Firstline Mortgage, Inc Mortgage Lending & HMDA Data, 2006
In 2006, Firstline Mortgage, Inc of Costa Mesa, CA reported 900 mortgage applications totaling $294.5 million, down 6% from 2005. The average application was for $327,188, and applicants reported an average income of $182,017. 40% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (183), Riverside-San Bernardino-Ontario, CA (122) and Santa Ana-Anaheim-Irvine, CA (52) (applications in parentheses).
| Mortgage Company & Address | Firstline Mortgage, Inc 3200 Bristol Street, Suite 750 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 |
| Total Number of Mortgage Applications | 900 |
| Total Mortgage Loan Application Amount | $294,470,000 |
| Average Mortgage Loan Application Amount | $327,188 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $182,017 |
| Highest Applicant Income | $4,669,000 |
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(HMDA) records Firstline Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 183 | $ 61,690,000 | $ 337,103 | $ 164,000 |
| Riverside-San Bernardino-Ontario, CA | 122 | $ 34,388,000 | $ 281,868 | $ 132,000 |
| Santa Ana-Anaheim-Irvine, CA | 52 | $ 23,982,000 | $ 461,192 | $ 220,000 |
| San Diego-Carlsbad-San Marcos, CA | 41 | $ 19,174,000 | $ 467,658 | $ 249,000 |
| Oakland-Fremont-Hayward, CA | 40 | $ 14,224,000 | $ 355,600 | $ 180,000 |
| Las Vegas-Paradise, NV | 36 | $ 8,993,000 | $ 249,805 | $ 137,000 |
| Phoenix-Mesa-Scottsdale, AZ | 32 | $ 13,822,000 | $ 431,937 | $ 198,000 |
| Miami-Miami Beach-Kendall, FL | 26 | $ 7,664,000 | $ 294,769 | $ 133,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 22 | $ 5,968,000 | $ 271,272 | $ 135,681 |
| Sacramento--Arden-Arcade--Roseville, CA | 21 | $ 7,486,000 | $ 356,476 | $ 151,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 19 | $ 4,771,000 | $ 251,105 | $ 130,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 9,636,000 | $ 507,157 | $ 361,000 |
| Stockton, CA | 13 | $ 4,296,000 | $ 330,461 | $ 220,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 3,674,000 | $ 306,166 | $ 1,085,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 4,999,000 | $ 454,454 | $ 187,000 |
| Tacoma, WA | 11 | $ 2,572,000 | $ 233,818 | $ 167,000 |
| Bethesda-Gaithersburg-Frederick, MD | 10 | $ 3,487,000 | $ 348,700 | $ 145,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 2,365,000 | $ 236,500 | $ 234,000 |
| Orlando-Kissimmee, FL | 9 | $ 1,867,000 | $ 207,444 | $ 94,000 |
| Visalia-Porterville, CA | 9 | $ 776,000 | $ 86,222 | $ 108,000 |
| Denver-Aurora, CO | 8 | $ 879,000 | $ 109,875 | $ 121,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 2,060,000 | $ 257,500 | $ 188,000 |
| Salinas, CA | 8 | $ 2,850,000 | $ 356,250 | $ 239,000 |
| Baltimore-Towson, MD | 7 | $ 1,063,000 | $ 151,857 | $ 106,000 |
| Modesto, CA | 7 | $ 2,053,000 | $ 293,285 | $ 191,000 |
| Naples-Marco Island, FL | 7 | $ 2,575,000 | $ 367,857 | $ 177,000 |
| San Francisco-San Mateo-Redwood City, CA | 7 | $ 3,607,000 | $ 515,285 | $ 174,000 |
| Bremerton-Silverdale, WA | 6 | $ 2,717,000 | $ 452,833 | $ 322,000 |
| Lakeland, FL | 6 | $ 853,000 | $ 142,166 | $ 132,000 |
| Raleigh-Cary, NC | 6 | $ 943,000 | $ 157,166 | $ 109,000 |
| Bakersfield, CA | 5 | $ 747,000 | $ 149,400 | $ 96,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,790,000 | $ 358,000 | $ 206,000 |
| Honolulu, HI | 4 | $ 1,012,000 | $ 253,000 | $ 105,000 |
| Indianapolis-Carmel, IN | 4 | $ 469,000 | $ 117,250 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 2,809,000 | $ 702,250 | $ 301,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,284,000 | $ 321,000 | $ 232,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,373,000 | $ 343,250 | $ 135,000 |
| Boise City-Nampa, ID | 3 | $ 434,000 | $ 144,666 | $ 0 |
| Gary, IN | 3 | $ 439,000 | $ 146,333 | $ 284,000 |
| Merced, CA | 3 | $ 577,000 | $ 192,333 | $ 217,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 570,000 | $ 190,000 | $ 58,000 |
| Yuma, AZ | 3 | $ 253,000 | $ 84,333 | $ 89,000 |
| Boulder, CO | 2 | $ 619,000 | $ 309,500 | $ 312,000 |
| Coeur D'Alene, ID | 2 | $ 938,000 | $ 469,000 | $ 0 |
| Colorado Springs, CO | 2 | $ 960,000 | $ 480,000 | $ 260,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 1,099,000 | $ 549,500 | $ 684,000 |
| Fayetteville, NC | 2 | $ 247,000 | $ 123,500 | $ 134,000 |
| Fort Collins-Loveland, CO | 2 | $ 215,000 | $ 107,500 | $ 53,000 |
| Fresno, CA | 2 | $ 293,000 | $ 146,500 | $ 105,000 |
| Kansas City, MO-KS | 2 | $ 151,000 | $ 75,500 | $ 52,000 |
| Madera, CA | 2 | $ 448,000 | $ 224,000 | $ 80,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 190,000 | $ 95,000 | $ 59,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 596,000 | $ 298,000 | $ 116,000 |
| Prescott, AZ | 2 | $ 404,000 | $ 202,000 | $ 83,000 |
| Provo-Orem, UT | 2 | $ 3,150,000 | $ 1,575,000 | $ 459,000 |
| Punta Gorda, FL | 2 | $ 1,060,000 | $ 530,000 | $ 0 |
| Tucson, AZ | 2 | $ 286,000 | $ 143,000 | $ 19,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 340,000 | $ 170,000 | $ 119,000 |
| Yuba City, CA | 2 | $ 256,000 | $ 128,000 | $ 65,000 |
| Columbia, MO | 1 | $ 162,000 | $ 162,000 | $ 107,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 260,000 | $ 260,000 | $ 78,000 |
| Durham, NC | 1 | $ 159,000 | $ 159,000 | $ 60,000 |
| El Centro, CA | 1 | $ 152,000 | $ 152,000 | $ 99,000 |
| Evansville, IN-KY | 1 | $ 94,000 | $ 94,000 | $ 75,000 |
| Flagstaff, AZ | 1 | $ 320,000 | $ 320,000 | $ 277,000 |
| Jacksonville, FL | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Jacksonville, NC | 1 | $ 559,000 | $ 559,000 | $ 450,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 208,000 | $ 208,000 | $ 88,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 162,000 | $ 162,000 | $ 54,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 373,000 | $ 373,000 | $ 83,000 |
| Olympia, WA | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 162,000 | $ 162,000 | $ 72,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 210,000 | $ 210,000 | $ 52,000 |
| Redding, CA | 1 | $ 232,000 | $ 232,000 | $ 112,000 |
| Santa Barbara-Santa Maria, CA | 1 | $ 1,500,000 | $ 1,500,000 | $ 900,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 260,000 | $ 260,000 | $ 0 |
Mortgage Loan Application Detail Totals for Firstline Mortgage, 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 | 564 | $190,064,000 | $336,000 | $5,100,000 | $182,000 | $4,669,000 |
| Home Purchase | 335 | $104,259,000 | $311,000 | $1,650,000 | $182,000 | $750,000 |
| Home Improvement | 1 | $147,000 | $147,000 | $147,000 | $198,000 | $198,000 |
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 | 291 | $104,273,000 | $358,000 | $5,100,000 | $238,000 | $4,669,000 |
| Hispanic | 243 | $69,167,000 | $284,000 | $1,330,000 | $124,000 | $720,000 |
| Black or African American | 134 | $40,960,000 | $305,000 | $1,425,000 | $154,000 | $606,000 |
| Not Provided | 113 | $36,744,000 | $325,000 | $1,500,000 | $170,000 | $750,000 |
| Asian | 97 | $35,250,000 | $363,000 | $1,500,000 | $200,000 | $960,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $7,171,000 | $398,000 | $1,250,000 | $243,000 | $772,000 |
| American Indian or Alaskan Native | 4 | $905,000 | $226,000 | $616,000 | $170,000 | $273,000 |
| 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) | 900 | $294,470,000 | $327,000 | $5,100,000 | $182,000 | $4,669,000 |
| 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 | 356 | $107,033,000 | $300,000 | $1,500,000 | $149,000 | $900,000 |
| Application Denied By Financial Institution | 219 | $75,441,000 | $344,000 | $1,513,000 | $240,000 | $4,669,000 |
| Application Approved But Not Accepted | 158 | $47,367,000 | $299,000 | $1,410,000 | $161,000 | $696,000 |
| File Closed For Incompleteness | 98 | $38,755,000 | $395,000 | $5,100,000 | $208,000 | $1,440,000 |
| Application Withdrawn By Applicant | 69 | $25,874,000 | $374,000 | $2,100,000 | $177,000 | $624,000 |
| 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 | 75 | $23,666,000 | $315,000 | $1,500,000 | $328,000 | $4,669,000 |
| Collateral | 47 | $18,304,000 | $389,000 | $1,425,000 | $224,000 | $606,000 |
| Credit History | 33 | $12,806,000 | $388,000 | $1,513,000 | $122,000 | $372,000 |
| Debt-To-Income Ratio | 24 | $7,041,000 | $293,000 | $900,000 | $201,000 | $500,000 |
| Unverifiable Information | 18 | $5,276,000 | $293,000 | $750,000 | $199,000 | $312,000 |
| Employment History | 14 | $6,025,000 | $430,000 | $1,250,000 | $283,000 | $772,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,269,000 | $253,000 | $620,000 | $98,000 | $198,000 |
| Credit Application Incomplete | 3 | $1,054,000 | $351,000 | $584,000 | $220,000 | $258,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Firstline Mortgage, 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 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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