Ffc Mortgage Corp. Mortgage Lending & HMDA Data, 2018
In 2018, Ffc Mortgage Corp. of Rochester, NY reported 610 mortgage applications totaling $127.7 million, down 24% from 2017. The average application was for $209,360, and applicants reported an average income of $83,195. 54% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Rochester, NY (101), New York-Jersey City-White Plains, NY-NJ (52) and Dayton, OH (49) (applications in parentheses).
| Mortgage Company & Address | Ffc Mortgage Corp. 155 Corporate Woods Suite 320 Rochester, NY 14623 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 610 |
| Total Mortgage Loan Application Amount | $127,710,000 |
| Average Mortgage Loan Application Amount | $209,360 |
| Highest Mortgage Loan Application Amount | $2,555,000 |
| Average Applicant Income | $83,195 |
| Highest Applicant Income | $2,001,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ffc Mortgage Corp. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Monroe, New York | 50 | $ 8,400,000 | $ 168,000 | $ 92,000 |
| Suffolk, New York | 43 | $ 13,975,000 | $ 325,000 | $ 135,000 |
| Orleans, New York | 42 | $ 4,020,000 | $ 95,714 | $ 63,000 |
| Montgomery, Ohio | 30 | $ 3,680,000 | $ 122,666 | $ 56,000 |
| Guilford, North Carolina | 25 | $ 4,145,000 | $ 165,800 | $ 78,000 |
| Bergen, New Jersey | 17 | $ 5,915,000 | $ 347,941 | $ 119,000 |
| Passaic, New Jersey | 16 | $ 3,990,000 | $ 249,375 | $ 100,000 |
| Cuyahoga, Ohio | 16 | $ 2,350,000 | $ 146,875 | $ 58,000 |
| Los Angeles, California | 13 | $ 8,535,000 | $ 656,538 | $ 147,000 |
| Erie, New York | 11 | $ 1,475,000 | $ 134,090 | $ 64,000 |
| Forsyth, North Carolina | 11 | $ 1,705,000 | $ 155,000 | $ 73,000 |
| Genesee, New York | 10 | $ 1,670,000 | $ 167,000 | $ 94,000 |
| Greene, Ohio | 10 | $ 2,120,000 | $ 212,000 | $ 69,000 |
| Butler, Ohio | 9 | $ 1,535,000 | $ 170,555 | $ 78,000 |
| Miami, Ohio | 9 | $ 1,655,000 | $ 183,888 | $ 72,000 |
| Riverside, California | 8 | $ 2,190,000 | $ 273,750 | $ 83,000 |
| Hillsborough, Florida | 8 | $ 1,660,000 | $ 207,500 | $ 72,000 |
| Clark, Ohio | 7 | $ 785,000 | $ 112,142 | $ 64,000 |
| Chesterfield, Virginia | 6 | $ 1,190,000 | $ 198,333 | $ 55,000 |
| Richmond City, Virginia | 6 | $ 2,240,000 | $ 373,333 | $ 114,000 |
| Essex, New Jersey | 5 | $ 1,305,000 | $ 261,000 | $ 78,000 |
| Hudson, New Jersey | 5 | $ 1,935,000 | $ 387,000 | $ 134,000 |
| Ocean, New Jersey | 5 | $ 1,015,000 | $ 203,000 | $ 51,000 |
| Nassau, New York | 5 | $ 1,175,000 | $ 235,000 | $ 93,000 |
| Wayne, New York | 5 | $ 435,000 | $ 87,000 | $ 53,000 |
| Hamilton, Ohio | 5 | $ 785,000 | $ 157,000 | $ 54,000 |
| San Bernardino, California | 4 | $ 980,000 | $ 245,000 | $ 57,000 |
| Orange, Florida | 4 | $ 690,000 | $ 172,500 | $ 40,000 |
| Pinellas, Florida | 4 | $ 750,000 | $ 187,500 | $ 70,000 |
| Morris, New Jersey | 4 | $ 1,170,000 | $ 292,500 | $ 130,000 |
| Wyoming, New York | 4 | $ 430,000 | $ 107,500 | $ 57,000 |
| Davidson, North Carolina | 4 | $ 640,000 | $ 160,000 | $ 57,000 |
| Mecklenburg, North Carolina | 4 | $ 990,000 | $ 247,500 | $ 101,000 |
| Lake, Ohio | 4 | $ 510,000 | $ 127,500 | $ 85,000 |
| Lorain, Ohio | 4 | $ 300,000 | $ 75,000 | $ 44,000 |
| Orange, California | 3 | $ 1,025,000 | $ 341,666 | $ 50,000 |
| El Paso, Colorado | 3 | $ 645,000 | $ 215,000 | $ 42,000 |
| Weld, Colorado | 3 | $ 565,000 | $ 188,333 | $ 60,000 |
| Polk, Florida | 3 | $ 575,000 | $ 191,666 | $ 77,000 |
| Ontario, New York | 3 | $ 565,000 | $ 188,333 | $ 143,000 |
| Cumberland, North Carolina | 3 | $ 725,000 | $ 241,666 | $ 126,000 |
| Davie, North Carolina | 3 | $ 545,000 | $ 181,666 | $ 55,000 |
| Randolph, North Carolina | 3 | $ 435,000 | $ 145,000 | $ 39,000 |
| Wake, North Carolina | 3 | $ 875,000 | $ 291,666 | $ 72,000 |
| Yadkin, North Carolina | 3 | $ 305,000 | $ 101,666 | $ 61,000 |
| Warren, Ohio | 3 | $ 465,000 | $ 155,000 | $ 109,000 |
| El Dorado, California | 2 | $ 930,000 | $ 465,000 | $ 149,000 |
| Sacramento, California | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| San Diego, California | 2 | $ 840,000 | $ 420,000 | $ 299,000 |
| San Joaquin, California | 2 | $ 310,000 | $ 155,000 | $ 29,000 |
| Ventura, California | 2 | $ 730,000 | $ 365,000 | $ 76,000 |
| Brevard, Florida | 2 | $ 360,000 | $ 180,000 | $ 57,000 |
| Broward, Florida | 2 | $ 490,000 | $ 245,000 | $ 74,000 |
| Charlotte, Florida | 2 | $ 410,000 | $ 205,000 | $ 76,000 |
| Clay, Florida | 2 | $ 320,000 | $ 160,000 | $ 27,000 |
| Escambia, Florida | 2 | $ 380,000 | $ 190,000 | $ 19,000 |
| Osceola, Florida | 2 | $ 480,000 | $ 240,000 | $ 102,000 |
| Santa Rosa, Florida | 2 | $ 380,000 | $ 190,000 | $ 66,000 |
| Atlantic, New Jersey | 2 | $ 570,000 | $ 285,000 | $ 83,000 |
| Camden, New Jersey | 2 | $ 410,000 | $ 205,000 | $ 62,000 |
| Sussex, New Jersey | 2 | $ 530,000 | $ 265,000 | $ 103,000 |
| Union, New Jersey | 2 | $ 560,000 | $ 280,000 | $ 96,000 |
| Niagara, New York | 2 | $ 250,000 | $ 125,000 | $ 104,000 |
| Onondaga, New York | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Queens, New York | 2 | $ 700,000 | $ 350,000 | $ 75,000 |
| Richmond, New York | 2 | $ 500,000 | $ 250,000 | $ 96,000 |
| Rockingham, North Carolina | 2 | $ 260,000 | $ 130,000 | $ 45,000 |
| Darke, Ohio | 2 | $ 210,000 | $ 105,000 | $ 41,000 |
| Pickaway, Ohio | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Shelby, Ohio | 2 | $ 180,000 | $ 90,000 | $ 36,000 |
| Henrico, Virginia | 2 | $ 290,000 | $ 145,000 | $ 34,000 |
| Pittsylvania, Virginia | 2 | $ 280,000 | $ 140,000 | $ 52,000 |
| Kern, California | 1 | $ 135,000 | $ 135,000 | $ 26,000 |
| Santa Clara, California | 1 | $ 445,000 | $ 445,000 | $ 132,000 |
| Garfield, Colorado | 1 | $ 285,000 | $ 285,000 | $ 69,000 |
| Jefferson, Colorado | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Montrose, Colorado | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Pueblo, Colorado | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
| Duval, Florida | 1 | $ 275,000 | $ 275,000 | $ 53,000 |
| Lee, Florida | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
| Sarasota, Florida | 1 | $ 195,000 | $ 195,000 | $ 135,000 |
| Volusia, Florida | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| West Baton Rouge, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Burlington, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Middlesex, New Jersey | 1 | $ 635,000 | $ 635,000 | $ 444,000 |
| Monmouth, New Jersey | 1 | $ 565,000 | $ 565,000 | $ 113,000 |
| Cattaraugus, New York | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Kings, New York | 1 | $ 535,000 | $ 535,000 | $ 162,000 |
| Livingston, New York | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| New York, New York | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Oswego, New York | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Rockland, New York | 1 | $ 305,000 | $ 305,000 | $ 74,000 |
| Seneca, New York | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Ulster, New York | 1 | $ 375,000 | $ 375,000 | $ 141,000 |
| Alamance, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Alexander, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Franklin, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Pitt, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Champaign, Ohio | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Clermont, Ohio | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Clinton, Ohio | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Franklin, Ohio | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Geauga, Ohio | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Pike, Ohio | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Portage, Ohio | 1 | $ 285,000 | $ 285,000 | $ 140,000 |
| Preble, Ohio | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Wayne, Ohio | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Bucks, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Clinton, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Cumberland, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Lehigh, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Davidson, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Charlottesville, Virginia | 1 | $ 285,000 | $ 285,000 | $ 93,000 |
| Culpeper, Virginia | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Gloucester, Virginia | 1 | $ 95,000 | $ 95,000 | $ 13,000 |
| James City, Virginia | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Manassas, Virginia | 1 | $ 305,000 | $ 305,000 | $ 187,000 |
| Norfolk, Virginia | 1 | $ 225,000 | $ 225,000 | $ 131,000 |
| Nottoway, Virginia | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Prince William, Virginia | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Ffc Mortgage Corp. in 2018
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 | 436 | $82,010,000 | $188,000 | $2,475,000 | $83,000 | $2,001,000 |
| Cash-out Refinancing | 131 | $31,595,000 | $241,000 | $2,555,000 | $78,000 | $444,000 |
| Refinancing | 43 | $14,105,000 | $328,000 | $1,575,000 | $101,000 | $442,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 359 | $75,905,000 | $211,000 | $2,555,000 | $86,000 | $442,000 |
| Not Provided | 140 | $26,260,000 | $187,000 | $2,475,000 | $79,000 | $2,001,000 |
| Black or African American | 50 | $9,810,000 | $196,000 | $475,000 | $70,000 | $208,000 |
| Hispanic | 39 | $10,285,000 | $263,000 | $455,000 | $84,000 | $210,000 |
| Asian | 18 | $4,300,000 | $238,000 | $535,000 | $93,000 | $214,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $77,000 | $77,000 |
| Not applicable | 1 | $115,000 | $115,000 | $115,000 | $29,000 | $29,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 285 | $67,345,000 | $236,000 | $2,475,000 | $101,000 | $2,001,000 |
| FHA-insured (Federal Housing Administration) | 238 | $43,910,000 | $184,000 | $635,000 | $70,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 59 | $13,775,000 | $233,000 | $2,555,000 | $73,000 | $393,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $2,680,000 | $95,000 | $215,000 | $40,000 | $78,000 |
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 | 329 | $67,055,000 | $203,000 | $2,555,000 | $84,000 | $442,000 |
| Application Denied By Financial Institution | 124 | $28,580,000 | $230,000 | $1,575,000 | $78,000 | $324,000 |
| Application Withdrawn By Applicant | 97 | $17,485,000 | $180,000 | $635,000 | $68,000 | $444,000 |
| File Closed For Incompleteness | 44 | $10,830,000 | $246,000 | $2,475,000 | $122,000 | $2,001,000 |
| Application Approved But Not Accepted | 13 | $3,125,000 | $240,000 | $475,000 | $103,000 | $242,000 |
| Preapproval Approved but not Accepted | 2 | $500,000 | $250,000 | $315,000 | $113,000 | $119,000 |
| Preapproval Denied by Financial Institution | 1 | $135,000 | $135,000 | $135,000 | $60,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 485 | $98,995,000 | $204,000 | $2,555,000 | $85,000 | $2,001,000 |
| Credit Application Incomplete | 44 | $12,380,000 | $281,000 | $1,565,000 | $91,000 | $324,000 |
| Debt-To-Income Ratio | 27 | $6,655,000 | $246,000 | $1,575,000 | $66,000 | $324,000 |
| Credit History | 20 | $3,580,000 | $179,000 | $355,000 | $69,000 | $214,000 |
| Collateral | 15 | $2,325,000 | $155,000 | $375,000 | $59,000 | $122,000 |
| Other | 9 | $1,935,000 | $215,000 | $365,000 | $71,000 | $118,000 |
| Unverifiable Information | 5 | $1,025,000 | $205,000 | $535,000 | $117,000 | $170,000 |
| Employment History | 3 | $365,000 | $121,000 | $135,000 | $49,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $450,000 | $225,000 | $285,000 | $126,000 | $164,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ffc Mortgage Corp.'s 2018 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 Ffc Mortgage Corp.'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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