First Choice Bank Mortgage Lending & HMDA Data, 2010
In 2010, First Choice Bank of Lawrenceville, NJ reported 3,537 mortgage applications totaling $955.1 million, up 42% from 2009. The average application was for $270,041, and applicants reported an average income of $112,255. 71% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Edison-New Brunswick, NJ (445), New York-White Plains-Wayne, NY-NJ (354) and Newark-Union, NJ-PA (234) (applications in parentheses).
| 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 | 3,537 |
| Total Mortgage Loan Application Amount | $955,136,000 |
| Average Mortgage Loan Application Amount | $270,041 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $112,255 |
| Highest Applicant Income | $4,087,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Choice Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Edison-New Brunswick, NJ | 445 | $ 138,763,000 | $ 311,826 | $ 128,000 |
| New York-White Plains-Wayne, NY-NJ | 354 | $ 140,304,000 | $ 396,338 | $ 158,570 |
| Newark-Union, NJ-PA | 234 | $ 85,499,000 | $ 365,380 | $ 195,709 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 143 | $ 50,926,000 | $ 356,125 | $ 121,769 |
| Pittsburgh, PA | 108 | $ 16,513,000 | $ 152,898 | $ 101,000 |
| Trenton-Ewing, NJ | 98 | $ 23,658,000 | $ 241,408 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 92 | $ 17,489,000 | $ 190,097 | $ 77,000 |
| Philadelphia, PA | 89 | $ 19,322,000 | $ 217,101 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 65 | $ 23,985,000 | $ 369,000 | $ 114,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 59 | $ 10,674,000 | $ 180,915 | $ 68,000 |
| Baltimore-Towson, MD | 51 | $ 13,294,000 | $ 260,666 | $ 143,000 |
| Nassau-Suffolk, NY | 50 | $ 19,217,000 | $ 384,340 | $ 111,000 |
| Atlanta-Sandy Springs-Marietta, GA | 48 | $ 10,596,000 | $ 220,750 | $ 57,000 |
| Camden, NJ | 48 | $ 11,373,000 | $ 236,937 | $ 98,000 |
| San Diego-Carlsbad-San Marcos, CA | 45 | $ 17,119,000 | $ 380,422 | $ 142,000 |
| Bethesda-Rockville-Frederick, MD | 42 | $ 15,521,000 | $ 369,547 | $ 130,000 |
| Chicago-Joliet-Naperville, IL | 40 | $ 9,403,000 | $ 235,075 | $ 93,000 |
| Orlando-Kissimmee-Sanford, FL | 38 | $ 7,132,000 | $ 187,684 | $ 18,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 37 | $ 8,660,000 | $ 234,054 | $ 104,648 |
| Phoenix-Mesa-Glendale, AZ | 37 | $ 7,619,000 | $ 205,918 | $ 48,000 |
| Cambridge-Newton-Framingham, MA | 34 | $ 10,194,000 | $ 299,823 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 33 | $ 5,540,000 | $ 167,878 | $ 104,000 |
| Riverside-San Bernardino-Ontario, CA | 28 | $ 7,386,000 | $ 263,785 | $ 145,000 |
| Santa Ana-Anaheim-Irvine, CA | 28 | $ 9,591,000 | $ 342,535 | $ 154,000 |
| Tampa-St. Petersburg-Clearwater, FL | 28 | $ 5,433,000 | $ 194,035 | $ 33,000 |
| Boston-Quincy, MA | 25 | $ 9,787,000 | $ 391,480 | $ 309,000 |
| York-Hanover, PA | 24 | $ 4,748,000 | $ 197,833 | $ 72,000 |
| Bridgeport-Stamford-Norwalk, CT | 23 | $ 7,857,000 | $ 341,608 | $ 202,000 |
| Richmond, VA | 22 | $ 4,669,000 | $ 212,227 | $ 82,000 |
| Dallas-Plano-Irving, TX | 21 | $ 3,933,000 | $ 187,285 | $ 37,000 |
| Denver-Aurora-Broomfield, CO | 20 | $ 4,649,000 | $ 232,450 | $ 79,000 |
| Hartford-West Hartford-East Hartford, CT | 20 | $ 4,600,000 | $ 230,000 | $ 55,000 |
| Cleveland-Elyria-Mentor, OH | 19 | $ 2,400,000 | $ 126,315 | $ 42,000 |
| Columbus, OH | 19 | $ 2,850,000 | $ 150,000 | $ 29,000 |
| San Francisco-San Mateo-Redwood City, CA | 19 | $ 8,293,000 | $ 436,473 | $ 192,000 |
| Seattle-Bellevue-Everett, WA | 19 | $ 5,422,000 | $ 285,368 | $ 257,000 |
| Erie, PA | 18 | $ 2,483,000 | $ 137,944 | $ 65,000 |
| Jacksonville, FL | 18 | $ 3,426,000 | $ 190,333 | $ 4,000 |
| Lancaster, PA | 17 | $ 2,933,000 | $ 172,529 | $ 38,000 |
| Houston-Sugar Land-Baytown, TX | 16 | $ 3,007,000 | $ 187,937 | $ 47,000 |
| Las Vegas-Paradise, NV | 16 | $ 2,736,000 | $ 171,000 | $ 91,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 16 | $ 3,182,000 | $ 198,875 | $ 36,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 16 | $ 6,912,000 | $ 432,000 | $ 160,000 |
| Austin-Round Rock-San Marcos, TX | 15 | $ 2,411,000 | $ 160,733 | $ 34,000 |
| Oakland-Fremont-Hayward, CA | 15 | $ 5,077,000 | $ 338,466 | $ 118,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 3,414,000 | $ 227,600 | $ 87,533 |
| Raleigh-Cary, NC | 15 | $ 3,279,000 | $ 218,600 | $ 72,000 |
| Warren-Troy-Farmington Hills, MI | 15 | $ 2,522,000 | $ 168,133 | $ 64,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 14 | $ 3,551,000 | $ 253,642 | $ 112,000 |
| Cincinnati-Middletown, OH-KY-IN | 13 | $ 2,337,000 | $ 179,769 | $ 15,230 |
| Fort Worth-Arlington, TX | 13 | $ 2,346,000 | $ 180,461 | $ 32,000 |
| Worcester, MA | 13 | $ 3,328,000 | $ 256,000 | $ 117,000 |
| Harrisburg-Carlisle, PA | 12 | $ 2,265,000 | $ 188,750 | $ 78,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 2,399,000 | $ 199,916 | $ 49,000 |
| New Haven-Milford, CT | 12 | $ 2,549,000 | $ 212,416 | $ 29,000 |
| Providence-New Bedford-Fall River, RI-MA | 12 | $ 2,547,000 | $ 212,250 | $ 88,166 |
| San Antonio-New Braunfels, TX | 11 | $ 1,549,000 | $ 140,818 | $ 25,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 2,154,000 | $ 195,818 | $ 47,727 |
| Wilmington, DE-MD-NJ | 11 | $ 2,617,000 | $ 237,909 | $ 174,181 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 10 | $ 2,295,000 | $ 229,500 | $ 397,000 |
| Colorado Springs, CO | 10 | $ 2,198,000 | $ 219,800 | $ 48,000 |
| Lafayette, LA | 10 | $ 1,676,000 | $ 167,600 | $ 69,000 |
| Montgomery, AL | 10 | $ 1,879,000 | $ 187,900 | $ 64,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 2,817,000 | $ 313,000 | $ 132,000 |
| Tucson, AZ | 9 | $ 1,447,000 | $ 160,777 | $ 55,000 |
| Akron, OH | 8 | $ 1,564,000 | $ 195,500 | $ 4,000 |
| New Orleans-Metairie-Kenner, LA | 8 | $ 1,818,000 | $ 227,250 | $ 127,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 1,248,000 | $ 156,000 | $ 63,000 |
| Dayton, OH | 7 | $ 646,000 | $ 92,285 | $ 40,000 |
| Greenville-Mauldin-Easley, SC | 7 | $ 1,479,000 | $ 211,285 | $ 95,000 |
| Memphis, TN-MS-AR | 7 | $ 901,000 | $ 128,714 | $ 39,285 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 1,043,000 | $ 149,000 | $ 76,000 |
| Ocean City, NJ | 7 | $ 2,073,000 | $ 296,142 | $ 196,000 |
| Punta Gorda, FL | 7 | $ 943,000 | $ 134,714 | $ 48,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,622,000 | $ 231,714 | $ 60,000 |
| Tallahassee, FL | 7 | $ 1,053,000 | $ 150,428 | $ 13,000 |
| Durham-Chapel Hill, NC | 6 | $ 1,394,000 | $ 232,333 | $ 102,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,549,000 | $ 258,166 | $ 72,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,643,000 | $ 273,833 | $ 151,000 |
| Lakeland-Winter Haven, FL | 6 | $ 651,000 | $ 108,500 | $ 28,000 |
| North Port-Bradenton-Sarasota, FL | 6 | $ 1,537,000 | $ 256,166 | $ 73,000 |
| Reno-Sparks, NV | 6 | $ 1,493,000 | $ 248,833 | $ 297,000 |
| Tulsa, OK | 6 | $ 1,538,000 | $ 256,333 | $ 174,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 1,439,000 | $ 287,800 | $ 148,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,136,000 | $ 227,200 | $ 35,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 984,000 | $ 196,800 | $ 35,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 1,021,000 | $ 204,200 | $ 89,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 710,000 | $ 142,000 | $ 70,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 965,000 | $ 193,000 | $ 77,000 |
| Peabody, MA | 5 | $ 1,721,000 | $ 344,200 | $ 202,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 985,000 | $ 197,000 | $ 74,000 |
| Spartanburg, SC | 5 | $ 743,000 | $ 148,600 | $ 40,000 |
| Albuquerque, NM | 4 | $ 876,000 | $ 219,000 | $ 109,000 |
| Ann Arbor, MI | 4 | $ 808,000 | $ 202,000 | $ 62,000 |
| Buffalo-Niagara Falls, NY | 4 | $ 843,000 | $ 210,750 | $ 496,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 686,000 | $ 171,500 | $ 9,000 |
| Charlottesville, VA | 4 | $ 1,060,000 | $ 265,000 | $ 86,000 |
| El Paso, TX | 4 | $ 571,000 | $ 142,750 | $ 28,000 |
| Fayetteville, NC | 4 | $ 620,000 | $ 155,000 | $ 46,000 |
| Kansas City, MO-KS | 4 | $ 1,202,000 | $ 300,500 | $ 297,000 |
| Knoxville, TN | 4 | $ 681,000 | $ 170,250 | $ 30,000 |
| Louisville-Jefferson County, KY-IN | 4 | $ 880,000 | $ 220,000 | $ 30,000 |
| Naples-Marco Island, FL | 4 | $ 1,255,000 | $ 313,750 | $ 135,000 |
| Norwich-New London, CT | 4 | $ 1,020,000 | $ 255,000 | $ 63,000 |
| Palm Coast, FL | 4 | $ 551,000 | $ 137,750 | $ 76,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 897,000 | $ 224,250 | $ 90,000 |
| Shreveport-Bossier City, LA | 4 | $ 606,000 | $ 151,500 | $ 0 |
| St. Louis, MO-IL | 4 | $ 622,000 | $ 155,500 | $ 37,000 |
| Stockton, CA | 4 | $ 1,204,000 | $ 301,000 | $ 118,000 |
| Anderson, SC | 3 | $ 653,000 | $ 217,666 | $ 131,000 |
| Asheville, NC | 3 | $ 673,000 | $ 224,333 | $ 66,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 3,815,000 | $ 1,271,666 | $ 196,000 |
| Barnstable Town, MA | 3 | $ 987,000 | $ 329,000 | $ 151,000 |
| Bend, OR | 3 | $ 679,000 | $ 226,333 | $ 127,000 |
| Birmingham-Hoover, AL | 3 | $ 254,000 | $ 84,666 | $ 44,000 |
| Canton-Massillon, OH | 3 | $ 328,000 | $ 109,333 | $ 49,000 |
| Coeur D'Alene, ID | 3 | $ 379,000 | $ 126,333 | $ 86,000 |
| Eugene-Springfield, OR | 3 | $ 408,000 | $ 136,000 | $ 50,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 421,000 | $ 140,333 | $ 31,000 |
| Flint, MI | 3 | $ 427,000 | $ 142,333 | $ 35,000 |
| Fresno, CA | 3 | $ 554,000 | $ 184,666 | $ 99,000 |
| Gainesville, FL | 3 | $ 609,000 | $ 203,000 | $ 10,000 |
| Lewiston-Auburn, ME | 3 | $ 415,000 | $ 138,333 | $ 29,000 |
| Lexington-Fayette, KY | 3 | $ 573,000 | $ 191,000 | $ 55,000 |
| Modesto, CA | 3 | $ 335,000 | $ 111,666 | $ 51,000 |
| Oklahoma City, OK | 3 | $ 343,000 | $ 114,333 | $ 54,000 |
| Olympia, WA | 3 | $ 649,000 | $ 216,333 | $ 57,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 536,000 | $ 178,666 | $ 0 |
| Port St. Lucie, FL | 3 | $ 690,000 | $ 230,000 | $ 296,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 658,000 | $ 219,333 | $ 65,000 |
| Provo-Orem, UT | 3 | $ 573,000 | $ 191,000 | $ 84,000 |
| Salt Lake City, UT | 3 | $ 404,000 | $ 134,666 | $ 71,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 1,192,000 | $ 397,333 | $ 109,000 |
| Spokane, WA | 3 | $ 312,000 | $ 104,000 | $ 67,000 |
| Syracuse, NY | 3 | $ 367,000 | $ 122,333 | $ 96,000 |
| Tacoma, WA | 3 | $ 390,000 | $ 130,000 | $ 86,000 |
| Vallejo-Fairfield, CA | 3 | $ 802,000 | $ 267,333 | $ 103,000 |
| Wichita, KS | 3 | $ 644,000 | $ 214,666 | $ 16,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 716,000 | $ 238,666 | $ 87,333 |
| Albany, GA | 2 | $ 338,000 | $ 169,000 | $ 0 |
| Appleton, WI | 2 | $ 359,000 | $ 179,500 | $ 54,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 371,000 | $ 185,500 | $ 110,000 |
| Bremerton-Silverdale, WA | 2 | $ 371,000 | $ 185,500 | $ 78,000 |
| Chattanooga, TN-GA | 2 | $ 339,000 | $ 169,500 | $ 0 |
| College Station-Bryan, TX | 2 | $ 257,000 | $ 128,500 | $ 52,000 |
| Columbia, SC | 2 | $ 276,000 | $ 138,000 | $ 123,000 |
| Danville, VA | 2 | $ 404,000 | $ 202,000 | $ 137,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 313,000 | $ 156,500 | $ 30,000 |
| Duluth, MN-WI | 2 | $ 314,000 | $ 157,000 | $ 0 |
| El Centro, CA | 2 | $ 209,000 | $ 104,500 | $ 49,000 |
| Grand Junction, CO | 2 | $ 438,000 | $ 219,000 | $ 45,000 |
| Greeley, CO | 2 | $ 255,000 | $ 127,500 | $ 21,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 281,000 | $ 140,500 | $ 31,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 326,000 | $ 163,000 | $ 25,500 |
| Jackson, MI | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Jackson, MS | 2 | $ 396,000 | $ 198,000 | $ 29,000 |
| Kalamazoo-Portage, MI | 2 | $ 238,000 | $ 119,000 | $ 76,000 |
| Lebanon, PA | 2 | $ 325,000 | $ 162,500 | $ 0 |
| Mansfield, OH | 2 | $ 249,000 | $ 124,500 | $ 78,000 |
| Merced, CA | 2 | $ 275,000 | $ 137,500 | $ 63,000 |
| Midland, TX | 2 | $ 315,000 | $ 157,500 | $ 0 |
| Mobile, AL | 2 | $ 524,000 | $ 262,000 | $ 155,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 754,000 | $ 377,000 | $ 174,000 |
| Reading, PA | 2 | $ 398,000 | $ 199,000 | $ 58,000 |
| Roanoke, VA | 2 | $ 619,000 | $ 309,500 | $ 215,000 |
| Rochester, NY | 2 | $ 149,000 | $ 74,500 | $ 55,000 |
| Salem, OR | 2 | $ 317,000 | $ 158,500 | $ 53,000 |
| Salisbury, MD | 2 | $ 307,000 | $ 153,500 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 855,000 | $ 427,500 | $ 106,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 1,134,000 | $ 567,000 | $ 216,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 522,000 | $ 261,000 | $ 71,000 |
| Savannah, GA | 2 | $ 511,000 | $ 255,500 | $ 110,000 |
| Springfield, MA | 2 | $ 426,000 | $ 213,000 | $ 45,000 |
| State College, PA | 2 | $ 1,297,000 | $ 648,500 | $ 65,000 |
| Wilmington, NC | 2 | $ 631,000 | $ 315,500 | $ 94,000 |
| Amarillo, TX | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Anchorage, AK | 1 | $ 259,000 | $ 259,000 | $ 89,000 |
| Athens-Clarke County, GA | 1 | $ 219,000 | $ 219,000 | $ 350,000 |
| Auburn-Opelika, AL | 1 | $ 179,000 | $ 179,000 | $ 83,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 132,000 | $ 132,000 | $ 79,000 |
| Baton Rouge, LA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 168,000 | $ 168,000 | $ 44,000 |
| Boulder, CO | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Bowling Green, KY | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 151,000 | $ 151,000 | $ 138,000 |
| Burlington-South Burlington, VT | 1 | $ 183,000 | $ 183,000 | $ 18,000 |
| Clarksville, TN-KY | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Cleveland, TN | 1 | $ 46,000 | $ 46,000 | $ 18,000 |
| Columbus, GA-AL | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Dalton, GA | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Decatur, IL | 1 | $ 333,000 | $ 333,000 | $ 134,000 |
| Des Moines-West Des Moines, IA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Dubuque, IA | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Eau Claire, WI | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Florence-Muscle Shoals, AL | 1 | $ 133,000 | $ 133,000 | $ 55,000 |
| Gainesville, GA | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Goldsboro, NC | 1 | $ 129,000 | $ 129,000 | $ 72,000 |
| Greensboro-High Point, NC | 1 | $ 188,000 | $ 188,000 | $ 96,000 |
| Hanford-Corcoran, CA | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 182,000 | $ 182,000 | $ 105,000 |
| Indianapolis-Carmel, IN | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Jacksonville, NC | 1 | $ 142,000 | $ 142,000 | $ 71,000 |
| Johnson City, TN | 1 | $ 151,000 | $ 151,000 | $ 95,000 |
| Johnstown, PA | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Kankakee-Bradley, IL | 1 | $ 186,000 | $ 186,000 | $ 109,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 94,000 | $ 94,000 | $ 77,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Kingston, NY | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Lake Charles, LA | 1 | $ 163,000 | $ 163,000 | $ 83,000 |
| Lansing-East Lansing, MI | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 110,000 | $ 110,000 | $ 52,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Longview, TX | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Madison, WI | 1 | $ 240,000 | $ 240,000 | $ 168,000 |
| Manchester-Nashua, NH | 1 | $ 308,000 | $ 308,000 | $ 85,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 173,000 | $ 173,000 | $ 192,000 |
| Medford, OR | 1 | $ 110,000 | $ 110,000 | $ 41,000 |
| Missoula, MT | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Morgantown, WV | 1 | $ 255,000 | $ 255,000 | $ 53,000 |
| Muskegon-Norton Shores, MI | 1 | $ 63,000 | $ 63,000 | $ 37,000 |
| Napa, CA | 1 | $ 565,000 | $ 565,000 | $ 110,000 |
| Niles-Benton Harbor, MI | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Ocala, FL | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 105,000 | $ 105,000 | $ 784,000 |
| Oshkosh-Neenah, WI | 1 | $ 352,000 | $ 352,000 | $ 786,000 |
| Owensboro, KY | 1 | $ 71,000 | $ 71,000 | $ 54,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Peoria, IL | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Pocatello, ID | 1 | $ 97,000 | $ 97,000 | $ 41,000 |
| Prescott, AZ | 1 | $ 220,000 | $ 220,000 | $ 121,000 |
| Racine, WI | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Rochester, MN | 1 | $ 396,000 | $ 396,000 | $ 63,000 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Rome, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Santa Fe, NM | 1 | $ 234,000 | $ 234,000 | $ 78,000 |
| Sebastian-Vero Beach, FL | 1 | $ 78,000 | $ 78,000 | $ 49,000 |
| Sheboygan, WI | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 120,000 | $ 120,000 | $ 95,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 352,000 | $ 352,000 | $ 197,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 109,000 | $ 109,000 | $ 55,000 |
| Terre Haute, IN | 1 | $ 236,000 | $ 236,000 | $ 152,000 |
| Topeka, KS | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Wausau, WI | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 173,000 | $ 173,000 | $ 34,000 |
| Williamsport, PA | 1 | $ 137,000 | $ 137,000 | $ 75,000 |
| Winchester, VA-WV | 1 | $ 189,000 | $ 189,000 | $ 77,000 |
| Yuba City, CA | 1 | $ 49,000 | $ 49,000 | $ 98,000 |
| Yuma, AZ | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Choice Bank in 2010
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 | 2,453 | $656,383,000 | $267,000 | $2,295,000 | $106,000 | $4,087,000 |
| Home Purchase | 1,077 | $290,030,000 | $269,000 | $2,000,000 | $127,000 | $3,966,000 |
| Home Improvement | 7 | $8,723,000 | $1,246,000 | $4,500,000 | $36,000 | $115,000 |
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 |
|---|---|---|---|---|---|---|
| White | 2,476 | $664,523,000 | $268,000 | $4,500,000 | $114,000 | $4,087,000 |
| Not Provided | 357 | $101,212,000 | $283,000 | $2,000,000 | $132,000 | $2,200,000 |
| Black or African American | 234 | $49,449,000 | $211,000 | $1,750,000 | $101,000 | $3,343,000 |
| Asian | 224 | $76,288,000 | $340,000 | $1,365,000 | $133,000 | $1,059,000 |
| Hispanic | 212 | $46,975,000 | $221,000 | $1,500,000 | $64,000 | $456,000 |
| Not applicable | 20 | $13,376,000 | $668,000 | $3,200,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $1,657,000 | $207,000 | $417,000 | $31,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,656,000 | $276,000 | $404,000 | $40,000 | $102,000 |
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) | 1,808 | $547,804,000 | $302,000 | $4,500,000 | $164,000 | $4,087,000 |
| FHA-insured (Federal Housing Administration) | 1,621 | $379,000,000 | $233,000 | $961,000 | $57,000 | $652,000 |
| VA-guaranteed (Veterans Administration) | 104 | $27,222,000 | $261,000 | $744,000 | $66,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,110,000 | $277,000 | $715,000 | $181,000 | $472,000 |
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 | 2,509 | $664,114,000 | $264,000 | $2,295,000 | $109,000 | $4,087,000 |
| Application Withdrawn By Applicant | 513 | $153,425,000 | $299,000 | $1,500,000 | $138,000 | $3,966,000 |
| Application Denied By Financial Institution | 224 | $55,527,000 | $247,000 | $2,100,000 | $84,000 | $1,135,000 |
| Application Approved But Not Accepted | 163 | $47,596,000 | $292,000 | $4,500,000 | $118,000 | $784,000 |
| File Closed For Incompleteness | 128 | $34,474,000 | $269,000 | $1,327,000 | $124,000 | $1,810,000 |
| 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 | 84 | $23,828,000 | $283,000 | $2,100,000 | $68,000 | $193,000 |
| Collateral | 41 | $10,167,000 | $247,000 | $880,000 | $122,000 | $1,135,000 |
| Credit History | 37 | $6,868,000 | $185,000 | $404,000 | $66,000 | $162,000 |
| Other | 19 | $5,147,000 | $270,000 | $1,050,000 | $111,000 | $552,000 |
| Employment History | 11 | $2,730,000 | $248,000 | $746,000 | $63,000 | $172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,864,000 | $260,000 | $623,000 | $111,000 | $310,000 |
| Unverifiable Information | 10 | $1,629,000 | $162,000 | $293,000 | $67,000 | $122,000 |
| Credit Application Incomplete | 5 | $1,228,000 | $245,000 | $392,000 | $81,000 | $163,000 |
| Mortgage Insurance Denied | 4 | $843,000 | $210,000 | $349,000 | $101,000 | $185,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Choice Bank's 2010 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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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