Family First Funding LLC Mortgage Lending & HMDA Data, 2016
In 2016, Family First Funding LLC of Toms River, NJ reported 3,640 mortgage applications totaling $894.7 million, down 31% from 2015. The average application was for $245,787, and applicants reported an average income of $82,046. 32% of its applications resulted in an originated loan and 11% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (1,417), Newark, NJ-PA (393) and Nassau County-Suffolk County, NY (312) (applications in parentheses).
| Mortgage Company & Address | Family First Funding LLC 215 Main Street, #2a Toms River, NJ 08753 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 3,640 |
| Total Mortgage Loan Application Amount | $894,665,000 |
| Average Mortgage Loan Application Amount | $245,787 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $82,046 |
| Highest Applicant Income | $3,197,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Family First Funding LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Ocean, New Jersey | 568 | $ 134,669,000 | $ 237,093 | $ 85,000 |
| Monmouth, New Jersey | 323 | $ 94,662,000 | $ 293,071 | $ 115,000 |
| Suffolk, New York | 242 | $ 69,333,000 | $ 286,500 | $ 88,000 |
| Middlesex, New Jersey | 156 | $ 40,179,000 | $ 257,557 | $ 85,000 |
| Essex, New Jersey | 149 | $ 42,370,000 | $ 284,362 | $ 84,000 |
| Union, New Jersey | 118 | $ 30,349,000 | $ 257,194 | $ 70,000 |
| Passaic, New Jersey | 93 | $ 22,220,000 | $ 238,924 | $ 82,000 |
| Nassau, New York | 70 | $ 22,860,000 | $ 326,571 | $ 120,000 |
| Queens, New York | 70 | $ 30,570,000 | $ 436,714 | $ 122,000 |
| Bergen, New Jersey | 56 | $ 20,446,000 | $ 365,107 | $ 130,000 |
| Monroe, Pennsylvania | 55 | $ 6,904,000 | $ 125,527 | $ 48,000 |
| Hudson, New Jersey | 45 | $ 12,548,000 | $ 278,844 | $ 67,000 |
| Morris, New Jersey | 44 | $ 13,678,000 | $ 310,863 | $ 101,000 |
| Kings, New York | 41 | $ 18,206,000 | $ 444,048 | $ 80,000 |
| Burlington, New Jersey | 40 | $ 8,561,000 | $ 214,025 | $ 59,000 |
| Somerset, New Jersey | 38 | $ 13,588,000 | $ 357,578 | $ 97,000 |
| Philadelphia, Pennsylvania | 32 | $ 6,201,000 | $ 193,781 | $ 82,000 |
| Camden, New Jersey | 28 | $ 5,327,000 | $ 190,250 | $ 68,000 |
| Sussex, New Jersey | 27 | $ 6,039,000 | $ 223,666 | $ 174,000 |
| Hernando, Florida | 24 | $ 3,561,000 | $ 148,375 | $ 60,000 |
| Pasco, Florida | 24 | $ 3,045,000 | $ 126,875 | $ 56,000 |
| Gloucester, New Jersey | 24 | $ 4,594,000 | $ 191,416 | $ 55,000 |
| Mercer, New Jersey | 23 | $ 5,361,000 | $ 233,086 | $ 71,000 |
| Richmond, New York | 17 | $ 6,642,000 | $ 390,705 | $ 87,000 |
| Westchester, New York | 16 | $ 5,876,000 | $ 367,250 | $ 212,000 |
| Hillsborough, Florida | 14 | $ 2,798,000 | $ 199,857 | $ 83,000 |
| Warren, New Jersey | 14 | $ 3,075,000 | $ 219,642 | $ 73,000 |
| Pinellas, Florida | 13 | $ 2,767,000 | $ 212,846 | $ 161,000 |
| Atlantic, New Jersey | 13 | $ 2,132,000 | $ 164,000 | $ 49,000 |
| Bronx, New York | 13 | $ 5,284,000 | $ 406,461 | $ 109,000 |
| Bucks, Pennsylvania | 13 | $ 3,271,000 | $ 251,615 | $ 85,000 |
| Northampton, Pennsylvania | 13 | $ 3,763,000 | $ 289,461 | $ 137,000 |
| Orange, Florida | 12 | $ 2,878,000 | $ 239,833 | $ 78,000 |
| Palm Beach, Florida | 12 | $ 3,998,000 | $ 333,166 | $ 113,000 |
| Orange, New York | 12 | $ 2,259,000 | $ 188,250 | $ 72,000 |
| Broward, Florida | 11 | $ 3,399,000 | $ 309,000 | $ 149,000 |
| Hunterdon, New Jersey | 10 | $ 2,214,000 | $ 221,400 | $ 105,000 |
| Fairfield, Connecticut | 9 | $ 2,346,000 | $ 260,666 | $ 88,000 |
| Lee, Florida | 8 | $ 1,168,000 | $ 146,000 | $ 140,000 |
| Miami-Dade, Florida | 7 | $ 1,228,000 | $ 175,428 | $ 77,000 |
| Lehigh, Pennsylvania | 7 | $ 1,297,000 | $ 185,285 | $ 60,000 |
| Pike, Pennsylvania | 7 | $ 1,032,000 | $ 147,428 | $ 75,000 |
| Osceola, Florida | 6 | $ 764,000 | $ 127,333 | $ 41,000 |
| Cumberland, New Jersey | 6 | $ 923,000 | $ 153,833 | $ 22,000 |
| St. Johns, Florida | 5 | $ 1,449,000 | $ 289,800 | $ 50,000 |
| Dutchess, New York | 5 | $ 890,000 | $ 178,000 | $ 70,000 |
| Rockland, New York | 5 | $ 2,067,000 | $ 413,400 | $ 137,000 |
| Hartford, Connecticut | 4 | $ 812,000 | $ 203,000 | $ 49,000 |
| New Haven, Connecticut | 4 | $ 679,000 | $ 169,750 | $ 57,000 |
| Collier, Florida | 4 | $ 874,000 | $ 218,500 | $ 297,000 |
| Sarasota, Florida | 4 | $ 911,000 | $ 227,750 | $ 77,000 |
| New York, New York | 4 | $ 1,376,000 | $ 344,000 | $ 157,000 |
| Carbon, Pennsylvania | 4 | $ 509,000 | $ 127,250 | $ 47,000 |
| Delaware, Pennsylvania | 4 | $ 612,000 | $ 153,000 | $ 119,000 |
| Montgomery, Pennsylvania | 4 | $ 854,000 | $ 213,500 | $ 62,000 |
| Litchfield, Connecticut | 3 | $ 255,000 | $ 85,000 | $ 104,000 |
| Tolland, Connecticut | 3 | $ 727,000 | $ 242,333 | $ 43,000 |
| Manatee, Florida | 3 | $ 752,000 | $ 250,666 | $ 86,000 |
| Cape May, New Jersey | 3 | $ 1,969,000 | $ 656,333 | $ 472,000 |
| Citrus, Florida | 2 | $ 221,000 | $ 110,500 | $ 36,000 |
| Duval, Florida | 2 | $ 341,000 | $ 170,500 | $ 104,000 |
| Broome, New York | 2 | $ 338,000 | $ 169,000 | $ 34,000 |
| Putnam, New York | 2 | $ 588,000 | $ 294,000 | $ 83,000 |
| Washington, New York | 2 | $ 224,000 | $ 112,000 | $ 53,000 |
| Allegheny, Pennsylvania | 2 | $ 366,000 | $ 183,000 | $ 0 |
| Chester, Pennsylvania | 2 | $ 597,000 | $ 298,500 | $ 149,000 |
| Lancaster, Pennsylvania | 2 | $ 319,000 | $ 159,500 | $ 53,000 |
| Middlesex, Connecticut | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Charlotte, Florida | 1 | $ 87,000 | $ 87,000 | $ 28,000 |
| Flagler, Florida | 1 | $ 638,000 | $ 638,000 | $ 224,000 |
| Jefferson, Florida | 1 | $ 404,000 | $ 404,000 | $ 112,000 |
| Marion, Florida | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Seminole, Florida | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Sumter, Florida | 1 | $ 226,000 | $ 226,000 | $ 143,000 |
| Salem, New Jersey | 1 | $ 201,000 | $ 201,000 | $ 66,000 |
| Erie, New York | 1 | $ 142,000 | $ 142,000 | $ 46,000 |
| Fulton, New York | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Lewis, New York | 1 | $ 103,000 | $ 103,000 | $ 68,000 |
| Monroe, New York | 1 | $ 143,000 | $ 143,000 | $ 99,000 |
| Oneida, New York | 1 | $ 311,000 | $ 311,000 | $ 86,000 |
| Onondaga, New York | 1 | $ 232,000 | $ 232,000 | $ 66,000 |
| Ontario, New York | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Otsego, New York | 1 | $ 113,000 | $ 113,000 | $ 133,000 |
| Saratoga, New York | 1 | $ 563,000 | $ 563,000 | $ 192,000 |
| Ulster, New York | 1 | $ 184,000 | $ 184,000 | $ 111,000 |
| Dauphin, Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 50,000 |
| Union, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 0 |
| York, Pennsylvania | 1 | $ 89,000 | $ 89,000 | $ 0 |
Mortgage Loan Application Detail Totals for Family First Funding LLC in 2016
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 | 2,602 | $612,862,000 | $235,000 | $2,200,000 | $82,000 | $3,197,000 |
| Refinancing | 661 | $178,571,000 | $270,000 | $1,280,000 | $68,000 | $696,000 |
| Home Improvement | 377 | $103,232,000 | $273,000 | $1,203,000 | $107,000 | $646,000 |
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 | 1,616 | $414,776,000 | $256,000 | $2,200,000 | $103,000 | $3,197,000 |
| Not Provided | 1,092 | $228,540,000 | $209,000 | $1,900,000 | $53,000 | $1,596,000 |
| Hispanic | 548 | $137,887,000 | $251,000 | $625,000 | $72,000 | $960,000 |
| Black or African American | 285 | $75,484,000 | $264,000 | $1,000,000 | $74,000 | $300,000 |
| Asian | 76 | $32,084,000 | $422,000 | $2,000,000 | $147,000 | $840,000 |
| Not applicable | 10 | $2,932,000 | $293,000 | $578,000 | $97,000 | $240,000 |
| American Indian or Alaskan Native | 9 | $2,332,000 | $259,000 | $463,000 | $79,000 | $128,000 |
| Native Hawaiin or Other Pacific Islander | 4 | $630,000 | $157,000 | $324,000 | $55,000 | $73,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,218 | $506,429,000 | $228,000 | $900,000 | $54,000 | $524,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,280 | $354,289,000 | $276,000 | $2,200,000 | $132,000 | $3,197,000 |
| VA-guaranteed (Veterans Administration) | 104 | $27,495,000 | $264,000 | $562,000 | $75,000 | $234,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $6,452,000 | $169,000 | $266,000 | $55,000 | $87,000 |
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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 1,460 | $324,651,000 | $222,000 | $1,900,000 | $64,000 | $1,596,000 |
| Loan Originated | 1,177 | $308,857,000 | $262,000 | $1,440,000 | $93,000 | $1,247,000 |
| Application Withdrawn By Applicant | 488 | $134,080,000 | $274,000 | $2,200,000 | $111,000 | $3,197,000 |
| Application Denied By Financial Institution | 398 | $93,100,000 | $233,000 | $860,000 | $73,000 | $456,000 |
| Application Approved But Not Accepted | 116 | $33,502,000 | $288,000 | $1,725,000 | $105,000 | $840,000 |
| Preapproval Approved but not Accepted | 1 | $475,000 | $475,000 | $475,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 344 | $80,961,000 | $235,000 | $860,000 | $73,000 | $456,000 |
| Debt-To-Income Ratio | 15 | $3,170,000 | $211,000 | $429,000 | $70,000 | $141,000 |
| Credit History | 8 | $1,747,000 | $218,000 | $349,000 | $76,000 | $177,000 |
| Mortgage Insurance Denied | 6 | $1,798,000 | $299,000 | $557,000 | $73,000 | $108,000 |
| Credit Application Incomplete | 5 | $781,000 | $156,000 | $219,000 | $91,000 | $231,000 |
| Employment History | 3 | $693,000 | $231,000 | $285,000 | $55,000 | $62,000 |
| Collateral | 2 | $462,000 | $231,000 | $312,000 | $73,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $376,000 | $376,000 | $376,000 | $130,000 | $130,000 |
| Unverifiable Information | 1 | $152,000 | $152,000 | $152,000 | $39,000 | $39,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Family First Funding LLC's 2016 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 Family First Funding LLC'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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