First Bank Mortgage Lending & HMDA Data, 2003

In 2003, First Bank of Saint Louis, MO reported 32,048 mortgage applications totaling $4.5 billion. The average application was for $141,278, and applicants reported an average income of $69,820. 51% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Los Angeles-Long Beach, CA (3,972), Riverside-San Bernardino, CA (3,530) and St. Louis, MO-IL (2,426) (applications in parentheses).

Mortgage Company & Address First Bank
11901 Olive Boulevard
Saint Louis, MO 63141
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 32,048
Total Mortgage Loan Application Amount $4,527,694,000
Average Mortgage Loan Application Amount $141,278
Highest Mortgage Loan Application Amount $15,750,000
Average Applicant Income $69,820
Highest Applicant Income $4,980,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 First Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 3,972 $ 772,544,000 $ 194,497 $ 79,000
San Bernardino, California 1,797 $ 266,801,000 $ 148,470 $ 69,000
Riverside, California 1,733 $ 271,820,000 $ 156,849 $ 74,000
Orange, California 1,280 $ 278,561,000 $ 217,625 $ 96,000
St. Louis, Missouri 1,227 $ 168,819,000 $ 137,586 $ 56,000
Ventura, California 724 $ 163,060,000 $ 225,220 $ 88,000
St. Clair, Illinois 696 $ 58,022,000 $ 83,364 $ 43,000
Clark, Nevada 633 $ 89,127,000 $ 140,800 $ 76,000
Clinton, Illinois 619 $ 53,457,000 $ 86,360 $ 48,000
San Joaquin, California 590 $ 88,232,000 $ 149,545 $ 82,000
Harris, Texas 574 $ 45,018,000 $ 78,428 $ 65,000
Maricopa, Arizona 454 $ 53,726,000 $ 118,339 $ 82,000
Sacramento, California 444 $ 81,305,000 $ 183,119 $ 80,000
Santa Barbara, California 431 $ 95,239,000 $ 220,972 $ 92,000
St. Charles, Missouri 419 $ 43,453,000 $ 103,706 $ 48,000
San Diego, California 403 $ 92,473,000 $ 229,461 $ 95,000
Cook, Illinois 396 $ 62,083,000 $ 156,775 $ 91,000
Madison, Illinois 370 $ 33,111,000 $ 89,489 $ 46,000
Solano, California 362 $ 67,905,000 $ 187,582 $ 87,000
Knox, Illinois 342 $ 22,682,000 $ 66,321 $ 33,000
Santa Clara, California 337 $ 101,726,000 $ 301,857 $ 111,000
Franklin, Missouri 332 $ 28,404,000 $ 85,554 $ 38,000
Adams, Illinois 276 $ 20,679,000 $ 74,923 $ 36,000
Jersey, Illinois 247 $ 17,087,000 $ 69,178 $ 46,000
Gasconade, Missouri 239 $ 18,104,000 $ 75,748 $ 39,000
Randolph, Illinois 231 $ 15,907,000 $ 68,861 $ 42,000
Contra Costa, California 211 $ 40,489,000 $ 191,890 $ 99,000
Santa Cruz, California 198 $ 56,503,000 $ 285,368 $ 106,000
Monroe, Illinois 186 $ 18,280,000 $ 98,279 $ 46,000
Wayne, Michigan 181 $ 20,486,000 $ 113,182 $ 64,000
Kern, California 168 $ 15,961,000 $ 95,005 $ 64,000
Stanislaus, California 164 $ 24,847,000 $ 151,506 $ 70,000
St. Louis City, Missouri 156 $ 25,756,000 $ 165,102 $ 62,000
Alameda, California 143 $ 39,513,000 $ 276,314 $ 104,000
Warren, Missouri 134 $ 14,781,000 $ 110,305 $ 30,000
Fresno, California 133 $ 17,064,000 $ 128,300 $ 69,000
Jefferson, Missouri 132 $ 11,799,000 $ 89,386 $ 39,000
Peoria, Illinois 118 $ 8,028,000 $ 68,033 $ 39,000
St. Francois, Missouri 118 $ 6,142,000 $ 52,050 $ 36,000
Ste. Genevieve, Missouri 117 $ 6,633,000 $ 56,692 $ 38,000
Broward, Florida 113 $ 12,974,000 $ 114,814 $ 56,000
Fort Bend, Texas 113 $ 13,071,000 $ 115,672 $ 71,000
Bond, Illinois 112 $ 5,955,000 $ 53,169 $ 40,000
Orange, Florida 108 $ 11,338,000 $ 104,981 $ 59,000
Shelby, Tennessee 107 $ 13,000,000 $ 121,495 $ 71,000
Hillsborough, Florida 106 $ 11,524,000 $ 108,716 $ 65,000
Miami-Dade, Florida 103 $ 13,857,000 $ 134,533 $ 119,000
Fulton, Illinois 103 $ 5,368,000 $ 52,116 $ 37,000
Macoupin, Illinois 102 $ 7,582,000 $ 74,333 $ 45,000
Franklin, Illinois 100 $ 4,118,000 $ 41,180 $ 46,000
Lawrence, Illinois 100 $ 5,983,000 $ 59,830 $ 44,000
Dallas, Texas 95 $ 8,827,000 $ 92,915 $ 74,000
Jackson, Missouri 94 $ 8,312,000 $ 88,425 $ 67,000
Greene, Illinois 92 $ 4,035,000 $ 43,858 $ 35,000
Marion, Indiana 92 $ 9,179,000 $ 99,771 $ 57,000
Pike, Illinois 89 $ 4,962,000 $ 55,752 $ 35,000
Pierce, Washington 89 $ 10,663,000 $ 119,808 $ 68,000
Placer, California 88 $ 15,966,000 $ 181,431 $ 87,000
Pinellas, Florida 85 $ 8,257,000 $ 97,141 $ 55,000
El Dorado, California 83 $ 19,498,000 $ 234,915 $ 102,000
Mason, Illinois 82 $ 4,365,000 $ 53,231 $ 35,000
Whiteside, Illinois 82 $ 5,902,000 $ 71,975 $ 33,000
San Luis Obispo, California 80 $ 17,072,000 $ 213,400 $ 73,000
Montgomery, Texas 76 $ 9,145,000 $ 120,328 $ 71,000
Scott, Illinois 72 $ 3,703,000 $ 51,430 $ 41,000
Imperial, California 71 $ 7,038,000 $ 99,126 $ 66,000
Oakland, Michigan 71 $ 12,257,000 $ 172,633 $ 87,000
San Mateo, California 68 $ 22,986,000 $ 338,029 $ 128,000
Fayette, Illinois 68 $ 3,427,000 $ 50,397 $ 35,000
Montgomery, Missouri 68 $ 4,702,000 $ 69,147 $ 51,000
Napa, California 65 $ 11,606,000 $ 178,553 $ 125,000
Polk, Iowa 65 $ 5,533,000 $ 85,123 $ 69,000
Mohave, Arizona 61 $ 5,272,000 $ 86,426 $ 53,000
El Paso, Colorado 60 $ 6,764,000 $ 112,733 $ 67,000
Palm Beach, Florida 60 $ 6,377,000 $ 106,283 $ 54,000
Jackson, Illinois 55 $ 3,315,000 $ 60,272 $ 52,000
Wake, North Carolina 55 $ 6,707,000 $ 121,945 $ 78,000
Salt Lake, Utah 55 $ 6,130,000 $ 111,454 $ 160,000
Macomb, Michigan 54 $ 7,516,000 $ 139,185 $ 66,000
Marion, Illinois 53 $ 1,846,000 $ 34,830 $ 39,000
Sangamon, Illinois 53 $ 3,950,000 $ 74,528 $ 31,000
Hillsborough, New Hampshire 51 $ 11,159,000 $ 218,803 $ 84,000
Volusia, Florida 50 $ 4,499,000 $ 89,980 $ 53,000
Genesee, Michigan 50 $ 5,238,000 $ 104,760 $ 61,000
Hamilton, Ohio 49 $ 4,082,000 $ 83,306 $ 54,000
Weld, Colorado 48 $ 4,185,000 $ 87,187 $ 61,000
San Francisco, California 47 $ 12,942,000 $ 275,361 $ 139,000
Williamson, Illinois 47 $ 2,545,000 $ 54,148 $ 47,000
New Haven, Connecticut 46 $ 4,849,000 $ 105,413 $ 55,000
Duval, Florida 46 $ 4,574,000 $ 99,434 $ 65,000
King, Washington 46 $ 7,366,000 $ 160,130 $ 71,000
Merced, California 45 $ 6,426,000 $ 142,800 $ 80,000
Hartford, Connecticut 45 $ 5,984,000 $ 132,977 $ 65,000
Montgomery, Ohio 45 $ 3,810,000 $ 84,666 $ 58,000
Stark, Ohio 44 $ 4,415,000 $ 100,340 $ 43,000
Brevard, Florida 43 $ 4,604,000 $ 107,069 $ 52,000
Oklahoma, Oklahoma 43 $ 3,204,000 $ 74,511 $ 55,000
Brazoria, Texas 43 $ 5,658,000 $ 131,581 $ 70,000
Summit, Ohio 42 $ 4,123,000 $ 98,166 $ 62,000
Arapahoe, Colorado 41 $ 6,637,000 $ 161,878 $ 97,000
Lee, Florida 41 $ 5,138,000 $ 125,317 $ 74,000
Pasco, Florida 41 $ 3,704,000 $ 90,341 $ 52,000
Marion, Florida 40 $ 3,621,000 $ 90,525 $ 61,000
Franklin, Ohio 40 $ 3,764,000 $ 94,100 $ 58,000
Washington, Utah 40 $ 3,658,000 $ 91,450 $ 71,000
Providence, Rhode Island 39 $ 7,128,000 $ 182,769 $ 92,000
Galveston, Texas 39 $ 3,692,000 $ 94,666 $ 77,000
Snohomish, Washington 39 $ 6,118,000 $ 156,871 $ 63,000
Butte, California 38 $ 4,980,000 $ 131,052 $ 59,000
Monterey, California 38 $ 7,487,000 $ 197,026 $ 96,000
Jefferson, Kentucky 38 $ 3,631,000 $ 95,552 $ 44,000
Pima, Arizona 37 $ 3,750,000 $ 101,351 $ 60,000
Morgan, Illinois 37 $ 1,719,000 $ 46,459 $ 36,000
Clackamas, Oregon 37 $ 5,745,000 $ 155,270 $ 81,000
El Paso, Texas 37 $ 2,817,000 $ 76,135 $ 76,000
Adams, Colorado 36 $ 4,364,000 $ 121,222 $ 89,000
Polk, Florida 36 $ 3,223,000 $ 89,527 $ 50,000
DuPage, Illinois 36 $ 5,855,000 $ 162,638 $ 55,000
Will, Illinois 36 $ 5,520,000 $ 153,333 $ 91,000
Hampden, Massachusetts 36 $ 4,073,000 $ 113,138 $ 56,000
Kent, Michigan 34 $ 3,032,000 $ 89,176 $ 46,000
Prince George's, Maryland 33 $ 5,640,000 $ 170,909 $ 62,000
Bristol, Massachusetts 33 $ 5,223,000 $ 158,272 $ 58,000
Multnomah, Oregon 33 $ 5,281,000 $ 160,030 $ 113,000
Sonoma, California 32 $ 7,792,000 $ 243,500 $ 96,000
Essex, Massachusetts 32 $ 6,688,000 $ 209,000 $ 98,000
Osceola, Florida 31 $ 3,030,000 $ 97,741 $ 68,000
Hennepin, Minnesota 31 $ 4,287,000 $ 138,290 $ 81,000
Camden, Missouri 31 $ 3,547,000 $ 114,419 $ 124,000
Tarrant, Texas 31 $ 2,584,000 $ 83,354 $ 64,000
Virginia Beach, Virginia 31 $ 3,318,000 $ 107,032 $ 75,000
Leon, Florida 30 $ 3,280,000 $ 109,333 $ 54,000
Kane, Illinois 29 $ 4,412,000 $ 152,137 $ 62,000
Knox, Tennessee 29 $ 2,650,000 $ 91,379 $ 49,000
Collin, Texas 29 $ 2,791,000 $ 96,241 $ 72,000
Pulaski, Arkansas 28 $ 2,452,000 $ 87,571 $ 50,000
Tulare, California 28 $ 2,621,000 $ 93,607 $ 65,000
Calaveras, California 27 $ 5,063,000 $ 187,518 $ 83,000
Fairfield, Connecticut 27 $ 4,381,000 $ 162,259 $ 80,000
Johnson, Kansas 27 $ 2,641,000 $ 97,814 $ 63,000
Middlesex, Massachusetts 27 $ 5,408,000 $ 200,296 $ 75,000
Calhoun, Michigan 27 $ 2,116,000 $ 78,370 $ 58,000
Muskegon, Michigan 27 $ 2,149,000 $ 79,592 $ 45,000
Washoe, Nevada 27 $ 4,720,000 $ 174,814 $ 84,000
Bernalillo, New Mexico 27 $ 2,817,000 $ 104,333 $ 51,000
Davis, Utah 27 $ 2,907,000 $ 107,666 $ 64,000
Clark, Washington 27 $ 3,668,000 $ 135,851 $ 68,000
Escambia, Florida 26 $ 1,905,000 $ 73,269 $ 55,000
Sarasota, Florida 26 $ 3,700,000 $ 142,307 $ 51,000
Ada, Idaho 26 $ 2,944,000 $ 113,230 $ 56,000
Lincoln, Missouri 26 $ 2,813,000 $ 108,192 $ 51,000
Chesapeake, Virginia 26 $ 3,024,000 $ 116,307 $ 66,000
Yolo, California 25 $ 4,779,000 $ 191,160 $ 99,000
Travis, Texas 25 $ 3,223,000 $ 128,920 $ 99,000
Denver, Colorado 24 $ 4,100,000 $ 170,833 $ 73,000
Seminole, Florida 24 $ 2,314,000 $ 96,416 $ 67,000
Allen, Indiana 24 $ 2,224,000 $ 92,666 $ 59,000
Wyandotte, Kansas 24 $ 1,675,000 $ 69,791 $ 50,000
Plymouth, Massachusetts 23 $ 5,015,000 $ 218,043 $ 71,000
Hidalgo, Texas 23 $ 1,270,000 $ 55,217 $ 39,000
Marin, California 22 $ 4,713,000 $ 214,227 $ 158,000
St. Lucie, Florida 22 $ 2,168,000 $ 98,545 $ 47,000
Durham, North Carolina 22 $ 2,020,000 $ 91,818 $ 63,000
Utah, Utah 22 $ 3,850,000 $ 175,000 $ 105,000
Fairfax, Virginia 22 $ 4,643,000 $ 211,045 $ 85,000
Pinal, Arizona 21 $ 2,793,000 $ 133,000 $ 140,000
Collier, Florida 21 $ 3,751,000 $ 178,619 $ 45,000
Manatee, Florida 21 $ 2,644,000 $ 125,904 $ 61,000
Ingham, Michigan 21 $ 2,941,000 $ 140,047 $ 83,000
Douglas, Nebraska 21 $ 2,276,000 $ 108,380 $ 63,000
Rockingham, New Hampshire 21 $ 5,088,000 $ 242,285 $ 62,000
Yakima, Washington 21 $ 2,058,000 $ 98,000 $ 65,000
Anchorage, Alaska 20 $ 3,563,000 $ 178,150 $ 97,000
Lake, Indiana 20 $ 1,919,000 $ 95,950 $ 51,000
Norfolk, Massachusetts 20 $ 4,237,000 $ 211,850 $ 78,000
Worcester, Massachusetts 20 $ 4,003,000 $ 200,150 $ 111,000
Livingston, Michigan 20 $ 2,409,000 $ 120,450 $ 84,000
Crawford, Missouri 20 $ 1,746,000 $ 87,300 $ 32,000
Merrimack, New Hampshire 20 $ 3,270,000 $ 163,500 $ 69,000
Deschutes, Oregon 20 $ 2,653,000 $ 132,650 $ 59,000
Lane, Oregon 20 $ 2,229,000 $ 111,450 $ 46,000
Davidson, Tennessee 20 $ 2,515,000 $ 125,750 $ 78,000
Madera, California 19 $ 2,636,000 $ 138,736 $ 59,000
Nevada, California 19 $ 3,435,000 $ 180,789 $ 86,000
Hernando, Florida 19 $ 1,556,000 $ 81,894 $ 40,000
Sedgwick, Kansas 19 $ 1,884,000 $ 99,157 $ 53,000
Lapeer, Michigan 19 $ 2,220,000 $ 116,842 $ 82,000
Callaway, Missouri 19 $ 1,433,000 $ 75,421 $ 35,000
Spokane, Washington 19 $ 1,862,000 $ 98,000 $ 48,000
Douglas, Colorado 18 $ 3,615,000 $ 200,833 $ 116,000
New London, Connecticut 18 $ 2,458,000 $ 136,555 $ 69,000
Clark, Indiana 18 $ 1,290,000 $ 71,666 $ 59,000
Hamilton, Indiana 18 $ 2,337,000 $ 129,833 $ 90,000
Hinds, Mississippi 18 $ 1,194,000 $ 66,333 $ 60,000
Marion, Missouri 18 $ 1,611,000 $ 89,500 $ 72,000
Allegheny, Pennsylvania 18 $ 1,353,000 $ 75,166 $ 61,000
Yavapai, Arizona 17 $ 2,161,000 $ 127,117 $ 73,000
Yuba, California 17 $ 1,632,000 $ 96,000 $ 55,000
Tazewell, Illinois 17 $ 1,485,000 $ 87,352 $ 27,000
Butler, Ohio 17 $ 1,629,000 $ 95,823 $ 60,000
Bexar, Texas 17 $ 1,320,000 $ 77,647 $ 61,000
Milwaukee, Wisconsin 17 $ 1,488,000 $ 87,529 $ 53,000
Lake, California 16 $ 2,860,000 $ 178,750 $ 71,000
Kootenai, Idaho 16 $ 1,508,000 $ 94,250 $ 54,000
Lancaster, Nebraska 16 $ 1,709,000 $ 106,812 $ 70,000
Strafford, New Hampshire 16 $ 2,649,000 $ 165,562 $ 56,000
Williamson, Texas 16 $ 1,859,000 $ 116,187 $ 79,000
Henrico, Virginia 16 $ 1,647,000 $ 102,937 $ 66,000
Alachua, Florida 15 $ 1,957,000 $ 130,466 $ 82,000
Flagler, Florida 15 $ 1,729,000 $ 115,266 $ 59,000
Warren, Illinois 15 $ 1,018,000 $ 67,866 $ 32,000
Washington, Illinois 15 $ 883,000 $ 58,866 $ 31,000
Woodbury, Iowa 15 $ 1,046,000 $ 69,733 $ 34,000
Allegan, Michigan 15 $ 1,696,000 $ 113,066 $ 72,000
Santa Fe, New Mexico 15 $ 1,799,000 $ 119,933 $ 59,000
Marion, Oregon 15 $ 1,864,000 $ 124,266 $ 59,000
Union, Oregon 15 $ 1,243,000 $ 82,866 $ 47,000
Denton, Texas 15 $ 1,574,000 $ 104,933 $ 61,000
Norfolk, Virginia 15 $ 2,229,000 $ 148,600 $ 74,000
Boulder, Colorado 14 $ 2,035,000 $ 145,357 $ 61,000
Windham, Connecticut 14 $ 2,186,000 $ 156,142 $ 75,000
Lake, Florida 14 $ 1,388,000 $ 99,142 $ 47,000
Vanderburgh, Indiana 14 $ 1,045,000 $ 74,642 $ 40,000
Anoka, Minnesota 14 $ 2,037,000 $ 145,500 $ 74,000
Dakota, Minnesota 14 $ 3,153,000 $ 225,214 $ 163,000
Clay, Missouri 14 $ 1,409,000 $ 100,642 $ 44,000
Washington, Missouri 14 $ 788,000 $ 56,285 $ 43,000
Loudoun, Virginia 14 $ 2,610,000 $ 186,428 $ 80,000
Kitsap, Washington 14 $ 1,421,000 $ 101,500 $ 45,000
Amador, California 13 $ 2,370,000 $ 182,307 $ 107,000
Kings, California 13 $ 1,138,000 $ 87,538 $ 52,000
Litchfield, Connecticut 13 $ 1,765,000 $ 135,769 $ 62,000
Linn, Iowa 13 $ 965,000 $ 74,230 $ 50,000
Fayette, Kentucky 13 $ 1,145,000 $ 88,076 $ 61,000
Montgomery, Maryland 13 $ 1,990,000 $ 153,076 $ 60,000
Dona Ana, New Mexico 13 $ 1,373,000 $ 105,615 $ 66,000
Warren, Ohio 13 $ 1,491,000 $ 114,692 $ 57,000
Washington, Oregon 13 $ 1,934,000 $ 148,769 $ 67,000
Philadelphia, Pennsylvania 13 $ 2,086,000 $ 160,461 $ 79,000
Waller, Texas 13 $ 1,517,000 $ 116,692 $ 64,000
Prince William, Virginia 13 $ 2,744,000 $ 211,076 $ 98,000
Lewis, Washington 13 $ 853,000 $ 65,615 $ 36,000
Pueblo, Colorado 12 $ 915,000 $ 76,250 $ 57,000
Bay, Florida 12 $ 1,161,000 $ 96,750 $ 50,000
Henry, Illinois 12 $ 1,074,000 $ 89,500 $ 63,000
Elkhart, Indiana 12 $ 919,000 $ 76,583 $ 47,000
Christian, Kentucky 12 $ 673,000 $ 56,083 $ 36,000
East Baton Rouge, Louisiana 12 $ 754,000 $ 62,833 $ 53,000
Suffolk, Massachusetts 12 $ 3,301,000 $ 275,083 $ 84,000
Ottawa, Michigan 12 $ 1,247,000 $ 103,916 $ 51,000
Washtenaw, Michigan 12 $ 1,969,000 $ 164,083 $ 88,000
Broadwater, Montana 12 $ 937,000 $ 78,083 $ 42,000
Nye, Nevada 12 $ 1,215,000 $ 101,250 $ 52,000
Belknap, New Hampshire 12 $ 1,992,000 $ 166,000 $ 63,000
Fulton, Ohio 12 $ 600,000 $ 50,000 $ 29,000
Beaver, Pennsylvania 12 $ 1,222,000 $ 101,833 $ 52,000
Cameron, Texas 12 $ 787,000 $ 65,583 $ 50,000
Weber, Utah 12 $ 1,097,000 $ 91,416 $ 62,000
Hanover, Virginia 12 $ 1,299,000 $ 108,250 $ 65,000
Thurston, Washington 12 $ 1,766,000 $ 147,166 $ 64,000
Cochise, Arizona 11 $ 848,000 $ 77,090 $ 47,000
Sutter, California 11 $ 1,426,000 $ 129,636 $ 71,000
Tehama, California 11 $ 1,295,000 $ 117,727 $ 44,000
Jefferson, Colorado 11 $ 1,378,000 $ 125,272 $ 102,000
Charlotte, Florida 11 $ 959,000 $ 87,181 $ 49,000
Okaloosa, Florida 11 $ 1,304,000 $ 118,545 $ 55,000
Kenton, Kentucky 11 $ 1,281,000 $ 116,454 $ 59,000
Penobscot, Maine 11 $ 1,103,000 $ 100,272 $ 52,000
Kalamazoo, Michigan 11 $ 1,040,000 $ 94,545 $ 61,000
Ramsey, Minnesota 11 $ 1,347,000 $ 122,454 $ 58,000
Maries, Missouri 11 $ 658,000 $ 59,818 $ 38,000
Lewis and Clark, Montana 11 $ 1,255,000 $ 114,090 $ 74,000
Cleveland, Oklahoma 11 $ 1,157,000 $ 105,181 $ 55,000
Newport, Rhode Island 11 $ 848,000 $ 77,090 $ 40,000
Jefferson, Texas 11 $ 559,000 $ 50,818 $ 54,000
Liberty, Texas 11 $ 1,106,000 $ 100,545 $ 60,000
Newport News, Virginia 11 $ 1,047,000 $ 95,181 $ 67,000
Washington, Wisconsin 11 $ 964,000 $ 87,636 $ 65,000
Mesa, Colorado 10 $ 936,000 $ 93,600 $ 62,000
Clay, Florida 10 $ 1,235,000 $ 123,500 $ 80,000
St. Johns, Florida 10 $ 1,689,000 $ 168,900 $ 73,000
McDonough, Illinois 10 $ 700,000 $ 70,000 $ 32,000
McHenry, Illinois 10 $ 1,486,000 $ 148,600 $ 72,000
Montgomery, Illinois 10 $ 440,000 $ 44,000 $ 42,000
Dallas, Iowa 10 $ 1,116,000 $ 111,600 $ 128,000
Boone, Kentucky 10 $ 1,995,000 $ 199,500 $ 65,000
Berrien, Michigan 10 $ 1,578,000 $ 157,800 $ 78,000
Eaton, Michigan 10 $ 1,065,000 $ 106,500 $ 50,000
Olmsted, Minnesota 10 $ 935,000 $ 93,500 $ 45,000
Harrison, Mississippi 10 $ 839,000 $ 83,900 $ 56,000
Boone, Missouri 10 $ 600,000 $ 60,000 $ 53,000
Mahoning, Ohio 10 $ 797,000 $ 79,700 $ 38,000
Tulsa, Oklahoma 10 $ 1,166,000 $ 116,600 $ 65,000
Erie, Pennsylvania 10 $ 848,000 $ 84,800 $ 73,000
Navajo, Arizona 9 $ 546,000 $ 60,666 $ 69,000
Shasta, California 9 $ 1,078,000 $ 119,777 $ 76,000
Santa Rosa, Florida 9 $ 806,000 $ 89,555 $ 55,000
Canyon, Idaho 9 $ 961,000 $ 106,777 $ 43,000
Lee, Illinois 9 $ 908,000 $ 100,888 $ 10,000
Shawnee, Kansas 9 $ 657,000 $ 73,000 $ 46,000
Hardin, Kentucky 9 $ 726,000 $ 80,666 $ 48,000
Baltimore, Maryland 9 $ 1,677,000 $ 186,333 $ 64,000
St. Clair, Michigan 9 $ 1,400,000 $ 155,555 $ 82,000
Rankin, Mississippi 9 $ 983,000 $ 109,222 $ 47,000
Howell, Missouri 9 $ 530,000 $ 58,888 $ 41,000
Johnston, North Carolina 9 $ 896,000 $ 99,555 $ 65,000
Lucas, Ohio 9 $ 1,056,000 $ 117,333 $ 58,000
Umatilla, Oregon 9 $ 866,000 $ 96,222 $ 61,000
Sevier, Tennessee 9 $ 902,000 $ 100,222 $ 59,000
Washington, Tennessee 9 $ 955,000 $ 106,111 $ 38,000
Victoria, Texas 9 $ 634,000 $ 70,444 $ 71,000
Richmond City, Virginia 9 $ 803,000 $ 89,222 $ 39,000
Spotsylvania, Virginia 9 $ 1,076,000 $ 119,555 $ 63,000
Santa Cruz, Arizona 8 $ 628,000 $ 78,500 $ 36,000
Middlesex, Connecticut 8 $ 1,119,000 $ 139,875 $ 70,000
Calhoun, Illinois 8 $ 918,000 $ 114,750 $ 54,000
Jefferson, Illinois 8 $ 561,000 $ 70,125 $ 54,000
Lake, Illinois 8 $ 1,685,000 $ 210,625 $ 82,000
Jackson, Michigan 8 $ 962,000 $ 120,250 $ 44,000
Lenawee, Michigan 8 $ 1,013,000 $ 126,625 $ 55,000
Cass, Missouri 8 $ 851,000 $ 106,375 $ 49,000
Jasper, Missouri 8 $ 633,000 $ 79,125 $ 51,000
Platte, Missouri 8 $ 1,063,000 $ 132,875 $ 109,000
Carroll, New Hampshire 8 $ 1,140,000 $ 142,500 $ 56,000
Nassau, New York 8 $ 1,727,000 $ 215,875 $ 78,000
Rockland, New York 8 $ 1,730,000 $ 216,250 $ 79,000
Suffolk, New York 8 $ 1,500,000 $ 187,500 $ 70,000
Mecklenburg, North Carolina 8 $ 796,000 $ 99,500 $ 41,000
Miami, Ohio 8 $ 1,540,000 $ 192,500 $ 92,000
Lexington, South Carolina 8 $ 629,000 $ 78,625 $ 37,000
Madison, Tennessee 8 $ 1,909,000 $ 238,625 $ 275,000
Tooele, Utah 8 $ 946,000 $ 118,250 $ 109,000
Benton, Washington 8 $ 849,000 $ 106,125 $ 60,000
Coconino, Arizona 7 $ 736,000 $ 105,142 $ 38,000
Mendocino, California 7 $ 1,609,000 $ 229,857 $ 340,000
Tuolumne, California 7 $ 1,543,000 $ 220,428 $ 76,000
Morgan, Colorado 7 $ 501,000 $ 71,571 $ 39,000
Tolland, Connecticut 7 $ 1,278,000 $ 182,571 $ 88,000
Tippecanoe, Indiana 7 $ 611,000 $ 87,285 $ 59,000
Black Hawk, Iowa 7 $ 483,000 $ 69,000 $ 70,000
Clark, Kentucky 7 $ 393,000 $ 56,142 $ 45,000
Scott, Kentucky 7 $ 719,000 $ 102,714 $ 59,000
Barnstable, Massachusetts 7 $ 1,167,000 $ 166,714 $ 72,000
Buchanan, Missouri 7 $ 336,000 $ 48,000 $ 38,000
Greene, Missouri 7 $ 448,000 $ 64,000 $ 54,000
Lewis, Missouri 7 $ 429,000 $ 61,285 $ 30,000
Lea, New Mexico 7 $ 530,000 $ 75,714 $ 43,000
San Juan, New Mexico 7 $ 714,000 $ 102,000 $ 68,000
Ashtabula, Ohio 7 $ 557,000 $ 79,571 $ 59,000
Lake, Ohio 7 $ 458,000 $ 65,428 $ 45,000
Jackson, Oregon 7 $ 1,061,000 $ 151,571 $ 46,000
Blount, Tennessee 7 $ 766,000 $ 109,428 $ 57,000
Rutherford, Tennessee 7 $ 1,166,000 $ 166,571 $ 54,000
Box Elder, Utah 7 $ 708,000 $ 101,142 $ 42,000
Grant, Washington 7 $ 644,000 $ 92,000 $ 49,000
Kittitas, Washington 7 $ 919,000 $ 131,285 $ 74,000
Natrona, Wyoming 7 $ 504,000 $ 72,000 $ 41,000
Yuma, Arizona 6 $ 494,000 $ 82,333 $ 82,000
Humboldt, California 6 $ 985,000 $ 164,166 $ 64,000
Mariposa, California 6 $ 1,004,000 $ 167,333 $ 73,000
San Benito, California 6 $ 1,745,000 $ 290,833 $ 100,000
Chaffee, Colorado 6 $ 828,000 $ 138,000 $ 41,000
Citrus, Florida 6 $ 445,000 $ 74,166 $ 41,000
Martin, Florida 6 $ 1,276,000 $ 212,666 $ 69,000
Bonneville, Idaho 6 $ 490,000 $ 81,666 $ 35,000
Christian, Illinois 6 $ 713,000 $ 118,833 $ 42,000
Macon, Illinois 6 $ 278,000 $ 46,333 $ 44,000
Hendricks, Indiana 6 $ 676,000 $ 112,666 $ 50,000
Putnam, Indiana 6 $ 560,000 $ 93,333 $ 76,000
St. Joseph, Indiana 6 $ 550,000 $ 91,666 $ 57,000
Bremer, Iowa 6 $ 408,000 $ 68,000 $ 47,000
Scott, Iowa 6 $ 589,000 $ 98,166 $ 54,000
Warren, Iowa 6 $ 605,000 $ 100,833 $ 57,000
Leavenworth, Kansas 6 $ 448,000 $ 74,666 $ 44,000
Boyle, Kentucky 6 $ 375,000 $ 62,500 $ 55,000
Campbell, Kentucky 6 $ 438,000 $ 73,000 $ 49,000
Meade, Kentucky 6 $ 585,000 $ 97,500 $ 61,000
Caddo, Louisiana 6 $ 300,000 $ 50,000 $ 33,000
York, Maine 6 $ 977,000 $ 162,833 $ 73,000
Frederick, Maryland 6 $ 874,000 $ 145,666 $ 100,000
Hampshire, Massachusetts 6 $ 942,000 $ 157,000 $ 83,000
Shiawassee, Michigan 6 $ 589,000 $ 98,166 $ 50,000
St. Joseph, Michigan 6 $ 577,000 $ 96,166 $ 43,000
Scott, Minnesota 6 $ 1,466,000 $ 244,333 $ 81,000
St. Louis, Minnesota 6 $ 508,000 $ 84,666 $ 58,000
DeSoto, Mississippi 6 $ 643,000 $ 107,166 $ 62,000
Jackson, Mississippi 6 $ 397,000 $ 66,166 $ 64,000
Cole, Missouri 6 $ 377,000 $ 62,833 $ 32,000
Perry, Missouri 6 $ 540,000 $ 90,000 $ 35,000
Stone, Missouri 6 $ 783,000 $ 130,500 $ 76,000
Cascade, Montana 6 $ 1,060,000 $ 176,666 $ 98,000
Flathead, Montana 6 $ 383,000 $ 63,833 $ 40,000
Silver Bow, Montana 6 $ 356,000 $ 59,333 $ 38,000
Cheshire, New Hampshire 6 $ 867,000 $ 144,500 $ 59,000
Clark, Ohio 6 $ 516,000 $ 86,000 $ 47,000
Portage, Ohio 6 $ 562,000 $ 93,666 $ 50,000
Trumbull, Ohio 6 $ 658,000 $ 109,666 $ 41,000
Columbia, Oregon 6 $ 562,000 $ 93,666 $ 44,000
Yamhill, Oregon 6 $ 792,000 $ 132,000 $ 46,000
Montgomery, Pennsylvania 6 $ 660,000 $ 110,000 $ 54,000
Berkeley, South Carolina 6 $ 591,000 $ 98,500 $ 77,000
Hamilton, Tennessee 6 $ 590,000 $ 98,333 $ 93,000
Loudon, Tennessee 6 $ 715,000 $ 119,166 $ 57,000
Williamson, Tennessee 6 $ 999,000 $ 166,500 $ 81,000
Cache, Utah 6 $ 659,000 $ 109,833 $ 47,000
Sevier, Utah 6 $ 512,000 $ 85,333 $ 50,000
Whatcom, Washington 6 $ 931,000 $ 155,166 $ 59,000
Walworth, Wisconsin 6 $ 951,000 $ 158,500 $ 83,000
Faulkner, Arkansas 5 $ 361,000 $ 72,200 $ 54,000
Phillips, Arkansas 5 $ 422,000 $ 84,400 $ 66,000
Del Norte, California 5 $ 667,000 $ 133,400 $ 60,000
Columbia, Florida 5 $ 292,000 $ 58,400 $ 41,000
Hendry, Florida 5 $ 362,000 $ 72,400 $ 55,000
Monroe, Florida 5 $ 940,000 $ 188,000 $ 76,000
Bingham, Idaho 5 $ 436,000 $ 87,200 $ 44,000
Nez Perce, Idaho 5 $ 508,000 $ 101,600 $ 38,000
Twin Falls, Idaho 5 $ 460,000 $ 92,000 $ 60,000
Cass, Illinois 5 $ 351,000 $ 70,200 $ 29,000
Effingham, Illinois 5 $ 351,000 $ 70,200 $ 35,000
Hancock, Illinois 5 $ 265,000 $ 53,000 $ 24,000
LaPorte, Indiana 5 $ 588,000 $ 117,600 $ 56,000
Shelby, Indiana 5 $ 346,000 $ 69,200 $ 70,000
Steuben, Indiana 5 $ 582,000 $ 116,400 $ 47,000
Johnson, Iowa 5 $ 494,000 $ 98,800 $ 73,000
Douglas, Kansas 5 $ 462,000 $ 92,400 $ 55,000
Franklin, Kentucky 5 $ 507,000 $ 101,400 $ 42,000
Grant, Kentucky 5 $ 375,000 $ 75,000 $ 32,000
Howard, Maryland 5 $ 452,000 $ 90,400 $ 60,000
Branch, Michigan 5 $ 336,000 $ 67,200 $ 65,000
Clinton, Michigan 5 $ 428,000 $ 85,600 $ 99,000
Tuscola, Michigan 5 $ 423,000 $ 84,600 $ 78,000
Lauderdale, Mississippi 5 $ 448,000 $ 89,600 $ 57,000
Phelps, Missouri 5 $ 527,000 $ 105,400 $ 87,000
Pike, Missouri 5 $ 546,000 $ 109,200 $ 21,000
Sarpy, Nebraska 5 $ 584,000 $ 116,800 $ 68,000
Carson City, Nevada 5 $ 483,000 $ 96,600 $ 62,000
Grafton, New Hampshire 5 $ 789,000 $ 157,800 $ 87,000
Sullivan, New Hampshire 5 $ 1,288,000 $ 257,600 $ 211,000
San Miguel, New Mexico 5 $ 506,000 $ 101,200 $ 75,000
Dutchess, New York 5 $ 922,000 $ 184,400 $ 102,000
Kings, New York 5 $ 1,642,000 $ 328,400 $ 85,000
Orange, New York 5 $ 876,000 $ 175,200 $ 54,000
Queens, New York 5 $ 1,256,000 $ 251,200 $ 81,000
Forsyth, North Carolina 5 $ 555,000 $ 111,000 $ 77,000
Cuyahoga, Ohio 5 $ 733,000 $ 146,600 $ 83,000
Greene, Ohio 5 $ 492,000 $ 98,400 $ 56,000
Woodward, Oklahoma 5 $ 289,000 $ 57,800 $ 59,000
Charleston, South Carolina 5 $ 637,000 $ 127,400 $ 34,000
Dorchester, South Carolina 5 $ 518,000 $ 103,600 $ 38,000
Greenville, South Carolina 5 $ 1,003,000 $ 200,600 $ 85,000
Minnehaha, South Dakota 5 $ 287,000 $ 57,400 $ 71,000
Jefferson, Tennessee 5 $ 263,000 $ 52,600 $ 37,000
Montgomery, Tennessee 5 $ 463,000 $ 92,600 $ 43,000
Johnson, Texas 5 $ 390,000 $ 78,000 $ 46,000
Smith, Texas 5 $ 223,000 $ 44,600 $ 35,000
Washington, Texas 5 $ 852,000 $ 170,400 $ 310,000
Uintah, Utah 5 $ 643,000 $ 128,600 $ 86,000
Arlington, Virginia 5 $ 1,088,000 $ 217,600 $ 90,000
Chesterfield, Virginia 5 $ 624,000 $ 124,800 $ 46,000
Hampton, Virginia 5 $ 470,000 $ 94,000 $ 45,000
Stafford, Virginia 5 $ 964,000 $ 192,800 $ 173,000
Kanawha, West Virginia 5 $ 403,000 $ 80,600 $ 56,000
Kenosha, Wisconsin 5 $ 837,000 $ 167,400 $ 64,000
Winnebago, Wisconsin 5 $ 459,000 $ 91,800 $ 43,000
Fairbanks North Star, Alaska 4 $ 289,000 $ 72,250 $ 53,000
La Paz, Arizona 4 $ 295,000 $ 73,750 $ 45,000
Crittenden, Arkansas 4 $ 380,000 $ 95,000 $ 51,000
Garland, Arkansas 4 $ 443,000 $ 110,750 $ 51,000
Lawrence, Arkansas 4 $ 275,000 $ 68,750 $ 30,000
Saline, Arkansas 4 $ 460,000 $ 115,000 $ 71,000
Mono, California 4 $ 402,000 $ 100,500 $ 91,000
Plumas, California 4 $ 1,295,000 $ 323,750 $ 110,000
Garfield, Colorado 4 $ 950,000 $ 237,500 $ 163,000
Montrose, Colorado 4 $ 366,000 $ 91,500 $ 33,000
Summit, Colorado 4 $ 525,000 $ 131,250 $ 83,000
Indian River, Florida 4 $ 436,000 $ 109,000 $ 44,000
Cobb, Georgia 4 $ 518,000 $ 129,500 $ 59,000
Franklin, Idaho 4 $ 359,000 $ 89,750 $ 61,000
Jerome, Idaho 4 $ 559,000 $ 139,750 $ 101,000
Richland, Illinois 4 $ 297,000 $ 74,250 $ 38,000
Winnebago, Illinois 4 $ 405,000 $ 101,250 $ 66,000
Floyd, Indiana 4 $ 254,000 $ 63,500 $ 54,000
Huntington, Indiana 4 $ 282,000 $ 70,500 $ 34,000
Madison, Indiana 4 $ 233,000 $ 58,250 $ 49,000
Montgomery, Indiana 4 $ 370,000 $ 92,500 $ 63,000
Porter, Indiana 4 $ 549,000 $ 137,250 $ 54,000
Randolph, Indiana 4 $ 181,000 $ 45,250 $ 41,000
Scott, Indiana 4 $ 257,000 $ 64,250 $ 34,000
Vigo, Indiana 4 $ 281,000 $ 70,250 $ 67,000
Washington, Indiana 4 $ 294,000 $ 73,500 $ 36,000
Whitley, Indiana 4 $ 360,000 $ 90,000 $ 39,000
Buena Vista, Iowa 4 $ 436,000 $ 109,000 $ 43,000
Chickasaw, Iowa 4 $ 140,000 $ 35,000 $ 32,000
Guthrie, Iowa 4 $ 307,000 $ 76,750 $ 109,000
Madison, Iowa 4 $ 215,000 $ 53,750 $ 41,000
Pottawattamie, Iowa 4 $ 423,000 $ 105,750 $ 78,000
Bourbon, Kentucky 4 $ 291,000 $ 72,750 $ 29,000
Graves, Kentucky 4 $ 216,000 $ 54,000 $ 49,000
Harlan, Kentucky 4 $ 282,000 $ 70,500 $ 52,000
Laurel, Kentucky 4 $ 420,000 $ 105,000 $ 97,000
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Mortgage Loan Application Detail Totals for First Bank in 2003

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
Refinancing (home purchase or home improvement, one-to-four family) 19,098 $2,904,322,000 $119,510 $4,200,000 $65,446 $3,100,000
Home Purchase (one-to-four family) 10,958 $1,521,183,000 $108,108 $2,087,000 $61,717 $4,980,000
Home Improvement (one-to-four family) 1,961 $62,170,000 $54,444 $640,000 $63,777 $1,097,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 31 $40,019,000 $1,068,666 $15,750,000 $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 19,902 $2,632,883,000 $113,659 $4,200,000 $63,468 $4,980,000
Hispanic 6,072 $923,335,000 $124,542 $750,000 $56,485 $1,967,000
Black 2,590 $321,021,000 $115,846 $1,000,000 $58,743 $1,680,000
Asian or Pacific Islander 1,577 $323,536,000 $164,066 $1,950,000 $79,933 $1,464,000
Information not provided by applicant in mail or telephone application 1,489 $227,332,000 $115,512 $3,224,000 $63,341 $2,223,000
Other 226 $41,085,000 $140,421 $1,320,000 $72,631 $480,000
American Indian or Alaskan Native 125 $17,905,000 $105,900 $650,000 $60,950 $240,000
Not applicable 67 $40,597,000 $507,000 $15,750,000 $750 $61,000

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) 31,495 $4,466,751,000 $113,875 $15,750,000 $64,083 $4,980,000
FHA-insured (Federal Housing Administration) 400 $48,271,000 $110,500 $298,000 $34,750 $115,000
VA-guaranteed (Veterans Administration) 122 $10,719,000 $87,500 $173,000 $13,750 $85,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $1,953,000 $70,000 $121,000 $37,000 $53,000

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 16,467 $2,257,808,000 $107,222 $15,750,000 $60,022 $4,980,000
Application Denied By Financial Institution 8,918 $1,268,528,000 $116,382 $3,224,000 $63,319 $3,100,000
Application Approved But Not Accepted 4,146 $672,749,000 $126,093 $4,200,000 $64,860 $744,000
Application Withdrawn By Applicant 2,347 $299,812,000 $117,288 $800,000 $66,600 $600,000
File Closed For Incompleteness 112 $22,869,000 $207,571 $1,260,000 $105,619 $652,000
Loan Purchased By The Institution 58 $5,928,000 $165,666 $452,000 $72,555 $137,000

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
Credit History 4,373 $588,395,000 $111,159 $3,224,000 $57,363 $840,000
Debt-To-Income Ratio 1,126 $152,896,000 $124,700 $1,572,000 $50,800 $336,000
Other 1,051 $181,132,000 $121,317 $1,950,000 $76,414 $3,100,000
Collateral 907 $120,072,000 $127,146 $1,400,000 $81,439 $1,763,000
Unverifiable Information 575 $92,150,000 $148,764 $875,000 $80,470 $420,000
Employment History 566 $87,074,000 $140,185 $600,000 $83,444 $1,967,000
Insufficient Cash (Downpayment, Closing Cost) 177 $28,402,000 $135,769 $644,000 $58,038 $265,000
Credit Application Incomplete 140 $18,094,000 $125,464 $558,000 $68,821 $312,000
Mortgage Insurance Denied 1 $88,000 $88,000 $88,000 $47,000 $47,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2003 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 First 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.
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