Amerifirst H.I. Finance Co. Mortgage Lending & HMDA Data, 2004
In 2004, Amerifirst H.I. Finance Co. of Omaha, NE reported 603 mortgage applications totaling $81.9 million, down 4% from 2003. The average application was for $135,875, and applicants reported an average income of $61,872. 7% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Baltimore-Towson, MD (72), Virginia Beach-Norfolk-Newport News, VA-NC (51) and Bethesda-Frederick-Gaithersburg, MD (25) (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 | 603 |
| Total Mortgage Loan Application Amount | $81,933,000 |
| Average Mortgage Loan Application Amount | $135,875 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $61,872 |
| Highest Applicant Income | $1,100,000 |
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records Amerifirst H.I. Finance Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore-Towson, MD | 72 | $ 10,402,000 | $ 144,472 | $ 63,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 51 | $ 5,751,000 | $ 112,764 | $ 53,000 |
| Bethesda-Frederick-Gaithersburg, MD | 25 | $ 4,735,000 | $ 189,400 | $ 90,000 |
| Pittsburgh, PA | 25 | $ 2,180,000 | $ 87,200 | $ 45,000 |
| Richmond, VA | 18 | $ 1,749,000 | $ 97,166 | $ 49,000 |
| Philadelphia, PA | 14 | $ 1,150,000 | $ 82,142 | $ 56,000 |
| Harrisburg-Carlisle, PA | 12 | $ 963,000 | $ 80,250 | $ 50,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 9 | $ 1,462,000 | $ 162,444 | $ 65,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 556,000 | $ 69,500 | $ 45,000 |
| Indianapolis, IN | 8 | $ 898,000 | $ 112,250 | $ 204,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,089,000 | $ 136,125 | $ 46,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 336,000 | $ 84,000 | $ 58,000 |
| Denver-Aurora, CO | 3 | $ 425,000 | $ 141,666 | $ 49,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 209,000 | $ 69,666 | $ 67,000 |
| Fresno, CA | 3 | $ 321,000 | $ 107,000 | $ 38,000 |
| Johnstown, PA | 3 | $ 259,000 | $ 86,333 | $ 45,000 |
| Little Rock-North Little Rock, AR | 3 | $ 171,000 | $ 57,000 | $ 50,000 |
| Madison, WI | 3 | $ 391,000 | $ 130,333 | $ 37,000 |
| Muskegon-Norton Shores, MI | 3 | $ 295,000 | $ 98,333 | $ 40,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 257,000 | $ 85,666 | $ 45,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 731,000 | $ 243,666 | $ 55,000 |
| Sioux Falls, SD | 3 | $ 277,000 | $ 92,333 | $ 30,000 |
| Warren-Farmington Hills-Troy, MI | 3 | $ 275,000 | $ 91,666 | $ 66,000 |
| Wausau, WI | 3 | $ 288,000 | $ 96,000 | $ 47,000 |
| Wichita, KS | 3 | $ 284,000 | $ 94,666 | $ 58,000 |
| Wilmington, DE-MD-NJ | 3 | $ 337,000 | $ 112,333 | $ 49,000 |
| Winchester, VA-WV | 3 | $ 460,000 | $ 153,333 | $ 60,000 |
| York-Hanover, PA | 3 | $ 247,000 | $ 82,333 | $ 36,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 188,000 | $ 94,000 | $ 54,000 |
| Dover, DE | 2 | $ 367,000 | $ 183,500 | $ 101,000 |
| Evansville, IN-KY | 2 | $ 143,000 | $ 71,500 | $ 30,000 |
| Fort Smith, AR-OK | 2 | $ 382,000 | $ 191,000 | $ 110,000 |
| Fort Wayne, IN | 2 | $ 197,000 | $ 98,500 | $ 50,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 152,000 | $ 76,000 | $ 37,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 250,000 | $ 125,000 | $ 47,000 |
| Holland-Grand Haven, MI | 2 | $ 274,000 | $ 137,000 | $ 54,000 |
| Jackson, MI | 2 | $ 166,000 | $ 83,000 | $ 33,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 290,000 | $ 145,000 | $ 72,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 200,000 | $ 100,000 | $ 36,000 |
| Roanoke, VA | 2 | $ 202,000 | $ 101,000 | $ 44,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 25,000 | $ 12,500 | $ 43,000 |
| Salem, OR | 2 | $ 134,000 | $ 67,000 | $ 80,000 |
| Tulsa, OK | 2 | $ 175,000 | $ 87,500 | $ 48,000 |
| Anderson, IN | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Ann Arbor, MI | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Bakersfield, CA | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Barnstable Town, MA | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Battle Creek, MI | 1 | $ 68,000 | $ 68,000 | $ 29,000 |
| Bay City, MI | 1 | $ 42,000 | $ 42,000 | $ 89,000 |
| Beaumont-Port Arthur, TX | 1 | $ 40,000 | $ 40,000 | $ 22,000 |
| Boston-Quincy, MA | 1 | $ 351,000 | $ 351,000 | $ 75,000 |
| Charlottesville, VA | 1 | $ 114,000 | $ 114,000 | $ 27,000 |
| Cheyenne, WY | 1 | $ 149,000 | $ 149,000 | $ 66,000 |
| Cumberland, MD-WV | 1 | $ 83,000 | $ 83,000 | $ 20,000 |
| Danville, VA | 1 | $ 84,000 | $ 84,000 | $ 44,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Flint, MI | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Fond Du Lac, WI | 1 | $ 130,000 | $ 130,000 | $ 162,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Gary, IN | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Jackson, MS | 1 | $ 68,000 | $ 68,000 | $ 60,000 |
| Janesville, WI | 1 | $ 84,000 | $ 84,000 | $ 22,000 |
| Kalamazoo-Portage, MI | 1 | $ 171,000 | $ 171,000 | $ 69,000 |
| Kokomo, IN | 1 | $ 118,000 | $ 118,000 | $ 89,000 |
| Lancaster, PA | 1 | $ 113,000 | $ 113,000 | $ 30,000 |
| Lansing-East Lansing, MI | 1 | $ 84,000 | $ 84,000 | $ 66,000 |
| Lebanon, PA | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
| Lincoln, NE | 1 | $ 79,000 | $ 79,000 | $ 33,000 |
| Lynchburg, VA | 1 | $ 78,000 | $ 78,000 | $ 44,000 |
| Madera, CA | 1 | $ 159,000 | $ 159,000 | $ 65,000 |
| New Haven-Milford, CT | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Niles-Benton Harbor, MI | 1 | $ 149,000 | $ 149,000 | $ 55,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 320,000 | $ 320,000 | $ 75,000 |
| Oklahoma City, OK | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Orlando, FL | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 475,000 | $ 475,000 | $ 75,000 |
| Pueblo, CO | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Rapid City, SD | 1 | $ 81,000 | $ 81,000 | $ 75,000 |
| Redding, CA | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Salinas, CA | 1 | $ 450,000 | $ 450,000 | $ 42,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 164,000 | $ 164,000 | $ 35,000 |
| Spartanburg, SC | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| St. Cloud, MN | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| State College, PA | 1 | $ 138,000 | $ 138,000 | $ 45,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Vallejo-Fairfield, CA | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 119,000 | $ 119,000 | $ 35,000 |
| Wheeling, WV-OH | 1 | $ 85,000 | $ 85,000 | $ 131,000 |
| Williamsport, PA | 1 | $ 52,000 | $ 52,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Amerifirst H.I. Finance Co. in 2004
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 | 581 | $79,520,000 | $110,538 | $555,000 | $57,192 | $1,100,000 |
| Home Purchase | 14 | $1,960,000 | $117,000 | $285,000 | $51,833 | $144,000 |
| Home Improvement | 8 | $453,000 | $69,500 | $140,000 | $41,833 | $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 | 285 | $36,084,000 | $120,136 | $533,000 | $58,045 | $1,100,000 |
| Black or African American | 153 | $22,854,000 | $125,916 | $555,000 | $56,083 | $237,000 |
| Not Provided | 131 | $16,900,000 | $92,100 | $465,000 | $48,300 | $215,000 |
| Hispanic | 16 | $2,880,000 | $131,571 | $480,000 | $55,285 | $129,000 |
| Asian | 12 | $1,908,000 | $157,000 | $481,000 | $66,250 | $308,000 |
| American Indian or Alaskan Native | 5 | $1,163,000 | $205,250 | $383,000 | $76,500 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $144,000 | $144,000 | $144,000 | $81,000 | $81,000 |
| 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) | 600 | $81,620,000 | $109,615 | $555,000 | $56,923 | $1,100,000 |
| VA-guaranteed (Veterans Administration) | 3 | $313,000 | $92,000 | $161,000 | $81,000 | $178,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 244 | $35,188,000 | $112,157 | $555,000 | $53,315 | $220,000 |
| Application Denied By Financial Institution | 209 | $24,753,000 | $108,565 | $533,000 | $54,391 | $1,100,000 |
| Application Approved But Not Accepted | 83 | $11,301,000 | $113,176 | $383,000 | $60,470 | $154,000 |
| Loan Originated | 41 | $7,033,000 | $116,000 | $481,000 | $70,000 | $308,000 |
| Loan Purchased By The Institution | 26 | $3,658,000 | $125,125 | $296,000 | $55,250 | $178,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 98 | $10,925,000 | $97,588 | $533,000 | $53,000 | $215,000 |
| Other | 55 | $8,206,000 | $137,538 | $480,000 | $81,461 | $1,100,000 |
| Credit History | 41 | $3,869,000 | $97,500 | $230,000 | $45,166 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,030,000 | $127,285 | $261,000 | $35,285 | $65,000 |
| Unverifiable Information | 5 | $469,000 | $93,800 | $224,000 | $51,800 | $72,000 |
| Debt-To-Income Ratio | 1 | $164,000 | $164,000 | $164,000 | $35,000 | $35,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Amerifirst H.I. Finance Co.'s 2004 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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