First Choice Loan Services Inc. Mortgage Lending & HMDA Data, 2018
In 2018, First Choice Loan Services Inc. of East Brunswick, NJ reported 11,060 mortgage applications totaling $3.6 billion, down 3% from 2017. The average application was for $326,330, and applicants reported an average income of $134,183. 69% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (964), Dallas-Plano-Irving, TX (765) and Phoenix-Mesa-Scottsdale, AZ (709) (applications in parentheses).
| Mortgage Company & Address | First Choice Loan Services Inc. One Tower Center, Floor #18 East Brunswick, NJ 08816 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 11,060 |
| Total Mortgage Loan Application Amount | $3,609,210,000 |
| Average Mortgage Loan Application Amount | $326,330 |
| Highest Mortgage Loan Application Amount | $11,005,000 |
| Average Applicant Income | $134,183 |
| Highest Applicant Income | $9,166,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Choice Loan Services Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cambridge-Newton-Framingham, MA | 964 | $ 455,960,000 | $ 472,987 | $ 185,000 |
| Dallas-Plano-Irving, TX | 765 | $ 216,475,000 | $ 282,973 | $ 121,000 |
| Phoenix-Mesa-Scottsdale, AZ | 709 | $ 202,605,000 | $ 285,761 | $ 112,000 |
| Houston-The Woodlands-Sugar Land, TX | 618 | $ 149,720,000 | $ 242,265 | $ 106,000 |
| Riverside-San Bernardino-Ontario, CA | 598 | $ 159,480,000 | $ 266,688 | $ 90,000 |
| Outside any metro area | 584 | $ 144,750,000 | $ 247,859 | $ 128,498 |
| Boston, MA | 437 | $ 230,205,000 | $ 526,784 | $ 235,000 |
| Montgomery County-Bucks County-Chester County, PA | 418 | $ 123,790,000 | $ 296,148 | $ 127,000 |
| Los Angeles-Long Beach-Glendale, CA | 385 | $ 167,555,000 | $ 435,207 | $ 134,000 |
| New York-Jersey City-White Plains, NY-NJ | 336 | $ 115,930,000 | $ 345,029 | $ 169,928 |
| Fort Worth-Arlington, TX | 302 | $ 75,290,000 | $ 249,304 | $ 101,000 |
| San Diego-Carlsbad, CA | 232 | $ 102,900,000 | $ 443,534 | $ 136,000 |
| Philadelphia, PA | 199 | $ 65,945,000 | $ 331,381 | $ 144,000 |
| Trenton, NJ | 131 | $ 40,165,000 | $ 306,603 | $ 150,000 |
| Anaheim-Santa Ana-Irvine, CA | 127 | $ 56,195,000 | $ 442,480 | $ 132,000 |
| Austin-Round Rock, TX | 126 | $ 40,670,000 | $ 322,777 | $ 128,000 |
| Las Vegas-Henderson-Paradise, NV | 126 | $ 36,490,000 | $ 289,603 | $ 129,000 |
| Denver-Aurora-Lakewood, CO | 125 | $ 46,325,000 | $ 370,600 | $ 144,000 |
| Worcester, MA-CT | 116 | $ 38,240,000 | $ 329,655 | $ 128,775 |
| Seattle-Bellevue-Everett, WA | 112 | $ 45,340,000 | $ 404,821 | $ 154,000 |
| Reading, PA | 111 | $ 17,265,000 | $ 155,540 | $ 71,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 106 | $ 35,870,000 | $ 338,396 | $ 123,415 |
| Oakland-Hayward-Berkeley, CA | 103 | $ 50,745,000 | $ 492,669 | $ 152,000 |
| Newark, NJ-PA | 101 | $ 34,085,000 | $ 337,475 | $ 159,247 |
| San Antonio-New Braunfels, TX | 96 | $ 25,440,000 | $ 265,000 | $ 114,000 |
| Hartford-West Hartford-East Hartford, CT | 94 | $ 25,710,000 | $ 273,510 | $ 191,000 |
| Atlanta-Sandy Springs-Roswell, GA | 91 | $ 27,905,000 | $ 306,648 | $ 131,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 82 | $ 33,050,000 | $ 403,048 | $ 133,621 |
| Reno, NV | 78 | $ 23,700,000 | $ 303,846 | $ 113,000 |
| Providence-Warwick, RI-MA | 69 | $ 21,755,000 | $ 315,289 | $ 116,739 |
| Sacramento--Roseville--Arden-Arcade, CA | 69 | $ 23,885,000 | $ 346,159 | $ 134,000 |
| Chicago-Naperville-Arlington Heights, IL | 68 | $ 20,680,000 | $ 304,117 | $ 141,000 |
| Camden, NJ | 62 | $ 17,380,000 | $ 280,322 | $ 150,000 |
| Springfield, MA | 59 | $ 12,295,000 | $ 208,389 | $ 99,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 51 | $ 10,755,000 | $ 210,882 | $ 93,647 |
| Barnstable Town, MA | 50 | $ 18,430,000 | $ 368,600 | $ 236,000 |
| Rockingham County-Strafford County, NH | 50 | $ 15,950,000 | $ 319,000 | $ 118,000 |
| Santa Fe, NM | 50 | $ 28,190,000 | $ 563,800 | $ 145,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 48 | $ 14,590,000 | $ 303,958 | $ 138,000 |
| Salt Lake City, UT | 48 | $ 17,040,000 | $ 355,000 | $ 138,000 |
| Tampa-St. Petersburg-Clearwater, FL | 47 | $ 12,065,000 | $ 256,702 | $ 123,000 |
| Charlotte-Concord-Gastonia, NC-SC | 46 | $ 11,290,000 | $ 245,434 | $ 97,478 |
| Miami-Miami Beach-Kendall, FL | 41 | $ 18,565,000 | $ 452,804 | $ 229,000 |
| Norwich-New London, CT | 41 | $ 14,875,000 | $ 362,804 | $ 219,000 |
| Warren-Troy-Farmington Hills, MI | 41 | $ 10,565,000 | $ 257,682 | $ 127,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 40 | $ 12,680,000 | $ 317,000 | $ 121,000 |
| Orlando-Kissimmee-Sanford, FL | 40 | $ 12,770,000 | $ 319,250 | $ 147,000 |
| Brownsville-Harlingen, TX | 39 | $ 7,925,000 | $ 203,205 | $ 99,000 |
| New Orleans-Metairie, LA | 38 | $ 7,000,000 | $ 184,210 | $ 78,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 36 | $ 12,500,000 | $ 347,222 | $ 136,000 |
| Pittsfield, MA | 35 | $ 7,015,000 | $ 200,428 | $ 127,000 |
| Tucson, AZ | 34 | $ 8,830,000 | $ 259,705 | $ 94,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 33 | $ 10,055,000 | $ 304,696 | $ 150,000 |
| Vallejo-Fairfield, CA | 32 | $ 9,650,000 | $ 301,562 | $ 97,000 |
| Albany-Schenectady-Troy, NY | 30 | $ 6,180,000 | $ 206,000 | $ 96,000 |
| Stockton-Lodi, CA | 30 | $ 9,610,000 | $ 320,333 | $ 107,000 |
| Tacoma-Lakewood, WA | 30 | $ 10,950,000 | $ 365,000 | $ 121,000 |
| Boise City, ID | 29 | $ 8,355,000 | $ 288,103 | $ 135,000 |
| Fresno, CA | 29 | $ 7,925,000 | $ 273,275 | $ 136,000 |
| Manchester-Nashua, NH | 27 | $ 7,755,000 | $ 287,222 | $ 114,000 |
| Modesto, CA | 27 | $ 7,995,000 | $ 296,111 | $ 107,000 |
| Silver Spring-Frederick-Rockville, MD | 27 | $ 10,525,000 | $ 389,814 | $ 165,000 |
| Bridgeport-Stamford-Norwalk, CT | 26 | $ 13,010,000 | $ 500,384 | $ 183,000 |
| Baltimore-Columbia-Towson, MD | 25 | $ 7,725,000 | $ 309,000 | $ 122,000 |
| New Haven-Milford, CT | 25 | $ 5,295,000 | $ 211,800 | $ 99,000 |
| Prescott, AZ | 25 | $ 7,085,000 | $ 283,400 | $ 96,000 |
| Memphis, TN-MS-AR | 23 | $ 3,435,000 | $ 149,347 | $ 107,347 |
| Ogden-Clearfield, UT | 23 | $ 6,865,000 | $ 298,478 | $ 97,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 23 | $ 11,675,000 | $ 507,608 | $ 166,000 |
| Utica-Rome, NY | 23 | $ 2,605,000 | $ 113,260 | $ 72,000 |
| Raleigh, NC | 22 | $ 6,820,000 | $ 310,000 | $ 131,000 |
| San Francisco-Redwood City-South San Francisco, CA | 22 | $ 12,220,000 | $ 555,454 | $ 161,000 |
| Bend-Redmond, OR | 21 | $ 6,445,000 | $ 306,904 | $ 114,000 |
| North Port-Sarasota-Bradenton, FL | 21 | $ 6,835,000 | $ 325,476 | $ 191,000 |
| Albuquerque, NM | 20 | $ 5,490,000 | $ 274,500 | $ 142,000 |
| Crestview-Fort Walton Beach-Destin, FL | 20 | $ 5,410,000 | $ 270,500 | $ 108,000 |
| Jacksonville, FL | 20 | $ 7,320,000 | $ 366,000 | $ 179,000 |
| Killeen-Temple, TX | 20 | $ 4,660,000 | $ 233,000 | $ 95,000 |
| Provo-Orem, UT | 20 | $ 6,760,000 | $ 338,000 | $ 115,000 |
| Wilmington, DE-MD-NJ | 20 | $ 5,250,000 | $ 262,500 | $ 136,100 |
| Kansas City, MO-KS | 19 | $ 4,885,000 | $ 257,105 | $ 105,157 |
| Urban Honolulu, HI | 19 | $ 8,325,000 | $ 438,157 | $ 144,000 |
| Columbus, OH | 18 | $ 3,960,000 | $ 220,000 | $ 78,000 |
| Nassau County-Suffolk County, NY | 16 | $ 5,450,000 | $ 340,625 | $ 139,000 |
| Cleveland-Elyria, OH | 15 | $ 2,615,000 | $ 174,333 | $ 111,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 15 | $ 7,885,000 | $ 525,666 | $ 163,000 |
| St. Louis, MO-IL | 15 | $ 4,085,000 | $ 272,333 | $ 107,533 |
| Anchorage, AK | 14 | $ 4,240,000 | $ 302,857 | $ 129,000 |
| Indianapolis-Carmel-Anderson, IN | 14 | $ 3,870,000 | $ 276,428 | $ 108,000 |
| Ocean City, NJ | 13 | $ 6,245,000 | $ 480,384 | $ 302,000 |
| Richmond, VA | 13 | $ 3,285,000 | $ 252,692 | $ 122,000 |
| Elgin, IL | 12 | $ 2,930,000 | $ 244,166 | $ 111,000 |
| Longview, TX | 12 | $ 2,280,000 | $ 190,000 | $ 63,000 |
| Spokane-Spokane Valley, WA | 12 | $ 3,270,000 | $ 272,500 | $ 117,000 |
| Bakersfield, CA | 11 | $ 2,675,000 | $ 243,181 | $ 138,000 |
| Birmingham-Hoover, AL | 11 | $ 1,935,000 | $ 175,909 | $ 114,000 |
| Coeur D'Alene, ID | 11 | $ 2,715,000 | $ 246,818 | $ 67,000 |
| College Station-Bryan, TX | 11 | $ 2,475,000 | $ 225,000 | $ 116,000 |
| El Paso, TX | 11 | $ 2,295,000 | $ 208,636 | $ 89,000 |
| Naples-Immokalee-Marco Island, FL | 11 | $ 3,045,000 | $ 276,818 | $ 136,000 |
| Olympia-Tumwater, WA | 11 | $ 3,425,000 | $ 311,363 | $ 116,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 2,655,000 | $ 241,363 | $ 132,000 |
| Syracuse, NY | 11 | $ 1,555,000 | $ 141,363 | $ 85,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 2,735,000 | $ 248,636 | $ 98,000 |
| Bremerton-Silverdale, WA | 10 | $ 3,440,000 | $ 344,000 | $ 118,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,420,000 | $ 242,000 | $ 114,000 |
| East Stroudsburg, PA | 10 | $ 1,540,000 | $ 154,000 | $ 90,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 2,090,000 | $ 209,000 | $ 117,900 |
| Napa, CA | 10 | $ 4,340,000 | $ 434,000 | $ 148,000 |
| Portland-South Portland, ME | 10 | $ 4,500,000 | $ 450,000 | $ 166,000 |
| Salinas, CA | 10 | $ 4,500,000 | $ 450,000 | $ 131,000 |
| Santa Rosa, CA | 10 | $ 4,260,000 | $ 426,000 | $ 132,000 |
| Visalia-Porterville, CA | 10 | $ 2,390,000 | $ 239,000 | $ 87,000 |
| Charleston-North Charleston, SC | 9 | $ 2,705,000 | $ 300,555 | $ 140,000 |
| Durham-Chapel Hill, NC | 9 | $ 1,835,000 | $ 203,888 | $ 82,000 |
| Flagstaff, AZ | 9 | $ 3,565,000 | $ 396,111 | $ 297,000 |
| Medford, OR | 9 | $ 2,785,000 | $ 309,444 | $ 89,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 2,185,000 | $ 242,777 | $ 114,000 |
| Panama City, FL | 9 | $ 1,915,000 | $ 212,777 | $ 106,000 |
| Pittsburgh, PA | 9 | $ 2,915,000 | $ 323,888 | $ 154,000 |
| Salem, OR | 9 | $ 2,625,000 | $ 291,666 | $ 99,000 |
| Boulder, CO | 8 | $ 3,200,000 | $ 400,000 | $ 122,000 |
| Chattanooga, TN-GA | 8 | $ 1,840,000 | $ 230,000 | $ 109,500 |
| Detroit-Dearborn-Livonia, MI | 8 | $ 1,280,000 | $ 160,000 | $ 85,000 |
| Grand Rapids-Wyoming, MI | 8 | $ 2,020,000 | $ 252,500 | $ 134,000 |
| Kahului-Wailuku-Lahaina, HI | 8 | $ 4,180,000 | $ 522,500 | $ 217,000 |
| McAllen-Edinburg-Mission, TX | 8 | $ 1,550,000 | $ 193,750 | $ 94,000 |
| Winston-Salem, NC | 8 | $ 1,710,000 | $ 213,750 | $ 86,000 |
| Yakima, WA | 8 | $ 1,720,000 | $ 215,000 | $ 136,000 |
| Ann Arbor, MI | 7 | $ 1,785,000 | $ 255,000 | $ 134,000 |
| Auburn-Opelika, AL | 7 | $ 1,225,000 | $ 175,000 | $ 120,000 |
| Beaumont-Port Arthur, TX | 7 | $ 1,095,000 | $ 156,428 | $ 64,000 |
| Cincinnati, OH-KY-IN | 7 | $ 2,235,000 | $ 319,285 | $ 168,000 |
| Colorado Springs, CO | 7 | $ 2,425,000 | $ 346,428 | $ 105,000 |
| Corpus Christi, TX | 7 | $ 1,525,000 | $ 217,857 | $ 73,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,435,000 | $ 205,000 | $ 137,000 |
| Eugene, OR | 7 | $ 1,775,000 | $ 253,571 | $ 102,000 |
| Lake Havasu City-Kingman, AZ | 7 | $ 1,565,000 | $ 223,571 | $ 98,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 1,995,000 | $ 285,000 | $ 112,000 |
| Sherman-Denison, TX | 7 | $ 1,795,000 | $ 256,428 | $ 201,000 |
| Columbia, SC | 6 | $ 1,590,000 | $ 265,000 | $ 73,000 |
| El Centro, CA | 6 | $ 1,460,000 | $ 243,333 | $ 84,000 |
| Fort Collins, CO | 6 | $ 1,780,000 | $ 296,666 | $ 102,000 |
| Jackson, MS | 6 | $ 1,450,000 | $ 241,666 | $ 137,000 |
| Kennewick-Richland, WA | 6 | $ 2,220,000 | $ 370,000 | $ 151,000 |
| Knoxville, TN | 6 | $ 2,250,000 | $ 375,000 | $ 113,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,590,000 | $ 265,000 | $ 86,000 |
| St. George, UT | 6 | $ 1,920,000 | $ 320,000 | $ 125,000 |
| Texarkana, TX-AR | 6 | $ 1,090,000 | $ 181,666 | $ 55,000 |
| Tulsa, OK | 6 | $ 1,510,000 | $ 251,666 | $ 155,000 |
| Bellingham, WA | 5 | $ 2,295,000 | $ 459,000 | $ 116,000 |
| Chico, CA | 5 | $ 1,805,000 | $ 361,000 | $ 123,000 |
| Columbus, GA-AL | 5 | $ 515,000 | $ 103,000 | $ 41,600 |
| Dayton, OH | 5 | $ 1,115,000 | $ 223,000 | $ 118,000 |
| Gainesville, GA | 5 | $ 985,000 | $ 197,000 | $ 67,000 |
| Gulfport-Biloxi-Pascagoula, MS | 5 | $ 1,395,000 | $ 279,000 | $ 138,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,495,000 | $ 299,000 | $ 172,400 |
| Lawton, OK | 5 | $ 845,000 | $ 169,000 | $ 75,000 |
| Madera, CA | 5 | $ 1,135,000 | $ 227,000 | $ 119,000 |
| Oklahoma City, OK | 5 | $ 795,000 | $ 159,000 | $ 77,000 |
| Port St. Lucie, FL | 5 | $ 1,195,000 | $ 239,000 | $ 121,000 |
| Salisbury, MD-DE | 5 | $ 1,315,000 | $ 263,000 | $ 162,200 |
| Santa Cruz-Watsonville, CA | 5 | $ 2,845,000 | $ 569,000 | $ 133,000 |
| Toledo, OH | 5 | $ 845,000 | $ 169,000 | $ 106,000 |
| Abilene, TX | 4 | $ 740,000 | $ 185,000 | $ 67,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 710,000 | $ 177,500 | $ 143,000 |
| Baton Rouge, LA | 4 | $ 950,000 | $ 237,500 | $ 137,000 |
| Charlottesville, VA | 4 | $ 1,110,000 | $ 277,500 | $ 131,000 |
| Corvallis, OR | 4 | $ 1,180,000 | $ 295,000 | $ 70,000 |
| Greeley, CO | 4 | $ 750,000 | $ 187,500 | $ 58,000 |
| Greensboro-High Point, NC | 4 | $ 1,180,000 | $ 295,000 | $ 86,000 |
| Hammond, LA | 4 | $ 670,000 | $ 167,500 | $ 74,000 |
| Laredo, TX | 4 | $ 960,000 | $ 240,000 | $ 115,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 1,100,000 | $ 275,000 | $ 83,000 |
| Madison, WI | 4 | $ 1,420,000 | $ 355,000 | $ 136,000 |
| Merced, CA | 4 | $ 880,000 | $ 220,000 | $ 63,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,010,000 | $ 252,500 | $ 92,000 |
| Punta Gorda, FL | 4 | $ 860,000 | $ 215,000 | $ 70,000 |
| Redding, CA | 4 | $ 1,420,000 | $ 355,000 | $ 165,000 |
| San Rafael, CA | 4 | $ 2,130,000 | $ 532,500 | $ 149,000 |
| Savannah, GA | 4 | $ 1,100,000 | $ 275,000 | $ 73,000 |
| Shreveport-Bossier City, LA | 4 | $ 710,000 | $ 177,500 | $ 78,000 |
| Tyler, TX | 4 | $ 840,000 | $ 210,000 | $ 84,000 |
| Waco, TX | 4 | $ 820,000 | $ 205,000 | $ 63,000 |
| Wilmington, NC | 4 | $ 790,000 | $ 197,500 | $ 113,000 |
| Amarillo, TX | 3 | $ 635,000 | $ 211,666 | $ 78,000 |
| Burlington-South Burlington, VT | 3 | $ 625,000 | $ 208,333 | $ 112,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 995,000 | $ 331,666 | $ 74,000 |
| Fayetteville, NC | 3 | $ 695,000 | $ 231,666 | $ 165,000 |
| Gary, IN | 3 | $ 515,000 | $ 171,666 | $ 118,000 |
| Grand Junction, CO | 3 | $ 935,000 | $ 311,666 | $ 105,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 1,005,000 | $ 335,000 | $ 118,000 |
| Hanford-Corcoran, CA | 3 | $ 835,000 | $ 278,333 | $ 161,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 315,000 | $ 105,000 | $ 86,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 815,000 | $ 271,666 | $ 88,000 |
| Lexington-Fayette, KY | 3 | $ 645,000 | $ 215,000 | $ 127,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 1,145,000 | $ 381,666 | $ 158,000 |
| Spartanburg, SC | 3 | $ 795,000 | $ 265,000 | $ 100,000 |
| St. Cloud, MN | 3 | $ 825,000 | $ 275,000 | $ 154,000 |
| Tallahassee, FL | 3 | $ 515,000 | $ 171,666 | $ 81,000 |
| Victoria, TX | 3 | $ 325,000 | $ 108,333 | $ 61,000 |
| Winchester, VA-WV | 3 | $ 805,000 | $ 268,333 | $ 96,000 |
| Yuma, AZ | 3 | $ 545,000 | $ 181,666 | $ 97,000 |
| Akron, OH | 2 | $ 450,000 | $ 225,000 | $ 126,000 |
| Appleton, WI | 2 | $ 320,000 | $ 160,000 | $ 48,000 |
| Carson City, NV | 2 | $ 510,000 | $ 255,000 | $ 73,000 |
| Dutchess County-Putnam County, NY | 2 | $ 570,000 | $ 285,000 | $ 85,000 |
| Flint, MI | 2 | $ 280,000 | $ 140,000 | $ 160,000 |
| Grants Pass, OR | 2 | $ 670,000 | $ 335,000 | $ 121,000 |
| Harrisburg-Carlisle, PA | 2 | $ 320,000 | $ 160,000 | $ 114,000 |
| Huntsville, AL | 2 | $ 450,000 | $ 225,000 | $ 95,000 |
| Kokomo, IN | 2 | $ 470,000 | $ 235,000 | $ 115,000 |
| Lafayette-West Lafayette, IN | 2 | $ 540,000 | $ 270,000 | $ 180,000 |
| Lakeland-Winter Haven, FL | 2 | $ 360,000 | $ 180,000 | $ 61,000 |
| Lansing-East Lansing, MI | 2 | $ 550,000 | $ 275,000 | $ 107,000 |
| Midland, TX | 2 | $ 480,000 | $ 240,000 | $ 75,000 |
| Montgomery, AL | 2 | $ 610,000 | $ 305,000 | $ 150,000 |
| Ocala, FL | 2 | $ 470,000 | $ 235,000 | $ 87,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,380,000 | $ 690,000 | $ 176,000 |
| Sioux Falls, SD | 2 | $ 490,000 | $ 245,000 | $ 98,000 |
| Springfield, MO | 2 | $ 490,000 | $ 245,000 | $ 81,000 |
| The Villages, FL | 2 | $ 560,000 | $ 280,000 | $ 140,000 |
| Wichita, KS | 2 | $ 290,000 | $ 145,000 | $ 74,000 |
| York-Hanover, PA | 2 | $ 360,000 | $ 180,000 | $ 81,000 |
| Yuba City, CA | 2 | $ 680,000 | $ 340,000 | $ 105,000 |
| Albany, OR | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Asheville, NC | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Athens-Clarke County, GA | 1 | $ 205,000 | $ 205,000 | $ 36,000 |
| Bangor, ME | 1 | $ 235,000 | $ 235,000 | $ 207,000 |
| Billings, MT | 1 | $ 295,000 | $ 295,000 | $ 131,000 |
| Binghamton, NY | 1 | $ 185,000 | $ 185,000 | $ 160,000 |
| California-Lexington Park, MD | 1 | $ 275,000 | $ 275,000 | $ 195,000 |
| Canton-Massillon, OH | 1 | $ 235,000 | $ 235,000 | $ 350,000 |
| Clarksville, TN-KY | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Decatur, AL | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Dover, DE | 1 | $ 435,000 | $ 435,000 | $ 700,000 |
| Eau Claire, WI | 1 | $ 405,000 | $ 405,000 | $ 207,000 |
| Elmira, NY | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Evansville, IN-KY | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Fargo, ND-MN | 1 | $ 365,000 | $ 365,000 | $ 122,000 |
| Farmington, NM | 1 | $ 105,000 | $ 105,000 | $ 189,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 425,000 | $ 425,000 | $ 108,000 |
| Glens Falls, NY | 1 | $ 65,000 | $ 65,000 | $ 130,000 |
| Grand Forks, ND-MN | 1 | $ 325,000 | $ 325,000 | $ 209,000 |
| Greenville, NC | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Harrisonburg, VA | 1 | $ 335,000 | $ 335,000 | $ 265,000 |
| Homosassa Springs, FL | 1 | $ 285,000 | $ 285,000 | $ 285,000 |
| Hot Springs, AR | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Jackson, TN | 1 | $ 95,000 | $ 95,000 | $ 112,000 |
| Kalamazoo-Portage, MI | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Lafayette, LA | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Las Cruces, NM | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Lebanon, PA | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Lewiston-Auburn, ME | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 325,000 | $ 325,000 | $ 152,000 |
| Lubbock, TX | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| Lynchburg, VA | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Macon-Bibb County, GA | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Midland, MI | 1 | $ 345,000 | $ 345,000 | $ 144,000 |
| Missoula, MT | 1 | $ 265,000 | $ 265,000 | $ 157,000 |
| Monroe, MI | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Morristown, TN | 1 | $ 335,000 | $ 335,000 | $ 150,000 |
| Muncie, IN | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| New Bern, NC | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Niles-Benton Harbor, MI | 1 | $ 455,000 | $ 455,000 | $ 315,000 |
| Oshkosh-Neenah, WI | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Peoria, IL | 1 | $ 145,000 | $ 145,000 | $ 131,000 |
| Roanoke, VA | 1 | $ 415,000 | $ 415,000 | $ 240,000 |
| Rochester, MN | 1 | $ 365,000 | $ 365,000 | $ 217,000 |
| Rockford, IL | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
| Rome, GA | 1 | $ 65,000 | $ 65,000 | $ 197,000 |
| San Angelo, TX | 1 | $ 435,000 | $ 435,000 | $ 86,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 275,000 | $ 275,000 | $ 155,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 195,000 | $ 195,000 | $ 113,000 |
| Sumter, SC | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Walla Walla, WA | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Warner Robins, GA | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Wenatchee, WA | 1 | $ 265,000 | $ 265,000 | $ 160,000 |
| Wichita Falls, TX | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for First Choice Loan Services Inc. in 2018
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 | 8,093 | $2,584,795,000 | $319,000 | $11,005,000 | $130,000 | $9,166,000 |
| Cash-out Refinancing | 1,335 | $455,175,000 | $340,000 | $3,335,000 | $134,000 | $2,222,000 |
| Refinancing | 1,227 | $447,355,000 | $364,000 | $2,805,000 | $155,000 | $2,207,000 |
| Home Improvement | 208 | $68,560,000 | $329,000 | $985,000 | $163,000 | $1,161,000 |
| Other Purpose | 183 | $50,415,000 | $275,000 | $1,005,000 | $151,000 | $1,226,000 |
| Not Applicable | 14 | $2,910,000 | $207,000 | $435,000 | $98,000 | $162,000 |
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 | 6,311 | $2,096,375,000 | $332,000 | $11,005,000 | $141,000 | $9,166,000 |
| Not Provided | 1,570 | $518,490,000 | $330,000 | $3,335,000 | $146,000 | $6,051,000 |
| Hispanic | 1,442 | $372,620,000 | $258,000 | $1,265,000 | $92,000 | $470,000 |
| Asian | 1,075 | $435,035,000 | $404,000 | $1,805,000 | $148,000 | $833,000 |
| Black or African American | 566 | $156,730,000 | $276,000 | $975,000 | $105,000 | $2,111,000 |
| Native Hawaiian or Other Pacific Islander | 33 | $10,975,000 | $332,000 | $725,000 | $124,000 | $409,000 |
| American Indian or Alaskan Native | 25 | $6,945,000 | $277,000 | $625,000 | $104,000 | $349,000 |
| Not applicable | 8 | $1,980,000 | $247,000 | $385,000 | $82,000 | $147,000 |
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) | 8,376 | $2,885,150,000 | $344,000 | $11,005,000 | $149,000 | $9,166,000 |
| FHA-insured (Federal Housing Administration) | 1,693 | $425,325,000 | $251,000 | $885,000 | $82,000 | $462,000 |
| VA-guaranteed (Veterans Administration) | 940 | $291,460,000 | $310,000 | $1,055,000 | $98,000 | $388,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $7,275,000 | $142,000 | $365,000 | $57,000 | $104,000 |
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 | 7,647 | $2,441,215,000 | $319,000 | $3,015,000 | $134,000 | $6,051,000 |
| Application Withdrawn By Applicant | 2,071 | $718,185,000 | $346,000 | $3,335,000 | $139,000 | $9,166,000 |
| Application Approved But Not Accepted | 693 | $231,835,000 | $334,000 | $1,745,000 | $142,000 | $6,051,000 |
| File Closed For Incompleteness | 260 | $94,440,000 | $363,000 | $2,175,000 | $135,000 | $1,122,000 |
| Loan Purchased By The Institution | 209 | $44,085,000 | $210,000 | $515,000 | $99,000 | $396,000 |
| Application Denied By Financial Institution | 176 | $78,530,000 | $446,000 | $11,005,000 | $109,000 | $801,000 |
| Preapproval Denied by Financial Institution | 4 | $920,000 | $230,000 | $295,000 | $55,000 | $81,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 10,880 | $3,529,760,000 | $324,000 | $3,335,000 | $135,000 | $9,166,000 |
| Debt-To-Income Ratio | 73 | $37,575,000 | $514,000 | $11,005,000 | $88,000 | $786,000 |
| Collateral | 37 | $12,255,000 | $331,000 | $2,315,000 | $133,000 | $393,000 |
| Credit History | 32 | $17,470,000 | $545,000 | $8,505,000 | $135,000 | $801,000 |
| Employment History | 10 | $2,440,000 | $244,000 | $495,000 | $62,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $3,180,000 | $318,000 | $565,000 | $137,000 | $257,000 |
| Other | 9 | $3,135,000 | $348,000 | $675,000 | $118,000 | $260,000 |
| Unverifiable Information | 9 | $3,395,000 | $377,000 | $615,000 | $82,000 | $208,000 |
| Credit Application Incomplete | 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 Loan Services Inc.'s 2018 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 Loan Services 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 New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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