1St Source Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
1St Source Bank 2022 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 Source Bank P O Box 1602 Suite 400 South Bend, IN 46634 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,368 |
| Total Mortgage Loan Application Amount | $528,570,000 |
| Average Mortgage Loan Application Amount | $137,166 |
| Highest Mortgage Loan Application Amount | $23,635,000 |
| Average Applicant Income | $121,500 |
| Highest Applicant Income | $6,819,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with 1St Source Bank. 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 Source Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down 1St Source Bank'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 Source Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by 1St Source Bank, 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 Source Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Joseph County Indiana | 992 | $ 136,610,000 | $ 137,000 | $ 138,000 |
| Elkhart County Indiana | 385 | $ 54,925,000 | $ 142,000 | $ 181,000 |
| Allen County Indiana | 320 | $ 35,160,000 | $ 109,000 | $ 123,000 |
| Porter County Indiana | 237 | $ 29,695,000 | $ 125,000 | $ 106,000 |
| LaPorte County Indiana | 235 | $ 28,385,000 | $ 120,000 | $ 114,000 |
| Marshall County Indiana | 171 | $ 16,325,000 | $ 95,000 | $ 80,000 |
| Kosciusko County Indiana | 127 | $ 24,685,000 | $ 194,000 | $ 222,000 |
| Berrien County Michigan | 126 | $ 17,480,000 | $ 138,000 | $ 114,000 |
| Cass County Michigan | 117 | $ 25,515,000 | $ 218,000 | $ 287,000 |
| Starke County Indiana | 73 | $ 5,515,000 | $ 75,000 | $ 70,000 |
| Huntington County Indiana | 58 | $ 2,960,000 | $ 51,000 | $ 62,000 |
| Tippecanoe County Indiana | 51 | $ 7,695,000 | $ 150,000 | $ 155,000 |
| Fulton County Indiana | 43 | $ 3,955,000 | $ 91,000 | $ 66,000 |
| Whitley County Indiana | 41 | $ 6,275,000 | $ 153,000 | $ 104,000 |
| Wells County Indiana | 37 | $ 2,825,000 | $ 76,000 | $ 80,000 |
| Kalamazoo County Michigan | 24 | $ 5,500,000 | $ 229,000 | $ 244,000 |
| Pulaski County Indiana | 23 | $ 2,375,000 | $ 103,000 | $ 70,000 |
| DeKalb County Indiana | 21 | $ 2,665,000 | $ 126,000 | $ 158,000 |
| Lake County Indiana | 18 | $ 2,950,000 | $ 163,000 | $ 108,000 |
| Lee County Florida | 15 | $ 7,075,000 | $ 471,000 | $ 280,000 |
| Noble County Indiana | 15 | $ 1,475,000 | $ 98,000 | $ 102,000 |
| Sarasota County Florida | 13 | $ 18,925,000 | $ 1,455,000 | $ 404,000 |
| Jasper County Indiana | 13 | $ 1,085,000 | $ 83,000 | $ 102,000 |
| St. Joseph County Michigan | 12 | $ 2,650,000 | $ 220,000 | $ 249,000 |
| Van Buren County Michigan | 12 | $ 1,810,000 | $ 150,000 | $ 184,000 |
| Marion County Indiana | 11 | $ 26,215,000 | $ 2,383,000 | $ 171,000 |
| Steuben County Indiana | 11 | $ 2,925,000 | $ 265,000 | $ 182,000 |
| Hamilton County Indiana | 10 | $ 2,740,000 | $ 274,000 | $ 266,000 |
| LaGrange County Indiana | 8 | $ 3,040,000 | $ 380,000 | $ 258,000 |
| Adams County Indiana | 7 | $ 775,000 | $ 110,000 | $ 54,000 |
| Wabash County Indiana | 7 | $ 905,000 | $ 129,000 | $ 75,000 |
| Collier County Florida | 5 | $ 5,175,000 | $ 1,035,000 | $ 752,000 |
| Cook County Illinois | 5 | $ 2,185,000 | $ 437,000 | $ 480,000 |
| Washtenaw County Michigan | 5 | $ 1,765,000 | $ 353,000 | $ 306,000 |
| Carroll County Indiana | 4 | $ 1,180,000 | $ 295,000 | $ 415,000 |
| Miami County Indiana | 4 | $ 470,000 | $ 117,000 | $ 56,000 |
| White County Indiana | 4 | $ 260,000 | $ 65,000 | $ 404,000 |
| Bay County Florida | 3 | $ 735,000 | $ 245,000 | $ 150,000 |
| Charlotte County Florida | 3 | $ 1,015,000 | $ 338,000 | $ 148,000 |
| Manatee County Florida | 3 | $ 945,000 | $ 315,000 | $ 314,000 |
| Marion County Florida | 3 | $ 1,555,000 | $ 518,000 | $ 324,000 |
| Delaware County Indiana | 3 | $ 245,000 | $ 81,000 | $ 37,000 |
| Allegan County Michigan | 3 | $ 835,000 | $ 278,000 | $ 224,000 |
| Barry County Michigan | 3 | $ 525,000 | $ 175,000 | $ 117,000 |
| Macomb County Michigan | 3 | $ 525,000 | $ 175,000 | $ 341,000 |
| Ottawa County Michigan | 3 | $ 375,000 | $ 125,000 | $ 123,000 |
| Maricopa County Arizona | 2 | $ 1,400,000 | $ 700,000 | $ 403,000 |
| Brevard County Florida | 2 | $ 180,000 | $ 90,000 | $ 119,000 |
| Franklin County Florida | 2 | $ 2,280,000 | $ 1,140,000 | $ 390,000 |
| Monroe County Florida | 2 | $ 3,010,000 | $ 1,505,000 | $ 1,099,000 |
| Okaloosa County Florida | 2 | $ 1,360,000 | $ 680,000 | $ 350,000 |
| Orange County Florida | 2 | $ 500,000 | $ 250,000 | $ 1,022,000 |
| DuPage County Illinois | 2 | $ 1,630,000 | $ 815,000 | $ 810,000 |
| Benton County Indiana | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Grant County Indiana | 2 | $ 180,000 | $ 90,000 | $ 129,000 |
| Howard County Indiana | 2 | $ 240,000 | $ 120,000 | $ 33,000 |
| Monroe County Indiana | 2 | $ 680,000 | $ 340,000 | $ 26,000 |
| Vigo County Indiana | 2 | $ 190,000 | $ 95,000 | $ 180,000 |
| Calhoun County Michigan | 2 | $ 50,000 | $ 25,000 | $ 167,000 |
| Emmet County Michigan | 2 | $ 3,960,000 | $ 1,980,000 | $ 1,762,000 |
| Hillsdale County Michigan | 2 | $ 170,000 | $ 85,000 | $ 60,000 |
| Riverside County California | 1 | $ 105,000 | $ 105,000 | $ 241,000 |
| Montrose County Colorado | 1 | $ 5,000 | $ 5,000 | $ 350,000 |
| New Castle County Delaware | 1 | $ 5,000 | $ 5,000 | $ 150,000 |
| Escambia County Florida | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Hernando County Florida | 1 | $ 175,000 | $ 175,000 | $ 145,000 |
| Highlands County Florida | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Lake County Florida | 1 | $ 205,000 | $ 205,000 | $ 188,000 |
| Martin County Florida | 1 | $ 365,000 | $ 365,000 | $ 97,000 |
| Osceola County Florida | 1 | $ 1,855,000 | $ 1,855,000 | $ 767,000 |
| Palm Beach County Florida | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Pinellas County Florida | 1 | $ 1,425,000 | $ 1,425,000 | $ 392,000 |
| Polk County Florida | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| St. Johns County Florida | 1 | $ 455,000 | $ 455,000 | $ 244,000 |
| Sumter County Florida | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Volusia County Florida | 1 | $ 495,000 | $ 495,000 | $ 147,000 |
| Fannin County Georgia | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Fulton County Georgia | 1 | $ 5,000 | $ 5,000 | $ 85,000 |
| Gilmer County Georgia | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Champaign County Illinois | 1 | $ 5,000 | $ 5,000 | $ 2,000 |
| Bartholomew County Indiana | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Blackford County Indiana | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Boone County Indiana | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Cass County Indiana | 1 | $ 435,000 | $ 435,000 | $ 93,000 |
| Clark County Indiana | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Clinton County Indiana | 1 | $ 55,000 | $ 55,000 | $ 106,000 |
| Dearborn County Indiana | 1 | $ 75,000 | $ 75,000 | $ 123,000 |
| Decatur County Indiana | 1 | $ 605,000 | $ 605,000 | $ 258,000 |
| Hancock County Indiana | 1 | $ 215,000 | $ 215,000 | $ 1,075,000 |
| Harrison County Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hendricks County Indiana | 1 | $ 315,000 | $ 315,000 | $ 77,000 |
| Jay County Indiana | 1 | $ 55,000 | $ 55,000 | $ 134,000 |
| Lawrence County Indiana | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Madison County Indiana | 1 | $ 435,000 | $ 435,000 | $ 290,000 |
| Montgomery County Indiana | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Morgan County Indiana | 1 | $ 95,000 | $ 95,000 | $ 269,000 |
| Newton County Indiana | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Parke County Indiana | 1 | $ 465,000 | $ 465,000 | $ 179,000 |
| Putnam County Indiana | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Rush County Indiana | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Branch County Michigan | 1 | $ 205,000 | $ 205,000 | $ 172,000 |
| Crawford County Michigan | 1 | $ 325,000 | $ 325,000 | $ 412,000 |
| Isabella County Michigan | 1 | $ 55,000 | $ 55,000 | $ 227,000 |
| Kalkaska County Michigan | 1 | $ 355,000 | $ 355,000 | $ 1,056,000 |
| Kent County Michigan | 1 | $ 575,000 | $ 575,000 | $ 248,000 |
| Lake County Michigan | 1 | $ 85,000 | $ 85,000 | $ 135,000 |
| Manistee County Michigan | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Montcalm County Michigan | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Oakland County Michigan | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Oneida County New York | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Ottawa County Ohio | 1 | $ 95,000 | $ 95,000 | $ 224,000 |
| Northampton County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for 1St Source Bank in 2022
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 | 777 | $227,275,000 | $292,000 | $23,635,000 | $173,000 | $5,800,000 |
| Home Improvement | 738 | $47,310,000 | $64,000 | $3,805,000 | $108,000 | $2,900,000 |
| Other Purpose | 712 | $97,430,000 | $136,000 | $15,005,000 | $171,000 | $6,819,000 |
| Refinancing | 660 | $81,120,000 | $122,000 | $1,505,000 | $146,000 | $4,898,000 |
| Cash-out Refinancing | 400 | $73,270,000 | $183,000 | $4,505,000 | $131,000 | $5,317,000 |
| Not Applicable | 81 | $2,165,000 | $26,000 | $85,000 | $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 |
|---|---|---|---|---|---|---|
| White | 2,648 | $385,240,000 | $145,000 | $4,505,000 | $146,000 | $6,819,000 |
| Hispanic | 215 | $20,285,000 | $94,000 | $405,000 | $76,000 | $300,000 |
| Not Provided | 192 | $60,140,000 | $313,000 | $15,005,000 | $273,000 | $5,800,000 |
| Black or African American | 131 | $15,245,000 | $116,000 | $1,305,000 | $87,000 | $695,000 |
| Not applicable | 101 | $30,185,000 | $298,000 | $23,635,000 | $0 | $0 |
| Asian | 50 | $14,040,000 | $280,000 | $1,335,000 | $228,000 | $744,000 |
| American Indian or Alaskan Native | 19 | $1,645,000 | $86,000 | $245,000 | $65,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $45,000 | $45,000 | $45,000 | $122,000 | $122,000 |
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) | 3,306 | $519,650,000 | $157,000 | $23,635,000 | $149,000 | $6,819,000 |
| FHA-insured (Federal Housing Administration) | 56 | $7,870,000 | $140,000 | $355,000 | $63,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,050,000 | $175,000 | $215,000 | $52,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,382 | $397,350,000 | $166,000 | $23,635,000 | $160,000 | $6,819,000 |
| Application Denied By Financial Institution | 470 | $49,780,000 | $105,000 | $4,505,000 | $89,000 | $4,860,000 |
| Application Withdrawn By Applicant | 251 | $49,645,000 | $197,000 | $1,765,000 | $117,000 | $1,995,000 |
| Application Approved But Not Accepted | 182 | $29,300,000 | $160,000 | $2,945,000 | $168,000 | $5,800,000 |
| Loan Purchased By The Institution | 81 | $2,165,000 | $26,000 | $85,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $330,000 | $165,000 | $205,000 | $104,000 | $147,000 |
| 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 | 2,898 | $478,790,000 | $165,000 | $23,635,000 | $156,000 | $6,819,000 |
| Credit History | 218 | $17,490,000 | $80,000 | $4,505,000 | $104,000 | $4,860,000 |
| Debt-To-Income Ratio | 154 | $17,920,000 | $116,000 | $3,805,000 | $54,000 | $332,000 |
| Collateral | 43 | $4,635,000 | $107,000 | $825,000 | $94,000 | $390,000 |
| Credit Application Incomplete | 27 | $6,135,000 | $227,000 | $1,205,000 | $122,000 | $612,000 |
| Other | 21 | $2,465,000 | $117,000 | $705,000 | $160,000 | $786,000 |
| Unverifiable Information | 7 | $1,135,000 | $162,000 | $385,000 | $137,000 | $357,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 Source Bank's 2022 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 Source Bank'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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.