First Financial Equities, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, First Financial Equities, Inc. of Teaneck, NJ reported 5,404 mortgage applications totaling $1.5 billion, up 56% from 2004. The average application was for $283,104, and applicants reported an average income of $126,931. 70% of its applications resulted in an originated loan and 9% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (873), Edison, NJ (636) and Newark-Union, NJ-PA (415) (applications in parentheses).
| Mortgage Company & Address | First Financial Equities, Inc. 300 Frank Burr Blvd., 4th Fl East Teaneck, NJ 07666 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,404 |
| Total Mortgage Loan Application Amount | $1,529,895,000 |
| Average Mortgage Loan Application Amount | $283,104 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $126,931 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Financial Equities, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Ocean, New Jersey | 432 | $ 94,958,000 | $ 219,810 | $ 111,000 |
| Bergen, New Jersey | 411 | $ 121,903,000 | $ 296,600 | $ 116,000 |
| Santa Clara, California | 345 | $ 122,130,000 | $ 354,000 | $ 124,000 |
| Kings, New York | 316 | $ 123,368,000 | $ 390,405 | $ 151,000 |
| Passaic, New Jersey | 252 | $ 61,072,000 | $ 242,349 | $ 85,000 |
| Essex, New Jersey | 223 | $ 54,152,000 | $ 242,834 | $ 111,000 |
| Miami-Dade, Florida | 192 | $ 65,495,000 | $ 341,119 | $ 189,000 |
| St. Lucie, Florida | 177 | $ 21,525,000 | $ 121,610 | $ 104,000 |
| Broward, Florida | 173 | $ 30,931,000 | $ 178,791 | $ 113,000 |
| Queens, New York | 146 | $ 45,257,000 | $ 309,979 | $ 111,000 |
| Hudson, New Jersey | 142 | $ 31,611,000 | $ 222,612 | $ 106,000 |
| Nassau, New York | 137 | $ 44,403,000 | $ 324,109 | $ 146,000 |
| Union, New Jersey | 127 | $ 30,415,000 | $ 239,488 | $ 92,000 |
| Rockland, New York | 123 | $ 35,005,000 | $ 284,593 | $ 113,000 |
| Monmouth, New Jersey | 117 | $ 35,642,000 | $ 304,632 | $ 241,000 |
| New York, New York | 98 | $ 64,244,000 | $ 655,551 | $ 458,000 |
| Suffolk, New York | 91 | $ 39,005,000 | $ 428,626 | $ 170,000 |
| Sacramento, California | 84 | $ 19,886,000 | $ 236,738 | $ 110,000 |
| Westchester, New York | 81 | $ 28,378,000 | $ 350,345 | $ 129,000 |
| San Joaquin, California | 69 | $ 17,586,000 | $ 254,869 | $ 150,000 |
| Richmond, New York | 66 | $ 17,953,000 | $ 272,015 | $ 67,000 |
| Middlesex, New Jersey | 65 | $ 17,416,000 | $ 267,938 | $ 92,000 |
| Monterey, California | 64 | $ 24,819,000 | $ 387,796 | $ 138,000 |
| Mercer, New Jersey | 56 | $ 5,303,000 | $ 94,696 | $ 86,000 |
| King, Washington | 55 | $ 15,386,000 | $ 279,745 | $ 121,000 |
| Fairfield, Connecticut | 46 | $ 44,669,000 | $ 971,065 | $ 281,000 |
| Morris, New Jersey | 45 | $ 14,122,000 | $ 313,822 | $ 154,000 |
| New Haven, Connecticut | 42 | $ 6,112,000 | $ 145,523 | $ 138,000 |
| Merced, California | 39 | $ 8,602,000 | $ 220,564 | $ 117,000 |
| Palm Beach, Florida | 38 | $ 10,328,000 | $ 271,789 | $ 178,000 |
| Bronx, New York | 38 | $ 9,868,000 | $ 259,684 | $ 96,000 |
| Stanislaus, California | 37 | $ 7,862,000 | $ 212,486 | $ 93,000 |
| Osceola, Florida | 35 | $ 2,471,000 | $ 70,600 | $ 82,000 |
| Orange, New York | 29 | $ 4,978,000 | $ 171,655 | $ 82,000 |
| Camden, New Jersey | 28 | $ 3,712,000 | $ 132,571 | $ 78,000 |
| Napa, California | 26 | $ 9,242,000 | $ 355,461 | $ 117,000 |
| Philadelphia, Pennsylvania | 26 | $ 2,156,000 | $ 82,923 | $ 112,000 |
| Alameda, California | 23 | $ 6,654,000 | $ 289,304 | $ 103,000 |
| Santa Cruz, California | 23 | $ 7,083,000 | $ 307,956 | $ 108,000 |
| Somerset, New Jersey | 22 | $ 5,327,000 | $ 242,136 | $ 95,000 |
| Contra Costa, California | 20 | $ 7,968,000 | $ 398,400 | $ 118,000 |
| Burlington, New Jersey | 20 | $ 2,698,000 | $ 134,900 | $ 39,000 |
| Fresno, California | 19 | $ 2,896,000 | $ 152,421 | $ 143,000 |
| San Benito, California | 18 | $ 6,242,000 | $ 346,777 | $ 97,000 |
| Baltimore City, Maryland | 18 | $ 1,548,000 | $ 86,000 | $ 93,000 |
| Los Angeles, California | 17 | $ 8,526,000 | $ 501,529 | $ 199,000 |
| San Mateo, California | 17 | $ 6,228,000 | $ 366,352 | $ 111,000 |
| Sullivan, New York | 16 | $ 2,253,000 | $ 140,812 | $ 147,000 |
| Sussex, New Jersey | 15 | $ 2,585,000 | $ 172,333 | $ 77,000 |
| Monroe, Pennsylvania | 15 | $ 2,283,000 | $ 152,200 | $ 86,000 |
| Dallas, Texas | 15 | $ 5,895,000 | $ 393,000 | $ 191,000 |
| Pasco, Florida | 13 | $ 1,125,000 | $ 86,538 | $ 87,000 |
| Hillsborough, Florida | 12 | $ 1,515,000 | $ 126,250 | $ 98,000 |
| Brevard, Florida | 11 | $ 2,133,000 | $ 193,909 | $ 68,000 |
| Montgomery, Pennsylvania | 11 | $ 2,385,000 | $ 216,818 | $ 55,000 |
| Snohomish, Washington | 11 | $ 5,465,000 | $ 496,818 | $ 303,000 |
| Placer, California | 9 | $ 3,247,000 | $ 360,777 | $ 331,000 |
| Riverside, California | 9 | $ 2,017,000 | $ 224,111 | $ 143,000 |
| Solano, California | 9 | $ 1,807,000 | $ 200,777 | $ 79,000 |
| Tuolumne, California | 9 | $ 1,881,000 | $ 209,000 | $ 239,000 |
| Orange, Florida | 9 | $ 1,331,000 | $ 147,888 | $ 76,000 |
| Baltimore, Maryland | 9 | $ 1,238,000 | $ 137,555 | $ 78,000 |
| Montgomery, Maryland | 9 | $ 3,243,000 | $ 360,333 | $ 127,000 |
| Delaware, Pennsylvania | 9 | $ 572,000 | $ 63,555 | $ 92,000 |
| San Bernardino, California | 8 | $ 1,855,000 | $ 231,875 | $ 145,000 |
| Sonoma, California | 8 | $ 2,972,000 | $ 371,500 | $ 142,000 |
| Denver, Colorado | 8 | $ 2,518,000 | $ 314,750 | $ 132,000 |
| Lee, Florida | 8 | $ 1,638,000 | $ 204,750 | $ 200,000 |
| DeKalb, Georgia | 8 | $ 1,075,000 | $ 134,375 | $ 56,000 |
| Ulster, New York | 8 | $ 1,711,000 | $ 213,875 | $ 111,000 |
| Northampton, Pennsylvania | 8 | $ 962,000 | $ 120,250 | $ 59,000 |
| San Francisco, California | 7 | $ 3,615,000 | $ 516,428 | $ 152,000 |
| Pinellas, Florida | 7 | $ 1,737,000 | $ 248,142 | $ 159,000 |
| Fulton, Georgia | 7 | $ 1,380,000 | $ 197,142 | $ 116,000 |
| Warren, New Jersey | 7 | $ 888,000 | $ 126,857 | $ 80,000 |
| Collin, Texas | 7 | $ 1,351,000 | $ 193,000 | $ 109,000 |
| Kern, California | 6 | $ 750,000 | $ 125,000 | $ 117,000 |
| Hartford, Connecticut | 6 | $ 881,000 | $ 146,833 | $ 157,000 |
| Clark, Nevada | 6 | $ 829,000 | $ 138,166 | $ 157,000 |
| Atlantic, New Jersey | 6 | $ 1,486,000 | $ 247,666 | $ 71,000 |
| Dutchess, New York | 6 | $ 2,465,000 | $ 410,833 | $ 219,000 |
| Orange, California | 5 | $ 1,315,000 | $ 263,000 | $ 147,000 |
| San Diego, California | 5 | $ 1,283,000 | $ 256,600 | $ 178,000 |
| New Castle, Delaware | 5 | $ 924,000 | $ 184,800 | $ 61,000 |
| Lake, Florida | 5 | $ 801,000 | $ 160,200 | $ 78,000 |
| St. Johns, Florida | 5 | $ 654,000 | $ 130,800 | $ 172,000 |
| Prince George's, Maryland | 5 | $ 1,092,000 | $ 218,400 | $ 75,000 |
| Oakland, Michigan | 5 | $ 815,000 | $ 163,000 | $ 78,000 |
| Washoe, Nevada | 5 | $ 992,000 | $ 198,400 | $ 44,000 |
| Cape May, New Jersey | 5 | $ 1,012,000 | $ 202,400 | $ 220,000 |
| Hunterdon, New Jersey | 5 | $ 1,871,000 | $ 374,200 | $ 252,000 |
| Putnam, New York | 5 | $ 1,513,000 | $ 302,600 | $ 142,000 |
| Bucks, Pennsylvania | 5 | $ 1,457,000 | $ 291,400 | $ 104,000 |
| Lackawanna, Pennsylvania | 5 | $ 363,000 | $ 72,600 | $ 28,000 |
| Lehigh, Pennsylvania | 5 | $ 519,000 | $ 103,800 | $ 62,000 |
| Madera, California | 4 | $ 423,000 | $ 105,750 | $ 143,000 |
| Collier, Florida | 4 | $ 1,435,000 | $ 358,750 | $ 84,000 |
| Cumberland, New Jersey | 4 | $ 578,000 | $ 144,500 | $ 67,000 |
| Gloucester, New Jersey | 4 | $ 267,000 | $ 66,750 | $ 37,000 |
| Salem, New Jersey | 4 | $ 379,000 | $ 94,750 | $ 62,000 |
| Wayne, Pennsylvania | 4 | $ 556,000 | $ 139,000 | $ 92,000 |
| Denton, Texas | 4 | $ 780,000 | $ 195,000 | $ 65,000 |
| Rockwall, Texas | 4 | $ 1,845,000 | $ 461,250 | $ 140,000 |
| Butte, California | 3 | $ 480,000 | $ 160,000 | $ 48,000 |
| Calaveras, California | 3 | $ 847,000 | $ 282,333 | $ 98,000 |
| El Dorado, California | 3 | $ 1,038,000 | $ 346,000 | $ 138,000 |
| Imperial, California | 3 | $ 413,000 | $ 137,666 | $ 65,000 |
| Lake, California | 3 | $ 1,063,000 | $ 354,333 | $ 118,000 |
| Marin, California | 3 | $ 1,148,000 | $ 382,666 | $ 222,000 |
| Nevada, California | 3 | $ 1,285,000 | $ 428,333 | $ 242,000 |
| Tehama, California | 3 | $ 513,000 | $ 171,000 | $ 190,000 |
| Tulare, California | 3 | $ 495,000 | $ 165,000 | $ 174,000 |
| Yolo, California | 3 | $ 1,037,000 | $ 345,666 | $ 581,000 |
| Yuba, California | 3 | $ 536,000 | $ 178,666 | $ 160,000 |
| Litchfield, Connecticut | 3 | $ 2,388,000 | $ 796,000 | $ 410,000 |
| District of Columbia, District Of Columbia | 3 | $ 2,442,000 | $ 814,000 | $ 476,000 |
| Manatee, Florida | 3 | $ 802,000 | $ 267,333 | $ 41,000 |
| Martin, Florida | 3 | $ 1,482,000 | $ 494,000 | $ 276,000 |
| Seminole, Florida | 3 | $ 292,000 | $ 97,333 | $ 135,000 |
| Volusia, Florida | 3 | $ 1,577,000 | $ 525,666 | $ 51,000 |
| Hampden, Massachusetts | 3 | $ 371,000 | $ 123,666 | $ 50,000 |
| Middlesex, Massachusetts | 3 | $ 1,658,000 | $ 552,666 | $ 189,000 |
| Nye, Nevada | 3 | $ 507,000 | $ 169,000 | $ 450,000 |
| Albany, New York | 3 | $ 335,000 | $ 111,666 | $ 118,000 |
| Broome, New York | 3 | $ 280,000 | $ 93,333 | $ 143,000 |
| Erie, New York | 3 | $ 245,000 | $ 81,666 | $ 162,000 |
| Deschutes, Oregon | 3 | $ 322,000 | $ 107,333 | $ 155,000 |
| Multnomah, Oregon | 3 | $ 475,000 | $ 158,333 | $ 148,000 |
| Allegheny, Pennsylvania | 3 | $ 357,000 | $ 119,000 | $ 100,000 |
| Lancaster, Pennsylvania | 3 | $ 246,000 | $ 82,000 | $ 201,000 |
| Tarrant, Texas | 3 | $ 445,000 | $ 148,333 | $ 65,000 |
| Travis, Texas | 3 | $ 743,000 | $ 247,666 | $ 108,000 |
| Pierce, Washington | 3 | $ 614,000 | $ 204,666 | $ 91,000 |
| Humboldt, California | 2 | $ 643,000 | $ 321,500 | $ 337,000 |
| San Luis Obispo, California | 2 | $ 898,000 | $ 449,000 | $ 43,000 |
| Shasta, California | 2 | $ 299,000 | $ 149,500 | $ 133,000 |
| Ventura, California | 2 | $ 775,000 | $ 387,500 | $ 194,000 |
| Alachua, Florida | 2 | $ 283,000 | $ 141,500 | $ 77,000 |
| Charlotte, Florida | 2 | $ 340,000 | $ 170,000 | $ 100,000 |
| Sarasota, Florida | 2 | $ 695,000 | $ 347,500 | $ 48,000 |
| Troup, Georgia | 2 | $ 152,000 | $ 76,000 | $ 64,000 |
| Cook, Illinois | 2 | $ 1,849,000 | $ 924,500 | $ 345,000 |
| Lincoln, Maine | 2 | $ 473,000 | $ 236,500 | $ 278,000 |
| Anne Arundel, Maryland | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Barnstable, Massachusetts | 2 | $ 961,000 | $ 480,500 | $ 198,000 |
| Dukes, Massachusetts | 2 | $ 5,200,000 | $ 2,600,000 | $ 970,000 |
| Nantucket, Massachusetts | 2 | $ 3,038,000 | $ 1,519,000 | $ 387,000 |
| Columbia, New York | 2 | $ 442,000 | $ 221,000 | $ 140,000 |
| New Hanover, North Carolina | 2 | $ 594,000 | $ 297,000 | $ 400,000 |
| Klamath, Oregon | 2 | $ 162,000 | $ 81,000 | $ 165,000 |
| Marion, Oregon | 2 | $ 151,000 | $ 75,500 | $ 146,000 |
| Pike, Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 57,000 |
| Ellis, Texas | 2 | $ 162,000 | $ 81,000 | $ 114,000 |
| Parker, Texas | 2 | $ 425,000 | $ 212,500 | $ 180,000 |
| Rockingham, Virginia | 2 | $ 604,000 | $ 302,000 | $ 112,000 |
| Clark, Washington | 2 | $ 409,000 | $ 204,500 | $ 211,000 |
| Island, Washington | 2 | $ 299,000 | $ 149,500 | $ 96,000 |
| Kings, California | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Santa Barbara, California | 1 | $ 258,000 | $ 258,000 | $ 67,000 |
| Sutter, California | 1 | $ 308,000 | $ 308,000 | $ 55,000 |
| Bay, Florida | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Duval, Florida | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| Hernando, Florida | 1 | $ 156,000 | $ 156,000 | $ 49,000 |
| Okaloosa, Florida | 1 | $ 448,000 | $ 448,000 | $ 240,000 |
| Polk, Florida | 1 | $ 169,000 | $ 169,000 | $ 200,000 |
| Chatham, Georgia | 1 | $ 92,000 | $ 92,000 | $ 31,000 |
| Clarke, Georgia | 1 | $ 67,000 | $ 67,000 | $ 80,000 |
| Clayton, Georgia | 1 | $ 80,000 | $ 80,000 | $ 51,000 |
| Douglas, Georgia | 1 | $ 158,000 | $ 158,000 | $ 43,000 |
| Effingham, Georgia | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Rockdale, Georgia | 1 | $ 216,000 | $ 216,000 | $ 83,000 |
| Frederick, Maryland | 1 | $ 280,000 | $ 280,000 | $ 119,000 |
| Essex, Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 114,000 |
| Hampshire, Massachusetts | 1 | $ 213,000 | $ 213,000 | $ 58,000 |
| Plymouth, Massachusetts | 1 | $ 289,000 | $ 289,000 | $ 73,000 |
| Suffolk, Massachusetts | 1 | $ 1,161,000 | $ 1,161,000 | $ 1,941,000 |
| Kent, Michigan | 1 | $ 204,000 | $ 204,000 | $ 83,000 |
| Leelanau, Michigan | 1 | $ 152,000 | $ 152,000 | $ 26,000 |
| Wayne, Michigan | 1 | $ 130,000 | $ 130,000 | $ 32,000 |
| Douglas, Nevada | 1 | $ 375,000 | $ 375,000 | $ 87,000 |
| Delaware, New York | 1 | $ 80,000 | $ 80,000 | $ 270,000 |
| Greene, New York | 1 | $ 220,000 | $ 220,000 | $ 115,000 |
| Herkimer, New York | 1 | $ 166,000 | $ 166,000 | $ 49,000 |
| Niagara, New York | 1 | $ 66,000 | $ 66,000 | $ 173,000 |
| Saratoga, New York | 1 | $ 92,000 | $ 92,000 | $ 51,000 |
| Schenectady, New York | 1 | $ 368,000 | $ 368,000 | $ 144,000 |
| Warren, New York | 1 | $ 180,000 | $ 180,000 | $ 86,000 |
| Guilford, North Carolina | 1 | $ 84,000 | $ 84,000 | $ 38,000 |
| Randolph, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 81,000 |
| Berks, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Dauphin, Pennsylvania | 1 | $ 228,000 | $ 228,000 | $ 100,000 |
| Luzerne, Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 114,000 |
| Kent, Rhode Island | 1 | $ 110,000 | $ 110,000 | $ 18,000 |
| Washington, Rhode Island | 1 | $ 300,000 | $ 300,000 | $ 111,000 |
| Bexar, Texas | 1 | $ 222,000 | $ 222,000 | $ 240,000 |
| Cameron, Texas | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 113,000 | $ 113,000 | $ 79,000 |
| Galveston, Texas | 1 | $ 188,000 | $ 188,000 | $ 145,000 |
| Harris, Texas | 1 | $ 203,000 | $ 203,000 | $ 240,000 |
| Lubbock, Texas | 1 | $ 70,000 | $ 70,000 | $ 51,000 |
| Amelia, Virginia | 1 | $ 188,000 | $ 188,000 | $ 67,000 |
| Bristol, Virginia | 1 | $ 146,000 | $ 146,000 | $ 54,000 |
| Fairfax, Virginia | 1 | $ 468,000 | $ 468,000 | $ 139,000 |
| Prince William, Virginia | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Kitsap, Washington | 1 | $ 225,000 | $ 225,000 | $ 127,000 |
| Spokane, Washington | 1 | $ 105,000 | $ 105,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for First Financial Equities, 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 | 3,085 | $807,873,000 | $304,956 | $6,000,000 | $163,869 | $3,322,000 |
| Refinancing | 2,319 | $722,022,000 | $360,421 | $5,000,000 | $116,894 | $6,000,000 |
| 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 | 3,529 | $1,029,608,000 | $403,304 | $6,000,000 | $195,565 | $6,000,000 |
| Hispanic | 930 | $247,911,000 | $195,066 | $3,640,000 | $81,333 | $1,620,000 |
| Not Provided | 435 | $118,214,000 | $248,923 | $3,560,000 | $96,076 | $1,332,000 |
| Asian | 246 | $70,583,000 | $185,538 | $1,604,000 | $110,384 | $1,044,000 |
| Black or African American | 239 | $56,856,000 | $383,272 | $3,250,000 | $174,636 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $4,337,000 | $248,200 | $472,000 | $91,800 | $330,000 |
| American Indian or Alaskan Native | 6 | $2,386,000 | $415,000 | $656,000 | $162,333 | $226,000 |
| 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) | 5,384 | $1,524,943,000 | $322,826 | $6,000,000 | $162,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 18 | $4,196,000 | $202,333 | $400,000 | $100,333 | $888,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $486,000 | $486,000 | $486,000 | $475,000 | $475,000 |
| VA-guaranteed (Veterans Administration) | 1 | $270,000 | $270,000 | $270,000 | $168,000 | $168,000 |
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 | 3,760 | $1,042,268,000 | $308,047 | $5,000,000 | $167,095 | $6,000,000 |
| Application Withdrawn By Applicant | 626 | $197,507,000 | $303,882 | $6,000,000 | $136,411 | $2,500,000 |
| Application Denied By Financial Institution | 508 | $142,507,000 | $330,666 | $2,325,000 | $118,666 | $1,200,000 |
| Application Approved But Not Accepted | 413 | $114,495,000 | $184,545 | $1,440,000 | $130,909 | $1,044,000 |
| Preapproval Approved but not Accepted | 81 | $24,424,000 | $470,500 | $900,000 | $182,500 | $273,000 |
| File Closed For Incompleteness | 10 | $7,257,000 | $914,166 | $3,250,000 | $269,666 | $900,000 |
| Preapproval Denied by Financial Institution | 6 | $1,437,000 | $239,000 | $580,000 | $116,000 | $210,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 185 | $67,488,000 | $375,153 | $2,325,000 | $118,615 | $960,000 |
| Credit History | 159 | $37,418,000 | $214,500 | $1,479,000 | $77,000 | $830,000 |
| Collateral | 55 | $12,204,000 | $215,000 | $561,000 | $96,250 | $408,000 |
| Employment History | 39 | $7,234,000 | $166,571 | $520,000 | $113,428 | $717,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $11,368,000 | $433,500 | $1,500,000 | $121,625 | $360,000 |
| Other | 35 | $7,812,000 | $228,333 | $850,000 | $175,166 | $1,200,000 |
| Unverifiable Information | 2 | $120,000 | $60,000 | $93,000 | $95,500 | $191,000 |
| Mortgage Insurance Denied | 1 | $300,000 | $300,000 | $300,000 | $200,000 | $200,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Equities, 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 Financial Equities, 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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