Freedom First Mortgage, LLC Mortgage Lending & HMDA Data, 2004
In 2004, Freedom First Mortgage, LLC of Miamisburg, OH reported 14 mortgage applications totaling $1.4 million. The average application was for $103,071, and applicants reported an average income of $40,000. 79% of its applications resulted in an originated loan and 7% were denied. Its largest market was Baton Rouge, LA (14).
| Mortgage Company & Address | Freedom First Mortgage, LLC 3232 Newmark Drive Miamisburg, OH 45342 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 14 |
| Total Mortgage Loan Application Amount | $1,443,000 |
| Average Mortgage Loan Application Amount | $103,071 |
| Highest Mortgage Loan Application Amount | $186,000 |
| Average Applicant Income | $40,000 |
| Highest Applicant Income | $62,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Freedom First Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Freedom First Mortgage, LLC in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 14 | $1,443,000 | $103,000 | $186,000 | $40,000 | $62,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| White | 8 | $661,000 | $82,000 | $172,000 | $39,000 | $60,000 |
| Black or African American | 6 | $782,000 | $130,000 | $186,000 | $42,000 | $62,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 6 | $589,000 | $98,000 | $186,000 | $40,000 | $60,000 |
| FHA-insured (Federal Housing Administration) | 6 | $572,000 | $95,000 | $124,000 | $38,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 2 | $282,000 | $141,000 | $180,000 | $46,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 11 | $1,202,000 | $109,000 | $180,000 | $41,000 | $62,000 |
| Application Approved But Not Accepted | 2 | $55,000 | $27,000 | $44,000 | $23,000 | $23,000 |
| Application Denied By Financial Institution | 1 | $186,000 | $186,000 | $186,000 | $52,000 | $52,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1 | $186,000 | $186,000 | $186,000 | $52,000 | $52,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Freedom First Mortgage, LLC's 2004 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 Freedom First Mortgage, LLC'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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