Amerifirst H.I. Finance Co. Mortgage Lending & HMDA Data, 2005
In 2005, Amerifirst H.I. Finance Co. of Omaha, NE reported 251 mortgage applications totaling $36.4 million, down 58% from 2004. The average application was for $145,059, and applicants reported an average income of $67,792. 70% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Baltimore-Towson, MD (41), Omaha-Council Bluffs, NE-IA (24) and Richmond, VA (13) (applications in parentheses).
| Mortgage Company & Address | Amerifirst H.I. Finance Co. 4405 So 96th Street Omaha, NE 68127 |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 251 |
| Total Mortgage Loan Application Amount | $36,410,000 |
| Average Mortgage Loan Application Amount | $145,059 |
| Highest Mortgage Loan Application Amount | $734,000 |
| Average Applicant Income | $67,792 |
| Highest Applicant Income | $434,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Amerifirst H.I. Finance Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's, Maryland | 40 | $ 9,732,000 | $ 243,300 | $ 94,000 |
| Douglas, Nebraska | 19 | $ 1,586,000 | $ 83,473 | $ 43,000 |
| Baltimore, Maryland | 17 | $ 2,592,000 | $ 152,470 | $ 74,000 |
| Baltimore City, Maryland | 15 | $ 1,146,000 | $ 76,400 | $ 39,000 |
| Pottawattamie, Iowa | 6 | $ 418,000 | $ 69,666 | $ 46,000 |
| Montgomery, Maryland | 6 | $ 1,241,000 | $ 206,833 | $ 79,000 |
| Sarpy, Nebraska | 5 | $ 339,000 | $ 67,800 | $ 65,000 |
| Howard, Maryland | 4 | $ 807,000 | $ 201,750 | $ 106,000 |
| Wayne, Michigan | 4 | $ 334,000 | $ 83,500 | $ 47,000 |
| Richmond City, Virginia | 4 | $ 356,000 | $ 89,000 | $ 46,000 |
| New Haven, Connecticut | 3 | $ 264,000 | $ 88,000 | $ 60,000 |
| Charles, Maryland | 3 | $ 711,000 | $ 237,000 | $ 108,000 |
| Frederick, Maryland | 3 | $ 554,000 | $ 184,666 | $ 57,000 |
| Newport News, Virginia | 3 | $ 377,000 | $ 125,666 | $ 83,000 |
| Prince William, Virginia | 3 | $ 774,000 | $ 258,000 | $ 115,000 |
| Virginia Beach, Virginia | 3 | $ 489,000 | $ 163,000 | $ 51,000 |
| Jefferson, Alabama | 2 | $ 246,000 | $ 123,000 | $ 65,000 |
| Riverside, California | 2 | $ 527,000 | $ 263,500 | $ 57,000 |
| San Diego, California | 2 | $ 820,000 | $ 410,000 | $ 119,000 |
| Weld, Colorado | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| DeKalb, Georgia | 2 | $ 153,000 | $ 76,500 | $ 47,000 |
| Gwinnett, Georgia | 2 | $ 313,000 | $ 156,500 | $ 58,000 |
| Richmond, Georgia | 2 | $ 379,000 | $ 189,500 | $ 66,000 |
| Anne Arundel, Maryland | 2 | $ 462,000 | $ 231,000 | $ 94,000 |
| Carroll, Maryland | 2 | $ 260,000 | $ 130,000 | $ 40,000 |
| Worcester, Massachusetts | 2 | $ 62,000 | $ 31,000 | $ 84,000 |
| Barry, Michigan | 2 | $ 128,000 | $ 64,000 | $ 41,000 |
| Santa Fe, New Mexico | 2 | $ 279,000 | $ 139,500 | $ 180,000 |
| Fayette, Pennsylvania | 2 | $ 38,000 | $ 19,000 | $ 35,000 |
| Montgomery, Pennsylvania | 2 | $ 112,000 | $ 56,000 | $ 59,000 |
| Arlington, Virginia | 2 | $ 563,000 | $ 281,500 | $ 226,000 |
| Chesterfield, Virginia | 2 | $ 256,000 | $ 128,000 | $ 88,000 |
| Fairfax, Virginia | 2 | $ 698,000 | $ 349,000 | $ 73,000 |
| Petersburg, Virginia | 2 | $ 184,000 | $ 92,000 | $ 243,000 |
| Prince George, Virginia | 2 | $ 100,000 | $ 50,000 | $ 32,000 |
| Lawrence, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 15,000 |
| Saline, Arkansas | 1 | $ 91,000 | $ 91,000 | $ 72,000 |
| St. Francis, Arkansas | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Alameda, California | 1 | $ 440,000 | $ 440,000 | $ 132,000 |
| Fresno, California | 1 | $ 179,000 | $ 179,000 | $ 91,000 |
| Kern, California | 1 | $ 20,000 | $ 20,000 | $ 78,000 |
| Los Angeles, California | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Mendocino, California | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Sacramento, California | 1 | $ 228,000 | $ 228,000 | $ 64,000 |
| Solano, California | 1 | $ 333,000 | $ 333,000 | $ 90,000 |
| New London, Connecticut | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Hernando, Florida | 1 | $ 177,000 | $ 177,000 | $ 48,000 |
| Cobb, Georgia | 1 | $ 31,000 | $ 31,000 | $ 75,000 |
| Crawford, Georgia | 1 | $ 60,000 | $ 60,000 | $ 42,000 |
| Allen, Indiana | 1 | $ 124,000 | $ 124,000 | $ 76,000 |
| Grant, Indiana | 1 | $ 63,000 | $ 63,000 | $ 24,000 |
| Black Hawk, Iowa | 1 | $ 57,000 | $ 57,000 | $ 13,000 |
| Cass, Iowa | 1 | $ 72,000 | $ 72,000 | $ 42,000 |
| Cerro Gordo, Iowa | 1 | $ 33,000 | $ 33,000 | $ 20,000 |
| Polk, Iowa | 1 | $ 101,000 | $ 101,000 | $ 49,000 |
| Shelby, Iowa | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Warren, Iowa | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Harvey, Kansas | 1 | $ 81,000 | $ 81,000 | $ 61,000 |
| Saline, Kansas | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Sedgwick, Kansas | 1 | $ 112,000 | $ 112,000 | $ 38,000 |
| Shawnee, Kansas | 1 | $ 43,000 | $ 43,000 | $ 55,000 |
| Sumner, Kansas | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| East Baton Rouge, Louisiana | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Pointe Coupee, Louisiana | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Knox, Maine | 1 | $ 321,000 | $ 321,000 | $ 135,000 |
| Calvert, Maryland | 1 | $ 184,000 | $ 184,000 | $ 84,000 |
| Caroline, Maryland | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Harford, Maryland | 1 | $ 160,000 | $ 160,000 | $ 64,000 |
| Plymouth, Massachusetts | 1 | $ 16,000 | $ 16,000 | $ 34,000 |
| Suffolk, Massachusetts | 1 | $ 364,000 | $ 364,000 | $ 66,000 |
| Kalamazoo, Michigan | 1 | $ 189,000 | $ 189,000 | $ 77,000 |
| Kalkaska, Michigan | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Muskegon, Michigan | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Otsego, Michigan | 1 | $ 157,000 | $ 157,000 | $ 48,000 |
| Presque Isle, Michigan | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Saginaw, Michigan | 1 | $ 41,000 | $ 41,000 | $ 48,000 |
| Aitkin, Minnesota | 1 | $ 227,000 | $ 227,000 | $ 63,000 |
| Hennepin, Minnesota | 1 | $ 180,000 | $ 180,000 | $ 86,000 |
| Mower, Minnesota | 1 | $ 69,000 | $ 69,000 | $ 28,000 |
| Ramsey, Minnesota | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Rock, Minnesota | 1 | $ 124,000 | $ 124,000 | $ 127,000 |
| Lancaster, Nebraska | 1 | $ 129,000 | $ 129,000 | $ 66,000 |
| Lincoln, Nebraska | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Clark, Nevada | 1 | $ 210,000 | $ 210,000 | $ 50,000 |
| Cass, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Oklahoma, Oklahoma | 1 | $ 97,000 | $ 97,000 | $ 42,000 |
| Jackson, Oregon | 1 | $ 106,000 | $ 106,000 | $ 68,000 |
| Klamath, Oregon | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Allegheny, Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 42,000 |
| Beaver, Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| Cambria, Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Dauphin, Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 41,000 |
| Lancaster, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Providence, Rhode Island | 1 | $ 47,000 | $ 47,000 | $ 15,000 |
| Warren, Tennessee | 1 | $ 52,000 | $ 52,000 | $ 16,000 |
| Amelia, Virginia | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Caroline, Virginia | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Hampton, Virginia | 1 | $ 101,000 | $ 101,000 | $ 89,000 |
| James City, Virginia | 1 | $ 36,000 | $ 36,000 | $ 25,000 |
| Loudoun, Virginia | 1 | $ 1,000 | $ 1,000 | $ 14,000 |
| Louisa, Virginia | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Manassas, Virginia | 1 | $ 124,000 | $ 124,000 | $ 73,000 |
| Norfolk, Virginia | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Stafford, Virginia | 1 | $ 314,000 | $ 314,000 | $ 70,000 |
| Warren, Virginia | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Winchester, Virginia | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| King, Washington | 1 | $ 130,000 | $ 130,000 | $ 55,000 |
| Pierce, Washington | 1 | $ 46,000 | $ 46,000 | $ 102,000 |
| Spokane, Washington | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Ozaukee, Wisconsin | 1 | $ 128,000 | $ 128,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Amerifirst H.I. Finance Co. in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 214 | $32,551,000 | $122,214 | $734,000 | $61,142 | $434,000 |
| Home Purchase | 36 | $3,816,000 | $85,500 | $380,000 | $43,666 | $130,000 |
| Home Improvement | 1 | $43,000 | $43,000 | $43,000 | $55,000 | $55,000 |
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 | 129 | $16,291,000 | $121,521 | $450,000 | $56,304 | $226,000 |
| Black or African American | 94 | $16,454,000 | $121,923 | $734,000 | $58,000 | $270,000 |
| Not Provided | 16 | $1,452,000 | $103,571 | $180,000 | $71,714 | $434,000 |
| Hispanic | 9 | $1,706,000 | $214,000 | $593,000 | $101,750 | $180,000 |
| American Indian or Alaskan Native | 2 | $147,000 | $73,500 | $85,000 | $49,000 | $65,000 |
| Asian | 1 | $360,000 | $360,000 | $360,000 | $78,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 250 | $36,200,000 | $117,333 | $734,000 | $60,666 | $434,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $210,000 | $210,000 | $210,000 | $50,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 176 | $26,628,000 | $120,454 | $734,000 | $63,681 | $270,000 |
| Application Withdrawn By Applicant | 37 | $4,140,000 | $102,000 | $360,000 | $46,214 | $125,000 |
| Application Denied By Financial Institution | 14 | $2,252,000 | $149,250 | $440,000 | $69,000 | $157,000 |
| Loan Purchased By The Institution | 11 | $1,954,000 | $159,750 | $341,000 | $66,750 | $127,000 |
| Application Approved But Not Accepted | 9 | $1,250,000 | $151,857 | $321,000 | $95,571 | $434,000 |
| File Closed For Incompleteness | 4 | $186,000 | $40,666 | $102,000 | $22,666 | $42,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 11 | $1,853,000 | $145,428 | $440,000 | $69,571 | $157,000 |
| Credit History | 2 | $222,000 | $111,000 | $178,000 | $96,000 | $96,000 |
| Collateral | 1 | $177,000 | $177,000 | $177,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Amerifirst H.I. Finance Co.'s 2005 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 Amerifirst H.I. Finance Co.'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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