First Residential Mortgage Mortgage Lending & HMDA Data, 2011
In 2011, First Residential Mortgage of Louisville, KY reported 20,404 mortgage applications totaling $4.5 billion, down 67% from 2010. The average application was for $222,717, and applicants reported an average income of $97,058. 5% of its applications resulted in an originated loan and 55% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (707), Washington-Arlington-Alexandria, DC-VA-MD-WV (605) and Chicago-Joliet-Naperville, IL (503) (applications in parentheses).
| Mortgage Company & Address | First Residential Mortgage 9721 Ormsby Station Rd. Louisville, KY 40223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 20,404 |
| Total Mortgage Loan Application Amount | $4,544,333,000 |
| Average Mortgage Loan Application Amount | $222,717 |
| Highest Mortgage Loan Application Amount | $776,000 |
| Average Applicant Income | $97,058 |
| Highest Applicant Income | $1,992,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Residential Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 707 | $ 247,973,000 | $ 350,739 | $ 119,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 605 | $ 191,569,000 | $ 316,642 | $ 123,246 |
| Chicago-Joliet-Naperville, IL | 503 | $ 105,996,000 | $ 210,727 | $ 80,000 |
| New York-White Plains-Wayne, NY-NJ | 499 | $ 155,349,000 | $ 311,320 | $ 116,881 |
| Atlanta-Sandy Springs-Marietta, GA | 422 | $ 80,916,000 | $ 191,744 | $ 92,000 |
| Baltimore-Towson, MD | 412 | $ 106,551,000 | $ 258,618 | $ 113,000 |
| Houston-Sugar Land-Baytown, TX | 411 | $ 73,134,000 | $ 177,941 | $ 104,000 |
| Philadelphia, PA | 348 | $ 74,221,000 | $ 213,278 | $ 103,000 |
| Nassau-Suffolk, NY | 337 | $ 100,423,000 | $ 297,991 | $ 117,000 |
| San Diego-Carlsbad-San Marcos, CA | 302 | $ 101,388,000 | $ 335,721 | $ 111,000 |
| Louisville-Jefferson County, KY-IN | 300 | $ 53,257,000 | $ 177,523 | $ 90,040 |
| Riverside-San Bernardino-Ontario, CA | 276 | $ 65,362,000 | $ 236,818 | $ 100,000 |
| Edison-New Brunswick, NJ | 273 | $ 77,943,000 | $ 285,505 | $ 110,000 |
| Dallas-Plano-Irving, TX | 270 | $ 49,632,000 | $ 183,822 | $ 98,000 |
| Santa Ana-Anaheim-Irvine, CA | 270 | $ 101,360,000 | $ 375,407 | $ 128,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 219 | $ 48,644,000 | $ 222,118 | $ 89,493 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 214 | $ 42,927,000 | $ 200,593 | $ 83,299 |
| Indianapolis-Carmel, IN | 210 | $ 34,501,000 | $ 164,290 | $ 77,000 |
| Bethesda-Rockville-Frederick, MD | 207 | $ 67,757,000 | $ 327,328 | $ 117,000 |
| Oakland-Fremont-Hayward, CA | 204 | $ 74,320,000 | $ 364,313 | $ 124,000 |
| Seattle-Bellevue-Everett, WA | 203 | $ 55,314,000 | $ 272,482 | $ 98,000 |
| Newark-Union, NJ-PA | 202 | $ 58,847,000 | $ 291,321 | $ 144,371 |
| Phoenix-Mesa-Glendale, AZ | 202 | $ 41,255,000 | $ 204,232 | $ 93,000 |
| Kansas City, MO-KS | 194 | $ 35,558,000 | $ 183,288 | $ 85,252 |
| Sacramento--Arden-Arcade--Roseville, CA | 191 | $ 51,803,000 | $ 271,219 | $ 114,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 186 | $ 36,453,000 | $ 195,983 | $ 91,000 |
| St. Louis, MO-IL | 186 | $ 32,097,000 | $ 172,564 | $ 85,698 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 171 | $ 31,620,000 | $ 184,912 | $ 90,842 |
| Hartford-West Hartford-East Hartford, CT | 162 | $ 36,371,000 | $ 224,512 | $ 97,000 |
| Portland-South Portland-Biddeford, ME | 160 | $ 33,929,000 | $ 212,056 | $ 77,000 |
| San Francisco-San Mateo-Redwood City, CA | 160 | $ 68,153,000 | $ 425,956 | $ 121,000 |
| Raleigh-Cary, NC | 155 | $ 29,100,000 | $ 187,741 | $ 95,000 |
| San Antonio-New Braunfels, TX | 150 | $ 26,630,000 | $ 177,533 | $ 100,000 |
| Austin-Round Rock-San Marcos, TX | 146 | $ 28,637,000 | $ 196,143 | $ 95,000 |
| Pittsburgh, PA | 145 | $ 22,025,000 | $ 151,896 | $ 95,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 144 | $ 58,307,000 | $ 404,909 | $ 127,000 |
| Fort Worth-Arlington, TX | 143 | $ 24,268,000 | $ 169,706 | $ 89,000 |
| Richmond, VA | 138 | $ 28,987,000 | $ 210,050 | $ 88,000 |
| Wilmington, DE-MD-NJ | 138 | $ 29,716,000 | $ 215,333 | $ 84,391 |
| Warren-Troy-Farmington Hills, MI | 122 | $ 25,385,000 | $ 208,073 | $ 95,000 |
| Providence-New Bedford-Fall River, RI-MA | 121 | $ 27,030,000 | $ 223,388 | $ 80,256 |
| Oxnard-Thousand Oaks-Ventura, CA | 114 | $ 41,591,000 | $ 364,833 | $ 146,000 |
| New Orleans-Metairie-Kenner, LA | 109 | $ 20,232,000 | $ 185,614 | $ 126,000 |
| Camden, NJ | 107 | $ 21,185,000 | $ 197,990 | $ 124,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 102 | $ 21,796,000 | $ 213,686 | $ 94,000 |
| Birmingham-Hoover, AL | 100 | $ 18,559,000 | $ 185,590 | $ 74,000 |
| Milwaukee-Waukesha-West Allis, WI | 99 | $ 18,868,000 | $ 190,585 | $ 98,000 |
| Boston-Quincy, MA | 94 | $ 22,948,000 | $ 244,127 | $ 88,000 |
| Albany-Schenectady-Troy, NY | 93 | $ 16,352,000 | $ 175,827 | $ 83,000 |
| Little Rock-North Little Rock-Conway, AR | 91 | $ 15,062,000 | $ 165,516 | $ 96,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 90 | $ 18,553,000 | $ 206,144 | $ 92,244 |
| Gary, IN | 90 | $ 15,887,000 | $ 176,522 | $ 89,000 |
| Lake County-Kenosha County, IL-WI | 90 | $ 20,371,000 | $ 226,344 | $ 87,755 |
| New Haven-Milford, CT | 88 | $ 20,262,000 | $ 230,250 | $ 85,000 |
| Memphis, TN-MS-AR | 87 | $ 16,386,000 | $ 188,344 | $ 89,781 |
| Portland-Vancouver-Hillsboro, OR-WA | 87 | $ 19,313,000 | $ 221,988 | $ 95,597 |
| Bridgeport-Stamford-Norwalk, CT | 86 | $ 29,433,000 | $ 342,244 | $ 140,000 |
| Rockingham County-Strafford County, NH | 86 | $ 19,162,000 | $ 222,813 | $ 95,000 |
| Wilmington, NC | 77 | $ 14,660,000 | $ 190,389 | $ 98,000 |
| Greensboro-High Point, NC | 76 | $ 12,577,000 | $ 165,486 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 75 | $ 11,171,000 | $ 148,946 | $ 92,000 |
| Omaha-Council Bluffs, NE-IA | 74 | $ 13,091,000 | $ 176,905 | $ 79,945 |
| Lexington-Fayette, KY | 69 | $ 12,673,000 | $ 183,666 | $ 104,000 |
| Harrisburg-Carlisle, PA | 68 | $ 11,067,000 | $ 162,750 | $ 87,000 |
| Asheville, NC | 67 | $ 12,647,000 | $ 188,761 | $ 74,000 |
| Cambridge-Newton-Framingham, MA | 67 | $ 17,342,000 | $ 258,835 | $ 100,000 |
| Durham-Chapel Hill, NC | 67 | $ 11,651,000 | $ 173,895 | $ 76,000 |
| Tucson, AZ | 67 | $ 13,476,000 | $ 201,134 | $ 91,000 |
| Huntsville, AL | 66 | $ 12,523,000 | $ 189,742 | $ 71,000 |
| Baton Rouge, LA | 64 | $ 10,174,000 | $ 158,968 | $ 105,000 |
| Manchester-Nashua, NH | 64 | $ 14,243,000 | $ 222,546 | $ 82,000 |
| Tacoma, WA | 64 | $ 14,772,000 | $ 230,812 | $ 99,000 |
| Buffalo-Niagara Falls, NY | 63 | $ 9,370,000 | $ 148,730 | $ 84,000 |
| Rochester, NY | 63 | $ 9,437,000 | $ 149,793 | $ 74,000 |
| Cincinnati-Middletown, OH-KY-IN | 54 | $ 10,533,000 | $ 195,055 | $ 100,666 |
| Des Moines-West Des Moines, IA | 53 | $ 9,882,000 | $ 186,452 | $ 90,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 52 | $ 9,346,000 | $ 179,730 | $ 99,307 |
| Fresno, CA | 52 | $ 10,272,000 | $ 197,538 | $ 85,000 |
| Peabody, MA | 51 | $ 13,582,000 | $ 266,313 | $ 95,000 |
| Worcester, MA | 51 | $ 10,503,000 | $ 205,941 | $ 77,000 |
| Madison, WI | 49 | $ 8,781,000 | $ 179,204 | $ 78,000 |
| Winston-Salem, NC | 49 | $ 7,729,000 | $ 157,734 | $ 72,000 |
| Lancaster, PA | 48 | $ 7,635,000 | $ 159,062 | $ 77,000 |
| Wichita, KS | 47 | $ 7,135,000 | $ 151,808 | $ 85,000 |
| Santa Rosa-Petaluma, CA | 45 | $ 15,763,000 | $ 350,288 | $ 96,000 |
| Knoxville, TN | 44 | $ 8,323,000 | $ 189,159 | $ 83,000 |
| Scranton--Wilkes-Barre, PA | 43 | $ 6,819,000 | $ 158,581 | $ 73,000 |
| Syracuse, NY | 42 | $ 6,093,000 | $ 145,071 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 41 | $ 15,339,000 | $ 374,121 | $ 118,000 |
| Chattanooga, TN-GA | 40 | $ 6,916,000 | $ 172,900 | $ 93,700 |
| San Luis Obispo-Paso Robles, CA | 40 | $ 14,371,000 | $ 359,275 | $ 106,000 |
| Reading, PA | 39 | $ 6,840,000 | $ 175,384 | $ 120,000 |
| Spokane, WA | 39 | $ 6,682,000 | $ 171,333 | $ 67,000 |
| Springfield, MA | 39 | $ 6,185,000 | $ 158,589 | $ 78,000 |
| Orlando-Kissimmee-Sanford, FL | 38 | $ 6,343,000 | $ 166,921 | $ 88,000 |
| York-Hanover, PA | 38 | $ 6,307,000 | $ 165,973 | $ 84,000 |
| Savannah, GA | 37 | $ 6,840,000 | $ 184,864 | $ 84,000 |
| Bakersfield-Delano, CA | 34 | $ 6,987,000 | $ 205,500 | $ 100,000 |
| Detroit-Livonia-Dearborn, MI | 34 | $ 5,646,000 | $ 166,058 | $ 94,000 |
| Jackson, MS | 33 | $ 5,917,000 | $ 179,303 | $ 92,000 |
| Norwich-New London, CT | 33 | $ 7,581,000 | $ 229,727 | $ 84,000 |
| Prescott, AZ | 33 | $ 6,616,000 | $ 200,484 | $ 84,000 |
| Stockton, CA | 33 | $ 8,023,000 | $ 243,121 | $ 92,000 |
| El Paso, TX | 32 | $ 4,491,000 | $ 140,343 | $ 86,000 |
| Salinas, CA | 32 | $ 12,041,000 | $ 376,281 | $ 103,000 |
| Springfield, MO | 32 | $ 5,152,000 | $ 161,000 | $ 74,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 32 | $ 5,559,000 | $ 173,718 | $ 79,000 |
| Burlington-South Burlington, VT | 31 | $ 6,662,000 | $ 214,903 | $ 91,000 |
| Corpus Christi, TX | 31 | $ 5,130,000 | $ 165,483 | $ 102,000 |
| Greenville-Mauldin-Easley, SC | 31 | $ 4,880,000 | $ 157,419 | $ 75,000 |
| Killeen-Temple-Fort Hood, TX | 31 | $ 4,331,000 | $ 139,709 | $ 78,000 |
| Bremerton-Silverdale, WA | 30 | $ 6,995,000 | $ 233,166 | $ 90,000 |
| Hickory-Lenoir-Morganton, NC | 30 | $ 4,418,000 | $ 147,266 | $ 63,000 |
| Jacksonville, FL | 29 | $ 4,837,000 | $ 166,793 | $ 76,000 |
| McAllen-Edinburg-Mission, TX | 29 | $ 5,053,000 | $ 174,241 | $ 82,000 |
| Montgomery, AL | 29 | $ 5,566,000 | $ 191,931 | $ 66,000 |
| Ocean City, NJ | 29 | $ 6,770,000 | $ 233,448 | $ 133,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 29 | $ 11,383,000 | $ 392,517 | $ 114,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 28 | $ 5,312,000 | $ 189,714 | $ 106,000 |
| Lynchburg, VA | 28 | $ 5,371,000 | $ 191,821 | $ 75,000 |
| Trenton-Ewing, NJ | 28 | $ 7,422,000 | $ 265,071 | $ 154,000 |
| Columbia, SC | 27 | $ 4,457,000 | $ 165,074 | $ 74,000 |
| Fayetteville, NC | 27 | $ 4,239,000 | $ 157,000 | $ 76,000 |
| Rockford, IL | 27 | $ 4,712,000 | $ 174,518 | $ 99,000 |
| Appleton, WI | 26 | $ 3,707,000 | $ 142,576 | $ 67,000 |
| Atlantic City-Hammonton, NJ | 26 | $ 5,394,000 | $ 207,461 | $ 88,000 |
| Charleston-North Charleston-Summerville, SC | 26 | $ 5,542,000 | $ 213,153 | $ 73,000 |
| Green Bay, WI | 26 | $ 4,101,000 | $ 157,730 | $ 118,000 |
| Lincoln, NE | 26 | $ 4,922,000 | $ 189,307 | $ 72,000 |
| Kingsport-Bristol-Bristol, TN-VA | 25 | $ 3,746,000 | $ 149,840 | $ 78,200 |
| Miami-Miami Beach-Kendall, FL | 25 | $ 4,510,000 | $ 180,400 | $ 68,000 |
| Olympia, WA | 25 | $ 5,461,000 | $ 218,440 | $ 88,000 |
| Vallejo-Fairfield, CA | 25 | $ 6,526,000 | $ 261,040 | $ 87,000 |
| Cedar Rapids, IA | 24 | $ 4,375,000 | $ 182,291 | $ 86,000 |
| Charlottesville, VA | 24 | $ 5,442,000 | $ 226,750 | $ 80,000 |
| Gulfport-Biloxi, MS | 24 | $ 4,334,000 | $ 180,583 | $ 87,000 |
| Macon, GA | 24 | $ 3,914,000 | $ 163,083 | $ 75,000 |
| Redding, CA | 24 | $ 4,574,000 | $ 190,583 | $ 103,000 |
| Grand Rapids-Wyoming, MI | 23 | $ 4,331,000 | $ 188,304 | $ 89,000 |
| Modesto, CA | 23 | $ 4,253,000 | $ 184,913 | $ 70,000 |
| Shreveport-Bossier City, LA | 23 | $ 3,930,000 | $ 170,869 | $ 104,000 |
| Elizabethtown, KY | 22 | $ 3,536,000 | $ 160,727 | $ 78,000 |
| Elkhart-Goshen, IN | 22 | $ 3,329,000 | $ 151,318 | $ 82,000 |
| Fort Wayne, IN | 22 | $ 3,403,000 | $ 154,681 | $ 66,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 22 | $ 3,795,000 | $ 172,500 | $ 65,000 |
| Roanoke, VA | 22 | $ 3,576,000 | $ 162,545 | $ 70,000 |
| Topeka, KS | 22 | $ 3,493,000 | $ 158,772 | $ 90,000 |
| Chico, CA | 21 | $ 4,389,000 | $ 209,000 | $ 95,000 |
| Clarksville, TN-KY | 21 | $ 3,633,000 | $ 173,000 | $ 82,857 |
| Kingston, NY | 21 | $ 3,993,000 | $ 190,142 | $ 95,000 |
| Augusta-Richmond County, GA-SC | 20 | $ 3,291,000 | $ 164,550 | $ 72,050 |
| Cheyenne, WY | 20 | $ 4,266,000 | $ 213,300 | $ 101,000 |
| Duluth, MN-WI | 20 | $ 3,739,000 | $ 186,950 | $ 73,600 |
| Evansville, IN-KY | 20 | $ 2,885,000 | $ 144,250 | $ 54,550 |
| Hagerstown-Martinsburg, MD-WV | 20 | $ 3,966,000 | $ 198,300 | $ 77,000 |
| Lake Havasu City-Kingman, AZ | 20 | $ 3,407,000 | $ 170,350 | $ 82,000 |
| Mobile, AL | 20 | $ 3,352,000 | $ 167,600 | $ 79,000 |
| Visalia-Porterville, CA | 20 | $ 4,187,000 | $ 209,350 | $ 79,000 |
| Beaumont-Port Arthur, TX | 19 | $ 3,023,000 | $ 159,105 | $ 84,000 |
| Dover, DE | 19 | $ 3,837,000 | $ 201,947 | $ 79,000 |
| Kennewick-Pasco-Richland, WA | 19 | $ 3,509,000 | $ 184,684 | $ 114,000 |
| Madera-Chowchilla, CA | 19 | $ 3,893,000 | $ 204,894 | $ 127,000 |
| Fort Smith, AR-OK | 18 | $ 2,608,000 | $ 144,888 | $ 78,000 |
| Jacksonville, NC | 18 | $ 3,183,000 | $ 176,833 | $ 85,000 |
| Lafayette, IN | 18 | $ 2,467,000 | $ 137,055 | $ 66,000 |
| Napa, CA | 18 | $ 7,267,000 | $ 403,722 | $ 156,000 |
| Amarillo, TX | 17 | $ 2,952,000 | $ 173,647 | $ 95,000 |
| Auburn-Opelika, AL | 17 | $ 3,447,000 | $ 202,764 | $ 70,000 |
| Bloomington, IN | 17 | $ 2,732,000 | $ 160,705 | $ 70,000 |
| Davenport-Moline-Rock Island, IA-IL | 17 | $ 2,755,000 | $ 162,058 | $ 63,235 |
| Salisbury, MD | 17 | $ 3,129,000 | $ 184,058 | $ 76,000 |
| Sheboygan, WI | 17 | $ 2,807,000 | $ 165,117 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 16 | $ 2,589,000 | $ 161,812 | $ 88,000 |
| Gainesville, GA | 16 | $ 3,104,000 | $ 194,000 | $ 104,000 |
| Kalamazoo-Portage, MI | 16 | $ 2,935,000 | $ 183,437 | $ 84,000 |
| Lansing-East Lansing, MI | 16 | $ 2,931,000 | $ 183,187 | $ 97,000 |
| Manhattan, KS | 16 | $ 2,726,000 | $ 170,375 | $ 68,000 |
| Ann Arbor, MI | 15 | $ 2,925,000 | $ 195,000 | $ 82,000 |
| Athens-Clarke County, GA | 15 | $ 2,381,000 | $ 158,733 | $ 162,000 |
| Bellingham, WA | 15 | $ 3,673,000 | $ 244,866 | $ 92,000 |
| Bloomington-Normal, IL | 15 | $ 2,265,000 | $ 151,000 | $ 78,000 |
| Cape Girardeau-Jackson, MO-IL | 15 | $ 2,310,000 | $ 154,000 | $ 94,000 |
| Eau Claire, WI | 15 | $ 2,562,000 | $ 170,800 | $ 66,000 |
| Lafayette, LA | 15 | $ 2,849,000 | $ 189,933 | $ 97,000 |
| Lewiston-Auburn, ME | 15 | $ 2,531,000 | $ 168,733 | $ 74,000 |
| Mount Vernon-Anacortes, WA | 15 | $ 3,555,000 | $ 237,000 | $ 87,000 |
| Bangor, ME | 14 | $ 2,577,000 | $ 184,071 | $ 59,000 |
| Binghamton, NY | 14 | $ 1,813,000 | $ 129,500 | $ 64,000 |
| Bowling Green, KY | 14 | $ 2,156,000 | $ 154,000 | $ 56,000 |
| Casper, WY | 14 | $ 3,379,000 | $ 241,357 | $ 221,000 |
| College Station-Bryan, TX | 14 | $ 2,739,000 | $ 195,642 | $ 80,000 |
| Decatur, AL | 14 | $ 2,340,000 | $ 167,142 | $ 66,000 |
| Houma-Bayou Cane-Thibodaux, LA | 14 | $ 2,266,000 | $ 161,857 | $ 88,000 |
| Lake Charles, LA | 14 | $ 2,236,000 | $ 159,714 | $ 60,000 |
| Lakeland-Winter Haven, FL | 14 | $ 2,013,000 | $ 143,785 | $ 68,000 |
| Monroe, MI | 14 | $ 2,799,000 | $ 199,928 | $ 73,000 |
| North Port-Bradenton-Sarasota, FL | 14 | $ 2,829,000 | $ 202,071 | $ 99,000 |
| Oshkosh-Neenah, WI | 14 | $ 2,318,000 | $ 165,571 | $ 157,000 |
| Rochester, MN | 14 | $ 2,159,000 | $ 154,214 | $ 83,000 |
| South Bend-Mishawaka, IN-MI | 14 | $ 2,371,000 | $ 169,357 | $ 95,714 |
| Tyler, TX | 14 | $ 2,333,000 | $ 166,642 | $ 67,000 |
| Yakima, WA | 14 | $ 2,531,000 | $ 180,785 | $ 76,000 |
| Barnstable Town, MA | 13 | $ 2,695,000 | $ 207,307 | $ 94,000 |
| Brunswick, GA | 13 | $ 2,272,000 | $ 174,769 | $ 93,000 |
| Burlington, NC | 13 | $ 1,849,000 | $ 142,230 | $ 91,000 |
| Harrisonburg, VA | 13 | $ 2,984,000 | $ 229,538 | $ 74,000 |
| Johnson City, TN | 13 | $ 1,972,000 | $ 151,692 | $ 56,000 |
| Jonesboro, AR | 13 | $ 2,022,000 | $ 155,538 | $ 77,000 |
| Longview, WA | 13 | $ 2,076,000 | $ 159,692 | $ 65,000 |
| Peoria, IL | 13 | $ 2,023,000 | $ 155,615 | $ 84,000 |
| Valdosta, GA | 13 | $ 1,961,000 | $ 150,846 | $ 79,000 |
| Warner Robins, GA | 13 | $ 1,993,000 | $ 153,307 | $ 92,000 |
| Anderson, IN | 12 | $ 1,821,000 | $ 151,750 | $ 82,000 |
| Champaign-Urbana, IL | 12 | $ 1,984,000 | $ 165,333 | $ 65,000 |
| Flagstaff, AZ | 12 | $ 2,703,000 | $ 225,250 | $ 85,000 |
| Flint, MI | 12 | $ 1,803,000 | $ 150,250 | $ 75,000 |
| Greenville, NC | 12 | $ 1,720,000 | $ 143,333 | $ 137,000 |
| Joplin, MO | 12 | $ 1,926,000 | $ 160,500 | $ 85,000 |
| Lawrence, KS | 12 | $ 2,226,000 | $ 185,500 | $ 92,000 |
| Racine, WI | 12 | $ 2,087,000 | $ 173,916 | $ 96,000 |
| Salem, OR | 12 | $ 2,611,000 | $ 217,583 | $ 81,000 |
| Texarkana, Tx-Texarkana, AR | 12 | $ 1,511,000 | $ 125,916 | $ 74,833 |
| Utica-Rome, NY | 12 | $ 1,915,000 | $ 159,583 | $ 76,000 |
| Vineland-Millville-Bridgeton, NJ | 12 | $ 2,176,000 | $ 181,333 | $ 70,000 |
| Brownsville-Harlingen, TX | 11 | $ 1,806,000 | $ 164,181 | $ 98,000 |
| Glens Falls, NY | 11 | $ 1,888,000 | $ 171,636 | $ 63,000 |
| Hanford-Corcoran, CA | 11 | $ 2,323,000 | $ 211,181 | $ 139,000 |
| Huntington-Ashland, WV-KY-OH | 11 | $ 2,061,000 | $ 187,363 | $ 100,000 |
| Janesville, WI | 11 | $ 1,936,000 | $ 176,000 | $ 76,000 |
| La Crosse, WI-MN | 11 | $ 1,777,000 | $ 161,545 | $ 93,000 |
| St. Cloud, MN | 11 | $ 1,911,000 | $ 173,727 | $ 65,000 |
| Tallahassee, FL | 11 | $ 1,595,000 | $ 145,000 | $ 71,000 |
| Terre Haute, IN | 11 | $ 1,810,000 | $ 164,545 | $ 92,000 |
| Waterloo-Cedar Falls, IA | 11 | $ 1,751,000 | $ 159,181 | $ 68,000 |
| Winchester, VA-WV | 11 | $ 2,389,000 | $ 217,181 | $ 79,000 |
| Cleveland, TN | 10 | $ 1,959,000 | $ 195,900 | $ 69,000 |
| Columbus, GA-AL | 10 | $ 1,780,000 | $ 178,000 | $ 85,600 |
| Crestview-Fort Walton Beach-Destin, FL | 10 | $ 1,672,000 | $ 167,200 | $ 59,000 |
| Cumberland, MD-WV | 10 | $ 1,232,000 | $ 123,200 | $ 64,000 |
| Iowa City, IA | 10 | $ 1,936,000 | $ 193,600 | $ 73,000 |
| Lebanon, PA | 10 | $ 1,512,000 | $ 151,200 | $ 68,000 |
| Pascagoula, MS | 10 | $ 1,645,000 | $ 164,500 | $ 76,000 |
| Tuscaloosa, AL | 10 | $ 1,875,000 | $ 187,500 | $ 223,000 |
| Waco, TX | 10 | $ 1,353,000 | $ 135,300 | $ 81,000 |
| Wausau, WI | 10 | $ 1,371,000 | $ 137,100 | $ 73,000 |
| Yuma, AZ | 10 | $ 1,882,000 | $ 188,200 | $ 67,000 |
| Alexandria, LA | 9 | $ 1,406,000 | $ 156,222 | $ 136,000 |
| Dothan, AL | 9 | $ 1,988,000 | $ 220,888 | $ 72,000 |
| Erie, PA | 9 | $ 1,637,000 | $ 181,888 | $ 67,000 |
| Laredo, TX | 9 | $ 1,463,000 | $ 162,555 | $ 91,000 |
| Morristown, TN | 9 | $ 1,438,000 | $ 159,777 | $ 76,000 |
| Muncie, IN | 9 | $ 1,175,000 | $ 130,555 | $ 68,000 |
| Naples-Marco Island, FL | 9 | $ 2,385,000 | $ 265,000 | $ 145,000 |
| Niles-Benton Harbor, MI | 9 | $ 1,518,000 | $ 168,666 | $ 78,000 |
| Owensboro, KY | 9 | $ 1,687,000 | $ 187,444 | $ 85,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 1,383,000 | $ 153,666 | $ 73,000 |
| Pittsfield, MA | 9 | $ 1,602,000 | $ 178,000 | $ 57,000 |
| Sherman-Denison, TX | 9 | $ 1,379,000 | $ 153,222 | $ 104,000 |
| State College, PA | 9 | $ 1,495,000 | $ 166,111 | $ 128,000 |
| Wenatchee-East Wenatchee, WA | 9 | $ 1,770,000 | $ 196,666 | $ 82,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 1,069,000 | $ 133,625 | $ 61,000 |
| Dalton, GA | 8 | $ 1,526,000 | $ 190,750 | $ 416,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,246,000 | $ 155,750 | $ 78,000 |
| El Centro, CA | 8 | $ 1,734,000 | $ 216,750 | $ 153,000 |
| Gadsden, AL | 8 | $ 1,476,000 | $ 184,500 | $ 73,000 |
| Goldsboro, NC | 8 | $ 1,149,000 | $ 143,625 | $ 76,000 |
| Johnstown, PA | 8 | $ 1,136,000 | $ 142,000 | $ 97,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,190,000 | $ 148,750 | $ 77,000 |
| Rocky Mount, NC | 8 | $ 1,408,000 | $ 176,000 | $ 90,000 |
| Williamsport, PA | 8 | $ 1,403,000 | $ 175,375 | $ 77,000 |
| Ames, IA | 7 | $ 1,316,000 | $ 188,000 | $ 61,000 |
| Battle Creek, MI | 7 | $ 1,037,000 | $ 148,142 | $ 194,000 |
| Danville, VA | 7 | $ 1,025,000 | $ 146,428 | $ 47,000 |
| Eugene-Springfield, OR | 7 | $ 1,563,000 | $ 223,285 | $ 106,000 |
| Fond Du Lac, WI | 7 | $ 930,000 | $ 132,857 | $ 60,000 |
| Hot Springs, AR | 7 | $ 1,211,000 | $ 173,000 | $ 71,000 |
| Ithaca, NY | 7 | $ 1,450,000 | $ 207,142 | $ 95,000 |
| Jackson, MI | 7 | $ 1,304,000 | $ 186,285 | $ 70,000 |
| Jefferson City, MO | 7 | $ 1,286,000 | $ 183,714 | $ 92,000 |
| Longview, TX | 7 | $ 1,266,000 | $ 180,857 | $ 84,000 |
| Lubbock, TX | 7 | $ 1,231,000 | $ 175,857 | $ 87,000 |
| Midland, TX | 7 | $ 1,169,000 | $ 167,000 | $ 94,000 |
| Monroe, LA | 7 | $ 1,112,000 | $ 158,857 | $ 128,000 |
| Port St. Lucie, FL | 7 | $ 1,444,000 | $ 206,285 | $ 70,000 |
| Spartanburg, SC | 7 | $ 1,045,000 | $ 149,285 | $ 54,000 |
| Abilene, TX | 6 | $ 963,000 | $ 160,500 | $ 123,000 |
| Anniston-Oxford, AL | 6 | $ 846,000 | $ 141,000 | $ 55,000 |
| Columbia, MO | 6 | $ 1,122,000 | $ 187,000 | $ 94,000 |
| Florence, SC | 6 | $ 1,143,000 | $ 190,500 | $ 94,000 |
| Kankakee-Bradley, IL | 6 | $ 841,000 | $ 140,166 | $ 73,000 |
| Kokomo, IN | 6 | $ 727,000 | $ 121,166 | $ 56,000 |
| Ocala, FL | 6 | $ 760,000 | $ 126,666 | $ 61,000 |
| Odessa, TX | 6 | $ 850,000 | $ 141,666 | $ 157,000 |
| Rome, GA | 6 | $ 1,084,000 | $ 180,666 | $ 67,000 |
| Albany, GA | 5 | $ 810,000 | $ 162,000 | $ 108,000 |
| Altoona, PA | 5 | $ 596,000 | $ 119,200 | $ 68,000 |
| Dubuque, IA | 5 | $ 930,000 | $ 186,000 | $ 105,000 |
| Florence-Muscle Shoals, AL | 5 | $ 1,065,000 | $ 213,000 | $ 68,000 |
| Holland-Grand Haven, MI | 5 | $ 892,000 | $ 178,400 | $ 93,000 |
| Medford, OR | 5 | $ 1,061,000 | $ 212,200 | $ 72,000 |
| Merced, CA | 5 | $ 1,160,000 | $ 232,000 | $ 118,000 |
| Michigan City-La Porte, IN | 5 | $ 731,000 | $ 146,200 | $ 118,000 |
| Missoula, MT | 5 | $ 975,000 | $ 195,000 | $ 63,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 5 | $ 608,000 | $ 121,600 | $ 71,000 |
| Pine Bluff, AR | 5 | $ 988,000 | $ 197,600 | $ 125,000 |
| Springfield, IL | 5 | $ 811,000 | $ 162,200 | $ 58,000 |
| Yuba City, CA | 5 | $ 1,078,000 | $ 215,600 | $ 132,000 |
| Anderson, SC | 4 | $ 810,000 | $ 202,500 | $ 92,000 |
| Gainesville, FL | 4 | $ 775,000 | $ 193,750 | $ 175,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 683,000 | $ 170,750 | $ 62,000 |
| Mankato-North Mankato, MN | 4 | $ 517,000 | $ 129,250 | $ 44,000 |
| San Angelo, TX | 4 | $ 741,000 | $ 185,250 | $ 94,000 |
| Sioux City, IA-NE-SD | 4 | $ 422,000 | $ 105,500 | $ 50,000 |
| St. Joseph, MO-KS | 4 | $ 582,000 | $ 145,500 | $ 129,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 490,000 | $ 122,500 | $ 62,000 |
| Bend, OR | 3 | $ 568,000 | $ 189,333 | $ 60,000 |
| Columbus, IN | 3 | $ 347,000 | $ 115,666 | $ 42,000 |
| Decatur, IL | 3 | $ 383,000 | $ 127,666 | $ 82,000 |
| Hattiesburg, MS | 3 | $ 622,000 | $ 207,333 | $ 103,000 |
| Jackson, TN | 3 | $ 581,000 | $ 193,666 | $ 59,000 |
| Muskegon-Norton Shores, MI | 3 | $ 411,000 | $ 137,000 | $ 84,000 |
| Punta Gorda, FL | 3 | $ 466,000 | $ 155,333 | $ 94,000 |
| Saginaw-Saginaw Township North, MI | 3 | $ 555,000 | $ 185,000 | $ 83,000 |
| Victoria, TX | 3 | $ 425,000 | $ 141,666 | $ 94,000 |
| Wichita Falls, TX | 3 | $ 392,000 | $ 130,666 | $ 60,000 |
| Bay City, MI | 2 | $ 262,000 | $ 131,000 | $ 87,000 |
| Danville, IL | 2 | $ 332,000 | $ 166,000 | $ 62,000 |
| Elmira, NY | 2 | $ 284,000 | $ 142,000 | $ 58,000 |
| Fargo, ND-MN | 2 | $ 265,000 | $ 132,500 | $ 36,000 |
| Great Falls, MT | 2 | $ 405,000 | $ 202,500 | $ 960,000 |
| Palm Coast, FL | 2 | $ 325,000 | $ 162,500 | $ 120,000 |
| Sebastian-Vero Beach, FL | 2 | $ 244,000 | $ 122,000 | $ 32,000 |
| Sumter, SC | 2 | $ 267,000 | $ 133,500 | $ 98,000 |
| Billings, MT | 1 | $ 172,000 | $ 172,000 | $ 72,000 |
| Corvallis, OR | 1 | $ 185,000 | $ 185,000 | $ 35,000 |
| Grand Forks, ND-MN | 1 | $ 340,000 | $ 340,000 | $ 90,000 |
| Las Vegas-Paradise, NV | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Lawton, OK | 1 | $ 135,000 | $ 135,000 | $ 348,000 |
| Lewiston, ID-WA | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for First Residential Mortgage in 2011
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 | 19,641 | $4,389,543,000 | $223,000 | $776,000 | $97,000 | $1,992,000 |
| Home Improvement | 557 | $115,746,000 | $207,000 | $650,000 | $101,000 | $1,800,000 |
| Home Purchase | 206 | $39,044,000 | $189,000 | $563,000 | $92,000 | $1,200,000 |
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 | 13,673 | $3,027,568,000 | $221,000 | $776,000 | $96,000 | $1,980,000 |
| Not Provided | 5,810 | $1,309,133,000 | $225,000 | $737,000 | $99,000 | $1,992,000 |
| Hispanic | 371 | $86,303,000 | $232,000 | $729,000 | $94,000 | $1,260,000 |
| Black or African American | 287 | $56,622,000 | $197,000 | $625,000 | $84,000 | $600,000 |
| Asian | 220 | $53,699,000 | $244,000 | $727,000 | $110,000 | $1,946,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $6,972,000 | $303,000 | $737,000 | $120,000 | $600,000 |
| American Indian or Alaskan Native | 20 | $4,036,000 | $201,000 | $413,000 | $108,000 | $600,000 |
| 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) | 16,282 | $3,573,656,000 | $219,000 | $776,000 | $99,000 | $1,992,000 |
| FHA-insured (Federal Housing Administration) | 4,122 | $970,677,000 | $235,000 | $765,000 | $90,000 | $1,980,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 11,210 | $2,436,944,000 | $217,000 | $765,000 | $96,000 | $1,980,000 |
| File Closed For Incompleteness | 8,162 | $1,885,306,000 | $230,000 | $776,000 | $98,000 | $1,992,000 |
| Loan Originated | 969 | $208,139,000 | $214,000 | $737,000 | $100,000 | $727,000 |
| Application Withdrawn By Applicant | 63 | $13,944,000 | $221,000 | $678,000 | $119,000 | $352,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Residential Mortgage's 2011 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 Residential Mortgage'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 Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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