First Bank Mortgage Lending & HMDA Data, 2016

In 2016, First Bank of Saint Louis, MO reported 2,917 mortgage applications totaling $966.2 million, up 4% from 2015. The average application was for $331,244, and applicants reported an average income of $136,424. 67% of its applications resulted in an originated loan and 11% were denied. Its largest markets were St. Louis, MO-IL (1,013), Los Angeles-Long Beach-Glendale, CA (302) and Oakland-Hayward-Berkeley, CA (155) (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 2,917
Total Mortgage Loan Application Amount $966,241,000
Average Mortgage Loan Application Amount $331,244
Highest Mortgage Loan Application Amount $15,000,000
Average Applicant Income $136,424
Highest Applicant Income $9,999,000

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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016

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 384 $ 98,455,000 $ 256,393 $ 143,000
Los Angeles, California 302 $ 182,409,000 $ 604,003 $ 218,000
St. Charles, Missouri 207 $ 37,255,000 $ 179,975 $ 90,000
Orange, California 122 $ 64,211,000 $ 526,319 $ 293,000
St. Francois, Missouri 114 $ 12,729,000 $ 111,657 $ 53,000
Riverside, California 111 $ 32,181,000 $ 289,918 $ 119,000
Solano, California 104 $ 31,093,000 $ 298,971 $ 105,000
San Mateo, California 97 $ 55,833,000 $ 575,597 $ 174,000
St. Louis City, Missouri 95 $ 14,755,000 $ 155,315 $ 88,000
Alameda, California 93 $ 46,408,000 $ 499,010 $ 154,000
San Diego, California 76 $ 36,368,000 $ 478,526 $ 183,000
Santa Barbara, California 70 $ 28,318,000 $ 404,542 $ 148,000
Contra Costa, California 62 $ 25,060,000 $ 404,193 $ 106,000
Jefferson, Missouri 56 $ 8,450,000 $ 150,892 $ 64,000
Warren, Missouri 54 $ 6,951,000 $ 128,722 $ 62,000
St. Clair, Illinois 51 $ 6,559,000 $ 128,607 $ 72,000
Sonoma, California 47 $ 23,340,000 $ 496,595 $ 179,000
Santa Clara, California 45 $ 39,406,000 $ 875,688 $ 173,000
Franklin, Missouri 45 $ 5,373,000 $ 119,400 $ 52,000
Sacramento, California 43 $ 10,990,000 $ 255,581 $ 104,000
Ventura, California 42 $ 13,823,000 $ 329,119 $ 164,000
Lincoln, Missouri 40 $ 6,994,000 $ 174,850 $ 63,000
San Francisco, California 34 $ 22,991,000 $ 676,205 $ 135,000
San Bernardino, California 33 $ 13,215,000 $ 400,454 $ 96,000
Gasconade, Missouri 29 $ 3,690,000 $ 127,241 $ 75,000
Randolph, Illinois 28 $ 3,323,000 $ 118,678 $ 65,000
Madison, Illinois 26 $ 3,664,000 $ 140,923 $ 69,000
Placer, California 23 $ 6,761,000 $ 293,956 $ 129,000
Monterey, California 19 $ 7,610,000 $ 400,526 $ 140,000
Monroe, Illinois 18 $ 2,873,000 $ 159,611 $ 87,000
Marin, California 15 $ 9,453,000 $ 630,200 $ 466,000
Clinton, Illinois 14 $ 2,024,000 $ 144,571 $ 65,000
Jersey, Illinois 14 $ 1,331,000 $ 95,071 $ 66,000
Washington, Missouri 14 $ 1,986,000 $ 141,857 $ 67,000
San Joaquin, California 13 $ 3,954,000 $ 304,153 $ 85,000
Jackson, Illinois 12 $ 705,000 $ 58,750 $ 36,000
Marion, Illinois 12 $ 949,000 $ 79,083 $ 51,000
Madison, Missouri 12 $ 1,359,000 $ 113,250 $ 47,000
Camden, Missouri 11 $ 2,401,000 $ 218,272 $ 131,000
Ste. Genevieve, Missouri 11 $ 1,689,000 $ 153,545 $ 65,000
Napa, California 10 $ 4,076,000 $ 407,600 $ 197,000
Montgomery, Missouri 9 $ 1,176,000 $ 130,666 $ 52,000
Stanislaus, California 8 $ 2,475,000 $ 309,375 $ 97,000
Franklin, Illinois 7 $ 625,000 $ 89,285 $ 71,000
Williamson, Illinois 7 $ 792,000 $ 113,142 $ 62,000
Harris, Texas 7 $ 977,000 $ 139,571 $ 66,000
El Dorado, California 6 $ 2,099,000 $ 349,833 $ 157,000
Clark, Nevada 6 $ 1,399,000 $ 233,166 $ 97,000
Maricopa, Arizona 5 $ 1,178,000 $ 235,600 $ 149,000
Yolo, California 5 $ 1,655,000 $ 331,000 $ 138,000
Bond, Illinois 5 $ 442,000 $ 88,400 $ 93,000
Fayette, Illinois 5 $ 293,000 $ 58,600 $ 34,000
Iron, Missouri 5 $ 429,000 $ 85,800 $ 47,000
Washoe, Nevada 5 $ 2,269,000 $ 453,800 $ 280,000
Baldwin, Alabama 4 $ 1,580,000 $ 395,000 $ 279,000
Kern, California 4 $ 607,000 $ 151,750 $ 81,000
San Benito, California 4 $ 1,589,000 $ 397,250 $ 202,000
Charlotte, Florida 4 $ 632,000 $ 158,000 $ 50,000
Palm Beach, Florida 4 $ 1,016,000 $ 254,000 $ 199,000
Cook, Illinois 4 $ 676,000 $ 169,000 $ 94,000
Macoupin, Illinois 4 $ 434,000 $ 108,500 $ 71,000
Crawford, Missouri 4 $ 613,000 $ 153,250 $ 86,000
Ozark, Missouri 4 $ 368,000 $ 92,000 $ 91,000
Butte, California 3 $ 481,000 $ 160,333 $ 104,000
Lake, California 3 $ 240,000 $ 80,000 $ 21,000
Santa Cruz, California 3 $ 1,096,000 $ 365,333 $ 252,000
Adams, Illinois 3 $ 398,000 $ 132,666 $ 42,000
Brazos, Texas 3 $ 627,000 $ 209,000 $ 1,507,000
Tarrant, Texas 3 $ 459,000 $ 153,000 $ 127,000
Mohave, Arizona 2 $ 701,000 $ 350,500 $ 335,000
Pima, Arizona 2 $ 418,000 $ 209,000 $ 98,000
Calaveras, California 2 $ 734,000 $ 367,000 $ 132,000
Fresno, California 2 $ 600,000 $ 300,000 $ 125,000
Imperial, California 2 $ 1,149,000 $ 574,500 $ 80,000
Kings, California 2 $ 329,000 $ 164,500 $ 63,000
Merced, California 2 $ 461,000 $ 230,500 $ 60,000
Nevada, California 2 $ 658,000 $ 329,000 $ 93,000
San Luis Obispo, California 2 $ 824,000 $ 412,000 $ 156,000
Tuolumne, California 2 $ 400,000 $ 200,000 $ 113,000
Pueblo, Colorado 2 $ 123,000 $ 61,500 $ 39,000
Escambia, Florida 2 $ 670,000 $ 335,000 $ 386,000
Flagler, Florida 2 $ 219,000 $ 109,500 $ 110,000
Manatee, Florida 2 $ 699,000 $ 349,500 $ 310,000
Knox, Illinois 2 $ 357,000 $ 178,500 $ 119,000
Perry, Illinois 2 $ 155,000 $ 77,500 $ 87,000
Sangamon, Illinois 2 $ 290,000 $ 145,000 $ 68,000
Kent, Michigan 2 $ 310,000 $ 155,000 $ 52,000
Boone, Missouri 2 $ 317,000 $ 158,500 $ 96,000
Perry, Missouri 2 $ 476,000 $ 238,000 $ 99,000
Shelby, Tennessee 2 $ 102,000 $ 51,000 $ 96,000
Bexar, Texas 2 $ 419,000 $ 209,500 $ 140,000
Brazoria, Texas 2 $ 368,000 $ 184,000 $ 116,000
Fort Bend, Texas 2 $ 628,000 $ 314,000 $ 212,000
Travis, Texas 2 $ 302,000 $ 151,000 $ 61,000
Williamson, Texas 2 $ 411,000 $ 205,500 $ 110,000
Iron, Utah 2 $ 204,000 $ 102,000 $ 198,000
King, Washington 2 $ 593,000 $ 296,500 $ 116,000
Shelby, Alabama 1 $ 375,000 $ 375,000 $ 207,000
Baxter, Arkansas 1 $ 70,000 $ 70,000 $ 119,000
Marion, Arkansas 1 $ 168,000 $ 168,000 $ 215,000
Pulaski, Arkansas 1 $ 282,000 $ 282,000 $ 148,000
Amador, California 1 $ 210,000 $ 210,000 $ 71,000
Colusa, California 1 $ 198,000 $ 198,000 $ 40,000
Arapahoe, Colorado 1 $ 296,000 $ 296,000 $ 92,000
Douglas, Colorado 1 $ 417,000 $ 417,000 $ 100,000
Elbert, Colorado 1 $ 467,000 $ 467,000 $ 118,000
Gunnison, Colorado 1 $ 424,000 $ 424,000 $ 170,000
Larimer, Colorado 1 $ 599,000 $ 599,000 $ 200,000
District of Columbia, District Of Columbia 1 $ 65,000 $ 65,000 $ 69,000
Broward, Florida 1 $ 853,000 $ 853,000 $ 1,294,000
Collier, Florida 1 $ 296,000 $ 296,000 $ 302,000
Hillsborough, Florida 1 $ 251,000 $ 251,000 $ 27,000
Monroe, Florida 1 $ 150,000 $ 150,000 $ 122,000
Pinellas, Florida 1 $ 272,000 $ 272,000 $ 121,000
Sarasota, Florida 1 $ 417,000 $ 417,000 $ 231,000
Walton, Florida 1 $ 611,000 $ 611,000 $ 189,000
Cobb, Georgia 1 $ 250,000 $ 250,000 $ 120,000
DeKalb, Georgia 1 $ 102,000 $ 102,000 $ 52,000
Forsyth, Georgia 1 $ 141,000 $ 141,000 $ 50,000
Champaign, Illinois 1 $ 65,000 $ 65,000 $ 34,000
Clark, Illinois 1 $ 162,000 $ 162,000 $ 56,000
DuPage, Illinois 1 $ 100,000 $ 100,000 $ 46,000
Greene, Illinois 1 $ 98,000 $ 98,000 $ 81,000
Henry, Illinois 1 $ 120,000 $ 120,000 $ 125,000
Kane, Illinois 1 $ 132,000 $ 132,000 $ 101,000
Kendall, Illinois 1 $ 79,000 $ 79,000 $ 27,000
LaSalle, Illinois 1 $ 122,000 $ 122,000 $ 62,000
Lee, Illinois 1 $ 166,000 $ 166,000 $ 101,000
McDonough, Illinois 1 $ 99,000 $ 99,000 $ 41,000
McHenry, Illinois 1 $ 180,000 $ 180,000 $ 97,000
Union, Illinois 1 $ 157,000 $ 157,000 $ 70,000
Whiteside, Illinois 1 $ 52,000 $ 52,000 $ 97,000
Will, Illinois 1 $ 334,000 $ 334,000 $ 95,000
Hamilton, Indiana 1 $ 166,000 $ 166,000 $ 102,000
Montgomery, Indiana 1 $ 139,000 $ 139,000 $ 133,000
Johnson, Kansas 1 $ 185,000 $ 185,000 $ 101,000
Sedgwick, Kansas 1 $ 89,000 $ 89,000 $ 53,000
Middlesex, Massachusetts 1 $ 417,000 $ 417,000 $ 141,000
Livingston, Michigan 1 $ 174,000 $ 174,000 $ 128,000
Oakland, Michigan 1 $ 155,000 $ 155,000 $ 135,000
Washington, Minnesota 1 $ 110,000 $ 110,000 $ 70,000
Rankin, Mississippi 1 $ 122,000 $ 122,000 $ 45,000
Union, Mississippi 1 $ 293,000 $ 293,000 $ 366,000
Barry, Missouri 1 $ 126,000 $ 126,000 $ 53,000
Callaway, Missouri 1 $ 219,000 $ 219,000 $ 65,000
Cole, Missouri 1 $ 126,000 $ 126,000 $ 23,000
Greene, Missouri 1 $ 227,000 $ 227,000 $ 58,000
Lafayette, Missouri 1 $ 417,000 $ 417,000 $ 357,000
Maries, Missouri 1 $ 49,000 $ 49,000 $ 30,000
Taney, Missouri 1 $ 215,000 $ 215,000 $ 45,000
Douglas, Nevada 1 $ 630,000 $ 630,000 $ 212,000
Albany, New York 1 $ 200,000 $ 200,000 $ 84,000
Columbia, New York 1 $ 150,000 $ 150,000 $ 112,000
Erie, New York 1 $ 293,000 $ 293,000 $ 142,000
Steuben, New York 1 $ 143,000 $ 143,000 $ 47,000
Brunswick, North Carolina 1 $ 316,000 $ 316,000 $ 219,000
Clay, North Carolina 1 $ 351,000 $ 351,000 $ 139,000
Lake, Ohio 1 $ 50,000 $ 50,000 $ 155,000
Cleveland, Oklahoma 1 $ 322,000 $ 322,000 $ 129,000
Oklahoma, Oklahoma 1 $ 401,000 $ 401,000 $ 192,000
Linn, Oregon 1 $ 154,000 $ 154,000 $ 112,000
Polk, Oregon 1 $ 252,000 $ 252,000 $ 46,000
Tillamook, Oregon 1 $ 315,000 $ 315,000 $ 200,000
Wasco, Oregon 1 $ 150,000 $ 150,000 $ 51,000
Charleston, South Carolina 1 $ 325,000 $ 325,000 $ 115,000
Franklin, Tennessee 1 $ 166,000 $ 166,000 $ 84,000
Sevier, Tennessee 1 $ 307,000 $ 307,000 $ 100,000
Bastrop, Texas 1 $ 107,000 $ 107,000 $ 120,000
Collin, Texas 1 $ 271,000 $ 271,000 $ 216,000
El Paso, Texas 1 $ 79,000 $ 79,000 $ 178,000
Montgomery, Texas 1 $ 200,000 $ 200,000 $ 136,000
Nueces, Texas 1 $ 246,000 $ 246,000 $ 280,000
Weber, Utah 1 $ 86,000 $ 86,000 $ 16,000
Richmond City, Virginia 1 $ 334,000 $ 334,000 $ 169,000
Clark, Washington 1 $ 4,900,000 $ 4,900,000 $ 0
Thurston, Washington 1 $ 404,000 $ 404,000 $ 160,000

Mortgage Loan Application Detail Totals for First Bank in 2016

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 1,391 $514,620,000 $369,000 $15,000,000 $151,000 $3,392,000
Home Purchase 1,314 $405,097,000 $308,000 $5,100,000 $128,000 $9,999,000
Home Improvement 212 $46,524,000 $219,000 $2,000,000 $93,000 $600,000

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 1,952 $564,510,000 $289,000 $4,200,000 $141,000 $9,999,000
Hispanic 319 $109,588,000 $343,000 $2,475,000 $110,000 $920,000
Asian 316 $154,849,000 $490,000 $4,000,000 $166,000 $1,752,000
Not Provided 201 $76,293,000 $379,000 $3,500,000 $129,000 $807,000
Black or African American 90 $22,021,000 $244,000 $832,000 $77,000 $223,000
Not applicable 16 $32,378,000 $2,023,000 $15,000,000 $0 $0
Native Hawaiin or Other Pacific Islander 15 $5,053,000 $336,000 $663,000 $104,000 $168,000
American Indian or Alaskan Native 8 $1,549,000 $193,000 $385,000 $43,000 $108,000

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) 2,351 $849,185,000 $361,000 $15,000,000 $153,000 $9,999,000
FHA-insured (Federal Housing Administration) 360 $76,339,000 $212,000 $636,000 $71,000 $461,000
VA-guaranteed (Veterans Administration) 129 $32,225,000 $249,000 $896,000 $64,000 $403,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 77 $8,492,000 $110,000 $221,000 $40,000 $74,000

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 1,964 $610,785,000 $310,000 $15,000,000 $135,000 $9,999,000
Application Withdrawn By Applicant 369 $140,124,000 $379,000 $5,100,000 $172,000 $3,392,000
Application Denied By Financial Institution 314 $105,774,000 $336,000 $2,160,000 $99,000 $976,000
Application Approved But Not Accepted 170 $56,059,000 $329,000 $4,000,000 $131,000 $904,000
File Closed For Incompleteness 61 $31,013,000 $508,000 $3,500,000 $179,000 $706,000
Preapproval Denied by Financial Institution 39 $22,486,000 $576,000 $3,500,000 $130,000 $563,000
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 138 $56,524,000 $409,000 $2,000,000 $70,000 $358,000
Credit History 73 $19,424,000 $266,000 $2,160,000 $107,000 $588,000
Other 49 $16,689,000 $340,000 $1,330,000 $112,000 $595,000
Collateral 45 $11,898,000 $264,000 $860,000 $147,000 $976,000
Credit Application Incomplete 28 $12,314,000 $439,000 $2,000,000 $139,000 $513,000
Employment History 9 $3,428,000 $380,000 $1,305,000 $84,000 $222,000
Insufficient Cash (Downpayment, Closing Cost) 6 $5,555,000 $925,000 $3,500,000 $205,000 $563,000
Unverifiable Information 3 $2,378,000 $792,000 $1,148,000 $180,000 $277,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2016 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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