Service 1st Mortgage, Inc. Mortgage Lending & HMDA Data, 2009
In 2009, Service 1st Mortgage, Inc. of Glen Burnie, MD reported 678 mortgage applications totaling $132.4 million, up 107% from 2008. The average application was for $195,241, and applicants reported an average income of $0. 0% of its applications resulted in an originated loan and 53% were denied. Its largest markets were Charlotte-Gastonia-Concord, NC-SC (75), Virginia Beach-Norfolk-Newport News, VA-NC (54) and Washington-Arlington-Alexandria, DC-VA-MD-WV (50) (applications in parentheses).
| Mortgage Company & Address | Service 1st Mortgage, Inc. 1415 Madison Park Drive Glen Burnie, MD 21061 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 678 |
| Total Mortgage Loan Application Amount | $132,374,000 |
| Average Mortgage Loan Application Amount | $195,241 |
| Highest Mortgage Loan Application Amount | $2,639,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $142,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Service 1st Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mecklenburg, North Carolina | 49 | $ 7,627,000 | $ 155,653 | $ 0 |
| Wake, North Carolina | 22 | $ 3,555,000 | $ 161,590 | $ 0 |
| Prince George's, Maryland | 19 | $ 8,878,000 | $ 467,263 | $ 5,000 |
| Baltimore, Maryland | 17 | $ 3,817,000 | $ 224,529 | $ 0 |
| Guilford, North Carolina | 16 | $ 2,238,000 | $ 139,875 | $ 0 |
| Virginia Beach, Virginia | 14 | $ 3,433,000 | $ 245,214 | $ 0 |
| Duval, Florida | 13 | $ 2,516,000 | $ 193,538 | $ 0 |
| Anne Arundel, Maryland | 12 | $ 3,437,000 | $ 286,416 | $ 0 |
| Cabarrus, North Carolina | 12 | $ 1,867,000 | $ 155,583 | $ 0 |
| Cumberland, North Carolina | 12 | $ 1,732,000 | $ 144,333 | $ 0 |
| Baltimore City, Maryland | 11 | $ 1,662,000 | $ 151,090 | $ 0 |
| Chesapeake, Virginia | 10 | $ 2,094,000 | $ 209,400 | $ 0 |
| Durham, North Carolina | 9 | $ 1,724,000 | $ 191,555 | $ 0 |
| Randolph, North Carolina | 9 | $ 1,070,000 | $ 118,888 | $ 0 |
| York, Pennsylvania | 9 | $ 1,470,000 | $ 163,333 | $ 0 |
| Newport News, Virginia | 9 | $ 1,714,000 | $ 190,444 | $ 0 |
| Fulton, Georgia | 8 | $ 1,245,000 | $ 155,625 | $ 0 |
| Onslow, North Carolina | 8 | $ 1,316,000 | $ 164,500 | $ 0 |
| Union, North Carolina | 8 | $ 1,376,000 | $ 172,000 | $ 0 |
| Norfolk, Virginia | 8 | $ 1,446,000 | $ 180,750 | $ 0 |
| Hillsborough, Florida | 7 | $ 1,405,000 | $ 200,714 | $ 0 |
| Alamance, North Carolina | 7 | $ 1,057,000 | $ 151,000 | $ 0 |
| New Hanover, North Carolina | 7 | $ 1,363,000 | $ 194,714 | $ 0 |
| Prince William, Virginia | 7 | $ 1,588,000 | $ 226,857 | $ 0 |
| DeKalb, Georgia | 6 | $ 1,165,000 | $ 194,166 | $ 0 |
| Gwinnett, Georgia | 6 | $ 1,090,000 | $ 181,666 | $ 0 |
| Buncombe, North Carolina | 6 | $ 919,000 | $ 153,166 | $ 0 |
| Forsyth, North Carolina | 6 | $ 1,011,000 | $ 168,500 | $ 0 |
| Gaston, North Carolina | 6 | $ 849,000 | $ 141,500 | $ 0 |
| Johnston, North Carolina | 6 | $ 911,000 | $ 151,833 | $ 0 |
| Nash, North Carolina | 6 | $ 820,000 | $ 136,666 | $ 0 |
| Henry, Georgia | 5 | $ 1,159,000 | $ 231,800 | $ 0 |
| Newton, Georgia | 5 | $ 1,024,000 | $ 204,800 | $ 0 |
| Allegheny, Pennsylvania | 5 | $ 607,000 | $ 121,400 | $ 0 |
| Philadelphia, Pennsylvania | 5 | $ 1,128,000 | $ 225,600 | $ 0 |
| Henrico, Virginia | 5 | $ 869,000 | $ 173,800 | $ 0 |
| Spotsylvania, Virginia | 5 | $ 1,267,000 | $ 253,400 | $ 0 |
| Stafford, Virginia | 5 | $ 1,860,000 | $ 372,000 | $ 0 |
| San Diego, California | 4 | $ 1,113,000 | $ 278,250 | $ 0 |
| Okaloosa, Florida | 4 | $ 549,000 | $ 137,250 | $ 35,000 |
| Douglas, Georgia | 4 | $ 543,000 | $ 135,750 | $ 0 |
| Montgomery, Maryland | 4 | $ 1,215,000 | $ 303,750 | $ 0 |
| St. Mary's, Maryland | 4 | $ 1,216,000 | $ 304,000 | $ 0 |
| Dauphin, Pennsylvania | 4 | $ 683,000 | $ 170,750 | $ 0 |
| Delaware, Pennsylvania | 4 | $ 574,000 | $ 143,500 | $ 0 |
| Chesterfield, Virginia | 4 | $ 837,000 | $ 209,250 | $ 0 |
| Fairfax, Virginia | 4 | $ 1,185,000 | $ 296,250 | $ 0 |
| Louisa, Virginia | 4 | $ 599,000 | $ 149,750 | $ 0 |
| York, Virginia | 4 | $ 755,000 | $ 188,750 | $ 0 |
| Riverside, California | 3 | $ 947,000 | $ 315,666 | $ 0 |
| Bay, Florida | 3 | $ 549,000 | $ 183,000 | $ 0 |
| Hernando, Florida | 3 | $ 487,000 | $ 162,333 | $ 0 |
| Lake, Florida | 3 | $ 509,000 | $ 169,666 | $ 0 |
| Santa Rosa, Florida | 3 | $ 474,000 | $ 158,000 | $ 0 |
| Seminole, Florida | 3 | $ 865,000 | $ 288,333 | $ 0 |
| Bartow, Georgia | 3 | $ 426,000 | $ 142,000 | $ 0 |
| Chatham, Georgia | 3 | $ 577,000 | $ 192,333 | $ 0 |
| Charles, Maryland | 3 | $ 869,000 | $ 289,666 | $ 0 |
| Frederick, Maryland | 3 | $ 731,000 | $ 243,666 | $ 38,000 |
| Harford, Maryland | 3 | $ 609,000 | $ 203,000 | $ 0 |
| Macomb, Michigan | 3 | $ 519,000 | $ 173,000 | $ 0 |
| Bernalillo, New Mexico | 3 | $ 497,000 | $ 165,666 | $ 0 |
| Dona Ana, New Mexico | 3 | $ 524,000 | $ 174,666 | $ 0 |
| Carteret, North Carolina | 3 | $ 446,000 | $ 148,666 | $ 0 |
| Catawba, North Carolina | 3 | $ 333,000 | $ 111,000 | $ 0 |
| Craven, North Carolina | 3 | $ 477,000 | $ 159,000 | $ 0 |
| Currituck, North Carolina | 3 | $ 449,000 | $ 149,666 | $ 0 |
| Franklin, North Carolina | 3 | $ 356,000 | $ 118,666 | $ 0 |
| Pender, North Carolina | 3 | $ 574,000 | $ 191,333 | $ 0 |
| Rowan, North Carolina | 3 | $ 501,000 | $ 167,000 | $ 0 |
| Rutherford, North Carolina | 3 | $ 601,000 | $ 200,333 | $ 0 |
| Monroe, Pennsylvania | 3 | $ 931,000 | $ 310,333 | $ 0 |
| Westmoreland, Pennsylvania | 3 | $ 382,000 | $ 127,333 | $ 0 |
| Frederick, Virginia | 3 | $ 663,000 | $ 221,000 | $ 0 |
| Hanover, Virginia | 3 | $ 818,000 | $ 272,666 | $ 0 |
| Portsmouth, Virginia | 3 | $ 498,000 | $ 166,000 | $ 0 |
| Richmond City, Virginia | 3 | $ 427,000 | $ 142,333 | $ 0 |
| Kern, California | 2 | $ 361,000 | $ 180,500 | $ 0 |
| Brevard, Florida | 2 | $ 295,000 | $ 147,500 | $ 0 |
| Escambia, Florida | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Lee, Florida | 2 | $ 412,000 | $ 206,000 | $ 0 |
| Nassau, Florida | 2 | $ 407,000 | $ 203,500 | $ 0 |
| Orange, Florida | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Pasco, Florida | 2 | $ 341,000 | $ 170,500 | $ 0 |
| St. Johns, Florida | 2 | $ 490,000 | $ 245,000 | $ 0 |
| St. Lucie, Florida | 2 | $ 386,000 | $ 193,000 | $ 0 |
| Walton, Florida | 2 | $ 375,000 | $ 187,500 | $ 0 |
| Bibb, Georgia | 2 | $ 452,000 | $ 226,000 | $ 0 |
| Cobb, Georgia | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Dougherty, Georgia | 2 | $ 245,000 | $ 122,500 | $ 0 |
| Gordon, Georgia | 2 | $ 285,000 | $ 142,500 | $ 0 |
| White, Georgia | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Allegany, Maryland | 2 | $ 271,000 | $ 135,500 | $ 0 |
| Caroline, Maryland | 2 | $ 464,000 | $ 232,000 | $ 0 |
| Cecil, Maryland | 2 | $ 365,000 | $ 182,500 | $ 0 |
| Howard, Maryland | 2 | $ 564,000 | $ 282,000 | $ 0 |
| Queen Anne's, Maryland | 2 | $ 695,000 | $ 347,500 | $ 29,000 |
| Washington, Maryland | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Ingham, Michigan | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Ottawa, Michigan | 2 | $ 391,000 | $ 195,500 | $ 0 |
| Saginaw, Michigan | 2 | $ 214,000 | $ 107,000 | $ 0 |
| Gates, North Carolina | 2 | $ 286,000 | $ 143,000 | $ 0 |
| Harnett, North Carolina | 2 | $ 318,000 | $ 159,000 | $ 0 |
| Haywood, North Carolina | 2 | $ 332,000 | $ 166,000 | $ 0 |
| Hoke, North Carolina | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Iredell, North Carolina | 2 | $ 261,000 | $ 130,500 | $ 0 |
| Moore, North Carolina | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Rockingham, North Carolina | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Wayne, North Carolina | 2 | $ 284,000 | $ 142,000 | $ 0 |
| Berks, Pennsylvania | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Lancaster, Pennsylvania | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Montgomery, Pennsylvania | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Northampton, Pennsylvania | 2 | $ 286,000 | $ 143,000 | $ 0 |
| Washington, Pennsylvania | 2 | $ 828,000 | $ 414,000 | $ 0 |
| Caroline, Virginia | 2 | $ 505,000 | $ 252,500 | $ 0 |
| Hampton, Virginia | 2 | $ 274,000 | $ 137,000 | $ 0 |
| Loudoun, Virginia | 2 | $ 845,000 | $ 422,500 | $ 0 |
| Orange, Virginia | 2 | $ 594,000 | $ 297,000 | $ 0 |
| Alameda, California | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Contra Costa, California | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Fresno, California | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Los Angeles, California | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Monterey, California | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Stanislaus, California | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Tulare, California | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Ventura, California | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Yuba, California | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Adams, Colorado | 1 | $ 319,000 | $ 319,000 | $ 11,000 |
| Las Animas, Colorado | 1 | $ 117,000 | $ 117,000 | $ 0 |
| New Castle, Delaware | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Alachua, Florida | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Charlotte, Florida | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Clay, Florida | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Highlands, Florida | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Leon, Florida | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Marion, Florida | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Monroe, Florida | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Okeechobee, Florida | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Osceola, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Sarasota, Florida | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Volusia, Florida | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Barrow, Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Burke, Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Butts, Georgia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Camden, Georgia | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Clarke, Georgia | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Clayton, Georgia | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Fannin, Georgia | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Floyd, Georgia | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Hall, Georgia | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Jackson, Georgia | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Lowndes, Georgia | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Murray, Georgia | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Muscogee, Georgia | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Richmond, Georgia | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Rockdale, Georgia | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Union, Georgia | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Walton, Georgia | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Cook, Illinois | 1 | $ 301,000 | $ 301,000 | $ 0 |
| McLean, Illinois | 1 | $ 104,000 | $ 104,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Vermilion, Illinois | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Calvert, Maryland | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Carroll, Maryland | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Dorchester, Maryland | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Allegan, Michigan | 1 | $ 133,000 | $ 133,000 | $ 37,000 |
| Berrien, Michigan | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Cass, Michigan | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Eaton, Michigan | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Kent, Michigan | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Montcalm, Michigan | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Shiawassee, Michigan | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Otero, New Mexico | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 309,000 | $ 309,000 | $ 0 |
| Alexander, North Carolina | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Bertie, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Chatham, North Carolina | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Cherokee, North Carolina | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Cleveland, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Edgecombe, North Carolina | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Henderson, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Jones, North Carolina | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Lincoln, North Carolina | 1 | $ 111,000 | $ 111,000 | $ 0 |
| McDowell, North Carolina | 1 | $ 213,000 | $ 213,000 | $ 48,000 |
| Orange, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Stokes, North Carolina | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Vance, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Wilkes, North Carolina | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Wilson, North Carolina | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Erie, Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Lycoming, Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Perry, Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Arlington, Virginia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Danville, Virginia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Fauquier, Virginia | 1 | $ 301,000 | $ 301,000 | $ 0 |
| King George, Virginia | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Warren, Virginia | 1 | $ 164,000 | $ 164,000 | $ 0 |
Mortgage Loan Application Detail Totals for Service 1st Mortgage, Inc. in 2009
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 | 678 | $132,374,000 | $195,000 | $2,639,000 | $0 | $142,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Purchase | 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 | 350 | $65,728,000 | $187,000 | $521,000 | $1,000 | $142,000 |
| Black or African American | 250 | $51,414,000 | $205,000 | $2,639,000 | $0 | $95,000 |
| Hispanic | 41 | $7,415,000 | $180,000 | $429,000 | $0 | $0 |
| Not Provided | 23 | $4,632,000 | $201,000 | $406,000 | $0 | $0 |
| Asian | 6 | $1,681,000 | $280,000 | $399,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $827,000 | $165,000 | $214,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $677,000 | $225,000 | $360,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 436 | $81,810,000 | $187,000 | $2,639,000 | $0 | $95,000 |
| VA-guaranteed (Veterans Administration) | 242 | $50,564,000 | $208,000 | $521,000 | $1,000 | $142,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 357 | $65,541,000 | $183,000 | $730,000 | $1,000 | $142,000 |
| Application Withdrawn By Applicant | 320 | $66,699,000 | $208,000 | $2,639,000 | $0 | $95,000 |
| File Closed For Incompleteness | 1 | $134,000 | $134,000 | $134,000 | $0 | $0 |
| Loan Originated | 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 |
| Application Approved But Not Accepted | 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 | 169 | $31,271,000 | $185,000 | $730,000 | $1,000 | $142,000 |
| Credit History | 140 | $26,066,000 | $186,000 | $482,000 | $0 | $58,000 |
| Employment History | 4 | $560,000 | $140,000 | $230,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $219,000 | $219,000 | $219,000 | $0 | $0 |
| Mortgage Insurance Denied | 1 | $108,000 | $108,000 | $108,000 | $0 | $0 |
| Unverifiable Information | 1 | $188,000 | $188,000 | $188,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $298,000 | $298,000 | $298,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Service 1st Mortgage, Inc.'s 2009 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 Service 1st 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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