Family First Funding LLC Mortgage Lending & HMDA Data, 2021
In 2021, Family First Funding LLC of Toms River, NJ reported 8,398 mortgage applications totaling $3.0 billion, up 13% from 2020. The average application was for $355,929, and applicants reported an average income of $135,670. 68% of its applications resulted in an originated loan and 17% were denied. Its largest markets were New York-Newark, NY (2,314), Newark, NJ-PA (1,852) and New York-Jersey City-White Plains, NY-NJ (1,464) (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 | 8,398 |
| Total Mortgage Loan Application Amount | $2,989,100,000 |
| Average Mortgage Loan Application Amount | $355,929 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $135,670 |
| Highest Applicant Income | $9,583,000 |
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(HMDA) records Family First Funding LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Newark, NY | 2,314 | $ 779,970,000 | $ 337,065 | $ 128,557 |
| Newark, NJ-PA | 1,852 | $ 635,810,000 | $ 343,309 | $ 135,008 |
| New York-Jersey City-White Plains, NY-NJ | 1,464 | $ 687,510,000 | $ 469,610 | $ 157,000 |
| Nassau County-Suffolk County, NY | 448 | $ 215,390,000 | $ 480,781 | $ 155,000 |
| Camden, NJ | 248 | $ 60,080,000 | $ 242,258 | $ 89,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 210 | $ 54,610,000 | $ 260,047 | $ 106,800 |
| Charleston-North Charleston, SC | 116 | $ 33,790,000 | $ 291,293 | $ 93,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 113 | $ 42,705,000 | $ 377,920 | $ 149,000 |
| Outside any metro area | 107 | $ 30,895,000 | $ 288,738 | $ 144,691 |
| Trenton, NJ | 107 | $ 27,685,000 | $ 258,738 | $ 121,000 |
| Lebanon, PA | 89 | $ 15,305,000 | $ 171,966 | $ 59,000 |
| Orlando-Kissimmee-Sanford, FL | 79 | $ 21,995,000 | $ 278,417 | $ 95,000 |
| Hickory-Lenoir-Morganton, NC | 71 | $ 12,955,000 | $ 182,464 | $ 68,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 70 | $ 25,830,000 | $ 369,000 | $ 211,000 |
| Atlantic City-Hammonton, NJ | 63 | $ 15,255,000 | $ 242,142 | $ 102,000 |
| Miami-Miami Beach-Kendall, FL | 63 | $ 25,705,000 | $ 408,015 | $ 119,000 |
| Atlanta-Sandy Springs-Roswell, GA | 59 | $ 16,495,000 | $ 279,576 | $ 250,000 |
| Tampa-St. Petersburg-Clearwater, FL | 57 | $ 23,575,000 | $ 413,596 | $ 102,000 |
| North Port-Sarasota-Bradenton, FL | 45 | $ 16,145,000 | $ 358,777 | $ 123,000 |
| Philadelphia, PA | 39 | $ 9,485,000 | $ 243,205 | $ 291,000 |
| Bridgeport-Stamford-Norwalk, CT | 36 | $ 12,640,000 | $ 351,111 | $ 131,000 |
| Lakeland-Winter Haven, FL | 34 | $ 7,820,000 | $ 230,000 | $ 145,000 |
| East Stroudsburg, PA | 29 | $ 5,855,000 | $ 201,896 | $ 85,000 |
| Baltimore-Columbia-Towson, MD | 28 | $ 9,590,000 | $ 342,500 | $ 342,000 |
| Charlotte-Concord-Gastonia, NC-SC | 28 | $ 5,490,000 | $ 196,071 | $ 110,821 |
| Montgomery County-Bucks County-Chester County, PA | 27 | $ 8,935,000 | $ 330,925 | $ 130,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 27 | $ 6,455,000 | $ 239,074 | $ 104,037 |
| Ocean City, NJ | 25 | $ 8,975,000 | $ 359,000 | $ 148,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 24 | $ 4,640,000 | $ 193,333 | $ 85,000 |
| Port St. Lucie, FL | 23 | $ 7,335,000 | $ 318,913 | $ 111,000 |
| Harrisburg-Carlisle, PA | 22 | $ 4,510,000 | $ 205,000 | $ 87,000 |
| Vineland-Bridgeton, NJ | 20 | $ 4,480,000 | $ 224,000 | $ 80,000 |
| New Haven-Milford, CT | 17 | $ 4,895,000 | $ 287,941 | $ 115,000 |
| Columbia, SC | 15 | $ 3,015,000 | $ 201,000 | $ 59,000 |
| Hartford-West Hartford-East Hartford, CT | 15 | $ 2,885,000 | $ 192,333 | $ 156,000 |
| Houston-The Woodlands-Sugar Land, TX | 15 | $ 5,965,000 | $ 397,666 | $ 153,000 |
| Washington-Baltimore-Arlington, DC | 15 | $ 6,035,000 | $ 402,333 | $ 139,000 |
| Wilmington, DE-MD-NJ | 14 | $ 2,970,000 | $ 212,142 | $ 67,714 |
| York-Hanover, PA | 14 | $ 2,900,000 | $ 207,142 | $ 111,000 |
| Naples-Immokalee-Marco Island, FL | 13 | $ 4,695,000 | $ 361,153 | $ 309,000 |
| Albany-Schenectady-Troy, NY | 12 | $ 2,970,000 | $ 247,500 | $ 115,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 3,070,000 | $ 255,833 | $ 117,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 3,370,000 | $ 280,833 | $ 102,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 6,230,000 | $ 519,166 | $ 159,666 |
| Pittsburgh, PA | 11 | $ 2,945,000 | $ 267,727 | $ 110,000 |
| Springfield, MA | 11 | $ 2,335,000 | $ 212,272 | $ 149,000 |
| Dallas-Plano-Irving, TX | 10 | $ 5,120,000 | $ 512,000 | $ 117,000 |
| Asheville, NC | 9 | $ 5,715,000 | $ 635,000 | $ 253,000 |
| Jacksonville, FL | 9 | $ 2,685,000 | $ 298,333 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 5,125,000 | $ 569,444 | $ 246,000 |
| Ocala, FL | 9 | $ 1,515,000 | $ 168,333 | $ 47,000 |
| Kingston, NY | 8 | $ 1,860,000 | $ 232,500 | $ 80,000 |
| Providence-Warwick, RI-MA | 8 | $ 2,350,000 | $ 293,750 | $ 193,625 |
| Raleigh, NC | 8 | $ 2,180,000 | $ 272,500 | $ 124,000 |
| Gainesville, FL | 7 | $ 1,825,000 | $ 260,714 | $ 126,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 1,435,000 | $ 205,000 | $ 71,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 7 | $ 2,065,000 | $ 295,000 | $ 164,000 |
| Punta Gorda, FL | 7 | $ 2,015,000 | $ 287,857 | $ 93,000 |
| Reading, PA | 7 | $ 1,585,000 | $ 226,428 | $ 65,000 |
| Boston, MA | 6 | $ 2,620,000 | $ 436,666 | $ 240,000 |
| Lancaster, PA | 6 | $ 1,330,000 | $ 221,666 | $ 105,000 |
| Austin-Round Rock, TX | 5 | $ 5,205,000 | $ 1,041,000 | $ 342,000 |
| Cleveland-Elyria, OH | 5 | $ 1,565,000 | $ 313,000 | $ 112,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 545,000 | $ 109,000 | $ 261,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,215,000 | $ 443,000 | $ 171,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 2,125,000 | $ 425,000 | $ 84,000 |
| Rochester, NY | 5 | $ 955,000 | $ 191,000 | $ 103,000 |
| Savannah, GA | 5 | $ 1,405,000 | $ 281,000 | $ 165,000 |
| Spartanburg, SC | 5 | $ 1,285,000 | $ 257,000 | $ 74,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 2,760,000 | $ 690,000 | $ 124,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 730,000 | $ 182,500 | $ 126,000 |
| Charlottesville, VA | 4 | $ 1,610,000 | $ 402,500 | $ 208,000 |
| The Villages, FL | 4 | $ 1,460,000 | $ 365,000 | $ 225,000 |
| Winston-Salem, NC | 4 | $ 610,000 | $ 152,500 | $ 40,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,565,000 | $ 521,666 | $ 169,000 |
| Fayetteville, NC | 3 | $ 845,000 | $ 281,666 | $ 63,000 |
| Greensboro-High Point, NC | 3 | $ 545,000 | $ 181,666 | $ 60,000 |
| Memphis, TN-MS-AR | 3 | $ 865,000 | $ 288,333 | $ 136,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 965,000 | $ 321,666 | $ 71,000 |
| Richmond, VA | 3 | $ 1,145,000 | $ 381,666 | $ 149,000 |
| San Diego-Carlsbad, CA | 3 | $ 2,325,000 | $ 775,000 | $ 171,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,585,000 | $ 528,333 | $ 306,000 |
| Worcester, MA-CT | 3 | $ 1,185,000 | $ 395,000 | $ 129,000 |
| Binghamton, NY | 2 | $ 320,000 | $ 160,000 | $ 78,000 |
| Columbus, OH | 2 | $ 530,000 | $ 265,000 | $ 128,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 850,000 | $ 425,000 | $ 90,000 |
| Dover, DE | 2 | $ 340,000 | $ 170,000 | $ 113,000 |
| Durham-Chapel Hill, NC | 2 | $ 360,000 | $ 180,000 | $ 243,000 |
| Elmira, NY | 2 | $ 150,000 | $ 75,000 | $ 229,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 510,000 | $ 255,000 | $ 75,000 |
| Lynchburg, VA | 2 | $ 570,000 | $ 285,000 | $ 50,000 |
| Manchester-Nashua, NH | 2 | $ 590,000 | $ 295,000 | $ 139,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 390,000 | $ 195,000 | $ 137,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,150,000 | $ 575,000 | $ 200,000 |
| Salisbury, MD-DE | 2 | $ 780,000 | $ 390,000 | $ 76,000 |
| San Antonio-New Braunfels, TX | 2 | $ 950,000 | $ 475,000 | $ 30,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,760,000 | $ 880,000 | $ 375,000 |
| Sebastian-Vero Beach, FL | 2 | $ 440,000 | $ 220,000 | $ 71,000 |
| Sumter, SC | 2 | $ 660,000 | $ 330,000 | $ 93,000 |
| Vallejo-Fairfield, CA | 2 | $ 770,000 | $ 385,000 | $ 22,000 |
| Wilmington, NC | 2 | $ 590,000 | $ 295,000 | $ 40,000 |
| Akron, OH | 1 | $ 375,000 | $ 375,000 | $ 117,000 |
| Barnstable Town, MA | 1 | $ 685,000 | $ 685,000 | $ 349,000 |
| Birmingham-Hoover, AL | 1 | $ 325,000 | $ 325,000 | $ 128,000 |
| Bloomsburg-Berwick, PA | 1 | $ 255,000 | $ 255,000 | $ 42,000 |
| Boulder, CO | 1 | $ 1,055,000 | $ 1,055,000 | $ 272,000 |
| Canton-Massillon, OH | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Decatur, AL | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Fort Worth-Arlington, TX | 1 | $ 295,000 | $ 295,000 | $ 139,000 |
| Gettysburg, PA | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Glens Falls, NY | 1 | $ 255,000 | $ 255,000 | $ 142,000 |
| Greenville, NC | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Harrisonburg, VA | 1 | $ 485,000 | $ 485,000 | $ 549,000 |
| Hinesville, GA | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Homosassa Springs, FL | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| Johnson City, TN | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Madison, WI | 1 | $ 295,000 | $ 295,000 | $ 135,000 |
| Monroe, LA | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 1,465,000 | $ 1,465,000 | $ 350,000 |
| Odessa, TX | 1 | $ 175,000 | $ 175,000 | $ 469,000 |
| Oklahoma City, OK | 1 | $ 275,000 | $ 275,000 | $ 274,000 |
| Olympia-Tumwater, WA | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Pittsfield, MA | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Rocky Mount, NC | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Salinas, CA | 1 | $ 365,000 | $ 365,000 | $ 151,000 |
| San Rafael, CA | 1 | $ 2,005,000 | $ 2,005,000 | $ 529,000 |
| Tallahassee, FL | 1 | $ 215,000 | $ 215,000 | $ 606,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Warner Robins, GA | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Watertown-Fort Drum, NY | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Yakima, WA | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 285,000 | $ 285,000 | $ 195,000 |
Mortgage Loan Application Detail Totals for Family First Funding LLC in 2021
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 | 4,616 | $1,696,320,000 | $367,000 | $10,005,000 | $130,000 | $9,583,000 |
| Refinancing | 2,183 | $754,185,000 | $345,000 | $8,035,000 | $144,000 | $1,949,000 |
| Cash-out Refinancing | 1,523 | $515,755,000 | $338,000 | $3,505,000 | $141,000 | $1,949,000 |
| Home Improvement | 76 | $22,840,000 | $300,000 | $655,000 | $134,000 | $412,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 4,089 | $1,459,075,000 | $356,000 | $5,005,000 | $141,000 | $9,583,000 |
| White | 2,976 | $1,059,070,000 | $355,000 | $10,005,000 | $139,000 | $3,300,000 |
| Hispanic | 683 | $236,325,000 | $346,000 | $1,055,000 | $99,000 | $1,824,000 |
| Black or African American | 482 | $163,580,000 | $339,000 | $2,005,000 | $110,000 | $1,502,000 |
| Asian | 126 | $53,100,000 | $421,000 | $3,005,000 | $155,000 | $643,000 |
| American Indian or Alaskan Native | 15 | $5,335,000 | $355,000 | $505,000 | $148,000 | $352,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,490,000 | $372,000 | $765,000 | $111,000 | $195,000 |
| 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) | 6,289 | $2,286,665,000 | $363,000 | $10,005,000 | $150,000 | $9,583,000 |
| FHA-insured (Federal Housing Administration) | 1,881 | $620,045,000 | $329,000 | $1,495,000 | $92,000 | $7,461,000 |
| VA-guaranteed (Veterans Administration) | 193 | $75,045,000 | $388,000 | $1,055,000 | $91,000 | $399,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $7,345,000 | $209,000 | $415,000 | $59,000 | $100,000 |
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 | 5,736 | $1,956,040,000 | $341,000 | $5,005,000 | $135,000 | $9,583,000 |
| Application Denied By Financial Institution | 1,396 | $532,400,000 | $381,000 | $10,005,000 | $135,000 | $3,488,000 |
| Application Withdrawn By Applicant | 897 | $372,985,000 | $415,000 | $5,995,000 | $137,000 | $2,632,000 |
| Application Approved But Not Accepted | 369 | $127,675,000 | $346,000 | $1,385,000 | $144,000 | $4,420,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 7,002 | $2,456,700,000 | $350,000 | $5,995,000 | $136,000 | $9,583,000 |
| Credit Application Incomplete | 696 | $279,840,000 | $402,000 | $8,035,000 | $163,000 | $3,488,000 |
| Collateral | 293 | $112,285,000 | $383,000 | $10,005,000 | $125,000 | $2,827,000 |
| Other | 113 | $41,075,000 | $363,000 | $955,000 | $85,000 | $309,000 |
| Debt-To-Income Ratio | 86 | $29,990,000 | $348,000 | $1,055,000 | $82,000 | $395,000 |
| Credit History | 81 | $24,285,000 | $299,000 | $815,000 | $100,000 | $266,000 |
| Unverifiable Information | 74 | $27,830,000 | $376,000 | $1,805,000 | $103,000 | $679,000 |
| Employment History | 33 | $9,475,000 | $287,000 | $605,000 | $95,000 | $282,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $7,620,000 | $381,000 | $785,000 | $105,000 | $208,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Family First Funding LLC's 2021 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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