First Bank Mortgage Lending & HMDA Data, 2011

In 2011, First Bank of Saint Louis, MO reported 3,180 mortgage applications totaling $537.9 million, down 24% from 2010. The average application was for $169,142, and applicants reported an average income of $85,459. 59% of its applications resulted in an originated loan and 17% were denied. Its largest markets were St. Louis, MO-IL (1,590), Los Angeles-Long Beach-Glendale, CA (151) and Sacramento--Arden-Arcade--Roseville, CA (92) (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 3,180
Total Mortgage Loan Application Amount $537,873,000
Average Mortgage Loan Application Amount $169,142
Highest Mortgage Loan Application Amount $15,601,000
Average Applicant Income $85,459
Highest Applicant Income $4,978,000

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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
St. Louis, Missouri 467 $ 77,419,000 $ 165,779 $ 94,000
St. Charles, Missouri 266 $ 37,629,000 $ 141,462 $ 77,000
St. Clair, Illinois 225 $ 44,620,000 $ 198,311 $ 74,000
Los Angeles, California 151 $ 44,376,000 $ 293,880 $ 144,000
Clinton, Illinois 96 $ 11,932,000 $ 124,291 $ 84,000
St. Francois, Missouri 87 $ 8,867,000 $ 101,919 $ 51,000
Jefferson, Missouri 84 $ 10,402,000 $ 123,833 $ 52,000
Franklin, Missouri 81 $ 10,258,000 $ 126,641 $ 66,000
Orange, California 75 $ 26,113,000 $ 348,173 $ 131,000
Randolph, Illinois 74 $ 9,359,000 $ 126,472 $ 71,000
St. Louis City, Missouri 72 $ 8,038,000 $ 111,638 $ 61,000
Gasconade, Missouri 69 $ 7,693,000 $ 111,492 $ 58,000
Madison, Illinois 67 $ 8,890,000 $ 132,686 $ 80,000
Solano, California 61 $ 10,776,000 $ 176,655 $ 91,000
Warren, Missouri 55 $ 7,888,000 $ 143,418 $ 72,000
Lincoln, Missouri 54 $ 7,894,000 $ 146,185 $ 65,000
Ventura, California 52 $ 13,979,000 $ 268,826 $ 154,000
Sacramento, California 48 $ 9,797,000 $ 204,104 $ 86,000
Monroe, Illinois 45 $ 6,298,000 $ 139,955 $ 79,000
Santa Barbara, California 43 $ 9,831,000 $ 228,627 $ 114,000
Manatee, Florida 43 $ 9,109,000 $ 211,837 $ 78,000
Riverside, California 39 $ 6,563,000 $ 168,282 $ 107,000
Franklin, Illinois 37 $ 2,905,000 $ 78,513 $ 58,000
Placer, California 34 $ 7,380,000 $ 217,058 $ 87,000
Cook, Illinois 34 $ 5,816,000 $ 171,058 $ 88,000
Jersey, Illinois 34 $ 3,037,000 $ 89,323 $ 59,000
Pinellas, Florida 31 $ 3,532,000 $ 113,935 $ 70,000
Contra Costa, California 29 $ 7,191,000 $ 247,965 $ 89,000
Ste. Genevieve, Missouri 29 $ 3,394,000 $ 117,034 $ 60,000
Jackson, Illinois 27 $ 2,547,000 $ 94,333 $ 87,000
San Diego, California 26 $ 5,491,000 $ 211,192 $ 102,000
Santa Clara, California 25 $ 8,769,000 $ 350,760 $ 105,000
Montgomery, Missouri 24 $ 3,492,000 $ 145,500 $ 62,000
Williamson, Illinois 20 $ 1,635,000 $ 81,750 $ 51,000
San Bernardino, California 18 $ 4,046,000 $ 224,777 $ 106,000
Fayette, Illinois 18 $ 1,481,000 $ 82,277 $ 47,000
Camden, Missouri 17 $ 2,786,000 $ 163,882 $ 157,000
Bond, Illinois 16 $ 1,682,000 $ 105,125 $ 66,000
Macoupin, Illinois 16 $ 876,000 $ 54,750 $ 123,000
Marion, Illinois 14 $ 1,289,000 $ 92,071 $ 69,000
Knox, Illinois 13 $ 1,734,000 $ 133,384 $ 163,000
Pike, Illinois 13 $ 1,659,000 $ 127,615 $ 69,000
Marin, California 12 $ 4,519,000 $ 376,583 $ 122,000
San Francisco, California 12 $ 7,519,000 $ 626,583 $ 148,000
Adams, Illinois 12 $ 1,247,000 $ 103,916 $ 71,000
Lake, Illinois 11 $ 2,401,000 $ 218,272 $ 112,000
Washington, Missouri 11 $ 1,198,000 $ 108,909 $ 50,000
Montgomery, Texas 11 $ 1,713,000 $ 155,727 $ 90,000
Harris, Texas 10 $ 995,000 $ 99,500 $ 62,000
Clark, Nevada 9 $ 776,000 $ 86,222 $ 84,000
Hillsborough, Florida 8 $ 716,000 $ 89,500 $ 75,000
Pasco, Florida 8 $ 789,000 $ 98,625 $ 82,000
Madison, Missouri 8 $ 978,000 $ 122,250 $ 77,000
Alameda, California 7 $ 2,467,000 $ 352,428 $ 124,000
Yolo, California 7 $ 1,129,000 $ 161,285 $ 105,000
Scott, Illinois 7 $ 574,000 $ 82,000 $ 52,000
Pike, Missouri 7 $ 947,000 $ 135,285 $ 53,000
Napa, California 6 $ 1,857,000 $ 309,500 $ 80,000
Santa Cruz, California 6 $ 2,232,000 $ 372,000 $ 131,000
Peoria, Illinois 6 $ 1,001,000 $ 166,833 $ 76,000
San Mateo, California 5 $ 1,534,000 $ 306,800 $ 101,000
DuPage, Illinois 5 $ 1,138,000 $ 227,600 $ 73,000
Greene, Illinois 5 $ 402,000 $ 80,400 $ 51,000
Perry, Missouri 5 $ 590,000 $ 118,000 $ 78,000
San Luis Obispo, California 4 $ 694,000 $ 173,500 $ 81,000
Lee, Florida 4 $ 498,000 $ 124,500 $ 94,000
Boone, Missouri 4 $ 668,000 $ 167,000 $ 101,000
Callaway, Missouri 4 $ 571,000 $ 142,750 $ 56,000
Baldwin, Alabama 3 $ 629,000 $ 209,666 $ 173,000
El Dorado, California 3 $ 1,150,000 $ 383,333 $ 122,000
Fulton, Illinois 3 $ 206,000 $ 68,666 $ 45,000
Kane, Illinois 3 $ 211,000 $ 70,333 $ 47,000
Montgomery, Illinois 3 $ 214,000 $ 71,333 $ 53,000
Tazewell, Illinois 3 $ 467,000 $ 155,666 $ 63,000
Washington, Illinois 3 $ 337,000 $ 112,333 $ 35,000
Whiteside, Illinois 3 $ 358,000 $ 119,333 $ 103,000
Cape Girardeau, Missouri 3 $ 148,000 $ 49,333 $ 62,000
Maries, Missouri 3 $ 241,000 $ 80,333 $ 44,000
Colbert, Alabama 2 $ 268,000 $ 134,000 $ 65,000
Benton, Arkansas 2 $ 773,000 $ 386,500 $ 303,000
San Joaquin, California 2 $ 286,000 $ 143,000 $ 97,000
Sonoma, California 2 $ 627,000 $ 313,500 $ 82,000
Hernando, Florida 2 $ 243,000 $ 121,500 $ 56,000
Okaloosa, Florida 2 $ 473,000 $ 236,500 $ 153,000
Polk, Florida 2 $ 172,000 $ 86,000 $ 37,000
Sarasota, Florida 2 $ 577,000 $ 288,500 $ 187,000
Jefferson, Illinois 2 $ 220,000 $ 110,000 $ 55,000
Johnson, Illinois 2 $ 78,000 $ 39,000 $ 26,000
Lawrence, Illinois 2 $ 268,000 $ 134,000 $ 59,000
Macon, Illinois 2 $ 220,000 $ 110,000 $ 74,000
McDonough, Illinois 2 $ 241,000 $ 120,500 $ 80,000
McLean, Illinois 2 $ 463,000 $ 231,500 $ 119,000
Sangamon, Illinois 2 $ 160,000 $ 80,000 $ 54,000
Warren, Illinois 2 $ 233,000 $ 116,500 $ 48,000
Marion, Indiana 2 $ 348,000 $ 174,000 $ 67,000
Johnson, Kansas 2 $ 197,000 $ 98,500 $ 38,000
Fayette, Kentucky 2 $ 285,000 $ 142,500 $ 49,000
Cass, Missouri 2 $ 536,000 $ 268,000 $ 116,000
Cole, Missouri 2 $ 360,000 $ 180,000 $ 413,000
Crawford, Missouri 2 $ 189,000 $ 94,500 $ 38,000
Lafayette, Missouri 2 $ 187,000 $ 93,500 $ 68,000
Morgan, Missouri 2 $ 278,000 $ 139,000 $ 191,000
Osage, Missouri 2 $ 152,000 $ 76,000 $ 36,000
Platte, Missouri 2 $ 610,000 $ 305,000 $ 98,000
Wayne, Missouri 2 $ 206,000 $ 103,000 $ 43,000
Shelby, Tennessee 2 $ 178,000 $ 89,000 $ 45,000
Austin, Texas 2 $ 177,000 $ 88,500 $ 94,000
Denton, Texas 2 $ 260,000 $ 130,000 $ 65,000
Jackson, Wisconsin 2 $ 155,000 $ 77,500 $ 121,000
Montgomery, Alabama 1 $ 90,000 $ 90,000 $ 115,000
Maricopa, Arizona 1 $ 383,000 $ 383,000 $ 196,000
Yavapai, Arizona 1 $ 85,000 $ 85,000 $ 69,000
Union, Arkansas 1 $ 160,000 $ 160,000 $ 72,000
Calaveras, California 1 $ 258,000 $ 258,000 $ 222,000
Humboldt, California 1 $ 154,000 $ 154,000 $ 50,000
Kern, California 1 $ 253,000 $ 253,000 $ 142,000
Lake, California 1 $ 97,000 $ 97,000 $ 41,000
Nevada, California 1 $ 258,000 $ 258,000 $ 87,000
Siskiyou, California 1 $ 72,000 $ 72,000 $ 171,000
Boulder, Colorado 1 $ 490,000 $ 490,000 $ 106,000
El Paso, Colorado 1 $ 80,000 $ 80,000 $ 92,000
Weld, Colorado 1 $ 256,000 $ 256,000 $ 74,000
Litchfield, Connecticut 1 $ 176,000 $ 176,000 $ 38,000
Broward, Florida 1 $ 104,000 $ 104,000 $ 38,000
Marion, Florida 1 $ 88,000 $ 88,000 $ 64,000
Martin, Florida 1 $ 127,000 $ 127,000 $ 56,000
Miami-Dade, Florida 1 $ 150,000 $ 150,000 $ 62,000
Palm Beach, Florida 1 $ 48,000 $ 48,000 $ 100,000
Volusia, Florida 1 $ 91,000 $ 91,000 $ 110,000
Coffee, Georgia 1 $ 151,000 $ 151,000 $ 79,000
Fannin, Georgia 1 $ 283,000 $ 283,000 $ 88,000
Glynn, Georgia 1 $ 294,000 $ 294,000 $ 125,000
Gwinnett, Georgia 1 $ 167,000 $ 167,000 $ 69,000
Blaine, Idaho 1 $ 138,000 $ 138,000 $ 415,000
Boone, Illinois 1 $ 10,000 $ 10,000 $ 29,000
Brown, Illinois 1 $ 55,000 $ 55,000 $ 29,000
Calhoun, Illinois 1 $ 152,000 $ 152,000 $ 119,000
Carroll, Illinois 1 $ 53,000 $ 53,000 $ 29,000
Effingham, Illinois 1 $ 50,000 $ 50,000 $ 22,000
Henry, Illinois 1 $ 94,000 $ 94,000 $ 152,000
LaSalle, Illinois 1 $ 50,000 $ 50,000 $ 36,000
Mason, Illinois 1 $ 64,000 $ 64,000 $ 41,000
Morgan, Illinois 1 $ 40,000 $ 40,000 $ 169,000
Piatt, Illinois 1 $ 59,000 $ 59,000 $ 83,000
Richland, Illinois 1 $ 64,000 $ 64,000 $ 44,000
Schuyler, Illinois 1 $ 128,000 $ 128,000 $ 0
Union, Illinois 1 $ 5,000 $ 5,000 $ 91,000
Wabash, Illinois 1 $ 127,000 $ 127,000 $ 90,000
Will, Illinois 1 $ 167,000 $ 167,000 $ 68,000
Winnebago, Illinois 1 $ 132,000 $ 132,000 $ 112,000
Woodford, Illinois 1 $ 76,000 $ 76,000 $ 137,000
Elkhart, Indiana 1 $ 76,000 $ 76,000 $ 35,000
LaPorte, Indiana 1 $ 240,000 $ 240,000 $ 107,000
St. Joseph, Indiana 1 $ 59,000 $ 59,000 $ 41,000
Douglas, Kansas 1 $ 90,000 $ 90,000 $ 83,000
Scott, Kentucky 1 $ 135,000 $ 135,000 $ 19,000
Ramsey, Minnesota 1 $ 102,000 $ 102,000 $ 216,000
Barry, Missouri 1 $ 100,000 $ 100,000 $ 163,000
Douglas, Missouri 1 $ 74,000 $ 74,000 $ 40,000
Iron, Missouri 1 $ 118,000 $ 118,000 $ 234,000
Jackson, Missouri 1 $ 188,000 $ 188,000 $ 58,000
Marion, Missouri 1 $ 92,000 $ 92,000 $ 69,000
Ozark, Missouri 1 $ 133,000 $ 133,000 $ 73,000
Ray, Missouri 1 $ 75,000 $ 75,000 $ 35,000
Reynolds, Missouri 1 $ 61,000 $ 61,000 $ 29,000
Stone, Missouri 1 $ 209,000 $ 209,000 $ 68,000
Taney, Missouri 1 $ 124,000 $ 124,000 $ 66,000
Webster, Missouri 1 $ 116,000 $ 116,000 $ 82,000
Washoe, Nevada 1 $ 350,000 $ 350,000 $ 720,000
Jackson, North Carolina 1 $ 248,000 $ 248,000 $ 51,000
Greene, Ohio 1 $ 86,000 $ 86,000 $ 54,000
Bexar, Texas 1 $ 124,000 $ 124,000 $ 63,000
Brazoria, Texas 1 $ 60,000 $ 60,000 $ 125,000
Chambers, Texas 1 $ 124,000 $ 124,000 $ 74,000
Collin, Texas 1 $ 676,000 $ 676,000 $ 135,000
Comal, Texas 1 $ 411,000 $ 411,000 $ 0
Dallas, Texas 1 $ 208,000 $ 208,000 $ 79,000
Fort Bend, Texas 1 $ 207,000 $ 207,000 $ 110,000
Galveston, Texas 1 $ 111,000 $ 111,000 $ 48,000
Grimes, Texas 1 $ 119,000 $ 119,000 $ 49,000
Hardin, Texas 1 $ 99,000 $ 99,000 $ 51,000
Liberty, Texas 1 $ 150,000 $ 150,000 $ 65,000
Tarrant, Texas 1 $ 88,000 $ 88,000 $ 63,000
Salt Lake, Utah 1 $ 191,000 $ 191,000 $ 101,000
Virginia Beach, Virginia 1 $ 101,000 $ 101,000 $ 109,000

Mortgage Loan Application Detail Totals for First Bank in 2011

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 2,060 $356,499,000 $173,000 $2,000,000 $89,000 $1,144,000
Home Purchase 892 $162,256,000 $181,000 $15,601,000 $82,000 $4,978,000
Home Improvement 228 $19,118,000 $83,000 $450,000 $67,000 $334,000

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 2,647 $422,479,000 $159,000 $2,888,000 $85,000 $4,978,000
Not Provided 180 $30,136,000 $167,000 $2,000,000 $92,000 $1,135,000
Asian 124 $28,812,000 $232,000 $1,100,000 $109,000 $720,000
Black or African American 109 $13,312,000 $122,000 $400,000 $63,000 $312,000
Hispanic 99 $19,214,000 $194,000 $825,000 $95,000 $983,000
Not applicable 10 $21,671,000 $2,167,000 $15,601,000 $0 $0
Native Hawaiian or Other Pacific Islander 7 $1,574,000 $224,000 $388,000 $115,000 $298,000
American Indian or Alaskan Native 4 $675,000 $168,000 $265,000 $40,000 $71,000

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) 2,500 $436,901,000 $174,000 $15,601,000 $94,000 $4,978,000
FHA-insured (Federal Housing Administration) 457 $64,712,000 $141,000 $730,000 $57,000 $228,000
VA-guaranteed (Veterans Administration) 147 $27,225,000 $185,000 $461,000 $60,000 $269,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 76 $9,035,000 $118,000 $1,007,000 $45,000 $215,000

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 1,873 $311,255,000 $166,000 $15,601,000 $85,000 $1,135,000
Application Denied By Financial Institution 545 $92,272,000 $169,000 $4,398,000 $72,000 $1,144,000
Application Approved But Not Accepted 381 $65,539,000 $172,000 $840,000 $96,000 $876,000
Application Withdrawn By Applicant 224 $39,140,000 $174,000 $2,888,000 $111,000 $4,978,000
Preapproval Denied by Financial Institution 87 $15,703,000 $180,000 $525,000 $63,000 $272,000
File Closed For Incompleteness 70 $13,964,000 $199,000 $1,100,000 $95,000 $340,000
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 242 $45,790,000 $189,000 $1,500,000 $61,000 $247,000
Collateral 160 $26,518,000 $165,000 $825,000 $89,000 $983,000
Credit History 126 $13,941,000 $110,000 $575,000 $57,000 $259,000
Other 67 $16,908,000 $252,000 $4,398,000 $101,000 $1,144,000
Employment History 20 $2,702,000 $135,000 $505,000 $45,000 $141,000
Unverifiable Information 9 $864,000 $96,000 $417,000 $65,000 $141,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,193,000 $170,000 $300,000 $61,000 $99,000
Credit Application Incomplete 1 $59,000 $59,000 $59,000 $34,000 $34,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2011 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.
For a list of all lenders in Missouri, download the full spreadsheet with aggregated HMDA statistics today.

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