##### 

Exhibit 21.1

Subsidiaries of Registrant

as of December 31, 2005

|                                                |  |                       |             | 
|----------------------------------------------- |  | --------------------- | ----------- | 
|                                                |  | State or Jurisdiction |            
|                                                |  | under the law of      |            
|                                                |  | which Organized       |            
|                                                |  |                       |            
|1st Choice Mortgage, LLC                        |  |                       | Indiana     | 
|1st Fredericksburg Mortgage,
    LLC            |  |                       | Indiana     | 
|1st Premier Mortgage, LP                        |  |                       | Ohio        | 
|Access Financial Corp.                          |  |                       | Ohio        | 
|AccuLend Mortgage, LP                           |  |                       | California  | 
|Advent Guaranty Corporation                     |  |                       | Vermont     | 
|Affirmative Mortgage, LLC                       |  |                       | Indiana     | 
|Afleet Mortgage, LP                             |  |                       | Ohio        | 
|All American First Mortgage, LLC                |  |                       | Indiana     | 
|Allegiant Asset Management Company              |  |                       | Michigan    | 
|Allegiant Capital Corporation                   |  |                       | Missouri    | 
|Allegiant Capital Trust II                      |  |                       | Delaware    | 
|Allegiant Community Development
    Corporation |  |                       | Missouri    | 
|Allegiant Insurance Services
    Co.            |  |                       | Missouri    | 
|Alliance First Mortgage, LLC                    |  |                       | Indiana     | 
|Alliance Mortgage Capital, LP                   |  |                       | California  | 
|Alliance Title Agency,
    LLC                  |  |                       | Michigan    | 
|ALLINCO, Inc.                                   |  |                       | Vermont     | 
|Alpine Capital Corporation                      |  |                       | Illinois    | 
|American Best Mortgage, LLC                     |  |                       | Indiana     | 
|Americo Mortgage, LLC                           |  |                       | Indiana     | 
|AmeriMax Mortgage, LLC                          |  |                       | Indiana     | 
|Ameritrust Home Mortgage, LP                    |  |                       | Ohio        | 
|Ash Realty Co., Inc.                            |  |                       | Indiana     | 
|Banc Services Statutory Trust I                 |  |                       | Connecticut | 
|Baron Mortgage, LP                              |  |                       | California  | 
|Cape Henry Mortgage, LLC                        |  |                       | Indiana     | 
|Capstone Realty Advisors, LLC                   |  |                       | Ohio        | 
|Capstone Realty, Inc.                           |  |                       | Ohio        | 
|Central Valley Lending Services, LP             |  |                       | California  | 
|Chippewa Valley Title Agency,
    Inc.          |  |                       | Ohio        | 
|Citizens Mortgage LLC                           |  |                       | Arizona     | 
|Colonial Home Finance, LLC                      |  |                       | Indiana     | 
|Columbus Home Mortgage, LLC                     |  |                       | Indiana     | 
|County Corp. Mortgage, LLC                      |  |                       | Indiana     | 
|Delmarva Mortgage, LLC                          |  |                       | Indiana     | 
|Dominion Trust Mortgage, LLC                    |  |                       | Indiana     | 
|Elegen Home Lending, LP                         |  |                       | Ohio        | 
|Equality Commodity Corporation                  |  |                       | Missouri    | 
|Equality Mortgage Corporation                   |  |                       | Missouri    | 
|Executive Home Mortgage, LLC                    |  |                       | Indiana     | 
|FCB Mortgage, LLC                               |  |                       | Indiana     | 
|First Capital Home Mortgage, LLC                |  |                       | Indiana     | 
|First Flight Mortgage, LLC                      |  |                       | Indiana     | 
|First Franklin Financial Companies,
    LLC     |  |                       | Delaware    | 
|First Franklin Financial Corporation            |  |                       | Delaware    | 
|First Independent Mortgage, LLC                 |  |                       | Indiana     | 
|First Intercoastal Mortgage, LLC                |  |                       | Indiana     | 
|First National Broadway
    Corp.               |  |                       | Kentucky    | 
|First of America Capital
    Trust I (Trust)    |  |                       | Delaware    | 



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##### 



|                                                 |  |                       |               | 
|------------------------------------------------ |  | --------------------- | ------------- | 
|                                                 |  | State or Jurisdiction |              
|                                                 |  | under the law of      |              
|                                                 |  | which Organized       |              
|                                                 |  |                       |              
|First Patriot Mortgage, LLC                      |  |                       | Indiana       | 
|First Washington Mortgage, LLC                   |  |                       | Indiana       | 
|Fort Wayne Capital
    Trust I (Trust)           |  |                       | Delaware      | 
|Gateway First Mortgage, LLC                      |  |                       | Indiana       | 
|Greenbrier Mortgage, LLC                         |  |                       | Indiana       | 
|HDMF-LLC                                         |  |                       | Delaware      | 
|Heartland Security Mortgage, LLC                 |  |                       | Indiana       | 
|Heritage Home Mortgage, LLC                      |  |                       | Indiana       | 
|Home Financing, LP                               |  |                       | Ohio          | 
|Home Mortgage Centre, LLC                        |  |                       | Indiana       | 
|Homesource Mortgage Services, LP                 |  |                       | Ohio          | 
|HomeSync Financial Services, LLC                 |  |                       | Indiana       | 
|Hometown Mortgage, LLC                           |  |                       | Indiana       | 
|Integrity 1st Financial, LLC                     |  |                       | Indiana       | 
|Intercoastal Mortgage, LLC                       |  |                       | Indiana       | 
|Kratky Road, Inc.                                |  |                       | Missouri      | 
|Lakeside Lending, LLC                            |  |                       | Indiana       | 
|Liberty West Mortgage, LP                        |  |                       | California    | 
|Lincoln First Mortgage, LLC                      |  |                       | Indiana       | 
|Lower Bucks Mortgage, LP                         |  |                       | Ohio          | 
|MNC Mortgage, LP                                 |  |                       | Ohio          | 
|Market Mortgage Services, LLC                    |  |                       | Indiana       | 
|Meadow Ridge Partners, LLC                       |  |                       | Ohio          | 
|Mid Atlantic Mortgage, LLC                       |  |                       | Indiana       | 
|MidOhio Data, Inc.                               |  |                       | Ohio          | 
|Milestone Security Partners, LLC                 |  |                       | Ohio          | 
|Millstone Mortgage, LP                           |  |                       | Ohio          | 
|Montaheno Mortgage, LP                           |  |                       | Ohio          | 
|Mortgage Company of Kentucky,
    Inc.           |  |                       | Kentucky      | 
|Mortgage One, LP                                 |  |                       | California    | 
|NCBI Holdings, Inc.                              |  |                       | Indiana       | 
|NCBKCDA Investment, LLC                          |  |                       | Kentucky      | 
|NCBO Holdings, Inc.                              |  |                       | Indiana       | 
|NCBPA Investment Company                         |  |                       | Delaware      | 
|NCCC Acquisition, LLC                            |  |                       | Delaware      | 
|NCLIC, Inc.                                      |  |                       | Vermont       | 
|NCS First Mortgage, LP                           |  |                       | Ohio          | 
|NatCity Investments,
    Inc.                    |  |                       | Indiana       | 
|NatCity Trust Company of Delaware                |  |                       | Delaware      | 
|National American Mortgage, LLC                  |  |                       | Indiana       | 
|National Capital Properties,
    Inc.            |  |                       | Kentucky      | 
|National City Abstract, LLC                      |  |                       | Pennsylvania  | 
|National City Bank                               |  |                       | United States | 
|National City Bank of Indiana                    |  |                       | United States | 
|National City Bank of Kentucky                   |  |                       | United States | 
|National City Bank of Pennsylvania               |  |                       | United States | 
|National City Bank of Southern
    Indiana       |  |                       | United States | 
|National City Bank of the Midwest                |  |                       | United States | 
|National City Business Credit,
    Inc.          |  |                       | Ohio          | 
|National City Canada, Inc                        |  |                       | Canada        | 
|National City Capital Corporation                |  |                       | Delaware      | 
|National City Capital Trust I
    (Trust)        |  |                       | Delaware      | 
|National City Center, LLC                        |  |                       | Ohio          | 
|National City Commercial Capital
    Corporation |  |                       | Ohio          | 



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##### 



|                                                         |  |                       |               | 
|-------------------------------------------------------- |  | --------------------- | ------------- | 
|                                                         |  | State or Jurisdiction |              
|                                                         |  | under the law of      |              
|                                                         |  | which Organized       |              
|                                                         |  |                       |              
|National City Commercial Capital
    Corporation         |  |                       | Canada        | 
|National City Commercial Leasing,
    Inc.               |  |                       | Ohio          | 
|National City Community Development
    Corporation      |  |                       | Ohio          | 
|National City Credit Corporation                         |  |                       | Ohio          | 
|National City DND, Inc.                                  |  |                       | Delaware      | 
|National City Equity Partners,
    Inc.                  |  |                       | Delaware      | 
|National City Equity Partners, LLC                       |  |                       | Ohio          | 
|National City Home Loan Services,
    Inc                |  |                       | Delaware      | 
|National City Indiana, LLC                               |  |                       | Indiana       | 
|National City Insurance Agency of
    Pennsylvania, Inc. |  |                       | Pennsylvania  | 
|National City Insurance Group,
    Inc.                  |  |                       | Michigan      | 
|National City Investment
    Company  Nevada, Inc.      |  |                       | Nevada        | 
|National City Leasing Corporation                        |  |                       | Kentucky      | 
|National City Mortgage Capital LLC                       |  |                       | Delaware      | 
|National City Mortgage
    Co.                           |  |                       | Ohio          | 
|National City Mortgage,
    Inc.                         |  |                       | Ohio          | 
|National City Mortgage Insurance
    Company, Inc.       |  |                       | Hawaii        | 
|National City Mortgage Insurance
    Solutions, Inc.     |  |                       | Hawaii        | 
|National City Mortgage Loan
    Trust 2005-1             |  |                       | New York      | 
|National City Mortgage Services
    Co.                  |  |                       | Michigan      | 
|National City New Market Fund,
    Inc.                  |  |                       | Ohio          | 
|National City Ohio, LLC                                  |  |                       | Indiana       | 
|National City Payments,
    Inc.                         |  |                       | Delaware      | 
|National City Securities Company,
    LLC                |  |                       | Delaware      | 
|National City Trade Services Limited                     |  |                       | Hong Kong     | 
|National City Vehicle Receivables
    Inc.               |  |                       | Delaware      | 
|National City Vendor Finance, LLC                        |  |                       | Illinois      | 
|NationalLink, LLC                                        |  |                       | Pennsylvania  | 
|NationalLink, LP                                         |  |                       | Pennsylvania  | 
|NationalLink of Alabama, LLC                             |  |                       | Alabama       | 
|New England Trust Company, National
    Association      |  |                       | United States | 
|Nottingham Corporation                                   |  |                       | Pennsylvania  | 
|Ohio National Corporation Trade
    Services             |  |                       | Ohio          | 
|PB Realty, Inc.                                          |  |                       | Ohio          | 
|Peninsula Mortgage, LLC                                  |  |                       | Indiana       | 
|Peoples Community Mortgage, LLC                          |  |                       | Indiana       | 
|PFGI Capital Corporation                                 |  |                       | Maryland      | 
|Platinum First Mortgage, LP                              |  |                       | Ohio          | 
|Premier Lending Services, LP                             |  |                       | California    | 
|Primary Home Mortgage, LLC                               |  |                       | Indiana       | 
|Procurement Alternatives Corporation                     |  |                       | Ohio          | 
|Provident Auto Leasing Company                           |  |                       | Delaware      | 
|Provident Auto Rental Company LLC
    (1998-1)           |  |                       | Delaware      | 
|Provident Auto Rental Company LLC
    (1998-2)           |  |                       | Delaware      | 
|Provident Auto Rental LLC (1999-1)                       |  |                       | Delaware      | 
|Provident Auto Rental LLC (2000-1)                       |  |                       | Delaware      | 
|Provident Auto Rental LLC (2000-2)                       |  |                       | Delaware      | 
|Provident Auto Rental LLC (2001-1)                       |  |                       | Delaware      | 
|Provident Capital Trust I                                |  |                       | Delaware      | 
|Provident Capital Trust II                               |  |                       | Delaware      | 
|Provident Capital Trust III                              |  |                       | Delaware      | 
|Provident Capital Trust IV                               |  |                       | Delaware      | 
|Provident Community Development
    Company, LLC         |  |                       | Ohio          | 
|Provident Lease Receivables Company
    LLC              |  |                       | Delaware      | 



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##### 



|                                              |  |                       |              | 
|--------------------------------------------- |  | --------------------- | ------------ | 
|                                              |  | State or Jurisdiction |             
|                                              |  | under the law of      |             
|                                              |  | which Organized       |             
|                                              |  |                       |             
|Provident Recap I, LLC                        |  |                       | Delaware     | 
|Provident Technical Services,
    Inc.        |  |                       | Ohio         | 
|Red Capital Advisors, LLC                     |  |                       | Ohio         | 
|Red Capital Markets,
    Inc.                 |  |                       | Ohio         | 
|Red Fund I Series A, LLC                      |  |                       | Delaware     | 
|Red Fund I Series B, LLC                      |  |                       | Delaware     | 
|Red Mortgage Capital,
    Inc.                |  |                       | Ohio         | 
|Regional First Mortgage, LLC                  |  |                       | Indiana      | 
|Regional Home Loans, LLC                      |  |                       | Indiana      | 
|REO Mortgage Services, LP                     |  |                       | Ohio         | 
|RFI Series A Class 1, LLC                     |  |                       | Ohio         | 
|RFI Series A Class 2, LLC                     |  |                       | Delaware     | 
|RFI Series B Class 1, LLC                     |  |                       | Ohio         | 
|RFI Series B Class 2, LLC                     |  |                       | Delaware     | 
|Riverside Home Lending, LP                    |  |                       | Ohio         | 
|SCDC, LLC                                     |  |                       | Ohio         | 
|Sterling Asset Management
    Co.             |  |                       | Ohio         | 
|Sterling Private Investments,
    Inc.        |  |                       | Ohio         | 
|Summit First Financial, LLC                   |  |                       | Indiana      | 
|SunAmerica Affordable Housing
    Partners 65 |  |                       | Nevada       | 
|Supreme Capital Mortgage, LLC                 |  |                       | Indiana      | 
|SussexMortgage.com, LLC                       |  |                       | Indiana      | 
|The First Mortgage Group, LLC                 |  |                       | Indiana      | 
|Tidewater First Mortgage, LLC                 |  |                       | Indiana      | 
|Valley Mortgage Services, LP                  |  |                       | Ohio         | 
|Virginia Home Mortgage, LLC                   |  |                       | Indiana      | 
|Western Properties,
    Inc.                  |  |                       | Pennsylvania | 
|Western Reserve Company                       |  |                       | Pennsylvania | 
|Xcel Capital, LLC                             |  |                       | Indiana      |