First Option Mortgage, LLC Mortgage Lending & HMDA Data, 2025
In 2025, First Option Mortgage, LLC of Atlanta, GA reported 2,565 mortgage applications totaling $737.8 million, down 19% from 2024. The average application was for $287,635, and applicants reported an average income of $122,489. 68% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (852), Marietta, GA (208) and Indianapolis-Carmel-Anderson, IN (187) (applications in parentheses).
| Mortgage Company & Address | First Option Mortgage, LLC 1100 Circle 75 Parkway South East Suite 300 Atlanta, GA 30339 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 2,565 |
| Total Mortgage Loan Application Amount | $737,785,000 |
| Average Mortgage Loan Application Amount | $287,635 |
| Highest Mortgage Loan Application Amount | $2,735,000 |
| Average Applicant Income | $122,489 |
| Highest Applicant Income | $6,276,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Option Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gwinnett, Georgia | 384 | $ 121,950,000 | $ 317,578 | $ 120,000 |
| DeKalb, Georgia | 158 | $ 36,090,000 | $ 228,417 | $ 63,000 |
| Webb, Texas | 147 | $ 30,865,000 | $ 209,965 | $ 98,000 |
| Cobb, Georgia | 138 | $ 34,780,000 | $ 252,028 | $ 73,000 |
| Marion, Indiana | 90 | $ 17,220,000 | $ 191,333 | $ 80,000 |
| Clark, Nevada | 73 | $ 34,645,000 | $ 474,589 | $ 225,000 |
| East Baton Rouge, Louisiana | 59 | $ 14,695,000 | $ 249,067 | $ 118,000 |
| Dallas, Texas | 58 | $ 24,640,000 | $ 424,827 | $ 449,000 |
| Fulton, Georgia | 55 | $ 18,075,000 | $ 328,636 | $ 120,000 |
| Clayton, Georgia | 52 | $ 9,090,000 | $ 174,807 | $ 54,000 |
| Hall, Georgia | 48 | $ 13,100,000 | $ 272,916 | $ 103,000 |
| Barrow, Georgia | 42 | $ 11,550,000 | $ 275,000 | $ 82,000 |
| Douglas, Georgia | 35 | $ 8,925,000 | $ 255,000 | $ 85,000 |
| Hillsborough, Florida | 33 | $ 11,925,000 | $ 361,363 | $ 147,000 |
| Cherokee, Georgia | 32 | $ 10,610,000 | $ 331,562 | $ 105,000 |
| Denton, Texas | 31 | $ 11,955,000 | $ 385,645 | $ 189,000 |
| Harris, Texas | 29 | $ 6,655,000 | $ 229,482 | $ 102,000 |
| Paulding, Georgia | 28 | $ 6,080,000 | $ 217,142 | $ 35,000 |
| El Paso, Texas | 25 | $ 5,385,000 | $ 215,400 | $ 112,000 |
| Johnson, Indiana | 21 | $ 6,225,000 | $ 296,428 | $ 116,000 |
| Rockdale, Georgia | 20 | $ 3,520,000 | $ 176,000 | $ 72,000 |
| Forsyth, Georgia | 19 | $ 8,395,000 | $ 441,842 | $ 174,000 |
| Prince George's, Maryland | 19 | $ 6,555,000 | $ 345,000 | $ 99,000 |
| Tarrant, Texas | 19 | $ 5,975,000 | $ 314,473 | $ 127,000 |
| Hamilton, Indiana | 18 | $ 5,560,000 | $ 308,888 | $ 143,000 |
| Henry, Georgia | 17 | $ 4,475,000 | $ 263,235 | $ 146,000 |
| Walton, Georgia | 17 | $ 5,805,000 | $ 341,470 | $ 107,000 |
| Boone, Indiana | 17 | $ 4,435,000 | $ 260,882 | $ 126,000 |
| Charles, Maryland | 17 | $ 7,165,000 | $ 421,470 | $ 134,000 |
| Livingston, Louisiana | 16 | $ 3,780,000 | $ 236,250 | $ 130,000 |
| Bexar, Texas | 15 | $ 3,575,000 | $ 238,333 | $ 132,000 |
| Collin, Texas | 15 | $ 5,085,000 | $ 339,000 | $ 298,000 |
| Jackson, Georgia | 14 | $ 4,720,000 | $ 337,142 | $ 87,000 |
| St. Tammany, Louisiana | 14 | $ 3,250,000 | $ 232,142 | $ 119,000 |
| Berkeley, South Carolina | 14 | $ 3,030,000 | $ 216,428 | $ 58,000 |
| Chatham, Georgia | 13 | $ 2,995,000 | $ 230,384 | $ 62,000 |
| St. Louis, Missouri | 13 | $ 1,185,000 | $ 91,153 | $ 46,000 |
| Ellis, Texas | 13 | $ 3,765,000 | $ 289,615 | $ 109,000 |
| Sevier, Tennessee | 12 | $ 2,760,000 | $ 230,000 | $ 58,000 |
| Williamson, Texas | 12 | $ 3,150,000 | $ 262,500 | $ 70,000 |
| Walton, Florida | 11 | $ 7,605,000 | $ 691,363 | $ 86,000 |
| Newton, Georgia | 11 | $ 3,275,000 | $ 297,727 | $ 142,000 |
| Travis, Texas | 11 | $ 3,925,000 | $ 356,818 | $ 124,000 |
| Broward, Florida | 10 | $ 4,410,000 | $ 441,000 | $ 147,000 |
| Pasco, Florida | 10 | $ 3,130,000 | $ 313,000 | $ 235,000 |
| Hendricks, Indiana | 10 | $ 3,160,000 | $ 316,000 | $ 129,000 |
| Madison, Indiana | 10 | $ 1,890,000 | $ 189,000 | $ 79,000 |
| Ascension, Louisiana | 10 | $ 2,560,000 | $ 256,000 | $ 120,000 |
| Bay, Florida | 9 | $ 3,905,000 | $ 433,888 | $ 189,000 |
| Duval, Florida | 9 | $ 2,105,000 | $ 233,888 | $ 57,000 |
| Miami-Dade, Florida | 9 | $ 2,825,000 | $ 313,888 | $ 168,000 |
| Carroll, Georgia | 9 | $ 2,105,000 | $ 233,888 | $ 66,000 |
| Coweta, Georgia | 9 | $ 3,285,000 | $ 365,000 | $ 166,000 |
| Habersham, Georgia | 9 | $ 2,475,000 | $ 275,000 | $ 105,000 |
| Tippecanoe, Indiana | 9 | $ 2,345,000 | $ 260,555 | $ 154,000 |
| Baltimore City, Maryland | 9 | $ 3,465,000 | $ 385,000 | $ 147,000 |
| Midland, Texas | 9 | $ 1,765,000 | $ 196,111 | $ 75,000 |
| Jefferson, Alabama | 8 | $ 3,860,000 | $ 482,500 | $ 351,000 |
| Pinellas, Florida | 8 | $ 2,740,000 | $ 342,500 | $ 82,000 |
| Polk, Florida | 8 | $ 1,950,000 | $ 243,750 | $ 75,000 |
| Bartow, Georgia | 8 | $ 1,740,000 | $ 217,500 | $ 33,000 |
| Jefferson, Missouri | 8 | $ 1,640,000 | $ 205,000 | $ 85,000 |
| Kaufman, Texas | 8 | $ 2,030,000 | $ 253,750 | $ 145,000 |
| Montgomery, Texas | 8 | $ 2,110,000 | $ 263,750 | $ 134,000 |
| Palm Beach, Florida | 7 | $ 2,395,000 | $ 342,142 | $ 115,000 |
| Hancock, Indiana | 7 | $ 2,105,000 | $ 300,714 | $ 229,000 |
| Morgan, Indiana | 7 | $ 2,355,000 | $ 336,428 | $ 126,000 |
| Mecklenburg, North Carolina | 7 | $ 1,315,000 | $ 187,857 | $ 159,000 |
| Bell, Texas | 7 | $ 1,215,000 | $ 173,571 | $ 80,000 |
| Hidalgo, Texas | 7 | $ 2,105,000 | $ 300,714 | $ 124,000 |
| Johnson, Texas | 7 | $ 2,485,000 | $ 355,000 | $ 214,000 |
| Marion, Florida | 6 | $ 1,800,000 | $ 300,000 | $ 85,000 |
| Orange, Florida | 6 | $ 2,180,000 | $ 363,333 | $ 142,000 |
| Spalding, Georgia | 6 | $ 1,310,000 | $ 218,333 | $ 117,000 |
| Jefferson, Louisiana | 6 | $ 1,640,000 | $ 273,333 | $ 107,000 |
| St. Louis City, Missouri | 6 | $ 1,360,000 | $ 226,666 | $ 95,000 |
| Nueces, Texas | 6 | $ 1,640,000 | $ 273,333 | $ 120,000 |
| Fairfax, Virginia | 6 | $ 2,250,000 | $ 375,000 | $ 104,000 |
| Mobile, Alabama | 5 | $ 4,035,000 | $ 807,000 | $ 0 |
| District of Columbia, District Of Columbia | 5 | $ 1,805,000 | $ 361,000 | $ 149,000 |
| Lee, Florida | 5 | $ 1,475,000 | $ 295,000 | $ 214,000 |
| Dawson, Georgia | 5 | $ 1,785,000 | $ 357,000 | $ 112,000 |
| Effingham, Georgia | 5 | $ 1,335,000 | $ 267,000 | $ 126,000 |
| Franklin, Georgia | 5 | $ 1,025,000 | $ 205,000 | $ 98,000 |
| Gordon, Georgia | 5 | $ 815,000 | $ 163,000 | $ 105,000 |
| Shelby, Indiana | 5 | $ 975,000 | $ 195,000 | $ 98,000 |
| Baltimore, Maryland | 5 | $ 1,685,000 | $ 337,000 | $ 102,000 |
| Franklin, Ohio | 5 | $ 835,000 | $ 167,000 | $ 34,000 |
| Luzerne, Pennsylvania | 5 | $ 1,095,000 | $ 219,000 | $ 56,000 |
| Bastrop, Texas | 5 | $ 1,235,000 | $ 247,000 | $ 69,000 |
| Fort Bend, Texas | 5 | $ 1,815,000 | $ 363,000 | $ 129,000 |
| Portsmouth, Virginia | 5 | $ 1,355,000 | $ 271,000 | $ 70,000 |
| Berkeley, West Virginia | 5 | $ 1,795,000 | $ 359,000 | $ 89,000 |
| Osceola, Florida | 4 | $ 660,000 | $ 165,000 | $ 56,000 |
| Sarasota, Florida | 4 | $ 1,380,000 | $ 345,000 | $ 133,000 |
| Clarke, Georgia | 4 | $ 960,000 | $ 240,000 | $ 151,000 |
| Fayette, Georgia | 4 | $ 2,010,000 | $ 502,500 | $ 111,000 |
| Pickens, Georgia | 4 | $ 1,440,000 | $ 360,000 | $ 132,000 |
| Delaware, Indiana | 4 | $ 410,000 | $ 102,500 | $ 45,000 |
| Howard, Indiana | 4 | $ 620,000 | $ 155,000 | $ 78,000 |
| Montgomery, Indiana | 4 | $ 950,000 | $ 237,500 | $ 88,000 |
| Vigo, Indiana | 4 | $ 370,000 | $ 92,500 | $ 55,000 |
| Caddo, Louisiana | 4 | $ 460,000 | $ 115,000 | $ 28,000 |
| Iberville, Louisiana | 4 | $ 580,000 | $ 145,000 | $ 88,000 |
| Montgomery, Maryland | 4 | $ 1,930,000 | $ 482,500 | $ 178,000 |
| St. Charles, Missouri | 4 | $ 1,170,000 | $ 292,500 | $ 157,000 |
| Galveston, Texas | 4 | $ 1,500,000 | $ 375,000 | $ 47,000 |
| Medina, Texas | 4 | $ 950,000 | $ 237,500 | $ 89,000 |
| Taylor, Texas | 4 | $ 390,000 | $ 97,500 | $ 205,000 |
| Hendry, Florida | 3 | $ 445,000 | $ 148,333 | $ 0 |
| Hernando, Florida | 3 | $ 555,000 | $ 185,000 | $ 94,000 |
| Lake, Florida | 3 | $ 635,000 | $ 211,666 | $ 69,000 |
| Bibb, Georgia | 3 | $ 365,000 | $ 121,666 | $ 73,000 |
| Butts, Georgia | 3 | $ 545,000 | $ 181,666 | $ 84,000 |
| Dougherty, Georgia | 3 | $ 335,000 | $ 111,666 | $ 81,000 |
| Gilmer, Georgia | 3 | $ 1,505,000 | $ 501,666 | $ 222,000 |
| Lowndes, Georgia | 3 | $ 565,000 | $ 188,333 | $ 205,000 |
| Madison, Georgia | 3 | $ 595,000 | $ 198,333 | $ 110,000 |
| Stephens, Georgia | 3 | $ 595,000 | $ 198,333 | $ 64,000 |
| Whitfield, Georgia | 3 | $ 805,000 | $ 268,333 | $ 78,000 |
| Decatur, Indiana | 3 | $ 975,000 | $ 325,000 | $ 88,000 |
| Parke, Indiana | 3 | $ 525,000 | $ 175,000 | $ 94,000 |
| Anne Arundel, Maryland | 3 | $ 1,145,000 | $ 381,666 | $ 99,000 |
| Shiawassee, Michigan | 3 | $ 285,000 | $ 95,000 | $ 122,000 |
| Franklin, Missouri | 3 | $ 465,000 | $ 155,000 | $ 60,000 |
| McCurtain, Oklahoma | 3 | $ 1,135,000 | $ 378,333 | $ 153,000 |
| Spartanburg, South Carolina | 3 | $ 765,000 | $ 255,000 | $ 115,000 |
| Lubbock, Texas | 3 | $ 445,000 | $ 148,333 | $ 80,000 |
| Chesterfield, Virginia | 3 | $ 965,000 | $ 321,666 | $ 47,000 |
| Prince William, Virginia | 3 | $ 1,265,000 | $ 421,666 | $ 138,000 |
| Jefferson, West Virginia | 3 | $ 1,165,000 | $ 388,333 | $ 84,000 |
| Baldwin, Alabama | 2 | $ 680,000 | $ 340,000 | $ 197,000 |
| Shelby, Alabama | 2 | $ 510,000 | $ 255,000 | $ 179,000 |
| Contra Costa, California | 2 | $ 1,350,000 | $ 675,000 | $ 480,000 |
| Los Angeles, California | 2 | $ 490,000 | $ 245,000 | $ 53,000 |
| Alachua, Florida | 2 | $ 830,000 | $ 415,000 | $ 117,000 |
| Indian River, Florida | 2 | $ 490,000 | $ 245,000 | $ 82,000 |
| Santa Rosa, Florida | 2 | $ 1,130,000 | $ 565,000 | $ 204,000 |
| Banks, Georgia | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Haralson, Georgia | 2 | $ 920,000 | $ 460,000 | $ 151,000 |
| Rabun, Georgia | 2 | $ 460,000 | $ 230,000 | $ 151,000 |
| Seminole, Georgia | 2 | $ 290,000 | $ 145,000 | $ 0 |
| St. Clair, Illinois | 2 | $ 760,000 | $ 380,000 | $ 134,000 |
| Jennings, Indiana | 2 | $ 310,000 | $ 155,000 | $ 69,000 |
| Monroe, Indiana | 2 | $ 610,000 | $ 305,000 | $ 79,000 |
| Putnam, Indiana | 2 | $ 490,000 | $ 245,000 | $ 150,000 |
| Orleans, Louisiana | 2 | $ 600,000 | $ 300,000 | $ 312,000 |
| Calvert, Maryland | 2 | $ 790,000 | $ 395,000 | $ 199,000 |
| Carroll, Maryland | 2 | $ 680,000 | $ 340,000 | $ 337,000 |
| Lincoln, Missouri | 2 | $ 550,000 | $ 275,000 | $ 70,000 |
| Union, North Carolina | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Cumberland, Pennsylvania | 2 | $ 570,000 | $ 285,000 | $ 72,000 |
| Lancaster, Pennsylvania | 2 | $ 410,000 | $ 205,000 | $ 3,003,000 |
| Dorchester, South Carolina | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Horry, South Carolina | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Davidson, Tennessee | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Loudon, Tennessee | 2 | $ 1,070,000 | $ 535,000 | $ 150,000 |
| Shelby, Tennessee | 2 | $ 770,000 | $ 385,000 | $ 109,000 |
| Atascosa, Texas | 2 | $ 790,000 | $ 395,000 | $ 160,000 |
| Baylor, Texas | 2 | $ 370,000 | $ 185,000 | $ 94,000 |
| Cameron, Texas | 2 | $ 450,000 | $ 225,000 | $ 310,000 |
| Comal, Texas | 2 | $ 1,050,000 | $ 525,000 | $ 1,257,000 |
| Cooke, Texas | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Grayson, Texas | 2 | $ 790,000 | $ 395,000 | $ 95,000 |
| Hays, Texas | 2 | $ 520,000 | $ 260,000 | $ 85,000 |
| Kendall, Texas | 2 | $ 900,000 | $ 450,000 | $ 232,000 |
| Lamar, Texas | 2 | $ 630,000 | $ 315,000 | $ 130,000 |
| Llano, Texas | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Parker, Texas | 2 | $ 870,000 | $ 435,000 | $ 137,000 |
| Rains, Texas | 2 | $ 630,000 | $ 315,000 | $ 113,000 |
| San Jacinto, Texas | 2 | $ 1,030,000 | $ 515,000 | $ 183,000 |
| Norfolk, Virginia | 2 | $ 590,000 | $ 295,000 | $ 82,000 |
| Spotsylvania, Virginia | 2 | $ 660,000 | $ 330,000 | $ 81,000 |
| Russell, Alabama | 1 | $ 295,000 | $ 295,000 | $ 115,000 |
| Maricopa, Arizona | 1 | $ 505,000 | $ 505,000 | $ 161,000 |
| Douglas, Colorado | 1 | $ 525,000 | $ 525,000 | $ 147,000 |
| Citrus, Florida | 1 | $ 215,000 | $ 215,000 | $ 81,000 |
| Collier, Florida | 1 | $ 605,000 | $ 605,000 | $ 162,000 |
| Escambia, Florida | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Leon, Florida | 1 | $ 705,000 | $ 705,000 | $ 318,000 |
| Nassau, Florida | 1 | $ 355,000 | $ 355,000 | $ 116,000 |
| Okaloosa, Florida | 1 | $ 295,000 | $ 295,000 | $ 142,000 |
| Putnam, Florida | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Seminole, Florida | 1 | $ 495,000 | $ 495,000 | $ 122,000 |
| St. Johns, Florida | 1 | $ 455,000 | $ 455,000 | $ 110,000 |
| St. Lucie, Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Baldwin, Georgia | 1 | $ 365,000 | $ 365,000 | $ 227,000 |
| Ben Hill, Georgia | 1 | $ 215,000 | $ 215,000 | $ 96,000 |
| Bryan, Georgia | 1 | $ 1,095,000 | $ 1,095,000 | $ 480,000 |
| Columbia, Georgia | 1 | $ 295,000 | $ 295,000 | $ 155,000 |
| Cook, Georgia | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Elbert, Georgia | 1 | $ 145,000 | $ 145,000 | $ 185,000 |
| Glascock, Georgia | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Glynn, Georgia | 1 | $ 345,000 | $ 345,000 | $ 216,000 |
| Hart, Georgia | 1 | $ 255,000 | $ 255,000 | $ 58,000 |
| Houston, Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Liberty, Georgia | 1 | $ 235,000 | $ 235,000 | $ 169,000 |
| Long, Georgia | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Lumpkin, Georgia | 1 | $ 495,000 | $ 495,000 | $ 130,000 |
| Meriwether, Georgia | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Murray, Georgia | 1 | $ 185,000 | $ 185,000 | $ 160,000 |
| Polk, Georgia | 1 | $ 445,000 | $ 445,000 | $ 533,000 |
| Union, Georgia | 1 | $ 285,000 | $ 285,000 | $ 106,000 |
| Wayne, Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| White, Georgia | 1 | $ 395,000 | $ 395,000 | $ 86,000 |
| Cook, Illinois | 1 | $ 375,000 | $ 375,000 | $ 145,000 |
| DuPage, Illinois | 1 | $ 195,000 | $ 195,000 | $ 365,000 |
| Jackson, Illinois | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Madison, Illinois | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
| Benton, Indiana | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Brown, Indiana | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| Clark, Indiana | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Daviess, Indiana | 1 | $ 355,000 | $ 355,000 | $ 166,000 |
| Fountain, Indiana | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Greene, Indiana | 1 | $ 285,000 | $ 285,000 | $ 187,000 |
| Henry, Indiana | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Tipton, Indiana | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Jefferson, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 43,000 |
| West Baton Rouge, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 105,000 |
| Howard, Maryland | 1 | $ 535,000 | $ 535,000 | $ 182,000 |
| Suffolk, Massachusetts | 1 | $ 725,000 | $ 725,000 | $ 195,000 |
| DeSoto, Mississippi | 1 | $ 365,000 | $ 365,000 | $ 213,000 |
| Warren, Missouri | 1 | $ 445,000 | $ 445,000 | $ 100,000 |
| Monmouth, New Jersey | 1 | $ 1,005,000 | $ 1,005,000 | $ 693,000 |
| Dona Ana, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Lincoln, New Mexico | 1 | $ 225,000 | $ 225,000 | $ 1,081,000 |
| Alamance, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Polk, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Wake, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 290,000 |
| Cuyahoga, Ohio | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Licking, Ohio | 1 | $ 275,000 | $ 275,000 | $ 65,000 |
| Lucas, Ohio | 1 | $ 55,000 | $ 55,000 | $ 132,000 |
| Washington, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Dauphin, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 334,000 |
| Aiken, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| Beaufort, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 155,000 |
| Charleston, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 193,000 |
| Cherokee, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Greenville, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 121,000 |
| Laurens, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 103,000 |
| York, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Blount, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 421,000 |
| Hamilton, Tennessee | 1 | $ 465,000 | $ 465,000 | $ 133,000 |
| Williamson, Tennessee | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Brazoria, Texas | 1 | $ 485,000 | $ 485,000 | $ 267,000 |
| Brazos, Texas | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Brown, Texas | 1 | $ 125,000 | $ 125,000 | $ 20,000 |
| Calhoun, Texas | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Coryell, Texas | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| DeWitt, Texas | 1 | $ 565,000 | $ 565,000 | $ 175,000 |
| Fannin, Texas | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Freestone, Texas | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Gaines, Texas | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Guadalupe, Texas | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Hamilton, Texas | 1 | $ 315,000 | $ 315,000 | $ 136,000 |
| Hardin, Texas | 1 | $ 625,000 | $ 625,000 | $ 268,000 |
| Hopkins, Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Hunt, Texas | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Jefferson, Texas | 1 | $ 535,000 | $ 535,000 | $ 156,000 |
| Jim Wells, Texas | 1 | $ 375,000 | $ 375,000 | $ 144,000 |
| Lavaca, Texas | 1 | $ 315,000 | $ 315,000 | $ 117,000 |
| Madison, Texas | 1 | $ 625,000 | $ 625,000 | $ 287,000 |
| McCulloch, Texas | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| McLennan, Texas | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Mills, Texas | 1 | $ 1,005,000 | $ 1,005,000 | $ 720,000 |
| Newton, Texas | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Palo Pinto, Texas | 1 | $ 465,000 | $ 465,000 | $ 119,000 |
| Runnels, Texas | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| San Patricio, Texas | 1 | $ 395,000 | $ 395,000 | $ 98,000 |
| Smith, Texas | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Waller, Texas | 1 | $ 335,000 | $ 335,000 | $ 86,000 |
| Wood, Texas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Albemarle, Virginia | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Alexandria, Virginia | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Arlington, Virginia | 1 | $ 165,000 | $ 165,000 | $ 310,000 |
| Culpeper, Virginia | 1 | $ 405,000 | $ 405,000 | $ 88,000 |
| Dinwiddie, Virginia | 1 | $ 395,000 | $ 395,000 | $ 84,000 |
| Fauquier, Virginia | 1 | $ 555,000 | $ 555,000 | $ 219,000 |
| Loudoun, Virginia | 1 | $ 565,000 | $ 565,000 | $ 221,000 |
| Nelson, Virginia | 1 | $ 295,000 | $ 295,000 | $ 74,000 |
| Newport News, Virginia | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Northumberland, Virginia | 1 | $ 255,000 | $ 255,000 | $ 276,000 |
| Suffolk, Virginia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Dane, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 81,000 |
| Rock, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for First Option Mortgage, LLC in 2025
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 | 2,184 | $617,220,000 | $282,000 | $2,735,000 | $117,000 | $6,276,000 |
| Cash-out Refinancing | 239 | $75,285,000 | $315,000 | $2,035,000 | $167,000 | $6,006,000 |
| Refinancing | 142 | $45,280,000 | $318,000 | $945,000 | $132,000 | $708,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 1,231 | $339,555,000 | $275,000 | $1,295,000 | $114,000 | $3,101,000 |
| White | 922 | $252,460,000 | $273,000 | $2,035,000 | $99,000 | $6,006,000 |
| Asian | 201 | $83,765,000 | $416,000 | $2,735,000 | $289,000 | $6,276,000 |
| Black or African American | 198 | $57,540,000 | $290,000 | $1,545,000 | $113,000 | $500,000 |
| Not applicable | 5 | $1,335,000 | $267,000 | $335,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,650,000 | $412,000 | $515,000 | $143,000 | $204,000 |
| American Indian or Alaskan Native | 3 | $975,000 | $325,000 | $445,000 | $95,000 | $127,000 |
| Not Provided | 1 | $505,000 | $505,000 | $505,000 | $161,000 | $161,000 |
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) | 1,644 | $454,410,000 | $276,000 | $2,735,000 | $146,000 | $6,276,000 |
| FHA-insured (Federal Housing Administration) | 832 | $254,390,000 | $305,000 | $735,000 | $76,000 | $521,000 |
| VA-guaranteed (Veterans Administration) | 69 | $24,955,000 | $361,000 | $735,000 | $122,000 | $352,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $4,030,000 | $201,000 | $305,000 | $80,000 | $111,000 |
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 | 1,736 | $503,270,000 | $289,000 | $2,735,000 | $122,000 | $6,276,000 |
| Application Withdrawn By Applicant | 419 | $123,105,000 | $293,000 | $2,035,000 | $133,000 | $3,101,000 |
| Application Approved But Not Accepted | 241 | $63,925,000 | $265,000 | $1,005,000 | $109,000 | $1,727,000 |
| File Closed For Incompleteness | 83 | $22,485,000 | $270,000 | $1,095,000 | $134,000 | $742,000 |
| Application Denied By Financial Institution | 81 | $23,665,000 | $292,000 | $1,995,000 | $101,000 | $588,000 |
| Loan Purchased By The Institution | 5 | $1,335,000 | $267,000 | $335,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,484 | $714,120,000 | $287,000 | $2,735,000 | $123,000 | $6,276,000 |
| Collateral | 27 | $8,165,000 | $302,000 | $1,995,000 | $95,000 | $564,000 |
| Debt-To-Income Ratio | 20 | $5,520,000 | $276,000 | $495,000 | $113,000 | $588,000 |
| Unverifiable Information | 18 | $5,260,000 | $292,000 | $535,000 | $92,000 | $193,000 |
| Credit History | 8 | $2,920,000 | $365,000 | $735,000 | $143,000 | $328,000 |
| Employment History | 6 | $1,330,000 | $221,000 | $465,000 | $61,000 | $81,000 |
| Credit Application Incomplete | 2 | $470,000 | $235,000 | $265,000 | $78,000 | $103,000 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Option Mortgage, LLC's 2025 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 Option Mortgage, 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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