Family First Funding LLC Mortgage Lending & HMDA Data, 2019
In 2019, Family First Funding LLC of Toms River, NJ reported 4,327 mortgage applications totaling $1.3 billion, up 49% from 2018. The average application was for $296,652, and applicants reported an average income of $118,493. 64% of its applications resulted in an originated loan and 4% were denied. Its largest markets were New York-Newark, NY (1,459), Newark, NJ-PA (1,012) and New York-Jersey City-White Plains, NY-NJ (587) (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 | 4,327 |
| Total Mortgage Loan Application Amount | $1,283,615,000 |
| Average Mortgage Loan Application Amount | $296,652 |
| Highest Mortgage Loan Application Amount | $3,705,000 |
| Average Applicant Income | $118,493 |
| Highest Applicant Income | $5,352,000 |
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(HMDA) records Family First Funding LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,459 | $ 405,715,000 | $ 278,077 | $ 115,371 |
| Newark, NJ-PA | 1,012 | $ 284,090,000 | $ 280,721 | $ 116,239 |
| New York-Jersey City-White Plains, NY-NJ | 587 | $ 241,595,000 | $ 411,575 | $ 137,315 |
| Nassau County-Suffolk County, NY | 369 | $ 147,765,000 | $ 400,447 | $ 113,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 102 | $ 22,600,000 | $ 221,568 | $ 85,500 |
| Camden, NJ | 92 | $ 18,320,000 | $ 199,130 | $ 80,000 |
| Outside any metro area | 65 | $ 13,005,000 | $ 200,076 | $ 221,861 |
| Trenton, NJ | 52 | $ 13,040,000 | $ 250,769 | $ 98,000 |
| Hickory-Lenoir-Morganton, NC | 51 | $ 8,575,000 | $ 168,137 | $ 75,000 |
| Charleston-North Charleston, SC | 44 | $ 10,720,000 | $ 243,636 | $ 88,000 |
| Charlotte-Concord-Gastonia, NC-SC | 39 | $ 8,225,000 | $ 210,897 | $ 82,538 |
| Montgomery County-Bucks County-Chester County, PA | 38 | $ 9,270,000 | $ 243,947 | $ 98,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 33 | $ 6,875,000 | $ 208,333 | $ 83,000 |
| Atlantic City-Hammonton, NJ | 31 | $ 5,695,000 | $ 183,709 | $ 66,000 |
| Houston-The Woodlands-Sugar Land, TX | 31 | $ 6,925,000 | $ 223,387 | $ 87,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 29 | $ 6,825,000 | $ 235,344 | $ 98,000 |
| Philadelphia, PA | 27 | $ 5,535,000 | $ 205,000 | $ 98,000 |
| East Stroudsburg, PA | 17 | $ 3,685,000 | $ 216,764 | $ 129,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 3,395,000 | $ 199,705 | $ 71,000 |
| Kingston, NY | 14 | $ 2,370,000 | $ 169,285 | $ 80,000 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 4,930,000 | $ 352,142 | $ 175,000 |
| Port St. Lucie, FL | 12 | $ 2,300,000 | $ 191,666 | $ 81,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 6,265,000 | $ 569,545 | $ 355,000 |
| Ocean City, NJ | 10 | $ 2,340,000 | $ 234,000 | $ 181,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 2,500,000 | $ 250,000 | $ 112,000 |
| Dallas-Plano-Irving, TX | 9 | $ 2,245,000 | $ 249,444 | $ 91,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 2,520,000 | $ 315,000 | $ 105,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 1,965,000 | $ 280,714 | $ 501,000 |
| New Haven-Milford, CT | 6 | $ 1,230,000 | $ 205,000 | $ 104,000 |
| Vineland-Bridgeton, NJ | 6 | $ 850,000 | $ 141,666 | $ 25,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,115,000 | $ 223,000 | $ 96,000 |
| Lebanon, PA | 5 | $ 645,000 | $ 129,000 | $ 71,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,235,000 | $ 247,000 | $ 102,800 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,430,000 | $ 357,500 | $ 139,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 2,650,000 | $ 662,500 | $ 1,350,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 970,000 | $ 242,500 | $ 72,000 |
| Lakeland-Winter Haven, FL | 4 | $ 760,000 | $ 190,000 | $ 78,000 |
| Wilmington, DE-MD-NJ | 4 | $ 720,000 | $ 180,000 | $ 100,750 |
| Albany-Schenectady-Troy, NY | 3 | $ 525,000 | $ 175,000 | $ 128,000 |
| Columbia, SC | 3 | $ 655,000 | $ 218,333 | $ 93,000 |
| Greensboro-High Point, NC | 3 | $ 365,000 | $ 121,666 | $ 44,000 |
| Harrisburg-Carlisle, PA | 3 | $ 315,000 | $ 105,000 | $ 72,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 1,515,000 | $ 505,000 | $ 643,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,135,000 | $ 378,333 | $ 82,000 |
| Providence-Warwick, RI-MA | 3 | $ 865,000 | $ 288,333 | $ 74,000 |
| San Antonio-New Braunfels, TX | 3 | $ 545,000 | $ 181,666 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 815,000 | $ 271,666 | $ 140,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 865,000 | $ 288,333 | $ 111,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 750,000 | $ 375,000 | $ 103,000 |
| Durham-Chapel Hill, NC | 2 | $ 320,000 | $ 160,000 | $ 55,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| Jacksonville, FL | 2 | $ 640,000 | $ 320,000 | $ 136,000 |
| Lancaster, PA | 2 | $ 210,000 | $ 105,000 | $ 25,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,040,000 | $ 520,000 | $ 113,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 520,000 | $ 260,000 | $ 119,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 820,000 | $ 410,000 | $ 114,000 |
| Raleigh, NC | 2 | $ 440,000 | $ 220,000 | $ 77,000 |
| Reading, PA | 2 | $ 480,000 | $ 240,000 | $ 66,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 530,000 | $ 265,000 | $ 73,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,050,000 | $ 525,000 | $ 91,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 550,000 | $ 275,000 | $ 72,000 |
| Syracuse, NY | 2 | $ 450,000 | $ 225,000 | $ 202,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 420,000 | $ 210,000 | $ 48,000 |
| Winston-Salem, NC | 2 | $ 290,000 | $ 145,000 | $ 77,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 145,000 | $ 145,000 | $ 255,000 |
| Austin-Round Rock, TX | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Barnstable Town, MA | 1 | $ 335,000 | $ 335,000 | $ 201,000 |
| Baton Rouge, LA | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Binghamton, NY | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 615,000 | $ 615,000 | $ 127,000 |
| Clarksville, TN-KY | 1 | $ 155,000 | $ 155,000 | $ 104,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 315,000 | $ 315,000 | $ 61,000 |
| Dover, DE | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Gainesville, FL | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| Greeley, CO | 1 | $ 255,000 | $ 255,000 | $ 52,000 |
| Lafayette, LA | 1 | $ 135,000 | $ 135,000 | $ 135,000 |
| Manchester-Nashua, NH | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Norwich-New London, CT | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Ocala, FL | 1 | $ 145,000 | $ 145,000 | $ 31,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 445,000 | $ 445,000 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Pittsburgh, PA | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Punta Gorda, FL | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Savannah, GA | 1 | $ 295,000 | $ 295,000 | $ 59,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Sumter, SC | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Tyler, TX | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Utica-Rome, NY | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Vallejo-Fairfield, CA | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 415,000 | $ 415,000 | $ 103,000 |
| York-Hanover, PA | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Family First Funding LLC in 2019
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 | 3,087 | $886,235,000 | $287,000 | $3,705,000 | $108,000 | $2,298,000 |
| Refinancing | 719 | $226,545,000 | $315,000 | $1,105,000 | $123,000 | $900,000 |
| Cash-out Refinancing | 510 | $166,140,000 | $325,000 | $3,505,000 | $175,000 | $5,352,000 |
| Home Improvement | 11 | $4,695,000 | $426,000 | $1,495,000 | $149,000 | $411,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 2,426 | $698,160,000 | $287,000 | $3,705,000 | $114,000 | $2,298,000 |
| Not Provided | 823 | $253,125,000 | $307,000 | $2,055,000 | $157,000 | $5,352,000 |
| Hispanic | 652 | $201,200,000 | $308,000 | $885,000 | $90,000 | $640,000 |
| Black or African American | 347 | $105,345,000 | $303,000 | $1,205,000 | $98,000 | $483,000 |
| Asian | 73 | $23,625,000 | $323,000 | $805,000 | $128,000 | $423,000 |
| American Indian or Alaskan Native | 5 | $1,945,000 | $389,000 | $1,085,000 | $152,000 | $508,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $110,000 | $110,000 |
| 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) | 2,465 | $740,315,000 | $300,000 | $3,705,000 | $139,000 | $5,352,000 |
| FHA-insured (Federal Housing Administration) | 1,649 | $480,095,000 | $291,000 | $1,205,000 | $90,000 | $731,000 |
| VA-guaranteed (Veterans Administration) | 182 | $56,810,000 | $312,000 | $825,000 | $89,000 | $282,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $6,395,000 | $206,000 | $305,000 | $65,000 | $103,000 |
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 | 2,756 | $799,790,000 | $290,000 | $1,205,000 | $113,000 | $1,468,000 |
| Application Withdrawn By Applicant | 1,045 | $322,475,000 | $308,000 | $3,505,000 | $138,000 | $5,352,000 |
| Application Denied By Financial Institution | 191 | $53,425,000 | $279,000 | $685,000 | $85,000 | $304,000 |
| Application Approved But Not Accepted | 175 | $50,905,000 | $290,000 | $725,000 | $100,000 | $500,000 |
| File Closed For Incompleteness | 160 | $57,020,000 | $356,000 | $3,705,000 | $131,000 | $2,298,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,136 | $1,230,190,000 | $297,000 | $3,705,000 | $120,000 | $5,352,000 |
| Debt-To-Income Ratio | 67 | $19,455,000 | $290,000 | $675,000 | $77,000 | $302,000 |
| Credit History | 45 | $13,075,000 | $290,000 | $685,000 | $89,000 | $228,000 |
| Collateral | 23 | $6,325,000 | $275,000 | $525,000 | $100,000 | $304,000 |
| Other | 19 | $4,975,000 | $261,000 | $475,000 | $79,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $3,270,000 | $272,000 | $505,000 | $70,000 | $109,000 |
| Credit Application Incomplete | 11 | $2,955,000 | $268,000 | $435,000 | $110,000 | $220,000 |
| Employment History | 8 | $1,780,000 | $222,000 | $475,000 | $74,000 | $101,000 |
| Unverifiable Information | 6 | $1,590,000 | $265,000 | $425,000 | $92,000 | $148,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Family First Funding LLC's 2019 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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