | $52,000 | $170,000 |
| Other | 42 | $10,910,000 | $259,000 | $1,055,000 | $97,000 | $385,000 |
| Collateral | 19 | $7,645,000 | $402,000 | $1,205,000 | $205,000 | $578,000 |
| Employment History | 10 | $2,360,000 | $236,000 | $475,000 | $77,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,025,000 | $205,000 | $335,000 | $62,000 | $99,000 |
| Unverifiable Information | 4 | $1,040,000 | $260,000 | $295,000 | $85,000 | $139,000 |
| Credit Application Incomplete | 2 | $390,000 | $195,000 | $195,000 | $104,000 | $128,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ntfn, Inc.'s 2021 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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