First Street Financial, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, First Street Financial, Inc. of Irvine, CA reported 8,876 mortgage applications totaling $2.3 billion, up 50% from 2005. The average application was for $257,236, and applicants reported an average income of $109,041. 30% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,730), Riverside-San Bernardino-Ontario, CA (1,579) and Santa Ana-Anaheim-Irvine, CA (507) (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 | 8,876 |
| Total Mortgage Loan Application Amount | $2,283,230,000 |
| Average Mortgage Loan Application Amount | $257,236 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $109,041 |
| Highest Applicant Income | $1,944,000 |
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records First Street Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,730 | $ 543,016,000 | $ 313,882 | $ 121,000 |
| Riverside-San Bernardino-Ontario, CA | 1,579 | $ 411,236,000 | $ 260,440 | $ 109,000 |
| Santa Ana-Anaheim-Irvine, CA | 507 | $ 184,920,000 | $ 364,733 | $ 153,000 |
| San Diego-Carlsbad-San Marcos, CA | 406 | $ 132,271,000 | $ 325,790 | $ 134,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 211 | $ 45,961,000 | $ 217,824 | $ 97,000 |
| Phoenix-Mesa-Scottsdale, AZ | 204 | $ 47,858,000 | $ 234,598 | $ 105,000 |
| Miami-Miami Beach-Kendall, FL | 178 | $ 42,492,000 | $ 238,719 | $ 102,000 |
| Oakland-Fremont-Hayward, CA | 177 | $ 63,089,000 | $ 356,435 | $ 134,000 |
| Bakersfield, CA | 166 | $ 31,222,000 | $ 188,084 | $ 86,000 |
| Tampa-St. Petersburg-Clearwater, FL | 149 | $ 26,437,000 | $ 177,429 | $ 95,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 144 | $ 40,215,000 | $ 279,270 | $ 111,000 |
| Las Vegas-Paradise, NV | 135 | $ 31,852,000 | $ 235,940 | $ 109,000 |
| Fresno, CA | 117 | $ 22,257,000 | $ 190,230 | $ 82,000 |
| Atlanta-Sandy Springs-Marietta, GA | 114 | $ 18,460,000 | $ 161,929 | $ 84,000 |
| Orlando-Kissimmee, FL | 104 | $ 19,268,000 | $ 185,269 | $ 82,000 |
| Kansas City, MO-KS | 94 | $ 11,671,000 | $ 124,159 | $ 80,468 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 86 | $ 27,458,000 | $ 319,279 | $ 113,116 |
| Jacksonville, FL | 78 | $ 15,425,000 | $ 197,756 | $ 92,000 |
| Stockton, CA | 76 | $ 22,434,000 | $ 295,184 | $ 116,000 |
| St. Louis, MO-IL | 69 | $ 8,876,000 | $ 128,637 | $ 63,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 68 | $ 15,737,000 | $ 231,426 | $ 118,000 |
| Baltimore-Towson, MD | 67 | $ 12,714,000 | $ 189,761 | $ 72,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 60 | $ 26,009,000 | $ 433,483 | $ 151,000 |
| Seattle-Bellevue-Everett, WA | 59 | $ 16,425,000 | $ 278,389 | $ 101,000 |
| Denver-Aurora, CO | 58 | $ 10,684,000 | $ 184,206 | $ 81,000 |
| Salt Lake City, UT | 56 | $ 7,702,000 | $ 137,535 | $ 76,000 |
| Modesto, CA | 53 | $ 13,581,000 | $ 256,245 | $ 104,000 |
| Visalia-Porterville, CA | 53 | $ 9,946,000 | $ 187,660 | $ 73,000 |
| San Francisco-San Mateo-Redwood City, CA | 52 | $ 22,225,000 | $ 427,403 | $ 164,000 |
| Oklahoma City, OK | 51 | $ 5,363,000 | $ 105,156 | $ 92,000 |
| Warren-Troy-Farmington Hills, MI | 51 | $ 11,740,000 | $ 230,196 | $ 94,000 |
| Portland-Vancouver-Beaverton, OR-WA | 48 | $ 10,834,000 | $ 225,708 | $ 90,750 |
| Milwaukee-Waukesha-West Allis, WI | 47 | $ 5,123,000 | $ 109,000 | $ 55,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 45 | $ 18,657,000 | $ 414,600 | $ 163,000 |
| Vallejo-Fairfield, CA | 45 | $ 14,335,000 | $ 318,555 | $ 121,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 41 | $ 7,507,000 | $ 183,097 | $ 97,975 |
| Santa Rosa-Petaluma, CA | 38 | $ 12,186,000 | $ 320,684 | $ 149,000 |
| Cape Coral-Fort Myers, FL | 37 | $ 7,032,000 | $ 190,054 | $ 113,000 |
| Albuquerque, NM | 33 | $ 4,614,000 | $ 139,818 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 33 | $ 4,920,000 | $ 149,090 | $ 74,545 |
| Port St. Lucie-Fort Pierce, FL | 31 | $ 6,040,000 | $ 194,838 | $ 78,000 |
| Tucson, AZ | 30 | $ 6,737,000 | $ 224,566 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 29 | $ 5,291,000 | $ 182,448 | $ 71,000 |
| El Centro, CA | 28 | $ 4,760,000 | $ 170,000 | $ 79,000 |
| Honolulu, HI | 28 | $ 13,060,000 | $ 466,428 | $ 178,000 |
| Merced, CA | 28 | $ 7,414,000 | $ 264,785 | $ 110,000 |
| Sarasota-Bradenton-Venice, FL | 26 | $ 5,019,000 | $ 193,038 | $ 89,000 |
| Lakeland, FL | 24 | $ 3,253,000 | $ 135,541 | $ 88,000 |
| Richmond, VA | 24 | $ 3,994,000 | $ 166,416 | $ 79,000 |
| Ogden-Clearfield, UT | 22 | $ 3,198,000 | $ 145,363 | $ 80,000 |
| Madera, CA | 21 | $ 4,346,000 | $ 206,952 | $ 93,000 |
| New Haven-Milford, CT | 21 | $ 3,606,000 | $ 171,714 | $ 91,000 |
| Omaha-Council Bluffs, NE-IA | 21 | $ 2,520,000 | $ 120,000 | $ 65,000 |
| Palm Bay-Melbourne-Titusville, FL | 21 | $ 3,966,000 | $ 188,857 | $ 113,000 |
| Charlotte-Gastonia-Concord, NC-SC | 20 | $ 2,784,000 | $ 139,200 | $ 79,000 |
| Salinas, CA | 20 | $ 9,074,000 | $ 453,700 | $ 135,000 |
| Tacoma, WA | 20 | $ 4,859,000 | $ 242,950 | $ 95,000 |
| Ocala, FL | 19 | $ 2,293,000 | $ 120,684 | $ 52,000 |
| Tulsa, OK | 19 | $ 2,534,000 | $ 133,368 | $ 81,000 |
| Detroit-Livonia-Dearborn, MI | 18 | $ 3,756,000 | $ 208,666 | $ 102,000 |
| Hanford-Corcoran, CA | 17 | $ 3,611,000 | $ 212,411 | $ 87,000 |
| Bridgeport-Stamford-Norwalk, CT | 16 | $ 6,371,000 | $ 398,187 | $ 124,000 |
| Naples-Marco Island, FL | 16 | $ 4,132,000 | $ 258,250 | $ 106,000 |
| Pensacola-Ferry Pass-Brent, FL | 16 | $ 2,653,000 | $ 165,812 | $ 81,000 |
| Provo-Orem, UT | 16 | $ 2,589,000 | $ 161,812 | $ 93,000 |
| Raleigh-Cary, NC | 16 | $ 2,925,000 | $ 182,812 | $ 88,000 |
| Spokane, WA | 16 | $ 2,465,000 | $ 154,062 | $ 82,000 |
| Chico, CA | 15 | $ 3,449,000 | $ 229,933 | $ 92,000 |
| Des Moines-West Des Moines, IA | 15 | $ 1,532,000 | $ 102,133 | $ 62,000 |
| Santa Barbara-Santa Maria, CA | 15 | $ 5,351,000 | $ 356,733 | $ 135,000 |
| Yuba City, CA | 14 | $ 3,309,000 | $ 236,357 | $ 97,000 |
| Yuma, AZ | 14 | $ 2,172,000 | $ 155,142 | $ 80,000 |
| Boise City-Nampa, ID | 13 | $ 1,880,000 | $ 144,615 | $ 64,000 |
| Davenport-Moline-Rock Island, IA-IL | 13 | $ 1,344,000 | $ 103,384 | $ 112,000 |
| Greensboro-High Point, NC | 12 | $ 1,541,000 | $ 128,416 | $ 87,000 |
| Memphis, TN-MS-AR | 12 | $ 1,164,000 | $ 97,000 | $ 82,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 5,532,000 | $ 461,000 | $ 152,000 |
| Winston-Salem, NC | 12 | $ 1,294,000 | $ 107,833 | $ 57,000 |
| Bethesda-Gaithersburg-Frederick, MD | 11 | $ 4,973,000 | $ 452,090 | $ 152,000 |
| Greenville, SC | 11 | $ 1,489,000 | $ 135,363 | $ 61,000 |
| Punta Gorda, FL | 11 | $ 2,495,000 | $ 226,818 | $ 81,000 |
| Wichita, KS | 11 | $ 1,115,000 | $ 101,363 | $ 49,000 |
| Bend, OR | 10 | $ 2,953,000 | $ 295,300 | $ 112,000 |
| Columbia, SC | 10 | $ 1,171,000 | $ 117,100 | $ 57,000 |
| Gainesville, FL | 10 | $ 1,315,000 | $ 131,500 | $ 70,000 |
| Hartford-West Hartford-East Hartford, CT | 10 | $ 1,321,000 | $ 132,100 | $ 67,000 |
| Salisbury, MD | 10 | $ 948,000 | $ 94,800 | $ 72,000 |
| Bellingham, WA | 9 | $ 1,496,000 | $ 166,222 | $ 74,000 |
| Colorado Springs, CO | 9 | $ 2,548,000 | $ 283,111 | $ 126,000 |
| Little Rock-North Little Rock, AR | 9 | $ 746,000 | $ 82,888 | $ 56,000 |
| Olympia, WA | 9 | $ 1,961,000 | $ 217,888 | $ 128,000 |
| Salem, OR | 9 | $ 1,376,000 | $ 152,888 | $ 76,000 |
| Nashville-Davidson--Murfreesboro, TN | 8 | $ 1,559,000 | $ 194,875 | $ 99,000 |
| Norwich-New London, CT | 8 | $ 1,864,000 | $ 233,000 | $ 108,000 |
| Redding, CA | 8 | $ 1,942,000 | $ 242,750 | $ 535,000 |
| Warner Robins, GA | 8 | $ 790,000 | $ 98,750 | $ 81,000 |
| Battle Creek, MI | 7 | $ 651,000 | $ 93,000 | $ 198,000 |
| Bremerton-Silverdale, WA | 7 | $ 1,243,000 | $ 177,571 | $ 71,000 |
| Durham, NC | 7 | $ 1,022,000 | $ 146,000 | $ 85,000 |
| Saginaw-Saginaw Township North, MI | 7 | $ 788,000 | $ 112,571 | $ 119,000 |
| St. George, UT | 7 | $ 2,121,000 | $ 303,000 | $ 114,000 |
| St. Joseph, MO-KS | 7 | $ 759,000 | $ 108,428 | $ 78,000 |
| Tallahassee, FL | 7 | $ 926,000 | $ 132,285 | $ 63,000 |
| Cedar Rapids, IA | 6 | $ 534,000 | $ 89,000 | $ 90,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 1,281,000 | $ 213,500 | $ 74,000 |
| Fort Walton Beach-Crestview-Destin, FL | 6 | $ 1,438,000 | $ 239,666 | $ 74,000 |
| Grand Junction, CO | 6 | $ 776,000 | $ 129,333 | $ 66,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 1,002,000 | $ 167,000 | $ 101,000 |
| Medford, OR | 6 | $ 1,868,000 | $ 311,333 | $ 116,000 |
| Reno-Sparks, NV | 6 | $ 2,449,000 | $ 408,166 | $ 138,000 |
| Santa Fe, NM | 6 | $ 952,000 | $ 158,666 | $ 47,000 |
| Spartanburg, SC | 6 | $ 1,205,000 | $ 200,833 | $ 110,000 |
| Wenatchee, WA | 6 | $ 1,326,000 | $ 221,000 | $ 188,000 |
| Chattanooga, TN-GA | 5 | $ 678,000 | $ 135,600 | $ 80,800 |
| Logan, UT-ID | 5 | $ 419,000 | $ 83,800 | $ 63,400 |
| Macon, GA | 5 | $ 899,000 | $ 179,800 | $ 52,000 |
| Prescott, AZ | 5 | $ 892,000 | $ 178,400 | $ 76,000 |
| Pueblo, CO | 5 | $ 516,000 | $ 103,200 | $ 60,000 |
| Racine, WI | 5 | $ 300,000 | $ 60,000 | $ 43,000 |
| Yakima, WA | 5 | $ 877,000 | $ 175,400 | $ 78,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 450,000 | $ 112,500 | $ 124,500 |
| Flint, MI | 4 | $ 447,000 | $ 111,750 | $ 67,000 |
| Fort Collins-Loveland, CO | 4 | $ 607,000 | $ 151,750 | $ 57,000 |
| Joplin, MO | 4 | $ 545,000 | $ 136,250 | $ 104,000 |
| Lansing-East Lansing, MI | 4 | $ 364,000 | $ 91,000 | $ 35,000 |
| Longview, WA | 4 | $ 684,000 | $ 171,000 | $ 44,000 |
| Napa, CA | 4 | $ 1,611,000 | $ 402,750 | $ 125,000 |
| Roanoke, VA | 4 | $ 472,000 | $ 118,000 | $ 38,000 |
| Asheville, NC | 3 | $ 456,000 | $ 152,000 | $ 57,000 |
| Clarksville, TN-KY | 3 | $ 161,000 | $ 53,666 | $ 27,666 |
| Dalton, GA | 3 | $ 263,000 | $ 87,666 | $ 61,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 475,000 | $ 158,333 | $ 44,000 |
| Jackson, MI | 3 | $ 282,000 | $ 94,000 | $ 40,000 |
| Janesville, WI | 3 | $ 611,000 | $ 203,666 | $ 80,000 |
| Lexington-Fayette, KY | 3 | $ 305,000 | $ 101,666 | $ 62,000 |
| Lincoln, NE | 3 | $ 271,000 | $ 90,333 | $ 98,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 415,000 | $ 138,333 | $ 52,000 |
| Pocatello, ID | 3 | $ 475,000 | $ 158,333 | $ 67,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,159,000 | $ 386,333 | $ 97,000 |
| Savannah, GA | 3 | $ 322,000 | $ 107,333 | $ 79,000 |
| Sebastian-Vero Beach, FL | 3 | $ 604,000 | $ 201,333 | $ 92,000 |
| Springfield, MO | 3 | $ 286,000 | $ 95,333 | $ 35,000 |
| Ann Arbor, MI | 2 | $ 133,000 | $ 66,500 | $ 137,000 |
| Boulder, CO | 2 | $ 260,000 | $ 130,000 | $ 131,000 |
| Charleston-North Charleston, SC | 2 | $ 339,000 | $ 169,500 | $ 45,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 180,000 | $ 90,000 | $ 78,000 |
| Coeur D'Alene, ID | 2 | $ 452,000 | $ 226,000 | $ 55,000 |
| Eau Claire, WI | 2 | $ 297,000 | $ 148,500 | $ 59,000 |
| Farmington, NM | 2 | $ 152,000 | $ 76,000 | $ 38,000 |
| Flagstaff, AZ | 2 | $ 531,000 | $ 265,500 | $ 67,000 |
| Gainesville, GA | 2 | $ 144,000 | $ 72,000 | $ 35,000 |
| Greeley, CO | 2 | $ 185,000 | $ 92,500 | $ 55,000 |
| Greenville, NC | 2 | $ 293,000 | $ 146,500 | $ 61,000 |
| Harrisonburg, VA | 2 | $ 344,000 | $ 172,000 | $ 355,000 |
| Jackson, TN | 2 | $ 853,000 | $ 426,500 | $ 108,000 |
| Jacksonville, NC | 2 | $ 242,000 | $ 121,000 | $ 168,000 |
| Jefferson City, MO | 2 | $ 326,000 | $ 163,000 | $ 68,000 |
| Jonesboro, AR | 2 | $ 179,000 | $ 89,500 | $ 75,000 |
| Kalamazoo-Portage, MI | 2 | $ 119,000 | $ 59,500 | $ 54,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 125,000 | $ 62,500 | $ 66,000 |
| Knoxville, TN | 2 | $ 398,000 | $ 199,000 | $ 53,000 |
| Las Cruces, NM | 2 | $ 531,000 | $ 265,500 | $ 75,000 |
| Lewiston, ID-WA | 2 | $ 547,000 | $ 273,500 | $ 66,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 188,000 | $ 94,000 | $ 49,000 |
| Monroe, MI | 2 | $ 297,000 | $ 148,500 | $ 56,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 382,000 | $ 191,000 | $ 115,000 |
| Sumter, SC | 2 | $ 180,000 | $ 90,000 | $ 86,000 |
| Valdosta, GA | 2 | $ 385,000 | $ 192,500 | $ 135,000 |
| Wilmington, DE-MD-NJ | 2 | $ 333,000 | $ 166,500 | $ 45,000 |
| Winchester, VA-WV | 2 | $ 444,000 | $ 222,000 | $ 124,000 |
| York-Hanover, PA | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Albany, GA | 1 | $ 331,000 | $ 331,000 | $ 75,000 |
| Brunswick, GA | 1 | $ 188,000 | $ 188,000 | $ 66,000 |
| Carson City, NV | 1 | $ 158,000 | $ 158,000 | $ 46,000 |
| Cheyenne, WY | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 153,000 | $ 153,000 | $ 52,000 |
| Duluth, MN-WI | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Eugene-Springfield, OR | 1 | $ 166,000 | $ 166,000 | $ 49,000 |
| Fargo, ND-MN | 1 | $ 109,000 | $ 109,000 | $ 37,000 |
| Fond Du Lac, WI | 1 | $ 104,000 | $ 104,000 | $ 78,000 |
| Fort Smith, AR-OK | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Great Falls, MT | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Green Bay, WI | 1 | $ 160,000 | $ 160,000 | $ 67,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Holland-Grand Haven, MI | 1 | $ 190,000 | $ 190,000 | $ 57,000 |
| Idaho Falls, ID | 1 | $ 132,000 | $ 132,000 | $ 70,000 |
| Johnson City, TN | 1 | $ 108,000 | $ 108,000 | $ 31,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 126,000 | $ 126,000 | $ 95,000 |
| Lawton, OK | 1 | $ 111,000 | $ 111,000 | $ 28,000 |
| Madison, WI | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Panama City-Lynn Haven, FL | 1 | $ 153,000 | $ 153,000 | $ 48,000 |
| Pine Bluff, AR | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
| Rochester, MN | 1 | $ 140,000 | $ 140,000 | $ 18,000 |
| Rome, GA | 1 | $ 52,000 | $ 52,000 | $ 19,000 |
| St. Cloud, MN | 1 | $ 304,000 | $ 304,000 | $ 132,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Wilmington, NC | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for First Street Financial, Inc. in 2006
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 | 5,307 | $1,501,232,000 | $282,000 | $1,500,000 | $101,000 | $1,944,000 |
| Home Purchase | 3,569 | $781,998,000 | $219,000 | $1,200,000 | $121,000 | $1,530,000 |
| 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 | 3,171 | $836,399,000 | $263,000 | $1,250,000 | $110,000 | $1,530,000 |
| White | 2,698 | $667,802,000 | $247,000 | $1,320,000 | $109,000 | $1,944,000 |
| Not Provided | 1,268 | $334,087,000 | $263,000 | $1,500,000 | $105,000 | $1,699,000 |
| Black or African American | 1,100 | $247,923,000 | $225,000 | $1,275,000 | $95,000 | $1,164,000 |
| Asian | 455 | $141,490,000 | $310,000 | $1,080,000 | $147,000 | $1,320,000 |
| Native Hawaiian or Other Pacific Islander | 134 | $44,532,000 | $332,000 | $1,155,000 | $136,000 | $1,101,000 |
| American Indian or Alaskan Native | 50 | $10,997,000 | $219,000 | $580,000 | $94,000 | $277,000 |
| 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) | 8,876 | $2,283,230,000 | $257,000 | $1,500,000 | $109,000 | $1,944,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 3,157 | $841,779,000 | $266,000 | $1,260,000 | $109,000 | $1,944,000 |
| Application Denied By Financial Institution | 2,900 | $744,801,000 | $256,000 | $1,500,000 | $117,000 | $1,320,000 |
| Loan Originated | 2,664 | $650,917,000 | $244,000 | $1,155,000 | $100,000 | $1,500,000 |
| File Closed For Incompleteness | 116 | $33,134,000 | $285,000 | $1,320,000 | $136,000 | $1,226,000 |
| Application Withdrawn By Applicant | 39 | $12,599,000 | $323,000 | $1,250,000 | $127,000 | $306,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 572 | $142,360,000 | $248,000 | $1,500,000 | $126,000 | $900,000 |
| Credit History | 529 | $114,187,000 | $215,000 | $1,250,000 | $102,000 | $718,000 |
| Debt-To-Income Ratio | 421 | $122,586,000 | $291,000 | $850,000 | $117,000 | $1,101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 326 | $93,381,000 | $286,000 | $995,000 | $112,000 | $720,000 |
| Collateral | 313 | $82,024,000 | $262,000 | $1,275,000 | $124,000 | $572,000 |
| Unverifiable Information | 153 | $44,659,000 | $291,000 | $975,000 | $139,000 | $981,000 |
| Credit Application Incomplete | 66 | $14,891,000 | $225,000 | $750,000 | $125,000 | $492,000 |
| Employment History | 65 | $16,235,000 | $249,000 | $708,000 | $93,000 | $246,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Street Financial, Inc.'s 2006 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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