1st Financial, Inc. Mortgage Lending & HMDA Data, 2021

In 2021, 1st Financial, Inc. of Millersville, MD reported 2,602 mortgage applications totaling $784.8 million, up 19% from 2020. The average application was for $301,610, and applicants reported an average income of $105,246. 65% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (791), Baltimore-Columbia-Towson, MD (651) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (313) (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 2,602
Total Mortgage Loan Application Amount $784,790,000
Average Mortgage Loan Application Amount $301,610
Highest Mortgage Loan Application Amount $2,715,000
Average Applicant Income $105,246
Highest Applicant Income $3,145,000

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Act (HMDA) records 1st Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

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, Florida 791 $ 248,465,000 $ 314,115 $ 112,000
Broward, Florida 313 $ 101,115,000 $ 323,051 $ 108,000
Anne Arundel, Maryland 246 $ 84,130,000 $ 341,991 $ 119,000
Baltimore, Maryland 182 $ 47,430,000 $ 260,604 $ 88,000
Prince George's, Maryland 124 $ 42,900,000 $ 345,967 $ 97,000
Baltimore City, Maryland 88 $ 19,520,000 $ 221,818 $ 92,000
Hillsborough, Florida 75 $ 20,115,000 $ 268,200 $ 112,000
Howard, Maryland 45 $ 17,795,000 $ 395,444 $ 141,000
Carroll, Maryland 42 $ 12,040,000 $ 286,666 $ 103,000
Charles, Maryland 40 $ 14,610,000 $ 365,250 $ 89,000
Palm Beach, Florida 37 $ 10,355,000 $ 279,864 $ 99,000
Montgomery, Maryland 37 $ 12,555,000 $ 339,324 $ 92,000
Harford, Maryland 33 $ 9,855,000 $ 298,636 $ 91,000
St. Lucie, Florida 23 $ 5,975,000 $ 259,782 $ 68,000
District of Columbia, District Of Columbia 16 $ 6,180,000 $ 386,250 $ 113,000
Monroe, Florida 15 $ 8,755,000 $ 583,666 $ 367,000
Calvert, Maryland 15 $ 4,325,000 $ 288,333 $ 112,000
Queen Anne's, Maryland 15 $ 4,345,000 $ 289,666 $ 111,000
Lee, Florida 12 $ 2,950,000 $ 245,833 $ 73,000
Pasco, Florida 12 $ 4,010,000 $ 334,166 $ 82,000
Pinellas, Florida 12 $ 2,900,000 $ 241,666 $ 70,000
Horry, South Carolina 12 $ 2,560,000 $ 213,333 $ 63,000
Osceola, Florida 11 $ 2,975,000 $ 270,454 $ 59,000
Frederick, Maryland 11 $ 3,565,000 $ 324,090 $ 81,000
York, Pennsylvania 11 $ 2,455,000 $ 223,181 $ 87,000
Sussex, Delaware 10 $ 3,210,000 $ 321,000 $ 176,000
Collier, Florida 10 $ 3,510,000 $ 351,000 $ 113,000
Berks, Pennsylvania 10 $ 1,990,000 $ 199,000 $ 61,000
Virginia Beach, Virginia 10 $ 2,790,000 $ 279,000 $ 120,000
Marion, Florida 9 $ 1,795,000 $ 199,444 $ 52,000
Duval, Florida 8 $ 2,140,000 $ 267,500 $ 214,000
Polk, Florida 8 $ 1,490,000 $ 186,250 $ 92,000
Washington, Maryland 8 $ 1,580,000 $ 197,500 $ 78,000
Bucks, Pennsylvania 8 $ 1,580,000 $ 197,500 $ 77,000
Philadelphia, Pennsylvania 8 $ 1,540,000 $ 192,500 $ 87,000
Dallas, Texas 8 $ 1,740,000 $ 217,500 $ 101,000
Harris, Texas 8 $ 1,460,000 $ 182,500 $ 65,000
Henrico, Virginia 8 $ 2,120,000 $ 265,000 $ 110,000
Seminole, Florida 7 $ 1,955,000 $ 279,285 $ 75,000
Volusia, Florida 7 $ 1,515,000 $ 216,428 $ 67,000
St. Mary's, Maryland 7 $ 2,075,000 $ 296,428 $ 108,000
Bexar, Texas 7 $ 1,325,000 $ 189,285 $ 65,000
Highlands, Florida 6 $ 1,050,000 $ 175,000 $ 60,000
Orange, Florida 6 $ 1,680,000 $ 280,000 $ 110,000
Worcester, Maryland 6 $ 1,830,000 $ 305,000 $ 152,000
Bell, Texas 6 $ 1,130,000 $ 188,333 $ 51,000
Chesterfield, Virginia 6 $ 1,100,000 $ 183,333 $ 60,000
Fairfax, Virginia 6 $ 2,510,000 $ 418,333 $ 116,000
Manatee, Florida 5 $ 1,715,000 $ 343,000 $ 138,000
Caroline, Maryland 5 $ 1,555,000 $ 311,000 $ 107,000
Cecil, Maryland 5 $ 1,135,000 $ 227,000 $ 66,000
Wicomico, Maryland 5 $ 945,000 $ 189,000 $ 69,000
Northampton, Pennsylvania 5 $ 1,295,000 $ 259,000 $ 103,000
Frederick, Virginia 5 $ 1,285,000 $ 257,000 $ 119,000
Lake, Florida 4 $ 1,320,000 $ 330,000 $ 111,000
Monroe, Pennsylvania 4 $ 720,000 $ 180,000 $ 170,000
Williamson, Texas 4 $ 1,010,000 $ 252,500 $ 50,000
New Castle, Delaware 3 $ 665,000 $ 221,666 $ 81,000
Brevard, Florida 3 $ 695,000 $ 231,666 $ 47,000
Indian River, Florida 3 $ 885,000 $ 295,000 $ 102,000
Garrett, Maryland 3 $ 695,000 $ 231,666 $ 79,000
Adams, Pennsylvania 3 $ 605,000 $ 201,666 $ 86,000
Allegheny, Pennsylvania 3 $ 905,000 $ 301,666 $ 125,000
Delaware, Pennsylvania 3 $ 575,000 $ 191,666 $ 76,000
Erie, Pennsylvania 3 $ 435,000 $ 145,000 $ 96,000
Montgomery, Pennsylvania 3 $ 585,000 $ 195,000 $ 120,000
Brazoria, Texas 3 $ 705,000 $ 235,000 $ 20,000
Hidalgo, Texas 3 $ 525,000 $ 175,000 $ 79,000
Smith, Texas 3 $ 515,000 $ 171,666 $ 11,000
Tarrant, Texas 3 $ 825,000 $ 275,000 $ 101,000
Travis, Texas 3 $ 2,085,000 $ 695,000 $ 263,000
Chesapeake, Virginia 3 $ 555,000 $ 185,000 $ 50,000
King George, Virginia 3 $ 1,085,000 $ 361,666 $ 132,000
Loudoun, Virginia 3 $ 1,485,000 $ 495,000 $ 89,000
Louisa, Virginia 3 $ 975,000 $ 325,000 $ 108,000
Stafford, Virginia 3 $ 915,000 $ 305,000 $ 85,000
Denver, Colorado 2 $ 650,000 $ 325,000 $ 148,000
Charlotte, Florida 2 $ 590,000 $ 295,000 $ 67,000
Citrus, Florida 2 $ 370,000 $ 185,000 $ 86,000
Clay, Florida 2 $ 350,000 $ 175,000 $ 105,000
Hendry, Florida 2 $ 400,000 $ 200,000 $ 72,000
Sarasota, Florida 2 $ 370,000 $ 185,000 $ 41,000
Dorchester, Maryland 2 $ 600,000 $ 300,000 $ 106,000
Talbot, Maryland 2 $ 650,000 $ 325,000 $ 89,000
Lackawanna, Pennsylvania 2 $ 480,000 $ 240,000 $ 42,000
Kaufman, Texas 2 $ 350,000 $ 175,000 $ 93,000
Montgomery, Texas 2 $ 360,000 $ 180,000 $ 25,000
Augusta, Virginia 2 $ 430,000 $ 215,000 $ 70,000
Culpeper, Virginia 2 $ 480,000 $ 240,000 $ 81,000
Hampton, Virginia 2 $ 390,000 $ 195,000 $ 68,000
Norfolk, Virginia 2 $ 450,000 $ 225,000 $ 59,000
Shenandoah, Virginia 2 $ 340,000 $ 170,000 $ 56,000
Pueblo, Colorado 1 $ 175,000 $ 175,000 $ 78,000
Rio Blanco, Colorado 1 $ 215,000 $ 215,000 $ 92,000
Routt, Colorado 1 $ 375,000 $ 375,000 $ 100,000
Kent, Delaware 1 $ 185,000 $ 185,000 $ 60,000
Alachua, Florida 1 $ 105,000 $ 105,000 $ 62,000
Bay, Florida 1 $ 215,000 $ 215,000 $ 117,000
Columbia, Florida 1 $ 305,000 $ 305,000 $ 131,000
DeSoto, Florida 1 $ 255,000 $ 255,000 $ 56,000
Flagler, Florida 1 $ 175,000 $ 175,000 $ 0
Leon, Florida 1 $ 105,000 $ 105,000 $ 201,000
Martin, Florida 1 $ 215,000 $ 215,000 $ 230,000
Nassau, Florida 1 $ 255,000 $ 255,000 $ 0
Santa Rosa, Florida 1 $ 185,000 $ 185,000 $ 0
St. Johns, Florida 1 $ 165,000 $ 165,000 $ 45,000
Monmouth, New Jersey 1 $ 175,000 $ 175,000 $ 61,000
Morris, New Jersey 1 $ 195,000 $ 195,000 $ 69,000
Chester, Pennsylvania 1 $ 165,000 $ 165,000 $ 122,000
Dauphin, Pennsylvania 1 $ 155,000 $ 155,000 $ 44,000
Franklin, Pennsylvania 1 $ 115,000 $ 115,000 $ 97,000
Lancaster, Pennsylvania 1 $ 125,000 $ 125,000 $ 23,000
Lawrence, Pennsylvania 1 $ 175,000 $ 175,000 $ 90,000
Lebanon, Pennsylvania 1 $ 165,000 $ 165,000 $ 65,000
Perry, Pennsylvania 1 $ 165,000 $ 165,000 $ 0
Washington, Pennsylvania 1 $ 185,000 $ 185,000 $ 157,000
Westmoreland, Pennsylvania 1 $ 155,000 $ 155,000 $ 0
Aiken, South Carolina 1 $ 355,000 $ 355,000 $ 106,000
Georgetown, South Carolina 1 $ 165,000 $ 165,000 $ 81,000
Greenville, South Carolina 1 $ 315,000 $ 315,000 $ 51,000
Spartanburg, South Carolina 1 $ 225,000 $ 225,000 $ 83,000
Bee, Texas 1 $ 195,000 $ 195,000 $ 127,000
Collin, Texas 1 $ 165,000 $ 165,000 $ 92,000
Colorado, Texas 1 $ 255,000 $ 255,000 $ 0
Comal, Texas 1 $ 235,000 $ 235,000 $ 159,000
Denton, Texas 1 $ 145,000 $ 145,000 $ 40,000
Eastland, Texas 1 $ 215,000 $ 215,000 $ 0
Ector, Texas 1 $ 145,000 $ 145,000 $ 76,000
El Paso, Texas 1 $ 165,000 $ 165,000 $ 85,000
Fannin, Texas 1 $ 145,000 $ 145,000 $ 54,000
Fort Bend, Texas 1 $ 345,000 $ 345,000 $ 118,000
Freestone, Texas 1 $ 175,000 $ 175,000 $ 274,000
Guadalupe, Texas 1 $ 155,000 $ 155,000 $ 57,000
Hardin, Texas 1 $ 195,000 $ 195,000 $ 100,000
Jasper, Texas 1 $ 165,000 $ 165,000 $ 106,000
Lubbock, Texas 1 $ 135,000 $ 135,000 $ 22,000
McLennan, Texas 1 $ 175,000 $ 175,000 $ 0
Medina, Texas 1 $ 175,000 $ 175,000 $ 83,000
Midland, Texas 1 $ 265,000 $ 265,000 $ 232,000
Orange, Texas 1 $ 165,000 $ 165,000 $ 74,000
Randall, Texas 1 $ 135,000 $ 135,000 $ 120,000
Rockwall, Texas 1 $ 315,000 $ 315,000 $ 0
Taylor, Texas 1 $ 155,000 $ 155,000 $ 0
Tom Green, Texas 1 $ 155,000 $ 155,000 $ 77,000
Val Verde, Texas 1 $ 205,000 $ 205,000 $ 0
Webb, Texas 1 $ 135,000 $ 135,000 $ 111,000
Wichita, Texas 1 $ 215,000 $ 215,000 $ 0
Wood, Texas 1 $ 165,000 $ 165,000 $ 31,000
Bedford, Virginia 1 $ 165,000 $ 165,000 $ 46,000
Campbell, Virginia 1 $ 165,000 $ 165,000 $ 70,000
Colonial Heights, Virginia 1 $ 225,000 $ 225,000 $ 48,000
Franklin, Virginia 1 $ 135,000 $ 135,000 $ 42,000
Greene, Virginia 1 $ 195,000 $ 195,000 $ 66,000
King William, Virginia 1 $ 215,000 $ 215,000 $ 95,000
Manassas, Virginia 1 $ 175,000 $ 175,000 $ 0
Middlesex, Virginia 1 $ 125,000 $ 125,000 $ 40,000
Montgomery, Virginia 1 $ 355,000 $ 355,000 $ 113,000
New Kent, Virginia 1 $ 135,000 $ 135,000 $ 0
Northampton, Virginia 1 $ 255,000 $ 255,000 $ 500,000
Poquoson, Virginia 1 $ 205,000 $ 205,000 $ 64,000
Powhatan, Virginia 1 $ 215,000 $ 215,000 $ 100,000
Prince William, Virginia 1 $ 685,000 $ 685,000 $ 101,000
Pulaski, Virginia 1 $ 145,000 $ 145,000 $ 59,000
Richmond City, Virginia 1 $ 115,000 $ 115,000 $ 54,000
Spotsylvania, Virginia 1 $ 435,000 $ 435,000 $ 148,000
York, 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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