First Direct Lending LLC Mortgage Lending & HMDA Data, 2015
In 2015, First Direct Lending LLC of Irvine, CA reported 19,054 mortgage applications totaling $4.5 billion. The average application was for $234,218, and applicants reported an average income of $61,024. 4% of its applications resulted in an originated loan and 71% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,824), Riverside-San Bernardino-Ontario, CA (1,595) and Washington-Arlington-Alexandria, DC-VA-MD-WV (741) (applications in parentheses).
| Mortgage Company & Address | First Direct Lending LLC 15261 Laguna Canyon Road, Suite 200 Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2015 |
| Total Number of Mortgage Applications | 19,054 |
| Total Mortgage Loan Application Amount | $4,462,802,000 |
| Average Mortgage Loan Application Amount | $234,218 |
| Highest Mortgage Loan Application Amount | $18,824,000 |
| Average Applicant Income | $61,024 |
| Highest Applicant Income | $2,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Direct Lending LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 1,824 | $ 582,529,000 | $ 319,368 | $ 68,000 |
| Riverside-San Bernardino-Ontario, CA | 1,595 | $ 371,146,000 | $ 232,693 | $ 63,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 741 | $ 198,784,000 | $ 268,264 | $ 63,913 |
| Sacramento--Roseville--Arden-Arcade, CA | 639 | $ 151,322,000 | $ 236,810 | $ 62,000 |
| Oakland-Hayward-Berkeley, CA | 576 | $ 179,810,000 | $ 312,170 | $ 70,000 |
| Denver-Aurora-Lakewood, CO | 535 | $ 109,746,000 | $ 205,132 | $ 61,000 |
| San Diego-Carlsbad, CA | 525 | $ 163,689,000 | $ 311,788 | $ 75,000 |
| Anaheim-Santa Ana-Irvine, CA | 483 | $ 179,371,000 | $ 371,368 | $ 83,000 |
| New York-Jersey City-White Plains, NY-NJ | 453 | $ 113,864,000 | $ 251,355 | $ 77,000 |
| Phoenix-Mesa-Scottsdale, AZ | 425 | $ 78,093,000 | $ 183,748 | $ 51,000 |
| Seattle-Bellevue-Everett, WA | 416 | $ 110,016,000 | $ 264,461 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 321 | $ 62,699,000 | $ 195,323 | $ 47,336 |
| Philadelphia, PA | 292 | $ 45,924,000 | $ 157,273 | $ 43,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 281 | $ 59,085,000 | $ 210,266 | $ 55,046 |
| Baltimore-Columbia-Towson, MD | 268 | $ 60,565,000 | $ 225,988 | $ 60,000 |
| Montgomery County-Bucks County-Chester County, PA | 267 | $ 57,227,000 | $ 214,333 | $ 62,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 258 | $ 107,505,000 | $ 416,686 | $ 89,000 |
| Newark, NJ-PA | 252 | $ 58,595,000 | $ 232,519 | $ 66,321 |
| Orlando-Kissimmee-Sanford, FL | 251 | $ 44,688,000 | $ 178,039 | $ 53,000 |
| Richmond, VA | 235 | $ 43,681,000 | $ 185,876 | $ 48,000 |
| Stockton-Lodi, CA | 234 | $ 53,411,000 | $ 228,252 | $ 60,000 |
| Charlotte-Concord-Gastonia, NC-SC | 230 | $ 39,817,000 | $ 173,117 | $ 48,000 |
| Bakersfield, CA | 222 | $ 40,340,000 | $ 181,711 | $ 58,000 |
| Pittsburgh, PA | 196 | $ 31,426,000 | $ 160,336 | $ 52,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 195 | $ 59,958,000 | $ 307,476 | $ 58,000 |
| Fresno, CA | 195 | $ 36,796,000 | $ 188,697 | $ 56,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 186 | $ 64,440,000 | $ 346,451 | $ 68,000 |
| Miami-Miami Beach-Kendall, FL | 183 | $ 38,411,000 | $ 209,896 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 177 | $ 30,358,000 | $ 171,514 | $ 54,000 |
| Modesto, CA | 167 | $ 32,519,000 | $ 194,724 | $ 52,000 |
| Camden, NJ | 165 | $ 31,079,000 | $ 188,357 | $ 66,000 |
| Tacoma-Lakewood, WA | 161 | $ 33,449,000 | $ 207,757 | $ 60,000 |
| Vallejo-Fairfield, CA | 159 | $ 40,400,000 | $ 254,088 | $ 66,000 |
| Raleigh, NC | 147 | $ 27,031,000 | $ 183,884 | $ 44,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 146 | $ 30,712,000 | $ 210,356 | $ 61,000 |
| San Francisco-Redwood City-South San Francisco, CA | 145 | $ 58,495,000 | $ 403,413 | $ 73,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 134 | $ 22,389,000 | $ 167,082 | $ 53,298 |
| Hartford-West Hartford-East Hartford, CT | 134 | $ 24,433,000 | $ 182,335 | $ 51,000 |
| Silver Spring-Frederick-Rockville, MD | 117 | $ 30,993,000 | $ 264,897 | $ 62,000 |
| New Haven-Milford, CT | 112 | $ 21,657,000 | $ 193,366 | $ 54,000 |
| Visalia-Porterville, CA | 106 | $ 19,265,000 | $ 181,745 | $ 63,000 |
| Santa Rosa, CA | 98 | $ 31,518,000 | $ 321,612 | $ 59,000 |
| Colorado Springs, CO | 95 | $ 17,859,000 | $ 187,989 | $ 57,000 |
| Bridgeport-Stamford-Norwalk, CT | 91 | $ 23,503,000 | $ 258,274 | $ 65,000 |
| Jacksonville, FL | 88 | $ 14,858,000 | $ 168,840 | $ 47,000 |
| Lancaster, PA | 78 | $ 13,575,000 | $ 174,038 | $ 53,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 77 | $ 11,253,000 | $ 146,142 | $ 46,000 |
| Merced, CA | 76 | $ 13,935,000 | $ 183,355 | $ 52,000 |
| Harrisburg-Carlisle, PA | 75 | $ 12,586,000 | $ 167,813 | $ 50,000 |
| Spokane-Spokane Valley, WA | 72 | $ 12,034,000 | $ 167,138 | $ 49,000 |
| Greeley, CO | 66 | $ 12,514,000 | $ 189,606 | $ 66,000 |
| Greensboro-High Point, NC | 65 | $ 9,875,000 | $ 151,923 | $ 42,000 |
| Port St. Lucie, FL | 65 | $ 10,747,000 | $ 165,338 | $ 53,000 |
| Santa Maria-Santa Barbara, CA | 64 | $ 19,488,000 | $ 304,500 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 60 | $ 10,145,000 | $ 169,083 | $ 47,000 |
| Salinas, CA | 59 | $ 15,703,000 | $ 266,152 | $ 56,000 |
| Kennewick-Richland, WA | 57 | $ 10,052,000 | $ 176,350 | $ 73,000 |
| York-Hanover, PA | 57 | $ 10,015,000 | $ 175,701 | $ 44,000 |
| Yuba City, CA | 54 | $ 10,620,000 | $ 196,666 | $ 51,000 |
| Reading, PA | 53 | $ 9,283,000 | $ 175,150 | $ 52,000 |
| Redding, CA | 53 | $ 9,622,000 | $ 181,547 | $ 46,000 |
| Winston-Salem, NC | 53 | $ 7,449,000 | $ 140,547 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 51 | $ 8,567,000 | $ 167,980 | $ 35,000 |
| Houston-The Woodlands-Sugar Land, TX | 50 | $ 8,270,000 | $ 165,400 | $ 85,000 |
| North Port-Sarasota-Bradenton, FL | 50 | $ 9,127,000 | $ 182,540 | $ 65,000 |
| Tucson, AZ | 49 | $ 8,197,000 | $ 167,285 | $ 69,000 |
| East Stroudsburg, PA | 47 | $ 8,014,000 | $ 170,510 | $ 50,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 46 | $ 15,346,000 | $ 333,608 | $ 77,000 |
| Fayetteville, NC | 45 | $ 6,583,000 | $ 146,288 | $ 76,000 |
| Fort Collins, CO | 43 | $ 9,333,000 | $ 217,046 | $ 62,000 |
| Asheville, NC | 42 | $ 7,859,000 | $ 187,119 | $ 39,000 |
| Atlantic City-Hammonton, NJ | 42 | $ 7,469,000 | $ 177,833 | $ 51,000 |
| Yakima, WA | 42 | $ 6,279,000 | $ 149,500 | $ 48,000 |
| Chico, CA | 41 | $ 7,569,000 | $ 184,609 | $ 69,000 |
| Dallas-Plano-Irving, TX | 41 | $ 7,434,000 | $ 181,317 | $ 61,000 |
| Trenton, NJ | 41 | $ 9,238,000 | $ 225,317 | $ 64,000 |
| Durham-Chapel Hill, NC | 40 | $ 6,656,000 | $ 166,400 | $ 56,000 |
| Norwich-New London, CT | 38 | $ 7,394,000 | $ 194,578 | $ 42,000 |
| Salem, OR | 37 | $ 6,216,000 | $ 168,000 | $ 40,000 |
| Bremerton-Silverdale, WA | 36 | $ 7,582,000 | $ 210,611 | $ 79,000 |
| Hanford-Corcoran, CA | 36 | $ 6,429,000 | $ 178,583 | $ 56,000 |
| Olympia-Tumwater, WA | 36 | $ 6,674,000 | $ 185,388 | $ 73,000 |
| Roanoke, VA | 36 | $ 5,757,000 | $ 159,916 | $ 47,000 |
| Lakeland-Winter Haven, FL | 35 | $ 5,216,000 | $ 149,028 | $ 37,000 |
| Lynchburg, VA | 35 | $ 5,882,000 | $ 168,057 | $ 36,000 |
| Palm Bay-Melbourne-Titusville, FL | 35 | $ 6,243,000 | $ 178,371 | $ 52,000 |
| Atlanta-Sandy Springs-Roswell, GA | 34 | $ 4,896,000 | $ 144,000 | $ 62,000 |
| Bellingham, WA | 33 | $ 7,456,000 | $ 225,939 | $ 53,000 |
| Eugene, OR | 33 | $ 5,697,000 | $ 172,636 | $ 42,000 |
| Madera, CA | 32 | $ 6,284,000 | $ 196,375 | $ 69,000 |
| Naples-Immokalee-Marco Island, FL | 32 | $ 7,984,000 | $ 249,500 | $ 63,000 |
| Pueblo, CO | 31 | $ 5,013,000 | $ 161,709 | $ 40,000 |
| Charlottesville, VA | 29 | $ 7,207,000 | $ 248,517 | $ 74,000 |
| El Centro, CA | 29 | $ 5,025,000 | $ 173,275 | $ 44,000 |
| Napa, CA | 29 | $ 9,261,000 | $ 319,344 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 29 | $ 10,908,000 | $ 376,137 | $ 67,000 |
| Prescott, AZ | 28 | $ 5,619,000 | $ 200,678 | $ 45,000 |
| Longview, WA | 27 | $ 4,703,000 | $ 174,185 | $ 86,000 |
| Ocala, FL | 26 | $ 4,533,000 | $ 174,346 | $ 55,000 |
| Medford, OR | 25 | $ 5,165,000 | $ 206,600 | $ 79,000 |
| Ocean City, NJ | 25 | $ 5,619,000 | $ 224,760 | $ 59,000 |
| Hickory-Lenoir-Morganton, NC | 24 | $ 3,224,000 | $ 134,333 | $ 72,000 |
| Boulder, CO | 23 | $ 5,057,000 | $ 219,869 | $ 51,000 |
| Fort Worth-Arlington, TX | 23 | $ 3,788,000 | $ 164,695 | $ 75,000 |
| Panama City, FL | 22 | $ 3,761,000 | $ 170,954 | $ 51,000 |
| Pensacola-Ferry Pass-Brent, FL | 22 | $ 3,503,000 | $ 159,227 | $ 60,000 |
| Punta Gorda, FL | 22 | $ 3,295,000 | $ 149,772 | $ 39,000 |
| Winchester, VA-WV | 22 | $ 3,945,000 | $ 179,318 | $ 33,000 |
| Grand Junction, CO | 21 | $ 3,527,000 | $ 167,952 | $ 49,000 |
| Chambersburg-Waynesboro, PA | 20 | $ 3,201,000 | $ 160,050 | $ 39,000 |
| Crestview-Fort Walton Beach-Destin, FL | 20 | $ 3,470,000 | $ 173,500 | $ 51,000 |
| Hagerstown-Martinsburg, MD-WV | 20 | $ 3,859,000 | $ 192,950 | $ 51,000 |
| Vineland-Bridgeton, NJ | 20 | $ 3,388,000 | $ 169,400 | $ 43,000 |
| Wilmington, DE-MD-NJ | 20 | $ 3,193,000 | $ 159,650 | $ 29,600 |
| Worcester, MA-CT | 20 | $ 3,186,000 | $ 159,300 | $ 35,000 |
| Erie, PA | 19 | $ 2,414,000 | $ 127,052 | $ 53,000 |
| Lebanon, PA | 19 | $ 3,047,000 | $ 160,368 | $ 50,000 |
| Tallahassee, FL | 19 | $ 3,089,000 | $ 162,578 | $ 43,000 |
| Wilmington, NC | 19 | $ 3,365,000 | $ 177,105 | $ 53,000 |
| Wenatchee, WA | 18 | $ 3,572,000 | $ 198,444 | $ 40,000 |
| Gettysburg, PA | 17 | $ 2,783,000 | $ 163,705 | $ 53,000 |
| San Rafael, CA | 17 | $ 8,452,000 | $ 497,176 | $ 120,000 |
| Staunton-Waynesboro, VA | 17 | $ 2,476,000 | $ 145,647 | $ 36,000 |
| Williamsport, PA | 17 | $ 2,471,000 | $ 145,352 | $ 47,000 |
| San Antonio-New Braunfels, TX | 16 | $ 2,596,000 | $ 162,250 | $ 64,000 |
| Burlington, NC | 14 | $ 1,942,000 | $ 138,714 | $ 62,000 |
| Salisbury, MD-DE | 14 | $ 2,419,000 | $ 172,785 | $ 29,000 |
| Sebastian-Vero Beach, FL | 14 | $ 2,212,000 | $ 158,000 | $ 44,000 |
| Austin-Round Rock, TX | 13 | $ 2,671,000 | $ 205,461 | $ 78,000 |
| Blacksburg-Christiansburg-Radford, VA | 13 | $ 2,134,000 | $ 164,153 | $ 48,000 |
| Yuma, AZ | 13 | $ 2,127,000 | $ 163,615 | $ 47,000 |
| Bend-Redmond, OR | 12 | $ 2,713,000 | $ 226,083 | $ 60,000 |
| Bloomsburg-Berwick, PA | 12 | $ 1,811,000 | $ 150,916 | $ 58,000 |
| California-Lexington Park, MD | 12 | $ 2,387,000 | $ 198,916 | $ 70,000 |
| Gainesville, FL | 12 | $ 2,079,000 | $ 173,250 | $ 51,000 |
| Jacksonville, NC | 12 | $ 2,115,000 | $ 176,250 | $ 71,000 |
| Kingsport-Bristol-Bristol, TN-VA | 12 | $ 1,891,000 | $ 157,583 | $ 40,000 |
| Mount Vernon-Anacortes, WA | 12 | $ 2,369,000 | $ 197,416 | $ 39,000 |
| Albany, OR | 11 | $ 1,867,000 | $ 169,727 | $ 52,000 |
| Flagstaff, AZ | 11 | $ 2,097,000 | $ 190,636 | $ 52,000 |
| Grants Pass, OR | 11 | $ 1,982,000 | $ 180,181 | $ 36,000 |
| State College, PA | 11 | $ 1,813,000 | $ 164,818 | $ 49,000 |
| Goldsboro, NC | 10 | $ 1,502,000 | $ 150,200 | $ 45,000 |
| Greenville, NC | 10 | $ 1,617,000 | $ 161,700 | $ 45,000 |
| Lake Havasu City-Kingman, AZ | 10 | $ 1,625,000 | $ 162,500 | $ 34,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 2,232,000 | $ 223,200 | $ 58,000 |
| Sierra Vista-Douglas, AZ | 10 | $ 1,386,000 | $ 138,600 | $ 21,000 |
| Harrisonburg, VA | 9 | $ 1,465,000 | $ 162,777 | $ 47,000 |
| Walla Walla, WA | 9 | $ 1,425,000 | $ 158,333 | $ 42,000 |
| Johnstown, PA | 8 | $ 852,000 | $ 106,500 | $ 28,000 |
| Altoona, PA | 7 | $ 1,087,000 | $ 155,285 | $ 57,000 |
| El Paso, TX | 7 | $ 623,000 | $ 89,000 | $ 51,000 |
| Homosassa Springs, FL | 7 | $ 1,109,000 | $ 158,428 | $ 54,000 |
| Killeen-Temple, TX | 6 | $ 800,000 | $ 133,333 | $ 73,000 |
| Lewiston, ID-WA | 6 | $ 858,000 | $ 143,000 | $ 53,000 |
| New Bern, NC | 6 | $ 843,000 | $ 140,500 | $ 38,000 |
| Rocky Mount, NC | 6 | $ 865,000 | $ 144,166 | $ 54,000 |
| Cumberland, MD-WV | 5 | $ 1,189,000 | $ 237,800 | $ 69,000 |
| Sebring, FL | 5 | $ 739,000 | $ 147,800 | $ 40,000 |
| The Villages, FL | 5 | $ 795,000 | $ 159,000 | $ 53,000 |
| Waco, TX | 4 | $ 615,000 | $ 153,750 | $ 39,000 |
| Corvallis, OR | 3 | $ 533,000 | $ 177,666 | $ 24,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 414,000 | $ 138,000 | $ 61,000 |
| Savannah, GA | 3 | $ 378,000 | $ 126,000 | $ 35,000 |
| Tyler, TX | 3 | $ 466,000 | $ 155,333 | $ 69,000 |
| Athens-Clarke County, GA | 2 | $ 566,000 | $ 283,000 | $ 104,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 278,000 | $ 139,000 | $ 9,000 |
| Columbus, GA-AL | 2 | $ 245,000 | $ 122,500 | $ 39,000 |
| Corpus Christi, TX | 2 | $ 307,000 | $ 153,500 | $ 42,000 |
| Dalton, GA | 2 | $ 235,000 | $ 117,500 | $ 40,000 |
| Laredo, TX | 2 | $ 436,000 | $ 218,000 | $ 66,000 |
| Rome, GA | 2 | $ 199,000 | $ 99,500 | $ 35,000 |
| Warner Robins, GA | 2 | $ 333,000 | $ 166,500 | $ 114,000 |
| Abilene, TX | 1 | $ 109,000 | $ 109,000 | $ 68,000 |
| Albany, GA | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Amarillo, TX | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Brownsville-Harlingen, TX | 1 | $ 153,000 | $ 153,000 | $ 42,000 |
| Chattanooga, TN-GA | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Longview, TX | 1 | $ 97,000 | $ 97,000 | $ 61,000 |
| Macon, GA | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 173,000 | $ 173,000 | $ 43,000 |
| Oklahoma City, OK | 1 | $ 103,000 | $ 103,000 | $ 51,000 |
| Texarkana, TX-AR | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Wichita Falls, TX | 1 | $ 276,000 | $ 276,000 | $ 170,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for First Direct Lending LLC in 2015
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 | 18,590 | $4,347,367,000 | $233,000 | $2,544,000 | $61,000 | $2,500,000 |
| Home Purchase | 464 | $115,435,000 | $248,000 | $18,824,000 | $62,000 | $733,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 9,029 | $2,094,888,000 | $232,000 | $18,824,000 | $53,000 | $2,500,000 |
| White | 6,248 | $1,454,461,000 | $232,000 | $1,709,000 | $70,000 | $1,320,000 |
| Hispanic | 1,842 | $441,312,000 | $239,000 | $733,000 | $62,000 | $1,051,000 |
| Black or African American | 1,092 | $228,304,000 | $209,000 | $646,000 | $58,000 | $373,000 |
| Asian | 640 | $197,030,000 | $307,000 | $947,000 | $81,000 | $1,000,000 |
| American Indian or Alaskan Native | 104 | $21,362,000 | $205,000 | $500,000 | $86,000 | $1,043,000 |
| Native Hawaiian or Other Pacific Islander | 97 | $24,939,000 | $257,000 | $532,000 | $70,000 | $237,000 |
| Not applicable | 2 | $506,000 | $253,000 | $407,000 | $44,000 | $59,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 15,976 | $3,663,878,000 | $229,000 | $18,824,000 | $57,000 | $2,500,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,643 | $690,950,000 | $261,000 | $1,709,000 | $81,000 | $1,320,000 |
| VA-guaranteed (Veterans Administration) | 434 | $107,794,000 | $248,000 | $678,000 | $74,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $180,000 | $180,000 | $180,000 | $28,000 | $28,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 13,513 | $3,151,987,000 | $233,000 | $18,824,000 | $61,000 | $2,500,000 |
| Application Withdrawn By Applicant | 4,521 | $1,070,878,000 | $236,000 | $2,544,000 | $61,000 | $1,049,000 |
| Loan Originated | 767 | $177,066,000 | $230,000 | $636,000 | $69,000 | $360,000 |
| File Closed For Incompleteness | 249 | $61,978,000 | $248,000 | $837,000 | $47,000 | $1,001,000 |
| Application Approved But Not Accepted | 4 | $893,000 | $223,000 | $290,000 | $84,000 | $136,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4,642 | $1,047,180,000 | $225,000 | $18,824,000 | $60,000 | $2,500,000 |
| Credit Application Incomplete | 2,274 | $545,989,000 | $240,000 | $1,709,000 | $72,000 | $1,320,000 |
| Debt-To-Income Ratio | 2,207 | $545,658,000 | $247,000 | $826,000 | $48,000 | $1,000,000 |
| Other | 1,422 | $338,278,000 | $237,000 | $947,000 | $66,000 | $1,668,000 |
| Collateral | 770 | $164,636,000 | $213,000 | $900,000 | $60,000 | $485,000 |
| Unverifiable Information | 104 | $22,198,000 | $213,000 | $573,000 | $45,000 | $312,000 |
| Employment History | 78 | $17,018,000 | $218,000 | $478,000 | $44,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $3,111,000 | $163,000 | $635,000 | $57,000 | $204,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Direct Lending LLC's 2015 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 Direct Lending LLC'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.
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