First Bank Mortgage Lending & HMDA Data, 2004

In 2004, First Bank of Saint Louis, MO reported 20,280 mortgage applications totaling $3.1 billion, down 37% from 2003. The average application was for $153,117, and applicants reported an average income of $78,745. 40% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,454), Riverside-San Bernardino-Ontario, CA (2,077) and St. Louis, MO-IL (913) (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 20,280
Total Mortgage Loan Application Amount $3,105,221,000
Average Mortgage Loan Application Amount $153,117
Highest Mortgage Loan Application Amount $10,000,000
Average Applicant Income $78,745
Highest Applicant Income $4,468,000

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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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, California 2,454 $ 547,728,000 $ 223,198 $ 101,000
Riverside, California 1,070 $ 199,358,000 $ 186,315 $ 87,000
San Bernardino, California 1,007 $ 170,188,000 $ 169,004 $ 78,000
Maricopa, Arizona 868 $ 104,412,000 $ 120,290 $ 93,000
Orange, California 538 $ 145,717,000 $ 270,849 $ 104,000
San Joaquin, California 441 $ 77,689,000 $ 176,165 $ 86,000
St. Louis, Missouri 405 $ 65,911,000 $ 162,743 $ 53,000
Clark, Nevada 402 $ 66,533,000 $ 165,504 $ 71,000
Harris, Texas 378 $ 30,980,000 $ 81,957 $ 71,000
Sacramento, California 345 $ 64,202,000 $ 186,092 $ 79,000
San Diego, California 226 $ 60,216,000 $ 266,442 $ 110,000
St. Clair, Illinois 206 $ 18,567,000 $ 90,131 $ 45,000
Fresno, California 185 $ 23,511,000 $ 127,086 $ 80,000
Broward, Florida 183 $ 28,321,000 $ 154,759 $ 84,000
Kern, California 175 $ 20,189,000 $ 115,365 $ 69,000
Clinton, Illinois 173 $ 15,554,000 $ 89,907 $ 52,000
Ventura, California 167 $ 46,902,000 $ 280,850 $ 137,000
St. Charles, Missouri 167 $ 22,746,000 $ 136,203 $ 50,000
Solano, California 165 $ 38,129,000 $ 231,084 $ 89,000
Knox, Illinois 144 $ 11,205,000 $ 77,812 $ 35,000
Miami-Dade, Florida 131 $ 19,108,000 $ 145,862 $ 73,000
Franklin, Missouri 131 $ 10,781,000 $ 82,297 $ 41,000
Gasconade, Missouri 122 $ 8,760,000 $ 71,803 $ 39,000
Randolph, Illinois 121 $ 8,986,000 $ 74,264 $ 40,000
Orange, Florida 112 $ 10,915,000 $ 97,455 $ 82,000
Palm Beach, Florida 111 $ 16,408,000 $ 147,819 $ 66,000
Cook, Illinois 111 $ 16,290,000 $ 146,756 $ 64,000
Wayne, Michigan 111 $ 11,607,000 $ 104,567 $ 72,000
Contra Costa, California 106 $ 24,858,000 $ 234,509 $ 97,000
Adams, Illinois 102 $ 8,129,000 $ 79,696 $ 43,000
Jersey, Illinois 97 $ 8,128,000 $ 83,793 $ 45,000
Madison, Illinois 96 $ 9,937,000 $ 103,510 $ 52,000
Fairfax, Virginia 89 $ 17,991,000 $ 202,146 $ 109,000
Stanislaus, California 87 $ 16,844,000 $ 193,609 $ 80,000
St. Louis City, Missouri 84 $ 12,582,000 $ 149,785 $ 47,000
Deschutes, Oregon 84 $ 14,381,000 $ 171,202 $ 75,000
Prince William, Virginia 83 $ 11,967,000 $ 144,180 $ 73,000
New Haven, Connecticut 81 $ 7,987,000 $ 98,604 $ 58,000
Hennepin, Minnesota 81 $ 11,557,000 $ 142,679 $ 73,000
King, Washington 81 $ 15,785,000 $ 194,876 $ 81,000
Pierce, Washington 80 $ 10,019,000 $ 125,237 $ 78,000
Pima, Arizona 78 $ 8,510,000 $ 109,102 $ 61,000
Santa Clara, California 78 $ 37,766,000 $ 484,179 $ 128,000
Santa Barbara, California 75 $ 33,302,000 $ 444,026 $ 259,000
Hillsborough, Florida 74 $ 9,348,000 $ 126,324 $ 80,000
Alameda, California 73 $ 18,329,000 $ 251,082 $ 110,000
Franklin, Illinois 73 $ 2,634,000 $ 36,082 $ 53,000
Hillsborough, New Hampshire 72 $ 10,853,000 $ 150,736 $ 70,000
Mohave, Arizona 70 $ 7,421,000 $ 106,014 $ 56,000
Fort Bend, Texas 70 $ 7,104,000 $ 101,485 $ 82,000
Oakland, Michigan 68 $ 9,829,000 $ 144,544 $ 76,000
Pike, Illinois 65 $ 3,076,000 $ 47,323 $ 41,000
Jefferson, Missouri 65 $ 6,926,000 $ 106,553 $ 46,000
Ste. Genevieve, Missouri 65 $ 4,143,000 $ 63,738 $ 45,000
St. Francois, Missouri 62 $ 3,956,000 $ 63,806 $ 32,000
Santa Cruz, California 61 $ 23,731,000 $ 389,032 $ 135,000
Tulare, California 61 $ 6,464,000 $ 105,967 $ 66,000
Shelby, Tennessee 59 $ 6,426,000 $ 108,915 $ 50,000
Imperial, California 58 $ 6,053,000 $ 104,362 $ 62,000
Lee, Florida 55 $ 7,050,000 $ 128,181 $ 58,000
Greene, Illinois 55 $ 2,567,000 $ 46,672 $ 35,000
Lawrence, Illinois 54 $ 2,976,000 $ 55,111 $ 45,000
Hartford, Connecticut 53 $ 6,095,000 $ 115,000 $ 60,000
Norfolk, Massachusetts 52 $ 10,057,000 $ 193,403 $ 83,000
Jackson, Missouri 52 $ 4,904,000 $ 94,307 $ 57,000
Merced, California 51 $ 8,485,000 $ 166,372 $ 72,000
Pinellas, Florida 51 $ 6,365,000 $ 124,803 $ 69,000
Warren, Missouri 50 $ 5,062,000 $ 101,240 $ 40,000
Brevard, Florida 49 $ 4,753,000 $ 97,000 $ 49,000
Salt Lake, Utah 49 $ 7,438,000 $ 151,795 $ 89,000
Placer, California 48 $ 13,038,000 $ 271,625 $ 110,000
Hamilton, Ohio 48 $ 4,512,000 $ 94,000 $ 60,000
Dallas, Texas 46 $ 5,199,000 $ 113,021 $ 83,000
El Paso, Colorado 45 $ 4,931,000 $ 109,577 $ 57,000
Monroe, Illinois 45 $ 4,769,000 $ 105,977 $ 49,000
Macomb, Michigan 45 $ 4,356,000 $ 96,800 $ 62,000
Pinal, Arizona 44 $ 3,913,000 $ 88,931 $ 49,000
Yavapai, Arizona 44 $ 7,464,000 $ 169,636 $ 104,000
Bond, Illinois 44 $ 2,611,000 $ 59,340 $ 33,000
Duval, Florida 42 $ 4,075,000 $ 97,023 $ 67,000
Peoria, Illinois 42 $ 3,394,000 $ 80,809 $ 40,000
Rockingham, New Hampshire 42 $ 5,848,000 $ 139,238 $ 69,000
El Dorado, California 41 $ 10,774,000 $ 262,780 $ 116,000
Adams, Colorado 41 $ 4,655,000 $ 113,536 $ 60,000
Denver, Colorado 41 $ 6,974,000 $ 170,097 $ 117,000
Scott, Illinois 41 $ 2,151,000 $ 52,463 $ 48,000
Middlesex, Massachusetts 40 $ 7,397,000 $ 184,925 $ 76,000
Montgomery, Missouri 40 $ 2,916,000 $ 72,900 $ 46,000
Washoe, Nevada 40 $ 6,847,000 $ 171,175 $ 84,000
Plymouth, Massachusetts 39 $ 5,953,000 $ 152,641 $ 72,000
Polk, Iowa 38 $ 2,828,000 $ 74,421 $ 51,000
Prince George's, Maryland 38 $ 5,583,000 $ 146,921 $ 67,000
Henrico, Virginia 38 $ 3,756,000 $ 98,842 $ 62,000
Snohomish, Washington 38 $ 6,646,000 $ 174,894 $ 84,000
Macoupin, Illinois 37 $ 2,558,000 $ 69,135 $ 45,000
Essex, Massachusetts 37 $ 5,563,000 $ 150,351 $ 72,000
Hinds, Mississippi 37 $ 2,326,000 $ 62,864 $ 49,000
Franklin, Ohio 37 $ 3,055,000 $ 82,567 $ 76,000
Arapahoe, Colorado 35 $ 3,785,000 $ 108,142 $ 73,000
Pasco, Florida 35 $ 2,885,000 $ 82,428 $ 46,000
Lake, Indiana 34 $ 2,277,000 $ 66,970 $ 54,000
Marion, Florida 33 $ 2,549,000 $ 77,242 $ 89,000
Seminole, Florida 33 $ 4,266,000 $ 129,272 $ 81,000
Volusia, Florida 33 $ 3,970,000 $ 120,303 $ 58,000
Flagler, Florida 32 $ 3,517,000 $ 109,906 $ 47,000
Fairfield, Connecticut 31 $ 6,846,000 $ 220,838 $ 63,000
Summit, Ohio 31 $ 4,653,000 $ 150,096 $ 86,000
Chesterfield, Virginia 31 $ 3,265,000 $ 105,322 $ 62,000
Cochise, Arizona 30 $ 2,144,000 $ 71,466 $ 55,000
El Paso, Texas 30 $ 1,850,000 $ 61,666 $ 47,000
Montgomery, Texas 30 $ 3,078,000 $ 102,600 $ 69,000
Madera, California 29 $ 4,757,000 $ 164,034 $ 94,000
Jefferson, Colorado 29 $ 3,592,000 $ 123,862 $ 86,000
Polk, Florida 29 $ 2,643,000 $ 91,137 $ 54,000
San Mateo, California 28 $ 7,921,000 $ 282,892 $ 98,000
Hampden, Massachusetts 28 $ 3,241,000 $ 115,750 $ 53,000
Weld, Colorado 27 $ 3,056,000 $ 113,185 $ 51,000
Cameron, Texas 27 $ 2,009,000 $ 74,407 $ 61,000
Kitsap, Washington 27 $ 3,927,000 $ 145,444 $ 70,000
Marion, Indiana 26 $ 2,230,000 $ 85,769 $ 62,000
Osceola, Florida 25 $ 2,875,000 $ 115,000 $ 50,000
Marion, Illinois 25 $ 1,046,000 $ 41,840 $ 41,000
Kent, Michigan 25 $ 2,332,000 $ 93,280 $ 59,000
Merrimack, New Hampshire 25 $ 2,899,000 $ 115,960 $ 52,000
Montgomery, Ohio 25 $ 1,966,000 $ 78,640 $ 71,000
Richland, South Carolina 25 $ 1,928,000 $ 77,120 $ 44,000
Calhoun, Michigan 24 $ 1,606,000 $ 66,916 $ 50,000
Genesee, Michigan 24 $ 2,578,000 $ 107,416 $ 51,000
Douglas, Nebraska 24 $ 1,956,000 $ 81,500 $ 55,000
Kings, California 23 $ 2,145,000 $ 93,260 $ 45,000
Bristol, Massachusetts 23 $ 3,634,000 $ 158,000 $ 71,000
Multnomah, Oregon 23 $ 2,472,000 $ 107,478 $ 63,000
Tarrant, Texas 23 $ 2,219,000 $ 96,478 $ 73,000
Butte, California 22 $ 2,781,000 $ 126,409 $ 61,000
Williamson, Illinois 22 $ 757,000 $ 34,409 $ 49,000
Worcester, Massachusetts 22 $ 3,396,000 $ 154,363 $ 94,000
Cuyahoga, Ohio 22 $ 2,454,000 $ 111,545 $ 53,000
Washington, Utah 22 $ 2,295,000 $ 104,318 $ 78,000
Yolo, California 21 $ 5,042,000 $ 240,095 $ 77,000
Suffolk, Massachusetts 21 $ 3,662,000 $ 174,380 $ 79,000
Napa, California 20 $ 4,503,000 $ 225,150 $ 102,000
Sonoma, California 20 $ 5,196,000 $ 259,800 $ 128,000
Okaloosa, Florida 20 $ 2,163,000 $ 108,150 $ 51,000
Jackson, Illinois 20 $ 1,012,000 $ 50,600 $ 55,000
Morgan, Illinois 20 $ 1,234,000 $ 61,700 $ 41,000
Jefferson, Kentucky 20 $ 1,765,000 $ 88,250 $ 47,000
East Baton Rouge, Louisiana 20 $ 1,660,000 $ 83,000 $ 43,000
Guilford, North Carolina 20 $ 1,694,000 $ 84,700 $ 49,000
Bexar, Texas 20 $ 1,606,000 $ 80,300 $ 52,000
Brazoria, Texas 20 $ 2,230,000 $ 111,500 $ 78,000
Virginia Beach, Virginia 20 $ 2,292,000 $ 114,600 $ 60,000
Fayette, Illinois 19 $ 639,000 $ 33,631 $ 59,000
Bernalillo, New Mexico 19 $ 2,364,000 $ 124,421 $ 51,000
Loudoun, Virginia 19 $ 4,047,000 $ 213,000 $ 77,000
Johnson, Kansas 18 $ 2,690,000 $ 149,444 $ 84,000
Harrison, Mississippi 18 $ 1,240,000 $ 68,888 $ 42,000
Collin, Texas 18 $ 2,685,000 $ 149,166 $ 216,000
Lake, Florida 17 $ 1,614,000 $ 94,941 $ 77,000
Fulton, Georgia 17 $ 2,911,000 $ 171,235 $ 102,000
Berrien, Michigan 17 $ 1,384,000 $ 81,411 $ 105,000
Wake, North Carolina 17 $ 2,525,000 $ 148,529 $ 65,000
Monterey, California 16 $ 4,120,000 $ 257,500 $ 96,000
St. Lucie, Florida 16 $ 1,989,000 $ 124,312 $ 54,000
Sangamon, Illinois 16 $ 1,387,000 $ 86,687 $ 40,000
Providence, Rhode Island 16 $ 2,081,000 $ 130,062 $ 66,000
Galveston, Texas 16 $ 1,199,000 $ 74,937 $ 77,000
Norfolk, Virginia 16 $ 2,303,000 $ 143,937 $ 80,000
Milwaukee, Wisconsin 16 $ 2,757,000 $ 172,312 $ 79,000
Yuma, Arizona 15 $ 1,196,000 $ 79,733 $ 47,000
Calaveras, California 15 $ 3,126,000 $ 208,400 $ 106,000
San Francisco, California 15 $ 5,639,000 $ 375,933 $ 110,000
Yuba, California 15 $ 1,978,000 $ 131,866 $ 55,000
Litchfield, Connecticut 15 $ 2,753,000 $ 183,533 $ 166,000
Sarasota, Florida 15 $ 2,143,000 $ 142,866 $ 112,000
Jasper, Iowa 15 $ 1,249,000 $ 83,266 $ 66,000
DeSoto, Mississippi 15 $ 1,177,000 $ 78,466 $ 51,000
Stark, Ohio 15 $ 1,130,000 $ 75,333 $ 85,000
Utah, Utah 15 $ 1,912,000 $ 127,466 $ 77,000
Clark, Washington 15 $ 2,702,000 $ 180,133 $ 82,000
Grays Harbor, Washington 15 $ 1,171,000 $ 78,066 $ 66,000
San Luis Obispo, California 14 $ 4,969,000 $ 354,928 $ 144,000
Collier, Florida 14 $ 2,541,000 $ 181,500 $ 306,000
St. Johns, Florida 14 $ 1,719,000 $ 122,785 $ 38,000
Gwinnett, Georgia 14 $ 1,750,000 $ 125,000 $ 67,000
Warren, Illinois 14 $ 1,360,000 $ 97,142 $ 67,000
Lapeer, Michigan 14 $ 1,590,000 $ 113,571 $ 54,000
Dakota, Minnesota 14 $ 2,256,000 $ 161,142 $ 86,000
Lake, Ohio 14 $ 1,230,000 $ 87,857 $ 71,000
Warren, Ohio 14 $ 1,054,000 $ 75,285 $ 54,000
Richmond City, Virginia 14 $ 827,000 $ 59,071 $ 33,000
Suffolk, Virginia 14 $ 1,406,000 $ 100,428 $ 64,000
Spokane, Washington 14 $ 1,456,000 $ 104,000 $ 51,000
Pulaski, Arkansas 13 $ 915,000 $ 70,384 $ 45,000
DeKalb, Georgia 13 $ 1,310,000 $ 100,769 $ 57,000
Blue Earth, Minnesota 13 $ 1,033,000 $ 79,461 $ 45,000
Ramsey, Minnesota 13 $ 1,823,000 $ 140,230 $ 74,000
Lyon, Nevada 13 $ 1,500,000 $ 115,384 $ 72,000
Belknap, New Hampshire 13 $ 2,097,000 $ 161,307 $ 106,000
Forsyth, North Carolina 13 $ 967,000 $ 74,384 $ 45,000
Mecklenburg, North Carolina 13 $ 1,881,000 $ 144,692 $ 78,000
Douglas, Colorado 12 $ 2,325,000 $ 193,750 $ 109,000
Leon, Florida 12 $ 1,249,000 $ 104,083 $ 50,000
Sedgwick, Kansas 12 $ 840,000 $ 70,000 $ 43,000
Montgomery, Maryland 12 $ 2,245,000 $ 187,083 $ 130,000
Franklin, Massachusetts 12 $ 1,165,000 $ 97,083 $ 46,000
Ingham, Michigan 12 $ 2,058,000 $ 171,500 $ 75,000
Lancaster, Nebraska 12 $ 1,233,000 $ 102,750 $ 45,000
Cumberland, North Carolina 12 $ 1,209,000 $ 100,750 $ 125,000
Mahoning, Ohio 12 $ 947,000 $ 78,916 $ 69,000
Linn, Oregon 12 $ 1,267,000 $ 105,583 $ 45,000
Weber, Utah 12 $ 814,000 $ 67,833 $ 39,000
Navajo, Arizona 11 $ 998,000 $ 90,727 $ 80,000
Lake, California 11 $ 1,811,000 $ 164,636 $ 61,000
Cheshire, New Hampshire 11 $ 1,265,000 $ 115,000 $ 71,000
Lucas, Ohio 11 $ 1,169,000 $ 106,272 $ 72,000
Medina, Ohio 11 $ 1,171,000 $ 106,454 $ 111,000
Jefferson, Oregon 11 $ 833,000 $ 75,727 $ 63,000
Hidalgo, Texas 11 $ 685,000 $ 62,272 $ 50,000
Jefferson, Texas 11 $ 524,000 $ 47,636 $ 46,000
Travis, Texas 11 $ 1,359,000 $ 123,545 $ 114,000
Chesapeake, Virginia 11 $ 1,340,000 $ 121,818 $ 62,000
Hanover, Virginia 11 $ 1,856,000 $ 168,727 $ 107,000
Coconino, Arizona 10 $ 1,661,000 $ 166,100 $ 179,000
Graham, Arizona 10 $ 795,000 $ 79,500 $ 51,000
Escambia, Florida 10 $ 882,000 $ 88,200 $ 51,000
Manatee, Florida 10 $ 1,332,000 $ 133,200 $ 70,000
Santa Rosa, Florida 10 $ 1,115,000 $ 111,500 $ 64,000
Bonner, Idaho 10 $ 1,125,000 $ 112,500 $ 77,000
Henry, Illinois 10 $ 622,000 $ 62,200 $ 40,000
Tazewell, Illinois 10 $ 805,000 $ 80,500 $ 36,000
Shawnee, Kansas 10 $ 1,238,000 $ 123,800 $ 39,000
Wyandotte, Kansas 10 $ 1,122,000 $ 112,200 $ 55,000
Kalamazoo, Michigan 10 $ 883,000 $ 88,300 $ 45,000
St. Clair, Michigan 10 $ 1,089,000 $ 108,900 $ 52,000
Madison, Mississippi 10 $ 989,000 $ 98,900 $ 64,000
Sullivan, New Hampshire 10 $ 870,000 $ 87,000 $ 62,000
Sandoval, New Mexico 10 $ 1,130,000 $ 113,000 $ 42,000
Butler, Ohio 10 $ 1,132,000 $ 113,200 $ 100,000
Clackamas, Oregon 10 $ 1,464,000 $ 146,400 $ 71,000
Columbia, Oregon 10 $ 1,203,000 $ 120,300 $ 73,000
Berkeley, South Carolina 10 $ 1,226,000 $ 122,600 $ 95,000
Hampton, Virginia 10 $ 1,206,000 $ 120,600 $ 49,000
Anchorage, Alaska 9 $ 1,579,000 $ 175,444 $ 88,000
Shasta, California 9 $ 1,107,000 $ 123,000 $ 129,000
Sutter, California 9 $ 1,693,000 $ 188,111 $ 66,000
Pueblo, Colorado 9 $ 676,000 $ 75,111 $ 99,000
Charlotte, Florida 9 $ 999,000 $ 111,000 $ 52,000
Citrus, Florida 9 $ 600,000 $ 66,666 $ 44,000
Hernando, Florida 9 $ 1,028,000 $ 114,222 $ 57,000
Canyon, Idaho 9 $ 740,000 $ 82,222 $ 48,000
Kane, Illinois 9 $ 770,000 $ 85,555 $ 45,000
Scott, Iowa 9 $ 629,000 $ 69,888 $ 34,000
Baltimore, Maryland 9 $ 1,542,000 $ 171,333 $ 60,000
Livingston, Michigan 9 $ 2,261,000 $ 251,222 $ 120,000
Muskegon, Michigan 9 $ 777,000 $ 86,333 $ 49,000
Rankin, Mississippi 9 $ 729,000 $ 81,000 $ 43,000
Buchanan, Missouri 9 $ 816,000 $ 90,666 $ 59,000
Clay, Missouri 9 $ 952,000 $ 105,777 $ 57,000
Crawford, Missouri 9 $ 905,000 $ 100,555 $ 38,000
Greene, Missouri 9 $ 1,047,000 $ 116,333 $ 50,000
Sarpy, Nebraska 9 $ 602,000 $ 66,888 $ 66,000
Grafton, New Hampshire 9 $ 898,000 $ 99,777 $ 82,000
Santa Fe, New Mexico 9 $ 1,665,000 $ 185,000 $ 98,000
Miami, Ohio 9 $ 689,000 $ 76,555 $ 57,000
Jackson, Oregon 9 $ 1,175,000 $ 130,555 $ 45,000
Washington, Oregon 9 $ 1,397,000 $ 155,222 $ 54,000
Arlington, Virginia 9 $ 2,637,000 $ 293,000 $ 92,000
Newport News, Virginia 9 $ 912,000 $ 101,333 $ 50,000
Spotsylvania, Virginia 9 $ 1,137,000 $ 126,333 $ 74,000
Thurston, Washington 9 $ 1,005,000 $ 111,666 $ 55,000
Waukesha, Wisconsin 9 $ 601,000 $ 66,777 $ 55,000
Garland, Arkansas 8 $ 772,000 $ 96,500 $ 121,000
Alachua, Florida 8 $ 666,000 $ 83,250 $ 151,000
Bannock, Idaho 8 $ 810,000 $ 101,250 $ 43,000
DuPage, Illinois 8 $ 1,417,000 $ 177,125 $ 56,000
Fulton, Illinois 8 $ 570,000 $ 71,250 $ 19,000
Clark, Indiana 8 $ 551,000 $ 68,875 $ 53,000
Porter, Indiana 8 $ 767,000 $ 95,875 $ 67,000
St. Joseph, Indiana 8 $ 569,000 $ 71,125 $ 50,000
Barnstable, Massachusetts 8 $ 1,553,000 $ 194,125 $ 120,000
Anoka, Minnesota 8 $ 1,010,000 $ 126,250 $ 64,000
Sherburne, Minnesota 8 $ 1,221,000 $ 152,625 $ 80,000
Lincoln, Missouri 8 $ 637,000 $ 79,625 $ 34,000
Strafford, New Hampshire 8 $ 863,000 $ 107,875 $ 66,000
Durham, North Carolina 8 $ 887,000 $ 110,875 $ 33,000
Licking, Ohio 8 $ 656,000 $ 82,000 $ 58,000
Crook, Oregon 8 $ 641,000 $ 80,125 $ 89,000
Josephine, Oregon 8 $ 771,000 $ 96,375 $ 44,000
Lane, Oregon 8 $ 1,099,000 $ 137,375 $ 28,000
Yamhill, Oregon 8 $ 974,000 $ 121,750 $ 49,000
Spartanburg, South Carolina 8 $ 641,000 $ 80,125 $ 59,000
Denton, Texas 8 $ 940,000 $ 117,500 $ 106,000
Hardin, Texas 8 $ 443,000 $ 55,375 $ 45,000
Yakima, Washington 8 $ 742,000 $ 92,750 $ 51,000
Washington, Wisconsin 8 $ 787,000 $ 98,375 $ 60,000
Natrona, Wyoming 8 $ 697,000 $ 87,125 $ 40,000
Bay, Florida 7 $ 657,000 $ 93,857 $ 49,000
Monroe, Florida 7 $ 2,373,000 $ 339,000 $ 218,000
Ada, Idaho 7 $ 865,000 $ 123,571 $ 49,000
Lake, Illinois 7 $ 804,000 $ 114,857 $ 64,000
Whiteside, Illinois 7 $ 470,000 $ 67,142 $ 57,000
Black Hawk, Iowa 7 $ 611,000 $ 87,285 $ 101,000
Linn, Iowa 7 $ 494,000 $ 70,571 $ 58,000
Jefferson, Louisiana 7 $ 577,000 $ 82,428 $ 107,000
Berkshire, Massachusetts 7 $ 497,000 $ 71,000 $ 60,000
Hampshire, Massachusetts 7 $ 1,125,000 $ 160,714 $ 66,000
Van Buren, Michigan 7 $ 871,000 $ 124,428 $ 82,000
Olmsted, Minnesota 7 $ 674,000 $ 96,285 $ 44,000
Washington, Minnesota 7 $ 774,000 $ 110,571 $ 52,000
Cole, Missouri 7 $ 546,000 $ 78,000 $ 37,000
Flathead, Montana 7 $ 1,232,000 $ 176,000 $ 47,000
Lewis and Clark, Montana 7 $ 1,357,000 $ 193,857 $ 55,000
Nye, Nevada 7 $ 692,000 $ 98,857 $ 55,000
Onslow, North Carolina 7 $ 699,000 $ 99,857 $ 48,000
Darke, Ohio 7 $ 609,000 $ 87,000 $ 52,000
Delaware, Ohio 7 $ 1,138,000 $ 162,571 $ 117,000
Lorain, Ohio 7 $ 546,000 $ 78,000 $ 45,000
Douglas, Oregon 7 $ 618,000 $ 88,285 $ 35,000
Marion, Oregon 7 $ 618,000 $ 88,285 $ 44,000
Chester, Pennsylvania 7 $ 2,252,000 $ 321,714 $ 226,000
Delaware, Pennsylvania 7 $ 620,000 $ 88,571 $ 77,000
Lehigh, Pennsylvania 7 $ 794,000 $ 113,428 $ 94,000
Greenville, South Carolina 7 $ 596,000 $ 85,142 $ 44,000
Stafford, Virginia 7 $ 1,331,000 $ 190,142 $ 84,000
Grant, Washington 7 $ 800,000 $ 114,285 $ 49,000
Carbon, Wyoming 7 $ 410,000 $ 58,571 $ 79,000
Craighead, Arkansas 6 $ 548,000 $ 91,333 $ 98,000
Phillips, Arkansas 6 $ 344,000 $ 57,333 $ 38,000
Amador, California 6 $ 1,008,000 $ 168,000 $ 69,000
Nevada, California 6 $ 1,032,000 $ 172,000 $ 96,000
Walton, Florida 6 $ 930,000 $ 155,000 $ 114,000
Clayton, Georgia 6 $ 740,000 $ 123,333 $ 63,000
Kootenai, Idaho 6 $ 625,000 $ 104,166 $ 74,000
Clinton, Iowa 6 $ 283,000 $ 47,166 $ 52,000
Fayette, Kentucky 6 $ 474,000 $ 79,000 $ 53,000
Hardin, Kentucky 6 $ 494,000 $ 82,333 $ 67,000
Livingston, Louisiana 6 $ 499,000 $ 83,166 $ 96,000
Orleans, Louisiana 6 $ 1,081,000 $ 180,166 $ 170,000
York, Maine 6 $ 3,324,000 $ 554,000 $ 363,000
Howard, Maryland 6 $ 1,313,000 $ 218,833 $ 109,000
Barry, Michigan 6 $ 654,000 $ 109,000 $ 66,000
Washtenaw, Michigan 6 $ 887,000 $ 147,833 $ 59,000
Jackson, Mississippi 6 $ 426,000 $ 71,000 $ 31,000
Jasper, Missouri 6 $ 577,000 $ 96,166 $ 66,000
Perry, Missouri 6 $ 320,000 $ 53,333 $ 22,000
Stone, Missouri 6 $ 538,000 $ 89,666 $ 30,000
Dona Ana, New Mexico 6 $ 558,000 $ 93,000 $ 40,000
Randolph, North Carolina 6 $ 739,000 $ 123,166 $ 53,000
Union, North Carolina 6 $ 671,000 $ 111,833 $ 52,000
Allen, Ohio 6 $ 531,000 $ 88,500 $ 55,000
Fairfield, Ohio 6 $ 964,000 $ 160,666 $ 94,000
Trumbull, Ohio 6 $ 490,000 $ 81,666 $ 65,000
Klamath, Oregon 6 $ 743,000 $ 123,833 $ 93,000
Lincoln, Oregon 6 $ 611,000 $ 101,833 $ 32,000
Monroe, Pennsylvania 6 $ 658,000 $ 109,666 $ 58,000
Northampton, Pennsylvania 6 $ 482,000 $ 80,333 $ 41,000
Philadelphia, Pennsylvania 6 $ 471,000 $ 78,500 $ 41,000
Kent, Rhode Island 6 $ 1,368,000 $ 228,000 $ 75,000
Knox, Tennessee 6 $ 315,000 $ 52,500 $ 33,000
Cache, Utah 6 $ 669,000 $ 111,500 $ 50,000
Davis, Utah 6 $ 665,000 $ 110,833 $ 93,000
Tooele, Utah 6 $ 430,000 $ 71,666 $ 85,000
Manassas, Virginia 6 $ 745,000 $ 124,166 $ 54,000
Barron, Wisconsin 6 $ 423,000 $ 70,500 $ 51,000
Laramie, Wyoming 6 $ 584,000 $ 97,333 $ 52,000
Crittenden, Arkansas 5 $ 548,000 $ 109,600 $ 92,000
Jefferson, Arkansas 5 $ 337,000 $ 67,400 $ 72,000
Marin, California 5 $ 4,119,000 $ 823,800 $ 71,000
Mesa, Colorado 5 $ 718,000 $ 143,600 $ 62,000
Montrose, Colorado 5 $ 483,000 $ 96,600 $ 49,000
New London, Connecticut 5 $ 659,000 $ 131,800 $ 54,000
Clay, Florida 5 $ 731,000 $ 146,200 $ 94,000
Bibb, Georgia 5 $ 610,000 $ 122,000 $ 74,000
Cobb, Georgia 5 $ 890,000 $ 178,000 $ 52,000
Mason, Illinois 5 $ 146,000 $ 29,200 $ 41,000
Winnebago, Illinois 5 $ 615,000 $ 123,000 $ 59,000
Hamilton, Indiana 5 $ 324,000 $ 64,800 $ 47,000
Charles, Maryland 5 $ 1,355,000 $ 271,000 $ 95,000
Clinton, Michigan 5 $ 851,000 $ 170,200 $ 92,000
Jackson, Michigan 5 $ 647,000 $ 129,400 $ 168,000
Ottawa, Michigan 5 $ 380,000 $ 76,000 $ 56,000
Saginaw, Michigan 5 $ 290,000 $ 58,000 $ 52,000
St. Joseph, Michigan 5 $ 422,000 $ 84,400 $ 50,000
Steele, Minnesota 5 $ 429,000 $ 85,800 $ 49,000
Boone, Missouri 5 $ 538,000 $ 107,600 $ 59,000
Maries, Missouri 5 $ 668,000 $ 133,600 $ 48,000
Marion, Missouri 5 $ 283,000 $ 56,600 $ 91,000
Yellowstone, Montana 5 $ 611,000 $ 122,200 $ 66,000
Carroll, New Hampshire 5 $ 1,534,000 $ 306,800 $ 54,000
Chaves, New Mexico 5 $ 380,000 $ 76,000 $ 49,000
Lea, New Mexico 5 $ 266,000 $ 53,200 $ 58,000
Suffolk, New York 5 $ 739,000 $ 147,800 $ 43,000
Buncombe, North Carolina 5 $ 737,000 $ 147,400 $ 49,000
Davidson, North Carolina 5 $ 452,000 $ 90,400 $ 132,000
Johnston, North Carolina 5 $ 654,000 $ 130,800 $ 73,000
Rutherford, North Carolina 5 $ 799,000 $ 159,800 $ 43,000
Champaign, Ohio 5 $ 471,000 $ 94,200 $ 44,000
Allegheny, Pennsylvania 5 $ 369,000 $ 73,800 $ 88,000
Dauphin, Pennsylvania 5 $ 548,000 $ 109,600 $ 57,000
Sullivan, Tennessee 5 $ 587,000 $ 117,400 $ 95,000
Bastrop, Texas 5 $ 278,000 $ 55,600 $ 49,000
King William, Virginia 5 $ 493,000 $ 98,600 $ 95,000
Portsmouth, Virginia 5 $ 324,000 $ 64,800 $ 38,000
Benton, Washington 5 $ 476,000 $ 95,200 $ 45,000
Cowlitz, Washington 5 $ 660,000 $ 132,000 $ 49,000
Lewis, Washington 5 $ 456,000 $ 91,200 $ 48,000
Adams, Wisconsin 5 $ 634,000 $ 126,800 $ 91,000
Santa Cruz, Arizona 4 $ 229,000 $ 57,250 $ 84,000
Colusa, California 4 $ 759,000 $ 189,750 $ 63,000
Mendocino, California 4 $ 500,000 $ 125,000 $ 58,000
Garfield, Colorado 4 $ 908,000 $ 227,000 $ 94,000
Otero, Colorado 4 $ 222,000 $ 55,500 $ 23,000
Windham, Connecticut 4 $ 403,000 $ 100,750 $ 66,000
Cherokee, Georgia 4 $ 608,000 $ 152,000 $ 94,000
Clarke, Georgia 4 $ 297,000 $ 74,250 $ 50,000
Forsyth, Georgia 4 $ 609,000 $ 152,250 $ 82,000
Henry, Georgia 4 $ 314,000 $ 78,500 $ 45,000
Rockdale, Georgia 4 $ 426,000 $ 106,500 $ 64,000
Whitfield, Georgia 4 $ 468,000 $ 117,000 $ 64,000
Macon, Illinois 4 $ 122,000 $ 30,500 $ 20,000
Perry, Illinois 4 $ 253,000 $ 63,250 $ 48,000
Richland, Illinois 4 $ 464,000 $ 116,000 $ 57,000
Will, Illinois 4 $ 657,000 $ 164,250 $ 102,000
Allen, Indiana 4 $ 513,000 $ 128,250 $ 96,000
Floyd, Indiana 4 $ 297,000 $ 74,250 $ 42,000
Gibson, Indiana 4 $ 594,000 $ 148,500 $ 103,000
Noble, Indiana 4 $ 408,000 $ 102,000 $ 82,000
Wayne, Indiana 4 $ 264,000 $ 66,000 $ 57,000
Pottawattamie, Iowa 4 $ 301,000 $ 75,250 $ 55,000
Warren, Iowa 4 $ 203,000 $ 50,750 $ 48,000
Douglas, Kansas 4 $ 416,000 $ 104,000 $ 124,000
Harvey, Kansas 4 $ 383,000 $ 95,750 $ 42,000
Leavenworth, Kansas 4 $ 414,000 $ 103,500 $ 33,000
Clark, Kentucky 4 $ 241,000 $ 60,250 $ 25,000
Floyd, Kentucky 4 $ 310,000 $ 77,500 $ 74,000
Russell, Kentucky 4 $ 410,000 $ 102,500 $ 68,000
Allegan, Michigan 4 $ 543,000 $ 135,750 $ 61,000
Huron, Michigan 4 $ 263,000 $ 65,750 $ 39,000
Ionia, Michigan 4 $ 333,000 $ 83,250 $ 52,000
Carlton, Minnesota 4 $ 390,000 $ 97,500 $ 42,000
Chisago, Minnesota 4 $ 361,000 $ 90,250 $ 46,000
Scott, Minnesota 4 $ 587,000 $ 146,750 $ 58,000
Butler, Missouri 4 $ 333,000 $ 83,250 $ 87,000
Camden, Missouri 4 $ 417,000 $ 104,250 $ 1,189,000
Christian, Missouri 4 $ 410,000 $ 102,500 $ 54,000
Lawrence, Missouri 4 $ 357,000 $ 89,250 $ 33,000
Lewis, Missouri 4 $ 345,000 $ 86,250 $ 64,000
Ralls, Missouri 4 $ 395,000 $ 98,750 $ 25,000
Taney, Missouri 4 $ 526,000 $ 131,500 $ 81,000
Gallatin, Montana 4 $ 516,000 $ 129,000 $ 43,000
Carson City, Nevada 4 $ 840,000 $ 210,000 $ 59,000
Elko, Nevada 4 $ 328,000 $ 82,000 $ 78,000
Otero, New Mexico 4 $ 306,000 $ 76,500 $ 39,000
Cleveland, North Carolina 4 $ 394,000 $ 98,500 $ 64,000
Crawford, Ohio 4 $ 223,000 $ 55,750 $ 71,000
Greene, Ohio 4 $ 313,000 $ 78,250 $ 38,000
Ross, Ohio 4 $ 262,000 $ 65,500 $ 38,000
Coos, Oregon 4 $ 404,000 $ 101,000 $ 40,000
Union, Oregon 4 $ 353,000 $ 88,250 $ 65,000
Anderson, South Carolina 4 $ 454,000 $ 113,500 $ 90,000
Carter, Tennessee 4 $ 257,000 $ 64,250 $ 76,000
Davidson, Tennessee 4 $ 591,000 $ 147,750 $ 48,000
Loudon, Tennessee 4 $ 351,000 $ 87,750 $ 75,000
Sevier, Tennessee 4 $ 531,000 $ 132,750 $ 94,000
Williamson, Tennessee 4 $ 586,000 $ 146,500 $ 74,000
Austin, Texas 4 $ 408,000 $ 102,000 $ 57,000
Jasper, Texas 4 $ 317,000 $ 79,250 $ 92,000
Liberty, Texas 4 $ 244,000 $ 61,000 $ 36,000
Milam, Texas 4 $ 264,000 $ 66,000 $ 57,000
Nacogdoches, Texas 4 $ 256,000 $ 64,000 $ 75,000
Waller, Texas 4 $ 566,000 $ 141,500 $ 76,000
Williamson, Texas 4 $ 355,000 $ 88,750 $ 52,000
Summit, Utah 4 $ 848,000 $ 212,000 $ 103,000
Alexandria, Virginia 4 $ 726,000 $ 181,500 $ 73,000
Fauquier, Virginia 4 $ 2,200,000 $ 550,000 $ 122,000
Hopewell, Virginia 4 $ 167,000 $ 41,750 $ 67,000
Island, Washington 4 $ 457,000 $ 114,250 $ 41,000
Kittitas, Washington 4 $ 766,000 $ 191,500 $ 153,000
Mason, Washington 4 $ 337,000 $ 84,250 $ 44,000
Skagit, Washington 4 $ 658,000 $ 164,500 $ 95,000
Portage, Wisconsin 4 $ 469,000 $ 117,250 $ 69,000
Winnebago, Wisconsin 4 $ 399,000 $ 99,750 $ 44,000
Sheridan, Wyoming 4 $ 412,000 $ 103,000 $ 31,000
Sweetwater, Wyoming 4 $ 446,000 $ 111,500 $ 362,000
Gila, Arizona 3 $ 253,000 $ 84,333 $ 69,000
Crawford, Arkansas 3 $ 336,000 $ 112,000 $ 107,000
Lonoke, Arkansas 3 $ 218,000 $ 72,666 $ 41,000
Mariposa, California 3 $ 510,000 $ 170,000 $ 66,000
Tehama, California 3 $ 301,000 $ 100,333 $ 65,000
Tuolumne, California 3 $ 840,000 $ 280,000 $ 92,000
Boulder, Colorado 3 $ 449,000 $ 149,666 $ 75,000
Fremont, Colorado 3 $ 272,000 $ 90,666 $ 231,000
La Plata, Colorado 3 $ 373,000 $ 124,333 $ 50,000
Larimer, Colorado 3 $ 691,000 $ 230,333 $ 144,000
Pitkin, Colorado 3 $ 6,310,000 $ 2,103,333 $ 39,000
Middlesex, Connecticut 3 $ 383,000 $ 127,666 $ 43,000
DeSoto, Florida 3 $ 350,000 $ 116,666 $ 50,000
Highlands, Florida 3 $ 208,000 $ 69,333 $ 34,000
Levy, Florida 3 $ 281,000 $ 93,666 $ 56,000
Martin, Florida 3 $ 358,000 $ 119,333 $ 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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