First Direct Mortgage, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, First Direct Mortgage, Inc. of Irvine, CA reported 717 mortgage applications totaling $133.6 million, up 7070% from 2004. The average application was for $186,331, and applicants reported an average income of $70,317. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Orlando, FL (40), Tampa-St. Petersburg-Clearwater, FL (38) and Riverside-San Bernardino-Ontario, CA (36) (applications in parentheses).
| Mortgage Company & Address | First Direct Mortgage, Inc. 9500 Toledo Way Suite 2-B Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 |
| Total Number of Mortgage Applications | 717 |
| Total Mortgage Loan Application Amount | $133,600,000 |
| Average Mortgage Loan Application Amount | $186,331 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $70,317 |
| Highest Applicant Income | $304,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Direct Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Miami-Dade, Florida | 31 | $ 5,973,000 | $ 192,677 | $ 71,000 |
| Los Angeles, California | 30 | $ 7,404,000 | $ 246,800 | $ 81,000 |
| Orange, Florida | 28 | $ 4,706,000 | $ 168,071 | $ 61,000 |
| San Bernardino, California | 24 | $ 4,192,000 | $ 174,666 | $ 81,000 |
| Wayne, Michigan | 24 | $ 3,070,000 | $ 127,916 | $ 63,000 |
| Broward, Florida | 21 | $ 4,981,000 | $ 237,190 | $ 91,000 |
| Lee, Florida | 19 | $ 3,258,000 | $ 171,473 | $ 52,000 |
| Kern, California | 17 | $ 3,142,000 | $ 184,823 | $ 88,000 |
| Orange, California | 17 | $ 5,526,000 | $ 325,058 | $ 80,000 |
| Hillsborough, Florida | 16 | $ 2,623,000 | $ 163,937 | $ 53,000 |
| Palm Beach, Florida | 15 | $ 2,750,000 | $ 183,333 | $ 67,000 |
| Duval, Florida | 14 | $ 2,082,000 | $ 148,714 | $ 74,000 |
| Macomb, Michigan | 14 | $ 2,302,000 | $ 164,428 | $ 75,000 |
| Sacramento, California | 13 | $ 3,120,000 | $ 240,000 | $ 55,000 |
| Oakland, Michigan | 13 | $ 2,050,000 | $ 157,692 | $ 94,000 |
| Riverside, California | 12 | $ 2,670,000 | $ 222,500 | $ 68,000 |
| San Diego, California | 10 | $ 3,166,000 | $ 316,600 | $ 124,000 |
| Stanislaus, California | 10 | $ 2,038,000 | $ 203,800 | $ 52,000 |
| Pinellas, Florida | 10 | $ 1,879,000 | $ 187,900 | $ 63,000 |
| Polk, Florida | 10 | $ 1,495,000 | $ 149,500 | $ 63,000 |
| Fresno, California | 9 | $ 1,617,000 | $ 179,666 | $ 65,000 |
| Tulare, California | 9 | $ 1,406,000 | $ 156,222 | $ 52,000 |
| Lake, Indiana | 9 | $ 1,207,000 | $ 134,111 | $ 59,000 |
| Osceola, Florida | 7 | $ 1,176,000 | $ 168,000 | $ 58,000 |
| Pasco, Florida | 7 | $ 1,831,000 | $ 261,571 | $ 57,000 |
| Jackson, Michigan | 7 | $ 728,000 | $ 104,000 | $ 45,000 |
| San Joaquin, California | 6 | $ 1,635,000 | $ 272,500 | $ 57,000 |
| Collier, Florida | 6 | $ 1,487,000 | $ 247,833 | $ 133,000 |
| Marion, Indiana | 6 | $ 725,000 | $ 120,833 | $ 56,000 |
| Alameda, California | 5 | $ 1,734,000 | $ 346,800 | $ 90,000 |
| Contra Costa, California | 5 | $ 1,255,000 | $ 251,000 | $ 76,000 |
| Solano, California | 5 | $ 1,285,000 | $ 257,000 | $ 87,000 |
| Ventura, California | 5 | $ 1,370,000 | $ 274,000 | $ 195,000 |
| Escambia, Florida | 5 | $ 791,000 | $ 158,200 | $ 59,000 |
| Hernando, Florida | 5 | $ 739,000 | $ 147,800 | $ 77,000 |
| Marion, Florida | 5 | $ 489,000 | $ 97,800 | $ 70,000 |
| Sarasota, Florida | 5 | $ 1,164,000 | $ 232,800 | $ 62,000 |
| St. Lucie, Florida | 5 | $ 788,000 | $ 157,600 | $ 60,000 |
| Berrien, Michigan | 5 | $ 757,000 | $ 151,400 | $ 62,000 |
| Genesee, Michigan | 5 | $ 628,000 | $ 125,600 | $ 68,000 |
| Monroe, Michigan | 5 | $ 784,000 | $ 156,800 | $ 87,000 |
| El Dorado, California | 4 | $ 948,000 | $ 237,000 | $ 56,000 |
| Lake, California | 4 | $ 691,000 | $ 172,750 | $ 63,000 |
| Merced, California | 4 | $ 726,000 | $ 181,500 | $ 37,000 |
| Tehama, California | 4 | $ 854,000 | $ 213,500 | $ 65,000 |
| Garfield, Colorado | 4 | $ 725,000 | $ 181,250 | $ 55,000 |
| Alachua, Florida | 4 | $ 482,000 | $ 120,500 | $ 62,000 |
| Brevard, Florida | 4 | $ 675,000 | $ 168,750 | $ 67,000 |
| Charlotte, Florida | 4 | $ 881,000 | $ 220,250 | $ 89,000 |
| Citrus, Florida | 4 | $ 492,000 | $ 123,000 | $ 71,000 |
| Manatee, Florida | 4 | $ 552,000 | $ 138,000 | $ 65,000 |
| Santa Rosa, Florida | 4 | $ 591,000 | $ 147,750 | $ 49,000 |
| Volusia, Florida | 4 | $ 479,000 | $ 119,750 | $ 35,000 |
| Kent, Michigan | 4 | $ 622,000 | $ 155,500 | $ 49,000 |
| Muskegon, Michigan | 4 | $ 420,000 | $ 105,000 | $ 50,000 |
| Ottawa, Michigan | 4 | $ 468,000 | $ 117,000 | $ 63,000 |
| Butte, California | 3 | $ 804,000 | $ 268,000 | $ 58,000 |
| Calaveras, California | 3 | $ 794,000 | $ 264,666 | $ 96,000 |
| Madera, California | 3 | $ 435,000 | $ 145,000 | $ 49,000 |
| Placer, California | 3 | $ 820,000 | $ 273,333 | $ 91,000 |
| Santa Clara, California | 3 | $ 1,349,000 | $ 449,666 | $ 98,000 |
| Arapahoe, Colorado | 3 | $ 473,000 | $ 157,666 | $ 63,000 |
| Jefferson, Colorado | 3 | $ 316,000 | $ 105,333 | $ 90,000 |
| Flagler, Florida | 3 | $ 364,000 | $ 121,333 | $ 36,000 |
| Lake, Florida | 3 | $ 610,000 | $ 203,333 | $ 65,000 |
| Leon, Florida | 3 | $ 455,000 | $ 151,666 | $ 54,000 |
| St. Johns, Florida | 3 | $ 449,000 | $ 149,666 | $ 85,000 |
| Elkhart, Indiana | 3 | $ 322,000 | $ 107,333 | $ 58,000 |
| Hamilton, Indiana | 3 | $ 587,000 | $ 195,666 | $ 121,000 |
| Calhoun, Michigan | 3 | $ 381,000 | $ 127,000 | $ 65,000 |
| Eaton, Michigan | 3 | $ 285,000 | $ 95,000 | $ 65,000 |
| Lapeer, Michigan | 3 | $ 477,000 | $ 159,000 | $ 69,000 |
| Livingston, Michigan | 3 | $ 550,000 | $ 183,333 | $ 111,000 |
| Saginaw, Michigan | 3 | $ 374,000 | $ 124,666 | $ 81,000 |
| Harris, Texas | 3 | $ 388,000 | $ 129,333 | $ 60,000 |
| Humboldt, California | 2 | $ 586,000 | $ 293,000 | $ 58,000 |
| Imperial, California | 2 | $ 258,000 | $ 129,000 | $ 50,000 |
| Nevada, California | 2 | $ 544,000 | $ 272,000 | $ 52,000 |
| San Francisco, California | 2 | $ 695,000 | $ 347,500 | $ 101,000 |
| Santa Barbara, California | 2 | $ 585,000 | $ 292,500 | $ 89,000 |
| Santa Cruz, California | 2 | $ 597,000 | $ 298,500 | $ 63,000 |
| Denver, Colorado | 2 | $ 474,000 | $ 237,000 | $ 38,000 |
| Mesa, Colorado | 2 | $ 428,000 | $ 214,000 | $ 58,000 |
| Bay, Florida | 2 | $ 182,000 | $ 91,000 | $ 43,000 |
| Clay, Florida | 2 | $ 275,000 | $ 137,500 | $ 48,000 |
| Putnam, Florida | 2 | $ 263,000 | $ 131,500 | $ 63,000 |
| Seminole, Florida | 2 | $ 414,000 | $ 207,000 | $ 68,000 |
| Allen, Indiana | 2 | $ 165,000 | $ 82,500 | $ 108,000 |
| Clark, Indiana | 2 | $ 148,000 | $ 74,000 | $ 48,000 |
| Hendricks, Indiana | 2 | $ 367,000 | $ 183,500 | $ 103,000 |
| Johnson, Indiana | 2 | $ 185,000 | $ 92,500 | $ 118,000 |
| Knox, Indiana | 2 | $ 80,000 | $ 40,000 | $ 39,000 |
| St. Joseph, Indiana | 2 | $ 131,000 | $ 65,500 | $ 50,000 |
| Barry, Michigan | 2 | $ 195,000 | $ 97,500 | $ 43,000 |
| Benzie, Michigan | 2 | $ 127,000 | $ 63,500 | $ 53,000 |
| Ingham, Michigan | 2 | $ 286,000 | $ 143,000 | $ 60,000 |
| Lenawee, Michigan | 2 | $ 297,000 | $ 148,500 | $ 56,000 |
| Oceana, Michigan | 2 | $ 199,000 | $ 99,500 | $ 76,000 |
| St. Clair, Michigan | 2 | $ 224,000 | $ 112,000 | $ 44,000 |
| Tuscola, Michigan | 2 | $ 221,000 | $ 110,500 | $ 33,000 |
| Van Buren, Michigan | 2 | $ 256,000 | $ 128,000 | $ 63,000 |
| Washtenaw, Michigan | 2 | $ 229,000 | $ 114,500 | $ 84,000 |
| Bexar, Texas | 2 | $ 222,000 | $ 111,000 | $ 88,000 |
| Nacogdoches, Texas | 2 | $ 210,000 | $ 105,000 | $ 145,000 |
| Inyo, California | 1 | $ 608,000 | $ 608,000 | $ 210,000 |
| Kings, California | 1 | $ 292,000 | $ 292,000 | $ 66,000 |
| Lassen, California | 1 | $ 152,000 | $ 152,000 | $ 29,000 |
| Marin, California | 1 | $ 656,000 | $ 656,000 | $ 120,000 |
| San Luis Obispo, California | 1 | $ 349,000 | $ 349,000 | $ 68,000 |
| San Mateo, California | 1 | $ 465,000 | $ 465,000 | $ 98,000 |
| Shasta, California | 1 | $ 533,000 | $ 533,000 | $ 297,000 |
| Siskiyou, California | 1 | $ 163,000 | $ 163,000 | $ 52,000 |
| Sutter, California | 1 | $ 134,000 | $ 134,000 | $ 36,000 |
| Yolo, California | 1 | $ 133,000 | $ 133,000 | $ 23,000 |
| Yuba, California | 1 | $ 240,000 | $ 240,000 | $ 90,000 |
| Archuleta, Colorado | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Boulder, Colorado | 1 | $ 169,000 | $ 169,000 | $ 36,000 |
| Douglas, Colorado | 1 | $ 287,000 | $ 287,000 | $ 86,000 |
| Gunnison, Colorado | 1 | $ 162,000 | $ 162,000 | $ 54,000 |
| Lake, Colorado | 1 | $ 148,000 | $ 148,000 | $ 38,000 |
| Larimer, Colorado | 1 | $ 172,000 | $ 172,000 | $ 37,000 |
| Montrose, Colorado | 1 | $ 198,000 | $ 198,000 | $ 77,000 |
| Rio Blanco, Colorado | 1 | $ 122,000 | $ 122,000 | $ 88,000 |
| Rio Grande, Colorado | 1 | $ 150,000 | $ 150,000 | $ 85,000 |
| Bradford, Florida | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| DeSoto, Florida | 1 | $ 270,000 | $ 270,000 | $ 103,000 |
| Highlands, Florida | 1 | $ 106,000 | $ 106,000 | $ 47,000 |
| Jefferson, Florida | 1 | $ 153,000 | $ 153,000 | $ 55,000 |
| Levy, Florida | 1 | $ 122,000 | $ 122,000 | $ 65,000 |
| Martin, Florida | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Monroe, Florida | 1 | $ 340,000 | $ 340,000 | $ 96,000 |
| Nassau, Florida | 1 | $ 180,000 | $ 180,000 | $ 46,000 |
| Okaloosa, Florida | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Honolulu, Hawaii | 1 | $ 488,000 | $ 488,000 | $ 131,000 |
| Boone, Indiana | 1 | $ 181,000 | $ 181,000 | $ 98,000 |
| Clinton, Indiana | 1 | $ 79,000 | $ 79,000 | $ 59,000 |
| Fountain, Indiana | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| LaGrange, Indiana | 1 | $ 134,000 | $ 134,000 | $ 72,000 |
| Morgan, Indiana | 1 | $ 137,000 | $ 137,000 | $ 46,000 |
| Porter, Indiana | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Ripley, Indiana | 1 | $ 168,000 | $ 168,000 | $ 71,000 |
| Allegan, Michigan | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Antrim, Michigan | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Arenac, Michigan | 1 | $ 50,000 | $ 50,000 | $ 28,000 |
| Cass, Michigan | 1 | $ 123,000 | $ 123,000 | $ 28,000 |
| Delta, Michigan | 1 | $ 134,000 | $ 134,000 | $ 49,000 |
| Grand Traverse, Michigan | 1 | $ 170,000 | $ 170,000 | $ 83,000 |
| Ionia, Michigan | 1 | $ 141,000 | $ 141,000 | $ 71,000 |
| Kalamazoo, Michigan | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Kalkaska, Michigan | 1 | $ 117,000 | $ 117,000 | $ 35,000 |
| Manistee, Michigan | 1 | $ 75,000 | $ 75,000 | $ 16,000 |
| Midland, Michigan | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Montcalm, Michigan | 1 | $ 79,000 | $ 79,000 | $ 36,000 |
| Newaygo, Michigan | 1 | $ 108,000 | $ 108,000 | $ 41,000 |
| Osceola, Michigan | 1 | $ 152,000 | $ 152,000 | $ 54,000 |
| Sanilac, Michigan | 1 | $ 228,000 | $ 228,000 | $ 59,000 |
| Shiawassee, Michigan | 1 | $ 94,000 | $ 94,000 | $ 89,000 |
| Bell, Texas | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Comal, Texas | 1 | $ 240,000 | $ 240,000 | $ 59,000 |
| Dallas, Texas | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Denton, Texas | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| El Paso, Texas | 1 | $ 76,000 | $ 76,000 | $ 30,000 |
| Fort Bend, Texas | 1 | $ 420,000 | $ 420,000 | $ 266,000 |
| Gillespie, Texas | 1 | $ 201,000 | $ 201,000 | $ 141,000 |
| Grayson, Texas | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Gregg, Texas | 1 | $ 194,000 | $ 194,000 | $ 116,000 |
| Johnson, Texas | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Kaufman, Texas | 1 | $ 278,000 | $ 278,000 | $ 92,000 |
| McLennan, Texas | 1 | $ 128,000 | $ 128,000 | $ 50,000 |
| Randall, Texas | 1 | $ 84,000 | $ 84,000 | $ 25,000 |
| Tarrant, Texas | 1 | $ 226,000 | $ 226,000 | $ 96,000 |
| Travis, Texas | 1 | $ 128,000 | $ 128,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for First Direct Mortgage, 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 |
|---|---|---|---|---|---|---|
| Refinancing | 684 | $126,024,000 | $212,285 | $731,000 | $76,714 | $297,000 |
| Home Purchase | 33 | $7,576,000 | $177,500 | $750,000 | $104,250 | $304,000 |
| 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 | 391 | $72,371,000 | $210,000 | $750,000 | $79,857 | $304,000 |
| Not Provided | 129 | $24,497,000 | $186,333 | $663,000 | $76,833 | $286,000 |
| Hispanic | 118 | $21,544,000 | $159,833 | $615,000 | $56,833 | $203,000 |
| Black or African American | 59 | $9,598,000 | $159,000 | $362,000 | $69,400 | $173,000 |
| Asian | 11 | $3,270,000 | $231,000 | $630,000 | $81,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,929,000 | $321,000 | $510,000 | $93,500 | $142,000 |
| American Indian or Alaskan Native | 3 | $391,000 | $126,500 | $200,000 | $34,500 | $67,000 |
| 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) | 715 | $133,249,000 | $212,285 | $750,000 | $78,428 | $304,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $351,000 | $175,000 | $182,000 | $71,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 625 | $117,091,000 | $168,166 | $750,000 | $70,500 | $304,000 |
| Application Approved But Not Accepted | 28 | $5,908,000 | $208,800 | $750,000 | $71,000 | $300,000 |
| Application Denied By Financial Institution | 26 | $4,095,000 | $175,800 | $513,000 | $61,000 | $168,000 |
| File Closed For Incompleteness | 22 | $3,315,000 | $175,600 | $327,000 | $84,200 | $145,000 |
| Application Withdrawn By Applicant | 16 | $3,191,000 | $222,000 | $488,000 | $67,666 | $131,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Direct Mortgage, 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 Direct Mortgage, 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.
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