Homefirst Mortgage, Inc. Mortgage Lending & HMDA Data, 2003
In 2003, Homefirst Mortgage, Inc. of Irvine, CA reported 2,841 mortgage applications totaling $525.0 million. The average application was for $184,810, and applicants reported an average income of $71,168. 69% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Los Angeles-Long Beach, CA (210), Riverside-San Bernardino, CA (196) and Chicago, IL (149) (applications in parentheses).
| Mortgage Company & Address | Homefirst Mortgage, Inc. 30 Executive Park, Ste 200 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 2,841 |
| Total Mortgage Loan Application Amount | $525,048,000 |
| Average Mortgage Loan Application Amount | $184,810 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $71,168 |
| Highest Applicant Income | $605,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homefirst Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, CA | 210 | $ 49,100,000 | $ 233,809 | $ 74,000 |
| Riverside-San Bernardino, CA | 196 | $ 37,763,000 | $ 192,668 | $ 71,000 |
| Chicago, IL | 149 | $ 30,086,000 | $ 201,919 | $ 83,000 |
| Detroit, MI | 126 | $ 20,190,000 | $ 160,238 | $ 73,000 |
| Orange County, CA | 112 | $ 34,880,000 | $ 311,428 | $ 131,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 85 | $ 12,223,000 | $ 143,800 | $ 64,000 |
| Sacramento, CA | 75 | $ 14,302,000 | $ 190,693 | $ 69,000 |
| Oakland, CA | 57 | $ 14,907,000 | $ 261,526 | $ 92,000 |
| San Diego, CA | 54 | $ 13,165,000 | $ 243,796 | $ 81,000 |
| Fresno, CA | 51 | $ 8,586,000 | $ 168,352 | $ 86,000 |
| Minneapolis-St. Paul, MN-WI | 45 | $ 7,858,000 | $ 174,622 | $ 67,000 |
| Richmond-Petersburg, VA | 44 | $ 6,370,000 | $ 144,772 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 41 | $ 9,357,000 | $ 228,219 | $ 82,000 |
| Orlando, FL | 35 | $ 5,695,000 | $ 162,714 | $ 86,000 |
| Stockton-Lodi, CA | 35 | $ 6,975,000 | $ 199,285 | $ 72,000 |
| Tampa-St. Petersburg-Clearwater, FL | 33 | $ 4,960,000 | $ 150,303 | $ 80,000 |
| West Palm Beach-Boca Raton, FL | 32 | $ 5,845,000 | $ 182,656 | $ 74,000 |
| Miami, FL | 30 | $ 4,922,000 | $ 164,066 | $ 73,000 |
| Vallejo-Fairfield-Napa, CA | 29 | $ 7,220,000 | $ 248,965 | $ 83,000 |
| Modesto, CA | 28 | $ 5,128,000 | $ 183,142 | $ 62,000 |
| Portland-Vancouver, OR-WA | 28 | $ 4,688,000 | $ 167,428 | $ 62,000 |
| Fort Lauderdale, FL | 26 | $ 4,508,000 | $ 173,384 | $ 71,000 |
| Ventura, CA | 26 | $ 8,127,000 | $ 312,576 | $ 98,000 |
| Denver, CO | 25 | $ 4,375,000 | $ 175,000 | $ 64,000 |
| Grand Rapids-Muskegon-Holland, MI | 25 | $ 2,906,000 | $ 116,240 | $ 54,000 |
| Indianapolis, IN | 24 | $ 3,246,000 | $ 135,250 | $ 64,000 |
| Ann Arbor, MI | 23 | $ 3,765,000 | $ 163,695 | $ 67,000 |
| Salt Lake City-Ogden, UT | 19 | $ 2,134,000 | $ 112,315 | $ 50,000 |
| Memphis, TN-AR-MS | 18 | $ 2,808,000 | $ 156,000 | $ 56,000 |
| Sarasota-Bradenton, FL | 17 | $ 3,078,000 | $ 181,058 | $ 74,000 |
| Saginaw-Bay City-Midland, MI | 15 | $ 1,354,000 | $ 90,266 | $ 50,000 |
| Albuquerque, NM | 14 | $ 1,944,000 | $ 138,857 | $ 63,000 |
| Boise City, ID | 14 | $ 1,852,000 | $ 132,285 | $ 60,000 |
| Jacksonville, FL | 14 | $ 2,369,000 | $ 169,214 | $ 70,000 |
| Kalamazoo-Battle Creek, MI | 14 | $ 1,478,000 | $ 105,571 | $ 67,000 |
| Salinas, CA | 14 | $ 4,017,000 | $ 286,928 | $ 90,000 |
| Bakersfield, CA | 12 | $ 1,514,000 | $ 126,166 | $ 72,000 |
| Flint, MI | 12 | $ 1,429,000 | $ 119,083 | $ 61,000 |
| Merced, CA | 12 | $ 1,818,000 | $ 151,500 | $ 59,000 |
| Nashville, TN | 12 | $ 1,778,000 | $ 148,166 | $ 48,000 |
| San Francisco, CA | 12 | $ 4,187,000 | $ 348,916 | $ 82,000 |
| Burlington, VT | 11 | $ 1,925,000 | $ 175,000 | $ 73,000 |
| Gary, IN | 11 | $ 1,227,000 | $ 111,545 | $ 71,000 |
| Lansing-East Lansing, MI | 11 | $ 1,241,000 | $ 112,818 | $ 53,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 11 | $ 2,262,000 | $ 205,636 | $ 60,000 |
| Fort Pierce-Port St. Lucie, FL | 10 | $ 1,612,000 | $ 161,200 | $ 121,000 |
| San Jose, CA | 10 | $ 4,004,000 | $ 400,400 | $ 141,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 10 | $ 2,872,000 | $ 287,200 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 3,589,000 | $ 358,900 | $ 89,000 |
| Santa Rosa, CA | 10 | $ 3,412,000 | $ 341,200 | $ 92,000 |
| Yuba City, CA | 10 | $ 1,642,000 | $ 164,200 | $ 74,000 |
| Charlottesville, VA | 9 | $ 1,009,000 | $ 112,111 | $ 53,000 |
| Fort Myers-Cape Coral, FL | 9 | $ 1,539,000 | $ 171,000 | $ 59,000 |
| Melbourne-Titusville-Palm Bay, FL | 9 | $ 1,126,000 | $ 125,111 | $ 59,000 |
| Tacoma, WA | 9 | $ 1,527,000 | $ 169,666 | $ 63,000 |
| Phoenix-Mesa, AZ | 8 | $ 1,452,000 | $ 181,500 | $ 107,000 |
| Redding, CA | 8 | $ 1,092,000 | $ 136,500 | $ 49,000 |
| Visalia-Tulare-Porterville, CA | 8 | $ 1,116,000 | $ 139,500 | $ 69,000 |
| Chico-Paradise, CA | 7 | $ 1,187,000 | $ 169,571 | $ 55,000 |
| Daytona Beach, FL | 7 | $ 825,000 | $ 117,857 | $ 58,000 |
| Greeley, CO | 7 | $ 1,471,000 | $ 210,142 | $ 75,000 |
| Medford-Ashland, OR | 7 | $ 1,212,000 | $ 173,142 | $ 71,000 |
| Milwaukee-Waukesha, WI | 7 | $ 1,334,000 | $ 190,571 | $ 84,000 |
| Pensacola, FL | 7 | $ 979,000 | $ 139,857 | $ 52,000 |
| Yolo, CA | 7 | $ 1,415,000 | $ 202,142 | $ 121,000 |
| Lynchburg, VA | 6 | $ 750,000 | $ 125,000 | $ 56,000 |
| Philadelphia, PA-NJ | 6 | $ 1,168,000 | $ 194,666 | $ 72,000 |
| Roanoke, VA | 6 | $ 777,000 | $ 129,500 | $ 49,000 |
| Billings, MT | 5 | $ 528,000 | $ 105,600 | $ 82,000 |
| Bremerton, WA | 5 | $ 852,000 | $ 170,400 | $ 53,000 |
| Missoula, MT | 5 | $ 801,000 | $ 160,200 | $ 74,000 |
| Naples, FL | 5 | $ 1,104,000 | $ 220,800 | $ 82,000 |
| Ocala, FL | 5 | $ 1,098,000 | $ 219,600 | $ 67,000 |
| Providence-Fall River-Warwick, RI-MA | 5 | $ 769,000 | $ 153,800 | $ 96,000 |
| Tallahassee, FL | 5 | $ 755,000 | $ 151,000 | $ 67,000 |
| Yakima, WA | 5 | $ 663,000 | $ 132,600 | $ 47,000 |
| Chattanooga, TN-GA | 4 | $ 690,000 | $ 172,500 | $ 75,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 4 | $ 458,000 | $ 114,500 | $ 50,000 |
| Knoxville, TN | 4 | $ 560,000 | $ 140,000 | $ 66,000 |
| Lakeland-Winter Haven, FL | 4 | $ 300,000 | $ 75,000 | $ 47,000 |
| Las Cruces, NM | 4 | $ 347,000 | $ 86,750 | $ 33,000 |
| Madison, WI | 4 | $ 546,000 | $ 136,500 | $ 63,000 |
| Olympia, WA | 4 | $ 591,000 | $ 147,750 | $ 46,000 |
| Panama City, FL | 4 | $ 451,000 | $ 112,750 | $ 63,000 |
| Richland-Kennewick-Pasco, WA | 4 | $ 657,000 | $ 164,250 | $ 63,000 |
| Bellingham, WA | 3 | $ 603,000 | $ 201,000 | $ 93,000 |
| Benton Harbor, MI | 3 | $ 362,000 | $ 120,666 | $ 72,000 |
| Bismarck, ND | 3 | $ 281,000 | $ 93,666 | $ 76,000 |
| Boulder-Longmont, CO | 3 | $ 629,000 | $ 209,666 | $ 68,000 |
| Colorado Springs, CO | 3 | $ 550,000 | $ 183,333 | $ 63,000 |
| Corvallis, OR | 3 | $ 531,000 | $ 177,000 | $ 54,000 |
| Eugene-Springfield, OR | 3 | $ 338,000 | $ 112,666 | $ 61,000 |
| Fargo-Moorhead, ND-MN | 3 | $ 327,000 | $ 109,000 | $ 35,000 |
| Jackson, MI | 3 | $ 337,000 | $ 112,333 | $ 42,000 |
| Kankakee, IL | 3 | $ 424,000 | $ 141,333 | $ 72,000 |
| Peoria-Pekin, IL | 3 | $ 342,000 | $ 114,000 | $ 93,000 |
| Punta Gorda, FL | 3 | $ 385,000 | $ 128,333 | $ 52,000 |
| Rochester, MN | 3 | $ 434,000 | $ 144,666 | $ 48,000 |
| Salem, OR | 3 | $ 451,000 | $ 150,333 | $ 73,000 |
| Sheboygan, WI | 3 | $ 302,000 | $ 100,666 | $ 44,000 |
| Sioux Falls, SD | 3 | $ 363,000 | $ 121,000 | $ 76,000 |
| Wausau, WI | 3 | $ 425,000 | $ 141,666 | $ 94,000 |
| Appleton-Oshkosh-Neenah, WI | 2 | $ 204,000 | $ 102,000 | $ 43,000 |
| Bloomington, IN | 2 | $ 555,000 | $ 277,500 | $ 172,000 |
| Bloomington-Normal, IL | 2 | $ 199,000 | $ 99,500 | $ 65,000 |
| Cheyenne, WY | 2 | $ 244,000 | $ 122,000 | $ 61,000 |
| Danville, VA | 2 | $ 211,000 | $ 105,500 | $ 56,000 |
| Duluth-Superior, MN-WI | 2 | $ 257,000 | $ 128,500 | $ 46,000 |
| Evansville-Henderson, IN-KY | 2 | $ 173,000 | $ 86,500 | $ 54,000 |
| Fort Walton Beach, FL | 2 | $ 219,000 | $ 109,500 | $ 36,000 |
| Lafayette, IN | 2 | $ 437,000 | $ 218,500 | $ 42,000 |
| Provo-Orem, UT | 2 | $ 292,000 | $ 146,000 | $ 45,000 |
| Pueblo, CO | 2 | $ 172,000 | $ 86,000 | $ 38,000 |
| Racine, WI | 2 | $ 237,000 | $ 118,500 | $ 48,000 |
| Santa Fe, NM | 2 | $ 435,000 | $ 217,500 | $ 61,000 |
| South Bend, IN | 2 | $ 283,000 | $ 141,500 | $ 57,000 |
| Spokane, WA | 2 | $ 275,000 | $ 137,500 | $ 48,000 |
| St. Cloud, MN | 2 | $ 282,000 | $ 141,000 | $ 79,000 |
| Terre Haute, IN | 2 | $ 142,000 | $ 71,000 | $ 59,000 |
| Tucson, AZ | 2 | $ 507,000 | $ 253,500 | $ 97,000 |
| Bergen-Passaic, NJ | 1 | $ 127,000 | $ 127,000 | $ 61,000 |
| Casper, WY | 1 | $ 220,000 | $ 220,000 | $ 84,000 |
| Decatur, IL | 1 | $ 81,000 | $ 81,000 | $ 78,000 |
| Des Moines, IA | 1 | $ 96,000 | $ 96,000 | $ 66,000 |
| Elkhart-Goshen, IN | 1 | $ 93,000 | $ 93,000 | $ 22,000 |
| Fort Collins-Loveland, CO | 1 | $ 131,000 | $ 131,000 | $ 51,000 |
| Fort Wayne, IN | 1 | $ 73,000 | $ 73,000 | $ 58,000 |
| Gainesville, FL | 1 | $ 153,000 | $ 153,000 | $ 32,000 |
| Grand Junction, CO | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Kenosha, WI | 1 | $ 106,000 | $ 106,000 | $ 53,000 |
| Omaha, NE-IA | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Pittsburgh, PA | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Rockford, IL | 1 | $ 187,000 | $ 187,000 | $ 98,000 |
| Springfield, IL | 1 | $ 114,000 | $ 114,000 | $ 59,000 |
| Worcester, MA-CT | 1 | $ 138,000 | $ 138,000 | $ 93,000 |
| York, PA | 1 | $ 123,000 | $ 123,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Homefirst Mortgage, Inc. in 2003
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 (home purchase or home improvement, one-to-four family) | 2,794 | $514,810,000 | $145,750 | $750,000 | $67,178 | $605,000 |
| Home Purchase (one-to-four family) | 47 | $10,238,000 | $172,250 | $1,000,000 | $81,000 | $356,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 2,577 | $472,045,000 | $145,392 | $750,000 | $67,607 | $605,000 |
| Information not provided by applicant in mail or telephone application | 207 | $41,967,000 | $156,222 | $1,000,000 | $63,444 | $356,000 |
| Hispanic | 26 | $5,276,000 | $220,800 | $450,000 | $73,600 | $178,000 |
| Black | 17 | $2,700,000 | $127,666 | $266,000 | $53,666 | $144,000 |
| Asian or Pacific Islander | 9 | $2,016,000 | $224,000 | $314,000 | $83,500 | $105,000 |
| Other | 3 | $773,000 | $239,500 | $412,000 | $65,000 | $98,000 |
| American Indian or Alaskan Native | 2 | $271,000 | $135,500 | $140,000 | $52,000 | $74,000 |
| 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) | 2,839 | $524,692,000 | $145,642 | $1,000,000 | $67,321 | $605,000 |
| FHA-insured (Federal Housing Administration) | 1 | $192,000 | $192,000 | $192,000 | $78,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 1 | $164,000 | $164,000 | $164,000 | $68,000 | $68,000 |
| 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 | 1,954 | $375,983,000 | $148,740 | $1,000,000 | $69,037 | $387,000 |
| Application Denied By Financial Institution | 620 | $101,869,000 | $138,000 | $650,000 | $63,952 | $605,000 |
| Application Withdrawn By Applicant | 169 | $30,723,000 | $151,210 | $532,000 | $74,631 | $556,000 |
| Application Approved But Not Accepted | 97 | $16,269,000 | $138,133 | $485,000 | $60,933 | $375,000 |
| File Closed For Incompleteness | 1 | $204,000 | $204,000 | $204,000 | $55,000 | $55,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Insufficient Cash (Downpayment, Closing Cost) | 246 | $40,052,000 | $138,650 | $629,000 | $67,400 | $365,000 |
| Collateral | 115 | $17,570,000 | $140,235 | $440,000 | $57,411 | $219,000 |
| Credit History | 114 | $19,060,000 | $152,941 | $508,000 | $63,588 | $291,000 |
| Debt-To-Income Ratio | 68 | $13,133,000 | $181,923 | $525,000 | $61,153 | $150,000 |
| Other | 42 | $7,095,000 | $152,785 | $650,000 | $66,785 | $605,000 |
| Unverifiable Information | 23 | $3,405,000 | $141,090 | $450,000 | $72,181 | $333,000 |
| Credit Application Incomplete | 4 | $469,000 | $113,333 | $172,000 | $62,666 | $87,000 |
| Employment History | 3 | $452,000 | $150,666 | $208,000 | $64,333 | $108,000 |
| Mortgage Insurance Denied | 1 | $88,000 | $88,000 | $88,000 | $58,000 | $58,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homefirst Mortgage, Inc.'s 2003 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 Homefirst 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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