First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004

First Bank 2004 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 First Bank
600 James Mcdonnell Blvd
Creve Coeur, MO 63042
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 20,280
Total Mortgage Loan Application Amount $3,105,221,000
Average Mortgage Loan Application Amount $127,121
Highest Mortgage Loan Application Amount $10,000,000
Average Applicant Income $70,659
Highest Applicant Income $4,468,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with First 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 First Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2004 breaks down First 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 First Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by First 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 First Bank's mortgage activity for 2004.

Mortgage Loan Application Totals for First Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles County California 2,454 $ 547,728,000 $ 223,000 $ 101,000
Riverside County California 1,070 $ 199,358,000 $ 186,000 $ 87,000
San Bernardino County California 1,007 $ 170,188,000 $ 169,000 $ 78,000
Maricopa County Arizona 868 $ 104,412,000 $ 120,000 $ 93,000
Orange County California 538 $ 145,717,000 $ 270,000 $ 104,000
San Joaquin County California 441 $ 77,689,000 $ 176,000 $ 86,000
St. Louis County Missouri 405 $ 65,911,000 $ 162,000 $ 53,000
Clark County Nevada 402 $ 66,533,000 $ 165,000 $ 71,000
Harris County Texas 378 $ 30,980,000 $ 81,000 $ 71,000
Sacramento County California 345 $ 64,202,000 $ 186,000 $ 79,000
San Diego County California 226 $ 60,216,000 $ 266,000 $ 110,000
St. Clair County Illinois 206 $ 18,567,000 $ 90,000 $ 45,000
Fresno County California 185 $ 23,511,000 $ 127,000 $ 80,000
Broward County Florida 183 $ 28,321,000 $ 154,000 $ 84,000
Kern County California 175 $ 20,189,000 $ 115,000 $ 69,000
Clinton County Illinois 173 $ 15,554,000 $ 89,000 $ 52,000
Ventura County California 167 $ 46,902,000 $ 280,000 $ 137,000
St. Charles County Missouri 167 $ 22,746,000 $ 136,000 $ 50,000
Solano County California 165 $ 38,129,000 $ 231,000 $ 89,000
Knox County Illinois 144 $ 11,205,000 $ 77,000 $ 35,000
Miami-Dade County Florida 131 $ 19,108,000 $ 145,000 $ 73,000
Franklin County Missouri 131 $ 10,781,000 $ 82,000 $ 41,000
Gasconade County Missouri 122 $ 8,760,000 $ 71,000 $ 39,000
Randolph County Illinois 121 $ 8,986,000 $ 74,000 $ 40,000
Orange County Florida 112 $ 10,915,000 $ 97,000 $ 82,000
Palm Beach County Florida 111 $ 16,408,000 $ 147,000 $ 66,000
Cook County Illinois 111 $ 16,290,000 $ 146,000 $ 64,000
Wayne County Michigan 111 $ 11,607,000 $ 104,000 $ 72,000
Contra Costa County California 106 $ 24,858,000 $ 234,000 $ 97,000
Adams County Illinois 102 $ 8,129,000 $ 79,000 $ 43,000
Jersey County Illinois 97 $ 8,128,000 $ 83,000 $ 45,000
Madison County Illinois 96 $ 9,937,000 $ 103,000 $ 52,000
Fairfax County Virginia 89 $ 17,991,000 $ 202,000 $ 109,000
Stanislaus County California 87 $ 16,844,000 $ 193,000 $ 80,000
St. Louis City County Missouri 84 $ 12,582,000 $ 149,000 $ 47,000
Deschutes County Oregon 84 $ 14,381,000 $ 171,000 $ 75,000
Prince William County Virginia 83 $ 11,967,000 $ 144,000 $ 73,000
New Haven County Connecticut 81 $ 7,987,000 $ 98,000 $ 58,000
Hennepin County Minnesota 81 $ 11,557,000 $ 142,000 $ 73,000
King County Washington 81 $ 15,785,000 $ 194,000 $ 81,000
Pierce County Washington 80 $ 10,019,000 $ 125,000 $ 78,000
Pima County Arizona 78 $ 8,510,000 $ 109,000 $ 61,000
Santa Clara County California 78 $ 37,766,000 $ 484,000 $ 128,000
Santa Barbara County California 75 $ 33,302,000 $ 444,000 $ 259,000
Hillsborough County Florida 74 $ 9,348,000 $ 126,000 $ 80,000
Alameda County California 73 $ 18,329,000 $ 251,000 $ 110,000
Franklin County Illinois 73 $ 2,634,000 $ 36,000 $ 53,000
Hillsborough County New Hampshire 72 $ 10,853,000 $ 150,000 $ 70,000
Mohave County Arizona 70 $ 7,421,000 $ 106,000 $ 56,000
Fort Bend County Texas 70 $ 7,104,000 $ 101,000 $ 82,000
Oakland County Michigan 68 $ 9,829,000 $ 144,000 $ 76,000
Pike County Illinois 65 $ 3,076,000 $ 47,000 $ 41,000
Jefferson County Missouri 65 $ 6,926,000 $ 106,000 $ 46,000
Ste. Genevieve County Missouri 65 $ 4,143,000 $ 63,000 $ 45,000
St. Francois County Missouri 62 $ 3,956,000 $ 63,000 $ 32,000
Santa Cruz County California 61 $ 23,731,000 $ 389,000 $ 135,000
Tulare County California 61 $ 6,464,000 $ 105,000 $ 66,000
Shelby County Tennessee 59 $ 6,426,000 $ 108,000 $ 50,000
Imperial County California 58 $ 6,053,000 $ 104,000 $ 62,000
Lee County Florida 55 $ 7,050,000 $ 128,000 $ 58,000
Greene County Illinois 55 $ 2,567,000 $ 46,000 $ 35,000
Lawrence County Illinois 54 $ 2,976,000 $ 55,000 $ 45,000
Hartford County Connecticut 53 $ 6,095,000 $ 115,000 $ 60,000
Norfolk County Massachusetts 52 $ 10,057,000 $ 193,000 $ 83,000
Jackson County Missouri 52 $ 4,904,000 $ 94,000 $ 57,000
Merced County California 51 $ 8,485,000 $ 166,000 $ 72,000
Pinellas County Florida 51 $ 6,365,000 $ 124,000 $ 69,000
Warren County Missouri 50 $ 5,062,000 $ 101,000 $ 40,000
Brevard County Florida 49 $ 4,753,000 $ 97,000 $ 49,000
Salt Lake County Utah 49 $ 7,438,000 $ 151,000 $ 89,000
Placer County California 48 $ 13,038,000 $ 271,000 $ 110,000
Hamilton County Ohio 48 $ 4,512,000 $ 94,000 $ 60,000
Dallas County Texas 46 $ 5,199,000 $ 113,000 $ 83,000
El Paso County Colorado 45 $ 4,931,000 $ 109,000 $ 57,000
Monroe County Illinois 45 $ 4,769,000 $ 105,000 $ 49,000
Macomb County Michigan 45 $ 4,356,000 $ 96,000 $ 62,000
Pinal County Arizona 44 $ 3,913,000 $ 88,000 $ 49,000
Yavapai County Arizona 44 $ 7,464,000 $ 169,000 $ 104,000
Bond County Illinois 44 $ 2,611,000 $ 59,000 $ 33,000
Duval County Florida 42 $ 4,075,000 $ 97,000 $ 67,000
Peoria County Illinois 42 $ 3,394,000 $ 80,000 $ 40,000
Rockingham County New Hampshire 42 $ 5,848,000 $ 139,000 $ 69,000
El Dorado County California 41 $ 10,774,000 $ 262,000 $ 116,000
Adams County Colorado 41 $ 4,655,000 $ 113,000 $ 60,000
Denver County Colorado 41 $ 6,974,000 $ 170,000 $ 117,000
Scott County Illinois 41 $ 2,151,000 $ 52,000 $ 48,000
Middlesex County Massachusetts 40 $ 7,397,000 $ 184,000 $ 76,000
Montgomery County Missouri 40 $ 2,916,000 $ 72,000 $ 46,000
Washoe County Nevada 40 $ 6,847,000 $ 171,000 $ 84,000
Plymouth County Massachusetts 39 $ 5,953,000 $ 152,000 $ 72,000
Polk County Iowa 38 $ 2,828,000 $ 74,000 $ 51,000
Prince George's County Maryland 38 $ 5,583,000 $ 146,000 $ 67,000
Henrico County Virginia 38 $ 3,756,000 $ 98,000 $ 62,000
Snohomish County Washington 38 $ 6,646,000 $ 174,000 $ 84,000
Macoupin County Illinois 37 $ 2,558,000 $ 69,000 $ 45,000
Essex County Massachusetts 37 $ 5,563,000 $ 150,000 $ 72,000
Hinds County Mississippi 37 $ 2,326,000 $ 62,000 $ 49,000
Franklin County Ohio 37 $ 3,055,000 $ 82,000 $ 76,000
Arapahoe County Colorado 35 $ 3,785,000 $ 108,000 $ 73,000
Pasco County Florida 35 $ 2,885,000 $ 82,000 $ 46,000
Lake County Indiana 34 $ 2,277,000 $ 66,000 $ 54,000
Marion County Florida 33 $ 2,549,000 $ 77,000 $ 89,000
Seminole County Florida 33 $ 4,266,000 $ 129,000 $ 81,000
Volusia County Florida 33 $ 3,970,000 $ 120,000 $ 58,000
Flagler County Florida 32 $ 3,517,000 $ 109,000 $ 47,000
Fairfield County Connecticut 31 $ 6,846,000 $ 220,000 $ 63,000
Summit County Ohio 31 $ 4,653,000 $ 150,000 $ 86,000
Chesterfield County Virginia 31 $ 3,265,000 $ 105,000 $ 62,000
Cochise County Arizona 30 $ 2,144,000 $ 71,000 $ 55,000
El Paso County Texas 30 $ 1,850,000 $ 61,000 $ 47,000
Montgomery County Texas 30 $ 3,078,000 $ 102,000 $ 69,000
Madera County California 29 $ 4,757,000 $ 164,000 $ 94,000
Jefferson County Colorado 29 $ 3,592,000 $ 123,000 $ 86,000
Polk County Florida 29 $ 2,643,000 $ 91,000 $ 54,000
San Mateo County California 28 $ 7,921,000 $ 282,000 $ 98,000
Hampden County Massachusetts 28 $ 3,241,000 $ 115,000 $ 53,000
Weld County Colorado 27 $ 3,056,000 $ 113,000 $ 51,000
Cameron County Texas 27 $ 2,009,000 $ 74,000 $ 61,000
Kitsap County Washington 27 $ 3,927,000 $ 145,000 $ 70,000
Marion County Indiana 26 $ 2,230,000 $ 85,000 $ 62,000
Osceola County Florida 25 $ 2,875,000 $ 115,000 $ 50,000
Marion County Illinois 25 $ 1,046,000 $ 41,000 $ 41,000
Kent County Michigan 25 $ 2,332,000 $ 93,000 $ 59,000
Merrimack County New Hampshire 25 $ 2,899,000 $ 115,000 $ 52,000
Montgomery County Ohio 25 $ 1,966,000 $ 78,000 $ 71,000
Richland County South Carolina 25 $ 1,928,000 $ 77,000 $ 44,000
Calhoun County Michigan 24 $ 1,606,000 $ 66,000 $ 50,000
Genesee County Michigan 24 $ 2,578,000 $ 107,000 $ 51,000
Douglas County Nebraska 24 $ 1,956,000 $ 81,000 $ 55,000
Kings County California 23 $ 2,145,000 $ 93,000 $ 45,000
Bristol County Massachusetts 23 $ 3,634,000 $ 158,000 $ 71,000
Multnomah County Oregon 23 $ 2,472,000 $ 107,000 $ 63,000
Tarrant County Texas 23 $ 2,219,000 $ 96,000 $ 73,000
Butte County California 22 $ 2,781,000 $ 126,000 $ 61,000
Williamson County Illinois 22 $ 757,000 $ 34,000 $ 49,000
Worcester County Massachusetts 22 $ 3,396,000 $ 154,000 $ 94,000
Cuyahoga County Ohio 22 $ 2,454,000 $ 111,000 $ 53,000
Washington County Utah 22 $ 2,295,000 $ 104,000 $ 78,000
Yolo County California 21 $ 5,042,000 $ 240,000 $ 77,000
Suffolk County Massachusetts 21 $ 3,662,000 $ 174,000 $ 79,000
Napa County California 20 $ 4,503,000 $ 225,000 $ 102,000
Sonoma County California 20 $ 5,196,000 $ 259,000 $ 128,000
Okaloosa County Florida 20 $ 2,163,000 $ 108,000 $ 51,000
Jackson County Illinois 20 $ 1,012,000 $ 50,000 $ 55,000
Morgan County Illinois 20 $ 1,234,000 $ 61,000 $ 41,000
Jefferson County Kentucky 20 $ 1,765,000 $ 88,000 $ 47,000
East Baton Rouge County Louisiana 20 $ 1,660,000 $ 83,000 $ 43,000
Guilford County North Carolina 20 $ 1,694,000 $ 84,000 $ 49,000
Bexar County Texas 20 $ 1,606,000 $ 80,000 $ 52,000
Brazoria County Texas 20 $ 2,230,000 $ 111,000 $ 78,000
Virginia Beach County Virginia 20 $ 2,292,000 $ 114,000 $ 60,000
Fayette County Illinois 19 $ 639,000 $ 33,000 $ 59,000
Bernalillo County New Mexico 19 $ 2,364,000 $ 124,000 $ 51,000
Loudoun County Virginia 19 $ 4,047,000 $ 213,000 $ 77,000
Johnson County Kansas 18 $ 2,690,000 $ 149,000 $ 84,000
Harrison County Mississippi 18 $ 1,240,000 $ 68,000 $ 42,000
Collin County Texas 18 $ 2,685,000 $ 149,000 $ 216,000
Lake County Florida 17 $ 1,614,000 $ 94,000 $ 77,000
Fulton County Georgia 17 $ 2,911,000 $ 171,000 $ 102,000
Berrien County Michigan 17 $ 1,384,000 $ 81,000 $ 105,000
Wake County North Carolina 17 $ 2,525,000 $ 148,000 $ 65,000
Monterey County California 16 $ 4,120,000 $ 257,000 $ 96,000
St. Lucie County Florida 16 $ 1,989,000 $ 124,000 $ 54,000
Sangamon County Illinois 16 $ 1,387,000 $ 86,000 $ 40,000
Providence County Rhode Island 16 $ 2,081,000 $ 130,000 $ 66,000
Galveston County Texas 16 $ 1,199,000 $ 74,000 $ 77,000
Norfolk County Virginia 16 $ 2,303,000 $ 143,000 $ 80,000
Milwaukee County Wisconsin 16 $ 2,757,000 $ 172,000 $ 79,000
Yuma County Arizona 15 $ 1,196,000 $ 79,000 $ 47,000
Calaveras County California 15 $ 3,126,000 $ 208,000 $ 106,000
San Francisco County California 15 $ 5,639,000 $ 375,000 $ 110,000
Yuba County California 15 $ 1,978,000 $ 131,000 $ 55,000
Litchfield County Connecticut 15 $ 2,753,000 $ 183,000 $ 166,000
Sarasota County Florida 15 $ 2,143,000 $ 142,000 $ 112,000
Jasper County Iowa 15 $ 1,249,000 $ 83,000 $ 66,000
DeSoto County Mississippi 15 $ 1,177,000 $ 78,000 $ 51,000
Stark County Ohio 15 $ 1,130,000 $ 75,000 $ 85,000
Utah County Utah 15 $ 1,912,000 $ 127,000 $ 77,000
Clark County Washington 15 $ 2,702,000 $ 180,000 $ 82,000
Grays Harbor County Washington 15 $ 1,171,000 $ 78,000 $ 66,000
San Luis Obispo County California 14 $ 4,969,000 $ 354,000 $ 144,000
Collier County Florida 14 $ 2,541,000 $ 181,000 $ 306,000
St. Johns County Florida 14 $ 1,719,000 $ 122,000 $ 38,000
Gwinnett County Georgia 14 $ 1,750,000 $ 125,000 $ 67,000
Warren County Illinois 14 $ 1,360,000 $ 97,000 $ 67,000
Lapeer County Michigan 14 $ 1,590,000 $ 113,000 $ 54,000
Dakota County Minnesota 14 $ 2,256,000 $ 161,000 $ 86,000
Lake County Ohio 14 $ 1,230,000 $ 87,000 $ 71,000
Warren County Ohio 14 $ 1,054,000 $ 75,000 $ 54,000
Richmond City County Virginia 14 $ 827,000 $ 59,000 $ 33,000
Suffolk County Virginia 14 $ 1,406,000 $ 100,000 $ 64,000
Spokane County Washington 14 $ 1,456,000 $ 104,000 $ 51,000
Pulaski County Arkansas 13 $ 915,000 $ 70,000 $ 45,000
DeKalb County Georgia 13 $ 1,310,000 $ 100,000 $ 57,000
Blue Earth County Minnesota 13 $ 1,033,000 $ 79,000 $ 45,000
Ramsey County Minnesota 13 $ 1,823,000 $ 140,000 $ 74,000
Lyon County Nevada 13 $ 1,500,000 $ 115,000 $ 72,000
Belknap County New Hampshire 13 $ 2,097,000 $ 161,000 $ 106,000
Forsyth County North Carolina 13 $ 967,000 $ 74,000 $ 45,000
Mecklenburg County North Carolina 13 $ 1,881,000 $ 144,000 $ 78,000
Douglas County Colorado 12 $ 2,325,000 $ 193,000 $ 109,000
Leon County Florida 12 $ 1,249,000 $ 104,000 $ 50,000
Sedgwick County Kansas 12 $ 840,000 $ 70,000 $ 43,000
Montgomery County Maryland 12 $ 2,245,000 $ 187,000 $ 130,000
Franklin County Massachusetts 12 $ 1,165,000 $ 97,000 $ 46,000
Ingham County Michigan 12 $ 2,058,000 $ 171,000 $ 75,000
Lancaster County Nebraska 12 $ 1,233,000 $ 102,000 $ 45,000
Cumberland County North Carolina 12 $ 1,209,000 $ 100,000 $ 125,000
Mahoning County Ohio 12 $ 947,000 $ 78,000 $ 69,000
Linn County Oregon 12 $ 1,267,000 $ 105,000 $ 45,000
Weber County Utah 12 $ 814,000 $ 67,000 $ 39,000
Navajo County Arizona 11 $ 998,000 $ 90,000 $ 80,000
Lake County California 11 $ 1,811,000 $ 164,000 $ 61,000
Cheshire County New Hampshire 11 $ 1,265,000 $ 115,000 $ 71,000
Lucas County Ohio 11 $ 1,169,000 $ 106,000 $ 72,000
Medina County Ohio 11 $ 1,171,000 $ 106,000 $ 111,000
Jefferson County Oregon 11 $ 833,000 $ 75,000 $ 63,000
Hidalgo County Texas 11 $ 685,000 $ 62,000 $ 50,000
Jefferson County Texas 11 $ 524,000 $ 47,000 $ 46,000
Travis County Texas 11 $ 1,359,000 $ 123,000 $ 114,000
Chesapeake County Virginia 11 $ 1,340,000 $ 121,000 $ 62,000
Hanover County Virginia 11 $ 1,856,000 $ 168,000 $ 107,000
Coconino County Arizona 10 $ 1,661,000 $ 166,000 $ 179,000
Graham County Arizona 10 $ 795,000 $ 79,000 $ 51,000
Escambia County Florida 10 $ 882,000 $ 88,000 $ 51,000
Manatee County Florida 10 $ 1,332,000 $ 133,000 $ 70,000
Santa Rosa County Florida 10 $ 1,115,000 $ 111,000 $ 64,000
Bonner County Idaho 10 $ 1,125,000 $ 112,000 $ 77,000
Henry County Illinois 10 $ 622,000 $ 62,000 $ 40,000
Tazewell County Illinois 10 $ 805,000 $ 80,000 $ 36,000
Shawnee County Kansas 10 $ 1,238,000 $ 123,000 $ 39,000
Wyandotte County Kansas 10 $ 1,122,000 $ 112,000 $ 55,000
Kalamazoo County Michigan 10 $ 883,000 $ 88,000 $ 45,000
St. Clair County Michigan 10 $ 1,089,000 $ 108,000 $ 52,000
Madison County Mississippi 10 $ 989,000 $ 98,000 $ 64,000
Sullivan County New Hampshire 10 $ 870,000 $ 87,000 $ 62,000
Sandoval County New Mexico 10 $ 1,130,000 $ 113,000 $ 42,000
Butler County Ohio 10 $ 1,132,000 $ 113,000 $ 100,000
Clackamas County Oregon 10 $ 1,464,000 $ 146,000 $ 71,000
Columbia County Oregon 10 $ 1,203,000 $ 120,000 $ 73,000
Berkeley County South Carolina 10 $ 1,226,000 $ 122,000 $ 95,000
Hampton County Virginia 10 $ 1,206,000 $ 120,000 $ 49,000
Anchorage County Alaska 9 $ 1,579,000 $ 175,000 $ 88,000
Shasta County California 9 $ 1,107,000 $ 123,000 $ 129,000
Sutter County California 9 $ 1,693,000 $ 188,000 $ 66,000
Pueblo County Colorado 9 $ 676,000 $ 75,000 $ 99,000
Charlotte County Florida 9 $ 999,000 $ 111,000 $ 52,000
Citrus County Florida 9 $ 600,000 $ 66,000 $ 44,000
Hernando County Florida 9 $ 1,028,000 $ 114,000 $ 57,000
Canyon County Idaho 9 $ 740,000 $ 82,000 $ 48,000
Kane County Illinois 9 $ 770,000 $ 85,000 $ 45,000
Scott County Iowa 9 $ 629,000 $ 69,000 $ 34,000
Baltimore County Maryland 9 $ 1,542,000 $ 171,000 $ 60,000
Livingston County Michigan 9 $ 2,261,000 $ 251,000 $ 120,000
Muskegon County Michigan 9 $ 777,000 $ 86,000 $ 49,000
Rankin County Mississippi 9 $ 729,000 $ 81,000 $ 43,000
Buchanan County Missouri 9 $ 816,000 $ 90,000 $ 59,000
Clay County Missouri 9 $ 952,000 $ 105,000 $ 57,000
Crawford County Missouri 9 $ 905,000 $ 100,000 $ 38,000
Greene County Missouri 9 $ 1,047,000 $ 116,000 $ 50,000
Sarpy County Nebraska 9 $ 602,000 $ 66,000 $ 66,000
Grafton County New Hampshire 9 $ 898,000 $ 99,000 $ 82,000
Santa Fe County New Mexico 9 $ 1,665,000 $ 185,000 $ 98,000
Miami County Ohio 9 $ 689,000 $ 76,000 $ 57,000
Jackson County Oregon 9 $ 1,175,000 $ 130,000 $ 45,000
Washington County Oregon 9 $ 1,397,000 $ 155,000 $ 54,000
Arlington County Virginia 9 $ 2,637,000 $ 293,000 $ 92,000
Newport News County Virginia 9 $ 912,000 $ 101,000 $ 50,000
Spotsylvania County Virginia 9 $ 1,137,000 $ 126,000 $ 74,000
Thurston County Washington 9 $ 1,005,000 $ 111,000 $ 55,000
Waukesha County Wisconsin 9 $ 601,000 $ 66,000 $ 55,000
Garland County Arkansas 8 $ 772,000 $ 96,000 $ 121,000
Alachua County Florida 8 $ 666,000 $ 83,000 $ 151,000
Bannock County Idaho 8 $ 810,000 $ 101,000 $ 43,000
DuPage County Illinois 8 $ 1,417,000 $ 177,000 $ 56,000
Fulton County Illinois 8 $ 570,000 $ 71,000 $ 19,000
Clark County Indiana 8 $ 551,000 $ 68,000 $ 53,000
Porter County Indiana 8 $ 767,000 $ 95,000 $ 67,000
St. Joseph County Indiana 8 $ 569,000 $ 71,000 $ 50,000
Barnstable County Massachusetts 8 $ 1,553,000 $ 194,000 $ 120,000
Anoka County Minnesota 8 $ 1,010,000 $ 126,000 $ 64,000
Sherburne County Minnesota 8 $ 1,221,000 $ 152,000 $ 80,000
Lincoln County Missouri 8 $ 637,000 $ 79,000 $ 34,000
Strafford County New Hampshire 8 $ 863,000 $ 107,000 $ 66,000
Durham County North Carolina 8 $ 887,000 $ 110,000 $ 33,000
Licking County Ohio 8 $ 656,000 $ 82,000 $ 58,000
Crook County Oregon 8 $ 641,000 $ 80,000 $ 89,000
Josephine County Oregon 8 $ 771,000 $ 96,000 $ 44,000
Lane County Oregon 8 $ 1,099,000 $ 137,000 $ 28,000
Yamhill County Oregon 8 $ 974,000 $ 121,000 $ 49,000
Spartanburg County South Carolina 8 $ 641,000 $ 80,000 $ 59,000
Denton County Texas 8 $ 940,000 $ 117,000 $ 106,000
Hardin County Texas 8 $ 443,000 $ 55,000 $ 45,000
Yakima County Washington 8 $ 742,000 $ 92,000 $ 51,000
Washington County Wisconsin 8 $ 787,000 $ 98,000 $ 60,000
Natrona County Wyoming 8 $ 697,000 $ 87,000 $ 40,000
Bay County Florida 7 $ 657,000 $ 93,000 $ 49,000
Monroe County Florida 7 $ 2,373,000 $ 339,000 $ 218,000
Ada County Idaho 7 $ 865,000 $ 123,000 $ 49,000
Lake County Illinois 7 $ 804,000 $ 114,000 $ 64,000
Whiteside County Illinois 7 $ 470,000 $ 67,000 $ 57,000
Black Hawk County Iowa 7 $ 611,000 $ 87,000 $ 101,000
Linn County Iowa 7 $ 494,000 $ 70,000 $ 58,000
Jefferson County Louisiana 7 $ 577,000 $ 82,000 $ 107,000
Berkshire County Massachusetts 7 $ 497,000 $ 71,000 $ 60,000
Hampshire County Massachusetts 7 $ 1,125,000 $ 160,000 $ 66,000
Van Buren County Michigan 7 $ 871,000 $ 124,000 $ 82,000
Olmsted County Minnesota 7 $ 674,000 $ 96,000 $ 44,000
Washington County Minnesota 7 $ 774,000 $ 110,000 $ 52,000
Cole County Missouri 7 $ 546,000 $ 78,000 $ 37,000
Flathead County Montana 7 $ 1,232,000 $ 176,000 $ 47,000
Lewis and Clark County Montana 7 $ 1,357,000 $ 193,000 $ 55,000
Nye County Nevada 7 $ 692,000 $ 98,000 $ 55,000
Onslow County North Carolina 7 $ 699,000 $ 99,000 $ 48,000
Darke County Ohio 7 $ 609,000 $ 87,000 $ 52,000
Delaware County Ohio 7 $ 1,138,000 $ 162,000 $ 117,000
Lorain County Ohio 7 $ 546,000 $ 78,000 $ 45,000
Douglas County Oregon 7 $ 618,000 $ 88,000 $ 35,000
Marion County Oregon 7 $ 618,000 $ 88,000 $ 44,000
Chester County Pennsylvania 7 $ 2,252,000 $ 321,000 $ 226,000
Delaware County Pennsylvania 7 $ 620,000 $ 88,000 $ 77,000
Lehigh County Pennsylvania 7 $ 794,000 $ 113,000 $ 94,000
Greenville County South Carolina 7 $ 596,000 $ 85,000 $ 44,000
Stafford County Virginia 7 $ 1,331,000 $ 190,000 $ 84,000
Grant County Washington 7 $ 800,000 $ 114,000 $ 49,000
Carbon County Wyoming 7 $ 410,000 $ 58,000 $ 79,000
Craighead County Arkansas 6 $ 548,000 $ 91,000 $ 98,000
Phillips County Arkansas 6 $ 344,000 $ 57,000 $ 38,000
Amador County California 6 $ 1,008,000 $ 168,000 $ 69,000
Nevada County California 6 $ 1,032,000 $ 172,000 $ 96,000
Walton County Florida 6 $ 930,000 $ 155,000 $ 114,000
Clayton County Georgia 6 $ 740,000 $ 123,000 $ 63,000
Kootenai County Idaho 6 $ 625,000 $ 104,000 $ 74,000
Clinton County Iowa 6 $ 283,000 $ 47,000 $ 52,000
Fayette County Kentucky 6 $ 474,000 $ 79,000 $ 53,000
Hardin County Kentucky 6 $ 494,000 $ 82,000 $ 67,000
Livingston County Louisiana 6 $ 499,000 $ 83,000 $ 96,000
Orleans County Louisiana 6 $ 1,081,000 $ 180,000 $ 170,000
York County Maine 6 $ 3,324,000 $ 554,000 $ 363,000
Howard County Maryland 6 $ 1,313,000 $ 218,000 $ 109,000
Barry County Michigan 6 $ 654,000 $ 109,000 $ 66,000
Washtenaw County Michigan 6 $ 887,000 $ 147,000 $ 59,000
Jackson County Mississippi 6 $ 426,000 $ 71,000 $ 31,000
Jasper County Missouri 6 $ 577,000 $ 96,000 $ 66,000
Perry County Missouri 6 $ 320,000 $ 53,000 $ 22,000
Stone County Missouri 6 $ 538,000 $ 89,000 $ 30,000
Dona Ana County New Mexico 6 $ 558,000 $ 93,000 $ 40,000
Randolph County North Carolina 6 $ 739,000 $ 123,000 $ 53,000
Union County North Carolina 6 $ 671,000 $ 111,000 $ 52,000
Allen County Ohio 6 $ 531,000 $ 88,000 $ 55,000
Fairfield County Ohio 6 $ 964,000 $ 160,000 $ 94,000
Trumbull County Ohio 6 $ 490,000 $ 81,000 $ 65,000
Klamath County Oregon 6 $ 743,000 $ 123,000 $ 93,000
Lincoln County Oregon 6 $ 611,000 $ 101,000 $ 32,000
Monroe County Pennsylvania 6 $ 658,000 $ 109,000 $ 58,000
Northampton County Pennsylvania 6 $ 482,000 $ 80,000 $ 41,000
Philadelphia County Pennsylvania 6 $ 471,000 $ 78,000 $ 41,000
Kent County Rhode Island 6 $ 1,368,000 $ 228,000 $ 75,000
Knox County Tennessee 6 $ 315,000 $ 52,000 $ 33,000
Cache County Utah 6 $ 669,000 $ 111,000 $ 50,000
Davis County Utah 6 $ 665,000 $ 110,000 $ 93,000
Tooele County Utah 6 $ 430,000 $ 71,000 $ 85,000
Manassas County Virginia 6 $ 745,000 $ 124,000 $ 54,000
Barron County Wisconsin 6 $ 423,000 $ 70,000 $ 51,000
Laramie County Wyoming 6 $ 584,000 $ 97,000 $ 52,000
Crittenden County Arkansas 5 $ 548,000 $ 109,000 $ 92,000
Jefferson County Arkansas 5 $ 337,000 $ 67,000 $ 72,000
Marin County California 5 $ 4,119,000 $ 823,000 $ 71,000
Mesa County Colorado 5 $ 718,000 $ 143,000 $ 62,000
Montrose County Colorado 5 $ 483,000 $ 96,000 $ 49,000
New London County Connecticut 5 $ 659,000 $ 131,000 $ 54,000
Clay County Florida 5 $ 731,000 $ 146,000 $ 94,000
Bibb County Georgia 5 $ 610,000 $ 122,000 $ 74,000
Cobb County Georgia 5 $ 890,000 $ 178,000 $ 52,000
Mason County Illinois 5 $ 146,000 $ 29,000 $ 41,000
Winnebago County Illinois 5 $ 615,000 $ 123,000 $ 59,000
Hamilton County Indiana 5 $ 324,000 $ 64,000 $ 47,000
Charles County Maryland 5 $ 1,355,000 $ 271,000 $ 95,000
Clinton County Michigan 5 $ 851,000 $ 170,000 $ 92,000
Jackson County Michigan 5 $ 647,000 $ 129,000 $ 168,000
Ottawa County Michigan 5 $ 380,000 $ 76,000 $ 56,000
Saginaw County Michigan 5 $ 290,000 $ 58,000 $ 52,000
St. Joseph County Michigan 5 $ 422,000 $ 84,000 $ 50,000
Steele County Minnesota 5 $ 429,000 $ 85,000 $ 49,000
Boone County Missouri 5 $ 538,000 $ 107,000 $ 59,000
Maries County Missouri 5 $ 668,000 $ 133,000 $ 48,000
Marion County Missouri 5 $ 283,000 $ 56,000 $ 91,000
Yellowstone County Montana 5 $ 611,000 $ 122,000 $ 66,000
Carroll County New Hampshire 5 $ 1,534,000 $ 306,000 $ 54,000
Chaves County New Mexico 5 $ 380,000 $ 76,000 $ 49,000
Lea County New Mexico 5 $ 266,000 $ 53,000 $ 58,000
Suffolk County New York 5 $ 739,000 $ 147,000 $ 43,000
Buncombe County North Carolina 5 $ 737,000 $ 147,000 $ 49,000
Davidson County North Carolina 5 $ 452,000 $ 90,000 $ 132,000
Johnston County North Carolina 5 $ 654,000 $ 130,000 $ 73,000
Rutherford County North Carolina 5 $ 799,000 $ 159,000 $ 43,000
Champaign County Ohio 5 $ 471,000 $ 94,000 $ 44,000
Allegheny County Pennsylvania 5 $ 369,000 $ 73,000 $ 88,000
Dauphin County Pennsylvania 5 $ 548,000 $ 109,000 $ 57,000
Sullivan County Tennessee 5 $ 587,000 $ 117,000 $ 95,000
Bastrop County Texas 5 $ 278,000 $ 55,000 $ 49,000
King William County Virginia 5 $ 493,000 $ 98,000 $ 95,000
Portsmouth County Virginia 5 $ 324,000 $ 64,000 $ 38,000
Benton County Washington 5 $ 476,000 $ 95,000 $ 45,000
Cowlitz County Washington 5 $ 660,000 $ 132,000 $ 49,000
Lewis County Washington 5 $ 456,000 $ 91,000 $ 48,000
Adams County Wisconsin 5 $ 634,000 $ 126,000 $ 91,000
Santa Cruz County Arizona 4 $ 229,000 $ 57,000 $ 84,000
Colusa County California 4 $ 759,000 $ 189,000 $ 63,000
Mendocino County California 4 $ 500,000 $ 125,000 $ 58,000
Garfield County Colorado 4 $ 908,000 $ 227,000 $ 94,000
Otero County Colorado 4 $ 222,000 $ 55,000 $ 23,000
Windham County Connecticut 4 $ 403,000 $ 100,000 $ 66,000
Cherokee County Georgia 4 $ 608,000 $ 152,000 $ 94,000
Clarke County Georgia 4 $ 297,000 $ 74,000 $ 50,000
Forsyth County Georgia 4 $ 609,000 $ 152,000 $ 82,000
Henry County Georgia 4 $ 314,000 $ 78,000 $ 45,000
Rockdale County Georgia 4 $ 426,000 $ 106,000 $ 64,000
Whitfield County Georgia 4 $ 468,000 $ 117,000 $ 64,000
Macon County Illinois 4 $ 122,000 $ 30,000 $ 20,000
Perry County Illinois 4 $ 253,000 $ 63,000 $ 48,000
Richland County Illinois 4 $ 464,000 $ 116,000 $ 57,000
Will County Illinois 4 $ 657,000 $ 164,000 $ 102,000
Allen County Indiana 4 $ 513,000 $ 128,000 $ 96,000
Floyd County Indiana 4 $ 297,000 $ 74,000 $ 42,000
Gibson County Indiana 4 $ 594,000 $ 148,000 $ 103,000
Noble County Indiana 4 $ 408,000 $ 102,000 $ 82,000
Wayne County Indiana 4 $ 264,000 $ 66,000 $ 57,000
Pottawattamie County Iowa 4 $ 301,000 $ 75,000 $ 55,000
Warren County Iowa 4 $ 203,000 $ 50,000 $ 48,000
Douglas County Kansas 4 $ 416,000 $ 104,000 $ 124,000
Harvey County Kansas 4 $ 383,000 $ 95,000 $ 42,000
Leavenworth County Kansas 4 $ 414,000 $ 103,000 $ 33,000
Clark County Kentucky 4 $ 241,000 $ 60,000 $ 25,000
Floyd County Kentucky 4 $ 310,000 $ 77,000 $ 74,000
Russell County Kentucky 4 $ 410,000 $ 102,000 $ 68,000
Allegan County Michigan 4 $ 543,000 $ 135,000 $ 61,000
Huron County Michigan 4 $ 263,000 $ 65,000 $ 39,000
Ionia County Michigan 4 $ 333,000 $ 83,000 $ 52,000
Carlton County Minnesota 4 $ 390,000 $ 97,000 $ 42,000
Chisago County Minnesota 4 $ 361,000 $ 90,000 $ 46,000
Scott County Minnesota 4 $ 587,000 $ 146,000 $ 58,000
Butler County Missouri 4 $ 333,000 $ 83,000 $ 87,000
Camden County Missouri 4 $ 417,000 $ 104,000 $ 1,189,000
Christian County Missouri 4 $ 410,000 $ 102,000 $ 54,000
Lawrence County Missouri 4 $ 357,000 $ 89,000 $ 33,000
Lewis County Missouri 4 $ 345,000 $ 86,000 $ 64,000
Ralls County Missouri 4 $ 395,000 $ 98,000 $ 25,000
Taney County Missouri 4 $ 526,000 $ 131,000 $ 81,000
Gallatin County Montana 4 $ 516,000 $ 129,000 $ 43,000
Carson City County Nevada 4 $ 840,000 $ 210,000 $ 59,000
Elko County Nevada 4 $ 328,000 $ 82,000 $ 78,000
Otero County New Mexico 4 $ 306,000 $ 76,000 $ 39,000
Cleveland County North Carolina 4 $ 394,000 $ 98,000 $ 64,000
Crawford County Ohio 4 $ 223,000 $ 55,000 $ 71,000
Greene County Ohio 4 $ 313,000 $ 78,000 $ 38,000
Ross County Ohio 4 $ 262,000 $ 65,000 $ 38,000
Coos County Oregon 4 $ 404,000 $ 101,000 $ 40,000
Union County Oregon 4 $ 353,000 $ 88,000 $ 65,000
Anderson County South Carolina 4 $ 454,000 $ 113,000 $ 90,000
Carter County Tennessee 4 $ 257,000 $ 64,000 $ 76,000
Davidson County Tennessee 4 $ 591,000 $ 147,000 $ 48,000
Loudon County Tennessee 4 $ 351,000 $ 87,000 $ 75,000
Sevier County Tennessee 4 $ 531,000 $ 132,000 $ 94,000
Williamson County Tennessee 4 $ 586,000 $ 146,000 $ 74,000
Austin County Texas 4 $ 408,000 $ 102,000 $ 57,000
Jasper County Texas 4 $ 317,000 $ 79,000 $ 92,000
Liberty County Texas 4 $ 244,000 $ 61,000 $ 36,000
Milam County Texas 4 $ 264,000 $ 66,000 $ 57,000
Nacogdoches County Texas 4 $ 256,000 $ 64,000 $ 75,000
Waller County Texas 4 $ 566,000 $ 141,000 $ 76,000
Williamson County Texas 4 $ 355,000 $ 88,000 $ 52,000
Summit County Utah 4 $ 848,000 $ 212,000 $ 103,000
Alexandria County Virginia 4 $ 726,000 $ 181,000 $ 73,000
Fauquier County Virginia 4 $ 2,200,000 $ 550,000 $ 122,000
Hopewell County Virginia 4 $ 167,000 $ 41,000 $ 67,000
Island County Washington 4 $ 457,000 $ 114,000 $ 41,000
Kittitas County Washington 4 $ 766,000 $ 191,000 $ 153,000
Mason County Washington 4 $ 337,000 $ 84,000 $ 44,000
Skagit County Washington 4 $ 658,000 $ 164,000 $ 95,000
Portage County Wisconsin 4 $ 469,000 $ 117,000 $ 69,000
Winnebago County Wisconsin 4 $ 399,000 $ 99,000 $ 44,000
Sheridan County Wyoming 4 $ 412,000 $ 103,000 $ 31,000
Sweetwater County Wyoming 4 $ 446,000 $ 111,000 $ 362,000
Gila County Arizona 3 $ 253,000 $ 84,000 $ 69,000
Crawford County Arkansas 3 $ 336,000 $ 112,000 $ 107,000
Lonoke County Arkansas 3 $ 218,000 $ 72,000 $ 41,000
Mariposa County California 3 $ 510,000 $ 170,000 $ 66,000
Tehama County California 3 $ 301,000 $ 100,000 $ 65,000
Tuolumne County California 3 $ 840,000 $ 280,000 $ 92,000
Boulder County Colorado 3 $ 449,000 $ 149,000 $ 75,000
Fremont County Colorado 3 $ 272,000 $ 90,000 $ 231,000
La Plata County Colorado 3 $ 373,000 $ 124,000 $ 50,000
Larimer County Colorado 3 $ 691,000 $ 230,000 $ 144,000
Pitkin County Colorado 3 $ 6,310,000 $ 2,103,000 $ 39,000
Middlesex County Connecticut 3 $ 383,000 $ 127,000 $ 43,000
DeSoto County Florida 3 $ 350,000 $ 116,000 $ 50,000
Highlands County Florida 3 $ 208,000 $ 69,000 $ 34,000
Levy County Florida 3 $ 281,000 $ 93,000 $ 56,000
Martin County Florida 3 $ 358,000 $ 119,000 $ 76,000
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Mortgage Loan Application Detail Totals for First Bank in 2004

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 10,498 $1,490,880,000 $111,340 $6,050,000 $69,787 $4,320,000
Refinancing 8,710 $1,488,022,000 $147,531 $10,000,000 $75,063 $4,468,000
Home Improvement 1,072 $126,319,000 $121,394 $1,850,000 $66,289 $2,304,000

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 10,434 $1,525,427,000 $128,914 $10,000,000 $76,106 $4,468,000
Hispanic 4,864 $788,242,000 $111,162 $1,747,000 $62,864 $2,304,000
Black or African American 1,961 $265,021,000 $135,666 $850,000 $73,277 $398,000
Not Provided 1,880 $267,543,000 $129,139 $1,050,000 $66,651 $1,350,000
Asian 846 $174,711,000 $133,406 $2,240,000 $81,218 $781,000
American Indian or Alaskan Native 126 $20,669,000 $113,894 $813,000 $77,000 $2,160,000
Native Hawaiian or Other Pacific Islander 109 $22,711,000 $131,071 $1,433,000 $59,785 $627,000
Not applicable 60 $40,897,000 $1,294,000 $9,000,000 $18,857 $276,000

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) 20,143 $3,094,295,000 $128,166 $10,000,000 $73,083 $4,468,000
FHA-insured (Federal Housing Administration) 79 $5,849,000 $75,666 $244,000 $33,000 $83,000
VA-guaranteed (Veterans Administration) 35 $3,677,000 $94,000 $240,000 $23,250 $106,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 23 $1,400,000 $61,333 $93,000 $29,333 $55,000

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 8,191 $1,237,983,000 $118,954 $10,000,000 $68,636 $4,468,000
Application Denied By Financial Institution 6,940 $1,072,557,000 $129,354 $2,650,000 $74,916 $2,820,000
Application Approved But Not Accepted 2,525 $418,758,000 $118,350 $1,850,000 $64,025 $2,144,000
Application Withdrawn By Applicant 2,060 $299,250,000 $126,642 $1,200,000 $68,380 $1,350,000
Preapproval Denied by Financial Institution 521 $71,330,000 $136,000 $660,000 $74,000 $708,000
Loan Purchased By The Institution 28 $2,794,000 $96,166 $343,000 $82,666 $240,000
File Closed For Incompleteness 15 $2,549,000 $168,200 $705,000 $74,800 $281,000
Preapproval Approved but not Accepted 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
Credit History 3,192 $449,529,000 $117,000 $2,650,000 $66,136 $850,000
Employment History 1,006 $156,264,000 $104,527 $865,000 $70,694 $743,000
Other 1,000 $166,165,000 $144,260 $1,000,000 $75,521 $2,160,000
Collateral 932 $139,834,000 $136,523 $2,400,000 $81,166 $2,820,000
Debt-To-Income Ratio 655 $109,443,000 $141,176 $1,493,000 $58,088 $303,000
Unverifiable Information 529 $97,838,000 $159,676 $765,000 $118,147 $1,620,000
Insufficient Cash (Downpayment, Closing Cost) 122 $20,614,000 $135,961 $1,300,000 $50,807 $300,000
Credit Application Incomplete 18 $2,896,000 $156,363 $329,000 $164,818 $708,000
Mortgage Insurance Denied 5 $749,000 $138,500 $334,000 $71,000 $77,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2004 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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