First Bank Mortgage Lending & HMDA Data, 2005

In 2005, First Bank of Saint Louis, MO reported 22,498 mortgage applications totaling $4.3 billion, up 11% from 2004. The average application was for $190,148, and applicants reported an average income of $86,938. 42% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (2,699), Los Angeles-Long Beach-Glendale, CA (2,500) and St. Louis, MO-IL (922) (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 22,498
Total Mortgage Loan Application Amount $4,277,954,000
Average Mortgage Loan Application Amount $190,148
Highest Mortgage Loan Application Amount $9,500,000
Average Applicant Income $86,938
Highest Applicant Income $9,000,000

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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

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 2,500 $ 739,084,000 $ 295,633 $ 104,000
Riverside, California 1,363 $ 328,010,000 $ 240,652 $ 94,000
San Bernardino, California 1,336 $ 277,125,000 $ 207,428 $ 86,000
Maricopa, Arizona 720 $ 117,443,000 $ 163,115 $ 80,000
Orange, California 712 $ 262,477,000 $ 368,647 $ 136,000
San Joaquin, California 620 $ 142,690,000 $ 230,145 $ 100,000
Clark, Nevada 571 $ 104,257,000 $ 182,586 $ 84,000
Sacramento, California 416 $ 102,684,000 $ 246,836 $ 97,000
St. Louis, Missouri 410 $ 63,449,000 $ 154,753 $ 68,000
Cook, Illinois 365 $ 55,415,000 $ 151,821 $ 64,000
San Diego, California 305 $ 94,912,000 $ 311,186 $ 109,000
Fresno, California 267 $ 42,491,000 $ 159,142 $ 72,000
Harris, Texas 243 $ 18,258,000 $ 75,135 $ 62,000
St. Clair, Illinois 220 $ 17,509,000 $ 79,586 $ 60,000
Broward, Florida 198 $ 30,613,000 $ 154,611 $ 147,000
Contra Costa, California 179 $ 69,793,000 $ 389,905 $ 140,000
Clinton, Illinois 174 $ 13,884,000 $ 79,793 $ 55,000
Miami-Dade, Florida 170 $ 31,510,000 $ 185,352 $ 101,000
Ventura, California 152 $ 54,142,000 $ 356,197 $ 136,000
Solano, California 151 $ 48,267,000 $ 319,649 $ 115,000
Wayne, Michigan 144 $ 15,745,000 $ 109,340 $ 72,000
Kern, California 141 $ 19,850,000 $ 140,780 $ 73,000
St. Charles, Missouri 138 $ 14,603,000 $ 105,818 $ 68,000
Stanislaus, California 130 $ 29,817,000 $ 229,361 $ 95,000
Alameda, California 129 $ 48,267,000 $ 374,162 $ 129,000
Franklin, Missouri 129 $ 14,496,000 $ 112,372 $ 82,000
Santa Clara, California 124 $ 57,389,000 $ 462,814 $ 163,000
Adams, Illinois 123 $ 8,976,000 $ 72,975 $ 33,000
Mohave, Arizona 114 $ 13,926,000 $ 122,157 $ 72,000
Palm Beach, Florida 110 $ 21,764,000 $ 197,854 $ 92,000
King, Washington 110 $ 21,876,000 $ 198,872 $ 79,000
Knox, Illinois 109 $ 7,021,000 $ 64,412 $ 40,000
Randolph, Illinois 107 $ 6,965,000 $ 65,093 $ 52,000
St. Louis City, Missouri 106 $ 17,293,000 $ 163,141 $ 68,000
Hillsborough, Florida 104 $ 12,040,000 $ 115,769 $ 67,000
Orange, Florida 100 $ 14,938,000 $ 149,380 $ 69,000
Oakland, Michigan 99 $ 15,601,000 $ 157,585 $ 100,000
Gasconade, Missouri 97 $ 7,463,000 $ 76,938 $ 40,000
Madison, Illinois 94 $ 6,598,000 $ 70,191 $ 49,000
Henrico, Virginia 94 $ 9,624,000 $ 102,382 $ 60,000
Mecklenburg, North Carolina 93 $ 10,669,000 $ 114,720 $ 63,000
Santa Barbara, California 89 $ 34,611,000 $ 388,887 $ 107,000
Jersey, Illinois 89 $ 6,173,000 $ 69,359 $ 39,000
Dallas, Texas 84 $ 7,026,000 $ 83,642 $ 68,000
St. Francois, Missouri 78 $ 5,641,000 $ 72,320 $ 42,000
Greene, Illinois 77 $ 3,700,000 $ 48,051 $ 40,000
Pike, Illinois 75 $ 3,328,000 $ 44,373 $ 32,000
Hillsborough, New Hampshire 75 $ 11,592,000 $ 154,560 $ 66,000
Franklin, Illinois 73 $ 2,187,000 $ 29,958 $ 43,000
Jefferson, Missouri 71 $ 7,550,000 $ 106,338 $ 60,000
Pinellas, Florida 66 $ 10,718,000 $ 162,393 $ 92,000
Merced, California 65 $ 15,719,000 $ 241,830 $ 97,000
Wake, North Carolina 64 $ 8,521,000 $ 133,140 $ 54,000
Prince George's, Maryland 63 $ 11,251,000 $ 178,587 $ 82,000
Jackson, Missouri 63 $ 6,255,000 $ 99,285 $ 55,000
Monroe, Illinois 62 $ 7,052,000 $ 113,741 $ 56,000
Prince William, Virginia 60 $ 14,737,000 $ 245,616 $ 96,000
Bond, Illinois 58 $ 3,660,000 $ 63,103 $ 43,000
Cuyahoga, Ohio 58 $ 6,073,000 $ 104,706 $ 59,000
Will, Illinois 57 $ 7,194,000 $ 126,210 $ 47,000
Macomb, Michigan 57 $ 6,151,000 $ 107,912 $ 74,000
Hennepin, Minnesota 57 $ 8,047,000 $ 141,175 $ 89,000
Duval, Florida 56 $ 5,480,000 $ 97,857 $ 51,000
Lake, Indiana 56 $ 4,699,000 $ 83,910 $ 48,000
Warren, Missouri 55 $ 5,235,000 $ 95,181 $ 63,000
Lee, Florida 53 $ 9,881,000 $ 186,433 $ 69,000
Collier, Florida 52 $ 12,713,000 $ 244,480 $ 81,000
Salt Lake, Utah 52 $ 8,189,000 $ 157,480 $ 84,000
Pierce, Washington 50 $ 8,380,000 $ 167,600 $ 59,000
Pinal, Arizona 49 $ 6,464,000 $ 131,918 $ 81,000
St. Lucie, Florida 49 $ 6,369,000 $ 129,979 $ 77,000
Lawrence, Illinois 49 $ 3,176,000 $ 64,816 $ 44,000
Peoria, Illinois 49 $ 2,866,000 $ 58,489 $ 54,000
Placer, California 47 $ 14,355,000 $ 305,425 $ 124,000
Tulare, California 47 $ 7,991,000 $ 170,021 $ 68,000
Seminole, Florida 47 $ 9,718,000 $ 206,765 $ 83,000
Chesterfield, Virginia 47 $ 5,857,000 $ 124,617 $ 67,000
Pasco, Florida 45 $ 4,307,000 $ 95,711 $ 60,000
Middlesex, Massachusetts 44 $ 8,530,000 $ 193,863 $ 95,000
Polk, Florida 43 $ 5,316,000 $ 123,627 $ 70,000
San Mateo, California 42 $ 19,641,000 $ 467,642 $ 141,000
Fairfax, Virginia 42 $ 12,767,000 $ 303,976 $ 70,000
Volusia, Florida 41 $ 5,896,000 $ 143,804 $ 74,000
Guilford, North Carolina 41 $ 4,079,000 $ 99,487 $ 51,000
Hartford, Connecticut 40 $ 5,401,000 $ 135,025 $ 66,000
New Haven, Connecticut 40 $ 6,072,000 $ 151,800 $ 75,000
Ste. Genevieve, Missouri 40 $ 2,758,000 $ 68,950 $ 43,000
Cochise, Arizona 39 $ 3,347,000 $ 85,820 $ 62,000
Macoupin, Illinois 39 $ 2,313,000 $ 59,307 $ 38,000
Marion, Indiana 38 $ 3,508,000 $ 92,315 $ 68,000
Shelby, Tennessee 38 $ 3,042,000 $ 80,052 $ 51,000
Fort Bend, Texas 38 $ 5,040,000 $ 132,631 $ 106,000
Marion, Florida 37 $ 4,186,000 $ 113,135 $ 72,000
Washoe, Nevada 37 $ 8,402,000 $ 227,081 $ 93,000
Monterey, California 36 $ 13,683,000 $ 380,083 $ 116,000
El Paso, Colorado 36 $ 6,166,000 $ 171,277 $ 108,000
Tarrant, Texas 36 $ 3,156,000 $ 87,666 $ 61,000
Chesapeake, Virginia 36 $ 5,570,000 $ 154,722 $ 73,000
Flagler, Florida 35 $ 7,193,000 $ 205,514 $ 64,000
Fulton, Georgia 35 $ 4,656,000 $ 133,028 $ 61,000
Morgan, Illinois 35 $ 2,070,000 $ 59,142 $ 46,000
Norfolk, Virginia 35 $ 3,511,000 $ 100,314 $ 62,000
Madera, California 34 $ 6,877,000 $ 202,264 $ 99,000
Forsyth, North Carolina 34 $ 3,384,000 $ 99,529 $ 66,000
Franklin, Ohio 34 $ 4,170,000 $ 122,647 $ 87,000
Arapahoe, Colorado 33 $ 5,548,000 $ 168,121 $ 87,000
Hampden, Massachusetts 33 $ 3,114,000 $ 94,363 $ 63,000
Denver, Colorado 32 $ 4,641,000 $ 145,031 $ 81,000
Sarasota, Florida 32 $ 5,741,000 $ 179,406 $ 142,000
Kent, Michigan 32 $ 3,431,000 $ 107,218 $ 54,000
Genesee, Michigan 31 $ 3,808,000 $ 122,838 $ 75,000
DeKalb, Georgia 30 $ 4,203,000 $ 140,100 $ 49,000
Sedgwick, Kansas 30 $ 2,936,000 $ 97,866 $ 65,000
Richmond City, Virginia 30 $ 2,794,000 $ 93,133 $ 78,000
Brevard, Florida 29 $ 4,343,000 $ 149,758 $ 63,000
Osceola, Florida 29 $ 5,304,000 $ 182,896 $ 88,000
Scott, Illinois 29 $ 1,188,000 $ 40,965 $ 43,000
Johnson, Kansas 29 $ 4,188,000 $ 144,413 $ 61,000
Jefferson, Kentucky 29 $ 3,023,000 $ 104,241 $ 69,000
Pima, Arizona 28 $ 3,719,000 $ 132,821 $ 59,000
Stark, Ohio 28 $ 2,064,000 $ 73,714 $ 65,000
Hanover, Virginia 28 $ 2,839,000 $ 101,392 $ 66,000
Hamilton, Ohio 27 $ 3,165,000 $ 117,222 $ 63,000
Summit, Ohio 27 $ 3,404,000 $ 126,074 $ 63,000
Montgomery, Texas 27 $ 3,294,000 $ 122,000 $ 106,000
Virginia Beach, Virginia 27 $ 3,661,000 $ 135,592 $ 71,000
El Dorado, California 26 $ 7,721,000 $ 296,961 $ 143,000
Napa, California 26 $ 9,806,000 $ 377,153 $ 129,000
San Francisco, California 26 $ 10,821,000 $ 416,192 $ 121,000
Fairfield, Connecticut 26 $ 5,920,000 $ 227,692 $ 69,000
Alachua, Florida 26 $ 3,125,000 $ 120,192 $ 83,000
Montgomery, Maryland 26 $ 5,736,000 $ 220,615 $ 94,000
Norfolk, Massachusetts 26 $ 6,256,000 $ 240,615 $ 155,000
Butte, California 25 $ 4,485,000 $ 179,400 $ 67,000
Santa Cruz, California 25 $ 12,685,000 $ 507,400 $ 158,000
Marion, Illinois 25 $ 1,229,000 $ 49,160 $ 62,000
Durham, North Carolina 25 $ 2,835,000 $ 113,400 $ 53,000
Butler, Ohio 25 $ 3,586,000 $ 143,440 $ 90,000
Multnomah, Oregon 25 $ 4,357,000 $ 174,280 $ 74,000
Richland, South Carolina 25 $ 12,545,000 $ 501,800 $ 51,000
Navajo, Arizona 24 $ 2,636,000 $ 109,833 $ 104,000
Fayette, Illinois 24 $ 1,267,000 $ 52,791 $ 47,000
Cumberland, North Carolina 24 $ 2,627,000 $ 109,458 $ 48,000
Suffolk, Virginia 24 $ 2,880,000 $ 120,000 $ 69,000
Adams, Colorado 23 $ 3,847,000 $ 167,260 $ 76,000
Weld, Colorado 23 $ 3,372,000 $ 146,608 $ 64,000
Lake, Illinois 23 $ 3,440,000 $ 149,565 $ 48,000
Polk, Iowa 23 $ 1,615,000 $ 70,217 $ 55,000
Rockingham, New Hampshire 23 $ 3,860,000 $ 167,826 $ 73,000
Snohomish, Washington 23 $ 3,601,000 $ 156,565 $ 61,000
Manatee, Florida 22 $ 2,525,000 $ 114,772 $ 51,000
Washington, Utah 22 $ 4,036,000 $ 183,454 $ 254,000
Imperial, California 21 $ 3,648,000 $ 173,714 $ 69,000
San Luis Obispo, California 21 $ 8,175,000 $ 389,285 $ 148,000
Sutter, California 21 $ 3,968,000 $ 188,952 $ 116,000
Jefferson, Colorado 21 $ 4,189,000 $ 199,476 $ 97,000
Clay, Florida 21 $ 2,173,000 $ 103,476 $ 49,000
Escambia, Florida 21 $ 2,592,000 $ 123,428 $ 63,000
DuPage, Illinois 21 $ 3,580,000 $ 170,476 $ 67,000
Essex, Massachusetts 21 $ 3,811,000 $ 181,476 $ 78,000
Worcester, Massachusetts 21 $ 3,147,000 $ 149,857 $ 59,000
Montgomery, Missouri 21 $ 2,016,000 $ 96,000 $ 74,000
New Hanover, North Carolina 21 $ 3,810,000 $ 181,428 $ 64,000
Union, North Carolina 21 $ 2,957,000 $ 140,809 $ 91,000
Spokane, Washington 21 $ 2,450,000 $ 116,666 $ 49,000
Lake, Florida 20 $ 2,825,000 $ 141,250 $ 127,000
Ada, Idaho 20 $ 2,962,000 $ 148,100 $ 66,000
Plymouth, Massachusetts 20 $ 5,417,000 $ 270,850 $ 107,000
Suffolk, Massachusetts 20 $ 4,691,000 $ 234,550 $ 152,000
DeSoto, Mississippi 20 $ 2,138,000 $ 106,900 $ 71,000
Hinds, Mississippi 20 $ 1,877,000 $ 93,850 $ 61,000
Belknap, New Hampshire 20 $ 2,805,000 $ 140,250 $ 68,000
Loudoun, Virginia 20 $ 5,286,000 $ 264,300 $ 65,000
Williamson, Illinois 19 $ 1,532,000 $ 80,631 $ 87,000
Ingham, Michigan 19 $ 1,636,000 $ 86,105 $ 53,000
Utah, Utah 19 $ 2,767,000 $ 145,631 $ 58,000
Yakima, Washington 19 $ 1,717,000 $ 90,368 $ 48,000
Calaveras, California 18 $ 4,623,000 $ 256,833 $ 76,000
Calhoun, Michigan 18 $ 1,320,000 $ 73,333 $ 117,000
Livingston, Michigan 18 $ 3,115,000 $ 173,055 $ 100,000
Lake, Ohio 18 $ 1,576,000 $ 87,555 $ 57,000
Collin, Texas 18 $ 1,583,000 $ 87,944 $ 56,000
Hampton, Virginia 18 $ 1,348,000 $ 74,888 $ 55,000
Yolo, California 17 $ 4,235,000 $ 249,117 $ 113,000
Jackson, Illinois 17 $ 1,692,000 $ 99,529 $ 57,000
Merrimack, New Hampshire 17 $ 1,978,000 $ 116,352 $ 92,000
Davidson, North Carolina 17 $ 1,918,000 $ 112,823 $ 49,000
Gaston, North Carolina 17 $ 2,254,000 $ 132,588 $ 67,000
Warren, Ohio 17 $ 2,660,000 $ 156,470 $ 82,000
Denton, Texas 17 $ 1,539,000 $ 90,529 $ 77,000
Leon, Florida 16 $ 2,022,000 $ 126,375 $ 102,000
Kane, Illinois 16 $ 2,187,000 $ 136,687 $ 63,000
Wyandotte, Kansas 16 $ 1,237,000 $ 77,312 $ 51,000
Buncombe, North Carolina 16 $ 2,505,000 $ 156,562 $ 96,000
Lucas, Ohio 16 $ 1,176,000 $ 73,500 $ 43,000
Yavapai, Arizona 15 $ 2,140,000 $ 142,666 $ 99,000
Shasta, California 15 $ 2,973,000 $ 198,200 $ 77,000
Litchfield, Connecticut 15 $ 3,529,000 $ 235,266 $ 158,000
Charlotte, Florida 15 $ 2,945,000 $ 196,333 $ 93,000
Martin, Florida 15 $ 2,649,000 $ 176,600 $ 92,000
Sangamon, Illinois 15 $ 1,072,000 $ 71,466 $ 49,000
Crawford, Missouri 15 $ 1,583,000 $ 105,533 $ 61,000
Strafford, New Hampshire 15 $ 2,056,000 $ 137,066 $ 83,000
Cabarrus, North Carolina 15 $ 1,897,000 $ 126,466 $ 61,000
Henderson, North Carolina 15 $ 1,943,000 $ 129,533 $ 54,000
Randolph, North Carolina 15 $ 1,752,000 $ 116,800 $ 54,000
Rockingham, North Carolina 15 $ 1,425,000 $ 95,000 $ 42,000
Montgomery, Ohio 15 $ 1,214,000 $ 80,933 $ 54,000
Davis, Utah 15 $ 2,150,000 $ 143,333 $ 70,000
Newport News, Virginia 15 $ 1,013,000 $ 67,533 $ 47,000
Clark, Washington 15 $ 2,403,000 $ 160,200 $ 63,000
Kings, California 14 $ 2,237,000 $ 159,785 $ 120,000
Yuba, California 14 $ 3,426,000 $ 244,714 $ 83,000
New London, Connecticut 14 $ 2,346,000 $ 167,571 $ 44,000
Hernando, Florida 14 $ 1,451,000 $ 103,642 $ 41,000
Bibb, Georgia 14 $ 1,242,000 $ 88,714 $ 67,000
Marion, Oregon 14 $ 1,650,000 $ 117,857 $ 52,000
Hidalgo, Texas 14 $ 1,555,000 $ 111,071 $ 77,000
Spotsylvania, Virginia 14 $ 2,526,000 $ 180,428 $ 131,000
Sonoma, California 13 $ 4,846,000 $ 372,769 $ 100,000
Baltimore, Maryland 13 $ 2,572,000 $ 197,846 $ 95,000
Bristol, Massachusetts 13 $ 2,290,000 $ 176,153 $ 68,000
Lapeer, Michigan 13 $ 1,514,000 $ 116,461 $ 39,000
Washtenaw, Michigan 13 $ 1,923,000 $ 147,923 $ 69,000
Camden, Missouri 13 $ 3,274,000 $ 251,846 $ 405,000
Greene, Missouri 13 $ 1,507,000 $ 115,923 $ 48,000
Alamance, North Carolina 13 $ 1,736,000 $ 133,538 $ 69,000
Jackson, Oregon 13 $ 2,348,000 $ 180,615 $ 76,000
Philadelphia, Pennsylvania 13 $ 1,465,000 $ 112,692 $ 153,000
Thurston, Washington 13 $ 1,858,000 $ 142,923 $ 54,000
Tehama, California 12 $ 2,356,000 $ 196,333 $ 75,000
Gwinnett, Georgia 12 $ 1,039,000 $ 86,583 $ 43,000
Kalamazoo, Michigan 12 $ 1,292,000 $ 107,666 $ 37,000
Ottawa, Michigan 12 $ 1,322,000 $ 110,166 $ 50,000
Boone, Missouri 12 $ 1,168,000 $ 97,333 $ 63,000
Cape Girardeau, Missouri 12 $ 939,000 $ 78,250 $ 47,000
Yellowstone, Montana 12 $ 1,134,000 $ 94,500 $ 66,000
Rowan, North Carolina 12 $ 1,191,000 $ 99,250 $ 43,000
Clermont, Ohio 12 $ 1,719,000 $ 143,250 $ 78,000
Galveston, Texas 12 $ 1,636,000 $ 136,333 $ 91,000
Weber, Utah 12 $ 2,233,000 $ 186,083 $ 71,000
Pulaski, Arkansas 11 $ 1,920,000 $ 174,545 $ 97,000
Santa Rosa, Florida 11 $ 1,383,000 $ 125,727 $ 86,000
Canyon, Idaho 11 $ 939,000 $ 85,363 $ 48,000
Fulton, Illinois 11 $ 645,000 $ 58,636 $ 51,000
Porter, Indiana 11 $ 1,073,000 $ 97,545 $ 62,000
St. Clair, Michigan 11 $ 1,559,000 $ 141,727 $ 71,000
Dakota, Minnesota 11 $ 1,947,000 $ 177,000 $ 79,000
Ramsey, Minnesota 11 $ 1,472,000 $ 133,818 $ 72,000
Sullivan, New Hampshire 11 $ 949,000 $ 86,272 $ 53,000
Catawba, North Carolina 11 $ 1,374,000 $ 124,909 $ 63,000
Craven, North Carolina 11 $ 1,238,000 $ 112,545 $ 53,000
Johnston, North Carolina 11 $ 1,784,000 $ 162,181 $ 48,000
Lee, North Carolina 11 $ 1,276,000 $ 116,000 $ 48,000
York, Pennsylvania 11 $ 1,199,000 $ 109,000 $ 68,000
Providence, Rhode Island 11 $ 1,795,000 $ 163,181 $ 91,000
Craighead, Arkansas 10 $ 950,000 $ 95,000 $ 54,000
Marin, California 10 $ 4,754,000 $ 475,400 $ 181,000
Pueblo, Colorado 10 $ 1,031,000 $ 103,100 $ 113,000
Shawnee, Kansas 10 $ 925,000 $ 92,500 $ 53,000
Livingston, Louisiana 10 $ 734,000 $ 73,400 $ 56,000
Anne Arundel, Maryland 10 $ 2,414,000 $ 241,400 $ 92,000
Harford, Maryland 10 $ 1,644,000 $ 164,400 $ 114,000
Clay, Missouri 10 $ 1,001,000 $ 100,100 $ 93,000
Cheshire, New Hampshire 10 $ 1,010,000 $ 101,000 $ 47,000
Brunswick, North Carolina 10 $ 1,581,000 $ 158,100 $ 92,000
Lorain, Ohio 10 $ 1,069,000 $ 106,900 $ 64,000
Douglas, Oregon 10 $ 1,880,000 $ 188,000 $ 80,000
Montgomery, Pennsylvania 10 $ 1,981,000 $ 198,100 $ 71,000
Brazoria, Texas 10 $ 1,369,000 $ 136,900 $ 77,000
Tooele, Utah 10 $ 793,000 $ 79,300 $ 43,000
King William, Virginia 10 $ 890,000 $ 89,000 $ 54,000
Stafford, Virginia 10 $ 1,683,000 $ 168,300 $ 99,000
Milwaukee, Wisconsin 10 $ 724,000 $ 72,400 $ 53,000
Yuma, Arizona 9 $ 1,109,000 $ 123,222 $ 65,000
Bay, Florida 9 $ 890,000 $ 98,888 $ 37,000
Indian River, Florida 9 $ 1,030,000 $ 114,444 $ 63,000
Cobb, Georgia 9 $ 1,078,000 $ 119,777 $ 66,000
Houston, Georgia 9 $ 866,000 $ 96,222 $ 63,000
Berrien, Michigan 9 $ 1,281,000 $ 142,333 $ 54,000
Eaton, Michigan 9 $ 1,638,000 $ 182,000 $ 112,000
Muskegon, Michigan 9 $ 650,000 $ 72,222 $ 47,000
Anoka, Minnesota 9 $ 1,442,000 $ 160,222 $ 74,000
Nicollet, Minnesota 9 $ 802,000 $ 89,111 $ 59,000
Lincoln, Missouri 9 $ 1,029,000 $ 114,333 $ 26,000
Grafton, New Hampshire 9 $ 1,254,000 $ 139,333 $ 65,000
Iredell, North Carolina 9 $ 945,000 $ 105,000 $ 58,000
Onslow, North Carolina 9 $ 892,000 $ 99,111 $ 66,000
Deschutes, Oregon 9 $ 1,350,000 $ 150,000 $ 59,000
Klamath, Oregon 9 $ 996,000 $ 110,666 $ 57,000
Chester, Pennsylvania 9 $ 1,239,000 $ 137,666 $ 98,000
Horry, South Carolina 9 $ 1,728,000 $ 192,000 $ 123,000
Lexington, South Carolina 9 $ 569,000 $ 63,222 $ 67,000
DeSoto, Florida 8 $ 963,000 $ 120,375 $ 90,000
Walton, Florida 8 $ 1,814,000 $ 226,750 $ 135,000
Clayton, Georgia 8 $ 486,000 $ 60,750 $ 40,000
Kootenai, Idaho 8 $ 1,091,000 $ 136,375 $ 76,000
Warren, Illinois 8 $ 743,000 $ 92,875 $ 34,000
Saline, Kansas 8 $ 864,000 $ 108,000 $ 54,000
Orleans, Louisiana 8 $ 924,000 $ 115,500 $ 57,000
Jackson, Michigan 8 $ 872,000 $ 109,000 $ 83,000
Franklin, North Carolina 8 $ 1,032,000 $ 129,000 $ 56,000
Moore, North Carolina 8 $ 1,268,000 $ 158,500 $ 66,000
Robeson, North Carolina 8 $ 687,000 $ 85,875 $ 53,000
Sampson, North Carolina 8 $ 574,000 $ 71,750 $ 26,000
Wilson, North Carolina 8 $ 787,000 $ 98,375 $ 34,000
Delaware, Ohio 8 $ 1,784,000 $ 223,000 $ 178,000
Washington, Oregon 8 $ 1,094,000 $ 136,750 $ 52,000
Anderson, South Carolina 8 $ 809,000 $ 101,125 $ 52,000
Charleston, South Carolina 8 $ 1,476,000 $ 184,500 $ 101,000
Portsmouth, Virginia 8 $ 760,000 $ 95,000 $ 60,000
Kitsap, Washington 8 $ 1,687,000 $ 210,875 $ 110,000
Amador, California 7 $ 858,000 $ 122,571 $ 73,000
Humboldt, California 7 $ 1,200,000 $ 171,428 $ 74,000
Lake, California 7 $ 1,576,000 $ 225,142 $ 60,000
Boulder, Colorado 7 $ 1,109,000 $ 158,428 $ 64,000
Douglas, Colorado 7 $ 1,268,000 $ 181,142 $ 69,000
Hall, Georgia 7 $ 562,000 $ 80,285 $ 46,000
Twin Falls, Idaho 7 $ 676,000 $ 96,571 $ 54,000
Richland, Illinois 7 $ 463,000 $ 66,142 $ 44,000
Washington, Illinois 7 $ 428,000 $ 61,142 $ 46,000
Hamilton, Indiana 7 $ 598,000 $ 85,428 $ 108,000
Hendricks, Indiana 7 $ 1,293,000 $ 184,714 $ 38,000
Leavenworth, Kansas 7 $ 843,000 $ 120,428 $ 66,000
East Baton Rouge, Louisiana 7 $ 1,019,000 $ 145,571 $ 76,000
Barnstable, Massachusetts 7 $ 1,730,000 $ 247,142 $ 60,000
Hampshire, Massachusetts 7 $ 919,000 $ 131,285 $ 56,000
Iosco, Michigan 7 $ 433,000 $ 61,857 $ 28,000
Blue Earth, Minnesota 7 $ 665,000 $ 95,000 $ 46,000
Cass, Missouri 7 $ 709,000 $ 101,285 $ 91,000
Pulaski, Missouri 7 $ 543,000 $ 77,571 $ 44,000
Elko, Nevada 7 $ 1,027,000 $ 146,714 $ 74,000
Trumbull, Ohio 7 $ 837,000 $ 119,571 $ 58,000
Columbia, Oregon 7 $ 885,000 $ 126,428 $ 43,000
Dauphin, Pennsylvania 7 $ 613,000 $ 87,571 $ 65,000
Lancaster, Pennsylvania 7 $ 1,081,000 $ 154,428 $ 44,000
Bexar, Texas 7 $ 529,000 $ 75,571 $ 54,000
Travis, Texas 7 $ 1,470,000 $ 210,000 $ 112,000
Williamson, Texas 7 $ 399,000 $ 57,000 $ 39,000
Fauquier, Virginia 7 $ 2,374,000 $ 339,142 $ 170,000
York, Virginia 7 $ 962,000 $ 137,428 $ 86,000
Walla Walla, Washington 7 $ 674,000 $ 96,285 $ 43,000
Laramie, Wyoming 7 $ 794,000 $ 113,428 $ 52,000
Washington, Arkansas 6 $ 498,000 $ 83,000 $ 58,000
Mariposa, California 6 $ 1,510,000 $ 251,666 $ 96,000
Mendocino, California 6 $ 1,664,000 $ 277,333 $ 78,000
Tuolumne, California 6 $ 1,277,000 $ 212,833 $ 57,000
Larimer, Colorado 6 $ 1,045,000 $ 174,166 $ 80,000
Citrus, Florida 6 $ 613,000 $ 102,166 $ 57,000
Henry, Georgia 6 $ 720,000 $ 120,000 $ 51,000
McHenry, Illinois 6 $ 1,365,000 $ 227,500 $ 69,000
Harvey, Kansas 6 $ 694,000 $ 115,666 $ 55,000
McCracken, Kentucky 6 $ 298,000 $ 49,666 $ 45,000
Ascension, Louisiana 6 $ 385,000 $ 64,166 $ 52,000
York, Maine 6 $ 620,000 $ 103,333 $ 18,000
Charles, Maryland 6 $ 878,000 $ 146,333 $ 85,000
Iron, Michigan 6 $ 718,000 $ 119,666 $ 94,000
Sanilac, Michigan 6 $ 615,000 $ 102,500 $ 40,000
Shiawassee, Michigan 6 $ 425,000 $ 70,833 $ 30,000
Brown, Minnesota 6 $ 410,000 $ 68,333 $ 46,000
Sherburne, Minnesota 6 $ 1,126,000 $ 187,666 $ 108,000
Callaway, Missouri 6 $ 496,000 $ 82,666 $ 51,000
Christian, Missouri 6 $ 448,000 $ 74,666 $ 56,000
Jasper, Missouri 6 $ 593,000 $ 98,833 $ 35,000
Morgan, Missouri 6 $ 840,000 $ 140,000 $ 51,000
Osage, Missouri 6 $ 945,000 $ 157,500 $ 38,000
Flathead, Montana 6 $ 751,000 $ 125,166 $ 30,000
Lewis and Clark, Montana 6 $ 784,000 $ 130,666 $ 50,000
Queens, New York 6 $ 1,735,000 $ 289,166 $ 111,000
Carteret, North Carolina 6 $ 590,000 $ 98,333 $ 67,000
Columbus, North Carolina 6 $ 618,000 $ 103,000 $ 36,000
Davie, North Carolina 6 $ 758,000 $ 126,333 $ 51,000
Scotland, North Carolina 6 $ 405,000 $ 67,500 $ 44,000
Ottawa, Ohio 6 $ 843,000 $ 140,500 $ 45,000
Portage, Ohio 6 $ 704,000 $ 117,333 $ 40,000
Linn, Oregon 6 $ 575,000 $ 95,833 $ 71,000
Delaware, Pennsylvania 6 $ 738,000 $ 123,000 $ 51,000
Newport, Rhode Island 6 $ 712,000 $ 118,666 $ 56,000
Georgetown, South Carolina 6 $ 365,000 $ 60,833 $ 49,000
York, South Carolina 6 $ 728,000 $ 121,333 $ 50,000
Cameron, Texas 6 $ 627,000 $ 104,500 $ 59,000
Parker, Texas 6 $ 521,000 $ 86,833 $ 52,000
Cache, Utah 6 $ 397,000 $ 66,166 $ 30,000
Kane, Utah 6 $ 741,000 $ 123,500 $ 94,000
New Kent, Virginia 6 $ 493,000 $ 82,166 $ 52,000
Gila, Arizona 5 $ 603,000 $ 120,600 $ 88,000
Garland, Arkansas 5 $ 361,000 $ 72,200 $ 71,000
Plumas, California 5 $ 1,474,000 $ 294,800 $ 102,000
Siskiyou, California 5 $ 565,000 $ 113,000 $ 30,000
Fremont, Colorado 5 $ 785,000 $ 157,000 $ 49,000
Otero, Colorado 5 $ 314,000 $ 62,800 $ 31,000
Middlesex, Connecticut 5 $ 895,000 $ 179,000 $ 57,000
Gadsden, Florida 5 $ 425,000 $ 85,000 $ 59,000
Okaloosa, Florida 5 $ 720,000 $ 144,000 $ 173,000
St. Johns, Florida 5 $ 880,000 $ 176,000 $ 57,000
Cherokee, Georgia 5 $ 1,079,000 $ 215,800 $ 51,000
Bingham, Idaho 5 $ 681,000 $ 136,200 $ 45,000
Montgomery, Illinois 5 $ 153,000 $ 30,600 $ 50,000
Tazewell, Illinois 5 $ 438,000 $ 87,600 $ 51,000
Warren, Iowa 5 $ 363,000 $ 72,600 $ 49,000
Reno, Kansas 5 $ 332,000 $ 66,400 $ 32,000
Bullitt, Kentucky 5 $ 516,000 $ 103,200 $ 49,000
Fayette, Kentucky 5 $ 506,000 $ 101,200 $ 31,000
Woodford, Kentucky 5 $ 435,000 $ 87,000 $ 50,000
Berkshire, Massachusetts 5 $ 344,000 $ 68,800 $ 47,000
Franklin, Massachusetts 5 $ 528,000 $ 105,600 $ 112,000
Cass, Michigan 5 $ 608,000 $ 121,600 $ 114,000
Emmet, Michigan 5 $ 624,000 $ 124,800 $ 57,000
Grand Traverse, Michigan 5 $ 750,000 $ 150,000 $ 45,000
Menominee, Michigan 5 $ 461,000 $ 92,200 $ 60,000
Montcalm, Michigan 5 $ 542,000 $ 108,400 $ 71,000
Saginaw, Michigan 5 $ 692,000 $ 138,400 $ 62,000
Tuscola, Michigan 5 $ 540,000 $ 108,000 $ 46,000
Buchanan, Missouri 5 $ 338,000 $ 67,600 $ 47,000
Laclede, Missouri 5 $ 532,000 $ 106,400 $ 52,000
Cascade, Montana 5 $ 362,000 $ 72,400 $ 39,000
Missoula, Montana 5 $ 1,095,000 $ 219,000 $ 79,000
Burke, North Carolina 5 $ 724,000 $ 144,800 $ 63,000
Cleveland, North Carolina 5 $ 517,000 $ 103,400 $ 66,000
Surry, North Carolina 5 $ 705,000 $ 141,000 $ 71,000
Transylvania, North Carolina 5 $ 701,000 $ 140,200 $ 37,000
Clinton, Ohio 5 $ 216,000 $ 43,200 $ 51,000
Columbiana, Ohio 5 $ 395,000 $ 79,000 $ 42,000
Mahoning, Ohio 5 $ 344,000 $ 68,800 $ 63,000
Medina, Ohio 5 $ 365,000 $ 73,000 $ 52,000
Sandusky, Ohio 5 $ 453,000 $ 90,600 $ 39,000
Oklahoma, Oklahoma 5 $ 229,000 $ 45,800 $ 38,000
Tulsa, Oklahoma 5 $ 697,000 $ 139,400 $ 61,000
Benton, Oregon 5 $ 595,000 $ 119,000 $ 29,000
Lane, Oregon 5 $ 1,102,000 $ 220,400 $ 55,000
Bell, Texas 5 $ 337,000 $ 67,400 $ 94,000
El Paso, Texas 5 $ 408,000 $ 81,600 $ 46,000
Waller, Texas 5 $ 549,000 $ 109,800 $ 56,000
Iron, Utah 5 $ 450,000 $ 90,000 $ 62,000
Caroline, Virginia 5 $ 550,000 $ 110,000 $ 72,000
Benton, Washington 5 $ 735,000 $ 147,000 $ 80,000
Grays Harbor, Washington 5 $ 600,000 $ 120,000 $ 92,000
Skagit, Washington 5 $ 968,000 $ 193,600 $ 45,000
Natrona, Wyoming 5 $ 661,000 $ 132,200 $ 93,000
Sweetwater, Wyoming 5 $ 634,000 $ 126,800 $ 61,000
Coconino, Arizona 4 $ 806,000 $ 201,500 $ 84,000
Del Norte, California 4 $ 708,000 $ 177,000 $ 80,000
Nevada, California 4 $ 1,115,000 $ 278,750 $ 126,000
San Benito, California 4 $ 1,791,000 $ 447,750 $ 101,000
Grand, Colorado 4 $ 1,061,000 $ 265,250 $ 84,000
Mesa, Colorado 4 $ 467,000 $ 116,750 $ 61,000
Tolland, Connecticut 4 $ 416,000 $ 104,000 $ 45,000
Windham, Connecticut 4 $ 400,000 $ 100,000 $ 29,000
Nassau, Florida 4 $ 715,000 $ 178,750 $ 46,000
Sumter, Florida 4 $ 455,000 $ 113,750 $ 44,000
Douglas, Georgia 4 $ 528,000 $ 132,000 $ 87,000
Muscogee, Georgia 4 $ 517,000 $ 129,250 $ 84,000
Bannock, Idaho 4 $ 253,000 $ 63,250 $ 35,000
Cassia, Idaho 4 $ 333,000 $ 83,250 $ 36,000
Gem, Idaho 4 $ 191,000 $ 47,750 $ 36,000
Champaign, Illinois 4 $ 385,000 $ 96,250 $ 132,000
Perry, Illinois 4 $ 279,000 $ 69,750 $ 23,000
Winnebago, Illinois 4 $ 307,000 $ 76,750 $ 46,000
Johnson, Indiana 4 $ 200,000 $ 50,000 $ 44,000
Boone, Iowa 4 $ 175,000 $ 43,750 $ 45,000
Jasper, Iowa 4 $ 389,000 $ 97,250 $ 119,000
Butler, Kansas 4 $ 563,000 $ 140,750 $ 71,000
Douglas, Kansas 4 $ 346,000 $ 86,500 $ 64,000
Franklin, Kentucky 4 $ 495,000 $ 123,750 $ 80,000
Warren, Kentucky 4 $ 442,000 $ 110,500 $ 37,000
Rapides, Louisiana 4 $ 260,000 $ 65,000 $ 90,000
Caroline, Maryland 4 $ 549,000 $ 137,250 $ 99,000
Washington, Maryland 4 $ 812,000 $ 203,000 $ 82,000
Dickinson, Michigan 4 $ 746,000 $ 186,500 $ 88,000
Isabella, Michigan 4 $ 470,000 $ 117,500 $ 33,000
St. Joseph, Michigan 4 $ 320,000 $ 80,000 $ 32,000
Van Buren, Michigan 4 $ 728,000 $ 182,000 $ 108,000
Olmsted, Minnesota 4 $ 608,000 $ 152,000 $ 50,000
Rice, Minnesota 4 $ 760,000 $ 190,000 $ 0
Rankin, Mississippi 4 $ 508,000 $ 127,000 $ 67,000
Cole, Missouri 4 $ 590,000 $ 147,500 $ 94,000
Ralls, Missouri 4 $ 457,000 $ 114,250 $ 64,000
Ray, Missouri 4 $ 320,000 $ 80,000 $ 43,000
Scott, Missouri 4 $ 310,000 $ 77,500 $ 32,000
Washington, Missouri 4 $ 198,000 $ 49,500 $ 56,000
Nye, Nevada 4 $ 770,000 $ 192,500 $ 86,000
Coos, New Hampshire 4 $ 167,000 $ 41,750 $ 42,000
Albany, New York 4 $ 176,000 $ 44,000 $ 0
Chemung, New York 4 $ 224,000 $ 56,000 $ 64,000
Caswell, North Carolina 4 $ 462,000 $ 115,500 $ 67,000
Nash, North Carolina 4 $ 507,000 $ 126,750 $ 51,000
Pitt, North Carolina 4 $ 409,000 $ 102,250 $ 224,000
Stanly, North Carolina 4 $ 581,000 $ 145,250 $ 58,000
Wayne, North Carolina 4 $ 390,000 $ 97,500 $ 59,000
Greene, Ohio 4 $ 555,000 $ 138,750 $ 121,000
Wood, Ohio 4 $ 394,000 $ 98,500 $ 61,000
Clackamas, Oregon 4 $ 535,000 $ 133,750 $ 56,000
Jefferson, Oregon 4 $ 630,000 $ 157,500 $ 43,000
Yamhill, Oregon 4 $ 593,000 $ 148,250 $ 73,000
Allegheny, Pennsylvania 4 $ 469,000 $ 117,250 $ 63,000
Bucks, Pennsylvania 4 $ 767,000 $ 191,750 $ 22,000
Beaufort, South Carolina 4 $ 556,000 $ 139,000 $ 61,000
Orangeburg, South Carolina 4 $ 240,000 $ 60,000 $ 40,000
Spartanburg, South Carolina 4 $ 689,000 $ 172,250 $ 112,000
Knox, Tennessee 4 $ 250,000 $ 62,500 $ 55,000
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Mortgage Loan Application Detail Totals for First Bank in 2005

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 10,748 $1,944,539,000 $122,372 $9,500,000 $72,511 $9,000,000
Refinancing 9,787 $2,001,707,000 $164,760 $8,000,000 $72,369 $3,020,000
Home Improvement 1,963 $331,708,000 $157,000 $2,925,000 $83,058 $1,800,000

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 9,905 $1,720,562,000 $142,022 $3,000,000 $76,044 $9,000,000
Hispanic 6,139 $1,294,716,000 $133,648 $1,538,000 $63,783 $1,800,000
Not Provided 2,754 $480,072,000 $144,095 $6,165,000 $65,738 $1,941,000
Black or African American 2,323 $389,445,000 $128,162 $1,755,000 $61,972 $510,000
Asian 1,040 $282,208,000 $169,687 $1,007,000 $89,000 $588,000
Native Hawaiian or Other Pacific Islander 170 $44,037,000 $125,642 $2,535,000 $122,071 $1,842,000
Not applicable 86 $49,118,000 $1,574,333 $9,500,000 $0 $0
American Indian or Alaskan Native 81 $17,796,000 $378,916 $2,950,000 $200,916 $1,521,000

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) 22,391 $4,269,069,000 $144,872 $9,500,000 $70,425 $9,000,000
FHA-insured (Federal Housing Administration) 52 $4,423,000 $88,333 $194,000 $32,666 $82,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $2,009,000 $64,000 $141,000 $30,666 $57,000
VA-guaranteed (Veterans Administration) 26 $2,453,000 $91,333 $204,000 $37,000 $86,000

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 9,467 $1,717,885,000 $134,725 $9,500,000 $69,075 $3,020,000
Application Denied By Financial Institution 7,128 $1,439,683,000 $149,680 $2,925,000 $72,446 $9,000,000
Application Approved But Not Accepted 2,997 $596,060,000 $130,525 $2,500,000 $71,675 $1,512,000
Application Withdrawn By Applicant 2,519 $451,937,000 $140,550 $1,680,000 $69,625 $1,842,000
Preapproval Denied by Financial Institution 342 $58,616,000 $171,000 $750,000 $60,000 $286,000
File Closed For Incompleteness 39 $13,416,000 $233,714 $950,000 $294,571 $1,537,000
Loan Purchased By The Institution 6 $357,000 $52,500 $122,000 $56,500 $73,000
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 3,077 $556,877,000 $129,767 $2,000,000 $65,813 $9,000,000
Unverifiable Information 1,430 $334,262,000 $154,947 $1,400,000 $83,394 $754,000
Other 1,063 $241,654,000 $149,975 $1,800,000 $74,350 $1,365,000
Debt-To-Income Ratio 800 $165,621,000 $138,472 $1,330,000 $50,750 $359,000
Collateral 799 $135,632,000 $173,358 $2,802,000 $82,769 $751,000
Employment History 182 $36,085,000 $140,160 $1,755,000 $62,800 $510,000
Insufficient Cash (Downpayment, Closing Cost) 84 $17,663,000 $147,941 $938,000 $57,176 $371,000
Credit Application Incomplete 22 $8,795,000 $558,142 $2,925,000 $311,142 $1,537,000
Mortgage Insurance Denied 5 $586,000 $91,000 $166,000 $30,000 $52,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2005 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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