First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
First Bank 2012 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 | 4,512 |
| Total Mortgage Loan Application Amount | $825,597,000 |
| Average Mortgage Loan Application Amount | $161,000 |
| Highest Mortgage Loan Application Amount | $4,700,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $1,559,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 678 | $ 121,399,000 | $ 179,000 | $ 93,000 |
| St. Charles County Missouri | 381 | $ 56,989,000 | $ 149,000 | $ 74,000 |
| Los Angeles County California | 308 | $ 94,765,000 | $ 307,000 | $ 99,000 |
| St. Clair County Illinois | 210 | $ 25,540,000 | $ 121,000 | $ 73,000 |
| Orange County California | 193 | $ 67,823,000 | $ 351,000 | $ 113,000 |
| St. Francois County Missouri | 135 | $ 14,881,000 | $ 110,000 | $ 51,000 |
| Clinton County Illinois | 128 | $ 16,024,000 | $ 125,000 | $ 76,000 |
| Franklin County Missouri | 108 | $ 12,555,000 | $ 116,000 | $ 59,000 |
| Jefferson County Missouri | 108 | $ 15,798,000 | $ 146,000 | $ 60,000 |
| Warren County Missouri | 95 | $ 14,356,000 | $ 151,000 | $ 75,000 |
| Madison County Illinois | 94 | $ 10,558,000 | $ 112,000 | $ 61,000 |
| Sacramento County California | 92 | $ 20,074,000 | $ 218,000 | $ 105,000 |
| Gasconade County Missouri | 90 | $ 11,522,000 | $ 128,000 | $ 68,000 |
| Solano County California | 89 | $ 20,225,000 | $ 227,000 | $ 99,000 |
| St. Louis City County Missouri | 86 | $ 13,118,000 | $ 152,000 | $ 92,000 |
| San Diego County California | 79 | $ 19,634,000 | $ 248,000 | $ 98,000 |
| Randolph County Illinois | 79 | $ 9,475,000 | $ 119,000 | $ 91,000 |
| Monroe County Illinois | 67 | $ 8,763,000 | $ 130,000 | $ 87,000 |
| Santa Barbara County California | 64 | $ 21,476,000 | $ 335,000 | $ 145,000 |
| Ventura County California | 64 | $ 18,900,000 | $ 295,000 | $ 128,000 |
| Pinellas County Florida | 64 | $ 10,451,000 | $ 163,000 | $ 83,000 |
| Manatee County Florida | 56 | $ 7,458,000 | $ 133,000 | $ 64,000 |
| Ste. Genevieve County Missouri | 56 | $ 6,303,000 | $ 112,000 | $ 59,000 |
| Contra Costa County California | 54 | $ 13,637,000 | $ 252,000 | $ 97,000 |
| Lincoln County Missouri | 54 | $ 8,029,000 | $ 148,000 | $ 53,000 |
| Placer County California | 50 | $ 9,432,000 | $ 188,000 | $ 81,000 |
| Riverside County California | 45 | $ 8,631,000 | $ 191,000 | $ 85,000 |
| Cook County Illinois | 44 | $ 7,822,000 | $ 177,000 | $ 99,000 |
| Santa Clara County California | 39 | $ 12,663,000 | $ 324,000 | $ 118,000 |
| Jersey County Illinois | 37 | $ 3,006,000 | $ 81,000 | $ 51,000 |
| Montgomery County Missouri | 35 | $ 4,190,000 | $ 119,000 | $ 51,000 |
| Fayette County Illinois | 32 | $ 2,790,000 | $ 87,000 | $ 79,000 |
| Franklin County Illinois | 30 | $ 2,534,000 | $ 84,000 | $ 66,000 |
| Bond County Illinois | 26 | $ 3,801,000 | $ 146,000 | $ 105,000 |
| Marion County Illinois | 25 | $ 1,951,000 | $ 78,000 | $ 64,000 |
| San Francisco County California | 22 | $ 9,033,000 | $ 410,000 | $ 142,000 |
| Peoria County Illinois | 21 | $ 2,763,000 | $ 131,000 | $ 64,000 |
| Williamson County Illinois | 20 | $ 1,856,000 | $ 92,000 | $ 76,000 |
| Adams County Illinois | 19 | $ 1,882,000 | $ 99,000 | $ 50,000 |
| Camden County Missouri | 19 | $ 2,585,000 | $ 136,000 | $ 117,000 |
| San Mateo County California | 18 | $ 6,657,000 | $ 369,000 | $ 122,000 |
| Harris County Texas | 18 | $ 2,813,000 | $ 156,000 | $ 80,000 |
| San Bernardino County California | 16 | $ 2,639,000 | $ 164,000 | $ 83,000 |
| Hillsborough County Florida | 16 | $ 2,508,000 | $ 156,000 | $ 80,000 |
| Napa County California | 14 | $ 4,752,000 | $ 339,000 | $ 115,000 |
| Madison County Missouri | 14 | $ 1,231,000 | $ 87,000 | $ 41,000 |
| El Dorado County California | 13 | $ 3,354,000 | $ 258,000 | $ 96,000 |
| Knox County Illinois | 13 | $ 2,424,000 | $ 186,000 | $ 187,000 |
| Washington County Missouri | 13 | $ 1,603,000 | $ 123,000 | $ 67,000 |
| Alameda County California | 12 | $ 4,273,000 | $ 356,000 | $ 149,000 |
| DuPage County Illinois | 11 | $ 2,222,000 | $ 202,000 | $ 110,000 |
| Jackson County Illinois | 11 | $ 1,022,000 | $ 92,000 | $ 63,000 |
| Macoupin County Illinois | 11 | $ 1,088,000 | $ 98,000 | $ 52,000 |
| Pasco County Florida | 10 | $ 1,124,000 | $ 112,000 | $ 46,000 |
| San Luis Obispo County California | 9 | $ 1,374,000 | $ 152,000 | $ 46,000 |
| Yolo County California | 9 | $ 2,149,000 | $ 238,000 | $ 63,000 |
| Montgomery County Texas | 9 | $ 1,115,000 | $ 123,000 | $ 74,000 |
| Greene County Illinois | 8 | $ 869,000 | $ 108,000 | $ 51,000 |
| Lake County Illinois | 8 | $ 1,454,000 | $ 181,000 | $ 68,000 |
| St. Lucie County Florida | 7 | $ 476,000 | $ 68,000 | $ 133,000 |
| Fulton County Illinois | 7 | $ 567,000 | $ 81,000 | $ 38,000 |
| Will County Illinois | 7 | $ 1,685,000 | $ 240,000 | $ 91,000 |
| Baldwin County Alabama | 6 | $ 1,599,000 | $ 266,000 | $ 181,000 |
| Maricopa County Arizona | 6 | $ 1,551,000 | $ 258,000 | $ 320,000 |
| Santa Cruz County California | 6 | $ 2,035,000 | $ 339,000 | $ 187,000 |
| Sarasota County Florida | 6 | $ 982,000 | $ 163,000 | $ 62,000 |
| Pike County Illinois | 6 | $ 1,084,000 | $ 180,000 | $ 50,000 |
| Warren County Illinois | 6 | $ 593,000 | $ 98,000 | $ 17,000 |
| Clark County Nevada | 6 | $ 900,000 | $ 150,000 | $ 119,000 |
| Marin County California | 5 | $ 1,775,000 | $ 355,000 | $ 121,000 |
| San Joaquin County California | 5 | $ 907,000 | $ 181,000 | $ 112,000 |
| Sonoma County California | 5 | $ 1,920,000 | $ 384,000 | $ 79,000 |
| Kane County Illinois | 5 | $ 1,157,000 | $ 231,000 | $ 80,000 |
| Tazewell County Illinois | 5 | $ 682,000 | $ 136,000 | $ 71,000 |
| Cape Girardeau County Missouri | 5 | $ 641,000 | $ 128,000 | $ 134,000 |
| Iron County Missouri | 5 | $ 427,000 | $ 85,000 | $ 60,000 |
| Maries County Missouri | 5 | $ 819,000 | $ 163,000 | $ 77,000 |
| Pike County Missouri | 5 | $ 600,000 | $ 120,000 | $ 51,000 |
| Sangamon County Illinois | 4 | $ 472,000 | $ 118,000 | $ 53,000 |
| Scott County Illinois | 4 | $ 364,000 | $ 91,000 | $ 76,000 |
| Crawford County Missouri | 4 | $ 569,000 | $ 142,000 | $ 60,000 |
| Stone County Missouri | 4 | $ 548,000 | $ 137,000 | $ 115,000 |
| Bexar County Texas | 4 | $ 409,000 | $ 102,000 | $ 121,000 |
| Fort Bend County Texas | 4 | $ 519,000 | $ 129,000 | $ 120,000 |
| Fresno County California | 3 | $ 779,000 | $ 259,000 | $ 27,000 |
| Tulare County California | 3 | $ 1,359,000 | $ 453,000 | $ 223,000 |
| Clay County Florida | 3 | $ 624,000 | $ 208,000 | $ 58,000 |
| Collier County Florida | 3 | $ 1,002,000 | $ 334,000 | $ 183,000 |
| Hernando County Florida | 3 | $ 222,000 | $ 74,000 | $ 63,000 |
| Lee County Florida | 3 | $ 886,000 | $ 295,000 | $ 135,000 |
| Santa Rosa County Florida | 3 | $ 531,000 | $ 177,000 | $ 205,000 |
| Lawrence County Illinois | 3 | $ 374,000 | $ 124,000 | $ 82,000 |
| Washington County Illinois | 3 | $ 358,000 | $ 119,000 | $ 41,000 |
| Bollinger County Missouri | 3 | $ 335,000 | $ 111,000 | $ 72,000 |
| Boone County Missouri | 3 | $ 378,000 | $ 126,000 | $ 61,000 |
| Christian County Missouri | 3 | $ 403,000 | $ 134,000 | $ 70,000 |
| Morgan County Missouri | 3 | $ 718,000 | $ 239,000 | $ 183,000 |
| Washoe County Nevada | 3 | $ 648,000 | $ 216,000 | $ 87,000 |
| Butte County California | 2 | $ 284,000 | $ 142,000 | $ 62,000 |
| Lake County California | 2 | $ 205,000 | $ 102,000 | $ 75,000 |
| Madera County California | 2 | $ 223,000 | $ 111,000 | $ 123,000 |
| Monterey County California | 2 | $ 776,000 | $ 388,000 | $ 165,000 |
| Volusia County Florida | 2 | $ 680,000 | $ 340,000 | $ 142,000 |
| Calhoun County Illinois | 2 | $ 238,000 | $ 119,000 | $ 91,000 |
| Kendall County Illinois | 2 | $ 325,000 | $ 162,000 | $ 74,000 |
| Macon County Illinois | 2 | $ 101,000 | $ 50,000 | $ 35,000 |
| McDonough County Illinois | 2 | $ 146,000 | $ 73,000 | $ 61,000 |
| McHenry County Illinois | 2 | $ 437,000 | $ 218,000 | $ 142,000 |
| McLean County Illinois | 2 | $ 398,000 | $ 199,000 | $ 89,000 |
| Whiteside County Illinois | 2 | $ 118,000 | $ 59,000 | $ 67,000 |
| Marion County Indiana | 2 | $ 146,000 | $ 73,000 | $ 29,000 |
| St. Joseph County Indiana | 2 | $ 137,000 | $ 68,000 | $ 29,000 |
| Scott County Iowa | 2 | $ 159,000 | $ 79,000 | $ 0 |
| Johnson County Kansas | 2 | $ 166,000 | $ 83,000 | $ 151,000 |
| Benton County Missouri | 2 | $ 122,000 | $ 61,000 | $ 56,000 |
| Greene County Missouri | 2 | $ 314,000 | $ 157,000 | $ 64,000 |
| Perry County Missouri | 2 | $ 192,000 | $ 96,000 | $ 115,000 |
| Reynolds County Missouri | 2 | $ 269,000 | $ 134,000 | $ 48,000 |
| Wayne County Missouri | 2 | $ 370,000 | $ 185,000 | $ 88,000 |
| Cuyahoga County Ohio | 2 | $ 245,000 | $ 122,000 | $ 88,000 |
| Klamath County Oregon | 2 | $ 262,000 | $ 131,000 | $ 226,000 |
| Shelby County Tennessee | 2 | $ 312,000 | $ 156,000 | $ 114,000 |
| Austin County Texas | 2 | $ 187,000 | $ 93,000 | $ 63,000 |
| Comal County Texas | 2 | $ 484,000 | $ 242,000 | $ 44,000 |
| Walker County Texas | 2 | $ 466,000 | $ 233,000 | $ 77,000 |
| Waller County Texas | 2 | $ 288,000 | $ 144,000 | $ 84,000 |
| Pinal County Arizona | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Yavapai County Arizona | 1 | $ 73,000 | $ 73,000 | $ 69,000 |
| Benton County Arkansas | 1 | $ 362,000 | $ 362,000 | $ 324,000 |
| Union County Arkansas | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Calaveras County California | 1 | $ 216,000 | $ 216,000 | $ 149,000 |
| Humboldt County California | 1 | $ 232,000 | $ 232,000 | $ 443,000 |
| Mendocino County California | 1 | $ 200,000 | $ 200,000 | $ 55,000 |
| Nevada County California | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Plumas County California | 1 | $ 119,000 | $ 119,000 | $ 53,000 |
| Shasta County California | 1 | $ 39,000 | $ 39,000 | $ 46,000 |
| Stanislaus County California | 1 | $ 172,000 | $ 172,000 | $ 96,000 |
| Adams County Colorado | 1 | $ 285,000 | $ 285,000 | $ 131,000 |
| Boulder County Colorado | 1 | $ 500,000 | $ 500,000 | $ 73,000 |
| Weld County Colorado | 1 | $ 99,000 | $ 99,000 | $ 36,000 |
| Hartford County Connecticut | 1 | $ 154,000 | $ 154,000 | $ 125,000 |
| Brevard County Florida | 1 | $ 103,000 | $ 103,000 | $ 37,000 |
| Broward County Florida | 1 | $ 177,000 | $ 177,000 | $ 102,000 |
| Charlotte County Florida | 1 | $ 270,000 | $ 270,000 | $ 102,000 |
| Duval County Florida | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Escambia County Florida | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Hardee County Florida | 1 | $ 665,000 | $ 665,000 | $ 73,000 |
| Leon County Florida | 1 | $ 241,000 | $ 241,000 | $ 111,000 |
| Miami-Dade County Florida | 1 | $ 687,000 | $ 687,000 | $ 560,000 |
| Orange County Florida | 1 | $ 204,000 | $ 204,000 | $ 101,000 |
| Palm Beach County Florida | 1 | $ 285,000 | $ 285,000 | $ 202,000 |
| Polk County Florida | 1 | $ 95,000 | $ 95,000 | $ 217,000 |
| Seminole County Florida | 1 | $ 113,000 | $ 113,000 | $ 98,000 |
| Walton County Florida | 1 | $ 417,000 | $ 417,000 | $ 708,000 |
| Cobb County Georgia | 1 | $ 256,000 | $ 256,000 | $ 100,000 |
| Gordon County Georgia | 1 | $ 96,000 | $ 96,000 | $ 31,000 |
| Hancock County Georgia | 1 | $ 128,000 | $ 128,000 | $ 43,000 |
| Cass County Illinois | 1 | $ 111,000 | $ 111,000 | $ 24,000 |
| Jefferson County Illinois | 1 | $ 110,000 | $ 110,000 | $ 90,000 |
| LaSalle County Illinois | 1 | $ 226,000 | $ 226,000 | $ 89,000 |
| Lee County Illinois | 1 | $ 132,000 | $ 132,000 | $ 76,000 |
| Morgan County Illinois | 1 | $ 61,000 | $ 61,000 | $ 14,000 |
| Richland County Illinois | 1 | $ 217,000 | $ 217,000 | $ 83,000 |
| Union County Illinois | 1 | $ 126,000 | $ 126,000 | $ 51,000 |
| Woodford County Illinois | 1 | $ 69,000 | $ 69,000 | $ 81,000 |
| Hamilton County Indiana | 1 | $ 296,000 | $ 296,000 | $ 191,000 |
| Hendricks County Indiana | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| Monroe County Indiana | 1 | $ 265,000 | $ 265,000 | $ 79,000 |
| Chickasaw County Iowa | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Boone County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 168,000 |
| Jefferson County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 43,000 |
| Oakland County Michigan | 1 | $ 101,000 | $ 101,000 | $ 29,000 |
| Hennepin County Minnesota | 1 | $ 167,000 | $ 167,000 | $ 65,000 |
| Adair County Missouri | 1 | $ 84,000 | $ 84,000 | $ 45,000 |
| Barry County Missouri | 1 | $ 128,000 | $ 128,000 | $ 187,000 |
| Callaway County Missouri | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Clinton County Missouri | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Cooper County Missouri | 1 | $ 113,000 | $ 113,000 | $ 54,000 |
| Dallas County Missouri | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Dent County Missouri | 1 | $ 44,000 | $ 44,000 | $ 103,000 |
| Douglas County Missouri | 1 | $ 71,000 | $ 71,000 | $ 33,000 |
| Jackson County Missouri | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Lawrence County Missouri | 1 | $ 66,000 | $ 66,000 | $ 95,000 |
| Lewis County Missouri | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Marion County Missouri | 1 | $ 44,000 | $ 44,000 | $ 36,000 |
| Osage County Missouri | 1 | $ 102,000 | $ 102,000 | $ 49,000 |
| Phelps County Missouri | 1 | $ 89,000 | $ 89,000 | $ 18,000 |
| Platte County Missouri | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Polk County Missouri | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Pulaski County Missouri | 1 | $ 117,000 | $ 117,000 | $ 83,000 |
| Guilford County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 143,000 |
| Greene County Ohio | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 141,000 | $ 141,000 | $ 58,000 |
| Shelby County Ohio | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Multnomah County Oregon | 1 | $ 146,000 | $ 146,000 | $ 133,000 |
| Blair County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 70,000 |
| Anderson County South Carolina | 1 | $ 321,000 | $ 321,000 | $ 151,000 |
| Blount County Tennessee | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Hamilton County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 45,000 |
| Sevier County Tennessee | 1 | $ 124,000 | $ 124,000 | $ 74,000 |
| Collin County Texas | 1 | $ 408,000 | $ 408,000 | $ 0 |
| El Paso County Texas | 1 | $ 74,000 | $ 74,000 | $ 90,000 |
| Galveston County Texas | 1 | $ 61,000 | $ 61,000 | $ 57,000 |
| Hidalgo County Texas | 1 | $ 53,000 | $ 53,000 | $ 88,000 |
| Liberty County Texas | 1 | $ 158,000 | $ 158,000 | $ 96,000 |
| Travis County Texas | 1 | $ 236,000 | $ 236,000 | $ 104,000 |
| Washington County Utah | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Fairfax County Virginia | 1 | $ 141,000 | $ 141,000 | $ 95,000 |
| Fauquier County Virginia | 1 | $ 70,000 | $ 70,000 | $ 109,000 |
| James City County Virginia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Norfolk County Virginia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 236,000 | $ 236,000 | $ 128,000 |
| Jefferson County Washington | 1 | $ 132,000 | $ 132,000 | $ 74,000 |
| King County Washington | 1 | $ 374,000 | $ 374,000 | $ 136,000 |
| Pierce County Washington | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Kenosha County Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 31,000 |
| Milwaukee County Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 45,000 |
| Racine County Wisconsin | 1 | $ 294,000 | $ 294,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for First Bank in 2012
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 | 3,249 | $627,846,000 | $193,000 | $2,590,000 | $88,000 | $1,559,000 |
| Home Purchase | 988 | $163,251,000 | $165,000 | $4,700,000 | $79,000 | $851,000 |
| Home Improvement | 275 | $34,500,000 | $125,000 | $568,000 | $82,000 | $820,000 |
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 | 3,627 | $627,013,000 | $172,000 | $1,800,000 | $86,000 | $1,559,000 |
| Not Provided | 382 | $86,006,000 | $225,000 | $2,590,000 | $85,000 | $720,000 |
| Asian | 206 | $49,135,000 | $238,000 | $878,000 | $97,000 | $355,000 |
| Hispanic | 162 | $36,680,000 | $226,000 | $1,001,000 | $88,000 | $515,000 |
| Black or African American | 110 | $15,409,000 | $140,000 | $450,000 | $65,000 | $324,000 |
| Not applicable | 13 | $8,375,000 | $644,000 | $4,700,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,712,000 | $271,000 | $417,000 | $114,000 | $211,000 |
| American Indian or Alaskan Native | 2 | $267,000 | $133,000 | $183,000 | $56,000 | $79,000 |
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) | 3,842 | $718,039,000 | $186,000 | $4,700,000 | $92,000 | $1,559,000 |
| FHA-insured (Federal Housing Administration) | 397 | $60,866,000 | $153,000 | $722,000 | $56,000 | $414,000 |
| VA-guaranteed (Veterans Administration) | 193 | $38,916,000 | $201,000 | $568,000 | $30,000 | $248,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $7,776,000 | $97,000 | $248,000 | $41,000 | $222,000 |
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 | 3,086 | $548,623,000 | $177,000 | $4,700,000 | $87,000 | $1,559,000 |
| Application Denied By Financial Institution | 690 | $137,999,000 | $199,000 | $1,500,000 | $80,000 | $808,000 |
| Application Approved But Not Accepted | 260 | $47,313,000 | $181,000 | $675,000 | $87,000 | $417,000 |
| Application Withdrawn By Applicant | 248 | $43,525,000 | $175,000 | $927,000 | $92,000 | $750,000 |
| File Closed For Incompleteness | 171 | $37,905,000 | $221,000 | $2,590,000 | $90,000 | $720,000 |
| Preapproval Denied by Financial Institution | 57 | $10,232,000 | $179,000 | $570,000 | $62,000 | $186,000 |
| 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 | 252 | $59,007,000 | $234,000 | $1,500,000 | $65,000 | $808,000 |
| Collateral | 249 | $48,559,000 | $195,000 | $1,286,000 | $93,000 | $416,000 |
| Credit History | 126 | $17,480,000 | $138,000 | $722,000 | $70,000 | $264,000 |
| Other | 69 | $13,859,000 | $200,000 | $925,000 | $99,000 | $467,000 |
| Employment History | 24 | $3,916,000 | $163,000 | $598,000 | $57,000 | $180,000 |
| Unverifiable Information | 14 | $3,125,000 | $223,000 | $681,000 | $82,000 | $288,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,860,000 | $169,000 | $358,000 | $81,000 | $210,000 |
| Mortgage Insurance Denied | 1 | $385,000 | $385,000 | $385,000 | $76,000 | $76,000 |
| Credit Application Incomplete | 1 | $40,000 | $40,000 | $40,000 | $44,000 | $44,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2012 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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