Family First Funding LLC Mortgage Lending & HMDA Data, 2015
In 2015, Family First Funding LLC of Toms River, NJ reported 5,292 mortgage applications totaling $1.2 billion. The average application was for $228,212, and applicants reported an average income of $70,326. 16% of its applications resulted in an originated loan and 4% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (1,375), Newark, NJ-PA (658) and East Stroudsburg, PA (148) (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 | 5,292 |
| Total Mortgage Loan Application Amount | $1,207,701,000 |
| Average Mortgage Loan Application Amount | $228,212 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $70,326 |
| Highest Applicant Income | $4,800,000 |
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(HMDA) records Family First Funding LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Jersey City-White Plains, NY-NJ | 1,375 | $ 366,731,000 | $ 266,713 | $ 88,807 |
| Newark, NJ-PA | 658 | $ 175,835,000 | $ 267,226 | $ 76,565 |
| East Stroudsburg, PA | 148 | $ 19,119,000 | $ 129,182 | $ 59,000 |
| Nassau County-Suffolk County, NY | 138 | $ 44,651,000 | $ 323,557 | $ 144,000 |
| Camden, NJ | 126 | $ 24,929,000 | $ 197,849 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 57 | $ 11,410,000 | $ 200,175 | $ 56,350 |
| Atlantic City-Hammonton, NJ | 46 | $ 8,742,000 | $ 190,043 | $ 67,000 |
| Philadelphia, PA | 44 | $ 8,922,000 | $ 202,772 | $ 85,000 |
| Dutchess County-Putnam County, NY | 28 | $ 5,387,000 | $ 192,392 | $ 78,000 |
| Trenton, NJ | 26 | $ 6,115,000 | $ 235,192 | $ 116,000 |
| Harrisburg-Carlisle, PA | 18 | $ 1,884,000 | $ 104,666 | $ 37,000 |
| Montgomery County-Bucks County-Chester County, PA | 16 | $ 3,582,000 | $ 223,875 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 2,163,000 | $ 154,500 | $ 96,000 |
| Vineland-Bridgeton, NJ | 13 | $ 2,384,000 | $ 183,384 | $ 39,000 |
| Kingston, NY | 9 | $ 1,701,000 | $ 189,000 | $ 87,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,567,000 | $ 195,875 | $ 122,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,217,000 | $ 173,857 | $ 52,000 |
| Jacksonville, FL | 5 | $ 758,000 | $ 151,600 | $ 33,000 |
| Lancaster, PA | 5 | $ 1,120,000 | $ 224,000 | $ 69,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,097,000 | $ 274,250 | $ 117,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 802,000 | $ 200,500 | $ 393,000 |
| Ocean City, NJ | 4 | $ 1,733,000 | $ 433,250 | $ 195,000 |
| Pittsburgh, PA | 4 | $ 1,943,000 | $ 485,750 | $ 107,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 495,000 | $ 123,750 | $ 61,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 567,000 | $ 189,000 | $ 53,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,186,000 | $ 395,333 | $ 97,000 |
| Syracuse, NY | 3 | $ 597,000 | $ 199,000 | $ 75,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 430,000 | $ 215,000 | $ 37,000 |
| Lebanon, PA | 2 | $ 414,000 | $ 207,000 | $ 53,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,238,000 | $ 1,238,000 | $ 416,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Gettysburg, PA | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Glens Falls, NY | 1 | $ 210,000 | $ 210,000 | $ 61,000 |
| Lakeland-Winter Haven, FL | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 250,000 | $ 250,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 253,000 | $ 253,000 | $ 98,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 239,000 | $ 239,000 | $ 44,000 |
| Reading, PA | 1 | $ 159,000 | $ 159,000 | $ 66,000 |
| Rochester, NY | 1 | $ 81,000 | $ 81,000 | $ 48,000 |
| Watertown-Fort Drum, NY | 1 | $ 76,000 | $ 76,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Family First Funding LLC in 2015
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 | 3,373 | $738,931,000 | $219,000 | $1,800,000 | $77,000 | $4,800,000 |
| Refinancing | 1,403 | $335,963,000 | $239,000 | $2,000,000 | $43,000 | $1,524,000 |
| Home Improvement | 516 | $132,807,000 | $257,000 | $1,150,000 | $101,000 | $2,112,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 2,524 | $541,552,000 | $214,000 | $1,800,000 | $50,000 | $3,000,000 |
| White | 1,895 | $474,614,000 | $250,000 | $2,000,000 | $98,000 | $4,800,000 |
| Hispanic | 445 | $94,377,000 | $212,000 | $636,000 | $67,000 | $1,500,000 |
| Black or African American | 357 | $78,384,000 | $219,000 | $631,000 | $75,000 | $816,000 |
| Asian | 48 | $13,199,000 | $274,000 | $636,000 | $89,000 | $240,000 |
| Not applicable | 15 | $3,645,000 | $243,000 | $523,000 | $83,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,023,000 | $204,000 | $275,000 | $46,000 | $120,000 |
| American Indian or Alaskan Native | 3 | $907,000 | $302,000 | $463,000 | $152,000 | $192,000 |
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) | 3,398 | $744,101,000 | $218,000 | $1,800,000 | $55,000 | $2,112,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,636 | $411,938,000 | $251,000 | $2,000,000 | $105,000 | $4,800,000 |
| VA-guaranteed (Veterans Administration) | 157 | $35,899,000 | $228,000 | $550,000 | $61,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 101 | $15,763,000 | $156,000 | $305,000 | $53,000 | $731,000 |
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 | 3,302 | $713,440,000 | $216,000 | $1,800,000 | $60,000 | $4,800,000 |
| Application Withdrawn By Applicant | 941 | $235,354,000 | $250,000 | $1,564,000 | $87,000 | $1,500,000 |
| Loan Originated | 841 | $211,398,000 | $251,000 | $2,000,000 | $87,000 | $900,000 |
| Application Denied By Financial Institution | 201 | $46,558,000 | $231,000 | $1,500,000 | $90,000 | $756,000 |
| Application Approved But Not Accepted | 6 | $755,000 | $125,000 | $165,000 | $56,000 | $125,000 |
| Preapproval Denied by Financial Institution | 1 | $196,000 | $196,000 | $196,000 | $52,000 | $52,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 111 | $25,838,000 | $232,000 | $1,500,000 | $85,000 | $756,000 |
| Mortgage Insurance Denied | 44 | $9,757,000 | $221,000 | $413,000 | $78,000 | $358,000 |
| Credit History | 29 | $4,544,000 | $156,000 | $385,000 | $83,000 | $564,000 |
| Collateral | 6 | $2,936,000 | $489,000 | $1,000,000 | $264,000 | $576,000 |
| Credit Application Incomplete | 2 | $275,000 | $137,000 | $142,000 | $65,000 | $70,000 |
| Debt-To-Income Ratio | 2 | $422,000 | $211,000 | $275,000 | $125,000 | $198,000 |
| Employment History | 2 | $1,207,000 | $603,000 | $636,000 | $186,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $212,000 | $212,000 | $212,000 | $58,000 | $58,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Family First Funding LLC's 2015 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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