First American Mortgage, Inc,. Mortgage Lending & HMDA Data, 2006
In 2006, First American Mortgage, Inc,. of Fairfax, VA reported 2,950 mortgage applications totaling $631.6 million, down 33% from 2005. The average application was for $214,105, and applicants reported an average income of $73,625. 83% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,579), Bethesda-Gaithersburg-Frederick, MD (214) and Richmond, VA (165) (applications in parentheses).
| Mortgage Company & Address | First American Mortgage, Inc,. 3926 Pender Drive, 1st Floor Fairfax, VA 22030 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,950 |
| Total Mortgage Loan Application Amount | $631,611,000 |
| Average Mortgage Loan Application Amount | $214,105 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $73,625 |
| Highest Applicant Income | $842,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First American Mortgage, Inc,. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,579 | $ 382,287,000 | $ 242,107 | $ 74,364 |
| Bethesda-Gaithersburg-Frederick, MD | 214 | $ 55,704,000 | $ 260,299 | $ 92,000 |
| Richmond, VA | 165 | $ 19,529,000 | $ 118,357 | $ 51,000 |
| Baltimore-Towson, MD | 146 | $ 23,769,000 | $ 162,801 | $ 83,000 |
| Atlanta-Sandy Springs-Marietta, GA | 58 | $ 8,385,000 | $ 144,568 | $ 57,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 58 | $ 8,862,000 | $ 152,793 | $ 46,000 |
| Philadelphia, PA | 47 | $ 7,103,000 | $ 151,127 | $ 59,000 |
| Charlottesville, VA | 32 | $ 7,203,000 | $ 225,093 | $ 89,000 |
| Boston-Quincy, MA | 27 | $ 6,175,000 | $ 228,703 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 27 | $ 4,687,000 | $ 173,592 | $ 73,074 |
| Orlando-Kissimmee, FL | 26 | $ 5,111,000 | $ 196,576 | $ 122,000 |
| Winchester, VA-WV | 26 | $ 5,117,000 | $ 196,807 | $ 84,153 |
| Springfield, MA | 25 | $ 3,145,000 | $ 125,800 | $ 57,000 |
| Pittsburgh, PA | 22 | $ 2,922,000 | $ 132,818 | $ 67,000 |
| Miami-Miami Beach-Kendall, FL | 20 | $ 4,165,000 | $ 208,250 | $ 108,000 |
| Wilmington, DE-MD-NJ | 19 | $ 3,541,000 | $ 186,368 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 2,411,000 | $ 141,823 | $ 43,000 |
| Jacksonville, FL | 16 | $ 2,451,000 | $ 153,187 | $ 58,000 |
| Worcester, MA | 15 | $ 3,003,000 | $ 200,200 | $ 68,000 |
| Cambridge-Newton-Framingham, MA | 14 | $ 3,924,000 | $ 280,285 | $ 96,000 |
| New Haven-Milford, CT | 14 | $ 2,023,000 | $ 144,500 | $ 49,000 |
| Providence-New Bedford-Fall River, RI-MA | 12 | $ 2,427,000 | $ 202,250 | $ 52,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 11 | $ 1,772,000 | $ 161,090 | $ 55,000 |
| Essex County, MA | 10 | $ 2,673,000 | $ 267,300 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 2,190,000 | $ 219,000 | $ 98,000 |
| Harrisburg-Carlisle, PA | 10 | $ 1,095,000 | $ 109,500 | $ 60,000 |
| Hartford-West Hartford-East Hartford, CT | 10 | $ 1,659,000 | $ 165,900 | $ 62,000 |
| Nashville-Davidson--Murfreesboro, TN | 9 | $ 1,119,000 | $ 124,333 | $ 45,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 8 | $ 1,802,000 | $ 225,250 | $ 61,000 |
| York-Hanover, PA | 8 | $ 1,603,000 | $ 200,375 | $ 72,000 |
| Cumberland, MD-WV | 7 | $ 753,000 | $ 107,571 | $ 92,857 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,118,000 | $ 186,333 | $ 92,000 |
| Charlotte-Gastonia-Concord, NC-SC | 6 | $ 792,000 | $ 132,000 | $ 37,666 |
| Dover, DE | 6 | $ 648,000 | $ 108,000 | $ 76,000 |
| Roanoke, VA | 6 | $ 538,000 | $ 89,666 | $ 55,000 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 833,000 | $ 166,600 | $ 44,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 890,000 | $ 222,500 | $ 96,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 492,000 | $ 123,000 | $ 6,000 |
| Lakeland, FL | 4 | $ 614,000 | $ 153,500 | $ 79,000 |
| Lancaster, PA | 4 | $ 465,000 | $ 116,250 | $ 75,000 |
| Norwich-New London, CT | 4 | $ 496,000 | $ 124,000 | $ 60,000 |
| Panama City-Lynn Haven, FL | 4 | $ 745,000 | $ 186,250 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 759,000 | $ 189,750 | $ 38,000 |
| Reading, PA | 4 | $ 411,000 | $ 102,750 | $ 40,000 |
| Salisbury, MD | 4 | $ 553,000 | $ 138,250 | $ 33,000 |
| State College, PA | 4 | $ 510,000 | $ 127,500 | $ 107,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 537,000 | $ 134,250 | $ 71,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 936,000 | $ 312,000 | $ 239,000 |
| Clarksville, TN-KY | 3 | $ 253,000 | $ 84,333 | $ 53,000 |
| Denver-Aurora, CO | 3 | $ 760,000 | $ 253,333 | $ 69,000 |
| Greenville, SC | 3 | $ 333,000 | $ 111,000 | $ 22,000 |
| Honolulu, HI | 3 | $ 1,337,000 | $ 445,666 | $ 137,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 327,000 | $ 109,000 | $ 80,000 |
| Lynchburg, VA | 3 | $ 359,000 | $ 119,666 | $ 26,000 |
| Memphis, TN-MS-AR | 3 | $ 501,000 | $ 167,000 | $ 94,000 |
| Newark-Union, NJ-PA | 3 | $ 389,000 | $ 129,666 | $ 53,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 906,000 | $ 302,000 | $ 47,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 531,000 | $ 177,000 | $ 41,000 |
| Anchorage, AK | 2 | $ 227,000 | $ 113,500 | $ 0 |
| Athens-Clarke County, GA | 2 | $ 133,000 | $ 66,500 | $ 72,000 |
| Boulder, CO | 2 | $ 1,125,000 | $ 562,500 | $ 377,000 |
| Chattanooga, TN-GA | 2 | $ 232,000 | $ 116,000 | $ 44,000 |
| Colorado Springs, CO | 2 | $ 201,000 | $ 100,500 | $ 77,000 |
| Harrisonburg, VA | 2 | $ 401,000 | $ 200,500 | $ 60,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 109,000 | $ 54,500 | $ 72,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 738,000 | $ 369,000 | $ 114,000 |
| Niles-Benton Harbor, MI | 2 | $ 120,000 | $ 60,000 | $ 58,000 |
| Ocala, FL | 2 | $ 216,000 | $ 108,000 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 161,000 | $ 80,500 | $ 43,000 |
| Punta Gorda, FL | 2 | $ 355,000 | $ 177,500 | $ 78,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 680,000 | $ 340,000 | $ 41,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 251,000 | $ 125,500 | $ 34,000 |
| Stockton, CA | 2 | $ 495,000 | $ 247,500 | $ 210,000 |
| Sumter, SC | 2 | $ 392,000 | $ 196,000 | $ 48,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 435,000 | $ 217,500 | $ 179,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 112,000 | $ 112,000 | $ 74,000 |
| Bakersfield, CA | 1 | $ 271,000 | $ 271,000 | $ 60,000 |
| Barnstable Town, MA | 1 | $ 207,000 | $ 207,000 | $ 33,000 |
| Bend, OR | 1 | $ 775,000 | $ 775,000 | $ 420,000 |
| Charleston, WV | 1 | $ 62,000 | $ 62,000 | $ 24,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 261,000 | $ 261,000 | $ 98,000 |
| Elkhart-Goshen, IN | 1 | $ 234,000 | $ 234,000 | $ 90,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Fresno, CA | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Gainesville, GA | 1 | $ 143,000 | $ 143,000 | $ 31,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Indianapolis-Carmel, IN | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Jackson, TN | 1 | $ 210,000 | $ 210,000 | $ 74,000 |
| Kalamazoo-Portage, MI | 1 | $ 146,000 | $ 146,000 | $ 56,000 |
| Kansas City, MO-KS | 1 | $ 187,000 | $ 187,000 | $ 75,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 615,000 | $ 615,000 | $ 250,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 169,000 | $ 169,000 | $ 40,000 |
| Raleigh-Cary, NC | 1 | $ 142,000 | $ 142,000 | $ 66,000 |
| Rocky Mount, NC | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 262,000 | $ 262,000 | $ 150,000 |
| Salem, OR | 1 | $ 156,000 | $ 156,000 | $ 81,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 540,000 | $ 540,000 | $ 146,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 690,000 | $ 690,000 | $ 158,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 417,000 | $ 417,000 | $ 114,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 1,068,000 | $ 1,068,000 | $ 342,000 |
| Savannah, GA | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
| Springfield, MO | 1 | $ 190,000 | $ 190,000 | $ 58,000 |
| St. Louis, MO-IL | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| Tallahassee, FL | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 343,000 | $ 343,000 | $ 0 |
| Wilmington, NC | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for First American Mortgage, Inc,. in 2006
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 | 1,516 | $318,111,000 | $209,000 | $3,500,000 | $78,000 | $842,000 |
| Refinancing | 1,434 | $313,500,000 | $218,000 | $1,495,000 | $69,000 | $600,000 |
| Home Improvement | 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 | 994 | $216,610,000 | $217,000 | $1,495,000 | $87,000 | $671,000 |
| Hispanic | 716 | $142,930,000 | $199,000 | $686,000 | $47,000 | $307,000 |
| Not Provided | 658 | $144,025,000 | $218,000 | $1,125,000 | $84,000 | $842,000 |
| Black or African American | 524 | $111,933,000 | $213,000 | $1,000,000 | $75,000 | $360,000 |
| Asian | 50 | $14,613,000 | $292,000 | $3,500,000 | $73,000 | $300,000 |
| American Indian or Alaskan Native | 5 | $1,150,000 | $230,000 | $337,000 | $86,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $350,000 | $116,000 | $228,000 | $102,000 | $184,000 |
| 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) | 2,896 | $621,305,000 | $214,000 | $3,500,000 | $74,000 | $842,000 |
| FHA-insured (Federal Housing Administration) | 43 | $7,645,000 | $177,000 | $354,000 | $58,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,661,000 | $241,000 | $358,000 | $65,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,436 | $517,743,000 | $212,000 | $1,495,000 | $74,000 | $842,000 |
| Application Denied By Financial Institution | 342 | $74,916,000 | $219,000 | $3,500,000 | $69,000 | $480,000 |
| Application Withdrawn By Applicant | 151 | $33,737,000 | $223,000 | $823,000 | $82,000 | $360,000 |
| Application Approved But Not Accepted | 17 | $4,380,000 | $257,000 | $685,000 | $101,000 | $528,000 |
| File Closed For Incompleteness | 4 | $835,000 | $208,000 | $417,000 | $49,000 | $116,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 101 | $19,181,000 | $189,000 | $585,000 | $66,000 | $360,000 |
| Credit Application Incomplete | 83 | $17,979,000 | $216,000 | $600,000 | $69,000 | $480,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $5,190,000 | $199,000 | $535,000 | $61,000 | $129,000 |
| Credit History | 23 | $5,057,000 | $219,000 | $524,000 | $61,000 | $142,000 |
| Collateral | 9 | $1,689,000 | $187,000 | $404,000 | $78,000 | $179,000 |
| Employment History | 7 | $1,482,000 | $211,000 | $373,000 | $79,000 | $221,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First American Mortgage, Inc,.'s 2006 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 First American Mortgage, Inc,.'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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