1st Financial, Inc. Mortgage Lending & HMDA Data, 2017
In 2017, 1st Financial, Inc. of Millersville, MD reported 1,738 mortgage applications totaling $402.6 million, up 42% from 2016. The average application was for $231,639, and applicants reported an average income of $79,528. 66% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (630), Tampa-St. Petersburg-Clearwater, FL (283) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (244) (applications in parentheses).
| Mortgage Company & Address | 1st Financial, Inc. 1111 Benfield Blvd #106 Millersville, MD 21108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2017 2016 2015 |
| Total Number of Mortgage Applications | 1,738 |
| Total Mortgage Loan Application Amount | $402,589,000 |
| Average Mortgage Loan Application Amount | $231,639 |
| Highest Mortgage Loan Application Amount | $1,580,000 |
| Average Applicant Income | $79,528 |
| Highest Applicant Income | $1,709,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 1st Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Miami-Dade, Florida | 630 | $ 155,633,000 | $ 247,036 | $ 79,000 |
| Broward, Florida | 244 | $ 60,181,000 | $ 246,643 | $ 83,000 |
| Pinellas, Florida | 125 | $ 23,410,000 | $ 187,280 | $ 75,000 |
| Hillsborough, Florida | 121 | $ 22,946,000 | $ 189,636 | $ 72,000 |
| Anne Arundel, Maryland | 90 | $ 27,611,000 | $ 306,788 | $ 102,000 |
| Baltimore, Maryland | 44 | $ 8,945,000 | $ 203,295 | $ 67,000 |
| Osceola, Florida | 41 | $ 7,697,000 | $ 187,731 | $ 63,000 |
| Orange, Florida | 38 | $ 7,129,000 | $ 187,605 | $ 63,000 |
| Pasco, Florida | 33 | $ 6,080,000 | $ 184,242 | $ 76,000 |
| Polk, Florida | 24 | $ 4,054,000 | $ 168,916 | $ 49,000 |
| Prince George's, Maryland | 23 | $ 6,114,000 | $ 265,826 | $ 76,000 |
| Manatee, Florida | 19 | $ 5,060,000 | $ 266,315 | $ 87,000 |
| Palm Beach, Florida | 19 | $ 4,615,000 | $ 242,894 | $ 100,000 |
| Sarasota, Florida | 19 | $ 3,945,000 | $ 207,631 | $ 120,000 |
| Carroll, Maryland | 19 | $ 5,415,000 | $ 285,000 | $ 91,000 |
| Montgomery, Maryland | 17 | $ 5,527,000 | $ 325,117 | $ 109,000 |
| Kenton, Kentucky | 16 | $ 2,011,000 | $ 125,687 | $ 35,000 |
| Howard, Maryland | 13 | $ 3,884,000 | $ 298,769 | $ 201,000 |
| Clermont, Ohio | 13 | $ 2,061,000 | $ 158,538 | $ 67,000 |
| Baltimore City, Maryland | 11 | $ 2,429,000 | $ 220,818 | $ 129,000 |
| Hamilton, Ohio | 10 | $ 1,591,000 | $ 159,100 | $ 49,000 |
| Lee, Florida | 9 | $ 1,650,000 | $ 183,333 | $ 52,000 |
| Butler, Ohio | 8 | $ 1,293,000 | $ 161,625 | $ 36,000 |
| Boone, Kentucky | 7 | $ 1,121,000 | $ 160,142 | $ 59,000 |
| Charles, Maryland | 7 | $ 1,952,000 | $ 278,857 | $ 86,000 |
| Collier, Florida | 6 | $ 1,494,000 | $ 249,000 | $ 76,000 |
| Lake, Florida | 6 | $ 1,565,000 | $ 260,833 | $ 71,000 |
| Monroe, Florida | 6 | $ 2,365,000 | $ 394,166 | $ 118,000 |
| Volusia, Florida | 6 | $ 1,194,000 | $ 199,000 | $ 56,000 |
| Frederick, Maryland | 6 | $ 1,904,000 | $ 317,333 | $ 96,000 |
| Harford, Maryland | 6 | $ 1,855,000 | $ 309,166 | $ 73,000 |
| Citrus, Florida | 5 | $ 565,000 | $ 113,000 | $ 50,000 |
| Seminole, Florida | 5 | $ 744,000 | $ 148,800 | $ 39,000 |
| St. Lucie, Florida | 5 | $ 1,018,000 | $ 203,600 | $ 73,000 |
| Cuyahoga, Ohio | 5 | $ 435,000 | $ 87,000 | $ 211,000 |
| Flagler, Florida | 4 | $ 714,000 | $ 178,500 | $ 35,000 |
| Hernando, Florida | 4 | $ 855,000 | $ 213,750 | $ 67,000 |
| Campbell, Kentucky | 4 | $ 819,000 | $ 204,750 | $ 89,000 |
| Alachua, Florida | 3 | $ 261,000 | $ 87,000 | $ 55,000 |
| Union, New Jersey | 3 | $ 755,000 | $ 251,666 | $ 87,000 |
| York, Pennsylvania | 3 | $ 485,000 | $ 161,666 | $ 57,000 |
| Fairfax, Virginia | 3 | $ 1,325,000 | $ 441,666 | $ 115,000 |
| Sussex, Delaware | 2 | $ 311,000 | $ 155,500 | $ 64,000 |
| Charlotte, Florida | 2 | $ 213,000 | $ 106,500 | $ 30,000 |
| Duval, Florida | 2 | $ 228,000 | $ 114,000 | $ 80,000 |
| Levy, Florida | 2 | $ 735,000 | $ 367,500 | $ 79,000 |
| Marion, Florida | 2 | $ 432,000 | $ 216,000 | $ 51,000 |
| Martin, Florida | 2 | $ 615,000 | $ 307,500 | $ 96,000 |
| Caroline, Maryland | 2 | $ 690,000 | $ 345,000 | $ 79,000 |
| Worcester, Maryland | 2 | $ 399,000 | $ 199,500 | $ 201,000 |
| Wake, North Carolina | 2 | $ 697,000 | $ 348,500 | $ 167,000 |
| Brown, Ohio | 2 | $ 246,000 | $ 123,000 | $ 36,000 |
| Anderson, South Carolina | 2 | $ 222,000 | $ 111,000 | $ 21,000 |
| Greenwood, South Carolina | 2 | $ 179,000 | $ 89,500 | $ 37,000 |
| Oconee, South Carolina | 2 | $ 226,000 | $ 113,000 | $ 36,000 |
| Bay, Florida | 1 | $ 279,000 | $ 279,000 | $ 75,000 |
| Brevard, Florida | 1 | $ 239,000 | $ 239,000 | $ 48,000 |
| Highlands, Florida | 1 | $ 180,000 | $ 180,000 | $ 51,000 |
| Okaloosa, Florida | 1 | $ 174,000 | $ 174,000 | $ 54,000 |
| Gallatin, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Robertson, Kentucky | 1 | $ 153,000 | $ 153,000 | $ 88,000 |
| Garrett, Maryland | 1 | $ 119,000 | $ 119,000 | $ 52,000 |
| Queen Anne's, Maryland | 1 | $ 398,000 | $ 398,000 | $ 157,000 |
| St. Mary's, Maryland | 1 | $ 231,000 | $ 231,000 | $ 41,000 |
| Washington, Maryland | 1 | $ 117,000 | $ 117,000 | $ 64,000 |
| Monmouth, New Jersey | 1 | $ 398,000 | $ 398,000 | $ 203,000 |
| Passaic, New Jersey | 1 | $ 336,000 | $ 336,000 | $ 90,000 |
| Dare, North Carolina | 1 | $ 247,000 | $ 247,000 | $ 163,000 |
| Harnett, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Johnston, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Watauga, North Carolina | 1 | $ 152,000 | $ 152,000 | $ 4,000 |
| Clinton, Ohio | 1 | $ 64,000 | $ 64,000 | $ 34,000 |
| Ross, Ohio | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| Summit, Ohio | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Warren, Ohio | 1 | $ 158,000 | $ 158,000 | $ 51,000 |
| Adams, Pennsylvania | 1 | $ 186,000 | $ 186,000 | $ 76,000 |
| Allegheny, Pennsylvania | 1 | $ 360,000 | $ 360,000 | $ 195,000 |
| Laurens, South Carolina | 1 | $ 117,000 | $ 117,000 | $ 47,000 |
| Cumberland, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 73,000 |
| Davidson, Tennessee | 1 | $ 146,000 | $ 146,000 | $ 50,000 |
| Morgan, Tennessee | 1 | $ 99,000 | $ 99,000 | $ 35,000 |
| Alexandria, Virginia | 1 | $ 423,000 | $ 423,000 | $ 195,000 |
| Culpeper, Virginia | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| Henrico, Virginia | 1 | $ 117,000 | $ 117,000 | $ 40,000 |
| Isle of Wight, Virginia | 1 | $ 256,000 | $ 256,000 | $ 54,000 |
| King George, Virginia | 1 | $ 164,000 | $ 164,000 | $ 51,000 |
| Prince William, Virginia | 1 | $ 402,000 | $ 402,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for 1st Financial, Inc. in 2017
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 | 1,445 | $336,354,000 | $232,000 | $1,580,000 | $77,000 | $1,709,000 |
| Refinancing | 293 | $66,235,000 | $226,000 | $750,000 | $92,000 | $998,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 955 | $224,179,000 | $234,000 | $578,000 | $75,000 | $502,000 |
| White | 575 | $129,935,000 | $225,000 | $1,580,000 | $86,000 | $1,709,000 |
| Black or African American | 137 | $31,583,000 | $230,000 | $558,000 | $78,000 | $1,488,000 |
| Not Provided | 37 | $8,645,000 | $233,000 | $770,000 | $61,000 | $230,000 |
| Asian | 23 | $5,815,000 | $252,000 | $713,000 | $158,000 | $527,000 |
| American Indian or Alaskan Native | 5 | $1,415,000 | $283,000 | $424,000 | $120,000 | $217,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $408,000 | $136,000 | $169,000 | $33,000 | $35,000 |
| Not applicable | 3 | $609,000 | $203,000 | $237,000 | $71,000 | $105,000 |
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) | 901 | $210,391,000 | $233,000 | $1,580,000 | $95,000 | $1,709,000 |
| FHA-insured (Federal Housing Administration) | 741 | $167,596,000 | $226,000 | $570,000 | $63,000 | $354,000 |
| VA-guaranteed (Veterans Administration) | 87 | $22,525,000 | $258,000 | $645,000 | $72,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,077,000 | $230,000 | $369,000 | $61,000 | $96,000 |
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 | 1,142 | $271,038,000 | $237,000 | $1,580,000 | $84,000 | $560,000 |
| Application Withdrawn By Applicant | 494 | $110,399,000 | $223,000 | $1,176,000 | $75,000 | $1,709,000 |
| Application Denied By Financial Institution | 87 | $17,885,000 | $205,000 | $770,000 | $60,000 | $286,000 |
| File Closed For Incompleteness | 15 | $3,267,000 | $217,000 | $421,000 | $71,000 | $183,000 |
| Application Approved But Not Accepted | 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 | 12 | $2,310,000 | $192,000 | $296,000 | $81,000 | $233,000 |
| Debt-To-Income Ratio | 10 | $2,353,000 | $235,000 | $322,000 | $51,000 | $95,000 |
| Unverifiable Information | 4 | $1,008,000 | $252,000 | $337,000 | $81,000 | $132,000 |
| Collateral | 4 | $676,000 | $169,000 | $263,000 | $81,000 | $152,000 |
| Credit History | 4 | $675,000 | $168,000 | $195,000 | $64,000 | $95,000 |
| Employment History | 2 | $496,000 | $248,000 | $275,000 | $35,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $172,000 | $172,000 | $172,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 1 | $274,000 | $274,000 | $274,000 | $67,000 | $67,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1st Financial, Inc.'s 2017 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.
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