1St Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

1St Financial, Inc. 2021 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 2,602
Total Mortgage Loan Application Amount $784,790,000
Average Mortgage Loan Application Amount $256,000
Highest Mortgage Loan Application Amount $2,715,000
Average Applicant Income $87,250
Highest Applicant Income $3,145,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.

Mortgage Loan Application Totals for 1St Financial, Inc. by County in 2021

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 791 $ 248,465,000 $ 314,000 $ 112,000
Broward County Florida 313 $ 101,115,000 $ 323,000 $ 108,000
Anne Arundel County Maryland 246 $ 84,130,000 $ 341,000 $ 119,000
Baltimore County Maryland 182 $ 47,430,000 $ 260,000 $ 88,000
Prince George's County Maryland 124 $ 42,900,000 $ 345,000 $ 97,000
Baltimore City County Maryland 88 $ 19,520,000 $ 221,000 $ 92,000
Hillsborough County Florida 75 $ 20,115,000 $ 268,000 $ 112,000
Howard County Maryland 45 $ 17,795,000 $ 395,000 $ 141,000
Carroll County Maryland 42 $ 12,040,000 $ 286,000 $ 103,000
Charles County Maryland 40 $ 14,610,000 $ 365,000 $ 89,000
Palm Beach County Florida 37 $ 10,355,000 $ 279,000 $ 99,000
Montgomery County Maryland 37 $ 12,555,000 $ 339,000 $ 92,000
Harford County Maryland 33 $ 9,855,000 $ 298,000 $ 91,000
St. Lucie County Florida 23 $ 5,975,000 $ 259,000 $ 68,000
District of Columbia County District Of Columbia 16 $ 6,180,000 $ 386,000 $ 113,000
Monroe County Florida 15 $ 8,755,000 $ 583,000 $ 367,000
Calvert County Maryland 15 $ 4,325,000 $ 288,000 $ 112,000
Queen Anne's County Maryland 15 $ 4,345,000 $ 289,000 $ 111,000
Lee County Florida 12 $ 2,950,000 $ 245,000 $ 73,000
Pasco County Florida 12 $ 4,010,000 $ 334,000 $ 82,000
Pinellas County Florida 12 $ 2,900,000 $ 241,000 $ 70,000
Horry County South Carolina 12 $ 2,560,000 $ 213,000 $ 63,000
Osceola County Florida 11 $ 2,975,000 $ 270,000 $ 59,000
Frederick County Maryland 11 $ 3,565,000 $ 324,000 $ 81,000
York County Pennsylvania 11 $ 2,455,000 $ 223,000 $ 87,000
Sussex County Delaware 10 $ 3,210,000 $ 321,000 $ 176,000
Collier County Florida 10 $ 3,510,000 $ 351,000 $ 113,000
Berks County Pennsylvania 10 $ 1,990,000 $ 199,000 $ 61,000
Virginia Beach County Virginia 10 $ 2,790,000 $ 279,000 $ 120,000
Marion County Florida 9 $ 1,795,000 $ 199,000 $ 52,000
Duval County Florida 8 $ 2,140,000 $ 267,000 $ 214,000
Polk County Florida 8 $ 1,490,000 $ 186,000 $ 92,000
Washington County Maryland 8 $ 1,580,000 $ 197,000 $ 78,000
Bucks County Pennsylvania 8 $ 1,580,000 $ 197,000 $ 77,000
Philadelphia County Pennsylvania 8 $ 1,540,000 $ 192,000 $ 87,000
Dallas County Texas 8 $ 1,740,000 $ 217,000 $ 101,000
Harris County Texas 8 $ 1,460,000 $ 182,000 $ 65,000
Henrico County Virginia 8 $ 2,120,000 $ 265,000 $ 110,000
Seminole County Florida 7 $ 1,955,000 $ 279,000 $ 75,000
Volusia County Florida 7 $ 1,515,000 $ 216,000 $ 67,000
St. Mary's County Maryland 7 $ 2,075,000 $ 296,000 $ 108,000
Bexar County Texas 7 $ 1,325,000 $ 189,000 $ 65,000
Highlands County Florida 6 $ 1,050,000 $ 175,000 $ 60,000
Orange County Florida 6 $ 1,680,000 $ 280,000 $ 110,000
Worcester County Maryland 6 $ 1,830,000 $ 305,000 $ 152,000
Bell County Texas 6 $ 1,130,000 $ 188,000 $ 51,000
Chesterfield County Virginia 6 $ 1,100,000 $ 183,000 $ 60,000
Fairfax County Virginia 6 $ 2,510,000 $ 418,000 $ 116,000
Manatee County Florida 5 $ 1,715,000 $ 343,000 $ 138,000
Caroline County Maryland 5 $ 1,555,000 $ 311,000 $ 107,000
Cecil County Maryland 5 $ 1,135,000 $ 227,000 $ 66,000
Wicomico County Maryland 5 $ 945,000 $ 189,000 $ 69,000
Northampton County Pennsylvania 5 $ 1,295,000 $ 259,000 $ 103,000
Frederick County Virginia 5 $ 1,285,000 $ 257,000 $ 119,000
Lake County Florida 4 $ 1,320,000 $ 330,000 $ 111,000
Monroe County Pennsylvania 4 $ 720,000 $ 180,000 $ 170,000
Williamson County Texas 4 $ 1,010,000 $ 252,000 $ 50,000
New Castle County Delaware 3 $ 665,000 $ 221,000 $ 81,000
Brevard County Florida 3 $ 695,000 $ 231,000 $ 47,000
Indian River County Florida 3 $ 885,000 $ 295,000 $ 102,000
Garrett County Maryland 3 $ 695,000 $ 231,000 $ 79,000
Adams County Pennsylvania 3 $ 605,000 $ 201,000 $ 86,000
Allegheny County Pennsylvania 3 $ 905,000 $ 301,000 $ 125,000
Delaware County Pennsylvania 3 $ 575,000 $ 191,000 $ 76,000
Erie County Pennsylvania 3 $ 435,000 $ 145,000 $ 96,000
Montgomery County Pennsylvania 3 $ 585,000 $ 195,000 $ 120,000
Brazoria County Texas 3 $ 705,000 $ 235,000 $ 20,000
Hidalgo County Texas 3 $ 525,000 $ 175,000 $ 79,000
Smith County Texas 3 $ 515,000 $ 171,000 $ 11,000
Tarrant County Texas 3 $ 825,000 $ 275,000 $ 101,000
Travis County Texas 3 $ 2,085,000 $ 695,000 $ 263,000
Chesapeake County Virginia 3 $ 555,000 $ 185,000 $ 50,000
King George County Virginia 3 $ 1,085,000 $ 361,000 $ 132,000
Loudoun County Virginia 3 $ 1,485,000 $ 495,000 $ 89,000
Louisa County Virginia 3 $ 975,000 $ 325,000 $ 108,000
Stafford County Virginia 3 $ 915,000 $ 305,000 $ 85,000
Denver County Colorado 2 $ 650,000 $ 325,000 $ 148,000
Charlotte County Florida 2 $ 590,000 $ 295,000 $ 67,000
Citrus County Florida 2 $ 370,000 $ 185,000 $ 86,000
Clay County Florida 2 $ 350,000 $ 175,000 $ 105,000
Hendry County Florida 2 $ 400,000 $ 200,000 $ 72,000
Sarasota County Florida 2 $ 370,000 $ 185,000 $ 41,000
Dorchester County Maryland 2 $ 600,000 $ 300,000 $ 106,000
Talbot County Maryland 2 $ 650,000 $ 325,000 $ 89,000
Lackawanna County Pennsylvania 2 $ 480,000 $ 240,000 $ 42,000
Kaufman County Texas 2 $ 350,000 $ 175,000 $ 93,000
Montgomery County Texas 2 $ 360,000 $ 180,000 $ 25,000
Augusta County Virginia 2 $ 430,000 $ 215,000 $ 70,000
Culpeper County Virginia 2 $ 480,000 $ 240,000 $ 81,000
Hampton County Virginia 2 $ 390,000 $ 195,000 $ 68,000
Norfolk County Virginia 2 $ 450,000 $ 225,000 $ 59,000
Shenandoah County Virginia 2 $ 340,000 $ 170,000 $ 56,000
Pueblo County Colorado 1 $ 175,000 $ 175,000 $ 78,000
Rio Blanco County Colorado 1 $ 215,000 $ 215,000 $ 92,000
Routt County Colorado 1 $ 375,000 $ 375,000 $ 100,000
Kent County Delaware 1 $ 185,000 $ 185,000 $ 60,000
Alachua County Florida 1 $ 105,000 $ 105,000 $ 62,000
Bay County Florida 1 $ 215,000 $ 215,000 $ 117,000
Columbia County Florida 1 $ 305,000 $ 305,000 $ 131,000
DeSoto County Florida 1 $ 255,000 $ 255,000 $ 56,000
Flagler County Florida 1 $ 175,000 $ 175,000 $ 0
Leon County Florida 1 $ 105,000 $ 105,000 $ 201,000
Martin County Florida 1 $ 215,000 $ 215,000 $ 230,000
Nassau County Florida 1 $ 255,000 $ 255,000 $ 0
Santa Rosa County Florida 1 $ 185,000 $ 185,000 $ 0
St. Johns County Florida 1 $ 165,000 $ 165,000 $ 45,000
Monmouth County New Jersey 1 $ 175,000 $ 175,000 $ 61,000
Morris County New Jersey 1 $ 195,000 $ 195,000 $ 69,000
Chester County Pennsylvania 1 $ 165,000 $ 165,000 $ 122,000
Dauphin County Pennsylvania 1 $ 155,000 $ 155,000 $ 44,000
Franklin County Pennsylvania 1 $ 115,000 $ 115,000 $ 97,000
Lancaster County Pennsylvania 1 $ 125,000 $ 125,000 $ 23,000
Lawrence County Pennsylvania 1 $ 175,000 $ 175,000 $ 90,000
Lebanon County Pennsylvania 1 $ 165,000 $ 165,000 $ 65,000
Perry County Pennsylvania 1 $ 165,000 $ 165,000 $ 0
Washington County Pennsylvania 1 $ 185,000 $ 185,000 $ 157,000
Westmoreland County Pennsylvania 1 $ 155,000 $ 155,000 $ 0
Aiken County South Carolina 1 $ 355,000 $ 355,000 $ 106,000
Georgetown County South Carolina 1 $ 165,000 $ 165,000 $ 81,000
Greenville County South Carolina 1 $ 315,000 $ 315,000 $ 51,000
Spartanburg County South Carolina 1 $ 225,000 $ 225,000 $ 83,000
Bee County Texas 1 $ 195,000 $ 195,000 $ 127,000
Collin County Texas 1 $ 165,000 $ 165,000 $ 92,000
Colorado County Texas 1 $ 255,000 $ 255,000 $ 0
Comal County Texas 1 $ 235,000 $ 235,000 $ 159,000
Denton County Texas 1 $ 145,000 $ 145,000 $ 40,000
Eastland County Texas 1 $ 215,000 $ 215,000 $ 0
Ector County Texas 1 $ 145,000 $ 145,000 $ 76,000
El Paso County Texas 1 $ 165,000 $ 165,000 $ 85,000
Fannin County Texas 1 $ 145,000 $ 145,000 $ 54,000
Fort Bend County Texas 1 $ 345,000 $ 345,000 $ 118,000
Freestone County Texas 1 $ 175,000 $ 175,000 $ 274,000
Guadalupe County Texas 1 $ 155,000 $ 155,000 $ 57,000
Hardin County Texas 1 $ 195,000 $ 195,000 $ 100,000
Jasper County Texas 1 $ 165,000 $ 165,000 $ 106,000
Lubbock County Texas 1 $ 135,000 $ 135,000 $ 22,000
McLennan County Texas 1 $ 175,000 $ 175,000 $ 0
Medina County Texas 1 $ 175,000 $ 175,000 $ 83,000
Midland County Texas 1 $ 265,000 $ 265,000 $ 232,000
Orange County Texas 1 $ 165,000 $ 165,000 $ 74,000
Randall County Texas 1 $ 135,000 $ 135,000 $ 120,000
Rockwall County Texas 1 $ 315,000 $ 315,000 $ 0
Taylor County Texas 1 $ 155,000 $ 155,000 $ 0
Tom Green County Texas 1 $ 155,000 $ 155,000 $ 77,000
Val Verde County Texas 1 $ 205,000 $ 205,000 $ 0
Webb County Texas 1 $ 135,000 $ 135,000 $ 111,000
Wichita County Texas 1 $ 215,000 $ 215,000 $ 0
Wood County Texas 1 $ 165,000 $ 165,000 $ 31,000
Bedford County Virginia 1 $ 165,000 $ 165,000 $ 46,000
Campbell County Virginia 1 $ 165,000 $ 165,000 $ 70,000
Colonial Heights County Virginia 1 $ 225,000 $ 225,000 $ 48,000
Franklin County Virginia 1 $ 135,000 $ 135,000 $ 42,000
Greene County Virginia 1 $ 195,000 $ 195,000 $ 66,000
King William County Virginia 1 $ 215,000 $ 215,000 $ 95,000
Manassas County Virginia 1 $ 175,000 $ 175,000 $ 0
Middlesex County Virginia 1 $ 125,000 $ 125,000 $ 40,000
Montgomery County Virginia 1 $ 355,000 $ 355,000 $ 113,000
New Kent County Virginia 1 $ 135,000 $ 135,000 $ 0
Northampton County Virginia 1 $ 255,000 $ 255,000 $ 500,000
Poquoson County Virginia 1 $ 205,000 $ 205,000 $ 64,000
Powhatan County Virginia 1 $ 215,000 $ 215,000 $ 100,000
Prince William County Virginia 1 $ 685,000 $ 685,000 $ 101,000
Pulaski County Virginia 1 $ 145,000 $ 145,000 $ 59,000
Richmond City County Virginia 1 $ 115,000 $ 115,000 $ 54,000
Spotsylvania County Virginia 1 $ 435,000 $ 435,000 $ 148,000
York County Virginia 1 $ 395,000 $ 395,000 $ 0

Mortgage Loan Application Detail Totals for 1St Financial, Inc. in 2021

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 1,273 $427,725,000 $335,000 $2,715,000 $106,000 $3,145,000
Refinancing 794 $217,080,000 $273,000 $835,000 $109,000 $2,398,000
Cash-out Refinancing 534 $139,830,000 $261,000 $735,000 $98,000 $500,000
Other Purpose 1 $155,000 $155,000 $155,000 $36,000 $36,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 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 1,093 $335,545,000 $306,000 $1,615,000 $104,000 $1,159,000
White 819 $246,075,000 $300,000 $2,715,000 $119,000 $3,145,000
Black or African American 459 $141,645,000 $308,000 $1,055,000 $93,000 $690,000
Not Provided 189 $44,135,000 $233,000 $735,000 $77,000 $438,000
Asian 34 $15,660,000 $460,000 $1,605,000 $135,000 $540,000
Not applicable 3 $765,000 $255,000 $415,000 $103,000 $148,000
American Indian or Alaskan Native 2 $440,000 $220,000 $285,000 $55,000 $80,000
Native Hawaiian or Other Pacific Islander 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) 1,905 $564,015,000 $296,000 $2,715,000 $116,000 $3,145,000
FHA-insured (Federal Housing Administration) 548 $168,300,000 $307,000 $765,000 $76,000 $380,000
VA-guaranteed (Veterans Administration) 140 $49,800,000 $355,000 $1,905,000 $69,000 $310,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $2,675,000 $297,000 $395,000 $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 1,679 $512,725,000 $305,000 $2,715,000 $108,000 $3,145,000
Application Withdrawn By Applicant 716 $219,060,000 $305,000 $1,605,000 $105,000 $1,159,000
File Closed For Incompleteness 125 $26,845,000 $214,000 $515,000 $74,000 $376,000
Application Denied By Financial Institution 73 $23,915,000 $327,000 $1,285,000 $105,000 $1,068,000
Application Approved But Not Accepted 9 $2,245,000 $249,000 $545,000 $84,000 $171,000
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 2,529 $760,875,000 $300,000 $2,715,000 $105,000 $3,145,000
Other 43 $14,015,000 $325,000 $1,285,000 $85,000 $403,000
Collateral 9 $2,405,000 $267,000 $495,000 $102,000 $155,000
Credit History 9 $2,705,000 $300,000 $505,000 $75,000 $134,000
Debt-To-Income Ratio 4 $2,100,000 $525,000 $765,000 $362,000 $1,068,000
Employment History 3 $1,045,000 $348,000 $655,000 $140,000 $310,000
Unverifiable Information 3 $935,000 $311,000 $395,000 $88,000 $131,000
Insufficient Cash (Downpayment, Closing Cost) 2 $710,000 $355,000 $545,000 $129,000 $130,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into 1St Financial, Inc.'s 2021 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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