1St Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
1St Financial, Inc. 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | 1St Financial, Inc. 1111 Benfield Blvd #106 Linthicum, MD 21108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2017 2016 2015 |
| Total Number of Mortgage Applications | 1,228 |
| Total Mortgage Loan Application Amount | $299,153,000 |
| Average Mortgage Loan Application Amount | $252,000 |
| Highest Mortgage Loan Application Amount | $1,264,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,800,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with 1St Financial, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing 1St Financial, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down 1St Financial, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how 1St Financial, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by 1St Financial, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at 1St Financial, Inc.'s mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Prince George's County Maryland | 107 | $ 27,193,000 | $ 254,000 | $ 84,000 |
| Fairfax County Virginia | 105 | $ 38,264,000 | $ 364,000 | $ 103,000 |
| Pinellas County Florida | 102 | $ 21,230,000 | $ 208,000 | $ 99,000 |
| Prince William County Virginia | 72 | $ 22,492,000 | $ 312,000 | $ 93,000 |
| Hillsborough County Florida | 67 | $ 13,251,000 | $ 197,000 | $ 80,000 |
| Loudoun County Virginia | 52 | $ 20,800,000 | $ 400,000 | $ 112,000 |
| Miami-Dade County Florida | 45 | $ 11,297,000 | $ 251,000 | $ 82,000 |
| Pasco County Florida | 41 | $ 7,856,000 | $ 191,000 | $ 76,000 |
| Baltimore County Maryland | 41 | $ 8,784,000 | $ 214,000 | $ 69,000 |
| Anne Arundel County Maryland | 38 | $ 9,959,000 | $ 262,000 | $ 74,000 |
| Montgomery County Maryland | 36 | $ 11,049,000 | $ 306,000 | $ 83,000 |
| Sarasota County Florida | 25 | $ 5,622,000 | $ 224,000 | $ 99,000 |
| Orange County Florida | 22 | $ 4,914,000 | $ 223,000 | $ 79,000 |
| District of Columbia County District Of Columbia | 21 | $ 7,537,000 | $ 358,000 | $ 148,000 |
| Broward County Florida | 21 | $ 4,342,000 | $ 206,000 | $ 66,000 |
| Polk County Florida | 18 | $ 2,544,000 | $ 141,000 | $ 51,000 |
| Baltimore City County Maryland | 18 | $ 2,378,000 | $ 132,000 | $ 59,000 |
| Carroll County Maryland | 14 | $ 3,851,000 | $ 275,000 | $ 91,000 |
| Manatee County Florida | 13 | $ 2,659,000 | $ 204,000 | $ 119,000 |
| Charles County Maryland | 13 | $ 3,836,000 | $ 295,000 | $ 94,000 |
| Cuyahoga County Ohio | 13 | $ 1,419,000 | $ 109,000 | $ 65,000 |
| Citrus County Florida | 12 | $ 1,431,000 | $ 119,000 | $ 63,000 |
| Howard County Maryland | 12 | $ 4,601,000 | $ 383,000 | $ 164,000 |
| Kenton County Kentucky | 11 | $ 1,485,000 | $ 135,000 | $ 62,000 |
| Oconee County South Carolina | 11 | $ 1,308,000 | $ 118,000 | $ 53,000 |
| Seminole County Florida | 10 | $ 2,232,000 | $ 223,000 | $ 107,000 |
| Stafford County Virginia | 10 | $ 3,376,000 | $ 337,000 | $ 83,000 |
| Boone County Kentucky | 9 | $ 1,492,000 | $ 165,000 | $ 70,000 |
| Arlington County Virginia | 9 | $ 1,805,000 | $ 200,000 | $ 67,000 |
| Hernando County Florida | 8 | $ 1,371,000 | $ 171,000 | $ 53,000 |
| Harford County Maryland | 8 | $ 1,229,000 | $ 153,000 | $ 47,000 |
| Palm Beach County Florida | 7 | $ 1,928,000 | $ 275,000 | $ 113,000 |
| Mecklenburg County North Carolina | 7 | $ 1,323,000 | $ 189,000 | $ 78,000 |
| Anderson County South Carolina | 7 | $ 735,000 | $ 105,000 | $ 51,000 |
| Osceola County Florida | 6 | $ 1,172,000 | $ 195,000 | $ 110,000 |
| Manassas County Virginia | 6 | $ 1,971,000 | $ 328,000 | $ 107,000 |
| Collier County Florida | 5 | $ 1,096,000 | $ 219,000 | $ 79,000 |
| Hamilton County Ohio | 5 | $ 606,000 | $ 121,000 | $ 45,000 |
| Lake County Ohio | 5 | $ 707,000 | $ 141,000 | $ 104,000 |
| Laurens County South Carolina | 5 | $ 535,000 | $ 107,000 | $ 52,000 |
| Alexandria County Virginia | 5 | $ 1,295,000 | $ 259,000 | $ 87,000 |
| Culpeper County Virginia | 5 | $ 1,280,000 | $ 256,000 | $ 72,000 |
| Frederick County Virginia | 5 | $ 1,239,000 | $ 247,000 | $ 70,000 |
| Charlotte County Florida | 4 | $ 438,000 | $ 109,000 | $ 32,000 |
| Lee County Florida | 4 | $ 777,000 | $ 194,000 | $ 74,000 |
| Calvert County Maryland | 4 | $ 786,000 | $ 196,000 | $ 57,000 |
| Frederick County Maryland | 4 | $ 2,099,000 | $ 524,000 | $ 214,000 |
| Queen Anne's County Maryland | 4 | $ 1,259,000 | $ 314,000 | $ 106,000 |
| Washington County Maryland | 4 | $ 813,000 | $ 203,000 | $ 125,000 |
| Wicomico County Maryland | 4 | $ 619,000 | $ 154,000 | $ 56,000 |
| Gaston County North Carolina | 4 | $ 325,000 | $ 81,000 | $ 42,000 |
| Portage County Ohio | 4 | $ 451,000 | $ 112,000 | $ 73,000 |
| Aiken County South Carolina | 4 | $ 456,000 | $ 114,000 | $ 47,000 |
| Davidson County Tennessee | 4 | $ 462,000 | $ 115,000 | $ 45,000 |
| Robertson County Tennessee | 4 | $ 545,000 | $ 136,000 | $ 54,000 |
| Chesapeake County Virginia | 4 | $ 1,102,000 | $ 275,000 | $ 83,000 |
| Alachua County Florida | 3 | $ 399,000 | $ 133,000 | $ 67,000 |
| Lake County Florida | 3 | $ 884,000 | $ 294,000 | $ 70,000 |
| Campbell County Kentucky | 3 | $ 407,000 | $ 135,000 | $ 55,000 |
| Cecil County Maryland | 3 | $ 801,000 | $ 267,000 | $ 60,000 |
| Lincoln County North Carolina | 3 | $ 265,000 | $ 88,000 | $ 36,000 |
| Summit County Ohio | 3 | $ 566,000 | $ 188,000 | $ 72,000 |
| Florence County South Carolina | 3 | $ 356,000 | $ 118,000 | $ 46,000 |
| Dickson County Tennessee | 3 | $ 1,266,000 | $ 422,000 | $ 135,000 |
| King George County Virginia | 3 | $ 982,000 | $ 327,000 | $ 109,000 |
| Warren County Virginia | 3 | $ 367,000 | $ 122,000 | $ 45,000 |
| Monroe County Florida | 2 | $ 675,000 | $ 337,000 | $ 179,000 |
| Mason County Kentucky | 2 | $ 218,000 | $ 109,000 | $ 42,000 |
| Cumberland County North Carolina | 2 | $ 312,000 | $ 156,000 | $ 47,000 |
| Iredell County North Carolina | 2 | $ 285,000 | $ 142,000 | $ 28,000 |
| Richmond County North Carolina | 2 | $ 211,000 | $ 105,000 | $ 28,000 |
| Scotland County North Carolina | 2 | $ 194,000 | $ 97,000 | $ 41,000 |
| Clermont County Ohio | 2 | $ 450,000 | $ 225,000 | $ 70,000 |
| Geauga County Ohio | 2 | $ 319,000 | $ 159,000 | $ 90,000 |
| Warren County Ohio | 2 | $ 677,000 | $ 338,000 | $ 78,000 |
| York County Pennsylvania | 2 | $ 373,000 | $ 186,000 | $ 52,000 |
| Greenville County South Carolina | 2 | $ 153,000 | $ 76,000 | $ 35,000 |
| Lexington County South Carolina | 2 | $ 274,000 | $ 137,000 | $ 49,000 |
| Shelby County Tennessee | 2 | $ 264,000 | $ 132,000 | $ 50,000 |
| Williamson County Tennessee | 2 | $ 832,000 | $ 416,000 | $ 178,000 |
| Wilson County Tennessee | 2 | $ 381,000 | $ 190,000 | $ 91,000 |
| Fairfax City County Virginia | 2 | $ 909,000 | $ 454,000 | $ 260,000 |
| Richmond City County Virginia | 2 | $ 551,000 | $ 275,000 | $ 223,000 |
| Spotsylvania County Virginia | 2 | $ 609,000 | $ 304,000 | $ 108,000 |
| Virginia Beach County Virginia | 2 | $ 663,000 | $ 331,000 | $ 230,000 |
| Sussex County Delaware | 1 | $ 160,000 | $ 160,000 | $ 181,000 |
| Brevard County Florida | 1 | $ 325,000 | $ 325,000 | $ 167,000 |
| DeSoto County Florida | 1 | $ 236,000 | $ 236,000 | $ 90,000 |
| Escambia County Florida | 1 | $ 87,000 | $ 87,000 | $ 78,000 |
| Okaloosa County Florida | 1 | $ 176,000 | $ 176,000 | $ 113,000 |
| St. Johns County Florida | 1 | $ 124,000 | $ 124,000 | $ 96,000 |
| Volusia County Florida | 1 | $ 69,000 | $ 69,000 | $ 30,000 |
| Anderson County Kentucky | 1 | $ 196,000 | $ 196,000 | $ 117,000 |
| Bracken County Kentucky | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Montgomery County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 48,000 |
| Robertson County Kentucky | 1 | $ 96,000 | $ 96,000 | $ 50,000 |
| Scott County Kentucky | 1 | $ 316,000 | $ 316,000 | $ 86,000 |
| Buncombe County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 84,000 |
| Caldwell County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 38,000 |
| Columbus County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 75,000 |
| Dare County North Carolina | 1 | $ 338,000 | $ 338,000 | $ 642,000 |
| Harnett County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| McDowell County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 68,000 |
| Northampton County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Rutherford County North Carolina | 1 | $ 177,000 | $ 177,000 | $ 68,000 |
| Union County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 43,000 |
| Butler County Ohio | 1 | $ 129,000 | $ 129,000 | $ 48,000 |
| Clinton County Ohio | 1 | $ 86,000 | $ 86,000 | $ 60,000 |
| Franklin County Ohio | 1 | $ 101,000 | $ 101,000 | $ 77,000 |
| Greene County Ohio | 1 | $ 207,000 | $ 207,000 | $ 70,000 |
| Highland County Ohio | 1 | $ 97,000 | $ 97,000 | $ 77,000 |
| Mahoning County Ohio | 1 | $ 86,000 | $ 86,000 | $ 66,000 |
| Medina County Ohio | 1 | $ 108,000 | $ 108,000 | $ 35,000 |
| Montgomery County Ohio | 1 | $ 70,000 | $ 70,000 | $ 102,000 |
| Chester County Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 55,000 |
| Abbeville County South Carolina | 1 | $ 88,000 | $ 88,000 | $ 24,000 |
| Beaufort County South Carolina | 1 | $ 127,000 | $ 127,000 | $ 30,000 |
| Chesterfield County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Darlington County South Carolina | 1 | $ 180,000 | $ 180,000 | $ 59,000 |
| Greenwood County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 25,000 |
| Newberry County South Carolina | 1 | $ 108,000 | $ 108,000 | $ 33,000 |
| Pickens County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| York County South Carolina | 1 | $ 414,000 | $ 414,000 | $ 64,000 |
| Gibson County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| McMinn County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| McNairy County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Sumner County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 23,000 |
| Albemarle County Virginia | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Caroline County Virginia | 1 | $ 196,000 | $ 196,000 | $ 45,000 |
| Chesterfield County Virginia | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Clarke County Virginia | 1 | $ 328,000 | $ 328,000 | $ 74,000 |
| Falls Church County Virginia | 1 | $ 242,000 | $ 242,000 | $ 94,000 |
| Fredericksburg County Virginia | 1 | $ 57,000 | $ 57,000 | $ 480,000 |
| Greensville County Virginia | 1 | $ 98,000 | $ 98,000 | $ 130,000 |
| Henrico County Virginia | 1 | $ 218,000 | $ 218,000 | $ 171,000 |
| Manassas Park County Virginia | 1 | $ 264,000 | $ 264,000 | $ 67,000 |
| Orange County Virginia | 1 | $ 167,000 | $ 167,000 | $ 35,000 |
| Pulaski County Virginia | 1 | $ 93,000 | $ 93,000 | $ 114,000 |
| Radford County Virginia | 1 | $ 158,000 | $ 158,000 | $ 1,800,000 |
| Shenandoah County Virginia | 1 | $ 157,000 | $ 157,000 | $ 136,000 |
| Winchester County Virginia | 1 | $ 124,000 | $ 124,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for 1St Financial, Inc. in 2016
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 | 910 | $212,897,000 | $233,000 | $1,264,000 | $84,000 | $743,000 |
| Refinancing | 318 | $86,256,000 | $271,000 | $840,000 | $102,000 | $1,800,000 |
| 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 | 545 | $125,729,000 | $230,000 | $945,000 | $97,000 | $1,800,000 |
| Hispanic | 325 | $78,000,000 | $240,000 | $1,264,000 | $70,000 | $666,000 |
| Black or African American | 182 | $43,626,000 | $239,000 | $702,000 | $84,000 | $360,000 |
| Not Provided | 97 | $26,652,000 | $274,000 | $744,000 | $100,000 | $359,000 |
| Asian | 61 | $21,011,000 | $344,000 | $626,000 | $109,000 | $480,000 |
| American Indian or Alaskan Native | 10 | $2,680,000 | $268,000 | $509,000 | $93,000 | $148,000 |
| Native Hawaiin or Other Pacific Islander | 8 | $1,455,000 | $181,000 | $390,000 | $56,000 | $131,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 604 | $132,837,000 | $219,000 | $636,000 | $71,000 | $1,800,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 501 | $132,303,000 | $264,000 | $1,264,000 | $109,000 | $666,000 |
| VA-guaranteed (Veterans Administration) | 101 | $30,019,000 | $297,000 | $945,000 | $98,000 | $426,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $3,994,000 | $181,000 | $328,000 | $60,000 | $85,000 |
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 | 672 | $162,141,000 | $241,000 | $816,000 | $88,000 | $642,000 |
| Application Withdrawn By Applicant | 508 | $126,561,000 | $249,000 | $1,264,000 | $92,000 | $1,800,000 |
| Application Denied By Financial Institution | 47 | $10,199,000 | $217,000 | $702,000 | $70,000 | $339,000 |
| Application Approved But Not Accepted | 1 | $252,000 | $252,000 | $252,000 | $76,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Employment History | 2 | $462,000 | $231,000 | $290,000 | $46,000 | $55,000 |
| Other | 2 | $185,000 | $92,000 | $122,000 | $30,000 | $31,000 |
| Credit History | 1 | $236,000 | $236,000 | $236,000 | $63,000 | $63,000 |
| Debt-To-Income Ratio | 1 | $295,000 | $295,000 | $295,000 | $69,000 | $69,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 1St Financial, Inc.'s 2016 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 1St Financial, 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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.