First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
First Bank 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Bank 600 James Mcdonnell Blvd Creve Coeur, MO 63042 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,537 |
| Total Mortgage Loan Application Amount | $800,578,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $9,655,000 |
| Average Applicant Income | $67,666 |
| Highest Applicant Income | $2,541,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with First Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down First Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 804 | $ 134,712,000 | $ 167,000 | $ 82,000 |
| St. Charles County Missouri | 439 | $ 69,318,000 | $ 157,000 | $ 66,000 |
| Clinton County Illinois | 333 | $ 46,759,000 | $ 140,000 | $ 72,000 |
| St. Clair County Illinois | 244 | $ 32,792,000 | $ 134,000 | $ 90,000 |
| Cook County Illinois | 196 | $ 39,366,000 | $ 200,000 | $ 97,000 |
| Peoria County Illinois | 175 | $ 21,189,000 | $ 121,000 | $ 66,000 |
| Madison County Illinois | 170 | $ 20,856,000 | $ 122,000 | $ 65,000 |
| Knox County Illinois | 163 | $ 14,630,000 | $ 89,000 | $ 69,000 |
| Adams County Illinois | 151 | $ 14,137,000 | $ 93,000 | $ 51,000 |
| St. Francois County Missouri | 134 | $ 12,735,000 | $ 95,000 | $ 46,000 |
| Franklin County Missouri | 132 | $ 14,927,000 | $ 113,000 | $ 59,000 |
| Harris County Texas | 129 | $ 15,979,000 | $ 123,000 | $ 73,000 |
| Warren County Missouri | 128 | $ 16,578,000 | $ 129,000 | $ 57,000 |
| Randolph County Illinois | 113 | $ 11,673,000 | $ 103,000 | $ 62,000 |
| Jefferson County Missouri | 110 | $ 14,880,000 | $ 135,000 | $ 61,000 |
| Pike County Illinois | 98 | $ 9,455,000 | $ 96,000 | $ 66,000 |
| St. Louis City County Missouri | 93 | $ 22,090,000 | $ 237,000 | $ 72,000 |
| Lincoln County Missouri | 92 | $ 12,601,000 | $ 136,000 | $ 45,000 |
| Monroe County Illinois | 80 | $ 11,773,000 | $ 147,000 | $ 80,000 |
| Gasconade County Missouri | 78 | $ 7,918,000 | $ 101,000 | $ 51,000 |
| Lawrence County Illinois | 70 | $ 6,994,000 | $ 99,000 | $ 65,000 |
| Tazewell County Illinois | 63 | $ 7,898,000 | $ 125,000 | $ 65,000 |
| Franklin County Illinois | 62 | $ 4,456,000 | $ 71,000 | $ 53,000 |
| Bond County Illinois | 60 | $ 6,058,000 | $ 100,000 | $ 60,000 |
| Ste. Genevieve County Missouri | 60 | $ 6,313,000 | $ 105,000 | $ 61,000 |
| Los Angeles County California | 56 | $ 16,213,000 | $ 289,000 | $ 104,000 |
| Jersey County Illinois | 52 | $ 5,464,000 | $ 105,000 | $ 62,000 |
| Santa Barbara County California | 49 | $ 12,056,000 | $ 246,000 | $ 96,000 |
| Fort Bend County Texas | 47 | $ 9,596,000 | $ 204,000 | $ 111,000 |
| Greene County Illinois | 46 | $ 2,227,000 | $ 48,000 | $ 49,000 |
| Fayette County Illinois | 45 | $ 4,158,000 | $ 92,000 | $ 61,000 |
| Marion County Illinois | 45 | $ 3,933,000 | $ 87,000 | $ 54,000 |
| Lake County Illinois | 42 | $ 7,929,000 | $ 188,000 | $ 86,000 |
| Montgomery County Missouri | 41 | $ 4,970,000 | $ 121,000 | $ 52,000 |
| DuPage County Illinois | 40 | $ 8,527,000 | $ 213,000 | $ 96,000 |
| Manatee County Florida | 39 | $ 5,252,000 | $ 134,000 | $ 61,000 |
| Ventura County California | 30 | $ 8,346,000 | $ 278,000 | $ 107,000 |
| Orange County California | 25 | $ 8,698,000 | $ 347,000 | $ 172,000 |
| Macoupin County Illinois | 24 | $ 2,313,000 | $ 96,000 | $ 59,000 |
| Morgan County Illinois | 24 | $ 2,093,000 | $ 87,000 | $ 47,000 |
| Riverside County California | 21 | $ 3,208,000 | $ 152,000 | $ 106,000 |
| Pinellas County Florida | 19 | $ 3,797,000 | $ 199,000 | $ 65,000 |
| Sangamon County Illinois | 19 | $ 1,857,000 | $ 97,000 | $ 58,000 |
| Scott County Illinois | 17 | $ 1,188,000 | $ 69,000 | $ 60,000 |
| Washington County Missouri | 17 | $ 1,654,000 | $ 97,000 | $ 47,000 |
| Williamson County Illinois | 16 | $ 1,496,000 | $ 93,000 | $ 48,000 |
| Camden County Missouri | 16 | $ 3,008,000 | $ 188,000 | $ 123,000 |
| Montgomery County Texas | 15 | $ 2,051,000 | $ 136,000 | $ 83,000 |
| Fulton County Illinois | 14 | $ 1,034,000 | $ 73,000 | $ 39,000 |
| Kane County Illinois | 14 | $ 2,773,000 | $ 198,000 | $ 170,000 |
| Will County Illinois | 14 | $ 2,876,000 | $ 205,000 | $ 103,000 |
| Dallas County Texas | 14 | $ 2,212,000 | $ 158,000 | $ 141,000 |
| Madison County Missouri | 13 | $ 1,386,000 | $ 106,000 | $ 49,000 |
| Jackson County Illinois | 12 | $ 953,000 | $ 79,000 | $ 56,000 |
| McHenry County Illinois | 12 | $ 2,618,000 | $ 218,000 | $ 98,000 |
| McLean County Illinois | 11 | $ 1,655,000 | $ 150,000 | $ 75,000 |
| Woodford County Illinois | 11 | $ 2,340,000 | $ 212,000 | $ 85,000 |
| Brazoria County Texas | 11 | $ 1,819,000 | $ 165,000 | $ 124,000 |
| Collin County Texas | 11 | $ 1,238,000 | $ 112,000 | $ 61,000 |
| Placer County California | 10 | $ 2,291,000 | $ 229,000 | $ 124,000 |
| Contra Costa County California | 9 | $ 1,784,000 | $ 198,000 | $ 153,000 |
| San Diego County California | 9 | $ 1,613,000 | $ 179,000 | $ 89,000 |
| Solano County California | 9 | $ 1,236,000 | $ 137,000 | $ 60,000 |
| Warren County Illinois | 9 | $ 898,000 | $ 99,000 | $ 52,000 |
| Henry County Illinois | 7 | $ 518,000 | $ 74,000 | $ 80,000 |
| Washington County Illinois | 7 | $ 689,000 | $ 98,000 | $ 52,000 |
| El Dorado County California | 6 | $ 1,668,000 | $ 278,000 | $ 99,000 |
| Santa Clara County California | 6 | $ 1,562,000 | $ 260,000 | $ 99,000 |
| Lee County Florida | 6 | $ 965,000 | $ 160,000 | $ 99,000 |
| Jefferson County Illinois | 6 | $ 717,000 | $ 119,000 | $ 53,000 |
| Richland County Illinois | 6 | $ 725,000 | $ 120,000 | $ 49,000 |
| Pike County Missouri | 6 | $ 495,000 | $ 82,000 | $ 40,000 |
| Bexar County Texas | 6 | $ 541,000 | $ 90,000 | $ 104,000 |
| Liberty County Texas | 6 | $ 953,000 | $ 158,000 | $ 98,000 |
| Marin County California | 5 | $ 1,964,000 | $ 392,000 | $ 80,000 |
| San Bernardino County California | 5 | $ 1,025,000 | $ 205,000 | $ 49,000 |
| San Luis Obispo County California | 5 | $ 1,482,000 | $ 296,000 | $ 84,000 |
| Hillsborough County Florida | 5 | $ 723,000 | $ 144,000 | $ 93,000 |
| Sarasota County Florida | 5 | $ 836,000 | $ 167,000 | $ 93,000 |
| Montgomery County Illinois | 5 | $ 308,000 | $ 61,000 | $ 43,000 |
| Whiteside County Illinois | 5 | $ 284,000 | $ 56,000 | $ 47,000 |
| Lewis County Missouri | 5 | $ 437,000 | $ 87,000 | $ 59,000 |
| Marion County Missouri | 5 | $ 518,000 | $ 103,000 | $ 48,000 |
| Denton County Texas | 5 | $ 819,000 | $ 163,000 | $ 50,000 |
| Sacramento County California | 4 | $ 1,210,000 | $ 302,000 | $ 95,000 |
| San Francisco County California | 4 | $ 1,194,000 | $ 298,000 | $ 269,000 |
| Macon County Illinois | 4 | $ 486,000 | $ 121,000 | $ 61,000 |
| Mason County Illinois | 4 | $ 286,000 | $ 71,000 | $ 55,000 |
| Boone County Missouri | 4 | $ 702,000 | $ 175,000 | $ 112,000 |
| Iron County Missouri | 4 | $ 499,000 | $ 124,000 | $ 45,000 |
| Perry County Missouri | 4 | $ 459,000 | $ 114,000 | $ 35,000 |
| Maricopa County Arizona | 3 | $ 700,000 | $ 233,000 | $ 35,000 |
| Pima County Arizona | 3 | $ 576,000 | $ 192,000 | $ 108,000 |
| Napa County California | 3 | $ 859,000 | $ 286,000 | $ 72,000 |
| San Joaquin County California | 3 | $ 656,000 | $ 218,000 | $ 63,000 |
| Santa Cruz County California | 3 | $ 929,000 | $ 309,000 | $ 139,000 |
| Sonoma County California | 3 | $ 847,000 | $ 282,000 | $ 98,000 |
| Crawford County Illinois | 3 | $ 186,000 | $ 62,000 | $ 58,000 |
| Hancock County Illinois | 3 | $ 235,000 | $ 78,000 | $ 44,000 |
| Kendall County Illinois | 3 | $ 650,000 | $ 216,000 | $ 69,000 |
| Logan County Illinois | 3 | $ 165,000 | $ 55,000 | $ 71,000 |
| McDonough County Illinois | 3 | $ 259,000 | $ 86,000 | $ 74,000 |
| Johnson County Kansas | 3 | $ 487,000 | $ 162,000 | $ 62,000 |
| Crawford County Missouri | 3 | $ 609,000 | $ 203,000 | $ 67,000 |
| Phelps County Missouri | 3 | $ 359,000 | $ 119,000 | $ 67,000 |
| Wayne County Missouri | 3 | $ 258,000 | $ 86,000 | $ 42,000 |
| Alameda County California | 2 | $ 807,000 | $ 403,000 | $ 34,000 |
| Lake County California | 2 | $ 699,000 | $ 349,000 | $ 87,000 |
| Charlotte County Florida | 2 | $ 501,000 | $ 250,000 | $ 106,000 |
| Collier County Florida | 2 | $ 511,000 | $ 255,000 | $ 114,000 |
| Orange County Florida | 2 | $ 507,000 | $ 253,000 | $ 57,000 |
| Walton County Florida | 2 | $ 550,000 | $ 275,000 | $ 56,000 |
| Gwinnett County Georgia | 2 | $ 334,000 | $ 167,000 | $ 56,000 |
| Calhoun County Illinois | 2 | $ 231,000 | $ 115,000 | $ 46,000 |
| Carroll County Illinois | 2 | $ 456,000 | $ 228,000 | $ 156,000 |
| Effingham County Illinois | 2 | $ 304,000 | $ 152,000 | $ 47,000 |
| Lee County Illinois | 2 | $ 211,000 | $ 105,000 | $ 56,000 |
| Rock Island County Illinois | 2 | $ 157,000 | $ 78,000 | $ 126,000 |
| Schuyler County Illinois | 2 | $ 228,000 | $ 114,000 | $ 66,000 |
| Wabash County Illinois | 2 | $ 220,000 | $ 110,000 | $ 83,000 |
| Winnebago County Illinois | 2 | $ 98,000 | $ 49,000 | $ 33,000 |
| Clark County Missouri | 2 | $ 407,000 | $ 203,000 | $ 69,000 |
| Clay County Missouri | 2 | $ 183,000 | $ 91,000 | $ 20,000 |
| Greene County Missouri | 2 | $ 234,000 | $ 117,000 | $ 37,000 |
| Jackson County Missouri | 2 | $ 325,000 | $ 162,000 | $ 75,000 |
| Lafayette County Missouri | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Platte County Missouri | 2 | $ 496,000 | $ 248,000 | $ 107,000 |
| Ralls County Missouri | 2 | $ 147,000 | $ 73,000 | $ 73,000 |
| Stone County Missouri | 2 | $ 377,000 | $ 188,000 | $ 87,000 |
| Taney County Missouri | 2 | $ 129,000 | $ 64,000 | $ 57,000 |
| Clark County Nevada | 2 | $ 154,000 | $ 77,000 | $ 130,000 |
| Washoe County Nevada | 2 | $ 358,000 | $ 179,000 | $ 48,000 |
| Richland County South Carolina | 2 | $ 172,000 | $ 86,000 | $ 190,000 |
| Austin County Texas | 2 | $ 331,000 | $ 165,000 | $ 106,000 |
| Chambers County Texas | 2 | $ 262,000 | $ 131,000 | $ 114,000 |
| Galveston County Texas | 2 | $ 407,000 | $ 203,000 | $ 257,000 |
| Henderson County Texas | 2 | $ 974,000 | $ 487,000 | $ 366,000 |
| Polk County Texas | 2 | $ 225,000 | $ 112,000 | $ 52,000 |
| Travis County Texas | 2 | $ 573,000 | $ 286,000 | $ 183,000 |
| Waller County Texas | 2 | $ 340,000 | $ 170,000 | $ 61,000 |
| Kenosha County Wisconsin | 2 | $ 409,000 | $ 204,000 | $ 81,000 |
| Baldwin County Alabama | 1 | $ 205,000 | $ 205,000 | $ 196,000 |
| Pinal County Arizona | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Benton County Arkansas | 1 | $ 417,000 | $ 417,000 | $ 257,000 |
| Garland County Arkansas | 1 | $ 142,000 | $ 142,000 | $ 27,000 |
| Washington County Arkansas | 1 | $ 280,000 | $ 280,000 | $ 183,000 |
| Butte County California | 1 | $ 133,000 | $ 133,000 | $ 27,000 |
| Fresno County California | 1 | $ 200,000 | $ 200,000 | $ 68,000 |
| Kern County California | 1 | $ 88,000 | $ 88,000 | $ 116,000 |
| San Mateo County California | 1 | $ 315,000 | $ 315,000 | $ 334,000 |
| Douglas County Colorado | 1 | $ 237,000 | $ 237,000 | $ 0 |
| El Paso County Colorado | 1 | $ 268,000 | $ 268,000 | $ 107,000 |
| Gunnison County Colorado | 1 | $ 417,000 | $ 417,000 | $ 78,000 |
| Brevard County Florida | 1 | $ 119,000 | $ 119,000 | $ 33,000 |
| Broward County Florida | 1 | $ 7,550,000 | $ 7,550,000 | $ 0 |
| Hernando County Florida | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Highlands County Florida | 1 | $ 244,000 | $ 244,000 | $ 73,000 |
| Lake County Florida | 1 | $ 223,000 | $ 223,000 | $ 77,000 |
| Miami-Dade County Florida | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Monroe County Florida | 1 | $ 169,000 | $ 169,000 | $ 500,000 |
| Pasco County Florida | 1 | $ 293,000 | $ 293,000 | $ 64,000 |
| Polk County Florida | 1 | $ 89,000 | $ 89,000 | $ 35,000 |
| Santa Rosa County Florida | 1 | $ 96,000 | $ 96,000 | $ 53,000 |
| St. Johns County Florida | 1 | $ 269,000 | $ 269,000 | $ 120,000 |
| Coffee County Georgia | 1 | $ 179,000 | $ 179,000 | $ 92,000 |
| DeKalb County Georgia | 1 | $ 41,000 | $ 41,000 | $ 329,000 |
| Fulton County Georgia | 1 | $ 49,000 | $ 49,000 | $ 174,000 |
| Paulding County Georgia | 1 | $ 161,000 | $ 161,000 | $ 110,000 |
| Cass County Illinois | 1 | $ 170,000 | $ 170,000 | $ 88,000 |
| Champaign County Illinois | 1 | $ 69,000 | $ 69,000 | $ 79,000 |
| Clay County Illinois | 1 | $ 120,000 | $ 120,000 | $ 70,000 |
| De Witt County Illinois | 1 | $ 43,000 | $ 43,000 | $ 46,000 |
| Johnson County Illinois | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Marshall County Illinois | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Perry County Illinois | 1 | $ 59,000 | $ 59,000 | $ 121,000 |
| Putnam County Illinois | 1 | $ 56,000 | $ 56,000 | $ 45,000 |
| Shelby County Illinois | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Vermilion County Illinois | 1 | $ 188,000 | $ 188,000 | $ 125,000 |
| Wayne County Illinois | 1 | $ 56,000 | $ 56,000 | $ 34,000 |
| Knox County Indiana | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Lake County Indiana | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| LaPorte County Indiana | 1 | $ 240,000 | $ 240,000 | $ 69,000 |
| Marion County Indiana | 1 | $ 98,000 | $ 98,000 | $ 35,000 |
| St. Joseph County Indiana | 1 | $ 218,000 | $ 218,000 | $ 55,000 |
| Vanderburgh County Indiana | 1 | $ 118,000 | $ 118,000 | $ 75,000 |
| Chickasaw County Iowa | 1 | $ 97,000 | $ 97,000 | $ 42,000 |
| Mahaska County Iowa | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Scott County Iowa | 1 | $ 222,000 | $ 222,000 | $ 69,000 |
| Wapello County Iowa | 1 | $ 63,000 | $ 63,000 | $ 98,000 |
| Jefferson County Kentucky | 1 | $ 137,000 | $ 137,000 | $ 103,000 |
| Kenton County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Trigg County Kentucky | 1 | $ 224,000 | $ 224,000 | $ 181,000 |
| Harrison County Mississippi | 1 | $ 169,000 | $ 169,000 | $ 124,000 |
| Audrain County Missouri | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Barry County Missouri | 1 | $ 90,000 | $ 90,000 | $ 61,000 |
| Bollinger County Missouri | 1 | $ 84,000 | $ 84,000 | $ 25,000 |
| Callaway County Missouri | 1 | $ 149,000 | $ 149,000 | $ 32,000 |
| Cape Girardeau County Missouri | 1 | $ 136,000 | $ 136,000 | $ 44,000 |
| Clinton County Missouri | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Douglas County Missouri | 1 | $ 74,000 | $ 74,000 | $ 23,000 |
| Macon County Missouri | 1 | $ 49,000 | $ 49,000 | $ 21,000 |
| Osage County Missouri | 1 | $ 390,000 | $ 390,000 | $ 240,000 |
| Randolph County Missouri | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Reynolds County Missouri | 1 | $ 77,000 | $ 77,000 | $ 18,000 |
| Shelby County Missouri | 1 | $ 190,000 | $ 190,000 | $ 72,000 |
| Franklin County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Guilford County North Carolina | 1 | $ 350,000 | $ 350,000 | $ 116,000 |
| Beaver County Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 85,000 |
| Franklin County Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 112,000 |
| Pike County Pennsylvania | 1 | $ 263,000 | $ 263,000 | $ 97,000 |
| Anderson County South Carolina | 1 | $ 342,000 | $ 342,000 | $ 138,000 |
| Greenville County South Carolina | 1 | $ 41,000 | $ 41,000 | $ 403,000 |
| Comal County Texas | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Grimes County Texas | 1 | $ 284,000 | $ 284,000 | $ 134,000 |
| Johnson County Texas | 1 | $ 54,000 | $ 54,000 | $ 20,000 |
| Lavaca County Texas | 1 | $ 68,000 | $ 68,000 | $ 445,000 |
| Parker County Texas | 1 | $ 122,000 | $ 122,000 | $ 250,000 |
| Rockwall County Texas | 1 | $ 126,000 | $ 126,000 | $ 0 |
| San Jacinto County Texas | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Smith County Texas | 1 | $ 95,000 | $ 95,000 | $ 191,000 |
| Willacy County Texas | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Loudoun County Virginia | 1 | $ 150,000 | $ 150,000 | $ 130,000 |
| Prince William County Virginia | 1 | $ 112,000 | $ 112,000 | $ 0 |
| King County Washington | 1 | $ 274,000 | $ 274,000 | $ 72,000 |
| Thurston County Washington | 1 | $ 414,000 | $ 414,000 | $ 110,000 |
| Oneida County Wisconsin | 1 | $ 281,000 | $ 281,000 | $ 144,000 |
| Walworth County Wisconsin | 1 | $ 197,000 | $ 197,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for First Bank in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 3,625 | $550,062,000 | $151,000 | $1,400,000 | $77,000 | $2,541,000 |
| Home Purchase | 1,469 | $214,076,000 | $145,000 | $9,655,000 | $65,000 | $840,000 |
| Home Improvement | 443 | $36,440,000 | $82,000 | $802,000 | $61,000 | $432,000 |
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 | 4,807 | $686,097,000 | $142,000 | $1,400,000 | $73,000 | $2,541,000 |
| Not Provided | 298 | $35,744,000 | $119,000 | $760,000 | $85,000 | $530,000 |
| Hispanic | 183 | $24,213,000 | $132,000 | $980,000 | $58,000 | $502,000 |
| Black or African American | 142 | $16,904,000 | $119,000 | $417,000 | $57,000 | $257,000 |
| Asian | 81 | $16,294,000 | $201,000 | $487,000 | $93,000 | $600,000 |
| Not applicable | 12 | $19,674,000 | $1,639,000 | $9,655,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,589,000 | $144,000 | $286,000 | $50,000 | $100,000 |
| American Indian or Alaskan Native | 3 | $63,000 | $21,000 | $50,000 | $56,000 | $70,000 |
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) | 4,264 | $635,309,000 | $148,000 | $9,655,000 | $78,000 | $2,541,000 |
| FHA-insured (Federal Housing Administration) | 955 | $124,940,000 | $130,000 | $536,000 | $53,000 | $272,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 167 | $15,799,000 | $94,000 | $204,000 | $40,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 151 | $24,530,000 | $162,000 | $417,000 | $66,000 | $175,000 |
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 | 3,947 | $567,194,000 | $143,000 | $9,655,000 | $73,000 | $948,000 |
| Application Denied By Financial Institution | 730 | $95,499,000 | $130,000 | $900,000 | $60,000 | $600,000 |
| Application Approved But Not Accepted | 515 | $84,967,000 | $164,000 | $758,000 | $84,000 | $1,200,000 |
| Application Withdrawn By Applicant | 227 | $35,286,000 | $155,000 | $1,036,000 | $93,000 | $2,541,000 |
| Preapproval Denied by Financial Institution | 87 | $11,637,000 | $133,000 | $520,000 | $52,000 | $180,000 |
| File Closed For Incompleteness | 31 | $5,995,000 | $193,000 | $1,400,000 | $92,000 | $863,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 235 | $32,944,000 | $140,000 | $760,000 | $48,000 | $316,000 |
| Collateral | 212 | $31,837,000 | $150,000 | $645,000 | $72,000 | $600,000 |
| Credit History | 190 | $18,110,000 | $95,000 | $639,000 | $54,000 | $480,000 |
| Other | 93 | $13,578,000 | $146,000 | $900,000 | $73,000 | $232,000 |
| Employment History | 33 | $4,328,000 | $131,000 | $390,000 | $47,000 | $190,000 |
| Unverifiable Information | 23 | $3,039,000 | $132,000 | $417,000 | $58,000 | $169,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $2,070,000 | $115,000 | $343,000 | $54,000 | $180,000 |
| Credit Application Incomplete | 9 | $539,000 | $59,000 | $180,000 | $65,000 | $116,000 |
| Mortgage Insurance Denied | 4 | $691,000 | $172,000 | $284,000 | $71,000 | $134,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2009 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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