First Mortgage Company, L.L.C. Mortgage Lending & HMDA Data, 2016
In 2016, First Mortgage Company, L.L.C. of Oklahoma City, OK reported 13,324 mortgage applications totaling $2.4 billion, up 14% from 2015. The average application was for $177,550, and applicants reported an average income of $85,045. 79% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Oklahoma City, OK (2,196), Albuquerque, NM (1,990) and Boise City, ID (1,159) (applications in parentheses).
| Mortgage Company & Address | First Mortgage Company, L.L.C. 6701 North Broadway, Suite 400 Oklahoma City, OK 73116 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 13,324 |
| Total Mortgage Loan Application Amount | $2,365,684,000 |
| Average Mortgage Loan Application Amount | $177,550 |
| Highest Mortgage Loan Application Amount | $1,996,000 |
| Average Applicant Income | $85,045 |
| Highest Applicant Income | $2,285,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Mortgage Company, L.L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oklahoma City, OK | 2,196 | $ 405,859,000 | $ 184,817 | $ 96,000 |
| Albuquerque, NM | 1,990 | $ 328,328,000 | $ 164,988 | $ 78,000 |
| Boise City, ID | 1,159 | $ 193,727,000 | $ 167,150 | $ 71,000 |
| Omaha-Council Bluffs, NE-IA | 986 | $ 151,500,000 | $ 153,651 | $ 74,630 |
| Charlotte-Concord-Gastonia, NC-SC | 588 | $ 132,906,000 | $ 226,030 | $ 101,173 |
| Tulsa, OK | 500 | $ 80,813,000 | $ 161,626 | $ 90,000 |
| Des Moines-West Des Moines, IA | 482 | $ 76,375,000 | $ 158,454 | $ 74,000 |
| Greensboro-High Point, NC | 439 | $ 82,316,000 | $ 187,507 | $ 93,000 |
| Santa Fe, NM | 394 | $ 89,368,000 | $ 226,822 | $ 96,000 |
| Chattanooga, TN-GA | 370 | $ 56,251,000 | $ 152,029 | $ 68,397 |
| Asheville, NC | 354 | $ 63,299,000 | $ 178,810 | $ 68,000 |
| Lawton, OK | 340 | $ 52,625,000 | $ 154,779 | $ 67,000 |
| Amarillo, TX | 244 | $ 39,479,000 | $ 161,799 | $ 84,000 |
| Phoenix-Mesa-Scottsdale, AZ | 239 | $ 44,951,000 | $ 188,079 | $ 59,000 |
| Wilmington, NC | 239 | $ 48,558,000 | $ 203,171 | $ 101,000 |
| Fayetteville, NC | 224 | $ 36,914,000 | $ 164,794 | $ 75,000 |
| Dallas-Plano-Irving, TX | 215 | $ 55,462,000 | $ 257,962 | $ 138,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 185 | $ 31,862,000 | $ 172,227 | $ 97,643 |
| Colorado Springs, CO | 175 | $ 44,174,000 | $ 252,422 | $ 101,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 170 | $ 31,378,000 | $ 184,576 | $ 79,000 |
| Winston-Salem, NC | 151 | $ 23,816,000 | $ 157,721 | $ 68,000 |
| Durham-Chapel Hill, NC | 148 | $ 31,469,000 | $ 212,628 | $ 109,000 |
| Lincoln, NE | 93 | $ 15,431,000 | $ 165,924 | $ 81,000 |
| Raleigh, NC | 79 | $ 18,693,000 | $ 236,620 | $ 107,000 |
| Farmington, NM | 56 | $ 10,765,000 | $ 192,232 | $ 75,000 |
| Fort Worth-Arlington, TX | 47 | $ 9,636,000 | $ 205,021 | $ 119,000 |
| Spokane-Spokane Valley, WA | 39 | $ 8,039,000 | $ 206,128 | $ 110,000 |
| Las Cruces, NM | 31 | $ 4,185,000 | $ 135,000 | $ 97,000 |
| Burlington, NC | 26 | $ 4,156,000 | $ 159,846 | $ 68,000 |
| Hickory-Lenoir-Morganton, NC | 22 | $ 2,952,000 | $ 134,181 | $ 71,000 |
| Atlanta-Sandy Springs-Roswell, GA | 15 | $ 3,742,000 | $ 249,466 | $ 113,000 |
| Denver-Aurora-Lakewood, CO | 15 | $ 5,247,000 | $ 349,800 | $ 157,000 |
| Houston-The Woodlands-Sugar Land, TX | 13 | $ 3,163,000 | $ 243,307 | $ 189,000 |
| Austin-Round Rock, TX | 8 | $ 1,377,000 | $ 172,125 | $ 173,000 |
| Jacksonville, NC | 8 | $ 1,443,000 | $ 180,375 | $ 88,000 |
| Ames, IA | 7 | $ 1,059,000 | $ 151,285 | $ 70,000 |
| Cleveland, TN | 7 | $ 895,000 | $ 127,857 | $ 55,000 |
| Columbia, SC | 4 | $ 693,000 | $ 173,250 | $ 99,000 |
| Dalton, GA | 4 | $ 583,000 | $ 145,750 | $ 71,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 894,000 | $ 223,500 | $ 109,000 |
| Goldsboro, NC | 3 | $ 495,000 | $ 165,000 | $ 43,000 |
| Idaho Falls, ID | 3 | $ 478,000 | $ 159,333 | $ 59,000 |
| Pueblo, CO | 3 | $ 548,000 | $ 182,666 | $ 55,000 |
| Sherman-Denison, TX | 3 | $ 552,000 | $ 184,000 | $ 116,000 |
| Tucson, AZ | 3 | $ 595,000 | $ 198,333 | $ 61,000 |
| Tyler, TX | 3 | $ 443,000 | $ 147,666 | $ 85,000 |
| Abilene, TX | 2 | $ 328,000 | $ 164,000 | $ 58,000 |
| Cedar Rapids, IA | 2 | $ 321,000 | $ 160,500 | $ 73,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 169,000 | $ 84,500 | $ 42,000 |
| Greeley, CO | 2 | $ 400,000 | $ 200,000 | $ 187,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 385,000 | $ 192,500 | $ 65,000 |
| Midland, TX | 2 | $ 349,000 | $ 174,500 | $ 55,000 |
| Pocatello, ID | 2 | $ 193,000 | $ 96,500 | $ 65,000 |
| Prescott, AZ | 2 | $ 330,000 | $ 165,000 | $ 51,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 655,000 | $ 327,500 | $ 165,000 |
| San Antonio-New Braunfels, TX | 2 | $ 488,000 | $ 244,000 | $ 147,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,602,000 | $ 801,000 | $ 299,000 |
| Yuma, AZ | 2 | $ 326,000 | $ 163,000 | $ 68,000 |
| Birmingham-Hoover, AL | 1 | $ 259,000 | $ 259,000 | $ 151,000 |
| Charleston-North Charleston, SC | 1 | $ 375,000 | $ 375,000 | $ 120,000 |
| Clarksville, TN-KY | 1 | $ 97,000 | $ 97,000 | $ 41,000 |
| Corpus Christi, TX | 1 | $ 533,000 | $ 533,000 | $ 416,000 |
| Fort Collins, CO | 1 | $ 260,000 | $ 260,000 | $ 68,000 |
| Fort Smith, AR-OK | 1 | $ 117,000 | $ 117,000 | $ 53,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 121,000 | $ 121,000 | $ 74,000 |
| Huntsville, AL | 1 | $ 73,000 | $ 73,000 | $ 138,000 |
| Jackson, TN | 1 | $ 23,000 | $ 23,000 | $ 41,000 |
| Knoxville, TN | 1 | $ 88,000 | $ 88,000 | $ 118,000 |
| Lewiston, ID-WA | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Logan, UT-ID | 1 | $ 143,000 | $ 143,000 | $ 44,000 |
| Lubbock, TX | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| New Bern, NC | 1 | $ 131,000 | $ 131,000 | $ 36,000 |
| Rocky Mount, NC | 1 | $ 46,000 | $ 46,000 | $ 95,000 |
| San Angelo, TX | 1 | $ 417,000 | $ 417,000 | $ 600,000 |
| San Diego-Carlsbad, CA | 1 | $ 488,000 | $ 488,000 | $ 387,000 |
| Wenatchee, WA | 1 | $ 113,000 | $ 113,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for First Mortgage Company, L.L.C. in 2016
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 | 10,497 | $1,798,747,000 | $171,000 | $1,120,000 | $81,000 | $2,285,000 |
| Refinancing | 1,733 | $357,355,000 | $206,000 | $1,996,000 | $102,000 | $2,077,000 |
| Home Improvement | 1,094 | $209,582,000 | $191,000 | $1,177,000 | $97,000 | $1,718,000 |
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 | 9,771 | $1,806,219,000 | $184,000 | $1,996,000 | $90,000 | $2,285,000 |
| Hispanic | 1,904 | $268,949,000 | $141,000 | $984,000 | $61,000 | $507,000 |
| Black or African American | 585 | $95,522,000 | $163,000 | $487,000 | $66,000 | $268,000 |
| Not Provided | 448 | $86,049,000 | $192,000 | $875,000 | $86,000 | $635,000 |
| Asian | 304 | $57,738,000 | $189,000 | $620,000 | $96,000 | $1,718,000 |
| American Indian or Alaskan Native | 281 | $44,951,000 | $159,000 | $548,000 | $81,000 | $425,000 |
| Native Hawaiin or Other Pacific Islander | 30 | $5,278,000 | $175,000 | $327,000 | $72,000 | $134,000 |
| Not applicable | 1 | $978,000 | $978,000 | $978,000 | $470,000 | $470,000 |
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) | 8,290 | $1,542,668,000 | $186,000 | $1,996,000 | $100,000 | $2,285,000 |
| FHA-insured (Federal Housing Administration) | 3,369 | $496,007,000 | $147,000 | $424,000 | $56,000 | $511,000 |
| VA-guaranteed (Veterans Administration) | 1,338 | $282,431,000 | $211,000 | $727,000 | $75,000 | $508,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 327 | $44,578,000 | $136,000 | $288,000 | $45,000 | $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 | 10,482 | $1,869,980,000 | $178,000 | $1,120,000 | $85,000 | $2,285,000 |
| Application Withdrawn By Applicant | 1,988 | $355,014,000 | $178,000 | $1,177,000 | $90,000 | $1,080,000 |
| Application Denied By Financial Institution | 596 | $91,312,000 | $153,000 | $1,268,000 | $67,000 | $905,000 |
| Application Approved But Not Accepted | 184 | $33,158,000 | $180,000 | $492,000 | $78,000 | $594,000 |
| File Closed For Incompleteness | 64 | $14,620,000 | $228,000 | $1,996,000 | $125,000 | $2,077,000 |
| Preapproval Denied by Financial Institution | 6 | $877,000 | $146,000 | $255,000 | $41,000 | $68,000 |
| Preapproval Approved but not Accepted | 4 | $723,000 | $180,000 | $265,000 | $51,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Mortgage Company, L.L.C.'s 2016 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 Mortgage Company, L.L.C.'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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