Firstline Mortgage Inc Mortgage Lending & HMDA Data, 2007
In 2007, Firstline Mortgage Inc of Costa Mesa, CA reported 383 mortgage applications totaling $131.0 million. The average application was for $341,908, and applicants reported an average income of $153,140. 25% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (74), Riverside-San Bernardino-Ontario, CA (54) and San Diego-Carlsbad-San Marcos, CA (31) (applications in parentheses).
| Mortgage Company & Address | Firstline Mortgage Inc 3200 Bristol Street Suite 720 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 |
| Total Number of Mortgage Applications | 383 |
| Total Mortgage Loan Application Amount | $130,951,000 |
| Average Mortgage Loan Application Amount | $341,908 |
| Highest Mortgage Loan Application Amount | $2,340,000 |
| Average Applicant Income | $153,140 |
| Highest Applicant Income | $1,188,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firstline Mortgage Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 74 | $ 27,941,000 | $ 377,581 | $ 140,000 |
| Riverside-San Bernardino-Ontario, CA | 54 | $ 16,673,000 | $ 308,759 | $ 116,000 |
| San Diego-Carlsbad-San Marcos, CA | 31 | $ 13,276,000 | $ 428,258 | $ 232,000 |
| Santa Ana-Anaheim-Irvine, CA | 30 | $ 13,772,000 | $ 459,066 | $ 250,000 |
| Phoenix-Mesa-Scottsdale, AZ | 20 | $ 5,182,000 | $ 259,100 | $ 97,000 |
| Honolulu, HI | 13 | $ 5,478,000 | $ 421,384 | $ 137,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 3,438,000 | $ 264,461 | $ 98,000 |
| Las Vegas-Paradise, NV | 12 | $ 3,451,000 | $ 287,583 | $ 129,000 |
| Oakland-Fremont-Hayward, CA | 11 | $ 4,859,000 | $ 441,727 | $ 235,000 |
| Portland-Vancouver-Beaverton, OR-WA | 8 | $ 1,749,000 | $ 218,625 | $ 67,375 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,881,000 | $ 235,125 | $ 131,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,317,000 | $ 188,142 | $ 155,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 7 | $ 2,456,000 | $ 350,857 | $ 181,000 |
| Stockton, CA | 7 | $ 2,629,000 | $ 375,571 | $ 219,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,637,000 | $ 272,833 | $ 114,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,903,000 | $ 380,600 | $ 139,000 |
| Salinas, CA | 5 | $ 3,399,000 | $ 679,800 | $ 224,000 |
| Bethesda-Gaithersburg-Frederick, MD | 4 | $ 910,000 | $ 227,500 | $ 202,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 997,000 | $ 249,250 | $ 103,000 |
| Orlando-Kissimmee, FL | 4 | $ 872,000 | $ 218,000 | $ 79,000 |
| Reno-Sparks, NV | 4 | $ 1,466,000 | $ 366,500 | $ 199,000 |
| Tacoma, WA | 4 | $ 830,000 | $ 207,500 | $ 104,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 928,000 | $ 232,000 | $ 124,500 |
| Denver-Aurora, CO | 3 | $ 1,263,000 | $ 421,000 | $ 88,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,118,000 | $ 372,666 | $ 153,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,013,000 | $ 337,666 | $ 140,000 |
| Bakersfield, CA | 2 | $ 280,000 | $ 140,000 | $ 20,000 |
| Baltimore-Towson, MD | 2 | $ 915,000 | $ 457,500 | $ 489,000 |
| Boise City-Nampa, ID | 2 | $ 316,000 | $ 158,000 | $ 143,000 |
| Durham, NC | 2 | $ 790,000 | $ 395,000 | $ 154,000 |
| Gary, IN | 2 | $ 148,000 | $ 74,000 | $ 82,000 |
| Kansas City, MO-KS | 2 | $ 235,000 | $ 117,500 | $ 91,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,080,000 | $ 540,000 | $ 298,000 |
| Palm Coast, FL | 2 | $ 675,000 | $ 337,500 | $ 215,000 |
| Port St. Lucie, FL | 2 | $ 247,000 | $ 123,500 | $ 150,000 |
| Salt Lake City, UT | 2 | $ 537,000 | $ 268,500 | $ 233,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,205,000 | $ 602,500 | $ 117,000 |
| Tucson, AZ | 2 | $ 180,000 | $ 90,000 | $ 96,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Boulder, CO | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 199,000 | $ 199,000 | $ 156,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| El Centro, CA | 1 | $ 180,000 | $ 180,000 | $ 360,000 |
| Jacksonville, FL | 1 | $ 655,000 | $ 655,000 | $ 198,000 |
| Modesto, CA | 1 | $ 590,000 | $ 590,000 | $ 251,000 |
| Ogden-Clearfield, UT | 1 | $ 116,000 | $ 116,000 | $ 55,000 |
| Provo-Orem, UT | 1 | $ 121,000 | $ 121,000 | $ 49,000 |
| Salem, OR | 1 | $ 184,000 | $ 184,000 | $ 75,000 |
| St. Louis, MO-IL | 1 | $ 128,000 | $ 128,000 | $ 72,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 182,000 | $ 182,000 | $ 55,000 |
| Yakima, WA | 1 | $ 133,000 | $ 133,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Firstline Mortgage Inc in 2007
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 | 236 | $81,489,000 | $345,000 | $2,340,000 | $151,000 | $1,188,000 |
| Home Purchase | 146 | $49,072,000 | $336,000 | $1,380,000 | $157,000 | $557,000 |
| Home Improvement | 1 | $390,000 | $390,000 | $390,000 | $95,000 | $95,000 |
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 | 174 | $54,854,000 | $315,000 | $1,460,000 | $151,000 | $1,188,000 |
| Hispanic | 74 | $28,165,000 | $380,000 | $1,000,000 | $146,000 | $516,000 |
| Black or African American | 52 | $16,106,000 | $309,000 | $798,000 | $132,000 | $357,000 |
| Not Provided | 43 | $15,783,000 | $367,000 | $1,110,000 | $194,000 | $557,000 |
| Asian | 34 | $14,001,000 | $411,000 | $2,340,000 | $160,000 | $671,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,554,000 | $388,000 | $625,000 | $182,000 | $257,000 |
| Not applicable | 1 | $143,000 | $143,000 | $143,000 | $100,000 | $100,000 |
| American Indian or Alaskan Native | 1 | $345,000 | $345,000 | $345,000 | $78,000 | $78,000 |
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) | 383 | $130,951,000 | $341,000 | $2,340,000 | $153,000 | $1,188,000 |
| 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 Denied By Financial Institution | 128 | $45,775,000 | $357,000 | $1,380,000 | $170,000 | $557,000 |
| Loan Originated | 95 | $32,718,000 | $344,000 | $2,340,000 | $128,000 | $671,000 |
| Application Withdrawn By Applicant | 82 | $31,103,000 | $379,000 | $1,460,000 | $155,000 | $1,188,000 |
| Application Approved But Not Accepted | 71 | $20,222,000 | $284,000 | $1,110,000 | $148,000 | $352,000 |
| File Closed For Incompleteness | 7 | $1,133,000 | $161,000 | $296,000 | $203,000 | $654,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 40 | $12,699,000 | $317,000 | $798,000 | $142,000 | $474,000 |
| Other | 32 | $13,114,000 | $409,000 | $1,050,000 | $208,000 | $516,000 |
| Collateral | 29 | $8,868,000 | $305,000 | $1,380,000 | $145,000 | $443,000 |
| Debt-To-Income Ratio | 10 | $3,887,000 | $388,000 | $900,000 | $236,000 | $557,000 |
| Unverifiable Information | 10 | $3,860,000 | $386,000 | $1,000,000 | $174,000 | $318,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,275,000 | $568,000 | $960,000 | $217,000 | $295,000 |
| Employment History | 2 | $957,000 | $478,000 | $530,000 | $121,000 | $138,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Firstline Mortgage Inc's 2007 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 Firstline Mortgage 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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