First Choice Funding, Inc. Mortgage Lending & HMDA Data, 2003
In 2003, First Choice Funding, Inc. of Birmingham, AL reported 2,750 mortgage applications totaling $251.5 million. The average application was for $91,448, and applicants reported an average income of $46,464. 14% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Birmingham, AL (466), Huntsville, AL (252) and Atlanta, GA (147) (applications in parentheses).
| Mortgage Company & Address | First Choice Funding, Inc. 2100 Riverchase Center Ste 100 Birmingham, AL 35244 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,750 |
| Total Mortgage Loan Application Amount | $251,484,000 |
| Average Mortgage Loan Application Amount | $91,448 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $46,464 |
| Highest Applicant Income | $744,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Choice Funding, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson, Alabama | 393 | $ 36,757,000 | $ 93,529 | $ 43,000 |
| Madison, Alabama | 209 | $ 20,308,000 | $ 97,167 | $ 65,000 |
| Hinds, Mississippi | 90 | $ 6,527,000 | $ 72,522 | $ 36,000 |
| Morgan, Alabama | 77 | $ 6,403,000 | $ 83,155 | $ 40,000 |
| Mobile, Alabama | 75 | $ 5,896,000 | $ 78,613 | $ 43,000 |
| Muscogee, Georgia | 70 | $ 6,156,000 | $ 87,942 | $ 47,000 |
| Tuscaloosa, Alabama | 65 | $ 6,398,000 | $ 98,430 | $ 56,000 |
| Colbert, Alabama | 58 | $ 4,802,000 | $ 82,793 | $ 45,000 |
| Houston, Alabama | 56 | $ 5,418,000 | $ 96,750 | $ 57,000 |
| Lauderdale, Alabama | 55 | $ 5,280,000 | $ 96,000 | $ 42,000 |
| Montgomery, Alabama | 53 | $ 4,599,000 | $ 86,773 | $ 43,000 |
| Baldwin, Alabama | 51 | $ 5,785,000 | $ 113,431 | $ 45,000 |
| Harrison, Mississippi | 50 | $ 3,555,000 | $ 71,100 | $ 25,000 |
| Shelby, Alabama | 49 | $ 6,909,000 | $ 141,000 | $ 69,000 |
| Davidson, Tennessee | 47 | $ 4,306,000 | $ 91,617 | $ 52,000 |
| Etowah, Alabama | 46 | $ 4,634,000 | $ 100,739 | $ 44,000 |
| Limestone, Alabama | 43 | $ 3,854,000 | $ 89,627 | $ 40,000 |
| DeKalb, Georgia | 42 | $ 5,973,000 | $ 142,214 | $ 74,000 |
| Fulton, Georgia | 39 | $ 4,799,000 | $ 123,051 | $ 81,000 |
| Russell, Alabama | 38 | $ 3,392,000 | $ 89,263 | $ 34,000 |
| Bibb, Georgia | 37 | $ 3,049,000 | $ 82,405 | $ 62,000 |
| Madison, Mississippi | 33 | $ 3,227,000 | $ 97,787 | $ 75,000 |
| Lawrence, Alabama | 32 | $ 2,760,000 | $ 86,250 | $ 52,000 |
| Leflore, Mississippi | 29 | $ 1,758,000 | $ 60,620 | $ 61,000 |
| Cullman, Alabama | 28 | $ 2,353,000 | $ 84,035 | $ 43,000 |
| Lowndes, Mississippi | 27 | $ 2,273,000 | $ 84,185 | $ 37,000 |
| Talladega, Alabama | 24 | $ 2,638,000 | $ 109,916 | $ 39,000 |
| Coahoma, Mississippi | 24 | $ 1,320,000 | $ 55,000 | $ 31,000 |
| Calhoun, Alabama | 23 | $ 1,527,000 | $ 66,391 | $ 29,000 |
| Clayton, Georgia | 23 | $ 2,372,000 | $ 103,130 | $ 64,000 |
| Hamilton, Tennessee | 21 | $ 1,825,000 | $ 86,904 | $ 35,000 |
| Marshall, Alabama | 19 | $ 1,554,000 | $ 81,789 | $ 38,000 |
| Marshall, Mississippi | 18 | $ 1,205,000 | $ 66,944 | $ 38,000 |
| Rutherford, Tennessee | 18 | $ 2,262,000 | $ 125,666 | $ 48,000 |
| Lee, Alabama | 16 | $ 2,273,000 | $ 142,062 | $ 71,000 |
| Rankin, Mississippi | 16 | $ 1,967,000 | $ 122,937 | $ 54,000 |
| Blount, Alabama | 15 | $ 1,344,000 | $ 89,600 | $ 44,000 |
| Franklin, Alabama | 15 | $ 1,035,000 | $ 69,000 | $ 38,000 |
| Monroe, Mississippi | 15 | $ 1,001,000 | $ 66,733 | $ 38,000 |
| Chatham, Georgia | 14 | $ 1,111,000 | $ 79,357 | $ 63,000 |
| Cobb, Georgia | 14 | $ 1,963,000 | $ 140,214 | $ 70,000 |
| Coffee, Alabama | 13 | $ 954,000 | $ 73,384 | $ 39,000 |
| DeKalb, Alabama | 13 | $ 1,058,000 | $ 81,384 | $ 47,000 |
| Marengo, Alabama | 13 | $ 770,000 | $ 59,230 | $ 29,000 |
| Dale, Alabama | 12 | $ 1,259,000 | $ 104,916 | $ 58,000 |
| Leon, Florida | 11 | $ 975,000 | $ 88,636 | $ 37,000 |
| Bolivar, Mississippi | 10 | $ 807,000 | $ 80,700 | $ 25,000 |
| Sunflower, Mississippi | 10 | $ 695,000 | $ 69,500 | $ 35,000 |
| Wilson, Tennessee | 10 | $ 1,028,000 | $ 102,800 | $ 33,000 |
| St. Clair, Alabama | 9 | $ 843,000 | $ 93,666 | $ 36,000 |
| Shelby, Tennessee | 9 | $ 1,140,000 | $ 126,666 | $ 64,000 |
| Elmore, Alabama | 8 | $ 632,000 | $ 79,000 | $ 57,000 |
| Escambia, Florida | 8 | $ 635,000 | $ 79,375 | $ 33,000 |
| Jackson, Mississippi | 8 | $ 656,000 | $ 82,000 | $ 47,000 |
| Washington, Mississippi | 8 | $ 448,000 | $ 56,000 | $ 20,000 |
| Chilton, Alabama | 7 | $ 564,000 | $ 80,571 | $ 40,000 |
| Dallas, Alabama | 7 | $ 655,000 | $ 93,571 | $ 55,000 |
| Jackson, Alabama | 7 | $ 556,000 | $ 79,428 | $ 41,000 |
| Gwinnett, Georgia | 7 | $ 895,000 | $ 127,857 | $ 48,000 |
| DeSoto, Mississippi | 7 | $ 1,043,000 | $ 149,000 | $ 50,000 |
| Stone, Mississippi | 7 | $ 506,000 | $ 72,285 | $ 36,000 |
| Yazoo, Mississippi | 7 | $ 474,000 | $ 67,714 | $ 32,000 |
| Madison, Tennessee | 7 | $ 503,000 | $ 71,857 | $ 26,000 |
| Sumner, Tennessee | 7 | $ 532,000 | $ 76,000 | $ 140,000 |
| Pike, Alabama | 6 | $ 568,000 | $ 94,666 | $ 33,000 |
| Sumter, Alabama | 6 | $ 463,000 | $ 77,166 | $ 25,000 |
| Walker, Alabama | 6 | $ 484,000 | $ 80,666 | $ 64,000 |
| Orange, Florida | 6 | $ 508,000 | $ 84,666 | $ 46,000 |
| Coffee, Georgia | 6 | $ 571,000 | $ 95,166 | $ 57,000 |
| Henry, Georgia | 6 | $ 734,000 | $ 122,333 | $ 47,000 |
| Lowndes, Georgia | 6 | $ 378,000 | $ 63,000 | $ 30,000 |
| Clay, Mississippi | 6 | $ 432,000 | $ 72,000 | $ 29,000 |
| Winston, Mississippi | 6 | $ 456,000 | $ 76,000 | $ 35,000 |
| Bibb, Alabama | 5 | $ 440,000 | $ 88,000 | $ 33,000 |
| Winston, Alabama | 5 | $ 291,000 | $ 58,200 | $ 21,000 |
| Broward, Florida | 5 | $ 667,000 | $ 133,400 | $ 39,000 |
| Thomas, Georgia | 5 | $ 365,000 | $ 73,000 | $ 34,000 |
| Troup, Georgia | 5 | $ 378,000 | $ 75,600 | $ 177,000 |
| Jones, Mississippi | 5 | $ 294,000 | $ 58,800 | $ 94,000 |
| Leake, Mississippi | 5 | $ 452,000 | $ 90,400 | $ 37,000 |
| Bradley, Tennessee | 5 | $ 438,000 | $ 87,600 | $ 52,000 |
| Lincoln, Tennessee | 5 | $ 328,000 | $ 65,600 | $ 31,000 |
| Maury, Tennessee | 5 | $ 405,000 | $ 81,000 | $ 30,000 |
| Cherokee, Alabama | 4 | $ 392,000 | $ 98,000 | $ 46,000 |
| Fayette, Alabama | 4 | $ 214,000 | $ 53,500 | $ 42,000 |
| Geneva, Alabama | 4 | $ 313,000 | $ 78,250 | $ 37,000 |
| Henry, Alabama | 4 | $ 255,000 | $ 63,750 | $ 34,000 |
| Hillsborough, Florida | 4 | $ 333,000 | $ 83,250 | $ 48,000 |
| Wakulla, Florida | 4 | $ 280,000 | $ 70,000 | $ 51,000 |
| Cook, Georgia | 4 | $ 388,000 | $ 97,000 | $ 40,000 |
| Mitchell, Georgia | 4 | $ 213,000 | $ 53,250 | $ 35,000 |
| Newton, Georgia | 4 | $ 432,000 | $ 108,000 | $ 63,000 |
| Oktibbeha, Mississippi | 4 | $ 308,000 | $ 77,000 | $ 34,000 |
| Quitman, Mississippi | 4 | $ 249,000 | $ 62,250 | $ 47,000 |
| New Hanover, North Carolina | 4 | $ 435,000 | $ 108,750 | $ 31,000 |
| Richland, South Carolina | 4 | $ 296,000 | $ 74,000 | $ 42,000 |
| Cheatham, Tennessee | 4 | $ 358,000 | $ 89,500 | $ 32,000 |
| Knox, Tennessee | 4 | $ 274,000 | $ 68,500 | $ 56,000 |
| Lauderdale, Tennessee | 4 | $ 222,000 | $ 55,500 | $ 47,000 |
| McMinn, Tennessee | 4 | $ 270,000 | $ 67,500 | $ 25,000 |
| Autauga, Alabama | 3 | $ 486,000 | $ 162,000 | $ 65,000 |
| Choctaw, Alabama | 3 | $ 147,000 | $ 49,000 | $ 38,000 |
| Covington, Alabama | 3 | $ 179,000 | $ 59,666 | $ 67,000 |
| Hale, Alabama | 3 | $ 204,000 | $ 68,000 | $ 35,000 |
| Marion, Alabama | 3 | $ 172,000 | $ 57,333 | $ 47,000 |
| Monroe, Alabama | 3 | $ 246,000 | $ 82,000 | $ 70,000 |
| Tallapoosa, Alabama | 3 | $ 332,000 | $ 110,666 | $ 60,000 |
| Bay, Florida | 3 | $ 452,000 | $ 150,666 | $ 127,000 |
| Gadsden, Florida | 3 | $ 363,000 | $ 121,000 | $ 45,000 |
| Jackson, Florida | 3 | $ 211,000 | $ 70,333 | $ 87,000 |
| Jefferson, Florida | 3 | $ 249,000 | $ 83,000 | $ 45,000 |
| Madison, Florida | 3 | $ 177,000 | $ 59,000 | $ 32,000 |
| Volusia, Florida | 3 | $ 191,000 | $ 63,666 | $ 21,000 |
| Cherokee, Georgia | 3 | $ 321,000 | $ 107,000 | $ 33,000 |
| Douglas, Georgia | 3 | $ 231,000 | $ 77,000 | $ 63,000 |
| Harris, Georgia | 3 | $ 495,000 | $ 165,000 | $ 47,000 |
| Richmond, Georgia | 3 | $ 243,000 | $ 81,000 | $ 44,000 |
| Upson, Georgia | 3 | $ 211,000 | $ 70,333 | $ 45,000 |
| Walker, Georgia | 3 | $ 225,000 | $ 75,000 | $ 46,000 |
| Copiah, Mississippi | 3 | $ 177,000 | $ 59,000 | $ 26,000 |
| Grenada, Mississippi | 3 | $ 286,000 | $ 95,333 | $ 30,000 |
| Lafayette, Mississippi | 3 | $ 159,000 | $ 53,000 | $ 24,000 |
| Lawrence, Mississippi | 3 | $ 280,000 | $ 93,333 | $ 29,000 |
| Panola, Mississippi | 3 | $ 198,000 | $ 66,000 | $ 29,000 |
| Union, Mississippi | 3 | $ 203,000 | $ 67,666 | $ 31,000 |
| Warren, Mississippi | 3 | $ 194,000 | $ 64,666 | $ 33,000 |
| Anderson, South Carolina | 3 | $ 267,000 | $ 89,000 | $ 30,000 |
| Greenville, South Carolina | 3 | $ 286,000 | $ 95,333 | $ 48,000 |
| Anderson, Tennessee | 3 | $ 253,000 | $ 84,333 | $ 37,000 |
| Greene, Tennessee | 3 | $ 367,000 | $ 122,333 | $ 71,000 |
| Hamblen, Tennessee | 3 | $ 274,000 | $ 91,333 | $ 40,000 |
| Humphreys, Tennessee | 3 | $ 219,000 | $ 73,000 | $ 37,000 |
| Marshall, Tennessee | 3 | $ 279,000 | $ 93,000 | $ 41,000 |
| Wayne, Tennessee | 3 | $ 216,000 | $ 72,000 | $ 54,000 |
| Barbour, Alabama | 2 | $ 226,000 | $ 113,000 | $ 17,000 |
| Chambers, Alabama | 2 | $ 136,000 | $ 68,000 | $ 39,000 |
| Escambia, Alabama | 2 | $ 88,000 | $ 44,000 | $ 37,000 |
| Greene, Alabama | 2 | $ 172,000 | $ 86,000 | $ 52,000 |
| Lamar, Alabama | 2 | $ 171,000 | $ 85,500 | $ 14,000 |
| Macon, Alabama | 2 | $ 154,000 | $ 77,000 | $ 32,000 |
| Perry, Alabama | 2 | $ 110,000 | $ 55,000 | $ 37,000 |
| Randolph, Alabama | 2 | $ 205,000 | $ 102,500 | $ 64,000 |
| Wilcox, Alabama | 2 | $ 125,000 | $ 62,500 | $ 24,000 |
| Clay, Florida | 2 | $ 225,000 | $ 112,500 | $ 50,000 |
| Duval, Florida | 2 | $ 147,000 | $ 73,500 | $ 36,000 |
| Miami-Dade, Florida | 2 | $ 210,000 | $ 105,000 | $ 45,000 |
| Palm Beach, Florida | 2 | $ 210,000 | $ 105,000 | $ 28,000 |
| Santa Rosa, Florida | 2 | $ 125,000 | $ 62,500 | $ 24,000 |
| Baldwin, Georgia | 2 | $ 322,000 | $ 161,000 | $ 50,000 |
| Chattahoochee, Georgia | 2 | $ 140,000 | $ 70,000 | $ 32,000 |
| Colquitt, Georgia | 2 | $ 153,000 | $ 76,500 | $ 32,000 |
| Fannin, Georgia | 2 | $ 303,000 | $ 151,500 | $ 79,000 |
| Grady, Georgia | 2 | $ 126,000 | $ 63,000 | $ 44,000 |
| Houston, Georgia | 2 | $ 117,000 | $ 58,500 | $ 25,000 |
| Madison, Georgia | 2 | $ 429,000 | $ 214,500 | $ 58,000 |
| Paulding, Georgia | 2 | $ 199,000 | $ 99,500 | $ 27,000 |
| Rockdale, Georgia | 2 | $ 229,000 | $ 114,500 | $ 41,000 |
| Spalding, Georgia | 2 | $ 170,000 | $ 85,000 | $ 79,000 |
| Telfair, Georgia | 2 | $ 105,000 | $ 52,500 | $ 49,000 |
| Kenton, Kentucky | 2 | $ 185,000 | $ 92,500 | $ 61,000 |
| Avoyelles, Louisiana | 2 | $ 125,000 | $ 62,500 | $ 21,000 |
| Calcasieu, Louisiana | 2 | $ 154,000 | $ 77,000 | $ 84,000 |
| Lincoln, Louisiana | 2 | $ 158,000 | $ 79,000 | $ 33,000 |
| Rapides, Louisiana | 2 | $ 127,000 | $ 63,500 | $ 36,000 |
| St. Martin, Louisiana | 2 | $ 82,000 | $ 41,000 | $ 23,000 |
| St. Mary, Louisiana | 2 | $ 102,000 | $ 51,000 | $ 31,000 |
| Benton, Mississippi | 2 | $ 99,000 | $ 49,500 | $ 28,000 |
| Chickasaw, Mississippi | 2 | $ 120,000 | $ 60,000 | $ 28,000 |
| Forrest, Mississippi | 2 | $ 115,000 | $ 57,500 | $ 33,000 |
| Holmes, Mississippi | 2 | $ 71,000 | $ 35,500 | $ 32,000 |
| Humphreys, Mississippi | 2 | $ 103,000 | $ 51,500 | $ 38,000 |
| Pontotoc, Mississippi | 2 | $ 205,000 | $ 102,500 | $ 14,000 |
| Scott, Mississippi | 2 | $ 134,000 | $ 67,000 | $ 37,000 |
| Tallahatchie, Mississippi | 2 | $ 126,000 | $ 63,000 | $ 31,000 |
| Tate, Mississippi | 2 | $ 171,000 | $ 85,500 | $ 41,000 |
| Tippah, Mississippi | 2 | $ 148,000 | $ 74,000 | $ 39,000 |
| Webster, Mississippi | 2 | $ 119,000 | $ 59,500 | $ 45,000 |
| Butler, Ohio | 2 | $ 194,000 | $ 97,000 | $ 25,000 |
| Cherokee, South Carolina | 2 | $ 305,000 | $ 152,500 | $ 52,000 |
| Florence, South Carolina | 2 | $ 186,000 | $ 93,000 | $ 35,000 |
| Spartanburg, South Carolina | 2 | $ 179,000 | $ 89,500 | $ 42,000 |
| Dickson, Tennessee | 2 | $ 206,000 | $ 103,000 | $ 30,000 |
| Giles, Tennessee | 2 | $ 111,000 | $ 55,500 | $ 31,000 |
| Hickman, Tennessee | 2 | $ 141,000 | $ 70,500 | $ 22,000 |
| Lawrence, Tennessee | 2 | $ 118,000 | $ 59,000 | $ 27,000 |
| Macon, Tennessee | 2 | $ 177,000 | $ 88,500 | $ 40,000 |
| Montgomery, Tennessee | 2 | $ 218,000 | $ 109,000 | $ 39,000 |
| Obion, Tennessee | 2 | $ 170,000 | $ 85,000 | $ 64,000 |
| Robertson, Tennessee | 2 | $ 129,000 | $ 64,500 | $ 50,000 |
| Scott, Tennessee | 2 | $ 215,000 | $ 107,500 | $ 40,000 |
| Williamson, Tennessee | 2 | $ 769,000 | $ 384,500 | $ 183,000 |
| Bullock, Alabama | 1 | $ 51,000 | $ 51,000 | $ 113,000 |
| Butler, Alabama | 1 | $ 44,000 | $ 44,000 | $ 14,000 |
| Clarke, Alabama | 1 | $ 54,000 | $ 54,000 | $ 70,000 |
| Clay, Alabama | 1 | $ 58,000 | $ 58,000 | $ 37,000 |
| Crenshaw, Alabama | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Pickens, Alabama | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Pulaski, Arkansas | 1 | $ 75,000 | $ 75,000 | $ 111,000 |
| Alachua, Florida | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Calhoun, Florida | 1 | $ 54,000 | $ 54,000 | $ 40,000 |
| Gulf, Florida | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Hernando, Florida | 1 | $ 300,000 | $ 300,000 | $ 55,000 |
| Holmes, Florida | 1 | $ 47,000 | $ 47,000 | $ 58,000 |
| Levy, Florida | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Osceola, Florida | 1 | $ 61,000 | $ 61,000 | $ 53,000 |
| Pasco, Florida | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Pinellas, Florida | 1 | $ 98,000 | $ 98,000 | $ 26,000 |
| Polk, Florida | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Seminole, Florida | 1 | $ 212,000 | $ 212,000 | $ 72,000 |
| Berrien, Georgia | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Brooks, Georgia | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| Bryan, Georgia | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Bulloch, Georgia | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Crawford, Georgia | 1 | $ 188,000 | $ 188,000 | $ 78,000 |
| Dade, Georgia | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Decatur, Georgia | 1 | $ 67,000 | $ 67,000 | $ 26,000 |
| Dougherty, Georgia | 1 | $ 72,000 | $ 72,000 | $ 53,000 |
| Gordon, Georgia | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Greene, Georgia | 1 | $ 157,000 | $ 157,000 | $ 38,000 |
| Heard, Georgia | 1 | $ 51,000 | $ 51,000 | $ 31,000 |
| Jeff Davis, Georgia | 1 | $ 50,000 | $ 50,000 | $ 16,000 |
| Jones, Georgia | 1 | $ 153,000 | $ 153,000 | $ 54,000 |
| Laurens, Georgia | 1 | $ 140,000 | $ 140,000 | $ 61,000 |
| Liberty, Georgia | 1 | $ 76,000 | $ 76,000 | $ 46,000 |
| Macon, Georgia | 1 | $ 74,000 | $ 74,000 | $ 23,000 |
| Meriwether, Georgia | 1 | $ 56,000 | $ 56,000 | $ 36,000 |
| Monroe, Georgia | 1 | $ 204,000 | $ 204,000 | $ 92,000 |
| Peach, Georgia | 1 | $ 69,000 | $ 69,000 | $ 31,000 |
| Pike, Georgia | 1 | $ 64,000 | $ 64,000 | $ 60,000 |
| Talbot, Georgia | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Whitfield, Georgia | 1 | $ 92,000 | $ 92,000 | $ 48,000 |
| Worth, Georgia | 1 | $ 108,000 | $ 108,000 | $ 86,000 |
| Barren, Kentucky | 1 | $ 38,000 | $ 38,000 | $ 52,000 |
| Boone, Kentucky | 1 | $ 87,000 | $ 87,000 | $ 116,000 |
| Bullitt, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Ascension, Louisiana | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| East Baton Rouge, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Grant, Louisiana | 1 | $ 68,000 | $ 68,000 | $ 73,000 |
| Livingston, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Ouachita, Louisiana | 1 | $ 113,000 | $ 113,000 | $ 34,000 |
| St. Tammany, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Union, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Adams, Mississippi | 1 | $ 77,000 | $ 77,000 | $ 26,000 |
| Alcorn, Mississippi | 1 | $ 56,000 | $ 56,000 | $ 23,000 |
| Calhoun, Mississippi | 1 | $ 47,000 | $ 47,000 | $ 18,000 |
| Choctaw, Mississippi | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Hancock, Mississippi | 1 | $ 72,000 | $ 72,000 | $ 25,000 |
| Itawamba, Mississippi | 1 | $ 112,000 | $ 112,000 | $ 58,000 |
| Lamar, Mississippi | 1 | $ 117,000 | $ 117,000 | $ 45,000 |
| Lauderdale, Mississippi | 1 | $ 51,000 | $ 51,000 | $ 51,000 |
| Lee, Mississippi | 1 | $ 109,000 | $ 109,000 | $ 74,000 |
| Lincoln, Mississippi | 1 | $ 131,000 | $ 131,000 | $ 55,000 |
| Montgomery, Mississippi | 1 | $ 136,000 | $ 136,000 | $ 77,000 |
| Noxubee, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 17,000 |
| Pearl River, Mississippi | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Simpson, Mississippi | 1 | $ 64,000 | $ 64,000 | $ 41,000 |
| Tishomingo, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 14,000 |
| Livingston, Missouri | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Randolph, Missouri | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Queens, New York | 1 | $ 86,000 | $ 86,000 | $ 45,000 |
| Mecklenburg, North Carolina | 1 | $ 213,000 | $ 213,000 | $ 145,000 |
| Fayette, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Georgetown, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Horry, South Carolina | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Oconee, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Bedford, Tennessee | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Cannon, Tennessee | 1 | $ 123,000 | $ 123,000 | $ 83,000 |
| Coffee, Tennessee | 1 | $ 103,000 | $ 103,000 | $ 42,000 |
| Decatur, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Fayette, Tennessee | 1 | $ 310,000 | $ 310,000 | $ 174,000 |
| Franklin, Tennessee | 1 | $ 61,000 | $ 61,000 | $ 29,000 |
| Gibson, Tennessee | 1 | $ 36,000 | $ 36,000 | $ 56,000 |
| Hardeman, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Hardin, Tennessee | 1 | $ 293,000 | $ 293,000 | $ 144,000 |
| Haywood, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 60,000 |
| Jefferson, Tennessee | 1 | $ 180,000 | $ 180,000 | $ 85,000 |
| Loudon, Tennessee | 1 | $ 82,000 | $ 82,000 | $ 21,000 |
| Rhea, Tennessee | 1 | $ 59,000 | $ 59,000 | $ 39,000 |
| Sevier, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 116,000 |
| Sullivan, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Tarrant, Texas | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for First Choice Funding, Inc. in 2003
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 (home purchase or home improvement, one-to-four family) | 1,551 | $147,396,000 | $88,230 | $750,000 | $49,000 | $744,000 |
| Home Purchase (one-to-four family) | 1,195 | $103,772,000 | $93,666 | $750,000 | $48,250 | $594,000 |
| Home Improvement (one-to-four family) | 4 | $316,000 | $73,000 | $119,000 | $59,000 | $138,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 1,013 | $93,829,000 | $94,000 | $750,000 | $50,583 | $594,000 |
| Black | 903 | $76,991,000 | $90,200 | $397,000 | $41,400 | $744,000 |
| White | 733 | $70,769,000 | $94,083 | $520,000 | $52,166 | $537,000 |
| Other | 40 | $4,302,000 | $99,600 | $312,000 | $34,200 | $110,000 |
| Hispanic | 37 | $3,390,000 | $88,000 | $171,000 | $40,600 | $90,000 |
| American Indian or Alaskan Native | 12 | $1,113,000 | $90,333 | $152,000 | $68,000 | $522,000 |
| Asian or Pacific Islander | 12 | $1,090,000 | $79,666 | $210,000 | $50,666 | $264,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,749 | $251,398,000 | $92,533 | $750,000 | $52,000 | $744,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $86,000 | $86,000 | $86,000 | $66,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 1,674 | $159,121,000 | $100,727 | $400,000 | $53,636 | $594,000 |
| Application Denied By Financial Institution | 639 | $54,399,000 | $80,500 | $750,000 | $53,333 | $744,000 |
| Loan Originated | 388 | $33,360,000 | $77,142 | $308,000 | $42,428 | $413,000 |
| Application Withdrawn By Applicant | 49 | $4,604,000 | $92,200 | $246,000 | $33,000 | $105,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 567 | $48,423,000 | $79,833 | $750,000 | $53,500 | $744,000 |
| Mortgage Insurance Denied | 1 | $75,000 | $75,000 | $75,000 | $12,000 | $12,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Choice Funding, Inc.'s 2003 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 Funding, Inc.'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 Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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