First Bank Mortgage Lending & HMDA Data, 2013

In 2013, First Bank of Saint Louis, MO reported 2,919 mortgage applications totaling $601.8 million, down 35% from 2012. The average application was for $206,170, and applicants reported an average income of $92,683. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were St. Louis, MO-IL (1,300), Los Angeles-Long Beach-Glendale, CA (183) and Sacramento--Arden-Arcade--Roseville, CA (131) (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 2,919
Total Mortgage Loan Application Amount $601,813,000
Average Mortgage Loan Application Amount $206,170
Highest Mortgage Loan Application Amount $9,000,000
Average Applicant Income $92,683
Highest Applicant Income $2,546,000

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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

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 361 $ 61,683,000 $ 170,867 $ 90,000
St. Charles, Missouri 244 $ 38,094,000 $ 156,122 $ 82,000
Los Angeles, California 183 $ 64,085,000 $ 350,191 $ 142,000
St. Clair, Illinois 114 $ 15,021,000 $ 131,763 $ 85,000
Orange, California 104 $ 41,468,000 $ 398,730 $ 145,000
St. Francois, Missouri 104 $ 11,521,000 $ 110,778 $ 52,000
St. Louis City, Missouri 90 $ 12,504,000 $ 138,933 $ 96,000
Clinton, Illinois 84 $ 10,595,000 $ 126,130 $ 77,000
San Diego, California 81 $ 19,346,000 $ 238,839 $ 101,000
Jefferson, Missouri 78 $ 10,148,000 $ 130,102 $ 57,000
Solano, California 73 $ 17,049,000 $ 233,547 $ 86,000
Riverside, California 72 $ 13,921,000 $ 193,347 $ 96,000
Sacramento, California 70 $ 17,411,000 $ 248,728 $ 109,000
Franklin, Missouri 64 $ 7,612,000 $ 118,937 $ 63,000
Warren, Missouri 55 $ 6,377,000 $ 115,945 $ 73,000
Madison, Illinois 52 $ 5,098,000 $ 98,038 $ 63,000
Randolph, Illinois 51 $ 5,990,000 $ 117,450 $ 67,000
Jersey, Illinois 47 $ 4,535,000 $ 96,489 $ 59,000
Gasconade, Missouri 47 $ 4,727,000 $ 100,574 $ 52,000
Contra Costa, California 46 $ 13,140,000 $ 285,652 $ 90,000
Placer, California 46 $ 10,775,000 $ 234,239 $ 95,000
Lincoln, Missouri 38 $ 5,144,000 $ 135,368 $ 58,000
Santa Clara, California 37 $ 15,797,000 $ 426,945 $ 121,000
Manatee, Florida 37 $ 4,074,000 $ 110,108 $ 68,000
Monroe, Illinois 36 $ 4,913,000 $ 136,472 $ 80,000
Santa Barbara, California 31 $ 8,757,000 $ 282,483 $ 136,000
Ste. Genevieve, Missouri 31 $ 3,344,000 $ 107,870 $ 70,000
Ventura, California 29 $ 9,964,000 $ 343,586 $ 103,000
Alameda, California 27 $ 18,094,000 $ 670,148 $ 172,000
San Francisco, California 22 $ 10,959,000 $ 498,136 $ 185,000
Cook, Illinois 22 $ 3,579,000 $ 162,681 $ 106,000
San Bernardino, California 21 $ 5,246,000 $ 249,809 $ 84,000
Marion, Illinois 19 $ 1,723,000 $ 90,684 $ 127,000
Montgomery, Missouri 19 $ 2,390,000 $ 125,789 $ 64,000
Fayette, Illinois 18 $ 1,576,000 $ 87,555 $ 73,000
Bond, Illinois 17 $ 1,654,000 $ 97,294 $ 70,000
San Mateo, California 16 $ 6,751,000 $ 421,937 $ 162,000
Baldwin, Alabama 15 $ 3,672,000 $ 244,800 $ 188,000
Franklin, Illinois 15 $ 1,080,000 $ 72,000 $ 51,000
Jackson, Illinois 13 $ 855,000 $ 65,769 $ 79,000
Marin, California 11 $ 11,593,000 $ 1,053,909 $ 115,000
Pinellas, Florida 11 $ 2,129,000 $ 193,545 $ 105,000
Macoupin, Illinois 10 $ 680,000 $ 68,000 $ 56,000
Camden, Missouri 10 $ 1,726,000 $ 172,600 $ 126,000
Washington, Missouri 10 $ 973,000 $ 97,300 $ 45,000
El Dorado, California 9 $ 1,420,000 $ 157,777 $ 101,000
Williamson, Illinois 9 $ 866,000 $ 96,222 $ 59,000
Madison, Missouri 8 $ 755,000 $ 94,375 $ 61,000
Kern, California 7 $ 878,000 $ 125,428 $ 64,000
Napa, California 7 $ 2,028,000 $ 289,714 $ 107,000
Maricopa, Arizona 6 $ 13,393,000 $ 2,232,166 $ 59,000
Yolo, California 6 $ 1,575,000 $ 262,500 $ 78,000
Hillsborough, Florida 6 $ 1,078,000 $ 179,666 $ 35,000
Knox, Illinois 6 $ 589,000 $ 98,166 $ 51,000
Harris, Texas 6 $ 761,000 $ 126,833 $ 78,000
Montgomery, Texas 5 $ 829,000 $ 165,800 $ 133,000
San Joaquin, California 4 $ 856,000 $ 214,000 $ 70,000
Santa Cruz, California 4 $ 1,518,000 $ 379,500 $ 126,000
Sonoma, California 4 $ 1,360,000 $ 340,000 $ 243,000
El Paso, Colorado 4 $ 816,000 $ 204,000 $ 69,000
Lake, Illinois 4 $ 645,000 $ 161,250 $ 122,000
Peoria, Illinois 4 $ 458,000 $ 114,500 $ 60,000
Lee, Florida 3 $ 1,200,000 $ 400,000 $ 133,000
Sarasota, Florida 3 $ 818,000 $ 272,666 $ 209,000
Adams, Illinois 3 $ 359,000 $ 119,666 $ 45,000
DuPage, Illinois 3 $ 485,000 $ 161,666 $ 68,000
Fulton, Illinois 3 $ 159,000 $ 53,000 $ 38,000
Tazewell, Illinois 3 $ 486,000 $ 162,000 $ 71,000
Johnson, Kansas 3 $ 453,000 $ 151,000 $ 147,000
Iron, Missouri 3 $ 258,000 $ 86,000 $ 43,000
Pike, Missouri 3 $ 501,000 $ 167,000 $ 55,000
Tillamook, Oregon 3 $ 1,251,000 $ 417,000 $ 202,000
Fort Bend, Texas 3 $ 393,000 $ 131,000 $ 73,000
Dane, Wisconsin 3 $ 258,000 $ 86,000 $ 125,000
Fresno, California 2 $ 720,000 $ 360,000 $ 135,000
Inyo, California 2 $ 500,000 $ 250,000 $ 93,000
San Luis Obispo, California 2 $ 550,000 $ 275,000 $ 119,000
Yuba, California 2 $ 216,000 $ 108,000 $ 39,000
Denver, Colorado 2 $ 303,000 $ 151,500 $ 52,000
Miami-Dade, Florida 2 $ 254,000 $ 127,000 $ 41,000
Pasco, Florida 2 $ 221,000 $ 110,500 $ 28,000
St. Johns, Florida 2 $ 622,000 $ 311,000 $ 236,000
Volusia, Florida 2 $ 418,000 $ 209,000 $ 185,000
Cobb, Georgia 2 $ 500,000 $ 250,000 $ 124,000
Fulton, Georgia 2 $ 558,000 $ 279,000 $ 425,000
Greene, Illinois 2 $ 120,000 $ 60,000 $ 74,000
Kane, Illinois 2 $ 498,000 $ 249,000 $ 110,000
Mason, Illinois 2 $ 170,000 $ 85,000 $ 40,000
McDonough, Illinois 2 $ 208,000 $ 104,000 $ 90,000
Sangamon, Illinois 2 $ 146,000 $ 73,000 $ 90,000
Will, Illinois 2 $ 532,000 $ 266,000 $ 398,000
Audrain, Missouri 2 $ 104,000 $ 52,000 $ 38,000
Callaway, Missouri 2 $ 249,000 $ 124,500 $ 25,000
Cape Girardeau, Missouri 2 $ 346,000 $ 173,000 $ 21,000
Crawford, Missouri 2 $ 159,000 $ 79,500 $ 33,000
Dent, Missouri 2 $ 228,000 $ 114,000 $ 57,000
Maries, Missouri 2 $ 169,000 $ 84,500 $ 43,000
Perry, Missouri 2 $ 319,000 $ 159,500 $ 347,000
Ray, Missouri 2 $ 198,000 $ 99,000 $ 40,000
Washoe, Nevada 2 $ 463,000 $ 231,500 $ 88,000
Burke, North Carolina 2 $ 264,000 $ 132,000 $ 123,000
Liberty, Texas 2 $ 372,000 $ 186,000 $ 145,000
Tarrant, Texas 2 $ 219,000 $ 109,500 $ 53,000
Jefferson, Alabama 1 $ 198,000 $ 198,000 $ 62,000
Lauderdale, Alabama 1 $ 5,000 $ 5,000 $ 28,000
Montgomery, Alabama 1 $ 300,000 $ 300,000 $ 903,000
Butte, California 1 $ 370,000 $ 370,000 $ 153,000
Calaveras, California 1 $ 73,000 $ 73,000 $ 89,000
Colusa, California 1 $ 229,000 $ 229,000 $ 37,000
Imperial, California 1 $ 265,000 $ 265,000 $ 167,000
Lake, California 1 $ 77,000 $ 77,000 $ 42,000
Monterey, California 1 $ 380,000 $ 380,000 $ 116,000
San Benito, California 1 $ 377,000 $ 377,000 $ 145,000
Shasta, California 1 $ 450,000 $ 450,000 $ 317,000
Siskiyou, California 1 $ 95,000 $ 95,000 $ 122,000
Stanislaus, California 1 $ 88,000 $ 88,000 $ 86,000
Arapahoe, Colorado 1 $ 150,000 $ 150,000 $ 32,000
Routt, Colorado 1 $ 1,200,000 $ 1,200,000 $ 433,000
New Haven, Connecticut 1 $ 40,000 $ 40,000 $ 69,000
Brevard, Florida 1 $ 67,000 $ 67,000 $ 180,000
Charlotte, Florida 1 $ 259,000 $ 259,000 $ 76,000
Flagler, Florida 1 $ 116,000 $ 116,000 $ 92,000
Martin, Florida 1 $ 56,000 $ 56,000 $ 70,000
Monroe, Florida 1 $ 138,000 $ 138,000 $ 143,000
Orange, Florida 1 $ 143,000 $ 143,000 $ 88,000
Palm Beach, Florida 1 $ 950,000 $ 950,000 $ 633,000
Polk, Florida 1 $ 154,000 $ 154,000 $ 48,000
Chatham, Georgia 1 $ 146,000 $ 146,000 $ 44,000
Cherokee, Georgia 1 $ 417,000 $ 417,000 $ 102,000
Gwinnett, Georgia 1 $ 160,000 $ 160,000 $ 75,000
Ada, Idaho 1 $ 136,000 $ 136,000 $ 172,000
Clearwater, Idaho 1 $ 265,000 $ 265,000 $ 97,000
Alexander, Illinois 1 $ 9,000 $ 9,000 $ 52,000
Effingham, Illinois 1 $ 67,000 $ 67,000 $ 109,000
Johnson, Illinois 1 $ 97,000 $ 97,000 $ 89,000
Lawrence, Illinois 1 $ 54,000 $ 54,000 $ 0
McHenry, Illinois 1 $ 50,000 $ 50,000 $ 111,000
McLean, Illinois 1 $ 207,000 $ 207,000 $ 183,000
Richland, Illinois 1 $ 101,000 $ 101,000 $ 93,000
Schuyler, Illinois 1 $ 99,000 $ 99,000 $ 99,000
Scott, Illinois 1 $ 55,000 $ 55,000 $ 59,000
Shelby, Illinois 1 $ 207,000 $ 207,000 $ 80,000
Union, Illinois 1 $ 127,000 $ 127,000 $ 47,000
Warren, Illinois 1 $ 72,000 $ 72,000 $ 88,000
Washington, Illinois 1 $ 120,000 $ 120,000 $ 100,000
Whiteside, Illinois 1 $ 73,000 $ 73,000 $ 39,000
Elkhart, Indiana 1 $ 72,000 $ 72,000 $ 24,000
Marion, Iowa 1 $ 80,000 $ 80,000 $ 79,000
Osage, Kansas 1 $ 182,000 $ 182,000 $ 53,000
Anderson, Kentucky 1 $ 109,000 $ 109,000 $ 63,000
Jefferson, Kentucky 1 $ 107,000 $ 107,000 $ 102,000
Middlesex, Massachusetts 1 $ 223,000 $ 223,000 $ 60,000
Barry, Michigan 1 $ 70,000 $ 70,000 $ 64,000
Saginaw, Michigan 1 $ 140,000 $ 140,000 $ 81,000
Hennepin, Minnesota 1 $ 194,000 $ 194,000 $ 90,000
Ramsey, Minnesota 1 $ 167,000 $ 167,000 $ 34,000
Wright, Minnesota 1 $ 149,000 $ 149,000 $ 0
Oktibbeha, Mississippi 1 $ 209,000 $ 209,000 $ 128,000
Bollinger, Missouri 1 $ 171,000 $ 171,000 $ 143,000
Boone, Missouri 1 $ 95,000 $ 95,000 $ 115,000
Christian, Missouri 1 $ 56,000 $ 56,000 $ 37,000
Clay, Missouri 1 $ 127,000 $ 127,000 $ 54,000
Greene, Missouri 1 $ 202,000 $ 202,000 $ 59,000
Howell, Missouri 1 $ 169,000 $ 169,000 $ 44,000
Johnson, Missouri 1 $ 136,000 $ 136,000 $ 147,000
Marion, Missouri 1 $ 73,000 $ 73,000 $ 65,000
Monroe, Missouri 1 $ 74,000 $ 74,000 $ 134,000
Ralls, Missouri 1 $ 116,000 $ 116,000 $ 41,000
Shannon, Missouri 1 $ 99,000 $ 99,000 $ 43,000
Stoddard, Missouri 1 $ 50,000 $ 50,000 $ 21,000
Stone, Missouri 1 $ 206,000 $ 206,000 $ 56,000
Wayne, Missouri 1 $ 86,000 $ 86,000 $ 116,000
Clark, Nevada 1 $ 6,000,000 $ 6,000,000 $ 0
Merrimack, New Hampshire 1 $ 167,000 $ 167,000 $ 37,000
Luna, New Mexico 1 $ 87,000 $ 87,000 $ 288,000
Niagara, New York 1 $ 158,000 $ 158,000 $ 70,000
Wake, North Carolina 1 $ 288,000 $ 288,000 $ 72,000
Butler, Ohio 1 $ 124,000 $ 124,000 $ 52,000
Mahoning, Ohio 1 $ 106,000 $ 106,000 $ 36,000
Curry, Oregon 1 $ 124,000 $ 124,000 $ 30,000
Newport, Rhode Island 1 $ 62,000 $ 62,000 $ 20,000
Anderson, South Carolina 1 $ 135,000 $ 135,000 $ 402,000
Campbell, Tennessee 1 $ 417,000 $ 417,000 $ 69,000
Coffee, Tennessee 1 $ 139,000 $ 139,000 $ 78,000
Davidson, Tennessee 1 $ 140,000 $ 140,000 $ 80,000
Shelby, Tennessee 1 $ 73,000 $ 73,000 $ 43,000
Brazoria, Texas 1 $ 121,000 $ 121,000 $ 99,000
Collin, Texas 1 $ 385,000 $ 385,000 $ 126,000
Houston, Texas 1 $ 155,000 $ 155,000 $ 53,000
Washington, Texas 1 $ 125,000 $ 125,000 $ 88,000
Door, Wisconsin 1 $ 208,000 $ 208,000 $ 54,000
Kenosha, Wisconsin 1 $ 122,000 $ 122,000 $ 64,000

Mortgage Loan Application Detail Totals for First Bank in 2013

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 1,673 $358,828,000 $214,000 $7,750,000 $96,000 $2,531,000
Home Purchase 1,001 $216,051,000 $215,000 $9,000,000 $90,000 $2,546,000
Home Improvement 245 $26,934,000 $109,000 $1,100,000 $81,000 $355,000

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 2,133 $382,045,000 $179,000 $2,430,000 $91,000 $2,546,000
Not Provided 285 $60,294,000 $211,000 $1,515,000 $100,000 $945,000
Asian 200 $67,551,000 $337,000 $1,755,000 $120,000 $385,000
Hispanic 167 $36,798,000 $220,000 $975,000 $85,000 $1,025,000
Black or African American 99 $13,902,000 $140,000 $467,000 $82,000 $903,000
Not applicable 16 $37,662,000 $2,353,000 $9,000,000 $0 $0
Native Hawaiian or Other Pacific Islander 11 $2,695,000 $245,000 $518,000 $91,000 $158,000
American Indian or Alaskan Native 8 $866,000 $108,000 $169,000 $66,000 $136,000

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) 2,415 $519,879,000 $215,000 $9,000,000 $101,000 $2,546,000
FHA-insured (Federal Housing Administration) 316 $49,315,000 $156,000 $729,000 $56,000 $402,000
VA-guaranteed (Veterans Administration) 120 $24,436,000 $203,000 $546,000 $48,000 $202,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 68 $8,183,000 $120,000 $1,172,000 $38,000 $70,000

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 1,882 $385,731,000 $204,000 $9,000,000 $94,000 $2,531,000
Application Denied By Financial Institution 522 $99,733,000 $191,000 $1,800,000 $81,000 $2,546,000
Application Approved But Not Accepted 217 $44,494,000 $205,000 $1,000,000 $99,000 $720,000
Application Withdrawn By Applicant 186 $42,487,000 $228,000 $2,430,000 $106,000 $1,099,000
File Closed For Incompleteness 56 $12,540,000 $223,000 $898,000 $87,000 $541,000
Preapproval Denied by Financial Institution 56 $16,828,000 $300,000 $1,125,000 $76,000 $288,000
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 182 $45,780,000 $251,000 $1,800,000 $59,000 $328,000
Collateral 147 $25,102,000 $170,000 $1,200,000 $107,000 $2,546,000
Credit History 127 $20,704,000 $163,000 $1,100,000 $86,000 $945,000
Other 66 $12,907,000 $195,000 $1,106,000 $81,000 $288,000
Employment History 30 $4,483,000 $149,000 $625,000 $50,000 $175,000
Insufficient Cash (Downpayment, Closing Cost) 11 $3,013,000 $273,000 $852,000 $82,000 $191,000
Unverifiable Information 11 $2,931,000 $266,000 $1,316,000 $73,000 $197,000
Credit Application Incomplete 3 $1,495,000 $498,000 $1,125,000 $122,000 $208,000
Mortgage Insurance Denied 1 $146,000 $146,000 $146,000 $57,000 $57,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2013 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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