First Street Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First Street Financial, Inc. 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Street Financial, Inc. 310 Commerce, Suite 150 Irvine, CA 92602 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,228 |
| Total Mortgage Loan Application Amount | $480,796,000 |
| Average Mortgage Loan Application Amount | $153,523 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $73,380 |
| Highest Applicant Income | $1,372,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with First Street Financial, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Street Financial, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down First Street Financial, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Street Financial, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by First Street Financial, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Street Financial, Inc.'s mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 450 | $ 103,859,000 | $ 230,000 | $ 102,000 |
| Riverside County California | 350 | $ 75,088,000 | $ 214,000 | $ 87,000 |
| Orange County California | 292 | $ 73,928,000 | $ 253,000 | $ 119,000 |
| San Bernardino County California | 265 | $ 49,458,000 | $ 186,000 | $ 86,000 |
| San Diego County California | 241 | $ 64,201,000 | $ 266,000 | $ 110,000 |
| Clark County Nevada | 54 | $ 10,945,000 | $ 202,000 | $ 82,000 |
| Stanislaus County California | 46 | $ 7,156,000 | $ 155,000 | $ 72,000 |
| Maricopa County Arizona | 35 | $ 6,110,000 | $ 174,000 | $ 93,000 |
| Alameda County California | 33 | $ 8,291,000 | $ 251,000 | $ 85,000 |
| Kern County California | 33 | $ 4,467,000 | $ 135,000 | $ 64,000 |
| San Joaquin County California | 31 | $ 6,439,000 | $ 207,000 | $ 75,000 |
| Sacramento County California | 30 | $ 5,027,000 | $ 167,000 | $ 122,000 |
| Fresno County California | 15 | $ 2,070,000 | $ 138,000 | $ 65,000 |
| Merced County California | 15 | $ 2,866,000 | $ 191,000 | $ 87,000 |
| Tulare County California | 15 | $ 1,661,000 | $ 110,000 | $ 42,000 |
| Contra Costa County California | 14 | $ 3,312,000 | $ 236,000 | $ 92,000 |
| Santa Clara County California | 14 | $ 3,673,000 | $ 262,000 | $ 95,000 |
| Imperial County California | 12 | $ 1,476,000 | $ 123,000 | $ 63,000 |
| Jefferson County Colorado | 11 | $ 1,691,000 | $ 153,000 | $ 80,000 |
| King County Washington | 11 | $ 2,240,000 | $ 203,000 | $ 103,000 |
| St. Louis County Missouri | 10 | $ 1,109,000 | $ 110,000 | $ 68,000 |
| Butte County California | 8 | $ 1,080,000 | $ 135,000 | $ 96,000 |
| Shasta County California | 8 | $ 1,439,000 | $ 179,000 | $ 65,000 |
| Solano County California | 8 | $ 2,053,000 | $ 256,000 | $ 85,000 |
| Denver County Colorado | 8 | $ 1,118,000 | $ 139,000 | $ 60,000 |
| Washoe County Nevada | 8 | $ 1,525,000 | $ 190,000 | $ 76,000 |
| Marin County California | 7 | $ 2,278,000 | $ 325,000 | $ 144,000 |
| Monterey County California | 7 | $ 2,293,000 | $ 327,000 | $ 124,000 |
| Placer County California | 7 | $ 1,889,000 | $ 269,000 | $ 105,000 |
| Ventura County California | 7 | $ 1,778,000 | $ 254,000 | $ 124,000 |
| Arapahoe County Colorado | 7 | $ 1,716,000 | $ 245,000 | $ 149,000 |
| San Mateo County California | 6 | $ 2,183,000 | $ 363,000 | $ 103,000 |
| St. Louis City County Missouri | 6 | $ 653,000 | $ 108,000 | $ 94,000 |
| Pima County Arizona | 5 | $ 359,000 | $ 71,000 | $ 32,000 |
| El Dorado County California | 5 | $ 1,781,000 | $ 356,000 | $ 214,000 |
| Adams County Colorado | 5 | $ 923,000 | $ 184,000 | $ 80,000 |
| Clackamas County Oregon | 5 | $ 688,000 | $ 137,000 | $ 138,000 |
| Marion County Oregon | 5 | $ 440,000 | $ 88,000 | $ 52,000 |
| Weber County Utah | 5 | $ 352,000 | $ 70,000 | $ 33,000 |
| Madera County California | 4 | $ 950,000 | $ 237,000 | $ 115,000 |
| San Francisco County California | 4 | $ 1,354,000 | $ 338,000 | $ 131,000 |
| San Luis Obispo County California | 4 | $ 988,000 | $ 247,000 | $ 188,000 |
| Santa Cruz County California | 4 | $ 1,146,000 | $ 286,000 | $ 211,000 |
| Yolo County California | 4 | $ 788,000 | $ 197,000 | $ 103,000 |
| Platte County Missouri | 4 | $ 488,000 | $ 122,000 | $ 70,000 |
| Mohave County Arizona | 3 | $ 448,000 | $ 149,000 | $ 89,000 |
| Kings County California | 3 | $ 281,000 | $ 93,000 | $ 80,000 |
| San Benito County California | 3 | $ 856,000 | $ 285,000 | $ 128,000 |
| El Paso County Colorado | 3 | $ 357,000 | $ 119,000 | $ 65,000 |
| Honolulu County Hawaii | 3 | $ 833,000 | $ 277,000 | $ 97,000 |
| St. Francois County Missouri | 3 | $ 254,000 | $ 84,000 | $ 32,000 |
| Multnomah County Oregon | 3 | $ 267,000 | $ 89,000 | $ 56,000 |
| Salt Lake County Utah | 3 | $ 258,000 | $ 86,000 | $ 34,000 |
| Utah County Utah | 3 | $ 181,000 | $ 60,000 | $ 69,000 |
| Clark County Washington | 3 | $ 471,000 | $ 157,000 | $ 69,000 |
| Cochise County Arizona | 2 | $ 143,000 | $ 71,000 | $ 82,000 |
| Calaveras County California | 2 | $ 389,000 | $ 194,000 | $ 37,000 |
| Humboldt County California | 2 | $ 491,000 | $ 245,000 | $ 60,000 |
| Lake County California | 2 | $ 228,000 | $ 114,000 | $ 64,000 |
| Napa County California | 2 | $ 143,000 | $ 71,000 | $ 83,000 |
| Nevada County California | 2 | $ 152,000 | $ 76,000 | $ 148,000 |
| Santa Barbara County California | 2 | $ 564,000 | $ 282,000 | $ 87,000 |
| Sonoma County California | 2 | $ 935,000 | $ 467,000 | $ 97,000 |
| Tehama County California | 2 | $ 207,000 | $ 103,000 | $ 35,000 |
| Yuba County California | 2 | $ 420,000 | $ 210,000 | $ 51,000 |
| Larimer County Colorado | 2 | $ 254,000 | $ 127,000 | $ 54,000 |
| Weld County Colorado | 2 | $ 210,000 | $ 105,000 | $ 38,000 |
| Maui County Hawaii | 2 | $ 870,000 | $ 435,000 | $ 87,000 |
| Clay County Missouri | 2 | $ 109,000 | $ 54,000 | $ 36,000 |
| Howell County Missouri | 2 | $ 160,000 | $ 80,000 | $ 34,000 |
| Newton County Missouri | 2 | $ 155,000 | $ 77,000 | $ 80,000 |
| St. Charles County Missouri | 2 | $ 367,000 | $ 183,000 | $ 66,000 |
| Lyon County Nevada | 2 | $ 130,000 | $ 65,000 | $ 60,000 |
| Lane County Oregon | 2 | $ 262,000 | $ 131,000 | $ 47,000 |
| Linn County Oregon | 2 | $ 179,000 | $ 89,000 | $ 57,000 |
| Pierce County Washington | 2 | $ 171,000 | $ 85,000 | $ 46,000 |
| Snohomish County Washington | 2 | $ 155,000 | $ 77,000 | $ 34,000 |
| Pinal County Arizona | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| Del Norte County California | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Lassen County California | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
| Mono County California | 1 | $ 204,000 | $ 204,000 | $ 105,000 |
| Sierra County California | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| Siskiyou County California | 1 | $ 350,000 | $ 350,000 | $ 62,000 |
| Clear Creek County Colorado | 1 | $ 188,000 | $ 188,000 | $ 70,000 |
| Garfield County Colorado | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| La Plata County Colorado | 1 | $ 300,000 | $ 300,000 | $ 135,000 |
| Logan County Colorado | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| Mesa County Colorado | 1 | $ 143,000 | $ 143,000 | $ 42,000 |
| Montrose County Colorado | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Pueblo County Colorado | 1 | $ 73,000 | $ 73,000 | $ 120,000 |
| New Haven County Connecticut | 1 | $ 47,000 | $ 47,000 | $ 72,000 |
| Hawaii County Hawaii | 1 | $ 250,000 | $ 250,000 | $ 81,000 |
| Genesee County Michigan | 1 | $ 52,000 | $ 52,000 | $ 54,000 |
| Washtenaw County Michigan | 1 | $ 136,000 | $ 136,000 | $ 40,000 |
| Boone County Missouri | 1 | $ 90,000 | $ 90,000 | $ 53,000 |
| Callaway County Missouri | 1 | $ 54,000 | $ 54,000 | $ 27,000 |
| Cape Girardeau County Missouri | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| Franklin County Missouri | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Jackson County Missouri | 1 | $ 89,000 | $ 89,000 | $ 32,000 |
| Jefferson County Missouri | 1 | $ 106,000 | $ 106,000 | $ 40,000 |
| Wright County Missouri | 1 | $ 40,000 | $ 40,000 | $ 25,000 |
| Blaine County Montana | 1 | $ 71,000 | $ 71,000 | $ 50,000 |
| Gallatin County Montana | 1 | $ 111,000 | $ 111,000 | $ 57,000 |
| Park County Montana | 1 | $ 104,000 | $ 104,000 | $ 132,000 |
| Ravalli County Montana | 1 | $ 120,000 | $ 120,000 | $ 71,000 |
| Douglas County Nevada | 1 | $ 140,000 | $ 140,000 | $ 31,000 |
| Storey County Nevada | 1 | $ 126,000 | $ 126,000 | $ 46,000 |
| Coos County Oregon | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Lake County Oregon | 1 | $ 71,000 | $ 71,000 | $ 21,000 |
| Washington County Oregon | 1 | $ 166,000 | $ 166,000 | $ 56,000 |
| Davis County Utah | 1 | $ 74,000 | $ 74,000 | $ 28,000 |
| Wasatch County Utah | 1 | $ 100,000 | $ 100,000 | $ 126,000 |
| Stevens County Washington | 1 | $ 124,000 | $ 124,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for First Street Financial, Inc. in 2004
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 | 1,297 | $295,021,000 | $155,333 | $714,000 | $76,333 | $780,000 |
| Home Purchase | 931 | $185,775,000 | $151,111 | $750,000 | $69,444 | $1,372,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 756 | $154,620,000 | $132,333 | $623,000 | $75,666 | $1,372,000 |
| White | 628 | $135,112,000 | $143,444 | $714,000 | $71,333 | $780,000 |
| Not Provided | 558 | $121,371,000 | $162,636 | $750,000 | $69,545 | $566,000 |
| Asian | 129 | $36,052,000 | $236,833 | $600,000 | $162,666 | $516,000 |
| Black or African American | 129 | $27,031,000 | $141,000 | $500,000 | $72,888 | $303,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $4,166,000 | $236,500 | $415,000 | $72,500 | $101,000 |
| American Indian or Alaskan Native | 10 | $2,444,000 | $244,000 | $504,000 | $150,000 | $276,000 |
| 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) | 2,228 | $480,796,000 | $146,333 | $750,000 | $73,416 | $1,372,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 979 | $209,977,000 | $149,000 | $714,000 | $76,500 | $629,000 |
| Application Approved But Not Accepted | 730 | $163,656,000 | $159,818 | $750,000 | $68,090 | $1,372,000 |
| Application Denied By Financial Institution | 378 | $74,208,000 | $151,500 | $650,000 | $89,300 | $661,000 |
| File Closed For Incompleteness | 99 | $24,838,000 | $249,500 | $630,000 | $108,333 | $566,000 |
| Application Withdrawn By Applicant | 42 | $8,117,000 | $151,000 | $495,000 | $75,333 | $729,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 134 | $25,581,000 | $134,428 | $650,000 | $66,428 | $444,000 |
| Credit History | 125 | $25,521,000 | $105,500 | $581,000 | $102,666 | $360,000 |
| Other | 37 | $7,931,000 | $84,500 | $623,000 | $104,250 | $661,000 |
| Unverifiable Information | 35 | $7,079,000 | $159,400 | $600,000 | $56,000 | $136,000 |
| Collateral | 28 | $4,686,000 | $177,000 | $450,000 | $69,500 | $240,000 |
| Employment History | 17 | $3,110,000 | $203,800 | $514,000 | $78,800 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $240,000 | $73,000 | $73,000 |
| 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 Street Financial, Inc.'s 2004 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 Street Financial, 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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