First Choice Funding, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, First Choice Funding, Inc. of Birmingham, AL reported 2,522 mortgage applications totaling $244.6 million, down 30% from 2004. The average application was for $96,980, and applicants reported an average income of $46,293. 20% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Birmingham-Hoover, AL (208), Jackson, MS (137) and Mobile, AL (114) (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 | 2,522 |
| Total Mortgage Loan Application Amount | $244,584,000 |
| Average Mortgage Loan Application Amount | $96,980 |
| Highest Mortgage Loan Application Amount | $818,000 |
| Average Applicant Income | $46,293 |
| Highest Applicant Income | $3,285,000 |
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records First Choice Funding, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 153 | $ 13,576,000 | $ 88,732 | $ 45,000 |
| Mobile, Alabama | 114 | $ 9,962,000 | $ 87,385 | $ 43,000 |
| Hinds, Mississippi | 107 | $ 8,082,000 | $ 75,532 | $ 35,000 |
| Tuscaloosa, Alabama | 85 | $ 9,654,000 | $ 113,576 | $ 65,000 |
| Lauderdale, Mississippi | 65 | $ 3,902,000 | $ 60,030 | $ 30,000 |
| Hamilton, Tennessee | 35 | $ 3,356,000 | $ 95,885 | $ 53,000 |
| Jackson, Mississippi | 32 | $ 2,698,000 | $ 84,312 | $ 43,000 |
| Baldwin, Alabama | 26 | $ 2,825,000 | $ 108,653 | $ 42,000 |
| Pearl River, Mississippi | 26 | $ 2,394,000 | $ 92,076 | $ 30,000 |
| Madison, Alabama | 25 | $ 2,389,000 | $ 95,560 | $ 45,000 |
| Harrison, Mississippi | 23 | $ 1,772,000 | $ 77,043 | $ 44,000 |
| Shelby, Alabama | 21 | $ 2,433,000 | $ 115,857 | $ 63,000 |
| Etowah, Alabama | 20 | $ 2,139,000 | $ 106,950 | $ 53,000 |
| Montgomery, Alabama | 19 | $ 1,742,000 | $ 91,684 | $ 47,000 |
| Hillsborough, Florida | 19 | $ 2,816,000 | $ 148,210 | $ 64,000 |
| Catoosa, Georgia | 19 | $ 3,136,000 | $ 165,052 | $ 76,000 |
| Duval, Florida | 18 | $ 1,977,000 | $ 109,833 | $ 42,000 |
| Marshall, Mississippi | 18 | $ 1,459,000 | $ 81,055 | $ 37,000 |
| St. Clair, Alabama | 17 | $ 1,786,000 | $ 105,058 | $ 45,000 |
| DeKalb, Georgia | 17 | $ 2,030,000 | $ 119,411 | $ 81,000 |
| Lee, Alabama | 16 | $ 1,800,000 | $ 112,500 | $ 55,000 |
| Alcorn, Mississippi | 16 | $ 1,676,000 | $ 104,750 | $ 34,000 |
| Shelby, Tennessee | 16 | $ 1,638,000 | $ 102,375 | $ 47,000 |
| Walker, Georgia | 15 | $ 943,000 | $ 62,866 | $ 56,000 |
| Prentiss, Mississippi | 15 | $ 828,000 | $ 55,200 | $ 33,000 |
| Orange, Florida | 14 | $ 2,500,000 | $ 178,571 | $ 99,000 |
| Fulton, Georgia | 14 | $ 1,873,000 | $ 133,785 | $ 65,000 |
| Monroe, Mississippi | 14 | $ 898,000 | $ 64,142 | $ 25,000 |
| Brevard, Florida | 13 | $ 1,638,000 | $ 126,000 | $ 74,000 |
| Assumption, Louisiana | 13 | $ 1,221,000 | $ 93,923 | $ 59,000 |
| Madison, Mississippi | 13 | $ 1,091,000 | $ 83,923 | $ 41,000 |
| Leon, Florida | 12 | $ 1,219,000 | $ 101,583 | $ 52,000 |
| Gwinnett, Georgia | 12 | $ 1,826,000 | $ 152,166 | $ 55,000 |
| Muscogee, Georgia | 12 | $ 1,338,000 | $ 111,500 | $ 58,000 |
| Tippah, Mississippi | 12 | $ 758,000 | $ 63,166 | $ 34,000 |
| Calhoun, Alabama | 11 | $ 1,002,000 | $ 91,090 | $ 43,000 |
| Cullman, Alabama | 11 | $ 1,080,000 | $ 98,181 | $ 36,000 |
| Rankin, Mississippi | 11 | $ 1,301,000 | $ 118,272 | $ 48,000 |
| Davidson, Tennessee | 11 | $ 1,127,000 | $ 102,454 | $ 57,000 |
| Dallas, Alabama | 10 | $ 721,000 | $ 72,100 | $ 40,000 |
| Morgan, Alabama | 10 | $ 825,000 | $ 82,500 | $ 36,000 |
| Mecklenburg, North Carolina | 10 | $ 1,083,000 | $ 108,300 | $ 60,000 |
| Blount, Alabama | 9 | $ 773,000 | $ 85,888 | $ 36,000 |
| Seminole, Florida | 9 | $ 1,340,000 | $ 148,888 | $ 58,000 |
| Gordon, Georgia | 9 | $ 771,000 | $ 85,666 | $ 62,000 |
| George, Mississippi | 9 | $ 886,000 | $ 98,444 | $ 50,000 |
| Cumberland, North Carolina | 9 | $ 709,000 | $ 78,777 | $ 52,000 |
| Bradley, Tennessee | 9 | $ 1,058,000 | $ 117,555 | $ 74,000 |
| Warren, Tennessee | 9 | $ 735,000 | $ 81,666 | $ 64,000 |
| Elmore, Alabama | 8 | $ 905,000 | $ 113,125 | $ 54,000 |
| East Baton Rouge, Louisiana | 8 | $ 817,000 | $ 102,125 | $ 48,000 |
| DeKalb, Alabama | 7 | $ 410,000 | $ 58,571 | $ 42,000 |
| Lawrence, Alabama | 7 | $ 453,000 | $ 64,714 | $ 42,000 |
| Russell, Alabama | 7 | $ 544,000 | $ 77,714 | $ 62,000 |
| Talladega, Alabama | 7 | $ 383,000 | $ 54,714 | $ 23,000 |
| Tallapoosa, Alabama | 7 | $ 492,000 | $ 70,285 | $ 28,000 |
| New London, Connecticut | 7 | $ 1,140,000 | $ 162,857 | $ 92,000 |
| Escambia, Florida | 7 | $ 754,000 | $ 107,714 | $ 56,000 |
| Coahoma, Mississippi | 7 | $ 364,000 | $ 52,000 | $ 23,000 |
| Bexar, Texas | 7 | $ 551,000 | $ 78,714 | $ 47,000 |
| Moore, Texas | 7 | $ 319,000 | $ 45,571 | $ 84,000 |
| Potter, Texas | 7 | $ 303,000 | $ 43,285 | $ 42,000 |
| Barbour, Alabama | 6 | $ 429,000 | $ 71,500 | $ 39,000 |
| Houston, Alabama | 6 | $ 271,000 | $ 45,166 | $ 49,000 |
| Pickens, Alabama | 6 | $ 311,000 | $ 51,833 | $ 28,000 |
| Pasco, Florida | 6 | $ 805,000 | $ 134,166 | $ 46,000 |
| Polk, Florida | 6 | $ 698,000 | $ 116,333 | $ 61,000 |
| Orleans, Louisiana | 6 | $ 1,196,000 | $ 199,333 | $ 89,000 |
| DeSoto, Mississippi | 6 | $ 603,000 | $ 100,500 | $ 27,000 |
| Lincoln, Mississippi | 6 | $ 492,000 | $ 82,000 | $ 41,000 |
| Tishomingo, Mississippi | 6 | $ 447,000 | $ 74,500 | $ 46,000 |
| Marshall, Alabama | 5 | $ 482,000 | $ 96,400 | $ 41,000 |
| Indian River, Florida | 5 | $ 1,099,000 | $ 219,800 | $ 115,000 |
| Bibb, Georgia | 5 | $ 457,000 | $ 91,400 | $ 42,000 |
| Carroll, Georgia | 5 | $ 582,000 | $ 116,400 | $ 64,000 |
| Chatham, Georgia | 5 | $ 768,000 | $ 153,600 | $ 60,000 |
| Cobb, Georgia | 5 | $ 905,000 | $ 181,000 | $ 84,000 |
| Douglas, Georgia | 5 | $ 621,000 | $ 124,200 | $ 86,000 |
| St. Tammany, Louisiana | 5 | $ 1,332,000 | $ 266,400 | $ 135,000 |
| Pontotoc, Mississippi | 5 | $ 553,000 | $ 110,600 | $ 37,000 |
| Lincoln, Tennessee | 5 | $ 403,000 | $ 80,600 | $ 31,000 |
| Randall, Texas | 5 | $ 529,000 | $ 105,800 | $ 68,000 |
| Coffee, Alabama | 4 | $ 331,000 | $ 82,750 | $ 32,000 |
| Colbert, Alabama | 4 | $ 263,000 | $ 65,750 | $ 39,000 |
| Osceola, Florida | 4 | $ 580,000 | $ 145,000 | $ 29,000 |
| Putnam, Florida | 4 | $ 622,000 | $ 155,500 | $ 69,000 |
| Sarasota, Florida | 4 | $ 534,000 | $ 133,500 | $ 98,000 |
| Clayton, Georgia | 4 | $ 516,000 | $ 129,000 | $ 63,000 |
| Rockdale, Georgia | 4 | $ 426,000 | $ 106,500 | $ 69,000 |
| Bolivar, Mississippi | 4 | $ 300,000 | $ 75,000 | $ 26,000 |
| Forrest, Mississippi | 4 | $ 418,000 | $ 104,500 | $ 41,000 |
| Panola, Mississippi | 4 | $ 323,000 | $ 80,750 | $ 42,000 |
| Perry, Mississippi | 4 | $ 351,000 | $ 87,750 | $ 55,000 |
| Simpson, Mississippi | 4 | $ 264,000 | $ 66,000 | $ 49,000 |
| Greenville, South Carolina | 4 | $ 709,000 | $ 177,250 | $ 76,000 |
| Coffee, Tennessee | 4 | $ 292,000 | $ 73,000 | $ 26,000 |
| Madison, Tennessee | 4 | $ 455,000 | $ 113,750 | $ 65,000 |
| Rutherford, Tennessee | 4 | $ 279,000 | $ 69,750 | $ 191,000 |
| Harris, Texas | 4 | $ 618,000 | $ 154,500 | $ 138,000 |
| Chambers, Alabama | 3 | $ 174,000 | $ 58,000 | $ 22,000 |
| Cherokee, Alabama | 3 | $ 473,000 | $ 157,666 | $ 49,000 |
| Chilton, Alabama | 3 | $ 285,000 | $ 95,000 | $ 58,000 |
| Coosa, Alabama | 3 | $ 219,000 | $ 73,000 | $ 40,000 |
| Dale, Alabama | 3 | $ 160,000 | $ 53,333 | $ 33,000 |
| Fayette, Alabama | 3 | $ 235,000 | $ 78,333 | $ 28,000 |
| Hale, Alabama | 3 | $ 263,000 | $ 87,666 | $ 32,000 |
| Lauderdale, Alabama | 3 | $ 282,000 | $ 94,000 | $ 84,000 |
| Limestone, Alabama | 3 | $ 405,000 | $ 135,000 | $ 38,000 |
| Lowndes, Alabama | 3 | $ 201,000 | $ 67,000 | $ 27,000 |
| Walker, Alabama | 3 | $ 296,000 | $ 98,666 | $ 52,000 |
| Wilcox, Alabama | 3 | $ 422,000 | $ 140,666 | $ 93,000 |
| Windham, Connecticut | 3 | $ 365,000 | $ 121,666 | $ 61,000 |
| Broward, Florida | 3 | $ 505,000 | $ 168,333 | $ 67,000 |
| Lake, Florida | 3 | $ 1,171,000 | $ 390,333 | $ 119,000 |
| Lee, Florida | 3 | $ 527,000 | $ 175,666 | $ 44,000 |
| Palm Beach, Florida | 3 | $ 1,013,000 | $ 337,666 | $ 99,000 |
| Pinellas, Florida | 3 | $ 473,000 | $ 157,666 | $ 53,000 |
| Volusia, Florida | 3 | $ 308,000 | $ 102,666 | $ 23,000 |
| Wakulla, Florida | 3 | $ 193,000 | $ 64,333 | $ 75,000 |
| Walton, Florida | 3 | $ 383,000 | $ 127,666 | $ 40,000 |
| Fayette, Georgia | 3 | $ 706,000 | $ 235,333 | $ 97,000 |
| Hall, Georgia | 3 | $ 438,000 | $ 146,000 | $ 136,000 |
| Paulding, Georgia | 3 | $ 234,000 | $ 78,000 | $ 36,000 |
| Thomas, Georgia | 3 | $ 281,000 | $ 93,666 | $ 38,000 |
| Whitfield, Georgia | 3 | $ 336,000 | $ 112,000 | $ 37,000 |
| Iberville, Louisiana | 3 | $ 305,000 | $ 101,666 | $ 40,000 |
| Jefferson, Louisiana | 3 | $ 232,000 | $ 77,333 | $ 21,000 |
| Lafayette, Louisiana | 3 | $ 552,000 | $ 184,000 | $ 66,000 |
| St. Charles, Louisiana | 3 | $ 406,000 | $ 135,333 | $ 54,000 |
| Benton, Mississippi | 3 | $ 180,000 | $ 60,000 | $ 22,000 |
| Hancock, Mississippi | 3 | $ 375,000 | $ 125,000 | $ 24,000 |
| Jefferson Davis, Mississippi | 3 | $ 155,000 | $ 51,666 | $ 39,000 |
| Jones, Mississippi | 3 | $ 243,000 | $ 81,000 | $ 35,000 |
| Kemper, Mississippi | 3 | $ 159,000 | $ 53,000 | $ 20,000 |
| Lawrence, Mississippi | 3 | $ 194,000 | $ 64,666 | $ 28,000 |
| Lee, Mississippi | 3 | $ 326,000 | $ 108,666 | $ 55,000 |
| Newton, Mississippi | 3 | $ 288,000 | $ 96,000 | $ 83,000 |
| Oktibbeha, Mississippi | 3 | $ 251,000 | $ 83,666 | $ 33,000 |
| Tallahatchie, Mississippi | 3 | $ 159,000 | $ 53,000 | $ 24,000 |
| Tate, Mississippi | 3 | $ 479,000 | $ 159,666 | $ 44,000 |
| Winston, Mississippi | 3 | $ 165,000 | $ 55,000 | $ 27,000 |
| St. Louis, Missouri | 3 | $ 819,000 | $ 273,000 | $ 72,000 |
| Lee, North Carolina | 3 | $ 170,000 | $ 56,666 | $ 47,000 |
| Sequatchie, Tennessee | 3 | $ 459,000 | $ 153,000 | $ 414,000 |
| Clay, Texas | 3 | $ 100,000 | $ 33,333 | $ 45,000 |
| Bibb, Alabama | 2 | $ 138,000 | $ 69,000 | $ 43,000 |
| Clarke, Alabama | 2 | $ 130,000 | $ 65,000 | $ 52,000 |
| Greene, Alabama | 2 | $ 152,000 | $ 76,000 | $ 51,000 |
| Jackson, Alabama | 2 | $ 197,000 | $ 98,500 | $ 91,000 |
| Macon, Alabama | 2 | $ 122,000 | $ 61,000 | $ 25,000 |
| Marengo, Alabama | 2 | $ 239,000 | $ 119,500 | $ 41,000 |
| Marion, Alabama | 2 | $ 123,000 | $ 61,500 | $ 36,000 |
| Middlesex, Connecticut | 2 | $ 665,000 | $ 332,500 | $ 81,000 |
| Bay, Florida | 2 | $ 212,000 | $ 106,000 | $ 68,000 |
| Citrus, Florida | 2 | $ 150,000 | $ 75,000 | $ 85,000 |
| Jackson, Florida | 2 | $ 109,000 | $ 54,500 | $ 49,000 |
| Okaloosa, Florida | 2 | $ 308,000 | $ 154,000 | $ 115,000 |
| St. Lucie, Florida | 2 | $ 142,000 | $ 71,000 | $ 34,000 |
| Cherokee, Georgia | 2 | $ 323,000 | $ 161,500 | $ 78,000 |
| Coffee, Georgia | 2 | $ 126,000 | $ 63,000 | $ 47,000 |
| Glynn, Georgia | 2 | $ 356,000 | $ 178,000 | $ 169,000 |
| Miller, Georgia | 2 | $ 115,000 | $ 57,500 | $ 36,000 |
| Newton, Georgia | 2 | $ 233,000 | $ 116,500 | $ 48,000 |
| Richmond, Georgia | 2 | $ 218,000 | $ 109,000 | $ 46,000 |
| Seminole, Georgia | 2 | $ 181,000 | $ 90,500 | $ 60,000 |
| Cook, Illinois | 2 | $ 342,000 | $ 171,000 | $ 57,000 |
| Bartholomew, Indiana | 2 | $ 79,000 | $ 39,500 | $ 47,000 |
| Ascension, Louisiana | 2 | $ 190,000 | $ 95,000 | $ 26,000 |
| Washington, Louisiana | 2 | $ 176,000 | $ 88,000 | $ 63,000 |
| Chickasaw, Mississippi | 2 | $ 119,000 | $ 59,500 | $ 50,000 |
| Copiah, Mississippi | 2 | $ 124,000 | $ 62,000 | $ 24,000 |
| Covington, Mississippi | 2 | $ 129,000 | $ 64,500 | $ 63,000 |
| Greene, Mississippi | 2 | $ 161,000 | $ 80,500 | $ 47,000 |
| Itawamba, Mississippi | 2 | $ 260,000 | $ 130,000 | $ 56,000 |
| Leake, Mississippi | 2 | $ 198,000 | $ 99,000 | $ 50,000 |
| Neshoba, Mississippi | 2 | $ 182,000 | $ 91,000 | $ 37,000 |
| Scott, Mississippi | 2 | $ 110,000 | $ 55,000 | $ 48,000 |
| Union, Mississippi | 2 | $ 133,000 | $ 66,500 | $ 32,000 |
| Warren, Mississippi | 2 | $ 238,000 | $ 119,000 | $ 14,000 |
| Wayne, Mississippi | 2 | $ 120,000 | $ 60,000 | $ 31,000 |
| Yazoo, Mississippi | 2 | $ 108,000 | $ 54,000 | $ 19,000 |
| Durham, North Carolina | 2 | $ 153,000 | $ 76,500 | $ 242,000 |
| Guilford, North Carolina | 2 | $ 169,000 | $ 84,500 | $ 52,000 |
| Madison, North Carolina | 2 | $ 224,000 | $ 112,000 | $ 112,000 |
| Carroll, Tennessee | 2 | $ 69,000 | $ 34,500 | $ 35,000 |
| Cheatham, Tennessee | 2 | $ 195,000 | $ 97,500 | $ 38,000 |
| Marion, Tennessee | 2 | $ 133,000 | $ 66,500 | $ 26,000 |
| Marshall, Tennessee | 2 | $ 171,000 | $ 85,500 | $ 28,000 |
| McMinn, Tennessee | 2 | $ 182,000 | $ 91,000 | $ 40,000 |
| Putnam, Tennessee | 2 | $ 198,000 | $ 99,000 | $ 29,000 |
| Williamson, Tennessee | 2 | $ 444,000 | $ 222,000 | $ 90,000 |
| Comal, Texas | 2 | $ 94,000 | $ 47,000 | $ 30,000 |
| Dallas, Texas | 2 | $ 128,000 | $ 64,000 | $ 49,000 |
| Denton, Texas | 2 | $ 295,000 | $ 147,500 | $ 70,000 |
| Lubbock, Texas | 2 | $ 148,000 | $ 74,000 | $ 84,000 |
| Nueces, Texas | 2 | $ 201,000 | $ 100,500 | $ 127,000 |
| Autauga, Alabama | 1 | $ 129,000 | $ 129,000 | $ 30,000 |
| Clay, Alabama | 1 | $ 68,000 | $ 68,000 | $ 45,000 |
| Crenshaw, Alabama | 1 | $ 36,000 | $ 36,000 | $ 39,000 |
| Escambia, Alabama | 1 | $ 73,000 | $ 73,000 | $ 43,000 |
| Lamar, Alabama | 1 | $ 38,000 | $ 38,000 | $ 35,000 |
| Monroe, Alabama | 1 | $ 225,000 | $ 225,000 | $ 46,000 |
| Pike, Alabama | 1 | $ 137,000 | $ 137,000 | $ 36,000 |
| Randolph, Alabama | 1 | $ 57,000 | $ 57,000 | $ 11,000 |
| Jefferson, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 20,000 |
| Fairfield, Connecticut | 1 | $ 328,000 | $ 328,000 | $ 71,000 |
| Charlotte, Florida | 1 | $ 188,000 | $ 188,000 | $ 60,000 |
| Clay, Florida | 1 | $ 122,000 | $ 122,000 | $ 52,000 |
| Flagler, Florida | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Franklin, Florida | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Gadsden, Florida | 1 | $ 71,000 | $ 71,000 | $ 79,000 |
| Marion, Florida | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Miami-Dade, Florida | 1 | $ 117,000 | $ 117,000 | $ 72,000 |
| Santa Rosa, Florida | 1 | $ 187,000 | $ 187,000 | $ 49,000 |
| St. Johns, Florida | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Bartow, Georgia | 1 | $ 406,000 | $ 406,000 | $ 72,000 |
| Coweta, Georgia | 1 | $ 230,000 | $ 230,000 | $ 773,000 |
| Crisp, Georgia | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Decatur, Georgia | 1 | $ 130,000 | $ 130,000 | $ 33,000 |
| Early, Georgia | 1 | $ 42,000 | $ 42,000 | $ 118,000 |
| Floyd, Georgia | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Henry, Georgia | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Houston, Georgia | 1 | $ 49,000 | $ 49,000 | $ 23,000 |
| Mitchell, Georgia | 1 | $ 77,000 | $ 77,000 | $ 174,000 |
| Polk, Georgia | 1 | $ 150,000 | $ 150,000 | $ 71,000 |
| Sumter, Georgia | 1 | $ 59,000 | $ 59,000 | $ 39,000 |
| Clinton, Illinois | 1 | $ 64,000 | $ 64,000 | $ 66,000 |
| Will, Illinois | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| Jennings, Indiana | 1 | $ 63,000 | $ 63,000 | $ 42,000 |
| Lake, Indiana | 1 | $ 75,000 | $ 75,000 | $ 194,000 |
| Wyandotte, Kansas | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Rowan, Kentucky | 1 | $ 101,000 | $ 101,000 | $ 25,000 |
| Allen, Louisiana | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Avoyelles, Louisiana | 1 | $ 44,000 | $ 44,000 | $ 19,000 |
| Calcasieu, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| De Soto, Louisiana | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Iberia, Louisiana | 1 | $ 108,000 | $ 108,000 | $ 58,000 |
| Jefferson Davis, Louisiana | 1 | $ 58,000 | $ 58,000 | $ 12,000 |
| Livingston, Louisiana | 1 | $ 89,000 | $ 89,000 | $ 38,000 |
| Pointe Coupee, Louisiana | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Rapides, Louisiana | 1 | $ 68,000 | $ 68,000 | $ 29,000 |
| St. John the Baptist, Louisiana | 1 | $ 142,000 | $ 142,000 | $ 21,000 |
| Terrebonne, Louisiana | 1 | $ 44,000 | $ 44,000 | $ 41,000 |
| Vernon, Louisiana | 1 | $ 70,000 | $ 70,000 | $ 18,000 |
| Oakland, Michigan | 1 | $ 81,000 | $ 81,000 | $ 26,000 |
| Wayne, Michigan | 1 | $ 223,000 | $ 223,000 | $ 78,000 |
| Calhoun, Mississippi | 1 | $ 41,000 | $ 41,000 | $ 15,000 |
| Holmes, Mississippi | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Jasper, Mississippi | 1 | $ 52,000 | $ 52,000 | $ 21,000 |
| Jefferson, Mississippi | 1 | $ 58,000 | $ 58,000 | $ 47,000 |
| Leflore, Mississippi | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Lowndes, Mississippi | 1 | $ 56,000 | $ 56,000 | $ 31,000 |
| Marion, Mississippi | 1 | $ 130,000 | $ 130,000 | $ 53,000 |
| Noxubee, Mississippi | 1 | $ 43,000 | $ 43,000 | $ 17,000 |
| Stone, Mississippi | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| Tunica, Mississippi | 1 | $ 43,000 | $ 43,000 | $ 22,000 |
| Walthall, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Washington, Mississippi | 1 | $ 114,000 | $ 114,000 | $ 24,000 |
| Douglas, Nebraska | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
| Cabarrus, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Caldwell, North Carolina | 1 | $ 74,000 | $ 74,000 | $ 30,000 |
| Catawba, North Carolina | 1 | $ 86,000 | $ 86,000 | $ 25,000 |
| Hamilton, Ohio | 1 | $ 157,000 | $ 157,000 | $ 32,000 |
| Tulsa, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 144,000 |
| Beaufort, South Carolina | 1 | $ 131,000 | $ 131,000 | $ 45,000 |
| Cherokee, South Carolina | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
| Horry, South Carolina | 1 | $ 224,000 | $ 224,000 | $ 229,000 |
| Laurens, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Benton, Tennessee | 1 | $ 40,000 | $ 40,000 | $ 24,000 |
| Campbell, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Chester, Tennessee | 1 | $ 71,000 | $ 71,000 | $ 24,000 |
| Decatur, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Dyer, Tennessee | 1 | $ 51,000 | $ 51,000 | $ 46,000 |
| Fayette, Tennessee | 1 | $ 38,000 | $ 38,000 | $ 55,000 |
| Giles, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 21,000 |
| Grundy, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Hardin, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Hawkins, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Jefferson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Knox, Tennessee | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Maury, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| McNairy, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Rhea, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Sevier, Tennessee | 1 | $ 141,000 | $ 141,000 | $ 648,000 |
| Washington, Tennessee | 1 | $ 103,000 | $ 103,000 | $ 42,000 |
| Wilson, Tennessee | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Brazoria, Texas | 1 | $ 104,000 | $ 104,000 | $ 110,000 |
| Brown, Texas | 1 | $ 80,000 | $ 80,000 | $ 35,000 |
| Delta, Texas | 1 | $ 92,000 | $ 92,000 | $ 23,000 |
| Ellis, Texas | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Fort Bend, Texas | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Hays, Texas | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Jim Wells, Texas | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Kaufman, Texas | 1 | $ 60,000 | $ 60,000 | $ 80,000 |
| Lamar, Texas | 1 | $ 90,000 | $ 90,000 | $ 76,000 |
| Parker, Texas | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Smith, Texas | 1 | $ 110,000 | $ 110,000 | $ 114,000 |
| Taylor, Texas | 1 | $ 111,000 | $ 111,000 | $ 42,000 |
| Walker, Texas | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Danville, Virginia | 1 | $ 92,000 | $ 92,000 | $ 109,000 |
| Portsmouth, Virginia | 1 | $ 51,000 | $ 51,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for First Choice Funding, Inc. in 2005
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 | 2,024 | $189,783,000 | $110,500 | $750,000 | $63,450 | $3,285,000 |
| Refinancing | 498 | $54,801,000 | $138,705 | $818,000 | $59,764 | $780,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 990 | $100,817,000 | $117,875 | $818,000 | $74,875 | $3,285,000 |
| Black or African American | 921 | $80,298,000 | $108,375 | $679,000 | $52,875 | $882,000 |
| Not Provided | 530 | $52,913,000 | $126,066 | $750,000 | $56,000 | $1,718,000 |
| Hispanic | 61 | $6,947,000 | $103,250 | $464,000 | $47,125 | $320,000 |
| Asian | 15 | $2,993,000 | $222,833 | $365,000 | $83,166 | $311,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $376,000 | $128,000 | $192,000 | $50,500 | $54,000 |
| American Indian or Alaskan Native | 2 | $240,000 | $120,000 | $165,000 | $33,500 | $40,000 |
| 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) | 2,522 | $244,584,000 | $119,863 | $818,000 | $61,409 | $3,285,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 1,430 | $142,080,000 | $130,647 | $818,000 | $64,411 | $3,285,000 |
| Loan Originated | 492 | $45,768,000 | $132,181 | $561,000 | $75,272 | $648,000 |
| Application Denied By Financial Institution | 442 | $42,334,000 | $105,277 | $750,000 | $53,666 | $780,000 |
| Application Withdrawn By Applicant | 158 | $14,402,000 | $92,500 | $750,000 | $56,900 | $241,000 |
| 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 | 441 | $42,149,000 | $105,222 | $750,000 | $53,555 | $780,000 |
| Unverifiable Information | 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 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Choice Funding, Inc.'s 2005 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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