1St Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
1St Financial, Inc. 2019 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 | 2,004 |
| Total Mortgage Loan Application Amount | $514,570,000 |
| Average Mortgage Loan Application Amount | $259,000 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,019,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 702 | $ 193,950,000 | $ 276,000 | $ 93,000 |
| Broward County Florida | 291 | $ 82,045,000 | $ 281,000 | $ 98,000 |
| Anne Arundel County Maryland | 133 | $ 41,185,000 | $ 309,000 | $ 102,000 |
| Pinellas County Florida | 115 | $ 26,195,000 | $ 227,000 | $ 97,000 |
| Orange County Florida | 107 | $ 21,995,000 | $ 205,000 | $ 62,000 |
| Osceola County Florida | 93 | $ 18,605,000 | $ 200,000 | $ 66,000 |
| Hillsborough County Florida | 82 | $ 19,510,000 | $ 237,000 | $ 95,000 |
| Baltimore County Maryland | 42 | $ 9,810,000 | $ 233,000 | $ 81,000 |
| Pasco County Florida | 39 | $ 8,785,000 | $ 225,000 | $ 87,000 |
| Polk County Florida | 36 | $ 6,490,000 | $ 180,000 | $ 54,000 |
| Palm Beach County Florida | 33 | $ 7,165,000 | $ 217,000 | $ 81,000 |
| Prince George's County Maryland | 27 | $ 8,545,000 | $ 316,000 | $ 83,000 |
| Baltimore City County Maryland | 25 | $ 4,495,000 | $ 179,000 | $ 81,000 |
| Carroll County Maryland | 17 | $ 4,695,000 | $ 276,000 | $ 101,000 |
| Horry County South Carolina | 17 | $ 2,815,000 | $ 165,000 | $ 45,000 |
| Marion County Florida | 16 | $ 2,540,000 | $ 158,000 | $ 64,000 |
| Howard County Maryland | 16 | $ 5,040,000 | $ 315,000 | $ 96,000 |
| Volusia County Florida | 15 | $ 2,595,000 | $ 173,000 | $ 68,000 |
| Lake County Florida | 14 | $ 3,120,000 | $ 222,000 | $ 66,000 |
| Lee County Florida | 14 | $ 2,860,000 | $ 204,000 | $ 151,000 |
| Seminole County Florida | 12 | $ 2,450,000 | $ 204,000 | $ 62,000 |
| Montgomery County Maryland | 9 | $ 3,365,000 | $ 373,000 | $ 157,000 |
| Collier County Florida | 8 | $ 2,090,000 | $ 261,000 | $ 153,000 |
| Hernando County Florida | 8 | $ 1,300,000 | $ 162,000 | $ 55,000 |
| Monroe County Florida | 8 | $ 3,280,000 | $ 410,000 | $ 148,000 |
| Harford County Maryland | 8 | $ 2,560,000 | $ 320,000 | $ 114,000 |
| Charles County Maryland | 7 | $ 2,605,000 | $ 372,000 | $ 94,000 |
| Queen Anne's County Maryland | 7 | $ 2,345,000 | $ 335,000 | $ 99,000 |
| Frederick County Maryland | 6 | $ 1,540,000 | $ 256,000 | $ 77,000 |
| Sarasota County Florida | 5 | $ 835,000 | $ 167,000 | $ 56,000 |
| St. Lucie County Florida | 5 | $ 865,000 | $ 173,000 | $ 105,000 |
| York County Pennsylvania | 5 | $ 885,000 | $ 177,000 | $ 74,000 |
| Harris County Texas | 5 | $ 665,000 | $ 133,000 | $ 89,000 |
| Brevard County Florida | 4 | $ 930,000 | $ 232,000 | $ 96,000 |
| Citrus County Florida | 4 | $ 530,000 | $ 132,000 | $ 63,000 |
| Manatee County Florida | 4 | $ 680,000 | $ 170,000 | $ 61,000 |
| Calvert County Maryland | 4 | $ 1,740,000 | $ 435,000 | $ 133,000 |
| Charlotte County Florida | 3 | $ 765,000 | $ 255,000 | $ 146,000 |
| Hendry County Florida | 3 | $ 335,000 | $ 111,000 | $ 51,000 |
| St. Johns County Florida | 3 | $ 785,000 | $ 261,000 | $ 137,000 |
| Worcester County Maryland | 3 | $ 545,000 | $ 181,000 | $ 130,000 |
| Wake County North Carolina | 3 | $ 465,000 | $ 155,000 | $ 93,000 |
| District of Columbia County District Of Columbia | 2 | $ 580,000 | $ 290,000 | $ 122,000 |
| Duval County Florida | 2 | $ 980,000 | $ 490,000 | $ 195,000 |
| Indian River County Florida | 2 | $ 280,000 | $ 140,000 | $ 71,000 |
| Caroline County Maryland | 2 | $ 480,000 | $ 240,000 | $ 58,000 |
| Kent County Maryland | 2 | $ 440,000 | $ 220,000 | $ 109,000 |
| Passaic County New Jersey | 2 | $ 560,000 | $ 280,000 | $ 84,000 |
| Philadelphia County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 79,000 |
| New Castle County Delaware | 1 | $ 445,000 | $ 445,000 | $ 120,000 |
| Sussex County Delaware | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Clay County Florida | 1 | $ 195,000 | $ 195,000 | $ 35,000 |
| Escambia County Florida | 1 | $ 55,000 | $ 55,000 | $ 20,000 |
| Highlands County Florida | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Leon County Florida | 1 | $ 135,000 | $ 135,000 | $ 221,000 |
| Nassau County Florida | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Putnam County Florida | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Santa Rosa County Florida | 1 | $ 135,000 | $ 135,000 | $ 20,000 |
| Cecil County Maryland | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| St. Mary's County Maryland | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Talbot County Maryland | 1 | $ 385,000 | $ 385,000 | $ 86,000 |
| Wicomico County Maryland | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Cabarrus County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 44,000 |
| Cuyahoga County Ohio | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Berks County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Sevier County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Cameron County Texas | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Tarrant County Texas | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Waller County Texas | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Fairfax County Virginia | 1 | $ 545,000 | $ 545,000 | $ 145,000 |
| Franklin County Virginia | 1 | $ 645,000 | $ 645,000 | $ 545,000 |
| Hanover County Virginia | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Henrico County Virginia | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Hopewell County Virginia | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| James City County Virginia | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Northumberland County Virginia | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Prince William County Virginia | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Pulaski County Virginia | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| Richmond City County Virginia | 1 | $ 185,000 | $ 185,000 | $ 29,000 |
| Stafford County Virginia | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Tazewell County Virginia | 1 | $ 165,000 | $ 165,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for 1St Financial, Inc. in 2019
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 | 1,558 | $396,820,000 | $254,000 | $925,000 | $89,000 | $1,019,000 |
| Refinancing | 306 | $81,780,000 | $267,000 | $645,000 | $95,000 | $545,000 |
| Cash-out Refinancing | 140 | $35,970,000 | $256,000 | $855,000 | $95,000 | $473,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,160 | $295,120,000 | $254,000 | $925,000 | $87,000 | $1,019,000 |
| White | 519 | $138,615,000 | $267,000 | $855,000 | $102,000 | $545,000 |
| Black or African American | 204 | $49,940,000 | $244,000 | $585,000 | $71,000 | $188,000 |
| Not Provided | 85 | $21,035,000 | $247,000 | $595,000 | $100,000 | $576,000 |
| Asian | 31 | $8,605,000 | $277,000 | $685,000 | $115,000 | $300,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $70,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $70,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,206 | $315,440,000 | $261,000 | $925,000 | $104,000 | $1,019,000 |
| FHA-insured (Federal Housing Administration) | 691 | $169,045,000 | $244,000 | $545,000 | $69,000 | $271,000 |
| VA-guaranteed (Veterans Administration) | 98 | $28,070,000 | $286,000 | $825,000 | $75,000 | $339,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,015,000 | $223,000 | $365,000 | $80,000 | $119,000 |
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 | 1,272 | $324,530,000 | $255,000 | $805,000 | $91,000 | $921,000 |
| Application Withdrawn By Applicant | 616 | $162,750,000 | $264,000 | $925,000 | $92,000 | $1,019,000 |
| Application Denied By Financial Institution | 116 | $27,290,000 | $235,000 | $525,000 | $73,000 | $473,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,888 | $487,280,000 | $258,000 | $925,000 | $91,000 | $1,019,000 |
| Other | 51 | $11,605,000 | $227,000 | $455,000 | $74,000 | $185,000 |
| Debt-To-Income Ratio | 23 | $5,885,000 | $255,000 | $525,000 | $65,000 | $146,000 |
| Credit History | 18 | $4,350,000 | $241,000 | $455,000 | $68,000 | $131,000 |
| Collateral | 7 | $1,455,000 | $207,000 | $335,000 | $56,000 | $93,000 |
| Unverifiable Information | 7 | $1,575,000 | $225,000 | $295,000 | $125,000 | $473,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,735,000 | $247,000 | $295,000 | $73,000 | $113,000 |
| Employment History | 3 | $685,000 | $228,000 | $245,000 | $63,000 | $77,000 |
| Credit Application Incomplete | 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 2019 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.