First Amerrican Mortgage Trust Mortgage Lending & HMDA Data, 2006
In 2006, First Amerrican Mortgage Trust of Brookline, MA reported 537 mortgage applications totaling $67.4 million, up 10% from 2005. The average application was for $125,547, and applicants reported an average income of $53,588. 83% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (29), Albany-Schenectady-Troy, NY (21) and Birmingham-Hoover, AL (20) (applications in parentheses).
| Mortgage Company & Address | First Amerrican Mortgage Trust 56 Harvard Street Brookline, MA 02445 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 537 |
| Total Mortgage Loan Application Amount | $67,419,000 |
| Average Mortgage Loan Application Amount | $125,547 |
| Highest Mortgage Loan Application Amount | $1,890,000 |
| Average Applicant Income | $53,588 |
| Highest Applicant Income | $151,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Amerrican Mortgage Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 29 | $ 3,927,000 | $ 135,413 | $ 60,000 |
| Albany-Schenectady-Troy, NY | 21 | $ 2,469,000 | $ 117,571 | $ 56,000 |
| Birmingham-Hoover, AL | 20 | $ 1,863,000 | $ 93,150 | $ 45,000 |
| Dallas-Plano-Irving, TX | 20 | $ 2,504,000 | $ 125,200 | $ 62,000 |
| Shreveport-Bossier City, LA | 19 | $ 1,996,000 | $ 105,052 | $ 46,000 |
| Chicago-Naperville-Joliet, IL | 17 | $ 2,778,000 | $ 163,411 | $ 65,000 |
| Houston-Sugar Land-Baytown, TX | 15 | $ 1,874,000 | $ 124,933 | $ 64,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 2,853,000 | $ 203,785 | $ 82,000 |
| St. Louis, MO-IL | 13 | $ 1,365,000 | $ 105,000 | $ 50,000 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 1,543,000 | $ 128,583 | $ 54,000 |
| Fort Smith, AR-OK | 8 | $ 679,000 | $ 84,875 | $ 45,750 |
| Richmond, VA | 8 | $ 1,158,000 | $ 144,750 | $ 51,000 |
| Chattanooga, TN-GA | 7 | $ 710,000 | $ 101,428 | $ 49,000 |
| San Antonio, TX | 7 | $ 780,000 | $ 111,428 | $ 46,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 1,784,000 | $ 254,857 | $ 72,857 |
| Baton Rouge, LA | 6 | $ 706,000 | $ 117,666 | $ 53,000 |
| Worcester, MA | 6 | $ 1,362,000 | $ 227,000 | $ 70,000 |
| Columbia, SC | 5 | $ 456,000 | $ 91,200 | $ 39,000 |
| Fort Worth-Arlington, TX | 5 | $ 589,000 | $ 117,800 | $ 44,000 |
| Little Rock-North Little Rock, AR | 5 | $ 515,000 | $ 103,000 | $ 50,000 |
| Pine Bluff, AR | 5 | $ 412,000 | $ 82,400 | $ 51,000 |
| Boston-Quincy, MA | 4 | $ 2,617,000 | $ 654,250 | $ 10,000 |
| Elkhart-Goshen, IN | 4 | $ 486,000 | $ 121,500 | $ 60,000 |
| Kansas City, MO-KS | 4 | $ 416,000 | $ 104,000 | $ 40,000 |
| Lakeland, FL | 4 | $ 338,000 | $ 84,500 | $ 47,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 833,000 | $ 208,250 | $ 53,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 337,000 | $ 112,333 | $ 63,000 |
| Gadsden, AL | 3 | $ 285,000 | $ 95,000 | $ 39,000 |
| Jacksonville, FL | 3 | $ 362,000 | $ 120,666 | $ 33,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 337,000 | $ 112,333 | $ 26,666 |
| Missoula, MT | 3 | $ 433,000 | $ 144,333 | $ 51,000 |
| Mobile, AL | 3 | $ 288,000 | $ 96,000 | $ 44,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 297,000 | $ 99,000 | $ 47,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,080,000 | $ 360,000 | $ 120,000 |
| Ocala, FL | 3 | $ 323,000 | $ 107,666 | $ 39,000 |
| Oklahoma City, OK | 3 | $ 280,000 | $ 93,333 | $ 68,000 |
| Orlando-Kissimmee, FL | 3 | $ 309,000 | $ 103,000 | $ 37,000 |
| Rochester, NY | 3 | $ 322,000 | $ 107,333 | $ 78,000 |
| Tulsa, OK | 3 | $ 278,000 | $ 92,666 | $ 53,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 215,000 | $ 107,500 | $ 58,000 |
| Binghamton, NY | 2 | $ 145,000 | $ 72,500 | $ 58,000 |
| Fayetteville, NC | 2 | $ 179,000 | $ 89,500 | $ 30,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 205,000 | $ 102,500 | $ 63,000 |
| Glens Falls, NY | 2 | $ 225,000 | $ 112,500 | $ 63,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 159,000 | $ 79,500 | $ 31,000 |
| Indianapolis-Carmel, IN | 2 | $ 295,000 | $ 147,500 | $ 90,000 |
| Ithaca, NY | 2 | $ 221,000 | $ 110,500 | $ 48,000 |
| Lawton, OK | 2 | $ 204,000 | $ 102,000 | $ 46,000 |
| Monroe, LA | 2 | $ 247,000 | $ 123,500 | $ 47,000 |
| Montgomery, AL | 2 | $ 227,000 | $ 113,500 | $ 83,000 |
| Niles-Benton Harbor, MI | 2 | $ 186,000 | $ 93,000 | $ 36,000 |
| Philadelphia, PA | 2 | $ 294,000 | $ 147,000 | $ 62,000 |
| Pittsburgh, PA | 2 | $ 152,000 | $ 76,000 | $ 54,000 |
| Rockingham County-Strafford County, NH | 2 | $ 326,000 | $ 163,000 | $ 60,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 257,000 | $ 128,500 | $ 22,000 |
| Springfield, MO | 2 | $ 212,000 | $ 106,000 | $ 96,000 |
| Tyler, TX | 2 | $ 135,000 | $ 67,500 | $ 38,000 |
| Utica-Rome, NY | 2 | $ 157,000 | $ 78,500 | $ 33,000 |
| Waco, TX | 2 | $ 115,000 | $ 57,500 | $ 31,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 203,000 | $ 101,500 | $ 45,000 |
| Akron, OH | 1 | $ 152,000 | $ 152,000 | $ 69,000 |
| Altoona, PA | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Anderson, IN | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Anniston-Oxford, AL | 1 | $ 80,000 | $ 80,000 | $ 66,000 |
| Austin-Round Rock, TX | 1 | $ 92,000 | $ 92,000 | $ 71,000 |
| Bakersfield, CA | 1 | $ 103,000 | $ 103,000 | $ 33,000 |
| Barnstable Town, MA | 1 | $ 178,000 | $ 178,000 | $ 64,000 |
| Battle Creek, MI | 1 | $ 132,000 | $ 132,000 | $ 38,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 56,000 | $ 56,000 | $ 20,000 |
| Brunswick, GA | 1 | $ 127,000 | $ 127,000 | $ 45,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 157,000 | $ 157,000 | $ 55,000 |
| Casper, WY | 1 | $ 159,000 | $ 159,000 | $ 56,000 |
| Cleveland, TN | 1 | $ 114,000 | $ 114,000 | $ 33,000 |
| Corpus Christi, TX | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Dalton, GA | 1 | $ 92,000 | $ 92,000 | $ 45,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 96,000 | $ 96,000 | $ 29,000 |
| Duluth, MN-WI | 1 | $ 184,000 | $ 184,000 | $ 45,000 |
| Essex County, MA | 1 | $ 240,000 | $ 240,000 | $ 106,000 |
| Farmington, NM | 1 | $ 140,000 | $ 140,000 | $ 53,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 118,000 | $ 118,000 | $ 50,000 |
| Gainesville, FL | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Gainesville, GA | 1 | $ 107,000 | $ 107,000 | $ 49,000 |
| Great Falls, MT | 1 | $ 144,000 | $ 144,000 | $ 96,000 |
| Greensboro-High Point, NC | 1 | $ 113,000 | $ 113,000 | $ 31,000 |
| Gulfport-Biloxi, MS | 1 | $ 117,000 | $ 117,000 | $ 54,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Huntsville, AL | 1 | $ 137,000 | $ 137,000 | $ 61,000 |
| Kalamazoo-Portage, MI | 1 | $ 109,000 | $ 109,000 | $ 51,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Lafayette, IN | 1 | $ 160,000 | $ 160,000 | $ 57,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 149,000 | $ 149,000 | $ 67,000 |
| Lewiston-Auburn, ME | 1 | $ 116,000 | $ 116,000 | $ 51,000 |
| Lynchburg, VA | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| Macon, GA | 1 | $ 172,000 | $ 172,000 | $ 80,000 |
| Memphis, TN-MS-AR | 1 | $ 159,000 | $ 159,000 | $ 65,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Modesto, CA | 1 | $ 172,000 | $ 172,000 | $ 46,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 107,000 | $ 107,000 | $ 60,000 |
| New Haven-Milford, CT | 1 | $ 150,000 | $ 150,000 | $ 101,000 |
| Panama City-Lynn Haven, FL | 1 | $ 136,000 | $ 136,000 | $ 45,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 121,000 | $ 121,000 | $ 79,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 262,000 | $ 262,000 | $ 89,000 |
| Reno-Sparks, NV | 1 | $ 132,000 | $ 132,000 | $ 36,000 |
| Rockford, IL | 1 | $ 142,000 | $ 142,000 | $ 57,000 |
| Sandusky, OH | 1 | $ 136,000 | $ 136,000 | $ 61,000 |
| Santa Fe, NM | 1 | $ 147,000 | $ 147,000 | $ 60,000 |
| Savannah, GA | 1 | $ 200,000 | $ 200,000 | $ 91,000 |
| Syracuse, NY | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Tallahassee, FL | 1 | $ 72,000 | $ 72,000 | $ 27,000 |
| Topeka, KS | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Tuscaloosa, AL | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Warner Robins, GA | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 190,000 | $ 190,000 | $ 62,000 |
| Wilmington, DE-MD-NJ | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Winston-Salem, NC | 1 | $ 116,000 | $ 116,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for First Amerrican Mortgage Trust 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 | 316 | $37,297,000 | $118,000 | $389,000 | $54,000 | $151,000 |
| Refinancing | 221 | $30,122,000 | $136,000 | $1,890,000 | $53,000 | $150,000 |
| 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 | 359 | $43,785,000 | $121,000 | $1,890,000 | $53,000 | $151,000 |
| Black or African American | 132 | $16,893,000 | $127,000 | $389,000 | $54,000 | $116,000 |
| Hispanic | 29 | $4,475,000 | $154,000 | $340,000 | $61,000 | $135,000 |
| Not Provided | 8 | $1,218,000 | $152,000 | $362,000 | $56,000 | $135,000 |
| American Indian or Alaskan Native | 5 | $606,000 | $121,000 | $164,000 | $50,000 | $71,000 |
| Asian | 3 | $331,000 | $110,000 | $153,000 | $42,000 | $46,000 |
| Not applicable | 1 | $111,000 | $111,000 | $111,000 | $37,000 | $37,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 533 | $64,871,000 | $121,000 | $389,000 | $54,000 | $151,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4 | $2,548,000 | $637,000 | $1,890,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 445 | $56,997,000 | $128,000 | $1,890,000 | $54,000 | $151,000 |
| Application Withdrawn By Applicant | 68 | $7,524,000 | $110,000 | $246,000 | $49,000 | $104,000 |
| Application Approved But Not Accepted | 18 | $2,033,000 | $112,000 | $201,000 | $57,000 | $114,000 |
| Application Denied By Financial Institution | 6 | $865,000 | $144,000 | $211,000 | $57,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Amerrican Mortgage Trust'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 Amerrican Mortgage Trust'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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