First Choice Bank Mortgage Lending & HMDA Data, 2011
In 2011, First Choice Bank of Lawrenceville, NJ reported 5,434 mortgage applications totaling $1.3 billion, up 54% from 2010. The average application was for $246,643, and applicants reported an average income of $76,612. 46% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (247), Edison-New Brunswick, NJ (231) and New York-White Plains-Wayne, NY-NJ (226) (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 | 5,434 |
| Total Mortgage Loan Application Amount | $1,340,263,000 |
| Average Mortgage Loan Application Amount | $246,643 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $76,612 |
| Highest Applicant Income | $4,599,000 |
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Act (HMDA) records First Choice Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 247 | $ 84,648,000 | $ 342,704 | $ 97,668 |
| Edison-New Brunswick, NJ | 231 | $ 77,268,000 | $ 334,493 | $ 88,000 |
| New York-White Plains-Wayne, NY-NJ | 226 | $ 90,880,000 | $ 402,123 | $ 130,017 |
| Philadelphia, PA | 172 | $ 40,830,000 | $ 237,383 | $ 62,000 |
| Baltimore-Towson, MD | 171 | $ 46,926,000 | $ 274,421 | $ 113,000 |
| Newark-Union, NJ-PA | 154 | $ 46,876,000 | $ 304,389 | $ 103,103 |
| Houston-Sugar Land-Baytown, TX | 147 | $ 28,053,000 | $ 190,836 | $ 67,000 |
| Los Angeles-Long Beach-Glendale, CA | 145 | $ 54,531,000 | $ 376,075 | $ 128,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 128 | $ 23,015,000 | $ 179,804 | $ 47,000 |
| Dallas-Plano-Irving, TX | 124 | $ 24,335,000 | $ 196,250 | $ 72,000 |
| Phoenix-Mesa-Glendale, AZ | 114 | $ 22,520,000 | $ 197,543 | $ 61,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 95 | $ 17,073,000 | $ 179,715 | $ 53,000 |
| Atlanta-Sandy Springs-Marietta, GA | 82 | $ 14,092,000 | $ 171,853 | $ 31,000 |
| Bethesda-Rockville-Frederick, MD | 74 | $ 23,719,000 | $ 320,527 | $ 116,000 |
| Fort Worth-Arlington, TX | 71 | $ 12,483,000 | $ 175,816 | $ 109,000 |
| San Diego-Carlsbad-San Marcos, CA | 68 | $ 25,142,000 | $ 369,735 | $ 116,000 |
| Camden, NJ | 67 | $ 14,199,000 | $ 211,925 | $ 43,000 |
| Boston-Quincy, MA | 66 | $ 22,503,000 | $ 340,954 | $ 115,000 |
| Riverside-San Bernardino-Ontario, CA | 66 | $ 16,167,000 | $ 244,954 | $ 77,000 |
| Trenton-Ewing, NJ | 63 | $ 13,277,000 | $ 210,746 | $ 50,000 |
| Austin-Round Rock-San Marcos, TX | 62 | $ 12,340,000 | $ 199,032 | $ 92,000 |
| San Antonio-New Braunfels, TX | 62 | $ 12,299,000 | $ 198,370 | $ 76,000 |
| Chicago-Joliet-Naperville, IL | 60 | $ 14,877,000 | $ 247,950 | $ 81,000 |
| Cambridge-Newton-Framingham, MA | 55 | $ 17,865,000 | $ 324,818 | $ 126,000 |
| Santa Ana-Anaheim-Irvine, CA | 53 | $ 19,787,000 | $ 373,339 | $ 141,000 |
| Hartford-West Hartford-East Hartford, CT | 51 | $ 11,489,000 | $ 225,274 | $ 89,000 |
| Oakland-Fremont-Hayward, CA | 50 | $ 18,386,000 | $ 367,720 | $ 120,000 |
| Orlando-Kissimmee-Sanford, FL | 49 | $ 8,966,000 | $ 182,979 | $ 28,000 |
| Denver-Aurora-Broomfield, CO | 48 | $ 11,149,000 | $ 232,270 | $ 34,000 |
| Jacksonville, FL | 45 | $ 8,808,000 | $ 195,733 | $ 19,000 |
| Nassau-Suffolk, NY | 42 | $ 19,678,000 | $ 468,523 | $ 130,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 39 | $ 8,289,000 | $ 212,538 | $ 28,256 |
| Bridgeport-Stamford-Norwalk, CT | 37 | $ 14,540,000 | $ 392,972 | $ 150,000 |
| New Haven-Milford, CT | 37 | $ 8,161,000 | $ 220,567 | $ 57,000 |
| Pittsburgh, PA | 36 | $ 6,117,000 | $ 169,916 | $ 83,000 |
| Tampa-St. Petersburg-Clearwater, FL | 35 | $ 5,903,000 | $ 168,657 | $ 22,000 |
| Providence-New Bedford-Fall River, RI-MA | 34 | $ 7,628,000 | $ 224,352 | $ 84,529 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 34 | $ 8,650,000 | $ 254,411 | $ 43,500 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 32 | $ 6,580,000 | $ 205,625 | $ 34,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 32 | $ 7,834,000 | $ 244,812 | $ 93,000 |
| San Francisco-San Mateo-Redwood City, CA | 31 | $ 17,095,000 | $ 551,451 | $ 194,000 |
| Cleveland-Elyria-Mentor, OH | 29 | $ 4,350,000 | $ 150,000 | $ 49,000 |
| Peabody, MA | 29 | $ 7,933,000 | $ 273,551 | $ 121,000 |
| Warren-Troy-Farmington Hills, MI | 29 | $ 5,082,000 | $ 175,241 | $ 34,000 |
| Miami-Miami Beach-Kendall, FL | 28 | $ 5,603,000 | $ 200,107 | $ 47,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 27 | $ 5,053,000 | $ 187,148 | $ 45,666 |
| Wilmington, DE-MD-NJ | 27 | $ 5,794,000 | $ 214,592 | $ 51,185 |
| San Jose-Sunnyvale-Santa Clara, CA | 26 | $ 10,481,000 | $ 403,115 | $ 141,000 |
| Columbus, OH | 25 | $ 4,171,000 | $ 166,840 | $ 28,000 |
| Worcester, MA | 25 | $ 5,317,000 | $ 212,680 | $ 53,000 |
| Seattle-Bellevue-Everett, WA | 24 | $ 9,233,000 | $ 384,708 | $ 129,000 |
| Tucson, AZ | 24 | $ 4,712,000 | $ 196,333 | $ 71,000 |
| New Orleans-Metairie-Kenner, LA | 22 | $ 3,932,000 | $ 178,727 | $ 59,000 |
| Cincinnati-Middletown, OH-KY-IN | 21 | $ 4,072,000 | $ 193,904 | $ 15,285 |
| Richmond, VA | 21 | $ 5,193,000 | $ 247,285 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 19 | $ 3,590,000 | $ 188,947 | $ 36,000 |
| Baton Rouge, LA | 18 | $ 3,371,000 | $ 187,277 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 18 | $ 3,083,000 | $ 171,277 | $ 30,000 |
| Rockingham County-Strafford County, NH | 18 | $ 5,742,000 | $ 319,000 | $ 336,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 17 | $ 4,353,000 | $ 256,058 | $ 52,000 |
| Colorado Springs, CO | 17 | $ 3,745,000 | $ 220,294 | $ 36,000 |
| Detroit-Livonia-Dearborn, MI | 17 | $ 2,849,000 | $ 167,588 | $ 34,000 |
| Raleigh-Cary, NC | 17 | $ 3,561,000 | $ 209,470 | $ 52,000 |
| Harrisburg-Carlisle, PA | 16 | $ 3,419,000 | $ 213,687 | $ 28,000 |
| Oklahoma City, OK | 16 | $ 2,447,000 | $ 152,937 | $ 62,000 |
| Las Vegas-Paradise, NV | 15 | $ 3,008,000 | $ 200,533 | $ 70,000 |
| Memphis, TN-MS-AR | 15 | $ 2,315,000 | $ 154,333 | $ 8,400 |
| St. Louis, MO-IL | 15 | $ 2,733,000 | $ 182,200 | $ 61,800 |
| Anchorage, AK | 14 | $ 3,041,000 | $ 217,214 | $ 80,000 |
| Barnstable Town, MA | 14 | $ 3,396,000 | $ 242,571 | $ 81,000 |
| El Paso, TX | 14 | $ 2,260,000 | $ 161,428 | $ 61,000 |
| Manchester-Nashua, NH | 14 | $ 3,219,000 | $ 229,928 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 5,444,000 | $ 388,857 | $ 125,000 |
| Springfield, MA | 14 | $ 2,481,000 | $ 177,214 | $ 71,000 |
| McAllen-Edinburg-Mission, TX | 13 | $ 1,901,000 | $ 146,230 | $ 80,000 |
| Norwich-New London, CT | 13 | $ 3,036,000 | $ 233,538 | $ 51,000 |
| Kansas City, MO-KS | 12 | $ 1,706,000 | $ 142,166 | $ 47,750 |
| Louisville-Jefferson County, KY-IN | 12 | $ 2,458,000 | $ 204,833 | $ 16,500 |
| Savannah, GA | 12 | $ 2,128,000 | $ 177,333 | $ 32,000 |
| Fayetteville, NC | 11 | $ 2,099,000 | $ 190,818 | $ 63,000 |
| Port St. Lucie, FL | 11 | $ 1,907,000 | $ 173,363 | $ 27,000 |
| York-Hanover, PA | 11 | $ 2,053,000 | $ 186,636 | $ 31,000 |
| Asheville, NC | 10 | $ 2,302,000 | $ 230,200 | $ 46,000 |
| Charleston-North Charleston-Summerville, SC | 10 | $ 2,248,000 | $ 224,800 | $ 50,000 |
| Indianapolis-Carmel, IN | 10 | $ 1,263,000 | $ 126,300 | $ 58,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 2,025,000 | $ 202,500 | $ 79,600 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 2,764,000 | $ 276,400 | $ 86,000 |
| Albany-Schenectady-Troy, NY | 9 | $ 1,736,000 | $ 192,888 | $ 77,000 |
| Chattanooga, TN-GA | 9 | $ 1,266,000 | $ 140,666 | $ 48,888 |
| Dayton, OH | 9 | $ 1,837,000 | $ 204,111 | $ 29,000 |
| Lancaster, PA | 9 | $ 1,756,000 | $ 195,111 | $ 28,000 |
| North Port-Bradenton-Sarasota, FL | 9 | $ 2,018,000 | $ 224,222 | $ 71,000 |
| Prescott, AZ | 9 | $ 1,583,000 | $ 175,888 | $ 50,000 |
| Salinas, CA | 9 | $ 2,366,000 | $ 262,888 | $ 82,000 |
| Salt Lake City, UT | 9 | $ 2,617,000 | $ 290,777 | $ 81,000 |
| Stockton, CA | 9 | $ 1,932,000 | $ 214,666 | $ 60,000 |
| Tacoma, WA | 9 | $ 2,054,000 | $ 228,222 | $ 57,000 |
| Birmingham-Hoover, AL | 8 | $ 1,482,000 | $ 185,250 | $ 33,000 |
| Buffalo-Niagara Falls, NY | 8 | $ 1,249,000 | $ 156,125 | $ 61,000 |
| Burlington-South Burlington, VT | 8 | $ 1,633,000 | $ 204,125 | $ 69,000 |
| Corpus Christi, TX | 8 | $ 1,185,000 | $ 148,125 | $ 30,000 |
| Hagerstown-Martinsburg, MD-WV | 8 | $ 1,431,000 | $ 178,875 | $ 70,625 |
| Jackson, MS | 8 | $ 1,360,000 | $ 170,000 | $ 25,000 |
| Killeen-Temple-Fort Hood, TX | 8 | $ 1,475,000 | $ 184,375 | $ 51,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,245,000 | $ 155,625 | $ 4,000 |
| Ocala, FL | 8 | $ 1,143,000 | $ 142,875 | $ 22,000 |
| Roanoke, VA | 8 | $ 1,271,000 | $ 158,875 | $ 33,000 |
| Vineland-Millville-Bridgeton, NJ | 8 | $ 1,737,000 | $ 217,125 | $ 32,000 |
| Columbia, SC | 7 | $ 1,322,000 | $ 188,857 | $ 24,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 965,000 | $ 137,857 | $ 39,000 |
| Durham-Chapel Hill, NC | 7 | $ 1,078,000 | $ 154,000 | $ 22,000 |
| Lynchburg, VA | 7 | $ 1,108,000 | $ 158,285 | $ 34,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 1,354,000 | $ 193,428 | $ 0 |
| Montgomery, AL | 7 | $ 1,447,000 | $ 206,714 | $ 58,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 1,231,000 | $ 175,857 | $ 61,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,109,000 | $ 158,428 | $ 33,000 |
| Reading, PA | 7 | $ 1,495,000 | $ 213,571 | $ 55,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 1,958,000 | $ 279,714 | $ 95,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 7 | $ 3,051,000 | $ 435,857 | $ 142,000 |
| Santa Rosa-Petaluma, CA | 7 | $ 1,738,000 | $ 248,285 | $ 108,000 |
| Shreveport-Bossier City, LA | 7 | $ 1,392,000 | $ 198,857 | $ 23,000 |
| Akron, OH | 6 | $ 1,135,000 | $ 189,166 | $ 28,000 |
| Albuquerque, NM | 6 | $ 968,000 | $ 161,333 | $ 78,000 |
| Brownsville-Harlingen, TX | 6 | $ 739,000 | $ 123,166 | $ 70,000 |
| Canton-Massillon, OH | 6 | $ 960,000 | $ 160,000 | $ 50,000 |
| Des Moines-West Des Moines, IA | 6 | $ 1,270,000 | $ 211,666 | $ 105,000 |
| Fairbanks, AK | 6 | $ 1,142,000 | $ 190,333 | $ 98,000 |
| Fresno, CA | 6 | $ 1,104,000 | $ 184,000 | $ 101,000 |
| Greeley, CO | 6 | $ 1,087,000 | $ 181,166 | $ 39,000 |
| Greensboro-High Point, NC | 6 | $ 965,000 | $ 160,833 | $ 21,000 |
| Knoxville, TN | 6 | $ 875,000 | $ 145,833 | $ 9,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,499,000 | $ 249,833 | $ 69,500 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 940,000 | $ 156,666 | $ 59,166 |
| Tallahassee, FL | 6 | $ 1,175,000 | $ 195,833 | $ 29,000 |
| Tulsa, OK | 6 | $ 859,000 | $ 143,166 | $ 70,000 |
| Tyler, TX | 6 | $ 1,075,000 | $ 179,166 | $ 69,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,175,000 | $ 195,833 | $ 149,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 894,000 | $ 178,800 | $ 33,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 773,000 | $ 154,600 | $ 56,400 |
| Beaumont-Port Arthur, TX | 5 | $ 796,000 | $ 159,200 | $ 146,000 |
| Dothan, AL | 5 | $ 834,000 | $ 166,800 | $ 80,000 |
| Erie, PA | 5 | $ 715,000 | $ 143,000 | $ 44,000 |
| Flint, MI | 5 | $ 682,000 | $ 136,400 | $ 37,000 |
| Fort Collins-Loveland, CO | 5 | $ 922,000 | $ 184,400 | $ 52,000 |
| Gainesville, FL | 5 | $ 844,000 | $ 168,800 | $ 30,000 |
| Huntsville, AL | 5 | $ 1,103,000 | $ 220,600 | $ 47,000 |
| Kalamazoo-Portage, MI | 5 | $ 748,000 | $ 149,600 | $ 0 |
| Longview, TX | 5 | $ 741,000 | $ 148,200 | $ 50,000 |
| Olympia, WA | 5 | $ 1,245,000 | $ 249,000 | $ 47,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 5 | $ 1,062,000 | $ 212,400 | $ 34,000 |
| Portland-South Portland-Biddeford, ME | 5 | $ 1,054,000 | $ 210,800 | $ 66,000 |
| Redding, CA | 5 | $ 1,253,000 | $ 250,600 | $ 135,000 |
| Salem, OR | 5 | $ 988,000 | $ 197,600 | $ 56,000 |
| Toledo, OH | 5 | $ 956,000 | $ 191,200 | $ 61,000 |
| Wilmington, NC | 5 | $ 1,166,000 | $ 233,200 | $ 50,000 |
| Anniston-Oxford, AL | 4 | $ 958,000 | $ 239,500 | $ 36,000 |
| Bakersfield-Delano, CA | 4 | $ 737,000 | $ 184,250 | $ 104,000 |
| Boulder, CO | 4 | $ 725,000 | $ 181,250 | $ 25,000 |
| Charlottesville, VA | 4 | $ 1,130,000 | $ 282,500 | $ 82,000 |
| Decatur, AL | 4 | $ 746,000 | $ 186,500 | $ 20,000 |
| Goldsboro, NC | 4 | $ 473,000 | $ 118,250 | $ 67,000 |
| Greenville-Mauldin-Easley, SC | 4 | $ 777,000 | $ 194,250 | $ 44,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 844,000 | $ 211,000 | $ 38,000 |
| Honolulu, HI | 4 | $ 1,666,000 | $ 416,500 | $ 76,000 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 777,000 | $ 194,250 | $ 54,000 |
| Kingston, NY | 4 | $ 745,000 | $ 186,250 | $ 51,000 |
| Las Cruces, NM | 4 | $ 813,000 | $ 203,250 | $ 86,000 |
| Lexington-Fayette, KY | 4 | $ 675,000 | $ 168,750 | $ 44,000 |
| Lubbock, TX | 4 | $ 751,000 | $ 187,750 | $ 53,000 |
| Midland, TX | 4 | $ 695,000 | $ 173,750 | $ 104,000 |
| Naples-Marco Island, FL | 4 | $ 647,000 | $ 161,750 | $ 32,000 |
| Ocean City, NJ | 4 | $ 820,000 | $ 205,000 | $ 43,000 |
| Pittsfield, MA | 4 | $ 845,000 | $ 211,250 | $ 129,000 |
| Punta Gorda, FL | 4 | $ 506,000 | $ 126,500 | $ 27,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,029,000 | $ 257,250 | $ 78,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 843,000 | $ 210,750 | $ 25,000 |
| Sherman-Denison, TX | 4 | $ 618,000 | $ 154,500 | $ 70,000 |
| Waco, TX | 4 | $ 832,000 | $ 208,000 | $ 50,000 |
| Wichita Falls, TX | 4 | $ 554,000 | $ 138,500 | $ 56,000 |
| Winston-Salem, NC | 4 | $ 656,000 | $ 164,000 | $ 20,000 |
| Yuma, AZ | 4 | $ 732,000 | $ 183,000 | $ 59,000 |
| Ann Arbor, MI | 3 | $ 469,000 | $ 156,333 | $ 68,000 |
| Cheyenne, WY | 3 | $ 713,000 | $ 237,666 | $ 38,000 |
| College Station-Bryan, TX | 3 | $ 426,000 | $ 142,000 | $ 38,000 |
| Dover, DE | 3 | $ 813,000 | $ 271,000 | $ 45,000 |
| El Centro, CA | 3 | $ 796,000 | $ 265,333 | $ 229,000 |
| Gary, IN | 3 | $ 723,000 | $ 241,000 | $ 111,000 |
| Grand Forks, ND-MN | 3 | $ 882,000 | $ 294,000 | $ 167,000 |
| Hot Springs, AR | 3 | $ 468,000 | $ 156,000 | $ 16,000 |
| Jacksonville, NC | 3 | $ 557,000 | $ 185,666 | $ 19,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 320,000 | $ 106,666 | $ 40,666 |
| Lake Charles, LA | 3 | $ 513,000 | $ 171,000 | $ 103,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 346,000 | $ 115,333 | $ 85,000 |
| Lansing-East Lansing, MI | 3 | $ 491,000 | $ 163,666 | $ 0 |
| Madison, WI | 3 | $ 397,000 | $ 132,333 | $ 35,000 |
| Mobile, AL | 3 | $ 429,000 | $ 143,000 | $ 0 |
| Monroe, LA | 3 | $ 589,000 | $ 196,333 | $ 57,000 |
| Ogden-Clearfield, UT | 3 | $ 592,000 | $ 197,333 | $ 67,000 |
| Provo-Orem, UT | 3 | $ 704,000 | $ 234,666 | $ 65,000 |
| Sebastian-Vero Beach, FL | 3 | $ 641,000 | $ 213,666 | $ 55,000 |
| Spartanburg, SC | 3 | $ 489,000 | $ 163,000 | $ 77,000 |
| Syracuse, NY | 3 | $ 362,000 | $ 120,666 | $ 42,000 |
| Wichita, KS | 3 | $ 373,000 | $ 124,333 | $ 63,000 |
| Winchester, VA-WV | 3 | $ 451,000 | $ 150,333 | $ 31,000 |
| Alexandria, LA | 2 | $ 238,000 | $ 119,000 | $ 33,000 |
| Altoona, PA | 2 | $ 368,000 | $ 184,000 | $ 96,000 |
| Amarillo, TX | 2 | $ 260,000 | $ 130,000 | $ 61,000 |
| Anderson, IN | 2 | $ 196,000 | $ 98,000 | $ 0 |
| Auburn-Opelika, AL | 2 | $ 382,000 | $ 191,000 | $ 26,000 |
| Battle Creek, MI | 2 | $ 316,000 | $ 158,000 | $ 49,000 |
| Bellingham, WA | 2 | $ 395,000 | $ 197,500 | $ 102,000 |
| Bend, OR | 2 | $ 384,000 | $ 192,000 | $ 20,000 |
| Binghamton, NY | 2 | $ 276,000 | $ 138,000 | $ 50,000 |
| Boise City-Nampa, ID | 2 | $ 358,000 | $ 179,000 | $ 58,000 |
| Bremerton-Silverdale, WA | 2 | $ 422,000 | $ 211,000 | $ 82,000 |
| Carson City, NV | 2 | $ 383,000 | $ 191,500 | $ 85,000 |
| Champaign-Urbana, IL | 2 | $ 305,000 | $ 152,500 | $ 56,000 |
| Charleston, WV | 2 | $ 321,000 | $ 160,500 | $ 22,000 |
| Clarksville, TN-KY | 2 | $ 305,000 | $ 152,500 | $ 30,000 |
| Duluth, MN-WI | 2 | $ 406,000 | $ 203,000 | $ 74,000 |
| Elizabethtown, KY | 2 | $ 355,000 | $ 177,500 | $ 0 |
| Florence, SC | 2 | $ 387,000 | $ 193,500 | $ 71,000 |
| Fort Wayne, IN | 2 | $ 235,000 | $ 117,500 | $ 41,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 358,000 | $ 179,000 | $ 0 |
| Gulfport-Biloxi, MS | 2 | $ 324,000 | $ 162,000 | $ 26,000 |
| Hanford-Corcoran, CA | 2 | $ 230,000 | $ 115,000 | $ 47,000 |
| Harrisonburg, VA | 2 | $ 289,000 | $ 144,500 | $ 0 |
| Hinesville-Fort Stewart, GA | 2 | $ 346,000 | $ 173,000 | $ 44,000 |
| Jonesboro, AR | 2 | $ 367,000 | $ 183,500 | $ 30,000 |
| Lebanon, PA | 2 | $ 414,000 | $ 207,000 | $ 53,000 |
| Lewiston-Auburn, ME | 2 | $ 377,000 | $ 188,500 | $ 27,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 397,000 | $ 198,500 | $ 0 |
| Madera-Chowchilla, CA | 2 | $ 493,000 | $ 246,500 | $ 112,000 |
| Manhattan, KS | 2 | $ 288,000 | $ 144,000 | $ 32,000 |
| Merced, CA | 2 | $ 331,000 | $ 165,500 | $ 69,000 |
| Modesto, CA | 2 | $ 247,000 | $ 123,500 | $ 30,000 |
| Muskegon-Norton Shores, MI | 2 | $ 313,000 | $ 156,500 | $ 0 |
| Palm Coast, FL | 2 | $ 309,000 | $ 154,500 | $ 18,000 |
| Pueblo, CO | 2 | $ 348,000 | $ 174,000 | $ 21,000 |
| Reno-Sparks, NV | 2 | $ 291,000 | $ 145,500 | $ 87,000 |
| Rochester, NY | 2 | $ 335,000 | $ 167,500 | $ 40,000 |
| Rockford, IL | 2 | $ 417,000 | $ 208,500 | $ 59,000 |
| Rome, GA | 2 | $ 338,000 | $ 169,000 | $ 0 |
| Salisbury, MD | 2 | $ 413,000 | $ 206,500 | $ 17,000 |
| Spokane, WA | 2 | $ 326,000 | $ 163,000 | $ 24,000 |
| State College, PA | 2 | $ 399,000 | $ 199,500 | $ 0 |
| Visalia-Porterville, CA | 2 | $ 985,000 | $ 492,500 | $ 131,000 |
| Warner Robins, GA | 2 | $ 344,000 | $ 172,000 | $ 0 |
| Williamsport, PA | 2 | $ 183,000 | $ 91,500 | $ 23,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 352,000 | $ 176,000 | $ 66,000 |
| Anderson, SC | 1 | $ 111,000 | $ 111,000 | $ 55,000 |
| Appleton, WI | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 188,000 | $ 188,000 | $ 91,000 |
| Bangor, ME | 1 | $ 219,000 | $ 219,000 | $ 145,000 |
| Bay City, MI | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Billings, MT | 1 | $ 188,000 | $ 188,000 | $ 51,000 |
| Bismarck, ND | 1 | $ 180,000 | $ 180,000 | $ 56,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 163,000 | $ 163,000 | $ 61,000 |
| Bloomington, IN | 1 | $ 113,000 | $ 113,000 | $ 51,000 |
| Bowling Green, KY | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Burlington, NC | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Chico, CA | 1 | $ 284,000 | $ 284,000 | $ 126,000 |
| Coeur D'Alene, ID | 1 | $ 173,000 | $ 173,000 | $ 129,000 |
| Columbus, GA-AL | 1 | $ 166,000 | $ 166,000 | $ 90,000 |
| Corvallis, OR | 1 | $ 312,000 | $ 312,000 | $ 75,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 405,000 | $ 405,000 | $ 124,000 |
| Danville, VA | 1 | $ 266,000 | $ 266,000 | $ 51,000 |
| Eugene-Springfield, OR | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 76,000 | $ 76,000 | $ 33,000 |
| Grand Junction, CO | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Green Bay, WI | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Iowa City, IA | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Jackson, MI | 1 | $ 131,000 | $ 131,000 | $ 37,000 |
| Johnson City, TN | 1 | $ 202,000 | $ 202,000 | $ 95,000 |
| Johnstown, PA | 1 | $ 141,000 | $ 141,000 | $ 90,000 |
| Joplin, MO | 1 | $ 156,000 | $ 156,000 | $ 79,000 |
| Kankakee-Bradley, IL | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Lafayette, IN | 1 | $ 151,000 | $ 151,000 | $ 29,000 |
| Lafayette, LA | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Laredo, TX | 1 | $ 210,000 | $ 210,000 | $ 60,000 |
| Lawrence, KS | 1 | $ 197,000 | $ 197,000 | $ 102,000 |
| Lawton, OK | 1 | $ 184,000 | $ 184,000 | $ 77,000 |
| Lincoln, NE | 1 | $ 160,000 | $ 160,000 | $ 46,000 |
| Longview, WA | 1 | $ 117,000 | $ 117,000 | $ 65,000 |
| Medford, OR | 1 | $ 202,000 | $ 202,000 | $ 63,000 |
| Monroe, MI | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Oshkosh-Neenah, WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Owensboro, KY | 1 | $ 140,000 | $ 140,000 | $ 128,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 151,000 | $ 151,000 | $ 65,000 |
| Pascagoula, MS | 1 | $ 141,000 | $ 141,000 | $ 156,000 |
| Peoria, IL | 1 | $ 129,000 | $ 129,000 | $ 74,000 |
| Pocatello, ID | 1 | $ 183,000 | $ 183,000 | $ 90,000 |
| Rochester, MN | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Sandusky, OH | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 93,000 | $ 93,000 | $ 80,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Springfield, IL | 1 | $ 56,000 | $ 56,000 | $ 80,000 |
| Springfield, MO | 1 | $ 130,000 | $ 130,000 | $ 0 |
| St. George, UT | 1 | $ 268,000 | $ 268,000 | $ 125,000 |
| St. Joseph, MO-KS | 1 | $ 170,000 | $ 170,000 | $ 74,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 106,000 | $ 106,000 | $ 58,000 |
| Sumter, SC | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Topeka, KS | 1 | $ 149,000 | $ 149,000 | $ 57,000 |
| Utica-Rome, NY | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Valdosta, GA | 1 | $ 226,000 | $ 226,000 | $ 92,000 |
| Victoria, TX | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Yuba City, CA | 1 | $ 313,000 | $ 313,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for First Choice Bank in 2011
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 | 4,208 | $1,052,620,000 | $250,000 | $6,000,000 | $73,000 | $4,599,000 |
| Home Purchase | 1,157 | $272,380,000 | $235,000 | $2,340,000 | $88,000 | $1,481,000 |
| Home Improvement | 69 | $15,263,000 | $221,000 | $900,000 | $106,000 | $900,000 |
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 | 3,378 | $840,998,000 | $248,000 | $6,000,000 | $75,000 | $1,850,000 |
| Not Provided | 783 | $203,531,000 | $259,000 | $1,428,000 | $107,000 | $4,599,000 |
| Black or African American | 529 | $111,921,000 | $211,000 | $692,000 | $63,000 | $2,245,000 |
| Hispanic | 420 | $85,541,000 | $203,000 | $816,000 | $54,000 | $420,000 |
| Asian | 258 | $74,895,000 | $290,000 | $1,453,000 | $85,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 28 | $5,992,000 | $214,000 | $488,000 | $93,000 | $312,000 |
| American Indian or Alaskan Native | 23 | $4,704,000 | $204,000 | $436,000 | $54,000 | $163,000 |
| Not applicable | 15 | $12,681,000 | $845,000 | $3,000,000 | $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) | 3,527 | $791,838,000 | $224,000 | $777,000 | $53,000 | $1,128,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,432 | $437,456,000 | $305,000 | $6,000,000 | $141,000 | $4,599,000 |
| VA-guaranteed (Veterans Administration) | 469 | $108,935,000 | $232,000 | $705,000 | $58,000 | $380,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $2,034,000 | $339,000 | $1,120,000 | $147,000 | $530,000 |
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 | 2,523 | $619,880,000 | $245,000 | $6,000,000 | $65,000 | $2,245,000 |
| Application Withdrawn By Applicant | 1,772 | $441,044,000 | $248,000 | $1,855,000 | $94,000 | $4,599,000 |
| File Closed For Incompleteness | 490 | $119,724,000 | $244,000 | $1,010,000 | $94,000 | $1,208,000 |
| Application Denied By Financial Institution | 467 | $110,741,000 | $237,000 | $1,700,000 | $53,000 | $350,000 |
| Application Approved But Not Accepted | 182 | $48,874,000 | $268,000 | $3,000,000 | $89,000 | $612,000 |
| 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 | 189 | $43,792,000 | $231,000 | $1,168,000 | $25,000 | $283,000 |
| Debt-To-Income Ratio | 72 | $20,307,000 | $282,000 | $1,700,000 | $69,000 | $350,000 |
| Credit History | 60 | $11,962,000 | $199,000 | $566,000 | $73,000 | $291,000 |
| Collateral | 48 | $11,049,000 | $230,000 | $950,000 | $84,000 | $334,000 |
| Credit Application Incomplete | 27 | $6,566,000 | $243,000 | $737,000 | $71,000 | $207,000 |
| Employment History | 11 | $2,003,000 | $182,000 | $341,000 | $53,000 | $97,000 |
| Unverifiable Information | 10 | $2,168,000 | $216,000 | $298,000 | $56,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $954,000 | $238,000 | $370,000 | $81,000 | $115,000 |
| Mortgage Insurance Denied | 1 | $163,000 | $163,000 | $163,000 | $68,000 | $68,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Choice Bank's 2011 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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