First Priority Financial Mortgage Lending & HMDA Data, 2016
In 2016, First Priority Financial of Fairfield, AL reported 3,273 mortgage applications totaling $995.8 million, down 27% from 2015. The average application was for $304,250, and applicants reported an average income of $105,798. 72% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Vallejo-Fairfield, CA (872), Oakland-Hayward-Berkeley, CA (441) and Sacramento--Roseville--Arden-Arcade, CA (432) (applications in parentheses).
| Mortgage Company & Address | First Priority Financial 3700 Hilborn Road, Suite 700 Fairfield, AL 94534 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 3,273 |
| Total Mortgage Loan Application Amount | $995,813,000 |
| Average Mortgage Loan Application Amount | $304,250 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $105,798 |
| Highest Applicant Income | $2,417,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Priority Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Solano, California | 872 | $ 264,298,000 | $ 303,094 | $ 100,000 |
| Contra Costa, California | 270 | $ 100,959,000 | $ 373,922 | $ 126,000 |
| Sacramento, California | 260 | $ 68,124,000 | $ 262,015 | $ 100,000 |
| Sonoma, California | 203 | $ 75,150,000 | $ 370,197 | $ 119,000 |
| Kern, California | 195 | $ 31,987,000 | $ 164,035 | $ 79,000 |
| Humboldt, California | 179 | $ 42,794,000 | $ 239,072 | $ 86,000 |
| Alameda, California | 171 | $ 82,600,000 | $ 483,040 | $ 144,000 |
| Butte, California | 86 | $ 18,690,000 | $ 217,325 | $ 90,000 |
| San Diego, California | 73 | $ 25,342,000 | $ 347,150 | $ 107,000 |
| Los Angeles, California | 69 | $ 29,880,000 | $ 433,043 | $ 140,000 |
| Placer, California | 68 | $ 24,789,000 | $ 364,544 | $ 124,000 |
| Yolo, California | 65 | $ 20,267,000 | $ 311,800 | $ 107,000 |
| Tehama, California | 62 | $ 11,219,000 | $ 180,951 | $ 67,000 |
| Calaveras, California | 58 | $ 15,003,000 | $ 258,672 | $ 111,000 |
| Shasta, California | 51 | $ 9,371,000 | $ 183,745 | $ 88,000 |
| Napa, California | 48 | $ 16,946,000 | $ 353,041 | $ 121,000 |
| San Joaquin, California | 46 | $ 14,506,000 | $ 315,347 | $ 106,000 |
| Spokane, Washington | 41 | $ 8,882,000 | $ 216,634 | $ 91,000 |
| El Dorado, California | 39 | $ 14,343,000 | $ 367,769 | $ 121,000 |
| Mendocino, California | 36 | $ 10,097,000 | $ 280,472 | $ 80,000 |
| Glenn, California | 33 | $ 4,912,000 | $ 148,848 | $ 59,000 |
| Polk, Iowa | 32 | $ 5,394,000 | $ 168,562 | $ 65,000 |
| Marin, California | 28 | $ 12,928,000 | $ 461,714 | $ 163,000 |
| Santa Clara, California | 25 | $ 12,474,000 | $ 498,960 | $ 184,000 |
| Dallas, Iowa | 17 | $ 3,572,000 | $ 210,117 | $ 121,000 |
| San Francisco, California | 15 | $ 5,848,000 | $ 389,866 | $ 133,000 |
| Stanislaus, California | 15 | $ 2,828,000 | $ 188,533 | $ 90,000 |
| Riverside, California | 14 | $ 4,214,000 | $ 301,000 | $ 110,000 |
| Orange, California | 13 | $ 6,677,000 | $ 513,615 | $ 192,000 |
| Yuba, California | 13 | $ 3,268,000 | $ 251,384 | $ 94,000 |
| Fresno, California | 12 | $ 3,326,000 | $ 277,166 | $ 101,000 |
| Deschutes, Oregon | 12 | $ 2,562,000 | $ 213,500 | $ 69,000 |
| Multnomah, Oregon | 12 | $ 2,877,000 | $ 239,750 | $ 65,000 |
| San Mateo, California | 10 | $ 4,554,000 | $ 455,400 | $ 151,000 |
| Nevada, California | 9 | $ 2,856,000 | $ 317,333 | $ 144,000 |
| Lake, California | 7 | $ 1,001,000 | $ 143,000 | $ 73,000 |
| San Bernardino, California | 7 | $ 2,243,000 | $ 320,428 | $ 116,000 |
| Merced, California | 6 | $ 1,453,000 | $ 242,166 | $ 63,000 |
| Santa Cruz, California | 6 | $ 2,316,000 | $ 386,000 | $ 159,000 |
| Tuolumne, California | 6 | $ 1,729,000 | $ 288,166 | $ 91,000 |
| Clark, Washington | 6 | $ 1,550,000 | $ 258,333 | $ 90,000 |
| Amador, California | 5 | $ 1,158,000 | $ 231,600 | $ 81,000 |
| Colusa, California | 5 | $ 1,331,000 | $ 266,200 | $ 65,000 |
| Monterey, California | 5 | $ 2,235,000 | $ 447,000 | $ 158,000 |
| Ventura, California | 5 | $ 2,232,000 | $ 446,400 | $ 99,000 |
| Clackamas, Oregon | 5 | $ 1,073,000 | $ 214,600 | $ 86,000 |
| Snohomish, Washington | 5 | $ 1,429,000 | $ 285,800 | $ 115,000 |
| Siskiyou, California | 4 | $ 696,000 | $ 174,000 | $ 114,000 |
| King, Washington | 4 | $ 1,219,000 | $ 304,750 | $ 67,000 |
| Del Norte, California | 3 | $ 724,000 | $ 241,333 | $ 81,000 |
| San Luis Obispo, California | 3 | $ 1,379,000 | $ 459,666 | $ 189,000 |
| Sutter, California | 3 | $ 563,000 | $ 187,666 | $ 56,000 |
| Trinity, California | 3 | $ 880,000 | $ 293,333 | $ 132,000 |
| Kootenai, Idaho | 3 | $ 477,000 | $ 159,000 | $ 30,000 |
| Warren, Iowa | 3 | $ 428,000 | $ 142,666 | $ 87,000 |
| Washington, Oregon | 3 | $ 817,000 | $ 272,333 | $ 103,000 |
| Bonner, Idaho | 2 | $ 447,000 | $ 223,500 | $ 68,000 |
| Jackson, Oregon | 2 | $ 456,000 | $ 228,000 | $ 59,000 |
| Grant, Washington | 2 | $ 312,000 | $ 156,000 | $ 94,000 |
| Pierce, Washington | 2 | $ 353,000 | $ 176,500 | $ 69,000 |
| Stevens, Washington | 2 | $ 639,000 | $ 319,500 | $ 103,000 |
| Whitman, Washington | 2 | $ 509,000 | $ 254,500 | $ 74,000 |
| Mariposa, California | 1 | $ 132,000 | $ 132,000 | $ 84,000 |
| Plumas, California | 1 | $ 300,000 | $ 300,000 | $ 50,000 |
| Santa Barbara, California | 1 | $ 280,000 | $ 280,000 | $ 282,000 |
| Ada, Idaho | 1 | $ 417,000 | $ 417,000 | $ 148,000 |
| Jefferson, Oregon | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Josephine, Oregon | 1 | $ 227,000 | $ 227,000 | $ 100,000 |
| Klamath, Oregon | 1 | $ 148,000 | $ 148,000 | $ 47,000 |
| Linn, Oregon | 1 | $ 160,000 | $ 160,000 | $ 73,000 |
| Marion, Oregon | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Union, Oregon | 1 | $ 297,000 | $ 297,000 | $ 81,000 |
| Yamhill, Oregon | 1 | $ 184,000 | $ 184,000 | $ 50,000 |
| Franklin, Washington | 1 | $ 207,000 | $ 207,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for First Priority Financial 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 | 1,854 | $542,416,000 | $292,000 | $1,800,000 | $101,000 | $820,000 |
| Refinancing | 1,088 | $353,064,000 | $324,000 | $1,506,000 | $113,000 | $2,417,000 |
| Home Improvement | 331 | $100,333,000 | $303,000 | $1,000,000 | $109,000 | $1,136,000 |
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 | 2,193 | $686,566,000 | $313,000 | $1,800,000 | $111,000 | $2,417,000 |
| Hispanic | 571 | $147,230,000 | $257,000 | $1,000,000 | $83,000 | $1,136,000 |
| Asian | 199 | $65,362,000 | $328,000 | $1,391,000 | $108,000 | $602,000 |
| Black or African American | 132 | $39,043,000 | $295,000 | $1,360,000 | $97,000 | $296,000 |
| Not Provided | 116 | $37,596,000 | $324,000 | $1,269,000 | $113,000 | $270,000 |
| Native Hawaiin or Other Pacific Islander | 48 | $15,785,000 | $328,000 | $802,000 | $106,000 | $349,000 |
| American Indian or Alaskan Native | 14 | $4,231,000 | $302,000 | $588,000 | $75,000 | $182,000 |
| 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) | 2,166 | $658,383,000 | $303,000 | $1,800,000 | $116,000 | $2,417,000 |
| FHA-insured (Federal Housing Administration) | 763 | $215,974,000 | $283,000 | $745,000 | $81,000 | $404,000 |
| VA-guaranteed (Veterans Administration) | 300 | $112,557,000 | $375,000 | $844,000 | $99,000 | $489,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $8,899,000 | $202,000 | $396,000 | $56,000 | $98,000 |
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 | 2,358 | $708,447,000 | $300,000 | $1,800,000 | $104,000 | $820,000 |
| Application Denied By Financial Institution | 542 | $165,238,000 | $304,000 | $1,506,000 | $111,000 | $2,417,000 |
| Application Withdrawn By Applicant | 296 | $99,016,000 | $334,000 | $1,360,000 | $112,000 | $435,000 |
| File Closed For Incompleteness | 70 | $20,969,000 | $299,000 | $665,000 | $89,000 | $350,000 |
| Application Approved But Not Accepted | 7 | $2,143,000 | $306,000 | $380,000 | $82,000 | $140,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 11 | $3,802,000 | $345,000 | $940,000 | $108,000 | $276,000 |
| Collateral | 7 | $3,357,000 | $479,000 | $1,000,000 | $266,000 | $1,136,000 |
| Other | 4 | $642,000 | $160,000 | $392,000 | $104,000 | $116,000 |
| Debt-To-Income Ratio | 3 | $558,000 | $186,000 | $319,000 | $56,000 | $70,000 |
| Credit History | 2 | $607,000 | $303,000 | $396,000 | $98,000 | $115,000 |
| Employment History | 1 | $334,000 | $334,000 | $334,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Priority Financial'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 Priority Financial'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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