Amerifirst H.I. Finance Co. Mortgage Lending & HMDA Data, 2007
In 2007, Amerifirst H.I. Finance Co. of Omaha, NE reported 303 mortgage applications totaling $36.6 million, down 38% from 2006. The average application was for $120,910, and applicants reported an average income of $66,706. 64% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (21), Baltimore-Towson, MD (13) and Omaha-Council Bluffs, NE-IA (11) (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 | 303 |
| Total Mortgage Loan Application Amount | $36,636,000 |
| Average Mortgage Loan Application Amount | $120,910 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $66,706 |
| Highest Applicant Income | $493,000 |
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records Amerifirst H.I. Finance Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 3,994,000 | $ 190,190 | $ 88,190 |
| Baltimore-Towson, MD | 13 | $ 1,994,000 | $ 153,384 | $ 83,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 1,432,000 | $ 130,181 | $ 68,181 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 962,000 | $ 96,200 | $ 42,000 |
| Columbus, OH | 8 | $ 778,000 | $ 97,250 | $ 60,000 |
| Kansas City, MO-KS | 8 | $ 897,000 | $ 112,125 | $ 54,000 |
| Memphis, TN-MS-AR | 8 | $ 565,000 | $ 70,625 | $ 42,750 |
| St. Louis, MO-IL | 7 | $ 641,000 | $ 91,571 | $ 40,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,077,000 | $ 153,857 | $ 84,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 524,000 | $ 87,333 | $ 52,166 |
| Pittsburgh, PA | 6 | $ 602,000 | $ 100,333 | $ 51,000 |
| Richmond, VA | 6 | $ 610,000 | $ 101,666 | $ 67,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 468,000 | $ 93,600 | $ 58,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 527,000 | $ 105,400 | $ 54,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 558,000 | $ 139,500 | $ 53,000 |
| Springfield, MO | 4 | $ 405,000 | $ 101,250 | $ 55,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 561,000 | $ 140,250 | $ 166,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 428,000 | $ 142,666 | $ 52,000 |
| Canton-Massillon, OH | 3 | $ 271,000 | $ 90,333 | $ 69,000 |
| Clarksville, TN-KY | 3 | $ 254,000 | $ 84,666 | $ 51,000 |
| Denver-Aurora, CO | 3 | $ 439,000 | $ 146,333 | $ 87,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 383,000 | $ 127,666 | $ 69,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 613,000 | $ 204,333 | $ 110,000 |
| Fort Smith, AR-OK | 3 | $ 187,000 | $ 62,333 | $ 42,000 |
| Knoxville, TN | 3 | $ 277,000 | $ 92,333 | $ 45,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 320,000 | $ 106,666 | $ 42,000 |
| Ogden-Clearfield, UT | 3 | $ 310,000 | $ 103,333 | $ 59,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 510,000 | $ 170,000 | $ 75,000 |
| Akron, OH | 2 | $ 156,000 | $ 78,000 | $ 62,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 211,000 | $ 105,500 | $ 76,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 447,000 | $ 223,500 | $ 71,000 |
| Birmingham-Hoover, AL | 2 | $ 148,000 | $ 74,000 | $ 59,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 275,000 | $ 137,500 | $ 64,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,112,000 | $ 556,000 | $ 278,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 279,000 | $ 139,500 | $ 299,000 |
| Flint, MI | 2 | $ 382,000 | $ 191,000 | $ 118,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 83,000 | $ 41,500 | $ 31,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 304,000 | $ 152,000 | $ 56,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 356,000 | $ 178,000 | $ 55,000 |
| Philadelphia, PA | 2 | $ 165,000 | $ 82,500 | $ 77,000 |
| Wichita, KS | 2 | $ 347,000 | $ 173,500 | $ 121,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 150,000 | $ 75,000 | $ 58,000 |
| Anniston-Oxford, AL | 1 | $ 92,000 | $ 92,000 | $ 65,000 |
| Baton Rouge, LA | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Bismarck, ND | 1 | $ 64,000 | $ 64,000 | $ 46,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Casper, WY | 1 | $ 69,000 | $ 69,000 | $ 31,000 |
| Charlottesville, VA | 1 | $ 28,000 | $ 28,000 | $ 37,000 |
| Chattanooga, TN-GA | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 149,000 | $ 149,000 | $ 55,000 |
| Decatur, AL | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Des Moines-West Des Moines, IA | 1 | $ 156,000 | $ 156,000 | $ 70,000 |
| Durham, NC | 1 | $ 57,000 | $ 57,000 | $ 64,000 |
| Farmington, NM | 1 | $ 158,000 | $ 158,000 | $ 40,000 |
| Fond Du Lac, WI | 1 | $ 113,000 | $ 113,000 | $ 66,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
| Harrisburg-Carlisle, PA | 1 | $ 347,000 | $ 347,000 | $ 117,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 197,000 | $ 197,000 | $ 64,000 |
| Indianapolis-Carmel, IN | 1 | $ 114,000 | $ 114,000 | $ 39,000 |
| Johnstown, PA | 1 | $ 42,000 | $ 42,000 | $ 98,000 |
| Jonesboro, AR | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Lafayette, LA | 1 | $ 79,000 | $ 79,000 | $ 21,000 |
| Lakeland, FL | 1 | $ 108,000 | $ 108,000 | $ 233,000 |
| Lancaster, PA | 1 | $ 120,000 | $ 120,000 | $ 29,000 |
| Lincoln, NE | 1 | $ 286,000 | $ 286,000 | $ 100,000 |
| Lynchburg, VA | 1 | $ 48,000 | $ 48,000 | $ 148,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 285,000 | $ 285,000 | $ 49,000 |
| Missoula, MT | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Modesto, CA | 1 | $ 50,000 | $ 50,000 | $ 17,000 |
| Morristown, TN | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Nassau-Suffolk, NY | 1 | $ 170,000 | $ 170,000 | $ 117,000 |
| Norwich-New London, CT | 1 | $ 242,000 | $ 242,000 | $ 120,000 |
| Oklahoma City, OK | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
| Olympia, WA | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Pine Bluff, AR | 1 | $ 69,000 | $ 69,000 | $ 78,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 27,000 | $ 27,000 | $ 74,000 |
| Reading, PA | 1 | $ 25,000 | $ 25,000 | $ 15,000 |
| Rochester, NY | 1 | $ 99,000 | $ 99,000 | $ 88,000 |
| Rockingham County-Strafford County, NH | 1 | $ 207,000 | $ 207,000 | $ 120,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 90,000 | $ 90,000 | $ 98,000 |
| Salt Lake City, UT | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Savannah, GA | 1 | $ 87,000 | $ 87,000 | $ 81,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 108,000 | $ 108,000 | $ 42,000 |
| Sioux Falls, SD | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| St. Joseph, MO-KS | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Tacoma, WA | 1 | $ 237,000 | $ 237,000 | $ 160,000 |
| Toledo, OH | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Tuscaloosa, AL | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Wheeling, WV-OH | 1 | $ 77,000 | $ 77,000 | $ 26,000 |
| Wilmington, DE-MD-NJ | 1 | $ 252,000 | $ 252,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Amerifirst H.I. Finance Co. in 2007
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 | 292 | $34,445,000 | $117,000 | $549,000 | $65,000 | $480,000 |
| Home Purchase | 11 | $2,191,000 | $199,000 | $900,000 | $112,000 | $493,000 |
| 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 | 199 | $24,317,000 | $122,000 | $900,000 | $70,000 | $493,000 |
| Black or African American | 78 | $9,174,000 | $117,000 | $438,000 | $63,000 | $166,000 |
| Not Provided | 15 | $1,972,000 | $131,000 | $336,000 | $62,000 | $160,000 |
| Hispanic | 11 | $1,173,000 | $106,000 | $208,000 | $57,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 301 | $36,461,000 | $121,000 | $900,000 | $67,000 | $493,000 |
| FHA-insured (Federal Housing Administration) | 2 | $175,000 | $87,000 | $89,000 | $33,000 | $39,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 195 | $24,426,000 | $125,000 | $900,000 | $72,000 | $493,000 |
| Application Withdrawn By Applicant | 59 | $7,015,000 | $118,000 | $405,000 | $63,000 | $165,000 |
| Application Denied By Financial Institution | 45 | $4,710,000 | $104,000 | $412,000 | $53,000 | $130,000 |
| Application Approved But Not Accepted | 2 | $159,000 | $79,000 | $90,000 | $51,000 | $68,000 |
| File Closed For Incompleteness | 2 | $326,000 | $163,000 | $276,000 | $61,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $650,000 | $108,000 | $207,000 | $56,000 | $97,000 |
| Collateral | 6 | $581,000 | $96,000 | $207,000 | $46,000 | $79,000 |
| Credit History | 4 | $316,000 | $79,000 | $98,000 | $41,000 | $61,000 |
| Other | 3 | $509,000 | $169,000 | $412,000 | $87,000 | $100,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2007 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.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.
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