1St Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
1St Financial, Inc. 2017 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 | 1,738 |
| Total Mortgage Loan Application Amount | $402,589,000 |
| Average Mortgage Loan Application Amount | $229,000 |
| Highest Mortgage Loan Application Amount | $1,580,000 |
| Average Applicant Income | $84,500 |
| Highest Applicant Income | $1,709,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Miami-Dade County Florida | 630 | $ 155,633,000 | $ 247,000 | $ 79,000 |
| Broward County Florida | 244 | $ 60,181,000 | $ 246,000 | $ 83,000 |
| Pinellas County Florida | 125 | $ 23,410,000 | $ 187,000 | $ 75,000 |
| Hillsborough County Florida | 121 | $ 22,946,000 | $ 189,000 | $ 72,000 |
| Anne Arundel County Maryland | 90 | $ 27,611,000 | $ 306,000 | $ 102,000 |
| Baltimore County Maryland | 44 | $ 8,945,000 | $ 203,000 | $ 67,000 |
| Osceola County Florida | 41 | $ 7,697,000 | $ 187,000 | $ 63,000 |
| Orange County Florida | 38 | $ 7,129,000 | $ 187,000 | $ 63,000 |
| Pasco County Florida | 33 | $ 6,080,000 | $ 184,000 | $ 76,000 |
| Polk County Florida | 24 | $ 4,054,000 | $ 168,000 | $ 49,000 |
| Prince George's County Maryland | 23 | $ 6,114,000 | $ 265,000 | $ 76,000 |
| Manatee County Florida | 19 | $ 5,060,000 | $ 266,000 | $ 87,000 |
| Palm Beach County Florida | 19 | $ 4,615,000 | $ 242,000 | $ 100,000 |
| Sarasota County Florida | 19 | $ 3,945,000 | $ 207,000 | $ 120,000 |
| Carroll County Maryland | 19 | $ 5,415,000 | $ 285,000 | $ 91,000 |
| Montgomery County Maryland | 17 | $ 5,527,000 | $ 325,000 | $ 109,000 |
| Kenton County Kentucky | 16 | $ 2,011,000 | $ 125,000 | $ 35,000 |
| Howard County Maryland | 13 | $ 3,884,000 | $ 298,000 | $ 201,000 |
| Clermont County Ohio | 13 | $ 2,061,000 | $ 158,000 | $ 67,000 |
| Baltimore City County Maryland | 11 | $ 2,429,000 | $ 220,000 | $ 129,000 |
| Hamilton County Ohio | 10 | $ 1,591,000 | $ 159,000 | $ 49,000 |
| Lee County Florida | 9 | $ 1,650,000 | $ 183,000 | $ 52,000 |
| Butler County Ohio | 8 | $ 1,293,000 | $ 161,000 | $ 36,000 |
| Boone County Kentucky | 7 | $ 1,121,000 | $ 160,000 | $ 59,000 |
| Charles County Maryland | 7 | $ 1,952,000 | $ 278,000 | $ 86,000 |
| Collier County Florida | 6 | $ 1,494,000 | $ 249,000 | $ 76,000 |
| Lake County Florida | 6 | $ 1,565,000 | $ 260,000 | $ 71,000 |
| Monroe County Florida | 6 | $ 2,365,000 | $ 394,000 | $ 118,000 |
| Volusia County Florida | 6 | $ 1,194,000 | $ 199,000 | $ 56,000 |
| Frederick County Maryland | 6 | $ 1,904,000 | $ 317,000 | $ 96,000 |
| Harford County Maryland | 6 | $ 1,855,000 | $ 309,000 | $ 73,000 |
| Citrus County Florida | 5 | $ 565,000 | $ 113,000 | $ 50,000 |
| Seminole County Florida | 5 | $ 744,000 | $ 148,000 | $ 39,000 |
| St. Lucie County Florida | 5 | $ 1,018,000 | $ 203,000 | $ 73,000 |
| Cuyahoga County Ohio | 5 | $ 435,000 | $ 87,000 | $ 211,000 |
| Flagler County Florida | 4 | $ 714,000 | $ 178,000 | $ 35,000 |
| Hernando County Florida | 4 | $ 855,000 | $ 213,000 | $ 67,000 |
| Campbell County Kentucky | 4 | $ 819,000 | $ 204,000 | $ 89,000 |
| Alachua County Florida | 3 | $ 261,000 | $ 87,000 | $ 55,000 |
| Union County New Jersey | 3 | $ 755,000 | $ 251,000 | $ 87,000 |
| York County Pennsylvania | 3 | $ 485,000 | $ 161,000 | $ 57,000 |
| Fairfax County Virginia | 3 | $ 1,325,000 | $ 441,000 | $ 115,000 |
| Sussex County Delaware | 2 | $ 311,000 | $ 155,000 | $ 64,000 |
| Charlotte County Florida | 2 | $ 213,000 | $ 106,000 | $ 30,000 |
| Duval County Florida | 2 | $ 228,000 | $ 114,000 | $ 80,000 |
| Levy County Florida | 2 | $ 735,000 | $ 367,000 | $ 79,000 |
| Marion County Florida | 2 | $ 432,000 | $ 216,000 | $ 51,000 |
| Martin County Florida | 2 | $ 615,000 | $ 307,000 | $ 96,000 |
| Caroline County Maryland | 2 | $ 690,000 | $ 345,000 | $ 79,000 |
| Worcester County Maryland | 2 | $ 399,000 | $ 199,000 | $ 201,000 |
| Wake County North Carolina | 2 | $ 697,000 | $ 348,000 | $ 167,000 |
| Brown County Ohio | 2 | $ 246,000 | $ 123,000 | $ 36,000 |
| Anderson County South Carolina | 2 | $ 222,000 | $ 111,000 | $ 21,000 |
| Greenwood County South Carolina | 2 | $ 179,000 | $ 89,000 | $ 37,000 |
| Oconee County South Carolina | 2 | $ 226,000 | $ 113,000 | $ 36,000 |
| Bay County Florida | 1 | $ 279,000 | $ 279,000 | $ 75,000 |
| Brevard County Florida | 1 | $ 239,000 | $ 239,000 | $ 48,000 |
| Highlands County Florida | 1 | $ 180,000 | $ 180,000 | $ 51,000 |
| Okaloosa County Florida | 1 | $ 174,000 | $ 174,000 | $ 54,000 |
| Gallatin County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Robertson County Kentucky | 1 | $ 153,000 | $ 153,000 | $ 88,000 |
| Garrett County Maryland | 1 | $ 119,000 | $ 119,000 | $ 52,000 |
| Queen Anne's County Maryland | 1 | $ 398,000 | $ 398,000 | $ 157,000 |
| St. Mary's County Maryland | 1 | $ 231,000 | $ 231,000 | $ 41,000 |
| Washington County Maryland | 1 | $ 117,000 | $ 117,000 | $ 64,000 |
| Monmouth County New Jersey | 1 | $ 398,000 | $ 398,000 | $ 203,000 |
| Passaic County New Jersey | 1 | $ 336,000 | $ 336,000 | $ 90,000 |
| Dare County North Carolina | 1 | $ 247,000 | $ 247,000 | $ 163,000 |
| Harnett County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Johnston County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Watauga County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 4,000 |
| Clinton County Ohio | 1 | $ 64,000 | $ 64,000 | $ 34,000 |
| Ross County Ohio | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| Summit County Ohio | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Warren County Ohio | 1 | $ 158,000 | $ 158,000 | $ 51,000 |
| Adams County Pennsylvania | 1 | $ 186,000 | $ 186,000 | $ 76,000 |
| Allegheny County Pennsylvania | 1 | $ 360,000 | $ 360,000 | $ 195,000 |
| Laurens County South Carolina | 1 | $ 117,000 | $ 117,000 | $ 47,000 |
| Cumberland County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 73,000 |
| Davidson County Tennessee | 1 | $ 146,000 | $ 146,000 | $ 50,000 |
| Morgan County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 35,000 |
| Alexandria County Virginia | 1 | $ 423,000 | $ 423,000 | $ 195,000 |
| Culpeper County Virginia | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| Henrico County Virginia | 1 | $ 117,000 | $ 117,000 | $ 40,000 |
| Isle of Wight County Virginia | 1 | $ 256,000 | $ 256,000 | $ 54,000 |
| King George County Virginia | 1 | $ 164,000 | $ 164,000 | $ 51,000 |
| Prince William County 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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.