First Choice Bank Mortgage Lending & HMDA Data, 2012
In 2012, First Choice Bank of Lawrenceville, NJ reported 6,115 mortgage applications totaling $1.7 billion, up 13% from 2011. The average application was for $276,029, and applicants reported an average income of $82,016. 41% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (294), New York-White Plains-Wayne, NY-NJ (198) and Edison-New Brunswick, NJ (194) (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 | 6,115 |
| Total Mortgage Loan Application Amount | $1,687,921,000 |
| Average Mortgage Loan Application Amount | $276,029 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $82,016 |
| Highest Applicant Income | $3,420,000 |
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Act (HMDA) records First Choice Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 294 | $ 109,359,000 | $ 371,969 | $ 122,000 |
| New York-White Plains-Wayne, NY-NJ | 198 | $ 108,583,000 | $ 548,398 | $ 156,939 |
| Edison-New Brunswick, NJ | 194 | $ 69,504,000 | $ 358,268 | $ 86,000 |
| Philadelphia, PA | 174 | $ 41,148,000 | $ 236,482 | $ 73,000 |
| San Diego-Carlsbad-San Marcos, CA | 168 | $ 58,373,000 | $ 347,458 | $ 114,000 |
| Riverside-San Bernardino-Ontario, CA | 166 | $ 46,547,000 | $ 280,403 | $ 97,000 |
| Chicago-Joliet-Naperville, IL | 165 | $ 41,481,000 | $ 251,400 | $ 113,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 153 | $ 57,860,000 | $ 378,169 | $ 70,947 |
| Santa Ana-Anaheim-Irvine, CA | 145 | $ 51,885,000 | $ 357,827 | $ 130,000 |
| Phoenix-Mesa-Glendale, AZ | 138 | $ 31,871,000 | $ 230,949 | $ 91,000 |
| Oakland-Fremont-Hayward, CA | 129 | $ 47,573,000 | $ 368,782 | $ 124,000 |
| Cambridge-Newton-Framingham, MA | 119 | $ 37,500,000 | $ 315,126 | $ 117,000 |
| Dallas-Plano-Irving, TX | 119 | $ 19,060,000 | $ 160,168 | $ 59,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 109 | $ 46,262,000 | $ 424,422 | $ 144,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 105 | $ 26,872,000 | $ 255,923 | $ 91,000 |
| Denver-Aurora-Broomfield, CO | 99 | $ 22,825,000 | $ 230,555 | $ 48,000 |
| Boston-Quincy, MA | 95 | $ 27,840,000 | $ 293,052 | $ 105,000 |
| Newark-Union, NJ-PA | 93 | $ 27,956,000 | $ 300,602 | $ 90,021 |
| Houston-Sugar Land-Baytown, TX | 92 | $ 16,649,000 | $ 180,967 | $ 52,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 84 | $ 16,499,000 | $ 196,416 | $ 55,000 |
| Baltimore-Towson, MD | 76 | $ 22,766,000 | $ 299,552 | $ 65,000 |
| Providence-New Bedford-Fall River, RI-MA | 74 | $ 18,459,000 | $ 249,445 | $ 71,851 |
| San Francisco-San Mateo-Redwood City, CA | 73 | $ 34,628,000 | $ 474,356 | $ 170,000 |
| Trenton-Ewing, NJ | 71 | $ 13,810,000 | $ 194,507 | $ 85,000 |
| Atlanta-Sandy Springs-Marietta, GA | 67 | $ 14,677,000 | $ 219,059 | $ 45,000 |
| Camden, NJ | 63 | $ 18,079,000 | $ 286,968 | $ 45,000 |
| Peabody, MA | 56 | $ 17,082,000 | $ 305,035 | $ 110,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 54 | $ 13,810,000 | $ 255,740 | $ 35,333 |
| Hartford-West Hartford-East Hartford, CT | 53 | $ 12,612,000 | $ 237,962 | $ 78,000 |
| Nassau-Suffolk, NY | 53 | $ 27,987,000 | $ 528,056 | $ 129,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 52 | $ 9,579,000 | $ 184,211 | $ 58,000 |
| Bridgeport-Stamford-Norwalk, CT | 48 | $ 16,743,000 | $ 348,812 | $ 137,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 43 | $ 15,985,000 | $ 371,744 | $ 131,000 |
| Fort Worth-Arlington, TX | 42 | $ 6,823,000 | $ 162,452 | $ 58,000 |
| Tampa-St. Petersburg-Clearwater, FL | 41 | $ 8,663,000 | $ 211,292 | $ 39,000 |
| Rockingham County-Strafford County, NH | 39 | $ 9,715,000 | $ 249,102 | $ 79,000 |
| Manchester-Nashua, NH | 38 | $ 8,465,000 | $ 222,763 | $ 72,000 |
| Greenville-Mauldin-Easley, SC | 37 | $ 6,822,000 | $ 184,378 | $ 73,000 |
| Seattle-Bellevue-Everett, WA | 35 | $ 10,133,000 | $ 289,514 | $ 62,000 |
| Richmond, VA | 33 | $ 8,129,000 | $ 246,333 | $ 56,000 |
| Miami-Miami Beach-Kendall, FL | 32 | $ 7,275,000 | $ 227,343 | $ 61,000 |
| New Haven-Milford, CT | 32 | $ 8,065,000 | $ 252,031 | $ 109,000 |
| Pittsburgh, PA | 32 | $ 5,572,000 | $ 174,125 | $ 52,000 |
| Kansas City, MO-KS | 30 | $ 5,133,000 | $ 171,100 | $ 42,400 |
| Portland-Vancouver-Hillsboro, OR-WA | 29 | $ 6,543,000 | $ 225,620 | $ 52,103 |
| Orlando-Kissimmee-Sanford, FL | 28 | $ 6,188,000 | $ 221,000 | $ 35,000 |
| Tacoma, WA | 28 | $ 6,747,000 | $ 240,964 | $ 37,000 |
| San Antonio-New Braunfels, TX | 27 | $ 5,464,000 | $ 202,370 | $ 46,000 |
| Stockton, CA | 26 | $ 5,918,000 | $ 227,615 | $ 152,000 |
| Worcester, MA | 26 | $ 6,977,000 | $ 268,346 | $ 84,000 |
| Columbus, OH | 25 | $ 5,129,000 | $ 205,160 | $ 28,000 |
| Lake County-Kenosha County, IL-WI | 25 | $ 7,460,000 | $ 298,400 | $ 152,760 |
| Austin-Round Rock-San Marcos, TX | 24 | $ 5,009,000 | $ 208,708 | $ 44,000 |
| Cincinnati-Middletown, OH-KY-IN | 24 | $ 5,451,000 | $ 227,125 | $ 39,041 |
| Jacksonville, FL | 24 | $ 5,126,000 | $ 213,583 | $ 30,000 |
| St. Louis, MO-IL | 24 | $ 4,252,000 | $ 177,166 | $ 41,625 |
| Allentown-Bethlehem-Easton, PA-NJ | 23 | $ 5,182,000 | $ 225,304 | $ 97,347 |
| Omaha-Council Bluffs, NE-IA | 23 | $ 3,800,000 | $ 165,217 | $ 55,173 |
| Port St. Lucie, FL | 23 | $ 3,124,000 | $ 135,826 | $ 55,000 |
| Tucson, AZ | 22 | $ 4,388,000 | $ 199,454 | $ 80,000 |
| Vallejo-Fairfield, CA | 22 | $ 5,776,000 | $ 262,545 | $ 76,000 |
| Honolulu, HI | 21 | $ 10,210,000 | $ 486,190 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 21 | $ 8,145,000 | $ 387,857 | $ 125,000 |
| Fresno, CA | 20 | $ 4,310,000 | $ 215,500 | $ 69,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 20 | $ 4,192,000 | $ 209,600 | $ 20,000 |
| Warren-Troy-Farmington Hills, MI | 20 | $ 4,300,000 | $ 215,000 | $ 37,000 |
| Bethesda-Rockville-Frederick, MD | 19 | $ 6,841,000 | $ 360,052 | $ 131,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 18 | $ 3,712,000 | $ 206,222 | $ 43,000 |
| Killeen-Temple-Fort Hood, TX | 18 | $ 3,374,000 | $ 187,444 | $ 10,000 |
| Raleigh-Cary, NC | 18 | $ 4,103,000 | $ 227,944 | $ 48,000 |
| Santa Fe, NM | 18 | $ 5,208,000 | $ 289,333 | $ 77,000 |
| Santa Rosa-Petaluma, CA | 18 | $ 6,882,000 | $ 382,333 | $ 122,000 |
| Las Vegas-Paradise, NV | 17 | $ 3,536,000 | $ 208,000 | $ 28,000 |
| Barnstable Town, MA | 16 | $ 4,406,000 | $ 275,375 | $ 137,000 |
| Charleston-North Charleston-Summerville, SC | 16 | $ 3,206,000 | $ 200,375 | $ 47,000 |
| Colorado Springs, CO | 16 | $ 3,520,000 | $ 220,000 | $ 17,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 3,197,000 | $ 199,812 | $ 17,000 |
| Oklahoma City, OK | 16 | $ 3,146,000 | $ 196,625 | $ 42,000 |
| Salt Lake City, UT | 16 | $ 4,679,000 | $ 292,437 | $ 64,000 |
| Jacksonville, NC | 15 | $ 3,037,000 | $ 202,466 | $ 22,000 |
| Modesto, CA | 15 | $ 3,164,000 | $ 210,933 | $ 64,000 |
| Bakersfield-Delano, CA | 14 | $ 3,078,000 | $ 219,857 | $ 75,000 |
| Norwich-New London, CT | 14 | $ 2,851,000 | $ 203,642 | $ 91,000 |
| Chico, CA | 13 | $ 3,344,000 | $ 257,230 | $ 80,000 |
| Cleveland-Elyria-Mentor, OH | 13 | $ 2,901,000 | $ 223,153 | $ 42,000 |
| Columbia, SC | 13 | $ 2,669,000 | $ 205,307 | $ 15,000 |
| Memphis, TN-MS-AR | 13 | $ 2,759,000 | $ 212,230 | $ 51,230 |
| Palm Bay-Melbourne-Titusville, FL | 13 | $ 2,784,000 | $ 214,153 | $ 21,000 |
| Redding, CA | 13 | $ 2,705,000 | $ 208,076 | $ 79,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 13 | $ 5,845,000 | $ 449,615 | $ 113,000 |
| Springfield, MA | 13 | $ 2,525,000 | $ 194,230 | $ 47,000 |
| Wilmington, DE-MD-NJ | 13 | $ 3,139,000 | $ 241,461 | $ 58,384 |
| Salinas, CA | 12 | $ 5,109,000 | $ 425,750 | $ 109,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 4,237,000 | $ 353,083 | $ 129,000 |
| Baton Rouge, LA | 11 | $ 2,484,000 | $ 225,818 | $ 29,000 |
| Fayetteville, NC | 11 | $ 1,870,000 | $ 170,000 | $ 15,000 |
| Huntsville, AL | 11 | $ 2,754,000 | $ 250,363 | $ 61,000 |
| Spokane, WA | 11 | $ 2,243,000 | $ 203,909 | $ 66,000 |
| Albuquerque, NM | 10 | $ 2,243,000 | $ 224,300 | $ 48,000 |
| Anchorage, AK | 10 | $ 2,654,000 | $ 265,400 | $ 37,000 |
| Augusta-Richmond County, GA-SC | 10 | $ 1,538,000 | $ 153,800 | $ 54,400 |
| Harrisburg-Carlisle, PA | 10 | $ 2,309,000 | $ 230,900 | $ 60,000 |
| McAllen-Edinburg-Mission, TX | 10 | $ 1,644,000 | $ 164,400 | $ 73,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 2,130,000 | $ 213,000 | $ 41,000 |
| Montgomery, AL | 10 | $ 2,101,000 | $ 210,100 | $ 30,000 |
| Ogden-Clearfield, UT | 10 | $ 2,323,000 | $ 232,300 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 2,989,000 | $ 298,900 | $ 113,000 |
| Shreveport-Bossier City, LA | 10 | $ 1,893,000 | $ 189,300 | $ 58,000 |
| Visalia-Porterville, CA | 10 | $ 2,810,000 | $ 281,000 | $ 88,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 1,610,000 | $ 178,888 | $ 61,000 |
| Fort Collins-Loveland, CO | 9 | $ 1,832,000 | $ 203,555 | $ 23,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 1,891,000 | $ 210,111 | $ 28,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 1,775,000 | $ 197,222 | $ 34,000 |
| Punta Gorda, FL | 9 | $ 1,100,000 | $ 122,222 | $ 44,000 |
| Rochester, NY | 9 | $ 1,503,000 | $ 167,000 | $ 65,000 |
| Tallahassee, FL | 9 | $ 1,817,000 | $ 201,888 | $ 78,000 |
| Atlantic City-Hammonton, NJ | 8 | $ 1,667,000 | $ 208,375 | $ 54,000 |
| Brownsville-Harlingen, TX | 8 | $ 1,108,000 | $ 138,500 | $ 70,000 |
| Clarksville, TN-KY | 8 | $ 1,338,000 | $ 167,250 | $ 6,750 |
| Bremerton-Silverdale, WA | 7 | $ 1,717,000 | $ 245,285 | $ 45,000 |
| Buffalo-Niagara Falls, NY | 7 | $ 873,000 | $ 124,714 | $ 65,000 |
| Durham-Chapel Hill, NC | 7 | $ 1,747,000 | $ 249,571 | $ 58,000 |
| Madison, WI | 7 | $ 1,502,000 | $ 214,571 | $ 58,000 |
| Merced, CA | 7 | $ 1,114,000 | $ 159,142 | $ 79,000 |
| Napa, CA | 7 | $ 2,012,000 | $ 287,428 | $ 116,000 |
| Prescott, AZ | 7 | $ 1,812,000 | $ 258,857 | $ 97,000 |
| Reno-Sparks, NV | 7 | $ 1,399,000 | $ 199,857 | $ 59,000 |
| York-Hanover, PA | 7 | $ 1,458,000 | $ 208,285 | $ 62,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,314,000 | $ 219,000 | $ 103,000 |
| Anderson, SC | 6 | $ 611,000 | $ 101,833 | $ 72,000 |
| Birmingham-Hoover, AL | 6 | $ 916,000 | $ 152,666 | $ 30,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 1,357,000 | $ 226,166 | $ 92,000 |
| El Paso, TX | 6 | $ 1,098,000 | $ 183,000 | $ 65,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,352,000 | $ 225,333 | $ 44,666 |
| Indianapolis-Carmel, IN | 6 | $ 1,350,000 | $ 225,000 | $ 54,000 |
| Jackson, MS | 6 | $ 1,219,000 | $ 203,166 | $ 13,000 |
| Kingston, NY | 6 | $ 1,511,000 | $ 251,833 | $ 76,000 |
| Lakeland-Winter Haven, FL | 6 | $ 956,000 | $ 159,333 | $ 43,000 |
| Lancaster, PA | 6 | $ 894,000 | $ 149,000 | $ 25,000 |
| North Port-Bradenton-Sarasota, FL | 6 | $ 1,692,000 | $ 282,000 | $ 189,000 |
| Olympia, WA | 6 | $ 1,420,000 | $ 236,666 | $ 15,000 |
| Akron, OH | 5 | $ 1,087,000 | $ 217,400 | $ 25,000 |
| Boise City-Nampa, ID | 5 | $ 724,000 | $ 144,800 | $ 65,000 |
| Burlington-South Burlington, VT | 5 | $ 1,180,000 | $ 236,000 | $ 56,000 |
| Chattanooga, TN-GA | 5 | $ 916,000 | $ 183,200 | $ 44,000 |
| Corpus Christi, TX | 5 | $ 696,000 | $ 139,200 | $ 44,000 |
| Dayton, OH | 5 | $ 1,013,000 | $ 202,600 | $ 0 |
| Des Moines-West Des Moines, IA | 5 | $ 998,000 | $ 199,600 | $ 25,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 810,000 | $ 162,000 | $ 33,000 |
| Grand Junction, CO | 5 | $ 1,105,000 | $ 221,000 | $ 25,000 |
| Greeley, CO | 5 | $ 1,175,000 | $ 235,000 | $ 42,000 |
| Greensboro-High Point, NC | 5 | $ 805,000 | $ 161,000 | $ 17,000 |
| Lansing-East Lansing, MI | 5 | $ 729,000 | $ 145,800 | $ 26,000 |
| Naples-Marco Island, FL | 5 | $ 1,180,000 | $ 236,000 | $ 97,000 |
| Yuba City, CA | 5 | $ 1,274,000 | $ 254,800 | $ 115,000 |
| Charlottesville, VA | 4 | $ 898,000 | $ 224,500 | $ 8,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 664,000 | $ 166,000 | $ 21,000 |
| Dover, DE | 4 | $ 983,000 | $ 245,750 | $ 23,000 |
| El Centro, CA | 4 | $ 908,000 | $ 227,000 | $ 50,000 |
| Eugene-Springfield, OR | 4 | $ 1,006,000 | $ 251,500 | $ 79,000 |
| Gary, IN | 4 | $ 822,000 | $ 205,500 | $ 103,000 |
| Kalamazoo-Portage, MI | 4 | $ 708,000 | $ 177,000 | $ 29,000 |
| Knoxville, TN | 4 | $ 603,000 | $ 150,750 | $ 30,000 |
| Lafayette, LA | 4 | $ 836,000 | $ 209,000 | $ 56,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 863,000 | $ 215,750 | $ 49,000 |
| Las Cruces, NM | 4 | $ 865,000 | $ 216,250 | $ 22,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 882,000 | $ 220,500 | $ 47,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 784,000 | $ 196,000 | $ 46,000 |
| Provo-Orem, UT | 4 | $ 734,000 | $ 183,500 | $ 29,000 |
| Reading, PA | 4 | $ 575,000 | $ 143,750 | $ 48,000 |
| Sebastian-Vero Beach, FL | 4 | $ 782,000 | $ 195,500 | $ 60,000 |
| Tulsa, OK | 4 | $ 674,000 | $ 168,500 | $ 93,000 |
| Asheville, NC | 3 | $ 595,000 | $ 198,333 | $ 32,000 |
| Auburn-Opelika, AL | 3 | $ 635,000 | $ 211,666 | $ 0 |
| Bend, OR | 3 | $ 520,000 | $ 173,333 | $ 51,000 |
| Boulder, CO | 3 | $ 631,000 | $ 210,333 | $ 18,000 |
| Canton-Massillon, OH | 3 | $ 571,000 | $ 190,333 | $ 0 |
| Columbus, GA-AL | 3 | $ 387,000 | $ 129,000 | $ 62,000 |
| Decatur, AL | 3 | $ 566,000 | $ 188,666 | $ 28,000 |
| Flagstaff, AZ | 3 | $ 1,020,000 | $ 340,000 | $ 133,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 469,000 | $ 156,333 | $ 15,000 |
| Harrisonburg, VA | 3 | $ 619,000 | $ 206,333 | $ 47,000 |
| Lebanon, PA | 3 | $ 460,000 | $ 153,333 | $ 20,000 |
| Madera-Chowchilla, CA | 3 | $ 637,000 | $ 212,333 | $ 110,000 |
| Manhattan, KS | 3 | $ 578,000 | $ 192,666 | $ 40,000 |
| Mobile, AL | 3 | $ 520,000 | $ 173,333 | $ 23,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 600,000 | $ 200,000 | $ 55,000 |
| Niles-Benton Harbor, MI | 3 | $ 645,000 | $ 215,000 | $ 44,000 |
| Ocala, FL | 3 | $ 365,000 | $ 121,666 | $ 47,000 |
| Oshkosh-Neenah, WI | 3 | $ 392,000 | $ 130,666 | $ 38,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 738,000 | $ 246,000 | $ 28,000 |
| Roanoke, VA | 3 | $ 1,154,000 | $ 384,666 | $ 124,000 |
| Savannah, GA | 3 | $ 519,000 | $ 173,000 | $ 32,000 |
| Spartanburg, SC | 3 | $ 659,000 | $ 219,666 | $ 107,000 |
| Syracuse, NY | 3 | $ 457,000 | $ 152,333 | $ 48,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 400,000 | $ 133,333 | $ 25,000 |
| Winchester, VA-WV | 3 | $ 632,000 | $ 210,666 | $ 12,000 |
| Yakima, WA | 3 | $ 478,000 | $ 159,333 | $ 48,000 |
| Ann Arbor, MI | 2 | $ 335,000 | $ 167,500 | $ 0 |
| Anniston-Oxford, AL | 2 | $ 334,000 | $ 167,000 | $ 0 |
| Appleton, WI | 2 | $ 302,000 | $ 151,000 | $ 28,000 |
| Athens-Clarke County, GA | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Bellingham, WA | 2 | $ 464,000 | $ 232,000 | $ 90,000 |
| Bloomington, IN | 2 | $ 599,000 | $ 299,500 | $ 55,000 |
| Bloomington-Normal, IL | 2 | $ 496,000 | $ 248,000 | $ 48,000 |
| Erie, PA | 2 | $ 226,000 | $ 113,000 | $ 28,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 424,000 | $ 212,000 | $ 94,000 |
| Gadsden, AL | 2 | $ 361,000 | $ 180,500 | $ 0 |
| Grand Forks, ND-MN | 2 | $ 454,000 | $ 227,000 | $ 86,500 |
| Great Falls, MT | 2 | $ 413,000 | $ 206,500 | $ 87,000 |
| Green Bay, WI | 2 | $ 258,000 | $ 129,000 | $ 30,000 |
| Hanford-Corcoran, CA | 2 | $ 485,000 | $ 242,500 | $ 127,000 |
| Holland-Grand Haven, MI | 2 | $ 254,000 | $ 127,000 | $ 34,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 329,000 | $ 164,500 | $ 0 |
| Idaho Falls, ID | 2 | $ 376,000 | $ 188,000 | $ 0 |
| Kennewick-Pasco-Richland, WA | 2 | $ 346,000 | $ 173,000 | $ 28,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 268,000 | $ 134,000 | $ 21,000 |
| Lafayette, IN | 2 | $ 363,000 | $ 181,500 | $ 39,000 |
| Lawton, OK | 2 | $ 304,000 | $ 152,000 | $ 54,000 |
| Lexington-Fayette, KY | 2 | $ 451,000 | $ 225,500 | $ 0 |
| Lincoln, NE | 2 | $ 265,000 | $ 132,500 | $ 21,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Lynchburg, VA | 2 | $ 249,000 | $ 124,500 | $ 66,000 |
| Medford, OR | 2 | $ 392,000 | $ 196,000 | $ 38,000 |
| Missoula, MT | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| Monroe, MI | 2 | $ 320,000 | $ 160,000 | $ 85,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 522,000 | $ 261,000 | $ 0 |
| Pascagoula, MS | 2 | $ 480,000 | $ 240,000 | $ 60,000 |
| Racine, WI | 2 | $ 423,000 | $ 211,500 | $ 0 |
| Salem, OR | 2 | $ 366,000 | $ 183,000 | $ 77,000 |
| Springfield, MO | 2 | $ 279,000 | $ 139,500 | $ 0 |
| Sumter, SC | 2 | $ 439,000 | $ 219,500 | $ 61,000 |
| Topeka, KS | 2 | $ 434,000 | $ 217,000 | $ 65,000 |
| Tuscaloosa, AL | 2 | $ 392,000 | $ 196,000 | $ 44,000 |
| Tyler, TX | 2 | $ 311,000 | $ 155,500 | $ 31,000 |
| Valdosta, GA | 2 | $ 417,000 | $ 208,500 | $ 0 |
| Victoria, TX | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Waco, TX | 2 | $ 227,000 | $ 113,500 | $ 48,000 |
| Wichita Falls, TX | 2 | $ 183,000 | $ 91,500 | $ 26,000 |
| Williamsport, PA | 2 | $ 293,000 | $ 146,500 | $ 39,000 |
| Wilmington, NC | 2 | $ 157,000 | $ 78,500 | $ 47,000 |
| Abilene, TX | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Altoona, PA | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Amarillo, TX | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Ames, IA | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Bangor, ME | 1 | $ 244,000 | $ 244,000 | $ 90,000 |
| Battle Creek, MI | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Billings, MT | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Binghamton, NY | 1 | $ 108,000 | $ 108,000 | $ 59,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Brunswick, GA | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Cheyenne, WY | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Cleveland, TN | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 170,000 | $ 170,000 | $ 61,000 |
| College Station-Bryan, TX | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Dubuque, IA | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Eau Claire, WI | 1 | $ 403,000 | $ 403,000 | $ 205,000 |
| Elizabethtown, KY | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| Elkhart-Goshen, IN | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Evansville, IN-KY | 1 | $ 240,000 | $ 240,000 | $ 45,000 |
| Fairbanks, AK | 1 | $ 266,000 | $ 266,000 | $ 168,000 |
| Fargo, ND-MN | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Flint, MI | 1 | $ 148,000 | $ 148,000 | $ 53,000 |
| Florence, SC | 1 | $ 117,000 | $ 117,000 | $ 33,000 |
| Florence-Muscle Shoals, AL | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Gainesville, FL | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Gainesville, GA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Glens Falls, NY | 1 | $ 209,000 | $ 209,000 | $ 74,000 |
| Goldsboro, NC | 1 | $ 199,000 | $ 199,000 | $ 110,000 |
| Greenville, NC | 1 | $ 119,000 | $ 119,000 | $ 46,000 |
| Hattiesburg, MS | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 339,000 | $ 339,000 | $ 75,000 |
| Hot Springs, AR | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Iowa City, IA | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Jackson, MI | 1 | $ 217,000 | $ 217,000 | $ 92,000 |
| Jefferson City, MO | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Johnstown, PA | 1 | $ 141,000 | $ 141,000 | $ 109,000 |
| Joplin, MO | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Lake Charles, LA | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Logan, UT-ID | 1 | $ 126,000 | $ 126,000 | $ 37,000 |
| Longview, TX | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Longview, WA | 1 | $ 227,000 | $ 227,000 | $ 53,000 |
| Lubbock, TX | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Morgantown, WV | 1 | $ 212,000 | $ 212,000 | $ 143,000 |
| Palm Coast, FL | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Peoria, IL | 1 | $ 417,000 | $ 417,000 | $ 751,000 |
| Pueblo, CO | 1 | $ 267,000 | $ 267,000 | $ 0 |
| Rapid City, SD | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Rockford, IL | 1 | $ 332,000 | $ 332,000 | $ 217,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Salisbury, MD | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 219,000 | $ 219,000 | $ 51,000 |
| Sheboygan, WI | 1 | $ 133,000 | $ 133,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Springfield, OH | 1 | $ 214,000 | $ 214,000 | $ 78,000 |
| St. George, UT | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 154,000 | $ 154,000 | $ 47,000 |
| Utica-Rome, NY | 1 | $ 91,000 | $ 91,000 | $ 45,000 |
| Warner Robins, GA | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Wausau, WI | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Wenatchee-East Wenatchee, WA | 1 | $ 204,000 | $ 204,000 | $ 120,000 |
| Wichita, KS | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Yuma, AZ | 1 | $ 390,000 | $ 390,000 | $ 230,000 |
Mortgage Loan Application Detail Totals for First Choice Bank in 2012
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 | 4,978 | $1,412,243,000 | $283,000 | $8,000,000 | $78,000 | $2,100,000 |
| Home Purchase | 1,035 | $248,443,000 | $240,000 | $2,600,000 | $97,000 | $3,420,000 |
| Home Improvement | 102 | $27,235,000 | $267,000 | $920,000 | $126,000 | $652,000 |
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 | 3,544 | $970,598,000 | $273,000 | $6,057,000 | $80,000 | $2,100,000 |
| Not Provided | 1,347 | $384,569,000 | $285,000 | $1,788,000 | $98,000 | $1,427,000 |
| Black or African American | 440 | $103,850,000 | $236,000 | $737,000 | $51,000 | $425,000 |
| Hispanic | 392 | $90,269,000 | $230,000 | $2,340,000 | $73,000 | $3,420,000 |
| Asian | 299 | $93,987,000 | $314,000 | $1,000,000 | $100,000 | $1,097,000 |
| Native Hawaiian or Other Pacific Islander | 42 | $11,924,000 | $283,000 | $960,000 | $79,000 | $352,000 |
| American Indian or Alaskan Native | 33 | $6,508,000 | $197,000 | $535,000 | $51,000 | $188,000 |
| Not applicable | 18 | $26,216,000 | $1,456,000 | $8,000,000 | $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) | 2,881 | $707,965,000 | $245,000 | $1,384,000 | $59,000 | $651,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,044 | $684,776,000 | $335,000 | $8,000,000 | $133,000 | $3,420,000 |
| VA-guaranteed (Veterans Administration) | 1,144 | $287,529,000 | $251,000 | $800,000 | $52,000 | $990,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $7,651,000 | $166,000 | $311,000 | $58,000 | $125,000 |
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 | 2,532 | $672,798,000 | $265,000 | $6,057,000 | $65,000 | $2,100,000 |
| Application Withdrawn By Applicant | 2,402 | $682,847,000 | $284,000 | $8,000,000 | $94,000 | $3,420,000 |
| File Closed For Incompleteness | 610 | $184,889,000 | $303,000 | $1,476,000 | $104,000 | $1,044,000 |
| Application Denied By Financial Institution | 311 | $80,669,000 | $259,000 | $999,000 | $77,000 | $720,000 |
| Application Approved But Not Accepted | 191 | $51,168,000 | $267,000 | $1,888,000 | $89,000 | $798,000 |
| Loan Purchased By The Institution | 69 | $15,550,000 | $225,000 | $641,000 | $111,000 | $707,000 |
| 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 | 102 | $24,433,000 | $239,000 | $944,000 | $51,000 | $720,000 |
| Debt-To-Income Ratio | 48 | $13,168,000 | $274,000 | $705,000 | $81,000 | $257,000 |
| Collateral | 36 | $11,840,000 | $328,000 | $950,000 | $87,000 | $357,000 |
| Credit Application Incomplete | 32 | $8,707,000 | $272,000 | $662,000 | $107,000 | $603,000 |
| Credit History | 28 | $6,349,000 | $226,000 | $561,000 | $93,000 | $464,000 |
| Unverifiable Information | 11 | $3,357,000 | $305,000 | $578,000 | $119,000 | $277,000 |
| Employment History | 6 | $1,626,000 | $271,000 | $417,000 | $70,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $404,000 | $101,000 | $142,000 | $56,000 | $94,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Choice Bank's 2012 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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