1St Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
1St Financial, Inc. 2020 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 | 2,192 |
| Total Mortgage Loan Application Amount | $623,970,000 |
| Average Mortgage Loan Application Amount | $272,000 |
| Highest Mortgage Loan Application Amount | $875,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $961,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 786 | $ 228,590,000 | $ 290,000 | $ 102,000 |
| Broward County Florida | 323 | $ 95,685,000 | $ 296,000 | $ 103,000 |
| Anne Arundel County Maryland | 259 | $ 83,585,000 | $ 322,000 | $ 116,000 |
| Baltimore County Maryland | 98 | $ 25,620,000 | $ 261,000 | $ 100,000 |
| Hillsborough County Florida | 94 | $ 25,270,000 | $ 268,000 | $ 95,000 |
| Baltimore City County Maryland | 66 | $ 12,820,000 | $ 194,000 | $ 85,000 |
| Prince George's County Maryland | 47 | $ 14,785,000 | $ 314,000 | $ 117,000 |
| Carroll County Maryland | 34 | $ 10,260,000 | $ 301,000 | $ 106,000 |
| Harford County Maryland | 33 | $ 11,365,000 | $ 344,000 | $ 117,000 |
| Pinellas County Florida | 32 | $ 6,420,000 | $ 200,000 | $ 72,000 |
| Palm Beach County Florida | 30 | $ 8,930,000 | $ 297,000 | $ 99,000 |
| Howard County Maryland | 26 | $ 8,800,000 | $ 338,000 | $ 131,000 |
| Pasco County Florida | 25 | $ 5,935,000 | $ 237,000 | $ 78,000 |
| Lee County Florida | 22 | $ 4,760,000 | $ 216,000 | $ 68,000 |
| Montgomery County Maryland | 17 | $ 4,955,000 | $ 291,000 | $ 83,000 |
| Horry County South Carolina | 17 | $ 3,005,000 | $ 176,000 | $ 47,000 |
| Monroe County Florida | 14 | $ 5,590,000 | $ 399,000 | $ 223,000 |
| Orange County Florida | 14 | $ 2,960,000 | $ 211,000 | $ 68,000 |
| Queen Anne's County Maryland | 14 | $ 4,040,000 | $ 288,000 | $ 111,000 |
| Marion County Florida | 12 | $ 2,000,000 | $ 166,000 | $ 66,000 |
| Polk County Florida | 10 | $ 1,700,000 | $ 170,000 | $ 55,000 |
| St. Lucie County Florida | 10 | $ 2,140,000 | $ 214,000 | $ 66,000 |
| Osceola County Florida | 9 | $ 1,885,000 | $ 209,000 | $ 70,000 |
| Calvert County Maryland | 9 | $ 2,635,000 | $ 292,000 | $ 114,000 |
| Frederick County Maryland | 8 | $ 2,840,000 | $ 355,000 | $ 100,000 |
| Volusia County Florida | 7 | $ 1,395,000 | $ 199,000 | $ 56,000 |
| Fairfax County Virginia | 7 | $ 2,305,000 | $ 329,000 | $ 164,000 |
| Collier County Florida | 6 | $ 1,460,000 | $ 243,000 | $ 177,000 |
| Hernando County Florida | 6 | $ 1,100,000 | $ 183,000 | $ 59,000 |
| Worcester County Maryland | 6 | $ 1,410,000 | $ 235,000 | $ 150,000 |
| Allegheny County Pennsylvania | 6 | $ 1,160,000 | $ 193,000 | $ 85,000 |
| York County Pennsylvania | 6 | $ 1,580,000 | $ 263,000 | $ 84,000 |
| Henrico County Virginia | 6 | $ 1,800,000 | $ 300,000 | $ 115,000 |
| Prince William County Virginia | 6 | $ 2,230,000 | $ 371,000 | $ 77,000 |
| Duval County Florida | 5 | $ 785,000 | $ 157,000 | $ 89,000 |
| Charles County Maryland | 5 | $ 1,565,000 | $ 313,000 | $ 53,000 |
| Sussex County Delaware | 4 | $ 1,260,000 | $ 315,000 | $ 112,000 |
| District of Columbia County District Of Columbia | 4 | $ 1,210,000 | $ 302,000 | $ 99,000 |
| Brevard County Florida | 4 | $ 780,000 | $ 195,000 | $ 114,000 |
| Chesterfield County Virginia | 4 | $ 970,000 | $ 242,000 | $ 91,000 |
| Charlotte County Florida | 3 | $ 665,000 | $ 221,000 | $ 88,000 |
| Martin County Florida | 3 | $ 1,005,000 | $ 335,000 | $ 114,000 |
| Sarasota County Florida | 3 | $ 715,000 | $ 238,000 | $ 68,000 |
| Seminole County Florida | 3 | $ 835,000 | $ 278,000 | $ 83,000 |
| St. Johns County Florida | 3 | $ 1,305,000 | $ 435,000 | $ 374,000 |
| Cecil County Maryland | 3 | $ 495,000 | $ 165,000 | $ 46,000 |
| Adams County Pennsylvania | 3 | $ 735,000 | $ 245,000 | $ 64,000 |
| Monroe County Pennsylvania | 3 | $ 695,000 | $ 231,000 | $ 68,000 |
| Northampton County Pennsylvania | 3 | $ 565,000 | $ 188,000 | $ 66,000 |
| Loudoun County Virginia | 3 | $ 1,665,000 | $ 555,000 | $ 112,000 |
| Citrus County Florida | 2 | $ 410,000 | $ 205,000 | $ 79,000 |
| Highlands County Florida | 2 | $ 350,000 | $ 175,000 | $ 93,000 |
| Lake County Florida | 2 | $ 650,000 | $ 325,000 | $ 86,000 |
| Leon County Florida | 2 | $ 620,000 | $ 310,000 | $ 119,000 |
| Sumter County Florida | 2 | $ 250,000 | $ 125,000 | $ 122,000 |
| Caroline County Maryland | 2 | $ 360,000 | $ 180,000 | $ 64,000 |
| Washington County Maryland | 2 | $ 480,000 | $ 240,000 | $ 72,000 |
| Wicomico County Maryland | 2 | $ 230,000 | $ 115,000 | $ 199,000 |
| Berks County Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 63,000 |
| Chester County Pennsylvania | 2 | $ 740,000 | $ 370,000 | $ 135,000 |
| Dauphin County Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 61,000 |
| Delaware County Pennsylvania | 2 | $ 700,000 | $ 350,000 | $ 162,000 |
| Greenville County South Carolina | 2 | $ 420,000 | $ 210,000 | $ 42,000 |
| Bexar County Texas | 2 | $ 600,000 | $ 300,000 | $ 104,000 |
| Campbell County Virginia | 2 | $ 350,000 | $ 175,000 | $ 60,000 |
| Spotsylvania County Virginia | 2 | $ 540,000 | $ 270,000 | $ 116,000 |
| Stafford County Virginia | 2 | $ 510,000 | $ 255,000 | $ 41,000 |
| Chaffee County Colorado | 1 | $ 485,000 | $ 485,000 | $ 210,000 |
| Denver County Colorado | 1 | $ 425,000 | $ 425,000 | $ 165,000 |
| Weld County Colorado | 1 | $ 375,000 | $ 375,000 | $ 147,000 |
| New Castle County Delaware | 1 | $ 515,000 | $ 515,000 | $ 125,000 |
| Escambia County Florida | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Manatee County Florida | 1 | $ 465,000 | $ 465,000 | $ 175,000 |
| Nassau County Florida | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Santa Rosa County Florida | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Kent County Maryland | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Hudson County New Jersey | 1 | $ 475,000 | $ 475,000 | $ 256,000 |
| Armstrong County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 35,000 |
| Beaver County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Blair County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 132,000 |
| Butler County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Huntingdon County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Lackawanna County Pennsylvania | 1 | $ 425,000 | $ 425,000 | $ 154,000 |
| Lancaster County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Montgomery County Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 89,000 |
| Westmoreland County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Charleston County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Travis County Texas | 1 | $ 215,000 | $ 215,000 | $ 122,000 |
| Alexandria County Virginia | 1 | $ 405,000 | $ 405,000 | $ 137,000 |
| Amherst County Virginia | 1 | $ 205,000 | $ 205,000 | $ 160,000 |
| Caroline County Virginia | 1 | $ 325,000 | $ 325,000 | $ 86,000 |
| Chesapeake County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Colonial Heights County Virginia | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Fauquier County Virginia | 1 | $ 375,000 | $ 375,000 | $ 75,000 |
| Franklin County Virginia | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Frederick County Virginia | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
| Gloucester County Virginia | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Hopewell County Virginia | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Isle of Wight County Virginia | 1 | $ 275,000 | $ 275,000 | $ 124,000 |
| Lancaster County Virginia | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Norfolk County Virginia | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Roanoke City County Virginia | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Virginia Beach County Virginia | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for 1St Financial, Inc. in 2020
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 | 1,231 | $354,475,000 | $287,000 | $875,000 | $97,000 | $824,000 |
| Refinancing | 763 | $216,425,000 | $283,000 | $725,000 | $108,000 | $735,000 |
| Cash-out Refinancing | 196 | $52,570,000 | $268,000 | $725,000 | $111,000 | $961,000 |
| Home Improvement | 2 | $500,000 | $250,000 | $285,000 | $124,000 | $142,000 |
| 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 | 1,062 | $303,630,000 | $285,000 | $725,000 | $97,000 | $735,000 |
| White | 779 | $224,735,000 | $288,000 | $875,000 | $112,000 | $961,000 |
| Black or African American | 241 | $65,585,000 | $272,000 | $645,000 | $93,000 | $504,000 |
| Not Provided | 80 | $21,470,000 | $268,000 | $745,000 | $96,000 | $288,000 |
| Asian | 29 | $8,315,000 | $286,000 | $515,000 | $119,000 | $307,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,585 | $451,075,000 | $284,000 | $805,000 | $113,000 | $824,000 |
| FHA-insured (Federal Housing Administration) | 494 | $134,080,000 | $271,000 | $705,000 | $73,000 | $812,000 |
| VA-guaranteed (Veterans Administration) | 105 | $36,815,000 | $350,000 | $875,000 | $78,000 | $961,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $2,000,000 | $250,000 | $355,000 | $74,000 | $98,000 |
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 | 1,453 | $420,315,000 | $289,000 | $875,000 | $104,000 | $961,000 |
| Application Withdrawn By Applicant | 667 | $184,125,000 | $276,000 | $705,000 | $100,000 | $824,000 |
| Application Denied By Financial Institution | 70 | $19,100,000 | $272,000 | $525,000 | $76,000 | $226,000 |
| File Closed For Incompleteness | 2 | $430,000 | $215,000 | $225,000 | $98,000 | $159,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,122 | $604,870,000 | $285,000 | $875,000 | $103,000 | $961,000 |
| Other | 20 | $5,320,000 | $266,000 | $505,000 | $59,000 | $125,000 |
| Unverifiable Information | 14 | $4,390,000 | $313,000 | $515,000 | $103,000 | $226,000 |
| Credit History | 10 | $2,790,000 | $279,000 | $465,000 | $79,000 | $132,000 |
| Debt-To-Income Ratio | 9 | $2,265,000 | $251,000 | $525,000 | $62,000 | $125,000 |
| Collateral | 8 | $2,000,000 | $250,000 | $375,000 | $79,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,355,000 | $271,000 | $405,000 | $75,000 | $99,000 |
| Employment History | 4 | $980,000 | $245,000 | $265,000 | $76,000 | $100,000 |
| 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 2020 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.