Service First Mortgage, L.C. Mortgage Lending & HMDA Data, 2004
In 2004, Service First Mortgage, L.C. of Coconut Creek, FL reported 1,238 mortgage applications totaling $172.6 million, down 61% from 2003. The average application was for $139,395, and applicants reported an average income of $61,950. 37% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (176), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (143) and Miami-Miami Beach-Kendall, FL (73) (applications in parentheses).
| Mortgage Company & Address | Service First Mortgage, L.C. 4171 W. Hillsboro Blvd. Ste 10 Coconut Creek, FL 33073 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 1,238 |
| Total Mortgage Loan Application Amount | $172,572,000 |
| Average Mortgage Loan Application Amount | $139,395 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $61,950 |
| Highest Applicant Income | $684,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Service First Mortgage, L.C. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 176 | $ 24,803,000 | $ 140,926 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 143 | $ 24,940,000 | $ 174,405 | $ 86,000 |
| Miami-Miami Beach-Kendall, FL | 73 | $ 10,482,000 | $ 143,589 | $ 76,000 |
| Baltimore-Towson, MD | 57 | $ 8,377,000 | $ 146,964 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 45 | $ 5,285,000 | $ 117,444 | $ 51,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 45 | $ 9,910,000 | $ 220,222 | $ 84,000 |
| Orlando, FL | 42 | $ 4,927,000 | $ 117,309 | $ 67,000 |
| St. Louis, MO-IL | 36 | $ 3,480,000 | $ 96,666 | $ 45,000 |
| Hartford-West Hartford-East Hartford, CT | 34 | $ 6,224,000 | $ 183,058 | $ 71,000 |
| Jacksonville, FL | 31 | $ 3,551,000 | $ 114,548 | $ 44,000 |
| Indianapolis, IN | 27 | $ 2,930,000 | $ 108,518 | $ 52,000 |
| Palm Bay-Melbourne-Titusville, FL | 19 | $ 2,022,000 | $ 106,421 | $ 49,000 |
| Salisbury, MD | 19 | $ 2,626,000 | $ 138,210 | $ 48,000 |
| Bethesda-Frederick-Gaithersburg, MD | 15 | $ 3,521,000 | $ 234,733 | $ 80,000 |
| Memphis, TN-MS-AR | 14 | $ 1,411,000 | $ 100,785 | $ 50,000 |
| Lafayette, IN | 13 | $ 1,405,000 | $ 108,076 | $ 43,000 |
| Owensboro, KY | 12 | $ 816,000 | $ 68,000 | $ 47,000 |
| Nashville-Davidson--Murfreesboro, TN | 9 | $ 1,111,000 | $ 123,444 | $ 38,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 722,000 | $ 90,250 | $ 65,000 |
| Kansas City, MO-KS | 8 | $ 1,014,000 | $ 126,750 | $ 58,000 |
| Oklahoma City, OK | 8 | $ 528,000 | $ 66,000 | $ 46,000 |
| Port St. Lucie-Fort Pierce, FL | 8 | $ 756,000 | $ 94,500 | $ 48,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 962,000 | $ 137,428 | $ 73,000 |
| Gary, IN | 7 | $ 456,000 | $ 65,142 | $ 38,000 |
| Lakeland, FL | 7 | $ 1,067,000 | $ 152,428 | $ 122,000 |
| Naples-Marco Island, FL | 7 | $ 1,070,000 | $ 152,857 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 843,000 | $ 120,428 | $ 54,000 |
| Charlotte-Gastonia-Concord, NC-SC | 6 | $ 778,000 | $ 129,666 | $ 53,000 |
| Chattanooga, TN-GA | 6 | $ 412,000 | $ 68,666 | $ 34,000 |
| Columbus, GA-AL | 6 | $ 677,000 | $ 112,833 | $ 54,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 779,000 | $ 129,833 | $ 46,000 |
| New Haven-Milford, CT | 6 | $ 904,000 | $ 150,666 | $ 63,000 |
| Savannah, GA | 6 | $ 777,000 | $ 129,500 | $ 46,000 |
| Albuquerque, NM | 5 | $ 428,000 | $ 85,600 | $ 53,000 |
| Kokomo, IN | 5 | $ 310,000 | $ 62,000 | $ 38,000 |
| Macon, GA | 5 | $ 524,000 | $ 104,800 | $ 51,000 |
| Denver-Aurora, CO | 4 | $ 644,000 | $ 161,000 | $ 62,000 |
| Ocala, FL | 4 | $ 468,000 | $ 117,000 | $ 48,000 |
| Tulsa, OK | 4 | $ 253,000 | $ 63,250 | $ 59,000 |
| Valdosta, GA | 4 | $ 359,000 | $ 89,750 | $ 41,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 918,000 | $ 306,000 | $ 172,000 |
| Durham, NC | 3 | $ 271,000 | $ 90,333 | $ 46,000 |
| Elkhart-Goshen, IN | 3 | $ 322,000 | $ 107,333 | $ 70,000 |
| Fort Wayne, IN | 3 | $ 480,000 | $ 160,000 | $ 48,000 |
| Johnson City, TN | 3 | $ 278,000 | $ 92,666 | $ 46,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 221,000 | $ 73,666 | $ 35,000 |
| Knoxville, TN | 3 | $ 222,000 | $ 74,000 | $ 48,000 |
| Lexington-Fayette, KY | 3 | $ 479,000 | $ 159,666 | $ 60,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 316,000 | $ 105,333 | $ 38,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 288,000 | $ 96,000 | $ 38,000 |
| Raleigh-Cary, NC | 3 | $ 321,000 | $ 107,000 | $ 62,000 |
| Springfield, MO | 3 | $ 167,000 | $ 55,666 | $ 23,000 |
| Warner Robins, GA | 3 | $ 457,000 | $ 152,333 | $ 77,000 |
| Anderson, IN | 2 | $ 229,000 | $ 114,500 | $ 34,000 |
| Gainesville, GA | 2 | $ 580,000 | $ 290,000 | $ 86,000 |
| Greeley, CO | 2 | $ 377,000 | $ 188,500 | $ 67,000 |
| Jefferson City, MO | 2 | $ 162,000 | $ 81,000 | $ 33,000 |
| Louisville, KY-IN | 2 | $ 85,000 | $ 42,500 | $ 32,000 |
| Michigan City-La Porte, IN | 2 | $ 108,000 | $ 54,000 | $ 63,000 |
| Panama City-Lynn Haven, FL | 2 | $ 264,000 | $ 132,000 | $ 337,000 |
| Punta Gorda, FL | 2 | $ 247,000 | $ 123,500 | $ 32,000 |
| Richmond, VA | 2 | $ 199,000 | $ 99,500 | $ 36,000 |
| Santa Fe, NM | 2 | $ 327,000 | $ 163,500 | $ 72,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 350,000 | $ 175,000 | $ 76,000 |
| Spartanburg, SC | 2 | $ 130,000 | $ 65,000 | $ 41,000 |
| St. Joseph, MO-KS | 2 | $ 126,000 | $ 63,000 | $ 38,000 |
| Athens-Clarke County, GA | 1 | $ 66,000 | $ 66,000 | $ 59,000 |
| Bowling Green, KY | 1 | $ 56,000 | $ 56,000 | $ 40,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Colorado Springs, CO | 1 | $ 94,000 | $ 94,000 | $ 24,000 |
| Columbia, SC | 1 | $ 83,000 | $ 83,000 | $ 29,000 |
| Cumberland, MD-WV | 1 | $ 73,000 | $ 73,000 | $ 51,000 |
| Danville, VA | 1 | $ 94,000 | $ 94,000 | $ 67,000 |
| Evansville, IN-KY | 1 | $ 109,000 | $ 109,000 | $ 27,000 |
| Fort Smith, AR-OK | 1 | $ 66,000 | $ 66,000 | $ 21,000 |
| Gainesville, FL | 1 | $ 315,000 | $ 315,000 | $ 188,000 |
| Grand Junction, CO | 1 | $ 238,000 | $ 238,000 | $ 114,000 |
| Greenville, SC | 1 | $ 50,000 | $ 50,000 | $ 39,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 266,000 | $ 266,000 | $ 102,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 68,000 | $ 68,000 | $ 41,000 |
| Hot Springs, AR | 1 | $ 44,000 | $ 44,000 | $ 47,000 |
| Lawton, OK | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Muncie, IN | 1 | $ 99,000 | $ 99,000 | $ 44,000 |
| Tallahassee, FL | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Vero Beach, FL | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| Wilmington, NC | 1 | $ 138,000 | $ 138,000 | $ 43,000 |
| Winchester, VA-WV | 1 | $ 240,000 | $ 240,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Service First Mortgage, L.C. 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 |
|---|---|---|---|---|---|---|
| Refinancing | 637 | $92,870,000 | $122,941 | $2,000,000 | $59,058 | $684,000 |
| Home Purchase | 601 | $79,702,000 | $123,700 | $567,000 | $55,150 | $408,000 |
| 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 | 600 | $84,493,000 | $132,333 | $2,000,000 | $61,722 | $684,000 |
| Black or African American | 438 | $59,531,000 | $125,533 | $560,000 | $51,133 | $196,000 |
| Hispanic | 142 | $19,252,000 | $127,272 | $360,000 | $52,818 | $177,000 |
| Not Provided | 30 | $4,249,000 | $116,666 | $387,000 | $53,250 | $192,000 |
| Asian | 13 | $2,652,000 | $187,142 | $557,000 | $87,714 | $202,000 |
| American Indian or Alaskan Native | 10 | $1,520,000 | $122,750 | $442,000 | $47,500 | $276,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $545,000 | $160,000 | $300,000 | $57,500 | $69,000 |
| Not applicable | 2 | $330,000 | $165,000 | $168,000 | $53,000 | $73,000 |
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) | 1,238 | $172,572,000 | $125,750 | $2,000,000 | $58,750 | $684,000 |
| 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 | 460 | $65,023,000 | $135,611 | $500,000 | $56,166 | $684,000 |
| Application Approved But Not Accepted | 314 | $41,858,000 | $125,312 | $567,000 | $61,187 | $300,000 |
| Application Withdrawn By Applicant | 234 | $34,681,000 | $125,333 | $2,000,000 | $58,400 | $684,000 |
| Application Denied By Financial Institution | 221 | $29,852,000 | $122,764 | $500,000 | $56,588 | $441,000 |
| File Closed For Incompleteness | 9 | $1,158,000 | $136,000 | $200,000 | $27,750 | $56,000 |
| 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 | 156 | $20,965,000 | $126,125 | $500,000 | $57,125 | $200,000 |
| Collateral | 25 | $3,796,000 | $127,375 | $385,000 | $76,375 | $441,000 |
| Debt-To-Income Ratio | 15 | $1,917,000 | $141,714 | $275,000 | $33,285 | $54,000 |
| Credit History | 14 | $1,927,000 | $121,142 | $360,000 | $50,857 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $658,000 | $106,000 | $202,000 | $53,750 | $83,000 |
| Employment History | 4 | $509,000 | $136,333 | $160,000 | $58,000 | $87,000 |
| Credit Application Incomplete | 1 | $80,000 | $80,000 | $80,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Service First Mortgage, L.C.'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 Service First Mortgage, L.C.'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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