First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016

First Bank 2016 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 2,917
Total Mortgage Loan Application Amount $966,241,000
Average Mortgage Loan Application Amount $298,666
Highest Mortgage Loan Application Amount $15,000,000
Average Applicant Income $124,000
Highest Applicant Income $9,999,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.

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