Firstline Residential Mortgage Lending & HMDA Data, 2007
In 2007, Firstline Residential of Irvine, CA reported 319 mortgage applications totaling $114.7 million. The average application was for $359,536, and applicants reported an average income of $136,266. 20% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (82), Riverside-San Bernardino-Ontario, CA (29) and San Diego-Carlsbad-San Marcos, CA (28) (applications in parentheses).
| Mortgage Company & Address | Firstline Residential 17310 Redhill Avenue, Suite 250 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 |
| Total Number of Mortgage Applications | 319 |
| Total Mortgage Loan Application Amount | $114,692,000 |
| Average Mortgage Loan Application Amount | $359,536 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $136,266 |
| Highest Applicant Income | $1,080,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firstline Residential filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 82 | $ 36,382,000 | $ 443,682 | $ 174,000 |
| Riverside-San Bernardino-Ontario, CA | 29 | $ 10,541,000 | $ 363,482 | $ 128,000 |
| San Diego-Carlsbad-San Marcos, CA | 28 | $ 9,814,000 | $ 350,500 | $ 142,000 |
| Oakland-Fremont-Hayward, CA | 15 | $ 5,704,000 | $ 380,266 | $ 195,000 |
| Santa Ana-Anaheim-Irvine, CA | 13 | $ 6,555,000 | $ 504,230 | $ 171,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 2,987,000 | $ 248,916 | $ 147,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 3,103,000 | $ 282,090 | $ 114,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 1,920,000 | $ 213,333 | $ 80,000 |
| Orlando-Kissimmee, FL | 8 | $ 1,583,000 | $ 197,875 | $ 67,000 |
| Bakersfield, CA | 6 | $ 1,450,000 | $ 241,666 | $ 84,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 6 | $ 1,583,000 | $ 263,833 | $ 85,000 |
| Denver-Aurora, CO | 5 | $ 1,223,000 | $ 244,600 | $ 194,000 |
| Fresno, CA | 5 | $ 1,145,000 | $ 229,000 | $ 77,000 |
| Merced, CA | 5 | $ 1,277,000 | $ 255,400 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,911,000 | $ 382,200 | $ 102,000 |
| Colorado Springs, CO | 4 | $ 724,000 | $ 181,000 | $ 89,000 |
| Honolulu, HI | 4 | $ 2,156,000 | $ 539,000 | $ 109,000 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 1,240,000 | $ 310,000 | $ 126,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 957,000 | $ 239,250 | $ 116,000 |
| Naples-Marco Island, FL | 3 | $ 978,000 | $ 326,000 | $ 93,000 |
| Salinas, CA | 3 | $ 2,257,000 | $ 752,333 | $ 212,000 |
| Salt Lake City, UT | 3 | $ 794,000 | $ 264,666 | $ 55,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,249,000 | $ 416,333 | $ 116,000 |
| Stockton, CA | 3 | $ 1,272,000 | $ 424,000 | $ 129,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,010,000 | $ 336,666 | $ 164,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 301,000 | $ 150,500 | $ 36,000 |
| Las Vegas-Paradise, NV | 2 | $ 2,344,000 | $ 1,172,000 | $ 423,000 |
| Logan, UT-ID | 2 | $ 508,000 | $ 254,000 | $ 150,000 |
| Ogden-Clearfield, UT | 2 | $ 339,000 | $ 169,500 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 239,000 | $ 119,500 | $ 0 |
| Port St. Lucie, FL | 2 | $ 386,000 | $ 193,000 | $ 83,000 |
| Provo-Orem, UT | 2 | $ 466,000 | $ 233,000 | $ 57,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 884,000 | $ 442,000 | $ 181,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 535,000 | $ 267,500 | $ 63,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 373,000 | $ 186,500 | $ 81,000 |
| Boise City-Nampa, ID | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Bremerton-Silverdale, WA | 1 | $ 291,000 | $ 291,000 | $ 94,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 298,000 | $ 298,000 | $ 99,000 |
| Eugene-Springfield, OR | 1 | $ 240,000 | $ 240,000 | $ 58,000 |
| Jacksonville, FL | 1 | $ 229,000 | $ 229,000 | $ 73,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Modesto, CA | 1 | $ 391,000 | $ 391,000 | $ 84,000 |
| New Haven-Milford, CT | 1 | $ 305,000 | $ 305,000 | $ 38,000 |
| Panama City-Lynn Haven, FL | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Pueblo, CO | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Rocky Mount, NC | 1 | $ 104,000 | $ 104,000 | $ 44,000 |
| Tacoma, WA | 1 | $ 975,000 | $ 975,000 | $ 299,000 |
| Visalia-Porterville, CA | 1 | $ 228,000 | $ 228,000 | $ 74,000 |
| Yakima, WA | 1 | $ 171,000 | $ 171,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Firstline Residential 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 | 195 | $69,097,000 | $354,000 | $2,083,000 | $126,000 | $760,000 |
| Home Purchase | 119 | $43,003,000 | $361,000 | $3,500,000 | $151,000 | $1,080,000 |
| Home Improvement | 5 | $2,592,000 | $518,000 | $590,000 | $186,000 | $319,000 |
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 | 126 | $48,692,000 | $386,000 | $3,500,000 | $157,000 | $1,080,000 |
| Hispanic | 117 | $38,409,000 | $328,000 | $675,000 | $118,000 | $720,000 |
| Black or African American | 34 | $11,730,000 | $345,000 | $1,488,000 | $146,000 | $718,000 |
| Asian | 24 | $10,040,000 | $418,000 | $693,000 | $136,000 | $319,000 |
| Not Provided | 14 | $4,410,000 | $315,000 | $584,000 | $86,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,411,000 | $352,000 | $569,000 | $130,000 | $180,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 319 | $114,692,000 | $359,000 | $3,500,000 | $136,000 | $1,080,000 |
| 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 Withdrawn By Applicant | 167 | $68,033,000 | $407,000 | $3,500,000 | $152,000 | $1,080,000 |
| Application Denied By Financial Institution | 88 | $28,435,000 | $323,000 | $975,000 | $120,000 | $720,000 |
| Loan Originated | 64 | $18,224,000 | $284,000 | $932,000 | $117,000 | $330,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 23 | $7,003,000 | $304,000 | $596,000 | $81,000 | $146,000 |
| Credit History | 20 | $6,754,000 | $337,000 | $600,000 | $104,000 | $262,000 |
| Unverifiable Information | 14 | $4,428,000 | $316,000 | $693,000 | $121,000 | $187,000 |
| Collateral | 11 | $4,117,000 | $374,000 | $975,000 | $212,000 | $720,000 |
| Other | 10 | $3,303,000 | $330,000 | $617,000 | $167,000 | $396,000 |
| Employment History | 6 | $1,693,000 | $282,000 | $417,000 | $92,000 | $154,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,137,000 | $284,000 | $462,000 | $83,000 | $184,000 |
| 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 Firstline Residential'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 Residential'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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with aggregated HMDA statistics today.
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