First Bank Mortgage Lending & HMDA Data, 2006

In 2006, First Bank of Saint Louis, MO reported 23,072 mortgage applications totaling $4.4 billion, up 3% from 2005. The average application was for $191,643, and applicants reported an average income of $94,975. 35% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (2,639), Los Angeles-Long Beach-Glendale, CA (2,091) and St. Louis, MO-IL (1,574) (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 23,072
Total Mortgage Loan Application Amount $4,421,594,000
Average Mortgage Loan Application Amount $191,643
Highest Mortgage Loan Application Amount $4,200,000
Average Applicant Income $94,975
Highest Applicant Income $9,467,000

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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

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 2,091 $ 663,671,000 $ 317,394 $ 124,000
San Bernardino, California 1,386 $ 298,256,000 $ 215,191 $ 100,000
Riverside, California 1,253 $ 309,713,000 $ 247,177 $ 116,000
Maricopa, Arizona 776 $ 132,603,000 $ 170,880 $ 80,000
Orange, California 649 $ 239,198,000 $ 368,563 $ 146,000
Clark, Nevada 602 $ 119,407,000 $ 198,350 $ 101,000
Sacramento, California 462 $ 115,992,000 $ 251,064 $ 108,000
Cook, Illinois 447 $ 71,197,000 $ 159,277 $ 61,000
San Joaquin, California 444 $ 112,428,000 $ 253,216 $ 107,000
St. Louis, Missouri 412 $ 48,659,000 $ 118,104 $ 64,000
Broward, Florida 258 $ 45,084,000 $ 174,744 $ 90,000
Contra Costa, California 254 $ 90,921,000 $ 357,956 $ 136,000
Orange, Florida 238 $ 43,702,000 $ 183,621 $ 88,000
Harris, Texas 226 $ 17,070,000 $ 75,530 $ 84,000
Miami-Dade, Florida 222 $ 44,671,000 $ 201,220 $ 101,000
Wayne, Michigan 216 $ 19,235,000 $ 89,050 $ 55,000
Alameda, California 202 $ 82,837,000 $ 410,084 $ 152,000
St. Clair, Illinois 199 $ 17,420,000 $ 87,537 $ 76,000
Hillsborough, Florida 193 $ 29,738,000 $ 154,082 $ 88,000
Denver, Colorado 183 $ 23,085,000 $ 126,147 $ 79,000
Adams, Colorado 161 $ 18,074,000 $ 112,260 $ 62,000
Stanislaus, California 155 $ 37,405,000 $ 241,322 $ 171,000
Clinton, Illinois 154 $ 13,919,000 $ 90,383 $ 71,000
Franklin, Missouri 149 $ 15,041,000 $ 100,946 $ 89,000
St. Charles, Missouri 149 $ 17,925,000 $ 120,302 $ 62,000
Duval, Florida 146 $ 15,167,000 $ 103,883 $ 55,000
Solano, California 143 $ 47,137,000 $ 329,629 $ 126,000
San Diego, California 139 $ 48,404,000 $ 348,230 $ 131,000
King, Washington 130 $ 29,070,000 $ 223,615 $ 105,000
Palm Beach, Florida 127 $ 26,974,000 $ 212,393 $ 101,000
Kern, California 125 $ 23,082,000 $ 184,656 $ 85,000
Gasconade, Missouri 122 $ 9,025,000 $ 73,975 $ 57,000
St. Louis City, Missouri 122 $ 9,494,000 $ 77,819 $ 66,000
Arapahoe, Colorado 110 $ 12,841,000 $ 116,736 $ 65,000
New Haven, Connecticut 108 $ 14,330,000 $ 132,685 $ 83,000
Randolph, Illinois 105 $ 7,171,000 $ 68,295 $ 86,000
Pierce, Washington 104 $ 16,051,000 $ 154,336 $ 74,000
Pike, Illinois 100 $ 5,894,000 $ 58,940 $ 53,000
Pinellas, Florida 97 $ 17,265,000 $ 177,989 $ 101,000
Fresno, California 96 $ 16,777,000 $ 174,760 $ 85,000
Volusia, Florida 92 $ 11,854,000 $ 128,847 $ 74,000
Adams, Illinois 89 $ 5,968,000 $ 67,056 $ 49,000
Dallas, Texas 89 $ 10,151,000 $ 114,056 $ 273,000
Knox, Illinois 88 $ 5,525,000 $ 62,784 $ 66,000
Santa Clara, California 87 $ 40,638,000 $ 467,103 $ 171,000
Ventura, California 84 $ 29,097,000 $ 346,392 $ 141,000
Lee, Florida 84 $ 14,524,000 $ 172,904 $ 106,000
Jersey, Illinois 84 $ 7,045,000 $ 83,869 $ 51,000
Madison, Illinois 83 $ 9,127,000 $ 109,963 $ 69,000
St. Francois, Missouri 82 $ 6,136,000 $ 74,829 $ 49,000
El Paso, Colorado 80 $ 11,008,000 $ 137,600 $ 65,000
Oakland, Michigan 80 $ 12,676,000 $ 158,450 $ 95,000
Polk, Florida 78 $ 10,859,000 $ 139,217 $ 84,000
Jefferson, Colorado 75 $ 12,407,000 $ 165,426 $ 78,000
Franklin, Illinois 70 $ 2,401,000 $ 34,300 $ 46,000
Salt Lake, Utah 70 $ 10,811,000 $ 154,442 $ 81,000
Pasco, Florida 69 $ 10,009,000 $ 145,057 $ 85,000
Fulton, Georgia 67 $ 9,668,000 $ 144,298 $ 114,000
Jefferson, Kentucky 67 $ 5,962,000 $ 88,985 $ 81,000
Hillsborough, New Hampshire 67 $ 9,887,000 $ 147,567 $ 91,000
Hennepin, Minnesota 66 $ 10,742,000 $ 162,757 $ 85,000
Macomb, Michigan 65 $ 8,197,000 $ 126,107 $ 95,000
Mecklenburg, North Carolina 64 $ 8,188,000 $ 127,937 $ 71,000
Placer, California 63 $ 19,757,000 $ 313,603 $ 143,000
Merced, California 61 $ 16,602,000 $ 272,163 $ 111,000
Hartford, Connecticut 61 $ 10,357,000 $ 169,786 $ 69,000
Jackson, Missouri 60 $ 5,926,000 $ 98,766 $ 50,000
Will, Illinois 59 $ 8,446,000 $ 143,152 $ 64,000
Cuyahoga, Ohio 59 $ 6,104,000 $ 103,457 $ 69,000
Osceola, Florida 57 $ 9,574,000 $ 167,964 $ 82,000
Snohomish, Washington 56 $ 12,344,000 $ 220,428 $ 93,000
Prince George's, Maryland 55 $ 11,466,000 $ 208,472 $ 94,000
Tulare, California 54 $ 9,218,000 $ 170,703 $ 76,000
Greene, Illinois 53 $ 2,126,000 $ 40,113 $ 38,000
Lake, Indiana 53 $ 5,840,000 $ 110,188 $ 84,000
Marion, Oregon 52 $ 6,421,000 $ 123,480 $ 60,000
Monterey, California 51 $ 20,055,000 $ 393,235 $ 134,000
Weld, Colorado 51 $ 6,103,000 $ 119,666 $ 61,000
Jefferson, Missouri 51 $ 4,569,000 $ 89,588 $ 118,000
Monroe, Illinois 50 $ 3,934,000 $ 78,680 $ 72,000
Milwaukee, Wisconsin 50 $ 4,349,000 $ 86,980 $ 54,000
Pima, Arizona 49 $ 6,758,000 $ 137,918 $ 67,000
San Mateo, California 49 $ 22,891,000 $ 467,163 $ 154,000
Lawrence, Illinois 49 $ 2,691,000 $ 54,918 $ 55,000
Tarrant, Texas 49 $ 5,042,000 $ 102,897 $ 84,000
Sonoma, California 48 $ 17,712,000 $ 369,000 $ 150,000
Peoria, Illinois 48 $ 2,822,000 $ 58,791 $ 64,000
Worcester, Massachusetts 48 $ 7,059,000 $ 147,062 $ 74,000
Pinal, Arizona 47 $ 5,809,000 $ 123,595 $ 71,000
Santa Barbara, California 47 $ 16,934,000 $ 360,297 $ 167,000
Middlesex, Massachusetts 47 $ 8,692,000 $ 184,936 $ 110,000
Mohave, Arizona 46 $ 7,760,000 $ 168,695 $ 100,000
Essex, Massachusetts 46 $ 8,777,000 $ 190,804 $ 80,000
Shelby, Tennessee 46 $ 6,189,000 $ 134,543 $ 115,000
DeKalb, Georgia 45 $ 5,623,000 $ 124,955 $ 105,000
Kane, Illinois 43 $ 6,682,000 $ 155,395 $ 49,000
Cobb, Georgia 42 $ 7,287,000 $ 173,500 $ 131,000
Suffolk, Massachusetts 42 $ 10,073,000 $ 239,833 $ 125,000
Bond, Illinois 41 $ 2,984,000 $ 72,780 $ 94,000
Fairfield, Connecticut 40 $ 14,172,000 $ 354,300 $ 101,000
Marion, Indiana 40 $ 3,291,000 $ 82,275 $ 62,000
Warren, Missouri 40 $ 3,990,000 $ 99,750 $ 57,000
St. Lucie, Florida 39 $ 6,171,000 $ 158,230 $ 83,000
Ste. Genevieve, Missouri 39 $ 2,699,000 $ 69,205 $ 47,000
Seminole, Florida 38 $ 6,376,000 $ 167,789 $ 92,000
Chesterfield, Virginia 38 $ 3,733,000 $ 98,236 $ 73,000
Brevard, Florida 37 $ 5,296,000 $ 143,135 $ 62,000
Scott, Illinois 37 $ 1,839,000 $ 49,702 $ 44,000
Lake, Illinois 36 $ 5,516,000 $ 153,222 $ 79,000
Rockingham, New Hampshire 36 $ 5,446,000 $ 151,277 $ 123,000
Wake, North Carolina 36 $ 6,410,000 $ 178,055 $ 110,000
Multnomah, Oregon 36 $ 5,817,000 $ 161,583 $ 69,000
San Francisco, California 35 $ 15,658,000 $ 447,371 $ 180,000
Larimer, Colorado 34 $ 6,337,000 $ 186,382 $ 91,000
Marion, Illinois 34 $ 1,547,000 $ 45,500 $ 47,000
Clark, Washington 34 $ 6,887,000 $ 202,558 $ 109,000
Flagler, Florida 33 $ 5,369,000 $ 162,696 $ 86,000
Marion, Florida 33 $ 4,913,000 $ 148,878 $ 68,000
Sarasota, Florida 33 $ 7,252,000 $ 219,757 $ 133,000
Fort Bend, Texas 33 $ 3,915,000 $ 118,636 $ 75,000
Imperial, California 32 $ 4,571,000 $ 142,843 $ 73,000
Yolo, California 32 $ 8,187,000 $ 255,843 $ 124,000
Plymouth, Massachusetts 32 $ 6,917,000 $ 216,156 $ 97,000
Henrico, Virginia 32 $ 3,638,000 $ 113,687 $ 59,000
Fayette, Illinois 31 $ 2,606,000 $ 84,064 $ 48,000
Lane, Oregon 31 $ 4,131,000 $ 133,258 $ 56,000
Williamson, Illinois 30 $ 1,917,000 $ 63,900 $ 55,000
Bristol, Massachusetts 30 $ 4,427,000 $ 147,566 $ 107,000
Marin, California 28 $ 13,307,000 $ 475,250 $ 188,000
Gwinnett, Georgia 28 $ 5,132,000 $ 183,285 $ 93,000
Washoe, Nevada 28 $ 6,176,000 $ 220,571 $ 78,000
Merrimack, New Hampshire 28 $ 3,917,000 $ 139,892 $ 62,000
Collin, Texas 28 $ 2,567,000 $ 91,678 $ 208,000
Thurston, Washington 28 $ 4,275,000 $ 152,678 $ 88,000
Utah, Utah 27 $ 5,676,000 $ 210,222 $ 96,000
Douglas, Colorado 26 $ 5,032,000 $ 193,538 $ 84,000
Jackson, Mississippi 26 $ 2,008,000 $ 77,230 $ 111,000
Madera, California 25 $ 5,075,000 $ 203,000 $ 89,000
Charlotte, Florida 25 $ 4,123,000 $ 164,920 $ 72,000
Philadelphia, Pennsylvania 25 $ 2,587,000 $ 103,480 $ 73,000
Weber, Utah 25 $ 2,965,000 $ 118,600 $ 63,000
Fairfax, Virginia 25 $ 8,767,000 $ 350,680 $ 153,000
Spokane, Washington 25 $ 3,690,000 $ 147,600 $ 63,000
Richland, South Carolina 24 $ 2,204,000 $ 91,833 $ 58,000
El Dorado, California 23 $ 7,193,000 $ 312,739 $ 120,000
Collier, Florida 23 $ 7,117,000 $ 309,434 $ 114,000
Genesee, Michigan 23 $ 4,464,000 $ 194,086 $ 85,000
Douglas, Nebraska 23 $ 3,338,000 $ 145,130 $ 47,000
Butte, California 22 $ 4,452,000 $ 202,363 $ 105,000
Clay, Florida 22 $ 2,259,000 $ 102,681 $ 52,000
Norfolk, Massachusetts 22 $ 5,129,000 $ 233,136 $ 94,000
Ramsey, Minnesota 22 $ 4,114,000 $ 187,000 $ 99,000
Strafford, New Hampshire 22 $ 2,840,000 $ 129,090 $ 114,000
Guilford, North Carolina 22 $ 2,934,000 $ 133,363 $ 62,000
York, Pennsylvania 22 $ 1,663,000 $ 75,590 $ 56,000
Pulaski, Arkansas 21 $ 2,930,000 $ 139,523 $ 91,000
Napa, California 21 $ 6,816,000 $ 324,571 $ 133,000
San Luis Obispo, California 21 $ 6,487,000 $ 308,904 $ 234,000
Manatee, Florida 21 $ 3,515,000 $ 167,380 $ 76,000
Polk, Iowa 21 $ 2,285,000 $ 108,809 $ 40,000
Ingham, Michigan 21 $ 1,857,000 $ 88,428 $ 54,000
Montgomery, Missouri 21 $ 1,502,000 $ 71,523 $ 41,000
Franklin, Ohio 21 $ 2,214,000 $ 105,428 $ 77,000
Morgan, Illinois 20 $ 1,214,000 $ 60,700 $ 46,000
Sedgwick, Kansas 20 $ 2,044,000 $ 102,200 $ 63,000
Clackamas, Oregon 20 $ 4,501,000 $ 225,050 $ 98,000
Bexar, Texas 20 $ 1,964,000 $ 98,200 $ 78,000
Galveston, Texas 20 $ 2,652,000 $ 132,600 $ 97,000
Lake, California 19 $ 3,866,000 $ 203,473 $ 117,000
Jackson, Illinois 19 $ 1,768,000 $ 93,052 $ 33,000
Linn, Iowa 19 $ 1,885,000 $ 99,210 $ 65,000
York, Maine 19 $ 2,161,000 $ 113,736 $ 98,000
Hinds, Mississippi 19 $ 1,686,000 $ 88,736 $ 59,000
Linn, Oregon 19 $ 3,874,000 $ 203,894 $ 83,000
Travis, Texas 19 $ 1,932,000 $ 101,684 $ 98,000
Hampton, Virginia 19 $ 2,388,000 $ 125,684 $ 61,000
Hanover, Virginia 19 $ 2,975,000 $ 156,578 $ 101,000
Nevada, California 18 $ 5,353,000 $ 297,388 $ 128,000
New London, Connecticut 18 $ 2,703,000 $ 150,166 $ 60,000
Hidalgo, Texas 18 $ 1,539,000 $ 85,500 $ 67,000
Cochise, Arizona 17 $ 1,718,000 $ 101,058 $ 52,000
Yuma, Arizona 17 $ 2,208,000 $ 129,882 $ 68,000
Garland, Arkansas 17 $ 1,548,000 $ 91,058 $ 55,000
Santa Cruz, California 17 $ 6,263,000 $ 368,411 $ 114,000
Yuba, California 17 $ 3,148,000 $ 185,176 $ 115,000
Boulder, Colorado 17 $ 3,602,000 $ 211,882 $ 87,000
DeSoto, Florida 17 $ 1,558,000 $ 91,647 $ 57,000
Escambia, Florida 17 $ 2,853,000 $ 167,823 $ 97,000
Durham, North Carolina 17 $ 1,500,000 $ 88,235 $ 225,000
Butler, Ohio 17 $ 2,138,000 $ 125,764 $ 73,000
Newport News, Virginia 17 $ 1,673,000 $ 98,411 $ 60,000
Yakima, Washington 17 $ 2,676,000 $ 157,411 $ 64,000
Pueblo, Colorado 16 $ 1,406,000 $ 87,875 $ 41,000
Macoupin, Illinois 16 $ 1,289,000 $ 80,562 $ 63,000
East Baton Rouge, Louisiana 16 $ 1,392,000 $ 87,000 $ 47,000
Belknap, New Hampshire 16 $ 1,818,000 $ 113,625 $ 68,000
Cabarrus, North Carolina 16 $ 1,681,000 $ 105,062 $ 84,000
Randolph, North Carolina 16 $ 2,031,000 $ 126,937 $ 61,000
Monroe, Pennsylvania 16 $ 2,981,000 $ 186,312 $ 82,000
El Paso, Texas 16 $ 1,059,000 $ 66,187 $ 113,000
Montgomery, Texas 16 $ 2,041,000 $ 127,562 $ 83,000
Davis, Utah 16 $ 2,612,000 $ 163,250 $ 71,000
Leon, Florida 15 $ 2,301,000 $ 153,400 $ 76,000
DuPage, Illinois 15 $ 2,394,000 $ 159,600 $ 80,000
Hampden, Massachusetts 15 $ 1,522,000 $ 101,466 $ 159,000
Yellowstone, Montana 15 $ 2,338,000 $ 155,866 $ 58,000
Lorain, Ohio 15 $ 1,754,000 $ 116,933 $ 49,000
Tooele, Utah 15 $ 1,421,000 $ 94,733 $ 61,000
Kitsap, Washington 15 $ 2,769,000 $ 184,600 $ 85,000
Alachua, Florida 14 $ 1,266,000 $ 90,428 $ 74,000
Howard, Maryland 14 $ 2,602,000 $ 185,857 $ 84,000
Lincoln, Missouri 14 $ 1,765,000 $ 126,071 $ 61,000
Forsyth, North Carolina 14 $ 1,628,000 $ 116,285 $ 49,000
Horry, South Carolina 14 $ 2,002,000 $ 143,000 $ 104,000
Loudoun, Virginia 14 $ 2,799,000 $ 199,928 $ 87,000
Spotsylvania, Virginia 14 $ 3,204,000 $ 228,857 $ 120,000
Windham, Connecticut 13 $ 2,186,000 $ 168,153 $ 65,000
Hernando, Florida 13 $ 2,153,000 $ 165,615 $ 90,000
Lake, Florida 13 $ 2,234,000 $ 171,846 $ 132,000
Kootenai, Idaho 13 $ 1,692,000 $ 130,153 $ 80,000
Johnson, Kansas 13 $ 2,086,000 $ 160,461 $ 90,000
Washtenaw, Michigan 13 $ 1,271,000 $ 97,769 $ 55,000
Anoka, Minnesota 13 $ 2,527,000 $ 194,384 $ 229,000
Sarpy, Nebraska 13 $ 1,527,000 $ 117,461 $ 65,000
Johnston, North Carolina 13 $ 1,268,000 $ 97,538 $ 38,000
Lake, Ohio 13 $ 1,280,000 $ 98,461 $ 59,000
Montgomery, Ohio 13 $ 1,253,000 $ 96,384 $ 88,000
Deschutes, Oregon 13 $ 2,997,000 $ 230,538 $ 135,000
Douglas, Oregon 13 $ 1,905,000 $ 146,538 $ 94,000
Jackson, Oregon 13 $ 2,477,000 $ 190,538 $ 131,000
Providence, Rhode Island 13 $ 1,837,000 $ 141,307 $ 43,000
Brazoria, Texas 13 $ 1,557,000 $ 119,769 $ 84,000
Prince William, Virginia 13 $ 3,365,000 $ 258,846 $ 110,000
Kings, California 12 $ 2,161,000 $ 180,083 $ 74,000
Ada, Idaho 12 $ 1,872,000 $ 156,000 $ 81,000
Charles, Maryland 12 $ 2,238,000 $ 186,500 $ 68,000
Camden, Missouri 12 $ 1,815,000 $ 151,250 $ 67,000
Union, North Carolina 12 $ 1,765,000 $ 147,083 $ 65,000
Warren, Ohio 12 $ 1,789,000 $ 149,083 $ 163,000
Mason, Washington 12 $ 1,512,000 $ 126,000 $ 59,000
Skagit, Washington 12 $ 1,883,000 $ 156,916 $ 66,000
Mesa, Colorado 11 $ 1,117,000 $ 101,545 $ 59,000
Middlesex, Connecticut 11 $ 2,312,000 $ 210,181 $ 104,000
Henry, Georgia 11 $ 2,797,000 $ 254,272 $ 186,000
McHenry, Illinois 11 $ 1,640,000 $ 149,090 $ 53,000
Tazewell, Illinois 11 $ 1,005,000 $ 91,363 $ 49,000
Black Hawk, Iowa 11 $ 795,000 $ 72,272 $ 47,000
Baltimore City, Maryland 11 $ 1,226,000 $ 111,454 $ 111,000
Jackson, Michigan 11 $ 952,000 $ 86,545 $ 57,000
Dakota, Minnesota 11 $ 1,657,000 $ 150,636 $ 72,000
Washington, Minnesota 11 $ 1,965,000 $ 178,636 $ 128,000
Cumberland, North Carolina 11 $ 1,273,000 $ 115,727 $ 73,000
Polk, Oregon 11 $ 1,158,000 $ 105,272 $ 51,000
Washington, Oregon 11 $ 2,191,000 $ 199,181 $ 78,000
Northampton, Pennsylvania 11 $ 1,047,000 $ 95,181 $ 40,000
Whatcom, Washington 11 $ 1,842,000 $ 167,454 $ 64,000
Sutter, California 10 $ 2,297,000 $ 229,700 $ 113,000
Okaloosa, Florida 10 $ 1,127,000 $ 112,700 $ 207,000
Cherokee, Georgia 10 $ 1,946,000 $ 194,600 $ 164,000
Elkhart, Indiana 10 $ 1,036,000 $ 103,600 $ 61,000
Vanderburgh, Indiana 10 $ 962,000 $ 96,200 $ 65,000
Baltimore, Maryland 10 $ 1,779,000 $ 177,900 $ 66,000
Pearl River, Mississippi 10 $ 1,257,000 $ 125,700 $ 85,000
Alamance, North Carolina 10 $ 1,920,000 $ 192,000 $ 58,000
Dorchester, South Carolina 10 $ 1,519,000 $ 151,900 $ 81,000
Grays Harbor, Washington 10 $ 1,000,000 $ 100,000 $ 98,000
Calaveras, California 9 $ 2,744,000 $ 304,888 $ 208,000
Tolland, Connecticut 9 $ 1,553,000 $ 172,555 $ 63,000
Indian River, Florida 9 $ 2,404,000 $ 267,111 $ 127,000
Martin, Florida 9 $ 1,616,000 $ 179,555 $ 95,000
Coweta, Georgia 9 $ 810,000 $ 90,000 $ 82,000
Jackson, Georgia 9 $ 986,000 $ 109,555 $ 90,000
Canyon, Idaho 9 $ 1,081,000 $ 120,111 $ 52,000
Allen, Indiana 9 $ 893,000 $ 99,222 $ 62,000
Porter, Indiana 9 $ 1,745,000 $ 193,888 $ 105,000
Miami, Kansas 9 $ 891,000 $ 99,000 $ 60,000
Wyandotte, Kansas 9 $ 993,000 $ 110,333 $ 57,000
Cumberland, Maine 9 $ 1,277,000 $ 141,888 $ 65,000
Montgomery, Maryland 9 $ 2,350,000 $ 261,111 $ 132,000
Cape Girardeau, Missouri 9 $ 551,000 $ 61,222 $ 47,000
Rensselaer, New York 9 $ 639,000 $ 71,000 $ 84,000
Brunswick, North Carolina 9 $ 898,000 $ 99,777 $ 122,000
Davidson, North Carolina 9 $ 948,000 $ 105,333 $ 67,000
Hamilton, Ohio 9 $ 961,000 $ 106,777 $ 76,000
Portage, Ohio 9 $ 874,000 $ 97,111 $ 63,000
Summit, Ohio 9 $ 906,000 $ 100,666 $ 40,000
Allegheny, Pennsylvania 9 $ 941,000 $ 104,555 $ 43,000
Davidson, Tennessee 9 $ 1,084,000 $ 120,444 $ 64,000
Knox, Tennessee 9 $ 1,472,000 $ 163,555 $ 87,000
Denton, Texas 9 $ 1,340,000 $ 148,888 $ 259,000
Cache, Utah 9 $ 1,175,000 $ 130,555 $ 48,000
Chesapeake, Virginia 9 $ 1,616,000 $ 179,555 $ 58,000
Sweetwater, Wyoming 9 $ 1,063,000 $ 118,111 $ 67,000
Saline, Arkansas 8 $ 1,038,000 $ 129,750 $ 70,000
Humboldt, California 8 $ 1,657,000 $ 207,125 $ 77,000
Mariposa, California 8 $ 1,531,000 $ 191,375 $ 95,000
Shasta, California 8 $ 1,442,000 $ 180,250 $ 69,000
St. Johns, Florida 8 $ 1,279,000 $ 159,875 $ 93,000
Bibb, Georgia 8 $ 2,062,000 $ 257,750 $ 191,000
Clayton, Georgia 8 $ 645,000 $ 80,625 $ 65,000
Rockdale, Georgia 8 $ 1,116,000 $ 139,500 $ 68,000
Fulton, Illinois 8 $ 392,000 $ 49,000 $ 39,000
McLean, Illinois 8 $ 1,020,000 $ 127,500 $ 156,000
Winnebago, Illinois 8 $ 851,000 $ 106,375 $ 47,000
Pottawattamie, Iowa 8 $ 1,002,000 $ 125,250 $ 60,000
Boone, Missouri 8 $ 810,000 $ 101,250 $ 103,000
Crawford, Missouri 8 $ 702,000 $ 87,750 $ 65,000
Marion, Missouri 8 $ 960,000 $ 120,000 $ 76,000
Platte, Missouri 8 $ 1,057,000 $ 132,125 $ 52,000
Washington, Missouri 8 $ 654,000 $ 81,750 $ 38,000
Craven, North Carolina 8 $ 1,021,000 $ 127,625 $ 71,000
New Hanover, North Carolina 8 $ 1,693,000 $ 211,625 $ 64,000
Onslow, North Carolina 8 $ 925,000 $ 115,625 $ 66,000
Clermont, Ohio 8 $ 1,200,000 $ 150,000 $ 71,000
Erie, Ohio 8 $ 1,041,000 $ 130,125 $ 124,000
Stark, Ohio 8 $ 705,000 $ 88,125 $ 205,000
Oklahoma, Oklahoma 8 $ 945,000 $ 118,125 $ 101,000
Berks, Pennsylvania 8 $ 980,000 $ 122,500 $ 62,000
Lancaster, Pennsylvania 8 $ 841,000 $ 105,125 $ 67,000
Island, Washington 8 $ 1,678,000 $ 209,750 $ 110,000
Dane, Wisconsin 8 $ 1,343,000 $ 167,875 $ 70,000
Natrona, Wyoming 8 $ 749,000 $ 93,625 $ 74,000
Gila, Arizona 7 $ 1,192,000 $ 170,285 $ 50,000
Fremont, Colorado 7 $ 621,000 $ 88,714 $ 44,000
Garfield, Colorado 7 $ 1,298,000 $ 185,428 $ 84,000
Moffat, Colorado 7 $ 753,000 $ 107,571 $ 75,000
Forsyth, Georgia 7 $ 1,299,000 $ 185,571 $ 114,000
Sangamon, Illinois 7 $ 642,000 $ 91,714 $ 55,000
Warren, Illinois 7 $ 869,000 $ 124,142 $ 37,000
Johnson, Indiana 7 $ 746,000 $ 106,571 $ 21,000
St. Joseph, Indiana 7 $ 696,000 $ 99,428 $ 53,000
Shawnee, Kansas 7 $ 739,000 $ 105,571 $ 65,000
Calcasieu, Louisiana 7 $ 513,000 $ 73,285 $ 64,000
Anne Arundel, Maryland 7 $ 5,772,000 $ 824,571 $ 246,000
Barnstable, Massachusetts 7 $ 1,455,000 $ 207,857 $ 117,000
Kalamazoo, Michigan 7 $ 704,000 $ 100,571 $ 60,000
Livingston, Michigan 7 $ 986,000 $ 140,857 $ 89,000
Olmsted, Minnesota 7 $ 517,000 $ 73,857 $ 35,000
DeSoto, Mississippi 7 $ 744,000 $ 106,285 $ 126,000
Clay, Missouri 7 $ 578,000 $ 82,571 $ 55,000
Greene, Missouri 7 $ 527,000 $ 75,285 $ 45,000
Douglas, Nevada 7 $ 2,198,000 $ 314,000 $ 181,000
Cheshire, New Hampshire 7 $ 837,000 $ 119,571 $ 59,000
Grafton, New Hampshire 7 $ 672,000 $ 96,000 $ 40,000
Buncombe, North Carolina 7 $ 845,000 $ 120,714 $ 49,000
Pitt, North Carolina 7 $ 697,000 $ 99,571 $ 35,000
Lucas, Ohio 7 $ 946,000 $ 135,142 $ 49,000
Mahoning, Ohio 7 $ 768,000 $ 109,714 $ 93,000
Tulsa, Oklahoma 7 $ 628,000 $ 89,714 $ 178,000
Benton, Oregon 7 $ 668,000 $ 95,428 $ 38,000
Josephine, Oregon 7 $ 1,279,000 $ 182,714 $ 451,000
Bucks, Pennsylvania 7 $ 2,699,000 $ 385,571 $ 137,000
Luzerne, Pennsylvania 7 $ 1,959,000 $ 279,857 $ 110,000
Washington, Rhode Island 7 $ 1,033,000 $ 147,571 $ 57,000
Orangeburg, South Carolina 7 $ 658,000 $ 94,000 $ 68,000
Washington, Utah 7 $ 1,557,000 $ 222,428 $ 54,000
Richmond City, Virginia 7 $ 575,000 $ 82,142 $ 36,000
Virginia Beach, Virginia 7 $ 1,120,000 $ 160,000 $ 63,000
Franklin, Washington 7 $ 613,000 $ 87,571 $ 94,000
Apache, Arizona 6 $ 650,000 $ 108,333 $ 92,000
Yavapai, Arizona 6 $ 1,870,000 $ 311,666 $ 121,000
Benton, Arkansas 6 $ 993,000 $ 165,500 $ 121,000
Jefferson, Arkansas 6 $ 528,000 $ 88,000 $ 75,000
Tehama, California 6 $ 1,350,000 $ 225,000 $ 91,000
Montrose, Colorado 6 $ 1,268,000 $ 211,333 $ 54,000
Bay, Florida 6 $ 1,079,000 $ 179,833 $ 33,000
Paulding, Georgia 6 $ 410,000 $ 68,333 $ 26,000
Kankakee, Illinois 6 $ 4,050,000 $ 675,000 $ 30,000
Hamilton, Indiana 6 $ 657,000 $ 109,500 $ 90,000
Butler, Kansas 6 $ 642,000 $ 107,000 $ 84,000
Ellis, Kansas 6 $ 1,147,000 $ 191,166 $ 316,000
Finney, Kansas 6 $ 673,000 $ 112,166 $ 39,000
Oldham, Kentucky 6 $ 1,036,000 $ 172,666 $ 69,000
Livingston, Louisiana 6 $ 529,000 $ 88,166 $ 81,000
Calhoun, Michigan 6 $ 529,000 $ 88,166 $ 64,000
Mower, Minnesota 6 $ 575,000 $ 95,833 $ 44,000
Marshall, Mississippi 6 $ 536,000 $ 89,333 $ 30,000
Cass, Missouri 6 $ 1,297,000 $ 216,166 $ 95,000
Cole, Missouri 6 $ 765,000 $ 127,500 $ 51,000
Flathead, Montana 6 $ 1,019,000 $ 169,833 $ 54,000
Lyon, Nevada 6 $ 1,137,000 $ 189,500 $ 54,000
Gaston, North Carolina 6 $ 595,000 $ 99,166 $ 49,000
Scotland, North Carolina 6 $ 589,000 $ 98,166 $ 58,000
Allen, Ohio 6 $ 449,000 $ 74,833 $ 59,000
Ashtabula, Ohio 6 $ 618,000 $ 103,000 $ 39,000
Clark, Ohio 6 $ 358,000 $ 59,666 $ 45,000
Sandusky, Ohio 6 $ 602,000 $ 100,333 $ 74,000
Lincoln, Oregon 6 $ 820,000 $ 136,666 $ 75,000
Chester, Pennsylvania 6 $ 1,121,000 $ 186,833 $ 97,000
Dauphin, Pennsylvania 6 $ 761,000 $ 126,833 $ 65,000
Delaware, Pennsylvania 6 $ 944,000 $ 157,333 $ 73,000
Montgomery, Pennsylvania 6 $ 1,352,000 $ 225,333 $ 88,000
Blount, Tennessee 6 $ 536,000 $ 89,333 $ 0
Rutherford, Tennessee 6 $ 422,000 $ 70,333 $ 59,000
Jefferson, Texas 6 $ 534,000 $ 89,000 $ 50,000
Box Elder, Utah 6 $ 483,000 $ 80,500 $ 76,000
King William, Virginia 6 $ 567,000 $ 94,500 $ 66,000
Norfolk, Virginia 6 $ 687,000 $ 114,500 $ 77,000
Suffolk, Virginia 6 $ 700,000 $ 116,666 $ 68,000
Benton, Washington 6 $ 739,000 $ 123,166 $ 41,000
Cowlitz, Washington 6 $ 608,000 $ 101,333 $ 54,000
Lewis, Washington 6 $ 674,000 $ 112,333 $ 47,000
Stevens, Washington 6 $ 793,000 $ 132,166 $ 117,000
Anchorage, Alaska 5 $ 1,013,000 $ 202,600 $ 76,000
Coconino, Arizona 5 $ 1,047,000 $ 209,400 $ 99,000
Santa Cruz, Arizona 5 $ 628,000 $ 125,600 $ 144,000
Mendocino, California 5 $ 1,176,000 $ 235,200 $ 100,000
Delta, Colorado 5 $ 498,000 $ 99,600 $ 53,000
Putnam, Florida 5 $ 563,000 $ 112,600 $ 91,000
Houston, Georgia 5 $ 657,000 $ 131,400 $ 29,000
Jefferson, Idaho 5 $ 489,000 $ 97,800 $ 44,000
Washington, Idaho 5 $ 779,000 $ 155,800 $ 137,000
Boone, Illinois 5 $ 767,000 $ 153,400 $ 51,000
Bartholomew, Indiana 5 $ 271,000 $ 54,200 $ 47,000
Hendricks, Indiana 5 $ 480,000 $ 96,000 $ 68,000
Buchanan, Iowa 5 $ 303,000 $ 60,600 $ 37,000
Crawford, Kansas 5 $ 405,000 $ 81,000 $ 47,000
Douglas, Kansas 5 $ 779,000 $ 155,800 $ 72,000
Clare, Michigan 5 $ 383,000 $ 76,600 $ 47,000
St. Clair, Michigan 5 $ 532,000 $ 106,400 $ 38,000
Osage, Missouri 5 $ 742,000 $ 148,400 $ 35,000
Stone, Missouri 5 $ 480,000 $ 96,000 $ 44,000
Lewis and Clark, Montana 5 $ 802,000 $ 160,400 $ 63,000
Lancaster, Nebraska 5 $ 730,000 $ 146,000 $ 146,000
Carroll, New Hampshire 5 $ 583,000 $ 116,600 $ 76,000
Catawba, North Carolina 5 $ 721,000 $ 144,200 $ 46,000
Franklin, North Carolina 5 $ 489,000 $ 97,800 $ 68,000
Macon, North Carolina 5 $ 543,000 $ 108,600 $ 71,000
Wayne, North Carolina 5 $ 743,000 $ 148,600 $ 56,000
Columbiana, Ohio 5 $ 471,000 $ 94,200 $ 43,000
Greene, Ohio 5 $ 750,000 $ 150,000 $ 117,000
Medina, Ohio 5 $ 816,000 $ 163,200 $ 97,000
Columbia, Oregon 5 $ 646,000 $ 129,200 $ 56,000
Klamath, Oregon 5 $ 851,000 $ 170,200 $ 52,000
Lehigh, Pennsylvania 5 $ 883,000 $ 176,600 $ 57,000
Lexington, South Carolina 5 $ 309,000 $ 61,800 $ 124,000
York, South Carolina 5 $ 631,000 $ 126,200 $ 57,000
Hamilton, Tennessee 5 $ 407,000 $ 81,400 $ 23,000
Carbon, Utah 5 $ 459,000 $ 91,800 $ 87,000
Charlottesville, Virginia 5 $ 378,000 $ 75,600 $ 456,000
Frederick, Virginia 5 $ 1,449,000 $ 289,800 $ 120,000
Petersburg, Virginia 5 $ 292,000 $ 58,400 $ 51,000
Roanoke, Virginia 5 $ 576,000 $ 115,200 $ 61,000
Stafford, Virginia 5 $ 1,229,000 $ 245,800 $ 142,000
Grant, Washington 5 $ 727,000 $ 145,400 $ 88,000
Graham, Arizona 4 $ 493,000 $ 123,250 $ 59,000
Trinity, California 4 $ 652,000 $ 163,000 $ 61,000
Tuolumne, California 4 $ 1,112,000 $ 278,000 $ 53,000
Eagle, Colorado 4 $ 1,217,000 $ 304,250 $ 220,000
Hardee, Florida 4 $ 495,000 $ 123,750 $ 65,000
Hendry, Florida 4 $ 571,000 $ 142,750 $ 68,000
Highlands, Florida 4 $ 586,000 $ 146,500 $ 76,000
Nassau, Florida 4 $ 484,000 $ 121,000 $ 64,000
Bartow, Georgia 4 $ 945,000 $ 236,250 $ 270,000
Bulloch, Georgia 4 $ 296,000 $ 74,000 $ 140,000
Butts, Georgia 4 $ 387,000 $ 96,750 $ 232,000
Catoosa, Georgia 4 $ 245,000 $ 61,250 $ 106,000
Douglas, Georgia 4 $ 444,000 $ 111,000 $ 98,000
Liberty, Georgia 4 $ 216,000 $ 54,000 $ 97,000
Newton, Georgia 4 $ 353,000 $ 88,250 $ 98,000
Gem, Idaho 4 $ 450,000 $ 112,500 $ 25,000
Champaign, Illinois 4 $ 542,000 $ 135,500 $ 117,000
LaSalle, Illinois 4 $ 342,000 $ 85,500 $ 44,000
Montgomery, Illinois 4 $ 312,000 $ 78,000 $ 56,000
Gibson, Indiana 4 $ 426,000 $ 106,500 $ 124,000
Madison, Indiana 4 $ 237,000 $ 59,250 $ 45,000
Barton, Kansas 4 $ 292,000 $ 73,000 $ 42,000
Saline, Kansas 4 $ 306,000 $ 76,500 $ 68,000
Boyle, Kentucky 4 $ 552,000 $ 138,000 $ 73,000
McCracken, Kentucky 4 $ 155,000 $ 38,750 $ 35,000
Scott, Kentucky 4 $ 324,000 $ 81,000 $ 151,000
Warren, Kentucky 4 $ 236,000 $ 59,000 $ 65,000
Ascension, Louisiana 4 $ 281,000 $ 70,250 $ 74,000
Bay, Michigan 4 $ 406,000 $ 101,500 $ 37,000
Ionia, Michigan 4 $ 202,000 $ 50,500 $ 52,000
Mason, Michigan 4 $ 498,000 $ 124,500 $ 36,000
Sanilac, Michigan 4 $ 383,000 $ 95,750 $ 46,000
Benton, Minnesota 4 $ 443,000 $ 110,750 $ 52,000
Scott, Minnesota 4 $ 580,000 $ 145,000 $ 43,000
Harrison, Mississippi 4 $ 588,000 $ 147,000 $ 193,000
Lee, Mississippi 4 $ 245,000 $ 61,250 $ 44,000
Lewis, Missouri 4 $ 126,000 $ 31,500 $ 64,000
Maries, Missouri 4 $ 331,000 $ 82,750 $ 39,000
Scott, Missouri 4 $ 448,000 $ 112,000 $ 52,000
Silver Bow, Montana 4 $ 419,000 $ 104,750 $ 59,000
Carson City, Nevada 4 $ 1,074,000 $ 268,500 $ 59,000
Elko, Nevada 4 $ 577,000 $ 144,250 $ 79,000
Albany, New York 4 $ 281,000 $ 70,250 $ 87,000
Davie, North Carolina 4 $ 506,000 $ 126,500 $ 66,000
Duplin, North Carolina 4 $ 392,000 $ 98,000 $ 63,000
Lenoir, North Carolina 4 $ 451,000 $ 112,750 $ 55,000
Orange, North Carolina 4 $ 402,000 $ 100,500 $ 158,000
Robeson, North Carolina 4 $ 580,000 $ 145,000 $ 47,000
Rowan, North Carolina 4 $ 605,000 $ 151,250 $ 111,000
Transylvania, North Carolina 4 $ 460,000 $ 115,000 $ 37,000
Watauga, North Carolina 4 $ 887,000 $ 221,750 $ 73,000
Lawrence, Ohio 4 $ 309,000 $ 77,250 $ 49,000
Licking, Ohio 4 $ 297,000 $ 74,250 $ 48,000
Shelby, Ohio 4 $ 206,000 $ 51,500 $ 39,000
Trumbull, Ohio 4 $ 278,000 $ 69,500 $ 30,000
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Mortgage Loan Application Detail Totals for First Bank in 2006

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 11,676 $2,043,152,000 $174,000 $3,250,000 $101,000 $9,467,000
Refinancing 8,667 $1,863,588,000 $215,000 $4,200,000 $90,000 $3,000,000
Home Improvement 2,729 $514,854,000 $188,000 $1,560,000 $85,000 $965,000

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 9,094 $1,582,635,000 $174,000 $4,200,000 $95,000 $9,467,000
Hispanic 6,962 $1,476,353,000 $212,000 $1,560,000 $93,000 $1,381,000
Black or African American 3,050 $525,103,000 $172,000 $1,500,000 $90,000 $882,000
Not Provided 2,437 $418,134,000 $171,000 $2,899,000 $88,000 $3,000,000
Asian 1,122 $315,762,000 $281,000 $1,763,000 $133,000 $1,015,000
Native Hawaiian or Other Pacific Islander 181 $48,794,000 $269,000 $1,031,000 $123,000 $435,000
Not applicable 120 $31,932,000 $266,000 $3,500,000 $0 $0
American Indian or Alaskan Native 106 $22,881,000 $215,000 $1,314,000 $117,000 $480,000

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) 22,991 $4,413,736,000 $191,000 $4,200,000 $95,000 $9,467,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 44 $4,016,000 $91,000 $185,000 $38,000 $108,000
FHA-insured (Federal Housing Administration) 21 $2,089,000 $99,000 $221,000 $32,000 $91,000
VA-guaranteed (Veterans Administration) 16 $1,753,000 $109,000 $205,000 $49,000 $105,000

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
Application Denied By Financial Institution 9,423 $1,948,319,000 $206,000 $4,200,000 $101,000 $3,000,000
Loan Originated 8,147 $1,372,831,000 $168,000 $3,500,000 $92,000 $9,467,000
Application Approved But Not Accepted 3,061 $617,190,000 $201,000 $1,863,000 $96,000 $1,015,000
Application Withdrawn By Applicant 2,040 $419,771,000 $205,000 $1,500,000 $79,000 $936,000
Preapproval Denied by Financial Institution 349 $50,966,000 $146,000 $1,330,000 $62,000 $712,000
File Closed For Incompleteness 37 $10,145,000 $274,000 $1,040,000 $123,000 $419,000
Loan Purchased By The Institution 15 $2,372,000 $158,000 $650,000 $97,000 $300,000
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 4,826 $902,140,000 $186,000 $1,869,000 $90,000 $1,381,000
Unverifiable Information 1,504 $358,158,000 $238,000 $1,230,000 $120,000 $882,000
Other 1,257 $303,361,000 $241,000 $1,560,000 $123,000 $3,000,000
Debt-To-Income Ratio 1,041 $202,161,000 $194,000 $2,250,000 $74,000 $379,000
Collateral 851 $168,521,000 $198,000 $4,200,000 $118,000 $3,000,000
Employment History 176 $33,610,000 $190,000 $750,000 $92,000 $420,000
Insufficient Cash (Downpayment, Closing Cost) 101 $27,857,000 $275,000 $1,763,000 $126,000 $535,000
Mortgage Insurance Denied 8 $1,184,000 $148,000 $257,000 $50,000 $106,000
Credit Application Incomplete 8 $2,293,000 $286,000 $825,000 $129,000 $336,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2006 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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