Wcs Lending, LLC Mortgage Lending & HMDA Data, 2012
In 2012, Wcs Lending, LLC of Boca Raton, FL reported 9,756 mortgage applications totaling $2.1 billion, up 79% from 2011. The average application was for $218,663, and applicants reported an average income of $82,998. 63% of its applications resulted in an originated loan and 14% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (827), Chicago-Joliet-Naperville, IL (413) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (394) (applications in parentheses).
| Mortgage Company & Address | Wcs Lending, LLC 951 Yamato Road, Suite 150 Boca Raton, FL 33431 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 |
| Total Number of Mortgage Applications | 9,756 |
| Total Mortgage Loan Application Amount | $2,133,284,000 |
| Average Mortgage Loan Application Amount | $218,663 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $82,998 |
| Highest Applicant Income | $7,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wcs Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 827 | $ 340,398,000 | $ 411,605 | $ 150,678 |
| Chicago-Joliet-Naperville, IL | 413 | $ 74,752,000 | $ 180,997 | $ 53,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 394 | $ 83,347,000 | $ 211,540 | $ 92,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 328 | $ 79,433,000 | $ 242,173 | $ 119,000 |
| Newark-Union, NJ-PA | 249 | $ 70,128,000 | $ 281,638 | $ 100,835 |
| Lakeland-Winter Haven, FL | 239 | $ 31,777,000 | $ 132,958 | $ 46,000 |
| Miami-Miami Beach-Kendall, FL | 194 | $ 35,883,000 | $ 184,963 | $ 68,000 |
| Nassau-Suffolk, NY | 181 | $ 67,826,000 | $ 374,729 | $ 166,000 |
| Tampa-St. Petersburg-Clearwater, FL | 168 | $ 25,494,000 | $ 151,750 | $ 57,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 167 | $ 57,970,000 | $ 347,125 | $ 102,808 |
| Orlando-Kissimmee-Sanford, FL | 156 | $ 23,899,000 | $ 153,198 | $ 57,000 |
| Riverside-San Bernardino-Ontario, CA | 143 | $ 30,598,000 | $ 213,972 | $ 59,000 |
| Atlanta-Sandy Springs-Marietta, GA | 142 | $ 26,858,000 | $ 189,140 | $ 85,000 |
| Edison-New Brunswick, NJ | 137 | $ 39,539,000 | $ 288,605 | $ 109,000 |
| Houston-Sugar Land-Baytown, TX | 136 | $ 19,874,000 | $ 146,132 | $ 65,000 |
| Baton Rouge, LA | 130 | $ 21,065,000 | $ 162,038 | $ 59,000 |
| Wilmington, DE-MD-NJ | 113 | $ 21,855,000 | $ 193,407 | $ 63,628 |
| Columbus, OH | 110 | $ 20,159,000 | $ 183,263 | $ 92,000 |
| Philadelphia, PA | 110 | $ 29,965,000 | $ 272,409 | $ 100,000 |
| Birmingham-Hoover, AL | 98 | $ 14,212,000 | $ 145,020 | $ 51,000 |
| Albany-Schenectady-Troy, NY | 94 | $ 16,601,000 | $ 176,606 | $ 61,000 |
| Los Angeles-Long Beach-Glendale, CA | 90 | $ 33,688,000 | $ 374,311 | $ 263,000 |
| San Antonio-New Braunfels, TX | 89 | $ 16,578,000 | $ 186,269 | $ 49,000 |
| Baltimore-Towson, MD | 83 | $ 21,995,000 | $ 265,000 | $ 85,000 |
| Tacoma, WA | 83 | $ 16,050,000 | $ 193,373 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 82 | $ 15,769,000 | $ 192,304 | $ 72,000 |
| New Orleans-Metairie-Kenner, LA | 80 | $ 12,277,000 | $ 153,462 | $ 53,000 |
| Cincinnati-Middletown, OH-KY-IN | 77 | $ 11,276,000 | $ 146,441 | $ 54,207 |
| Binghamton, NY | 73 | $ 9,913,000 | $ 135,794 | $ 58,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 72 | $ 15,471,000 | $ 214,875 | $ 54,000 |
| Warren-Troy-Farmington Hills, MI | 69 | $ 14,379,000 | $ 208,391 | $ 124,000 |
| Anchorage, AK | 68 | $ 20,199,000 | $ 297,044 | $ 63,000 |
| Glens Falls, NY | 68 | $ 9,482,000 | $ 139,441 | $ 52,000 |
| Camden, NJ | 64 | $ 11,881,000 | $ 185,640 | $ 68,000 |
| Huntsville, AL | 64 | $ 11,376,000 | $ 177,750 | $ 50,000 |
| Billings, MT | 58 | $ 11,297,000 | $ 194,775 | $ 57,000 |
| San Diego-Carlsbad-San Marcos, CA | 58 | $ 21,057,000 | $ 363,051 | $ 106,000 |
| Cleveland-Elyria-Mentor, OH | 57 | $ 7,415,000 | $ 130,087 | $ 58,000 |
| Ocala, FL | 56 | $ 6,484,000 | $ 115,785 | $ 34,000 |
| Seattle-Bellevue-Everett, WA | 56 | $ 14,398,000 | $ 257,107 | $ 92,000 |
| Bakersfield-Delano, CA | 51 | $ 9,111,000 | $ 178,647 | $ 56,000 |
| Memphis, TN-MS-AR | 50 | $ 7,987,000 | $ 159,740 | $ 65,000 |
| Providence-New Bedford-Fall River, RI-MA | 50 | $ 10,429,000 | $ 208,580 | $ 65,240 |
| Dallas-Plano-Irving, TX | 49 | $ 8,235,000 | $ 168,061 | $ 71,000 |
| Knoxville, TN | 48 | $ 8,299,000 | $ 172,895 | $ 75,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 46 | $ 8,553,000 | $ 185,934 | $ 64,826 |
| Bethesda-Rockville-Frederick, MD | 45 | $ 21,160,000 | $ 470,222 | $ 303,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 44 | $ 11,628,000 | $ 264,272 | $ 123,000 |
| Little Rock-North Little Rock-Conway, AR | 42 | $ 6,937,000 | $ 165,166 | $ 55,000 |
| Phoenix-Mesa-Glendale, AZ | 40 | $ 8,137,000 | $ 203,425 | $ 106,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 39 | $ 6,562,000 | $ 168,256 | $ 65,000 |
| Oakland-Fremont-Hayward, CA | 39 | $ 14,556,000 | $ 373,230 | $ 107,000 |
| Richmond, VA | 39 | $ 7,628,000 | $ 195,589 | $ 54,000 |
| Santa Ana-Anaheim-Irvine, CA | 39 | $ 16,894,000 | $ 433,179 | $ 104,000 |
| Austin-Round Rock-San Marcos, TX | 38 | $ 6,755,000 | $ 177,763 | $ 62,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 37 | $ 8,871,000 | $ 239,756 | $ 94,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 36 | $ 4,890,000 | $ 135,833 | $ 48,000 |
| Elmira, NY | 36 | $ 4,339,000 | $ 120,527 | $ 50,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 36 | $ 7,819,000 | $ 217,194 | $ 71,888 |
| Rochester, NY | 36 | $ 4,330,000 | $ 120,277 | $ 63,000 |
| Tuscaloosa, AL | 36 | $ 4,805,000 | $ 133,472 | $ 37,000 |
| Boston-Quincy, MA | 34 | $ 12,824,000 | $ 377,176 | $ 192,000 |
| Indianapolis-Carmel, IN | 33 | $ 4,504,000 | $ 136,484 | $ 51,000 |
| Cape Coral-Fort Myers, FL | 32 | $ 4,690,000 | $ 146,562 | $ 67,000 |
| Chattanooga, TN-GA | 32 | $ 5,791,000 | $ 180,968 | $ 66,875 |
| Clarksville, TN-KY | 32 | $ 5,153,000 | $ 161,031 | $ 62,312 |
| Dover, DE | 32 | $ 5,723,000 | $ 178,843 | $ 49,000 |
| Cambridge-Newton-Framingham, MA | 31 | $ 11,013,000 | $ 355,258 | $ 143,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 31 | $ 7,020,000 | $ 226,451 | $ 103,612 |
| Greenville-Mauldin-Easley, SC | 28 | $ 3,999,000 | $ 142,821 | $ 38,000 |
| Las Vegas-Paradise, NV | 28 | $ 4,788,000 | $ 171,000 | $ 128,000 |
| Spokane, WA | 28 | $ 5,216,000 | $ 186,285 | $ 60,000 |
| Jacksonville, FL | 27 | $ 5,066,000 | $ 187,629 | $ 68,000 |
| Port St. Lucie, FL | 27 | $ 4,921,000 | $ 182,259 | $ 69,000 |
| Bridgeport-Stamford-Norwalk, CT | 26 | $ 14,787,000 | $ 568,730 | $ 226,000 |
| Palm Coast, FL | 26 | $ 3,749,000 | $ 144,192 | $ 50,000 |
| Pittsburgh, PA | 26 | $ 4,364,000 | $ 167,846 | $ 73,000 |
| Denver-Aurora-Broomfield, CO | 25 | $ 7,411,000 | $ 296,440 | $ 109,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 25 | $ 7,120,000 | $ 284,800 | $ 133,000 |
| Cedar Rapids, IA | 24 | $ 2,922,000 | $ 121,750 | $ 45,000 |
| Columbia, SC | 24 | $ 3,083,000 | $ 128,458 | $ 39,000 |
| Dayton, OH | 23 | $ 3,253,000 | $ 141,434 | $ 46,000 |
| Lake County-Kenosha County, IL-WI | 23 | $ 4,334,000 | $ 188,434 | $ 53,347 |
| North Port-Bradenton-Sarasota, FL | 22 | $ 6,180,000 | $ 280,909 | $ 97,000 |
| St. Louis, MO-IL | 21 | $ 4,537,000 | $ 216,047 | $ 30,000 |
| Vallejo-Fairfield, CA | 21 | $ 3,885,000 | $ 185,000 | $ 56,000 |
| Louisville/Jefferson County, KY-IN | 20 | $ 2,491,000 | $ 124,550 | $ 37,200 |
| Akron, OH | 19 | $ 2,460,000 | $ 129,473 | $ 62,000 |
| Charleston, WV | 19 | $ 2,941,000 | $ 154,789 | $ 63,000 |
| Decatur, AL | 19 | $ 2,887,000 | $ 151,947 | $ 80,000 |
| Manchester-Nashua, NH | 19 | $ 3,154,000 | $ 166,000 | $ 45,000 |
| Canton-Massillon, OH | 18 | $ 2,235,000 | $ 124,166 | $ 53,000 |
| Stockton, CA | 18 | $ 3,706,000 | $ 205,888 | $ 63,000 |
| Naples-Marco Island, FL | 17 | $ 4,201,000 | $ 247,117 | $ 158,000 |
| Salinas, CA | 17 | $ 4,941,000 | $ 290,647 | $ 79,000 |
| Lafayette, LA | 16 | $ 2,458,000 | $ 153,625 | $ 49,000 |
| Reading, PA | 16 | $ 2,218,000 | $ 138,625 | $ 44,000 |
| Spartanburg, SC | 16 | $ 2,892,000 | $ 180,750 | $ 47,000 |
| Winchester, VA-WV | 16 | $ 3,391,000 | $ 211,937 | $ 69,000 |
| Fort Worth-Arlington, TX | 15 | $ 2,899,000 | $ 193,266 | $ 63,000 |
| Augusta-Richmond County, GA-SC | 14 | $ 1,933,000 | $ 138,071 | $ 42,571 |
| Scranton--Wilkes-Barre, PA | 14 | $ 1,547,000 | $ 110,500 | $ 42,000 |
| Worcester, MA | 14 | $ 3,169,000 | $ 226,357 | $ 104,000 |
| New Haven-Milford, CT | 13 | $ 3,331,000 | $ 256,230 | $ 75,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 13 | $ 5,147,000 | $ 395,923 | $ 118,000 |
| San Luis Obispo-Paso Robles, CA | 13 | $ 2,941,000 | $ 226,230 | $ 178,000 |
| Trenton-Ewing, NJ | 13 | $ 2,377,000 | $ 182,846 | $ 66,000 |
| Beaumont-Port Arthur, TX | 12 | $ 1,686,000 | $ 140,500 | $ 58,000 |
| Olympia, WA | 12 | $ 2,608,000 | $ 217,333 | $ 82,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 1,875,000 | $ 156,250 | $ 41,000 |
| Portland-South Portland-Biddeford, ME | 12 | $ 2,225,000 | $ 185,416 | $ 61,000 |
| Santa Rosa-Petaluma, CA | 12 | $ 3,481,000 | $ 290,083 | $ 111,000 |
| Toledo, OH | 12 | $ 1,745,000 | $ 145,416 | $ 66,000 |
| Flint, MI | 11 | $ 1,180,000 | $ 107,272 | $ 56,000 |
| Honolulu, HI | 11 | $ 4,937,000 | $ 448,818 | $ 45,000 |
| Kansas City, MO-KS | 11 | $ 1,745,000 | $ 158,636 | $ 110,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 11 | $ 1,156,000 | $ 105,090 | $ 32,000 |
| Raleigh-Cary, NC | 11 | $ 2,449,000 | $ 222,636 | $ 73,000 |
| Salt Lake City, UT | 11 | $ 1,632,000 | $ 148,363 | $ 64,000 |
| San Francisco-San Mateo-Redwood City, CA | 11 | $ 6,926,000 | $ 629,636 | $ 271,000 |
| Tucson, AZ | 11 | $ 1,928,000 | $ 175,272 | $ 44,000 |
| Buffalo-Niagara Falls, NY | 10 | $ 2,229,000 | $ 222,900 | $ 75,000 |
| El Paso, TX | 10 | $ 1,138,000 | $ 113,800 | $ 40,000 |
| Fresno, CA | 10 | $ 1,436,000 | $ 143,600 | $ 49,000 |
| Hartford-West Hartford-East Hartford, CT | 10 | $ 2,341,000 | $ 234,100 | $ 110,000 |
| Houma-Bayou Cane-Thibodaux, LA | 10 | $ 1,237,000 | $ 123,700 | $ 58,000 |
| Mobile, AL | 10 | $ 1,118,000 | $ 111,800 | $ 43,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 2,099,000 | $ 209,900 | $ 104,000 |
| Tallahassee, FL | 10 | $ 1,564,000 | $ 156,400 | $ 59,000 |
| Albuquerque, NM | 9 | $ 1,383,000 | $ 153,666 | $ 63,000 |
| Charleston-North Charleston-Summerville, SC | 9 | $ 1,984,000 | $ 220,444 | $ 89,000 |
| Lancaster, PA | 9 | $ 1,479,000 | $ 164,333 | $ 52,000 |
| Lexington-Fayette, KY | 9 | $ 1,166,000 | $ 129,555 | $ 45,000 |
| Rockingham County-Strafford County, NH | 9 | $ 2,201,000 | $ 244,555 | $ 73,000 |
| Savannah, GA | 9 | $ 1,221,000 | $ 135,666 | $ 25,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 930,000 | $ 103,333 | $ 51,000 |
| Anderson, SC | 8 | $ 932,000 | $ 116,500 | $ 50,000 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 1,661,000 | $ 207,625 | $ 44,875 |
| Gainesville, FL | 8 | $ 1,904,000 | $ 238,000 | $ 204,000 |
| Gary, IN | 8 | $ 2,551,000 | $ 318,875 | $ 101,000 |
| Harrisburg-Carlisle, PA | 8 | $ 1,278,000 | $ 159,750 | $ 54,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 816,000 | $ 102,000 | $ 39,250 |
| Jackson, MS | 8 | $ 1,612,000 | $ 201,500 | $ 62,000 |
| Peabody, MA | 8 | $ 1,871,000 | $ 233,875 | $ 60,000 |
| Albany, GA | 7 | $ 1,172,000 | $ 167,428 | $ 55,000 |
| Detroit-Livonia-Dearborn, MI | 7 | $ 696,000 | $ 99,428 | $ 54,000 |
| Florence-Muscle Shoals, AL | 7 | $ 932,000 | $ 133,142 | $ 55,000 |
| Ithaca, NY | 7 | $ 934,000 | $ 133,428 | $ 48,000 |
| Kingston, NY | 7 | $ 1,265,000 | $ 180,714 | $ 63,000 |
| Lansing-East Lansing, MI | 7 | $ 1,086,000 | $ 155,142 | $ 51,000 |
| Lynchburg, VA | 7 | $ 1,128,000 | $ 161,142 | $ 53,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 944,000 | $ 134,857 | $ 37,000 |
| Morristown, TN | 7 | $ 1,029,000 | $ 147,000 | $ 43,000 |
| Anniston-Oxford, AL | 6 | $ 904,000 | $ 150,666 | $ 56,000 |
| Boise City-Nampa, ID | 6 | $ 955,000 | $ 159,166 | $ 79,000 |
| Chico, CA | 6 | $ 1,146,000 | $ 191,000 | $ 53,000 |
| Colorado Springs, CO | 6 | $ 1,473,000 | $ 245,500 | $ 77,000 |
| Columbus, IN | 6 | $ 754,000 | $ 125,666 | $ 40,000 |
| Fayetteville, NC | 6 | $ 1,354,000 | $ 225,666 | $ 25,000 |
| Jackson, TN | 6 | $ 607,000 | $ 101,166 | $ 35,000 |
| Provo-Orem, UT | 6 | $ 1,401,000 | $ 233,500 | $ 82,000 |
| Rockford, IL | 6 | $ 859,000 | $ 143,166 | $ 65,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 605,000 | $ 100,833 | $ 58,000 |
| Tyler, TX | 6 | $ 853,000 | $ 142,166 | $ 54,000 |
| York-Hanover, PA | 6 | $ 940,000 | $ 156,666 | $ 65,000 |
| Cleveland, TN | 5 | $ 685,000 | $ 137,000 | $ 66,000 |
| Coeur D'Alene, ID | 5 | $ 810,000 | $ 162,000 | $ 45,000 |
| Columbus, GA-AL | 5 | $ 782,000 | $ 156,400 | $ 45,600 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 935,000 | $ 187,000 | $ 54,000 |
| Johnson City, TN | 5 | $ 672,000 | $ 134,400 | $ 49,000 |
| Kalamazoo-Portage, MI | 5 | $ 616,000 | $ 123,200 | $ 61,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 833,000 | $ 166,600 | $ 63,200 |
| Michigan City-La Porte, IN | 5 | $ 817,000 | $ 163,400 | $ 102,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 1,125,000 | $ 225,000 | $ 14,000 |
| Montgomery, AL | 5 | $ 841,000 | $ 168,200 | $ 60,000 |
| Vineland-Millville-Bridgeton, NJ | 5 | $ 949,000 | $ 189,800 | $ 70,000 |
| Wenatchee-East Wenatchee, WA | 5 | $ 823,000 | $ 164,600 | $ 46,000 |
| Wheeling, WV-OH | 5 | $ 613,000 | $ 122,600 | $ 65,000 |
| Ann Arbor, MI | 4 | $ 695,000 | $ 173,750 | $ 110,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 694,000 | $ 173,500 | $ 69,000 |
| Auburn-Opelika, AL | 4 | $ 551,000 | $ 137,750 | $ 58,000 |
| Bellingham, WA | 4 | $ 813,000 | $ 203,250 | $ 59,000 |
| Bend, OR | 4 | $ 925,000 | $ 231,250 | $ 47,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,052,000 | $ 263,000 | $ 109,000 |
| Corpus Christi, TX | 4 | $ 445,000 | $ 111,250 | $ 46,000 |
| Fort Wayne, IN | 4 | $ 309,000 | $ 77,250 | $ 62,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 412,000 | $ 103,000 | $ 49,000 |
| Greensboro-High Point, NC | 4 | $ 775,000 | $ 193,750 | $ 78,000 |
| Harrisonburg, VA | 4 | $ 715,000 | $ 178,750 | $ 56,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 439,000 | $ 109,750 | $ 49,000 |
| Iowa City, IA | 4 | $ 751,000 | $ 187,750 | $ 67,000 |
| Jacksonville, NC | 4 | $ 601,000 | $ 150,250 | $ 15,000 |
| Kankakee-Bradley, IL | 4 | $ 880,000 | $ 220,000 | $ 34,000 |
| Lincoln, NE | 4 | $ 579,000 | $ 144,750 | $ 30,000 |
| Mansfield, OH | 4 | $ 340,000 | $ 85,000 | $ 26,000 |
| Modesto, CA | 4 | $ 671,000 | $ 167,750 | $ 65,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 4 | $ 636,000 | $ 159,000 | $ 65,000 |
| Punta Gorda, FL | 4 | $ 868,000 | $ 217,000 | $ 136,000 |
| Roanoke, VA | 4 | $ 730,000 | $ 182,500 | $ 71,000 |
| Springfield, MA | 4 | $ 855,000 | $ 213,750 | $ 41,000 |
| Springfield, OH | 4 | $ 541,000 | $ 135,250 | $ 35,000 |
| Warner Robins, GA | 4 | $ 436,000 | $ 109,000 | $ 51,000 |
| Yuba City, CA | 4 | $ 665,000 | $ 166,250 | $ 39,000 |
| Abilene, TX | 3 | $ 350,000 | $ 116,666 | $ 47,000 |
| Appleton, WI | 3 | $ 412,000 | $ 137,333 | $ 26,000 |
| Asheville, NC | 3 | $ 763,000 | $ 254,333 | $ 89,000 |
| Battle Creek, MI | 3 | $ 484,000 | $ 161,333 | $ 83,000 |
| Brunswick, GA | 3 | $ 353,000 | $ 117,666 | $ 36,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 1,426,000 | $ 475,333 | $ 1,385,000 |
| Fort Smith, AR-OK | 3 | $ 397,000 | $ 132,333 | $ 31,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 599,000 | $ 199,666 | $ 71,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 718,000 | $ 239,333 | $ 83,000 |
| Kokomo, IN | 3 | $ 401,000 | $ 133,666 | $ 58,000 |
| Laredo, TX | 3 | $ 410,000 | $ 136,666 | $ 35,000 |
| Lebanon, PA | 3 | $ 421,000 | $ 140,333 | $ 43,000 |
| Lima, OH | 3 | $ 317,000 | $ 105,666 | $ 44,000 |
| Lubbock, TX | 3 | $ 273,000 | $ 91,000 | $ 20,000 |
| Missoula, MT | 3 | $ 702,000 | $ 234,000 | $ 30,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 716,000 | $ 238,666 | $ 66,000 |
| Norwich-New London, CT | 3 | $ 531,000 | $ 177,000 | $ 49,000 |
| Ocean City, NJ | 3 | $ 488,000 | $ 162,666 | $ 58,000 |
| Ogden-Clearfield, UT | 3 | $ 667,000 | $ 222,333 | $ 81,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 2,671,000 | $ 890,333 | $ 611,000 |
| State College, PA | 3 | $ 531,000 | $ 177,000 | $ 61,000 |
| Syracuse, NY | 3 | $ 494,000 | $ 164,666 | $ 68,000 |
| Terre Haute, IN | 3 | $ 401,000 | $ 133,666 | $ 63,000 |
| Winston-Salem, NC | 3 | $ 393,000 | $ 131,000 | $ 51,000 |
| Alexandria, LA | 2 | $ 262,000 | $ 131,000 | $ 85,000 |
| Athens-Clarke County, GA | 2 | $ 245,000 | $ 122,500 | $ 59,000 |
| Bangor, ME | 2 | $ 307,000 | $ 153,500 | $ 40,000 |
| Bloomington-Normal, IL | 2 | $ 428,000 | $ 214,000 | $ 39,000 |
| Charlottesville, VA | 2 | $ 391,000 | $ 195,500 | $ 35,000 |
| Danville, VA | 2 | $ 234,000 | $ 117,000 | $ 90,000 |
| Des Moines-West Des Moines, IA | 2 | $ 267,000 | $ 133,500 | $ 63,000 |
| Dothan, AL | 2 | $ 226,000 | $ 113,000 | $ 42,000 |
| Durham-Chapel Hill, NC | 2 | $ 443,000 | $ 221,500 | $ 874,000 |
| El Centro, CA | 2 | $ 328,000 | $ 164,000 | $ 49,000 |
| Elizabethtown, KY | 2 | $ 326,000 | $ 163,000 | $ 14,000 |
| Elkhart-Goshen, IN | 2 | $ 434,000 | $ 217,000 | $ 216,000 |
| Eugene-Springfield, OR | 2 | $ 260,000 | $ 130,000 | $ 38,000 |
| Evansville, IN-KY | 2 | $ 242,000 | $ 121,000 | $ 61,000 |
| Gainesville, GA | 2 | $ 436,000 | $ 218,000 | $ 163,000 |
| Greeley, CO | 2 | $ 383,000 | $ 191,500 | $ 59,000 |
| Hanford-Corcoran, CA | 2 | $ 285,000 | $ 142,500 | $ 47,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 150,000 | $ 75,000 | $ 58,000 |
| Janesville, WI | 2 | $ 346,000 | $ 173,000 | $ 57,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 218,000 | $ 109,000 | $ 37,000 |
| Lafayette, IN | 2 | $ 211,000 | $ 105,500 | $ 30,000 |
| Longview, WA | 2 | $ 272,000 | $ 136,000 | $ 53,000 |
| Macon, GA | 2 | $ 253,000 | $ 126,500 | $ 45,000 |
| Merced, CA | 2 | $ 280,000 | $ 140,000 | $ 35,000 |
| Monroe, LA | 2 | $ 266,000 | $ 133,000 | $ 44,000 |
| Monroe, MI | 2 | $ 228,000 | $ 114,000 | $ 74,000 |
| Muskegon-Norton Shores, MI | 2 | $ 292,000 | $ 146,000 | $ 46,000 |
| Napa, CA | 2 | $ 1,280,000 | $ 640,000 | $ 194,000 |
| Oshkosh-Neenah, WI | 2 | $ 415,000 | $ 207,500 | $ 74,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 223,000 | $ 111,500 | $ 32,000 |
| Peoria, IL | 2 | $ 218,000 | $ 109,000 | $ 69,000 |
| Pueblo, CO | 2 | $ 371,000 | $ 185,500 | $ 42,000 |
| Redding, CA | 2 | $ 384,000 | $ 192,000 | $ 102,000 |
| Rome, GA | 2 | $ 279,000 | $ 139,500 | $ 18,000 |
| Salem, OR | 2 | $ 274,000 | $ 137,000 | $ 55,000 |
| Salisbury, MD | 2 | $ 356,000 | $ 178,000 | $ 61,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 672,000 | $ 336,000 | $ 131,000 |
| Santa Fe, NM | 2 | $ 753,000 | $ 376,500 | $ 142,000 |
| Sebastian-Vero Beach, FL | 2 | $ 543,000 | $ 271,500 | $ 63,000 |
| Sherman-Denison, TX | 2 | $ 232,000 | $ 116,000 | $ 35,000 |
| St. Cloud, MN | 2 | $ 271,000 | $ 135,500 | $ 69,000 |
| Victoria, TX | 2 | $ 220,000 | $ 110,000 | $ 43,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 165,000 | $ 82,500 | $ 44,000 |
| Yakima, WA | 2 | $ 321,000 | $ 160,500 | $ 36,000 |
| Altoona, PA | 1 | $ 91,000 | $ 91,000 | $ 54,000 |
| Anderson, IN | 1 | $ 90,000 | $ 90,000 | $ 36,000 |
| Barnstable Town, MA | 1 | $ 516,000 | $ 516,000 | $ 426,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 143,000 | $ 143,000 | $ 88,000 |
| Burlington, NC | 1 | $ 63,000 | $ 63,000 | $ 43,000 |
| Burlington-South Burlington, VT | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Champaign-Urbana, IL | 1 | $ 64,000 | $ 64,000 | $ 77,000 |
| Dalton, GA | 1 | $ 107,000 | $ 107,000 | $ 22,000 |
| Erie, PA | 1 | $ 326,000 | $ 326,000 | $ 464,000 |
| Fargo, ND-MN | 1 | $ 112,000 | $ 112,000 | $ 77,000 |
| Farmington, NM | 1 | $ 78,000 | $ 78,000 | $ 46,000 |
| Florence, SC | 1 | $ 181,000 | $ 181,000 | $ 41,000 |
| Fort Collins-Loveland, CO | 1 | $ 247,000 | $ 247,000 | $ 70,000 |
| Grand Junction, CO | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Holland-Grand Haven, MI | 1 | $ 187,000 | $ 187,000 | $ 88,000 |
| Jackson, MI | 1 | $ 126,000 | $ 126,000 | $ 63,000 |
| Johnstown, PA | 1 | $ 78,000 | $ 78,000 | $ 53,000 |
| Lake Charles, LA | 1 | $ 134,000 | $ 134,000 | $ 47,000 |
| Las Cruces, NM | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Lawrence, KS | 1 | $ 133,000 | $ 133,000 | $ 92,000 |
| Lawton, OK | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Lewiston-Auburn, ME | 1 | $ 221,000 | $ 221,000 | $ 105,000 |
| Logan, UT-ID | 1 | $ 246,000 | $ 246,000 | $ 166,000 |
| Longview, TX | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Madison, WI | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Medford, OR | 1 | $ 88,000 | $ 88,000 | $ 27,000 |
| Midland, TX | 1 | $ 217,000 | $ 217,000 | $ 72,000 |
| Muncie, IN | 1 | $ 122,000 | $ 122,000 | $ 22,000 |
| Niles-Benton Harbor, MI | 1 | $ 274,000 | $ 274,000 | $ 126,000 |
| Oklahoma City, OK | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Owensboro, KY | 1 | $ 214,000 | $ 214,000 | $ 41,000 |
| Pascagoula, MS | 1 | $ 83,000 | $ 83,000 | $ 28,000 |
| Pittsfield, MA | 1 | $ 322,000 | $ 322,000 | $ 189,000 |
| Pocatello, ID | 1 | $ 206,000 | $ 206,000 | $ 72,000 |
| Prescott, AZ | 1 | $ 206,000 | $ 206,000 | $ 47,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 51,000 | $ 51,000 | $ 34,000 |
| Sandusky, OH | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Shreveport-Bossier City, LA | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Springfield, IL | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Steubenville-Weirton, OH-WV | 1 | $ 116,000 | $ 116,000 | $ 50,000 |
| Tulsa, OK | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Utica-Rome, NY | 1 | $ 178,000 | $ 178,000 | $ 64,000 |
| Visalia-Porterville, CA | 1 | $ 202,000 | $ 202,000 | $ 62,000 |
| Waco, TX | 1 | $ 163,000 | $ 163,000 | $ 50,000 |
| Wichita, KS | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Williamsport, PA | 1 | $ 82,000 | $ 82,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Wcs Lending, LLC in 2012
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 | 5,987 | $1,147,667,000 | $191,000 | $3,000,000 | $66,000 | $6,816,000 |
| Refinancing | 3,769 | $985,617,000 | $261,000 | $2,352,000 | $110,000 | $7,500,000 |
| Home Improvement | 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 | 6,629 | $1,465,852,000 | $221,000 | $3,000,000 | $88,000 | $7,500,000 |
| Black or African American | 1,439 | $274,479,000 | $190,000 | $1,123,000 | $60,000 | $924,000 |
| Hispanic | 1,168 | $231,421,000 | $198,000 | $2,352,000 | $62,000 | $1,275,000 |
| Asian | 254 | $87,360,000 | $343,000 | $2,000,000 | $140,000 | $3,895,000 |
| Not Provided | 201 | $57,822,000 | $287,000 | $1,460,000 | $129,000 | $2,100,000 |
| American Indian or Alaskan Native | 34 | $7,432,000 | $218,000 | $565,000 | $96,000 | $494,000 |
| Native Hawaiian or Other Pacific Islander | 31 | $8,918,000 | $287,000 | $556,000 | $63,000 | $206,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 4,425 | $881,715,000 | $199,000 | $944,000 | $68,000 | $889,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,214 | $314,228,000 | $141,000 | $417,000 | $46,000 | $195,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,745 | $620,793,000 | $355,000 | $3,000,000 | $196,000 | $7,500,000 |
| VA-guaranteed (Veterans Administration) | 1,372 | $316,548,000 | $230,000 | $1,123,000 | $49,000 | $530,000 |
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 | 6,183 | $1,357,521,000 | $219,000 | $1,997,000 | $85,000 | $7,500,000 |
| Application Withdrawn By Applicant | 2,230 | $498,908,000 | $223,000 | $3,000,000 | $88,000 | $6,816,000 |
| Application Denied By Financial Institution | 1,343 | $276,855,000 | $206,000 | $2,000,000 | $69,000 | $1,648,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Wcs Lending, LLC's 2012 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 Wcs Lending, LLC'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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