Assurafirst Financial Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Assurafirst Financial Company 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Assurafirst Financial Company 26400 Lahser Road Suite 444 Southfield, MI 48034 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 3,838 |
| Total Mortgage Loan Application Amount | $514,697,000 |
| Average Mortgage Loan Application Amount | $162,672 |
| Highest Mortgage Loan Application Amount | $935,000 |
| Average Applicant Income | $75,981 |
| Highest Applicant Income | $791,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Assurafirst Financial Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Assurafirst Financial Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Assurafirst Financial Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Assurafirst Financial Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Assurafirst Financial Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Assurafirst Financial Company's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland County Michigan | 251 | $ 41,822,000 | $ 166,000 | $ 75,000 |
| Wayne County Michigan | 235 | $ 31,607,000 | $ 134,000 | $ 57,000 |
| Macomb County Michigan | 215 | $ 29,373,000 | $ 136,000 | $ 58,000 |
| Livingston County Michigan | 188 | $ 33,361,000 | $ 177,000 | $ 71,000 |
| Bell County Texas | 186 | $ 20,828,000 | $ 111,000 | $ 55,000 |
| Marion County Indiana | 180 | $ 19,933,000 | $ 110,000 | $ 61,000 |
| Brown County Wisconsin | 173 | $ 20,403,000 | $ 117,000 | $ 58,000 |
| Saginaw County Michigan | 131 | $ 12,349,000 | $ 94,000 | $ 52,000 |
| Maricopa County Arizona | 126 | $ 22,192,000 | $ 176,000 | $ 69,000 |
| Delaware County Indiana | 119 | $ 9,433,000 | $ 79,000 | $ 59,000 |
| Matanuska-Susitna County Alaska | 114 | $ 20,834,000 | $ 182,000 | $ 81,000 |
| Lake County Indiana | 109 | $ 13,645,000 | $ 125,000 | $ 57,000 |
| Summit County Ohio | 105 | $ 12,318,000 | $ 117,000 | $ 61,000 |
| Genesee County Michigan | 99 | $ 12,348,000 | $ 124,000 | $ 49,000 |
| Washtenaw County Michigan | 73 | $ 12,923,000 | $ 177,000 | $ 72,000 |
| Johnson County Indiana | 70 | $ 8,102,000 | $ 115,000 | $ 60,000 |
| Hamilton County Indiana | 69 | $ 9,468,000 | $ 137,000 | $ 68,000 |
| Ingham County Michigan | 69 | $ 10,830,000 | $ 156,000 | $ 86,000 |
| St. Clair County Michigan | 57 | $ 7,952,000 | $ 139,000 | $ 65,000 |
| Allen County Indiana | 46 | $ 4,740,000 | $ 103,000 | $ 41,000 |
| Morgan County Indiana | 40 | $ 4,302,000 | $ 107,000 | $ 53,000 |
| Kalamazoo County Michigan | 29 | $ 3,609,000 | $ 124,000 | $ 63,000 |
| Madison County Indiana | 24 | $ 2,840,000 | $ 118,000 | $ 53,000 |
| St. Joseph County Indiana | 22 | $ 2,030,000 | $ 92,000 | $ 72,000 |
| Portage County Ohio | 22 | $ 2,682,000 | $ 121,000 | $ 48,000 |
| Hendricks County Indiana | 20 | $ 2,341,000 | $ 117,000 | $ 45,000 |
| Van Buren County Michigan | 20 | $ 2,693,000 | $ 134,000 | $ 58,000 |
| Palm Beach County Florida | 19 | $ 4,215,000 | $ 221,000 | $ 73,000 |
| Berrien County Michigan | 18 | $ 2,146,000 | $ 119,000 | $ 46,000 |
| Kent County Michigan | 18 | $ 2,653,000 | $ 147,000 | $ 74,000 |
| Montgomery County Ohio | 18 | $ 2,131,000 | $ 118,000 | $ 51,000 |
| Porter County Indiana | 17 | $ 2,484,000 | $ 146,000 | $ 63,000 |
| Coryell County Texas | 17 | $ 1,666,000 | $ 98,000 | $ 42,000 |
| Oconto County Wisconsin | 17 | $ 2,507,000 | $ 147,000 | $ 52,000 |
| Bay County Michigan | 16 | $ 2,028,000 | $ 126,000 | $ 50,000 |
| Monroe County Michigan | 16 | $ 1,826,000 | $ 114,000 | $ 37,000 |
| Outagamie County Wisconsin | 15 | $ 1,685,000 | $ 112,000 | $ 66,000 |
| Clinton County Michigan | 14 | $ 2,243,000 | $ 160,000 | $ 84,000 |
| Lapeer County Michigan | 14 | $ 1,773,000 | $ 126,000 | $ 72,000 |
| Boone County Indiana | 12 | $ 1,276,000 | $ 106,000 | $ 65,000 |
| Hancock County Indiana | 12 | $ 1,507,000 | $ 125,000 | $ 64,000 |
| Jackson County Michigan | 12 | $ 1,537,000 | $ 128,000 | $ 65,000 |
| Anchorage County Alaska | 11 | $ 2,105,000 | $ 191,000 | $ 74,000 |
| Calhoun County Michigan | 11 | $ 1,513,000 | $ 137,000 | $ 58,000 |
| Eaton County Michigan | 10 | $ 1,519,000 | $ 151,000 | $ 85,000 |
| Lampasas County Texas | 9 | $ 1,135,000 | $ 126,000 | $ 51,000 |
| Broward County Florida | 8 | $ 1,804,000 | $ 225,000 | $ 81,000 |
| Ottawa County Michigan | 8 | $ 1,177,000 | $ 147,000 | $ 97,000 |
| Kewaunee County Wisconsin | 8 | $ 998,000 | $ 124,000 | $ 40,000 |
| Whitley County Indiana | 6 | $ 679,000 | $ 113,000 | $ 52,000 |
| Prince William County Virginia | 6 | $ 1,808,000 | $ 301,000 | $ 79,000 |
| Lee County Florida | 5 | $ 1,158,000 | $ 231,000 | $ 126,000 |
| Monroe County Indiana | 5 | $ 876,000 | $ 175,000 | $ 67,000 |
| Barry County Michigan | 5 | $ 618,000 | $ 123,000 | $ 55,000 |
| Elkhart County Indiana | 4 | $ 250,000 | $ 62,000 | $ 55,000 |
| Jasper County Indiana | 4 | $ 515,000 | $ 128,000 | $ 50,000 |
| Cuyahoga County Ohio | 4 | $ 376,000 | $ 94,000 | $ 35,000 |
| Yavapai County Arizona | 3 | $ 648,000 | $ 216,000 | $ 82,000 |
| Ada County Idaho | 3 | $ 571,000 | $ 190,000 | $ 140,000 |
| LaPorte County Indiana | 3 | $ 181,000 | $ 60,000 | $ 51,000 |
| Clark County Nevada | 3 | $ 877,000 | $ 292,000 | $ 76,000 |
| Suffolk County New York | 3 | $ 872,000 | $ 290,000 | $ 141,000 |
| Lucas County Ohio | 3 | $ 222,000 | $ 74,000 | $ 48,000 |
| Miami County Ohio | 3 | $ 333,000 | $ 111,000 | $ 30,000 |
| Stark County Ohio | 3 | $ 302,000 | $ 100,000 | $ 45,000 |
| Dane County Wisconsin | 3 | $ 292,000 | $ 97,000 | $ 83,000 |
| Pinal County Arizona | 2 | $ 367,000 | $ 183,000 | $ 134,000 |
| Sacramento County California | 2 | $ 354,000 | $ 177,000 | $ 45,000 |
| Arapahoe County Colorado | 2 | $ 160,000 | $ 80,000 | $ 28,000 |
| Duval County Florida | 2 | $ 273,000 | $ 136,000 | $ 23,000 |
| Pinellas County Florida | 2 | $ 204,000 | $ 102,000 | $ 72,000 |
| Kootenai County Idaho | 2 | $ 500,000 | $ 250,000 | $ 139,000 |
| Cook County Illinois | 2 | $ 422,000 | $ 211,000 | $ 66,000 |
| Winnebago County Illinois | 2 | $ 110,000 | $ 55,000 | $ 30,000 |
| Brown County Indiana | 2 | $ 251,000 | $ 125,000 | $ 107,000 |
| Newton County Indiana | 2 | $ 306,000 | $ 153,000 | $ 69,000 |
| Wells County Indiana | 2 | $ 249,000 | $ 124,000 | $ 50,000 |
| Cass County Michigan | 2 | $ 215,000 | $ 107,000 | $ 32,000 |
| Washoe County Nevada | 2 | $ 600,000 | $ 300,000 | $ 46,000 |
| Medina County Ohio | 2 | $ 348,000 | $ 174,000 | $ 64,000 |
| Richland County Ohio | 2 | $ 179,000 | $ 89,000 | $ 25,000 |
| Washington County Oregon | 2 | $ 327,000 | $ 163,000 | $ 62,000 |
| Hidalgo County Texas | 2 | $ 205,000 | $ 102,000 | $ 86,000 |
| Winnebago County Wisconsin | 2 | $ 213,000 | $ 106,000 | $ 121,000 |
| Houston County Alabama | 1 | $ 194,000 | $ 194,000 | $ 48,000 |
| Fairbanks North Star County Alaska | 1 | $ 228,000 | $ 228,000 | $ 106,000 |
| Yuma County Arizona | 1 | $ 340,000 | $ 340,000 | $ 50,000 |
| Jefferson County Colorado | 1 | $ 211,000 | $ 211,000 | $ 150,000 |
| Brevard County Florida | 1 | $ 112,000 | $ 112,000 | $ 126,000 |
| Charlotte County Florida | 1 | $ 163,000 | $ 163,000 | $ 55,000 |
| Martin County Florida | 1 | $ 112,000 | $ 112,000 | $ 36,000 |
| Pasco County Florida | 1 | $ 360,000 | $ 360,000 | $ 120,000 |
| Sarasota County Florida | 1 | $ 194,000 | $ 194,000 | $ 145,000 |
| St. Johns County Florida | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| St. Lucie County Florida | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Canyon County Idaho | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Lake County Illinois | 1 | $ 250,000 | $ 250,000 | $ 86,000 |
| Vermilion County Illinois | 1 | $ 20,000 | $ 20,000 | $ 51,000 |
| Clay County Indiana | 1 | $ 96,000 | $ 96,000 | $ 38,000 |
| Franklin County Indiana | 1 | $ 83,000 | $ 83,000 | $ 21,000 |
| Putnam County Indiana | 1 | $ 108,000 | $ 108,000 | $ 47,000 |
| Shelby County Indiana | 1 | $ 42,000 | $ 42,000 | $ 63,000 |
| Tippecanoe County Indiana | 1 | $ 151,000 | $ 151,000 | $ 50,000 |
| Johnson County Kansas | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| Jefferson County Louisiana | 1 | $ 108,000 | $ 108,000 | $ 69,000 |
| Anne Arundel County Maryland | 1 | $ 179,000 | $ 179,000 | $ 87,000 |
| Howard County Maryland | 1 | $ 280,000 | $ 280,000 | $ 107,000 |
| Middlesex County Massachusetts | 1 | $ 500,000 | $ 500,000 | $ 358,000 |
| Norfolk County Massachusetts | 1 | $ 220,000 | $ 220,000 | $ 70,000 |
| Ionia County Michigan | 1 | $ 304,000 | $ 304,000 | $ 97,000 |
| Muskegon County Michigan | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Hennepin County Minnesota | 1 | $ 359,000 | $ 359,000 | $ 71,000 |
| Scott County Minnesota | 1 | $ 127,000 | $ 127,000 | $ 44,000 |
| Durham County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 53,000 |
| Wake County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 36,000 |
| Clark County Ohio | 1 | $ 69,000 | $ 69,000 | $ 44,000 |
| Greene County Ohio | 1 | $ 161,000 | $ 161,000 | $ 47,000 |
| Trumbull County Ohio | 1 | $ 131,000 | $ 131,000 | $ 36,000 |
| Cumberland County Pennsylvania | 1 | $ 207,000 | $ 207,000 | $ 75,000 |
| Bradley County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Davidson County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 124,000 |
| Madison County Tennessee | 1 | $ 141,000 | $ 141,000 | $ 66,000 |
| Montgomery County Tennessee | 1 | $ 209,000 | $ 209,000 | $ 71,000 |
| Sumner County Tennessee | 1 | $ 324,000 | $ 324,000 | $ 152,000 |
| Collin County Texas | 1 | $ 153,000 | $ 153,000 | $ 47,000 |
| Harris County Texas | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Salt Lake County Utah | 1 | $ 284,000 | $ 284,000 | $ 90,000 |
| Summit County Utah | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Weber County Utah | 1 | $ 201,000 | $ 201,000 | $ 48,000 |
| Arlington County Virginia | 1 | $ 327,000 | $ 327,000 | $ 97,000 |
| Spotsylvania County Virginia | 1 | $ 216,000 | $ 216,000 | $ 138,000 |
| Stafford County Virginia | 1 | $ 53,000 | $ 53,000 | $ 52,000 |
| King County Washington | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| Snohomish County Washington | 1 | $ 152,000 | $ 152,000 | $ 72,000 |
| Pierce County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 86,000 |
| Sheboygan County Wisconsin | 1 | $ 113,000 | $ 113,000 | $ 0 |
Mortgage Loan Application Detail Totals for Assurafirst Financial Company 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,435 | $309,620,000 | $167,095 | $750,000 | $73,619 | $458,000 |
| Refinancing | 1,302 | $201,263,000 | $200,920 | $935,000 | $70,840 | $791,000 |
| Home Improvement | 101 | $3,814,000 | $46,111 | $200,000 | $95,777 | $253,000 |
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 | 3,339 | $450,939,000 | $189,185 | $935,000 | $77,148 | $791,000 |
| Black or African American | 200 | $23,260,000 | $150,636 | $350,000 | $63,090 | $253,000 |
| Hispanic | 137 | $18,192,000 | $155,500 | $515,000 | $54,300 | $141,000 |
| Not Provided | 110 | $14,569,000 | $98,500 | $588,000 | $81,750 | $250,000 |
| Asian | 43 | $6,699,000 | $174,750 | $360,000 | $70,375 | $169,000 |
| American Indian or Alaskan Native | 8 | $813,000 | $98,800 | $206,000 | $38,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $225,000 | $225,000 | $225,000 | $120,000 | $120,000 |
| 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) | 2,692 | $378,971,000 | $186,555 | $935,000 | $81,111 | $791,000 |
| FHA-insured (Federal Housing Administration) | 814 | $94,662,000 | $136,272 | $337,000 | $49,636 | $147,000 |
| VA-guaranteed (Veterans Administration) | 272 | $35,496,000 | $167,818 | $367,000 | $50,636 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $5,568,000 | $93,666 | $167,000 | $39,333 | $72,000 |
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 | 2,170 | $275,737,000 | $206,000 | $750,000 | $78,520 | $451,000 |
| Application Withdrawn By Applicant | 938 | $120,280,000 | $169,600 | $640,000 | $70,950 | $458,000 |
| Loan Purchased By The Institution | 616 | $102,975,000 | $165,500 | $611,000 | $78,000 | $791,000 |
| Application Denied By Financial Institution | 78 | $10,392,000 | $136,454 | $935,000 | $62,545 | $384,000 |
| Preapproval Denied by Financial Institution | 32 | $4,912,000 | $148,200 | $279,000 | $57,400 | $117,000 |
| File Closed For Incompleteness | 2 | $179,000 | $89,500 | $90,000 | $41,000 | $58,000 |
| Application Approved But Not Accepted | 1 | $73,000 | $73,000 | $73,000 | $42,000 | $42,000 |
| Preapproval Approved but not Accepted | 1 | $149,000 | $149,000 | $149,000 | $95,000 | $95,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 60 | $8,104,000 | $189,428 | $340,000 | $57,571 | $117,000 |
| Other | 20 | $2,408,000 | $104,250 | $282,000 | $69,250 | $120,000 |
| Collateral | 14 | $2,678,000 | $167,000 | $935,000 | $74,833 | $384,000 |
| Debt-To-Income Ratio | 9 | $1,238,000 | $151,250 | $244,000 | $52,500 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $318,000 | $106,000 | $143,000 | $34,000 | $43,000 |
| Unverifiable Information | 2 | $250,000 | $125,000 | $160,000 | $27,500 | $55,000 |
| Employment History | 2 | $308,000 | $154,000 | $276,000 | $52,000 | $90,000 |
| 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 Assurafirst Financial Company'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 Assurafirst Financial Company'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 Michigan, download the full spreadsheet
with aggregated HMDA statistics today.