First Bank Mortgage Lending & HMDA Data, 2015

In 2015, First Bank of Saint Louis, MO reported 2,807 mortgage applications totaling $858.6 million, up 27% from 2014. The average application was for $305,877, and applicants reported an average income of $118,687. 67% of its applications resulted in an originated loan and 14% were denied. Its largest markets were St. Louis, MO-IL (983), Los Angeles-Long Beach-Glendale, CA (246) and Riverside-San Bernardino-Ontario, CA (138) (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
Years 2025  2024  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 2,807
Total Mortgage Loan Application Amount $858,598,000
Average Mortgage Loan Application Amount $305,877
Highest Mortgage Loan Application Amount $16,000,000
Average Applicant Income $118,687
Highest Applicant Income $3,529,000

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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

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 329 $ 96,814,000 $ 294,267 $ 107,000
Los Angeles, California 246 $ 148,150,000 $ 602,235 $ 236,000
St. Charles, Missouri 203 $ 32,871,000 $ 161,926 $ 78,000
St. Francois, Missouri 147 $ 16,611,000 $ 113,000 $ 54,000
Riverside, California 98 $ 39,271,000 $ 400,724 $ 113,000
Santa Clara, California 96 $ 47,156,000 $ 491,208 $ 153,000
Orange, California 81 $ 34,675,000 $ 428,086 $ 146,000
Jefferson, Missouri 76 $ 11,848,000 $ 155,894 $ 74,000
St. Louis City, Missouri 76 $ 11,858,000 $ 156,026 $ 87,000
St. Clair, Illinois 73 $ 8,169,000 $ 111,904 $ 68,000
San Mateo, California 67 $ 44,549,000 $ 664,910 $ 184,000
San Diego, California 66 $ 26,815,000 $ 406,287 $ 156,000
Solano, California 63 $ 15,981,000 $ 253,666 $ 105,000
Contra Costa, California 53 $ 21,957,000 $ 414,283 $ 123,000
Alameda, California 47 $ 26,657,000 $ 567,170 $ 183,000
Sonoma, California 44 $ 17,193,000 $ 390,750 $ 133,000
San Bernardino, California 40 $ 8,922,000 $ 223,050 $ 107,000
Santa Barbara, California 40 $ 16,543,000 $ 413,575 $ 146,000
Franklin, Missouri 40 $ 4,671,000 $ 116,775 $ 59,000
Ventura, California 38 $ 15,467,000 $ 407,026 $ 136,000
Madison, Illinois 36 $ 4,763,000 $ 132,305 $ 66,000
Warren, Missouri 36 $ 4,443,000 $ 123,416 $ 72,000
Gasconade, Missouri 31 $ 3,769,000 $ 121,580 $ 59,000
Montgomery, Missouri 30 $ 3,316,000 $ 110,533 $ 53,000
Manatee, Florida 29 $ 3,459,000 $ 119,275 $ 67,000
Monroe, Illinois 28 $ 3,795,000 $ 135,535 $ 71,000
Washington, Missouri 28 $ 3,151,000 $ 112,535 $ 53,000
Sacramento, California 26 $ 6,168,000 $ 237,230 $ 91,000
Clinton, Illinois 26 $ 3,070,000 $ 118,076 $ 65,000
Ste. Genevieve, Missouri 26 $ 2,846,000 $ 109,461 $ 46,000
Randolph, Illinois 25 $ 2,431,000 $ 97,240 $ 61,000
San Francisco, California 23 $ 13,101,000 $ 569,608 $ 237,000
Lee, Florida 23 $ 4,107,000 $ 178,565 $ 81,000
Jersey, Illinois 23 $ 2,236,000 $ 97,217 $ 61,000
Placer, California 19 $ 4,703,000 $ 247,526 $ 131,000
San Joaquin, California 19 $ 5,209,000 $ 274,157 $ 102,000
Lincoln, Missouri 15 $ 1,917,000 $ 127,800 $ 51,000
Bond, Illinois 12 $ 1,532,000 $ 127,666 $ 60,000
Marion, Illinois 12 $ 486,000 $ 40,500 $ 47,000
Monterey, California 10 $ 5,418,000 $ 541,800 $ 179,000
Marin, California 9 $ 3,877,000 $ 430,777 $ 130,000
Merced, California 9 $ 1,818,000 $ 202,000 $ 89,000
Camden, Missouri 9 $ 1,631,000 $ 181,222 $ 145,000
Napa, California 8 $ 3,648,000 $ 456,000 $ 128,000
Stanislaus, California 8 $ 1,790,000 $ 223,750 $ 86,000
Baldwin, Alabama 7 $ 2,431,000 $ 347,285 $ 176,000
Kern, California 7 $ 1,253,000 $ 179,000 $ 75,000
San Luis Obispo, California 7 $ 2,655,000 $ 379,285 $ 149,000
Pinellas, Florida 7 $ 1,446,000 $ 206,571 $ 92,000
Fayette, Illinois 7 $ 667,000 $ 95,285 $ 57,000
Franklin, Illinois 7 $ 702,000 $ 100,285 $ 36,000
Macoupin, Illinois 7 $ 3,284,000 $ 469,142 $ 506,000
Harris, Texas 7 $ 619,000 $ 88,428 $ 75,000
Cook, Illinois 6 $ 1,166,000 $ 194,333 $ 86,000
Jackson, Illinois 6 $ 512,000 $ 85,333 $ 51,000
Peoria, Illinois 6 $ 927,000 $ 154,500 $ 97,000
Williamson, Illinois 6 $ 562,000 $ 93,666 $ 64,000
Maricopa, Arizona 5 $ 1,264,000 $ 252,800 $ 123,000
Sarasota, Florida 5 $ 697,000 $ 139,400 $ 75,000
Clark, Nevada 5 $ 1,029,000 $ 205,800 $ 64,000
El Dorado, California 4 $ 911,000 $ 227,750 $ 74,000
Fresno, California 4 $ 693,000 $ 173,250 $ 139,000
Nevada, California 4 $ 1,127,000 $ 281,750 $ 288,000
Santa Cruz, California 4 $ 1,468,000 $ 367,000 $ 146,000
Adams, Illinois 4 $ 797,000 $ 199,250 $ 90,000
Madison, Missouri 4 $ 383,000 $ 95,750 $ 40,000
Washoe, Nevada 4 $ 6,668,000 $ 1,667,000 $ 1,331,000
Denton, Texas 4 $ 1,145,000 $ 286,250 $ 110,000
Travis, Texas 4 $ 977,000 $ 244,250 $ 118,000
Butte, California 3 $ 578,000 $ 192,666 $ 401,000
Brevard, Florida 3 $ 496,000 $ 165,333 $ 56,000
Okaloosa, Florida 3 $ 248,000 $ 82,666 $ 77,000
Palm Beach, Florida 3 $ 765,000 $ 255,000 $ 106,000
Calhoun, Illinois 3 $ 518,000 $ 172,666 $ 81,000
Greene, Illinois 3 $ 256,000 $ 85,333 $ 50,000
Knox, Illinois 3 $ 176,000 $ 58,666 $ 51,000
Cape Girardeau, Missouri 3 $ 332,000 $ 110,666 $ 42,000
Iron, Missouri 3 $ 316,000 $ 105,333 $ 38,000
Brazos, Texas 3 $ 642,000 $ 214,000 $ 950,000
Dallas, Texas 3 $ 601,000 $ 200,333 $ 87,000
Fort Bend, Texas 3 $ 657,000 $ 219,000 $ 58,000
Mohave, Arizona 2 $ 484,000 $ 242,000 $ 317,000
San Benito, California 2 $ 846,000 $ 423,000 $ 114,000
Hillsborough, Florida 2 $ 470,000 $ 235,000 $ 91,000
St. Lucie, Florida 2 $ 250,000 $ 125,000 $ 86,000
Perry, Illinois 2 $ 223,000 $ 111,500 $ 71,000
St. Joseph, Indiana 2 $ 207,000 $ 103,500 $ 267,000
Johnson, Kansas 2 $ 244,000 $ 122,000 $ 51,000
Callaway, Missouri 2 $ 275,000 $ 137,500 $ 59,000
Cass, Missouri 2 $ 299,000 $ 149,500 $ 84,000
Jackson, Missouri 2 $ 368,000 $ 184,000 $ 107,000
Monroe, Missouri 2 $ 189,000 $ 94,500 $ 27,000
Morgan, Missouri 2 $ 244,000 $ 122,000 $ 51,000
Reynolds, Missouri 2 $ 143,000 $ 71,500 $ 58,000
Sevier, Tennessee 2 $ 747,000 $ 373,500 $ 163,000
El Paso, Texas 2 $ 167,000 $ 83,500 $ 159,000
Galveston, Texas 2 $ 229,000 $ 114,500 $ 83,000
Williamson, Texas 2 $ 264,000 $ 132,000 $ 128,000
Salt Lake, Utah 2 $ 576,000 $ 288,000 $ 97,000
King, Washington 2 $ 883,000 $ 441,500 $ 279,000
Elmore, Alabama 1 $ 217,000 $ 217,000 $ 85,000
Yavapai, Arizona 1 $ 200,000 $ 200,000 $ 25,000
Lonoke, Arkansas 1 $ 152,000 $ 152,000 $ 40,000
Amador, California 1 $ 210,000 $ 210,000 $ 66,000
Calaveras, California 1 $ 374,000 $ 374,000 $ 158,000
Humboldt, California 1 $ 175,000 $ 175,000 $ 62,000
Inyo, California 1 $ 200,000 $ 200,000 $ 147,000
Mendocino, California 1 $ 247,000 $ 247,000 $ 72,000
Mono, California 1 $ 634,000 $ 634,000 $ 923,000
Yolo, California 1 $ 372,000 $ 372,000 $ 38,000
Adams, Colorado 1 $ 191,000 $ 191,000 $ 63,000
Denver, Colorado 1 $ 269,000 $ 269,000 $ 84,000
Rio Blanco, Colorado 1 $ 145,000 $ 145,000 $ 57,000
Routt, Colorado 1 $ 1,000,000 $ 1,000,000 $ 686,000
Bay, Florida 1 $ 249,000 $ 249,000 $ 110,000
Broward, Florida 1 $ 600,000 $ 600,000 $ 202,000
Collier, Florida 1 $ 225,000 $ 225,000 $ 0
Gilchrist, Florida 1 $ 147,000 $ 147,000 $ 70,000
Marion, Florida 1 $ 3,460,000 $ 3,460,000 $ 0
St. Johns, Florida 1 $ 210,000 $ 210,000 $ 72,000
Glynn, Georgia 1 $ 279,000 $ 279,000 $ 86,000
Houston, Georgia 1 $ 247,000 $ 247,000 $ 0
Rabun, Georgia 1 $ 167,000 $ 167,000 $ 125,000
Bonner, Idaho 1 $ 175,000 $ 175,000 $ 101,000
Alexander, Illinois 1 $ 248,000 $ 248,000 $ 91,000
Champaign, Illinois 1 $ 78,000 $ 78,000 $ 32,000
Christian, Illinois 1 $ 60,000 $ 60,000 $ 98,000
DuPage, Illinois 1 $ 259,000 $ 259,000 $ 102,000
Lake, Illinois 1 $ 324,000 $ 324,000 $ 114,000
Lawrence, Illinois 1 $ 104,000 $ 104,000 $ 100,000
Macon, Illinois 1 $ 120,000 $ 120,000 $ 50,000
McLean, Illinois 1 $ 332,000 $ 332,000 $ 276,000
Montgomery, Illinois 1 $ 41,000 $ 41,000 $ 81,000
Sangamon, Illinois 1 $ 120,000 $ 120,000 $ 99,000
Union, Illinois 1 $ 10,000 $ 10,000 $ 78,000
Washington, Illinois 1 $ 93,000 $ 93,000 $ 54,000
Hamilton, Indiana 1 $ 113,000 $ 113,000 $ 139,000
Johnson, Indiana 1 $ 110,000 $ 110,000 $ 35,000
Vanderburgh, Indiana 1 $ 113,000 $ 113,000 $ 112,000
Fayette, Kentucky 1 $ 14,500,000 $ 14,500,000 $ 0
Marshall, Kentucky 1 $ 164,000 $ 164,000 $ 116,000
Oakland, Michigan 1 $ 119,000 $ 119,000 $ 72,000
Ottawa, Michigan 1 $ 600,000 $ 600,000 $ 0
Sanilac, Michigan 1 $ 64,000 $ 64,000 $ 69,000
Lafayette, Mississippi 1 $ 132,000 $ 132,000 $ 0
Rankin, Mississippi 1 $ 244,000 $ 244,000 $ 78,000
Audrain, Missouri 1 $ 15,000 $ 15,000 $ 11,000
Bollinger, Missouri 1 $ 106,000 $ 106,000 $ 92,000
Boone, Missouri 1 $ 158,000 $ 158,000 $ 123,000
Crawford, Missouri 1 $ 310,000 $ 310,000 $ 101,000
Dent, Missouri 1 $ 87,000 $ 87,000 $ 21,000
Miller, Missouri 1 $ 132,000 $ 132,000 $ 104,000
Newton, Missouri 1 $ 219,000 $ 219,000 $ 113,000
Ralls, Missouri 1 $ 127,000 $ 127,000 $ 59,000
Randolph, Missouri 1 $ 79,000 $ 79,000 $ 123,000
Missoula, Montana 1 $ 238,000 $ 238,000 $ 103,000
Seward, Nebraska 1 $ 260,000 $ 260,000 $ 73,000
Union, New Jersey 1 $ 315,000 $ 315,000 $ 96,000
Rockland, New York 1 $ 131,000 $ 131,000 $ 78,000
Westchester, New York 1 $ 479,000 $ 479,000 $ 205,000
Mecklenburg, North Carolina 1 $ 69,000 $ 69,000 $ 287,000
Summit, Ohio 1 $ 214,000 $ 214,000 $ 57,000
Oklahoma, Oklahoma 1 $ 172,000 $ 172,000 $ 204,000
Rogers, Oklahoma 1 $ 196,000 $ 196,000 $ 151,000
Tulsa, Oklahoma 1 $ 185,000 $ 185,000 $ 82,000
Deschutes, Oregon 1 $ 270,000 $ 270,000 $ 126,000
Multnomah, Oregon 1 $ 388,000 $ 388,000 $ 130,000
Washington, Oregon 1 $ 247,000 $ 247,000 $ 79,000
Providence, Rhode Island 1 $ 50,000 $ 50,000 $ 376,000
Anderson, South Carolina 1 $ 134,000 $ 134,000 $ 0
Beaufort, South Carolina 1 $ 279,000 $ 279,000 $ 73,000
Campbell, Tennessee 1 $ 410,000 $ 410,000 $ 0
Monroe, Tennessee 1 $ 417,000 $ 417,000 $ 282,000
Shelby, Tennessee 1 $ 326,000 $ 326,000 $ 266,000
Washington, Tennessee 1 $ 388,000 $ 388,000 $ 175,000
Bexar, Texas 1 $ 57,000 $ 57,000 $ 129,000
Harrison, Texas 1 $ 68,000 $ 68,000 $ 63,000
Waller, Texas 1 $ 121,000 $ 121,000 $ 121,000
Utah, Utah 1 $ 189,000 $ 189,000 $ 115,000
Weber, Utah 1 $ 242,000 $ 242,000 $ 228,000
Richmond City, Virginia 1 $ 352,000 $ 352,000 $ 185,000
Kitsap, Washington 1 $ 200,000 $ 200,000 $ 97,000
Skagit, Washington 1 $ 704,000 $ 704,000 $ 260,000
Thurston, Washington 1 $ 8,600,000 $ 8,600,000 $ 0
Waukesha, Wisconsin 1 $ 164,000 $ 164,000 $ 63,000

Mortgage Loan Application Detail Totals for First Bank in 2015

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 1,310 $446,021,000 $340,000 $16,000,000 $136,000 $3,529,000
Home Purchase 1,278 $370,884,000 $290,000 $14,500,000 $105,000 $2,035,000
Home Improvement 219 $41,693,000 $190,000 $3,460,000 $95,000 $874,000

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 1,976 $485,049,000 $245,000 $4,750,000 $114,000 $3,267,000
Hispanic 273 $87,178,000 $319,000 $1,271,000 $98,000 $583,000
Asian 230 $101,975,000 $443,000 $2,474,000 $172,000 $2,035,000
Not Provided 187 $68,295,000 $365,000 $4,960,000 $148,000 $3,529,000
Black or African American 78 $13,551,000 $173,000 $636,000 $78,000 $266,000
Native Hawaiian or Other Pacific Islander 36 $18,155,000 $504,000 $2,400,000 $163,000 $1,712,000
Not applicable 23 $83,779,000 $3,642,000 $16,000,000 $35,000 $823,000
American Indian or Alaskan Native 4 $616,000 $154,000 $224,000 $282,000 $874,000

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) 2,135 $723,829,000 $339,000 $16,000,000 $136,000 $3,529,000
FHA-insured (Federal Housing Administration) 439 $92,586,000 $210,000 $661,000 $69,000 $605,000
VA-guaranteed (Veterans Administration) 137 $31,519,000 $230,000 $835,000 $65,000 $404,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 96 $10,664,000 $111,000 $262,000 $43,000 $93,000

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 1,894 $568,644,000 $300,000 $16,000,000 $113,000 $3,529,000
Application Denied By Financial Institution 402 $124,091,000 $308,000 $4,800,000 $117,000 $2,520,000
Application Withdrawn By Applicant 234 $72,549,000 $310,000 $4,327,000 $140,000 $2,782,000
Application Approved But Not Accepted 158 $46,083,000 $291,000 $2,625,000 $125,000 $1,564,000
Preapproval Denied by Financial Institution 72 $28,449,000 $395,000 $2,400,000 $125,000 $1,712,000
File Closed For Incompleteness 46 $18,086,000 $393,000 $3,700,000 $203,000 $1,159,000
Loan Purchased By The Institution 1 $696,000 $696,000 $696,000 $823,000 $823,000
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
Debt-To-Income Ratio 162 $48,797,000 $301,000 $1,575,000 $75,000 $874,000
Collateral 101 $31,585,000 $312,000 $4,800,000 $101,000 $489,000
Credit History 94 $24,282,000 $258,000 $1,271,000 $116,000 $2,520,000
Other 51 $21,650,000 $424,000 $1,880,000 $190,000 $1,344,000
Credit Application Incomplete 38 $19,622,000 $516,000 $4,750,000 $255,000 $1,712,000
Insufficient Cash (Downpayment, Closing Cost) 12 $3,208,000 $267,000 $764,000 $130,000 $297,000
Employment History 10 $1,718,000 $171,000 $400,000 $57,000 $102,000
Unverifiable Information 6 $1,678,000 $279,000 $575,000 $206,000 $492,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2015 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.

Download the Missouri Lender List