First Choice Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
First Choice Bank 2014 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Choice Bank 669 Whitehead Road Lawrenceville, NJ 08648 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,139 |
| Total Mortgage Loan Application Amount | $433,404,000 |
| Average Mortgage Loan Application Amount | $396,000 |
| Highest Mortgage Loan Application Amount | $5,200,000 |
| Average Applicant Income | $125,666 |
| Highest Applicant Income | $1,567,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with First Choice Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Choice Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down First Choice Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Choice Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Choice Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Choice Bank's mortgage activity for 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego County California | 198 | $ 77,557,000 | $ 391,000 | $ 136,000 |
| Los Angeles County California | 179 | $ 68,082,000 | $ 380,000 | $ 136,000 |
| Riverside County California | 93 | $ 24,075,000 | $ 258,000 | $ 97,000 |
| San Bernardino County California | 90 | $ 24,963,000 | $ 277,000 | $ 114,000 |
| Orange County California | 86 | $ 37,137,000 | $ 431,000 | $ 136,000 |
| Sacramento County California | 40 | $ 11,407,000 | $ 285,000 | $ 107,000 |
| Alameda County California | 37 | $ 14,394,000 | $ 389,000 | $ 127,000 |
| Santa Clara County California | 36 | $ 17,281,000 | $ 480,000 | $ 156,000 |
| Contra Costa County California | 28 | $ 13,315,000 | $ 475,000 | $ 170,000 |
| San Joaquin County California | 19 | $ 4,997,000 | $ 263,000 | $ 102,000 |
| Solano County California | 17 | $ 4,196,000 | $ 246,000 | $ 105,000 |
| Mercer County New Jersey | 17 | $ 3,811,000 | $ 224,000 | $ 72,000 |
| San Mateo County California | 15 | $ 6,318,000 | $ 421,000 | $ 138,000 |
| Ventura County California | 15 | $ 5,914,000 | $ 394,000 | $ 157,000 |
| San Francisco County California | 14 | $ 5,734,000 | $ 409,000 | $ 117,000 |
| New York County New York | 14 | $ 28,662,000 | $ 2,047,000 | $ 510,000 |
| Butte County California | 12 | $ 3,283,000 | $ 273,000 | $ 76,000 |
| Santa Barbara County California | 11 | $ 4,041,000 | $ 367,000 | $ 107,000 |
| Fresno County California | 10 | $ 2,460,000 | $ 246,000 | $ 130,000 |
| Kern County California | 10 | $ 2,375,000 | $ 237,000 | $ 110,000 |
| Monterey County California | 10 | $ 3,511,000 | $ 351,000 | $ 144,000 |
| San Luis Obispo County California | 9 | $ 3,703,000 | $ 411,000 | $ 148,000 |
| Clark County Nevada | 9 | $ 914,000 | $ 101,000 | $ 163,000 |
| El Dorado County California | 8 | $ 2,759,000 | $ 344,000 | $ 104,000 |
| Suffolk County New York | 8 | $ 6,760,000 | $ 845,000 | $ 224,000 |
| Sonoma County California | 7 | $ 2,461,000 | $ 351,000 | $ 135,000 |
| Humboldt County California | 6 | $ 1,432,000 | $ 238,000 | $ 64,000 |
| Madera County California | 6 | $ 1,163,000 | $ 193,000 | $ 85,000 |
| Marin County California | 6 | $ 2,871,000 | $ 478,000 | $ 131,000 |
| Placer County California | 6 | $ 1,693,000 | $ 282,000 | $ 76,000 |
| Santa Cruz County California | 6 | $ 2,967,000 | $ 494,000 | $ 134,000 |
| Stanislaus County California | 6 | $ 1,552,000 | $ 258,000 | $ 145,000 |
| Yolo County California | 6 | $ 2,097,000 | $ 349,000 | $ 108,000 |
| Philadelphia County Pennsylvania | 6 | $ 6,175,000 | $ 1,029,000 | $ 81,000 |
| Del Norte County California | 5 | $ 871,000 | $ 174,000 | $ 56,000 |
| Burlington County New Jersey | 5 | $ 2,397,000 | $ 479,000 | $ 178,000 |
| Monmouth County New Jersey | 5 | $ 3,932,000 | $ 786,000 | $ 88,000 |
| Mendocino County California | 4 | $ 1,141,000 | $ 285,000 | $ 96,000 |
| Middlesex County New Jersey | 4 | $ 1,264,000 | $ 316,000 | $ 97,000 |
| Mariposa County California | 3 | $ 475,000 | $ 158,000 | $ 48,000 |
| Napa County California | 3 | $ 1,267,000 | $ 422,000 | $ 136,000 |
| Shasta County California | 3 | $ 575,000 | $ 191,000 | $ 88,000 |
| Cook County Illinois | 3 | $ 439,000 | $ 146,000 | $ 103,000 |
| Clackamas County Oregon | 3 | $ 627,000 | $ 209,000 | $ 81,000 |
| Multnomah County Oregon | 3 | $ 822,000 | $ 274,000 | $ 107,000 |
| Maricopa County Arizona | 2 | $ 349,000 | $ 174,000 | $ 42,000 |
| Kings County California | 2 | $ 432,000 | $ 216,000 | $ 109,000 |
| Merced County California | 2 | $ 363,000 | $ 181,000 | $ 64,000 |
| San Benito County California | 2 | $ 834,000 | $ 417,000 | $ 110,000 |
| Sutter County California | 2 | $ 340,000 | $ 170,000 | $ 71,000 |
| Pueblo County Colorado | 2 | $ 203,000 | $ 101,000 | $ 98,000 |
| Fairfield County Connecticut | 2 | $ 6,500,000 | $ 3,250,000 | $ 176,000 |
| Cape May County New Jersey | 2 | $ 335,000 | $ 167,000 | $ 163,000 |
| Salem County New Jersey | 2 | $ 275,000 | $ 137,000 | $ 0 |
| Curry County New Mexico | 2 | $ 363,000 | $ 181,000 | $ 111,000 |
| Monroe County Pennsylvania | 2 | $ 1,610,000 | $ 805,000 | $ 918,000 |
| Montgomery County Pennsylvania | 2 | $ 1,066,000 | $ 533,000 | $ 69,000 |
| Cameron County Texas | 2 | $ 403,000 | $ 201,000 | $ 56,000 |
| Fort Bend County Texas | 2 | $ 1,000,000 | $ 500,000 | $ 294,000 |
| Tarrant County Texas | 2 | $ 130,000 | $ 65,000 | $ 34,000 |
| Mohave County Arizona | 1 | $ 172,000 | $ 172,000 | $ 245,000 |
| Amador County California | 1 | $ 162,000 | $ 162,000 | $ 46,000 |
| Calaveras County California | 1 | $ 210,000 | $ 210,000 | $ 108,000 |
| Imperial County California | 1 | $ 238,000 | $ 238,000 | $ 97,000 |
| Lake County California | 1 | $ 198,000 | $ 198,000 | $ 65,000 |
| Lassen County California | 1 | $ 104,000 | $ 104,000 | $ 87,000 |
| Tulare County California | 1 | $ 206,000 | $ 206,000 | $ 91,000 |
| Arapahoe County Colorado | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Mesa County Colorado | 1 | $ 261,000 | $ 261,000 | $ 80,000 |
| Fulton County Georgia | 1 | $ 47,000 | $ 47,000 | $ 109,000 |
| DuPage County Illinois | 1 | $ 152,000 | $ 152,000 | $ 103,000 |
| Wayne County Michigan | 1 | $ 41,000 | $ 41,000 | $ 375,000 |
| Jackson County Mississippi | 1 | $ 150,000 | $ 150,000 | $ 109,000 |
| St. Louis County Missouri | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Washoe County Nevada | 1 | $ 221,000 | $ 221,000 | $ 119,000 |
| Union County New Jersey | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Eddy County New Mexico | 1 | $ 69,000 | $ 69,000 | $ 118,000 |
| Stark County Ohio | 1 | $ 109,000 | $ 109,000 | $ 103,000 |
| Rogers County Oklahoma | 1 | $ 194,000 | $ 194,000 | $ 75,000 |
| Baker County Oregon | 1 | $ 270,000 | $ 270,000 | $ 142,000 |
| Jackson County Oregon | 1 | $ 352,000 | $ 352,000 | $ 120,000 |
| Marion County Oregon | 1 | $ 173,000 | $ 173,000 | $ 47,000 |
| Washington County Oregon | 1 | $ 360,000 | $ 360,000 | $ 168,000 |
| Bucks County Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 61,000 |
| Harris County Texas | 1 | $ 120,000 | $ 120,000 | $ 66,000 |
| Travis County Texas | 1 | $ 280,000 | $ 280,000 | $ 86,000 |
| Davis County Utah | 1 | $ 199,000 | $ 199,000 | $ 45,000 |
| Clark County Washington | 1 | $ 191,000 | $ 191,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for First Choice Bank in 2014
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 |
|---|---|---|---|---|---|---|
| Refinancing | 716 | $273,248,000 | $381,000 | $5,200,000 | $132,000 | $1,567,000 |
| Home Purchase | 391 | $146,276,000 | $374,000 | $2,400,000 | $129,000 | $961,000 |
| Home Improvement | 32 | $13,880,000 | $433,000 | $5,200,000 | $116,000 | $1,064,000 |
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 | 523 | $187,881,000 | $359,000 | $1,500,000 | $130,000 | $559,000 |
| White | 382 | $163,911,000 | $429,000 | $5,200,000 | $150,000 | $1,567,000 |
| Hispanic | 101 | $28,710,000 | $284,000 | $1,085,000 | $100,000 | $375,000 |
| Asian | 65 | $22,288,000 | $342,000 | $993,000 | $136,000 | $359,000 |
| Black or African American | 22 | $7,130,000 | $324,000 | $875,000 | $109,000 | $200,000 |
| Not applicable | 21 | $16,476,000 | $784,000 | $3,250,000 | $0 | $0 |
| American Indian or Alaskan Native | 15 | $3,433,000 | $228,000 | $620,000 | $71,000 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $3,575,000 | $357,000 | $616,000 | $113,000 | $199,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 932 | $360,416,000 | $386,000 | $5,200,000 | $138,000 | $1,567,000 |
| VA-guaranteed (Veterans Administration) | 112 | $43,025,000 | $384,000 | $1,114,000 | $100,000 | $292,000 |
| FHA-insured (Federal Housing Administration) | 92 | $29,571,000 | $321,000 | $742,000 | $92,000 | $245,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $392,000 | $130,000 | $153,000 | $40,000 | $44,000 |
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 | 787 | $275,298,000 | $349,000 | $3,850,000 | $125,000 | $1,567,000 |
| Application Withdrawn By Applicant | 220 | $82,385,000 | $374,000 | $2,300,000 | $136,000 | $635,000 |
| Application Approved But Not Accepted | 61 | $27,171,000 | $445,000 | $3,250,000 | $151,000 | $473,000 |
| File Closed For Incompleteness | 37 | $19,143,000 | $517,000 | $3,250,000 | $165,000 | $876,000 |
| Application Denied By Financial Institution | 34 | $29,407,000 | $864,000 | $5,200,000 | $146,000 | $1,064,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $18,558,000 | $1,427,000 | $5,200,000 | $260,000 | $1,064,000 |
| Credit History | 6 | $1,927,000 | $321,000 | $426,000 | $70,000 | $110,000 |
| Collateral | 5 | $3,515,000 | $703,000 | $2,400,000 | $98,000 | $297,000 |
| Other | 3 | $2,271,000 | $757,000 | $1,600,000 | $63,000 | $102,000 |
| Unverifiable Information | 2 | $439,000 | $219,000 | $369,000 | $43,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $533,000 | $533,000 | $533,000 | $148,000 | $148,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Choice Bank's 2014 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 Choice Bank'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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with aggregated HMDA statistics today.