First Choice Funding, Inc. Mortgage Lending & HMDA Data, 2004
In 2004, First Choice Funding, Inc. of Birmingham, AL reported 3,598 mortgage applications totaling $347.4 million, up 31% from 2003. The average application was for $96,551, and applicants reported an average income of $48,296. 10% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Birmingham-Hoover, AL (414), Huntsville, AL (214) and Jackson, MS (132) (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 | 3,598 |
| Total Mortgage Loan Application Amount | $347,393,000 |
| Average Mortgage Loan Application Amount | $96,551 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $48,296 |
| Highest Applicant Income | $1,839,000 |
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records First Choice Funding, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 323 | $ 30,388,000 | $ 94,080 | $ 48,000 |
| Madison, Alabama | 159 | $ 15,455,000 | $ 97,201 | $ 45,000 |
| Tuscaloosa, Alabama | 91 | $ 9,008,000 | $ 98,989 | $ 47,000 |
| Hinds, Mississippi | 91 | $ 7,105,000 | $ 78,076 | $ 68,000 |
| Mobile, Alabama | 75 | $ 6,316,000 | $ 84,213 | $ 54,000 |
| Morgan, Alabama | 74 | $ 6,878,000 | $ 92,945 | $ 40,000 |
| Harrison, Mississippi | 68 | $ 5,971,000 | $ 87,808 | $ 33,000 |
| Limestone, Alabama | 55 | $ 5,018,000 | $ 91,236 | $ 60,000 |
| Muscogee, Georgia | 55 | $ 4,994,000 | $ 90,800 | $ 57,000 |
| Houston, Alabama | 52 | $ 4,830,000 | $ 92,884 | $ 37,000 |
| Baldwin, Alabama | 46 | $ 5,559,000 | $ 120,847 | $ 76,000 |
| Colbert, Alabama | 46 | $ 3,293,000 | $ 71,586 | $ 36,000 |
| Lee, Alabama | 44 | $ 4,622,000 | $ 105,045 | $ 37,000 |
| Lauderdale, Alabama | 43 | $ 4,132,000 | $ 96,093 | $ 44,000 |
| Montgomery, Alabama | 40 | $ 3,693,000 | $ 92,325 | $ 49,000 |
| Shelby, Alabama | 39 | $ 5,310,000 | $ 136,153 | $ 45,000 |
| Davidson, Tennessee | 37 | $ 3,700,000 | $ 100,000 | $ 43,000 |
| Hamilton, Tennessee | 36 | $ 3,603,000 | $ 100,083 | $ 50,000 |
| Marshall, Alabama | 35 | $ 3,106,000 | $ 88,742 | $ 58,000 |
| Etowah, Alabama | 33 | $ 3,188,000 | $ 96,606 | $ 51,000 |
| Lawrence, Alabama | 30 | $ 2,813,000 | $ 93,766 | $ 40,000 |
| Jackson, Mississippi | 29 | $ 2,426,000 | $ 83,655 | $ 34,000 |
| Lauderdale, Mississippi | 26 | $ 1,511,000 | $ 58,115 | $ 24,000 |
| Cullman, Alabama | 23 | $ 2,550,000 | $ 110,869 | $ 59,000 |
| Fulton, Georgia | 23 | $ 3,292,000 | $ 143,130 | $ 41,000 |
| Madison, Tennessee | 23 | $ 1,509,000 | $ 65,608 | $ 27,000 |
| Duval, Florida | 22 | $ 2,513,000 | $ 114,227 | $ 48,000 |
| Gwinnett, Georgia | 22 | $ 3,762,000 | $ 171,000 | $ 56,000 |
| Blount, Alabama | 21 | $ 2,220,000 | $ 105,714 | $ 39,000 |
| Russell, Alabama | 21 | $ 1,849,000 | $ 88,047 | $ 33,000 |
| Coffee, Alabama | 20 | $ 1,713,000 | $ 85,650 | $ 46,000 |
| Richmond, Georgia | 20 | $ 1,693,000 | $ 84,650 | $ 51,000 |
| Walker, Georgia | 20 | $ 1,744,000 | $ 87,200 | $ 33,000 |
| DeKalb, Georgia | 19 | $ 2,626,000 | $ 138,210 | $ 50,000 |
| St. Clair, Alabama | 18 | $ 2,482,000 | $ 137,888 | $ 55,000 |
| Talladega, Alabama | 18 | $ 1,526,000 | $ 84,777 | $ 42,000 |
| Madison, Mississippi | 18 | $ 1,576,000 | $ 87,555 | $ 58,000 |
| Rankin, Mississippi | 18 | $ 1,761,000 | $ 97,833 | $ 37,000 |
| Tallapoosa, Alabama | 15 | $ 1,197,000 | $ 79,800 | $ 32,000 |
| Marshall, Mississippi | 15 | $ 1,010,000 | $ 67,333 | $ 40,000 |
| Calhoun, Alabama | 14 | $ 1,102,000 | $ 78,714 | $ 36,000 |
| Thomas, Georgia | 13 | $ 1,177,000 | $ 90,538 | $ 52,000 |
| Bay, Florida | 12 | $ 1,924,000 | $ 160,333 | $ 55,000 |
| Alcorn, Mississippi | 12 | $ 961,000 | $ 80,083 | $ 36,000 |
| Lincoln, Tennessee | 12 | $ 975,000 | $ 81,250 | $ 61,000 |
| Wilson, Tennessee | 12 | $ 1,063,000 | $ 88,583 | $ 46,000 |
| Cherokee, Alabama | 11 | $ 846,000 | $ 76,909 | $ 66,000 |
| Leon, Florida | 11 | $ 1,168,000 | $ 106,181 | $ 47,000 |
| Clayton, Georgia | 11 | $ 1,271,000 | $ 115,545 | $ 57,000 |
| Warren, Mississippi | 11 | $ 942,000 | $ 85,636 | $ 57,000 |
| Yazoo, Mississippi | 11 | $ 629,000 | $ 57,181 | $ 38,000 |
| DeKalb, Alabama | 10 | $ 1,053,000 | $ 105,300 | $ 38,000 |
| Pinellas, Florida | 10 | $ 1,789,000 | $ 178,900 | $ 61,000 |
| Chatham, Georgia | 10 | $ 1,316,000 | $ 131,600 | $ 53,000 |
| Forrest, Mississippi | 10 | $ 766,000 | $ 76,600 | $ 26,000 |
| Lowndes, Mississippi | 10 | $ 619,000 | $ 61,900 | $ 34,000 |
| Shelby, Tennessee | 10 | $ 1,071,000 | $ 107,100 | $ 67,000 |
| Dale, Alabama | 9 | $ 630,000 | $ 70,000 | $ 41,000 |
| Cobb, Georgia | 9 | $ 1,442,000 | $ 160,222 | $ 64,000 |
| Bolivar, Mississippi | 9 | $ 688,000 | $ 76,444 | $ 29,000 |
| Rutherford, Tennessee | 9 | $ 891,000 | $ 99,000 | $ 41,000 |
| Barbour, Alabama | 8 | $ 662,000 | $ 82,750 | $ 32,000 |
| Franklin, Alabama | 8 | $ 656,000 | $ 82,000 | $ 51,000 |
| Orange, Florida | 8 | $ 1,058,000 | $ 132,250 | $ 49,000 |
| Chambers, Alabama | 7 | $ 406,000 | $ 58,000 | $ 24,000 |
| Chilton, Alabama | 7 | $ 532,000 | $ 76,000 | $ 36,000 |
| Hillsborough, Florida | 7 | $ 947,000 | $ 135,285 | $ 68,000 |
| Catoosa, Georgia | 7 | $ 563,000 | $ 80,428 | $ 36,000 |
| George, Mississippi | 7 | $ 422,000 | $ 60,285 | $ 45,000 |
| Monroe, Mississippi | 7 | $ 403,000 | $ 57,571 | $ 46,000 |
| Tishomingo, Mississippi | 7 | $ 391,000 | $ 55,857 | $ 45,000 |
| Elmore, Alabama | 6 | $ 688,000 | $ 114,666 | $ 39,000 |
| Greene, Alabama | 6 | $ 524,000 | $ 87,333 | $ 47,000 |
| Henry, Alabama | 6 | $ 448,000 | $ 74,666 | $ 39,000 |
| Jackson, Alabama | 6 | $ 498,000 | $ 83,000 | $ 107,000 |
| Washington, Alabama | 6 | $ 733,000 | $ 122,166 | $ 53,000 |
| Seminole, Florida | 6 | $ 632,000 | $ 105,333 | $ 63,000 |
| Volusia, Florida | 6 | $ 663,000 | $ 110,500 | $ 42,000 |
| Harris, Georgia | 6 | $ 827,000 | $ 137,833 | $ 39,000 |
| Ascension, Louisiana | 6 | $ 521,000 | $ 86,833 | $ 60,000 |
| Assumption, Louisiana | 6 | $ 465,000 | $ 77,500 | $ 42,000 |
| Bradley, Tennessee | 6 | $ 513,000 | $ 85,500 | $ 31,000 |
| Dickson, Tennessee | 6 | $ 725,000 | $ 120,833 | $ 49,000 |
| McMinn, Tennessee | 6 | $ 437,000 | $ 72,833 | $ 25,000 |
| Williamson, Tennessee | 6 | $ 813,000 | $ 135,500 | $ 44,000 |
| Dallas, Alabama | 5 | $ 433,000 | $ 86,600 | $ 42,000 |
| Fayette, Alabama | 5 | $ 1,012,000 | $ 202,400 | $ 30,000 |
| Geneva, Alabama | 5 | $ 417,000 | $ 83,400 | $ 40,000 |
| Sumter, Alabama | 5 | $ 343,000 | $ 68,600 | $ 18,000 |
| Bibb, Georgia | 5 | $ 369,000 | $ 73,800 | $ 29,000 |
| Henry, Georgia | 5 | $ 753,000 | $ 150,600 | $ 64,000 |
| Covington, Mississippi | 5 | $ 388,000 | $ 77,600 | $ 38,000 |
| Hancock, Mississippi | 5 | $ 379,000 | $ 75,800 | $ 48,000 |
| Union, Mississippi | 5 | $ 290,000 | $ 58,000 | $ 18,000 |
| Franklin, Tennessee | 5 | $ 363,000 | $ 72,600 | $ 36,000 |
| Gibson, Tennessee | 5 | $ 364,000 | $ 72,800 | $ 29,000 |
| Rhea, Tennessee | 5 | $ 350,000 | $ 70,000 | $ 31,000 |
| Bibb, Alabama | 4 | $ 344,000 | $ 86,000 | $ 35,000 |
| Hale, Alabama | 4 | $ 288,000 | $ 72,000 | $ 40,000 |
| Pickens, Alabama | 4 | $ 257,000 | $ 64,250 | $ 25,000 |
| Jefferson, Florida | 4 | $ 305,000 | $ 76,250 | $ 31,000 |
| Cherokee, Georgia | 4 | $ 519,000 | $ 129,750 | $ 55,000 |
| Decatur, Georgia | 4 | $ 510,000 | $ 127,500 | $ 95,000 |
| Douglas, Georgia | 4 | $ 411,000 | $ 102,750 | $ 43,000 |
| Grady, Georgia | 4 | $ 576,000 | $ 144,000 | $ 53,000 |
| Mitchell, Georgia | 4 | $ 251,000 | $ 62,750 | $ 19,000 |
| Leflore, Mississippi | 4 | $ 364,000 | $ 91,000 | $ 349,000 |
| Panola, Mississippi | 4 | $ 254,000 | $ 63,500 | $ 32,000 |
| Sunflower, Mississippi | 4 | $ 262,000 | $ 65,500 | $ 34,000 |
| Robertson, Tennessee | 4 | $ 231,000 | $ 57,750 | $ 35,000 |
| Choctaw, Alabama | 3 | $ 186,000 | $ 62,000 | $ 39,000 |
| Clarke, Alabama | 3 | $ 202,000 | $ 67,333 | $ 55,000 |
| Crenshaw, Alabama | 3 | $ 314,000 | $ 104,666 | $ 62,000 |
| Escambia, Alabama | 3 | $ 201,000 | $ 67,000 | $ 43,000 |
| Macon, Alabama | 3 | $ 176,000 | $ 58,666 | $ 31,000 |
| Brevard, Florida | 3 | $ 232,000 | $ 77,333 | $ 51,000 |
| Gadsden, Florida | 3 | $ 314,000 | $ 104,666 | $ 55,000 |
| Jackson, Florida | 3 | $ 231,000 | $ 77,000 | $ 44,000 |
| Nassau, Florida | 3 | $ 1,252,000 | $ 417,333 | $ 101,000 |
| Okaloosa, Florida | 3 | $ 426,000 | $ 142,000 | $ 38,000 |
| Osceola, Florida | 3 | $ 540,000 | $ 180,000 | $ 84,000 |
| Pasco, Florida | 3 | $ 500,000 | $ 166,666 | $ 84,000 |
| Carroll, Georgia | 3 | $ 263,000 | $ 87,666 | $ 44,000 |
| Columbia, Georgia | 3 | $ 643,000 | $ 214,333 | $ 67,000 |
| Lowndes, Georgia | 3 | $ 260,000 | $ 86,666 | $ 56,000 |
| Newton, Georgia | 3 | $ 291,000 | $ 97,000 | $ 47,000 |
| Cook, Illinois | 3 | $ 433,000 | $ 144,333 | $ 135,000 |
| Jefferson, Kentucky | 3 | $ 413,000 | $ 137,666 | $ 41,000 |
| Choctaw, Mississippi | 3 | $ 141,000 | $ 47,000 | $ 35,000 |
| Clarke, Mississippi | 3 | $ 181,000 | $ 60,333 | $ 34,000 |
| Greene, Mississippi | 3 | $ 305,000 | $ 101,666 | $ 75,000 |
| Jones, Mississippi | 3 | $ 169,000 | $ 56,333 | $ 15,000 |
| Lamar, Mississippi | 3 | $ 392,000 | $ 130,666 | $ 43,000 |
| Lawrence, Mississippi | 3 | $ 283,000 | $ 94,333 | $ 31,000 |
| Marion, Mississippi | 3 | $ 196,000 | $ 65,333 | $ 40,000 |
| Noxubee, Mississippi | 3 | $ 134,000 | $ 44,666 | $ 26,000 |
| Pike, Mississippi | 3 | $ 166,000 | $ 55,333 | $ 35,000 |
| Pontotoc, Mississippi | 3 | $ 351,000 | $ 117,000 | $ 27,000 |
| Scott, Mississippi | 3 | $ 208,000 | $ 69,333 | $ 50,000 |
| Simpson, Mississippi | 3 | $ 760,000 | $ 253,333 | $ 67,000 |
| Washington, Mississippi | 3 | $ 272,000 | $ 90,666 | $ 39,000 |
| Giles, Tennessee | 3 | $ 241,000 | $ 80,333 | $ 34,000 |
| Knox, Tennessee | 3 | $ 235,000 | $ 78,333 | $ 52,000 |
| Marshall, Tennessee | 3 | $ 213,000 | $ 71,000 | $ 43,000 |
| Autauga, Alabama | 2 | $ 132,000 | $ 66,000 | $ 24,000 |
| Covington, Alabama | 2 | $ 198,000 | $ 99,000 | $ 39,000 |
| Marion, Alabama | 2 | $ 151,000 | $ 75,500 | $ 29,000 |
| Monroe, Alabama | 2 | $ 201,000 | $ 100,500 | $ 36,000 |
| Pike, Alabama | 2 | $ 148,000 | $ 74,000 | $ 26,000 |
| Walker, Alabama | 2 | $ 138,000 | $ 69,000 | $ 37,000 |
| Winston, Alabama | 2 | $ 197,000 | $ 98,500 | $ 61,000 |
| Escambia, Florida | 2 | $ 155,000 | $ 77,500 | $ 52,000 |
| Highlands, Florida | 2 | $ 300,000 | $ 150,000 | $ 41,000 |
| Holmes, Florida | 2 | $ 134,000 | $ 67,000 | $ 69,000 |
| Taylor, Florida | 2 | $ 90,000 | $ 45,000 | $ 26,000 |
| Brooks, Georgia | 2 | $ 337,000 | $ 168,500 | $ 49,000 |
| Camden, Georgia | 2 | $ 200,000 | $ 100,000 | $ 36,000 |
| Chattahoochee, Georgia | 2 | $ 126,000 | $ 63,000 | $ 40,000 |
| Dade, Georgia | 2 | $ 176,000 | $ 88,000 | $ 39,000 |
| Glynn, Georgia | 2 | $ 272,000 | $ 136,000 | $ 47,000 |
| Rockdale, Georgia | 2 | $ 266,000 | $ 133,000 | $ 46,000 |
| Spalding, Georgia | 2 | $ 200,000 | $ 100,000 | $ 689,000 |
| Troup, Georgia | 2 | $ 242,000 | $ 121,000 | $ 40,000 |
| Union, Georgia | 2 | $ 200,000 | $ 100,000 | $ 31,000 |
| Walton, Georgia | 2 | $ 245,000 | $ 122,500 | $ 36,000 |
| St. Mary, Louisiana | 2 | $ 233,000 | $ 116,500 | $ 54,000 |
| Benton, Mississippi | 2 | $ 132,000 | $ 66,000 | $ 70,000 |
| Claiborne, Mississippi | 2 | $ 106,000 | $ 53,000 | $ 14,000 |
| Copiah, Mississippi | 2 | $ 158,000 | $ 79,000 | $ 34,000 |
| DeSoto, Mississippi | 2 | $ 405,000 | $ 202,500 | $ 76,000 |
| Jefferson Davis, Mississippi | 2 | $ 93,000 | $ 46,500 | $ 16,000 |
| Lee, Mississippi | 2 | $ 132,000 | $ 66,000 | $ 29,000 |
| Pearl River, Mississippi | 2 | $ 202,000 | $ 101,000 | $ 56,000 |
| Prentiss, Mississippi | 2 | $ 158,000 | $ 79,000 | $ 69,000 |
| Tippah, Mississippi | 2 | $ 184,000 | $ 92,000 | $ 50,000 |
| Walthall, Mississippi | 2 | $ 134,000 | $ 67,000 | $ 29,000 |
| Webster, Mississippi | 2 | $ 106,000 | $ 53,000 | $ 41,000 |
| Cheatham, Tennessee | 2 | $ 141,000 | $ 70,500 | $ 44,000 |
| Maury, Tennessee | 2 | $ 211,000 | $ 105,500 | $ 36,000 |
| Sevier, Tennessee | 2 | $ 239,000 | $ 119,500 | $ 60,000 |
| Sumner, Tennessee | 2 | $ 297,000 | $ 148,500 | $ 57,000 |
| Warren, Tennessee | 2 | $ 191,000 | $ 95,500 | $ 60,000 |
| Butler, Alabama | 1 | $ 62,000 | $ 62,000 | $ 21,000 |
| Coosa, Alabama | 1 | $ 52,000 | $ 52,000 | $ 16,000 |
| Lamar, Alabama | 1 | $ 106,000 | $ 106,000 | $ 28,000 |
| Wilcox, Alabama | 1 | $ 50,000 | $ 50,000 | $ 16,000 |
| Alachua, Florida | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Broward, Florida | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Citrus, Florida | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Collier, Florida | 1 | $ 230,000 | $ 230,000 | $ 327,000 |
| Gulf, Florida | 1 | $ 123,000 | $ 123,000 | $ 77,000 |
| Hamilton, Florida | 1 | $ 59,000 | $ 59,000 | $ 30,000 |
| Hernando, Florida | 1 | $ 96,000 | $ 96,000 | $ 29,000 |
| Lake, Florida | 1 | $ 152,000 | $ 152,000 | $ 57,000 |
| Liberty, Florida | 1 | $ 144,000 | $ 144,000 | $ 71,000 |
| Miami-Dade, Florida | 1 | $ 210,000 | $ 210,000 | $ 40,000 |
| Monroe, Florida | 1 | $ 617,000 | $ 617,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 120,000 | $ 120,000 | $ 68,000 |
| St. Johns, Florida | 1 | $ 43,000 | $ 43,000 | $ 19,000 |
| St. Lucie, Florida | 1 | $ 136,000 | $ 136,000 | $ 50,000 |
| Sumter, Florida | 1 | $ 160,000 | $ 160,000 | $ 59,000 |
| Washington, Florida | 1 | $ 288,000 | $ 288,000 | $ 102,000 |
| Barrow, Georgia | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Bartow, Georgia | 1 | $ 124,000 | $ 124,000 | $ 54,000 |
| Bryan, Georgia | 1 | $ 252,000 | $ 252,000 | $ 60,000 |
| Burke, Georgia | 1 | $ 51,000 | $ 51,000 | $ 34,000 |
| Coffee, Georgia | 1 | $ 160,000 | $ 160,000 | $ 51,000 |
| Coweta, Georgia | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Dawson, Georgia | 1 | $ 353,000 | $ 353,000 | $ 120,000 |
| Effingham, Georgia | 1 | $ 212,000 | $ 212,000 | $ 72,000 |
| Fannin, Georgia | 1 | $ 160,000 | $ 160,000 | $ 48,000 |
| Fayette, Georgia | 1 | $ 320,000 | $ 320,000 | $ 84,000 |
| Franklin, Georgia | 1 | $ 62,000 | $ 62,000 | $ 18,000 |
| Hart, Georgia | 1 | $ 150,000 | $ 150,000 | $ 51,000 |
| Heard, Georgia | 1 | $ 84,000 | $ 84,000 | $ 268,000 |
| Jackson, Georgia | 1 | $ 113,000 | $ 113,000 | $ 59,000 |
| Jefferson, Georgia | 1 | $ 90,000 | $ 90,000 | $ 288,000 |
| Jones, Georgia | 1 | $ 114,000 | $ 114,000 | $ 39,000 |
| Madison, Georgia | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Marion, Georgia | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| McDuffie, Georgia | 1 | $ 90,000 | $ 90,000 | $ 28,000 |
| Oconee, Georgia | 1 | $ 116,000 | $ 116,000 | $ 49,000 |
| Oglethorpe, Georgia | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Paulding, Georgia | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Talbot, Georgia | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Worth, Georgia | 1 | $ 108,000 | $ 108,000 | $ 86,000 |
| Sedgwick, Kansas | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| Monroe, Kentucky | 1 | $ 57,000 | $ 57,000 | $ 50,000 |
| Avoyelles, Louisiana | 1 | $ 58,000 | $ 58,000 | $ 25,000 |
| De Soto, Louisiana | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| East Baton Rouge, Louisiana | 1 | $ 80,000 | $ 80,000 | $ 26,000 |
| Iberia, Louisiana | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Iberville, Louisiana | 1 | $ 51,000 | $ 51,000 | $ 192,000 |
| Jefferson, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Lafayette, Louisiana | 1 | $ 166,000 | $ 166,000 | $ 71,000 |
| Lafourche, Louisiana | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Livingston, Louisiana | 1 | $ 89,000 | $ 89,000 | $ 71,000 |
| Orleans, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| St. Bernard, Louisiana | 1 | $ 122,000 | $ 122,000 | $ 39,000 |
| St. James, Louisiana | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Terrebonne, Louisiana | 1 | $ 62,000 | $ 62,000 | $ 36,000 |
| Kent, Michigan | 1 | $ 74,000 | $ 74,000 | $ 31,000 |
| Chickasaw, Mississippi | 1 | $ 52,000 | $ 52,000 | $ 34,000 |
| Clay, Mississippi | 1 | $ 96,000 | $ 96,000 | $ 70,000 |
| Coahoma, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Grenada, Mississippi | 1 | $ 94,000 | $ 94,000 | $ 90,000 |
| Holmes, Mississippi | 1 | $ 51,000 | $ 51,000 | $ 50,000 |
| Leake, Mississippi | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Montgomery, Mississippi | 1 | $ 136,000 | $ 136,000 | $ 77,000 |
| Newton, Mississippi | 1 | $ 72,000 | $ 72,000 | $ 31,000 |
| Oktibbeha, Mississippi | 1 | $ 51,000 | $ 51,000 | $ 30,000 |
| Perry, Mississippi | 1 | $ 54,000 | $ 54,000 | $ 20,000 |
| Stone, Mississippi | 1 | $ 126,000 | $ 126,000 | $ 35,000 |
| Tate, Mississippi | 1 | $ 68,000 | $ 68,000 | $ 60,000 |
| Wayne, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| St. Louis, Missouri | 1 | $ 480,000 | $ 480,000 | $ 124,000 |
| Gallatin, Montana | 1 | $ 223,000 | $ 223,000 | $ 71,000 |
| Rutherford, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Montgomery, Ohio | 1 | $ 69,000 | $ 69,000 | $ 11,000 |
| Anderson, South Carolina | 1 | $ 117,000 | $ 117,000 | $ 40,000 |
| Horry, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Anderson, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 59,000 |
| Benton, Tennessee | 1 | $ 87,000 | $ 87,000 | $ 33,000 |
| Blount, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Carter, Tennessee | 1 | $ 48,000 | $ 48,000 | $ 54,000 |
| Chester, Tennessee | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Coffee, Tennessee | 1 | $ 82,000 | $ 82,000 | $ 59,000 |
| Crockett, Tennessee | 1 | $ 92,000 | $ 92,000 | $ 40,000 |
| Dyer, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Fayette, Tennessee | 1 | $ 58,000 | $ 58,000 | $ 16,000 |
| Greene, Tennessee | 1 | $ 86,000 | $ 86,000 | $ 32,000 |
| Grundy, Tennessee | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Hamblen, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 23,000 |
| Hardeman, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Hardin, Tennessee | 1 | $ 59,000 | $ 59,000 | $ 37,000 |
| Henderson, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 44,000 |
| Hickman, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 43,000 |
| Humphreys, Tennessee | 1 | $ 106,000 | $ 106,000 | $ 45,000 |
| Johnson, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Lawrence, Tennessee | 1 | $ 56,000 | $ 56,000 | $ 19,000 |
| Loudon, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Marion, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 66,000 |
| Monroe, Tennessee | 1 | $ 117,000 | $ 117,000 | $ 61,000 |
| Montgomery, Tennessee | 1 | $ 134,000 | $ 134,000 | $ 38,000 |
| Moore, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Morgan, Tennessee | 1 | $ 96,000 | $ 96,000 | $ 44,000 |
| Overton, Tennessee | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Polk, Tennessee | 1 | $ 47,000 | $ 47,000 | $ 26,000 |
| Sullivan, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 29,000 |
| Bexar, Texas | 1 | $ 64,000 | $ 64,000 | $ 24,000 |
| Cameron, Texas | 1 | $ 74,000 | $ 74,000 | $ 123,000 |
| Harris, Texas | 1 | $ 289,000 | $ 289,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for First Choice Funding, Inc. in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,598 | $347,393,000 | $131,111 | $1,100,000 | $55,833 | $1,839,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,317 | $128,566,000 | $99,800 | $617,000 | $43,800 | $691,000 |
| Black or African American | 1,116 | $100,348,000 | $95,900 | $392,000 | $71,000 | $1,839,000 |
| White | 1,103 | $111,369,000 | $147,266 | $1,100,000 | $48,066 | $912,000 |
| Hispanic | 32 | $3,313,000 | $107,857 | $221,000 | $53,857 | $132,000 |
| Asian | 16 | $2,284,000 | $135,833 | $323,000 | $56,333 | $120,000 |
| American Indian or Alaskan Native | 14 | $1,513,000 | $102,200 | $270,000 | $48,200 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 3,596 | $347,260,000 | $131,111 | $1,100,000 | $55,833 | $1,839,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $133,000 | $66,500 | $73,000 | $35,500 | $41,000 |
| 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 | 2,152 | $211,075,000 | $123,909 | $856,000 | $67,727 | $1,839,000 |
| Application Denied By Financial Institution | 975 | $93,862,000 | $134,062 | $1,100,000 | $47,062 | $485,000 |
| Loan Originated | 360 | $31,892,000 | $101,714 | $345,000 | $65,428 | $312,000 |
| Application Withdrawn By Applicant | 111 | $10,564,000 | $101,428 | $238,000 | $54,142 | $365,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 909 | $86,752,000 | $122,866 | $1,100,000 | $50,866 | $485,000 |
| Credit History | 14 | $1,129,000 | $94,600 | $140,000 | $0 | $0 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $17,000 | $17,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Mortgage Insurance Denied | 1 | $34,000 | $34,000 | $34,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Choice Funding, Inc.'s 2004 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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