First Street Financial, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, First Street Financial, Inc. of Irvine, CA reported 5,926 mortgage applications totaling $1.4 billion, up 166% from 2004. The average application was for $233,450, and applicants reported an average income of $104,105. 37% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,355), Los Angeles-Long Beach-Glendale, CA (1,144) and San Diego-Carlsbad-San Marcos, CA (460) (applications in parentheses).
| 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 | 5,926 |
| Total Mortgage Loan Application Amount | $1,383,425,000 |
| Average Mortgage Loan Application Amount | $233,450 |
| Highest Mortgage Loan Application Amount | $1,110,000 |
| Average Applicant Income | $104,105 |
| Highest Applicant Income | $852,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Street Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 1,144 | $ 310,656,000 | $ 271,552 | $ 116,000 |
| San Bernardino, California | 697 | $ 146,863,000 | $ 210,707 | $ 88,000 |
| Riverside, California | 658 | $ 160,319,000 | $ 243,645 | $ 114,000 |
| San Diego, California | 460 | $ 127,775,000 | $ 277,771 | $ 121,000 |
| Orange, California | 416 | $ 125,916,000 | $ 302,682 | $ 132,000 |
| Maricopa, Arizona | 228 | $ 39,774,000 | $ 174,447 | $ 81,000 |
| Contra Costa, California | 105 | $ 33,496,000 | $ 319,009 | $ 131,000 |
| Clark, Nevada | 104 | $ 21,171,000 | $ 203,567 | $ 85,000 |
| Alameda, California | 87 | $ 27,856,000 | $ 320,183 | $ 134,000 |
| Solano, California | 86 | $ 25,783,000 | $ 299,802 | $ 111,000 |
| Kern, California | 84 | $ 13,144,000 | $ 156,476 | $ 77,000 |
| Jackson, Missouri | 78 | $ 6,409,000 | $ 82,166 | $ 68,000 |
| Sacramento, California | 75 | $ 17,199,000 | $ 229,320 | $ 127,000 |
| San Joaquin, California | 75 | $ 19,164,000 | $ 255,520 | $ 119,000 |
| Stanislaus, California | 60 | $ 13,634,000 | $ 227,233 | $ 94,000 |
| Santa Clara, California | 45 | $ 14,645,000 | $ 325,444 | $ 152,000 |
| Fresno, California | 44 | $ 8,985,000 | $ 204,204 | $ 102,000 |
| Sonoma, California | 38 | $ 11,945,000 | $ 314,342 | $ 122,000 |
| Tulare, California | 33 | $ 5,682,000 | $ 172,181 | $ 83,000 |
| Palm Beach, Florida | 32 | $ 7,338,000 | $ 229,312 | $ 85,000 |
| Broward, Florida | 29 | $ 5,895,000 | $ 203,275 | $ 78,000 |
| Imperial, California | 28 | $ 4,438,000 | $ 158,500 | $ 61,000 |
| San Mateo, California | 27 | $ 9,765,000 | $ 361,666 | $ 146,000 |
| Ventura, California | 26 | $ 8,768,000 | $ 337,230 | $ 111,000 |
| Placer, California | 22 | $ 6,211,000 | $ 282,318 | $ 99,000 |
| Hillsborough, Florida | 22 | $ 3,093,000 | $ 140,590 | $ 65,000 |
| Pueblo, Colorado | 19 | $ 2,331,000 | $ 122,684 | $ 51,000 |
| Miami-Dade, Florida | 18 | $ 4,660,000 | $ 258,888 | $ 122,000 |
| Orange, Florida | 18 | $ 3,194,000 | $ 177,444 | $ 77,000 |
| Brevard, Florida | 17 | $ 2,438,000 | $ 143,411 | $ 107,000 |
| Oklahoma, Oklahoma | 17 | $ 1,390,000 | $ 81,764 | $ 86,000 |
| King, Washington | 17 | $ 3,794,000 | $ 223,176 | $ 90,000 |
| Snohomish, Washington | 17 | $ 3,545,000 | $ 208,529 | $ 67,000 |
| Honolulu, Hawaii | 16 | $ 4,313,000 | $ 269,562 | $ 88,000 |
| Clay, Missouri | 15 | $ 2,194,000 | $ 146,266 | $ 52,000 |
| Monterey, California | 14 | $ 4,659,000 | $ 332,785 | $ 96,000 |
| Jefferson, Colorado | 14 | $ 2,816,000 | $ 201,142 | $ 78,000 |
| Volusia, Florida | 14 | $ 2,419,000 | $ 172,785 | $ 67,000 |
| Multnomah, Oregon | 14 | $ 2,482,000 | $ 177,285 | $ 85,000 |
| Merced, California | 13 | $ 2,874,000 | $ 221,076 | $ 73,000 |
| Duval, Florida | 13 | $ 1,182,000 | $ 90,923 | $ 88,000 |
| Macomb, Michigan | 13 | $ 1,670,000 | $ 128,461 | $ 59,000 |
| Pinal, Arizona | 12 | $ 2,103,000 | $ 175,250 | $ 59,000 |
| Butte, California | 12 | $ 2,317,000 | $ 193,083 | $ 101,000 |
| Wayne, Michigan | 12 | $ 1,351,000 | $ 112,583 | $ 59,000 |
| El Paso, Colorado | 11 | $ 1,656,000 | $ 150,545 | $ 57,000 |
| Marion, Florida | 11 | $ 1,326,000 | $ 120,545 | $ 59,000 |
| St. Louis, Missouri | 11 | $ 1,705,000 | $ 155,000 | $ 76,000 |
| Pima, Arizona | 10 | $ 1,424,000 | $ 142,400 | $ 53,000 |
| San Francisco, California | 10 | $ 3,855,000 | $ 385,500 | $ 114,000 |
| Pasco, Florida | 10 | $ 1,199,000 | $ 119,900 | $ 58,000 |
| Bernalillo, New Mexico | 10 | $ 1,572,000 | $ 157,200 | $ 83,000 |
| San Benito, California | 9 | $ 3,344,000 | $ 371,555 | $ 106,000 |
| Yolo, California | 9 | $ 2,136,000 | $ 237,333 | $ 88,000 |
| Lee, Florida | 9 | $ 1,758,000 | $ 195,333 | $ 56,000 |
| Pinellas, Florida | 9 | $ 1,874,000 | $ 208,222 | $ 76,000 |
| Polk, Florida | 9 | $ 947,000 | $ 105,222 | $ 50,000 |
| Johnson, Kansas | 9 | $ 1,093,000 | $ 121,444 | $ 90,000 |
| Hennepin, Minnesota | 9 | $ 1,366,000 | $ 151,777 | $ 53,000 |
| Mohave, Arizona | 8 | $ 1,008,000 | $ 126,000 | $ 98,000 |
| Madera, California | 8 | $ 1,645,000 | $ 205,625 | $ 67,000 |
| Napa, California | 8 | $ 2,592,000 | $ 324,000 | $ 117,000 |
| Adams, Colorado | 8 | $ 1,300,000 | $ 162,500 | $ 58,000 |
| Arapahoe, Colorado | 8 | $ 1,033,000 | $ 129,125 | $ 83,000 |
| Douglas, Colorado | 8 | $ 1,864,000 | $ 233,000 | $ 107,000 |
| St. Johns, Florida | 8 | $ 1,314,000 | $ 164,250 | $ 80,000 |
| Sedgwick, Kansas | 8 | $ 488,000 | $ 61,000 | $ 44,000 |
| Saginaw, Michigan | 8 | $ 620,000 | $ 77,500 | $ 125,000 |
| Clark, Washington | 8 | $ 1,839,000 | $ 229,875 | $ 117,000 |
| Pierce, Washington | 8 | $ 1,355,000 | $ 169,375 | $ 73,000 |
| Milwaukee, Wisconsin | 8 | $ 1,230,000 | $ 153,750 | $ 70,000 |
| Yavapai, Arizona | 7 | $ 833,000 | $ 119,000 | $ 97,000 |
| Benton, Arkansas | 7 | $ 843,000 | $ 120,428 | $ 62,000 |
| Nevada, California | 7 | $ 1,198,000 | $ 171,142 | $ 99,000 |
| Denver, Colorado | 7 | $ 1,419,000 | $ 202,714 | $ 67,000 |
| Osceola, Florida | 7 | $ 932,000 | $ 133,142 | $ 83,000 |
| Sarasota, Florida | 7 | $ 1,377,000 | $ 196,714 | $ 63,000 |
| Seminole, Florida | 7 | $ 1,087,000 | $ 155,285 | $ 63,000 |
| Cowley, Kansas | 7 | $ 448,000 | $ 64,000 | $ 163,000 |
| Oakland, Michigan | 7 | $ 2,164,000 | $ 309,142 | $ 210,000 |
| Washoe, Nevada | 7 | $ 1,151,000 | $ 164,428 | $ 58,000 |
| Washington, Oregon | 7 | $ 1,267,000 | $ 181,000 | $ 78,000 |
| Richland, South Carolina | 7 | $ 1,139,000 | $ 162,714 | $ 179,000 |
| Salt Lake, Utah | 7 | $ 982,000 | $ 140,285 | $ 60,000 |
| Spokane, Washington | 7 | $ 687,000 | $ 98,142 | $ 43,000 |
| Whatcom, Washington | 7 | $ 937,000 | $ 133,857 | $ 49,000 |
| Campbell, Wyoming | 7 | $ 966,000 | $ 138,000 | $ 61,000 |
| Kings, California | 6 | $ 1,081,000 | $ 180,166 | $ 63,000 |
| San Luis Obispo, California | 6 | $ 1,929,000 | $ 321,500 | $ 118,000 |
| Shasta, California | 6 | $ 961,000 | $ 160,166 | $ 43,000 |
| Manatee, Florida | 6 | $ 1,027,000 | $ 171,166 | $ 61,000 |
| St. Lucie, Florida | 6 | $ 999,000 | $ 166,500 | $ 54,000 |
| Kent, Michigan | 6 | $ 534,000 | $ 89,000 | $ 75,000 |
| Pulaski, Arkansas | 5 | $ 238,000 | $ 47,600 | $ 102,000 |
| Santa Cruz, California | 5 | $ 2,252,000 | $ 450,400 | $ 116,000 |
| Collier, Florida | 5 | $ 1,546,000 | $ 309,200 | $ 81,000 |
| Escambia, Florida | 5 | $ 913,000 | $ 182,600 | $ 61,000 |
| Washington, Minnesota | 5 | $ 1,406,000 | $ 281,200 | $ 82,000 |
| Mecklenburg, North Carolina | 5 | $ 514,000 | $ 102,800 | $ 88,000 |
| Charleston, South Carolina | 5 | $ 569,000 | $ 113,800 | $ 77,000 |
| Benton, Washington | 5 | $ 754,000 | $ 150,800 | $ 90,000 |
| Calaveras, California | 4 | $ 936,000 | $ 234,000 | $ 129,000 |
| El Dorado, California | 4 | $ 1,752,000 | $ 438,000 | $ 110,000 |
| Lake, California | 4 | $ 857,000 | $ 214,250 | $ 67,000 |
| Larimer, Colorado | 4 | $ 913,000 | $ 228,250 | $ 115,000 |
| Douglas, Georgia | 4 | $ 805,000 | $ 201,250 | $ 66,000 |
| Scott, Iowa | 4 | $ 381,000 | $ 95,250 | $ 142,000 |
| Ottawa, Michigan | 4 | $ 320,000 | $ 80,000 | $ 55,000 |
| Ramsey, Minnesota | 4 | $ 584,000 | $ 146,000 | $ 65,000 |
| Buchanan, Missouri | 4 | $ 286,000 | $ 71,500 | $ 33,000 |
| Cass, Missouri | 4 | $ 518,000 | $ 129,500 | $ 65,000 |
| Clinton, Missouri | 4 | $ 708,000 | $ 177,000 | $ 180,000 |
| Franklin, Missouri | 4 | $ 617,000 | $ 154,250 | $ 42,000 |
| Platte, Missouri | 4 | $ 280,000 | $ 70,000 | $ 59,000 |
| St. Charles, Missouri | 4 | $ 585,000 | $ 146,250 | $ 59,000 |
| Sandoval, New Mexico | 4 | $ 725,000 | $ 181,250 | $ 58,000 |
| Burke, North Carolina | 4 | $ 312,000 | $ 78,000 | $ 53,000 |
| Douglas, Oregon | 4 | $ 227,000 | $ 56,750 | $ 50,000 |
| Horry, South Carolina | 4 | $ 326,000 | $ 81,500 | $ 136,000 |
| Shelby, Tennessee | 4 | $ 254,000 | $ 63,500 | $ 45,000 |
| Davis, Utah | 4 | $ 392,000 | $ 98,000 | $ 74,000 |
| Franklin, Washington | 4 | $ 424,000 | $ 106,000 | $ 54,000 |
| Thurston, Washington | 4 | $ 781,000 | $ 195,250 | $ 75,000 |
| Marathon, Wisconsin | 4 | $ 171,000 | $ 42,750 | $ 35,000 |
| Yuma, Arizona | 3 | $ 482,000 | $ 160,666 | $ 76,000 |
| Humboldt, California | 3 | $ 594,000 | $ 198,000 | $ 67,000 |
| Marin, California | 3 | $ 1,055,000 | $ 351,666 | $ 102,000 |
| Mendocino, California | 3 | $ 770,000 | $ 256,666 | $ 157,000 |
| Santa Barbara, California | 3 | $ 1,451,000 | $ 483,666 | $ 73,000 |
| Siskiyou, California | 3 | $ 285,000 | $ 95,000 | $ 50,000 |
| Boulder, Colorado | 3 | $ 743,000 | $ 247,666 | $ 143,000 |
| Broomfield, Colorado | 3 | $ 479,000 | $ 159,666 | $ 104,000 |
| Teller, Colorado | 3 | $ 538,000 | $ 179,333 | $ 207,000 |
| Columbia, Florida | 3 | $ 214,000 | $ 71,333 | $ 38,000 |
| Hernando, Florida | 3 | $ 438,000 | $ 146,000 | $ 51,000 |
| Lake, Florida | 3 | $ 424,000 | $ 141,333 | $ 45,000 |
| Wakulla, Florida | 3 | $ 374,000 | $ 124,666 | $ 62,000 |
| Cobb, Georgia | 3 | $ 507,000 | $ 169,000 | $ 83,000 |
| Coweta, Georgia | 3 | $ 255,000 | $ 85,000 | $ 54,000 |
| Muscogee, Georgia | 3 | $ 623,000 | $ 207,666 | $ 86,000 |
| Hawaii, Hawaii | 3 | $ 825,000 | $ 275,000 | $ 127,000 |
| Ada, Idaho | 3 | $ 630,000 | $ 210,000 | $ 58,000 |
| Linn, Iowa | 3 | $ 177,000 | $ 59,000 | $ 54,000 |
| Jefferson, Kentucky | 3 | $ 222,000 | $ 74,000 | $ 92,000 |
| Ingham, Michigan | 3 | $ 386,000 | $ 128,666 | $ 52,000 |
| Jackson, Michigan | 3 | $ 351,000 | $ 117,000 | $ 46,000 |
| Benton, Minnesota | 3 | $ 599,000 | $ 199,666 | $ 105,000 |
| St. Louis City, Missouri | 3 | $ 214,000 | $ 71,333 | $ 28,000 |
| Douglas, Nebraska | 3 | $ 306,000 | $ 102,000 | $ 33,000 |
| Santa Fe, New Mexico | 3 | $ 856,000 | $ 285,333 | $ 200,000 |
| Wake, North Carolina | 3 | $ 876,000 | $ 292,000 | $ 130,000 |
| Cleveland, Oklahoma | 3 | $ 406,000 | $ 135,333 | $ 53,000 |
| Pottawatomie, Oklahoma | 3 | $ 122,000 | $ 40,666 | $ 49,000 |
| Jackson, Oregon | 3 | $ 550,000 | $ 183,333 | $ 62,000 |
| Umatilla, Oregon | 3 | $ 409,000 | $ 136,333 | $ 86,000 |
| Georgetown, South Carolina | 3 | $ 742,000 | $ 247,333 | $ 176,000 |
| Lexington, South Carolina | 3 | $ 212,000 | $ 70,666 | $ 48,000 |
| Oconee, South Carolina | 3 | $ 442,000 | $ 147,333 | $ 72,000 |
| Cache, Utah | 3 | $ 404,000 | $ 134,666 | $ 43,000 |
| Henrico, Virginia | 3 | $ 467,000 | $ 155,666 | $ 77,000 |
| Prince William, Virginia | 3 | $ 1,092,000 | $ 364,000 | $ 72,000 |
| Virginia Beach, Virginia | 3 | $ 539,000 | $ 179,666 | $ 79,000 |
| Asotin, Washington | 3 | $ 187,000 | $ 62,333 | $ 38,000 |
| Cowlitz, Washington | 3 | $ 379,000 | $ 126,333 | $ 50,000 |
| Kitsap, Washington | 3 | $ 559,000 | $ 186,333 | $ 52,000 |
| Skagit, Washington | 3 | $ 568,000 | $ 189,333 | $ 115,000 |
| Fremont, Wyoming | 3 | $ 198,000 | $ 66,000 | $ 41,000 |
| Amador, California | 2 | $ 640,000 | $ 320,000 | $ 131,000 |
| Mariposa, California | 2 | $ 150,000 | $ 75,000 | $ 104,000 |
| Sutter, California | 2 | $ 339,000 | $ 169,500 | $ 150,000 |
| Morgan, Colorado | 2 | $ 463,000 | $ 231,500 | $ 64,000 |
| New London, Connecticut | 2 | $ 330,000 | $ 165,000 | $ 81,000 |
| Alachua, Florida | 2 | $ 118,000 | $ 59,000 | $ 59,000 |
| Charlotte, Florida | 2 | $ 406,000 | $ 203,000 | $ 51,000 |
| Citrus, Florida | 2 | $ 637,000 | $ 318,500 | $ 117,000 |
| Clay, Florida | 2 | $ 496,000 | $ 248,000 | $ 134,000 |
| Indian River, Florida | 2 | $ 388,000 | $ 194,000 | $ 82,000 |
| Leon, Florida | 2 | $ 286,000 | $ 143,000 | $ 82,000 |
| Monroe, Florida | 2 | $ 885,000 | $ 442,500 | $ 130,000 |
| Putnam, Florida | 2 | $ 362,000 | $ 181,000 | $ 65,000 |
| DeKalb, Georgia | 2 | $ 263,000 | $ 131,500 | $ 51,000 |
| Fulton, Georgia | 2 | $ 401,000 | $ 200,500 | $ 300,000 |
| Jackson, Georgia | 2 | $ 250,000 | $ 125,000 | $ 101,000 |
| Pike, Georgia | 2 | $ 96,000 | $ 48,000 | $ 34,000 |
| Maui, Hawaii | 2 | $ 549,000 | $ 274,500 | $ 56,000 |
| Dallas, Iowa | 2 | $ 195,000 | $ 97,500 | $ 84,000 |
| Polk, Iowa | 2 | $ 250,000 | $ 125,000 | $ 95,000 |
| Butler, Kansas | 2 | $ 108,000 | $ 54,000 | $ 27,000 |
| Leavenworth, Kansas | 2 | $ 320,000 | $ 160,000 | $ 66,000 |
| McPherson, Kansas | 2 | $ 160,000 | $ 80,000 | $ 43,000 |
| Shawnee, Kansas | 2 | $ 180,000 | $ 90,000 | $ 58,000 |
| Clark, Kentucky | 2 | $ 109,000 | $ 54,500 | $ 77,000 |
| Marshall, Kentucky | 2 | $ 248,000 | $ 124,000 | $ 36,000 |
| Montgomery, Kentucky | 2 | $ 127,000 | $ 63,500 | $ 29,000 |
| Berrien, Michigan | 2 | $ 175,000 | $ 87,500 | $ 34,000 |
| Genesee, Michigan | 2 | $ 860,000 | $ 430,000 | $ 102,000 |
| Livingston, Michigan | 2 | $ 560,000 | $ 280,000 | $ 71,000 |
| Oceana, Michigan | 2 | $ 126,000 | $ 63,000 | $ 34,000 |
| Shiawassee, Michigan | 2 | $ 135,000 | $ 67,500 | $ 72,000 |
| Carver, Minnesota | 2 | $ 360,000 | $ 180,000 | $ 51,000 |
| Chisago, Minnesota | 2 | $ 512,000 | $ 256,000 | $ 110,000 |
| Isanti, Minnesota | 2 | $ 477,000 | $ 238,500 | $ 69,000 |
| Stearns, Minnesota | 2 | $ 374,000 | $ 187,000 | $ 106,000 |
| Cape Girardeau, Missouri | 2 | $ 101,000 | $ 50,500 | $ 38,000 |
| Lawrence, Missouri | 2 | $ 148,000 | $ 74,000 | $ 49,000 |
| Livingston, Missouri | 2 | $ 101,000 | $ 50,500 | $ 49,000 |
| St. Francois, Missouri | 2 | $ 104,000 | $ 52,000 | $ 37,000 |
| Saline, Nebraska | 2 | $ 129,000 | $ 64,500 | $ 32,000 |
| Alamance, North Carolina | 2 | $ 210,000 | $ 105,000 | $ 263,000 |
| Chatham, North Carolina | 2 | $ 165,000 | $ 82,500 | $ 46,000 |
| Dare, North Carolina | 2 | $ 270,000 | $ 135,000 | $ 84,000 |
| Durham, North Carolina | 2 | $ 278,000 | $ 139,000 | $ 72,000 |
| Guilford, North Carolina | 2 | $ 106,000 | $ 53,000 | $ 30,000 |
| Iredell, North Carolina | 2 | $ 396,000 | $ 198,000 | $ 115,000 |
| Rockingham, North Carolina | 2 | $ 231,000 | $ 115,500 | $ 53,000 |
| Scotland, North Carolina | 2 | $ 128,000 | $ 64,000 | $ 46,000 |
| Union, North Carolina | 2 | $ 484,000 | $ 242,000 | $ 84,000 |
| Wilkes, North Carolina | 2 | $ 630,000 | $ 315,000 | $ 151,000 |
| Cass, North Dakota | 2 | $ 128,000 | $ 64,000 | $ 31,000 |
| Canadian, Oklahoma | 2 | $ 85,000 | $ 42,500 | $ 45,000 |
| Carter, Oklahoma | 2 | $ 85,000 | $ 42,500 | $ 32,000 |
| Le Flore, Oklahoma | 2 | $ 142,000 | $ 71,000 | $ 54,000 |
| McClain, Oklahoma | 2 | $ 109,000 | $ 54,500 | $ 79,000 |
| Wagoner, Oklahoma | 2 | $ 372,000 | $ 186,000 | $ 81,000 |
| Clackamas, Oregon | 2 | $ 424,000 | $ 212,000 | $ 69,000 |
| Coos, Oregon | 2 | $ 448,000 | $ 224,000 | $ 88,000 |
| Marion, Oregon | 2 | $ 315,000 | $ 157,500 | $ 43,000 |
| Berkeley, South Carolina | 2 | $ 204,000 | $ 102,000 | $ 47,000 |
| Cherokee, South Carolina | 2 | $ 117,000 | $ 58,500 | $ 27,000 |
| Dorchester, South Carolina | 2 | $ 212,000 | $ 106,000 | $ 32,000 |
| Weber, Utah | 2 | $ 292,000 | $ 146,000 | $ 52,000 |
| Chesterfield, Virginia | 2 | $ 384,000 | $ 192,000 | $ 87,000 |
| Hampton, Virginia | 2 | $ 136,000 | $ 68,000 | $ 32,000 |
| Spotsylvania, Virginia | 2 | $ 480,000 | $ 240,000 | $ 120,000 |
| Stevens, Washington | 2 | $ 236,000 | $ 118,000 | $ 34,000 |
| Forest, Wisconsin | 2 | $ 103,000 | $ 51,500 | $ 43,000 |
| Ozaukee, Wisconsin | 2 | $ 207,000 | $ 103,500 | $ 62,000 |
| Waukesha, Wisconsin | 2 | $ 608,000 | $ 304,000 | $ 146,000 |
| Natrona, Wyoming | 2 | $ 315,000 | $ 157,500 | $ 108,000 |
| Cochise, Arizona | 1 | $ 67,000 | $ 67,000 | $ 109,000 |
| Gila, Arizona | 1 | $ 88,000 | $ 88,000 | $ 100,000 |
| Navajo, Arizona | 1 | $ 223,000 | $ 223,000 | $ 63,000 |
| Santa Cruz, Arizona | 1 | $ 568,000 | $ 568,000 | $ 102,000 |
| Faulkner, Arkansas | 1 | $ 208,000 | $ 208,000 | $ 78,000 |
| Lassen, California | 1 | $ 53,000 | $ 53,000 | $ 80,000 |
| Tehama, California | 1 | $ 293,000 | $ 293,000 | $ 120,000 |
| Chaffee, Colorado | 1 | $ 204,000 | $ 204,000 | $ 89,000 |
| Fremont, Colorado | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Garfield, Colorado | 1 | $ 385,000 | $ 385,000 | $ 224,000 |
| La Plata, Colorado | 1 | $ 295,000 | $ 295,000 | $ 63,000 |
| Las Animas, Colorado | 1 | $ 103,000 | $ 103,000 | $ 33,000 |
| Park, Colorado | 1 | $ 151,000 | $ 151,000 | $ 44,000 |
| Rio Blanco, Colorado | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Routt, Colorado | 1 | $ 258,000 | $ 258,000 | $ 186,000 |
| Weld, Colorado | 1 | $ 167,000 | $ 167,000 | $ 60,000 |
| Fairfield, Connecticut | 1 | $ 503,000 | $ 503,000 | $ 96,000 |
| Hartford, Connecticut | 1 | $ 266,000 | $ 266,000 | $ 89,000 |
| New Haven, Connecticut | 1 | $ 324,000 | $ 324,000 | $ 80,000 |
| Bay, Florida | 1 | $ 331,000 | $ 331,000 | $ 106,000 |
| DeSoto, Florida | 1 | $ 250,000 | $ 250,000 | $ 74,000 |
| Flagler, Florida | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Highlands, Florida | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| Okaloosa, Florida | 1 | $ 109,000 | $ 109,000 | $ 70,000 |
| Okeechobee, Florida | 1 | $ 180,000 | $ 180,000 | $ 107,000 |
| Walton, Florida | 1 | $ 120,000 | $ 120,000 | $ 31,000 |
| Clayton, Georgia | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Lamar, Georgia | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Kauai, Hawaii | 1 | $ 377,000 | $ 377,000 | $ 98,000 |
| Franklin, Idaho | 1 | $ 139,000 | $ 139,000 | $ 66,000 |
| Gem, Idaho | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Gooding, Idaho | 1 | $ 94,000 | $ 94,000 | $ 59,000 |
| Cook, Illinois | 1 | $ 173,000 | $ 173,000 | $ 52,000 |
| DuPage, Illinois | 1 | $ 32,000 | $ 32,000 | $ 79,000 |
| Dubuque, Iowa | 1 | $ 103,000 | $ 103,000 | $ 31,000 |
| Henry, Iowa | 1 | $ 68,000 | $ 68,000 | $ 42,000 |
| Keokuk, Iowa | 1 | $ 40,000 | $ 40,000 | $ 34,000 |
| Wyandotte, Kansas | 1 | $ 61,000 | $ 61,000 | $ 126,000 |
| Breathitt, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 42,000 |
| Wolfe, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Frederick, Maryland | 1 | $ 161,000 | $ 161,000 | $ 52,000 |
| Montgomery, Maryland | 1 | $ 464,000 | $ 464,000 | $ 116,000 |
| Bay, Michigan | 1 | $ 117,000 | $ 117,000 | $ 91,000 |
| Calhoun, Michigan | 1 | $ 131,000 | $ 131,000 | $ 47,000 |
| Cass, Michigan | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Monroe, Michigan | 1 | $ 149,000 | $ 149,000 | $ 35,000 |
| Otsego, Michigan | 1 | $ 92,000 | $ 92,000 | $ 50,000 |
| Roscommon, Michigan | 1 | $ 179,000 | $ 179,000 | $ 45,000 |
| St. Clair, Michigan | 1 | $ 162,000 | $ 162,000 | $ 79,000 |
| Tuscola, Michigan | 1 | $ 176,000 | $ 176,000 | $ 75,000 |
| Washtenaw, Michigan | 1 | $ 138,000 | $ 138,000 | $ 84,000 |
| Goodhue, Minnesota | 1 | $ 192,000 | $ 192,000 | $ 56,000 |
| Martin, Minnesota | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Henry, Missouri | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Iron, Missouri | 1 | $ 54,000 | $ 54,000 | $ 58,000 |
| Jasper, Missouri | 1 | $ 93,000 | $ 93,000 | $ 30,000 |
| Lafayette, Missouri | 1 | $ 128,000 | $ 128,000 | $ 36,000 |
| Pettis, Missouri | 1 | $ 77,000 | $ 77,000 | $ 47,000 |
| Ray, Missouri | 1 | $ 126,000 | $ 126,000 | $ 35,000 |
| Cascade, Montana | 1 | $ 96,000 | $ 96,000 | $ 21,000 |
| Missoula, Montana | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Park, Montana | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
| Yellowstone, Montana | 1 | $ 103,000 | $ 103,000 | $ 38,000 |
| Dixon, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Lancaster, Nebraska | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Sarpy, Nebraska | 1 | $ 28,000 | $ 28,000 | $ 86,000 |
| Carson City, Nevada | 1 | $ 209,000 | $ 209,000 | $ 80,000 |
| Nye, Nevada | 1 | $ 331,000 | $ 331,000 | $ 91,000 |
| Chaves, New Mexico | 1 | $ 68,000 | $ 68,000 | $ 14,000 |
| Dona Ana, New Mexico | 1 | $ 117,000 | $ 117,000 | $ 39,000 |
| Lea, New Mexico | 1 | $ 53,000 | $ 53,000 | $ 29,000 |
| McKinley, New Mexico | 1 | $ 26,000 | $ 26,000 | $ 72,000 |
| Otero, New Mexico | 1 | $ 67,000 | $ 67,000 | $ 18,000 |
| San Juan, New Mexico | 1 | $ 127,000 | $ 127,000 | $ 82,000 |
| Valencia, New Mexico | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Beaufort, North Carolina | 1 | $ 56,000 | $ 56,000 | $ 34,000 |
| Buncombe, North Carolina | 1 | $ 187,000 | $ 187,000 | $ 41,000 |
| Cabarrus, North Carolina | 1 | $ 340,000 | $ 340,000 | $ 91,000 |
| Catawba, North Carolina | 1 | $ 122,000 | $ 122,000 | $ 64,000 |
| Cleveland, North Carolina | 1 | $ 112,000 | $ 112,000 | $ 109,000 |
| Forsyth, North Carolina | 1 | $ 126,000 | $ 126,000 | $ 40,000 |
| Gaston, North Carolina | 1 | $ 42,000 | $ 42,000 | $ 23,000 |
| Johnston, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 78,000 |
| New Hanover, North Carolina | 1 | $ 137,000 | $ 137,000 | $ 35,000 |
| Yancey, North Carolina | 1 | $ 123,000 | $ 123,000 | $ 40,000 |
| Cherokee, Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 90,000 |
| Osage, Oklahoma | 1 | $ 108,000 | $ 108,000 | $ 86,000 |
| Tulsa, Oklahoma | 1 | $ 117,000 | $ 117,000 | $ 38,000 |
| Woodward, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Benton, Oregon | 1 | $ 176,000 | $ 176,000 | $ 35,000 |
| Columbia, Oregon | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Hood River, Oregon | 1 | $ 600,000 | $ 600,000 | $ 164,000 |
| Klamath, Oregon | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Lane, Oregon | 1 | $ 278,000 | $ 278,000 | $ 93,000 |
| Tillamook, Oregon | 1 | $ 146,000 | $ 146,000 | $ 34,000 |
| Anderson, South Carolina | 1 | $ 179,000 | $ 179,000 | $ 92,000 |
| Beaufort, South Carolina | 1 | $ 300,000 | $ 300,000 | $ 112,000 |
| Greenwood, South Carolina | 1 | $ 42,000 | $ 42,000 | $ 18,000 |
| Laurens, South Carolina | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Pennington, South Dakota | 1 | $ 131,000 | $ 131,000 | $ 30,000 |
| Knox, Tennessee | 1 | $ 161,000 | $ 161,000 | $ 64,000 |
| Iron, Utah | 1 | $ 76,000 | $ 76,000 | $ 40,000 |
| Utah, Utah | 1 | $ 188,000 | $ 188,000 | $ 77,000 |
| Alexandria, Virginia | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Augusta, Virginia | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| Cumberland, Virginia | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Fairfax, Virginia | 1 | $ 307,000 | $ 307,000 | $ 82,000 |
| Frederick, Virginia | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Manassas, Virginia | 1 | $ 352,000 | $ 352,000 | $ 57,000 |
| Portsmouth, Virginia | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Chelan, Washington | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| Douglas, Washington | 1 | $ 102,000 | $ 102,000 | $ 35,000 |
| Jefferson, Washington | 1 | $ 500,000 | $ 500,000 | $ 94,000 |
| Whitman, Washington | 1 | $ 207,000 | $ 207,000 | $ 306,000 |
| Ashland, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 20,000 |
| Fond du Lac, Wisconsin | 1 | $ 62,000 | $ 62,000 | $ 63,000 |
| Jackson, Wisconsin | 1 | $ 94,000 | $ 94,000 | $ 47,000 |
| Kenosha, Wisconsin | 1 | $ 141,000 | $ 141,000 | $ 63,000 |
| Oneida, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Rock, Wisconsin | 1 | $ 43,000 | $ 43,000 | $ 12,000 |
| Laramie, Wyoming | 1 | $ 24,000 | $ 24,000 | $ 46,000 |
| Sweetwater, Wyoming | 1 | $ 166,000 | $ 166,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for First Street Financial, Inc. in 2005
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 | 2,986 | $755,794,000 | $170,212 | $1,110,000 | $70,454 | $852,000 |
| Home Purchase | 2,940 | $627,631,000 | $118,655 | $752,000 | $74,586 | $797,000 |
| 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 | 2,214 | $522,414,000 | $128,800 | $650,000 | $63,950 | $588,000 |
| White | 2,184 | $477,305,000 | $152,382 | $1,110,000 | $67,558 | $852,000 |
| Black or African American | 547 | $122,663,000 | $162,160 | $750,000 | $86,840 | $484,000 |
| Asian | 544 | $155,041,000 | $188,600 | $752,000 | $111,266 | $684,000 |
| Not Provided | 258 | $60,033,000 | $179,950 | $634,000 | $72,000 | $490,000 |
| Native Hawaiian or Other Pacific Islander | 146 | $38,649,000 | $192,500 | $661,000 | $102,000 | $754,000 |
| American Indian or Alaskan Native | 33 | $7,320,000 | $164,666 | $650,000 | $70,833 | $166,000 |
| 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) | 5,926 | $1,383,425,000 | $151,352 | $1,110,000 | $70,088 | $852,000 |
| 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 | 2,197 | $503,546,000 | $138,185 | $856,000 | $66,444 | $684,000 |
| Application Approved But Not Accepted | 2,016 | $493,656,000 | $159,206 | $1,000,000 | $71,655 | $797,000 |
| Application Denied By Financial Institution | 1,516 | $338,163,000 | $146,187 | $1,110,000 | $70,781 | $852,000 |
| File Closed For Incompleteness | 173 | $42,267,000 | $179,800 | $696,000 | $113,650 | $614,000 |
| Application Withdrawn By Applicant | 24 | $5,793,000 | $160,833 | $501,000 | $74,500 | $242,000 |
| 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 | 406 | $102,843,000 | $168,043 | $653,000 | $66,826 | $700,000 |
| Credit History | 403 | $81,032,000 | $157,080 | $1,110,000 | $67,040 | $852,000 |
| Collateral | 181 | $32,114,000 | $151,200 | $640,000 | $89,450 | $660,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 154 | $37,025,000 | $154,869 | $865,000 | $68,130 | $314,000 |
| Other | 137 | $28,157,000 | $124,555 | $616,000 | $103,500 | $420,000 |
| Unverifiable Information | 122 | $30,374,000 | $217,636 | $688,000 | $134,909 | $629,000 |
| Employment History | 93 | $21,222,000 | $176,636 | $548,000 | $110,454 | $565,000 |
| Credit Application Incomplete | 15 | $4,582,000 | $226,500 | $680,000 | $132,000 | $338,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Street Financial, Inc.'s 2005 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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