First Bank Mortgage Lending & HMDA Data, 2025
In 2025, First Bank of Saint Louis, MO reported 2,457 mortgage applications totaling $781.9 million, down 16% from 2024. The average application was for $318,223, and applicants reported an average income of $190,536. 69% of its applications resulted in an originated loan and 15% were denied. Its largest markets were St. Louis, MO-IL (576), Kansas City, MO-KS (471) and Omaha-Council Bluffs, NE-IA (273) (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 | 2,457 |
| Total Mortgage Loan Application Amount | $781,875,000 |
| Average Mortgage Loan Application Amount | $318,223 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $190,536 |
| Highest Applicant Income | $6,552,000 |
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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 576 | $ 140,120,000 | $ 243,263 | $ 160,687 |
| Kansas City, MO-KS | 471 | $ 151,865,000 | $ 322,430 | $ 155,764 |
| Omaha-Council Bluffs, NE-IA | 273 | $ 89,975,000 | $ 329,578 | $ 177,835 |
| Los Angeles-Long Beach-Glendale, CA | 225 | $ 80,715,000 | $ 358,733 | $ 290,000 |
| Anaheim-Santa Ana-Irvine, CA | 134 | $ 47,200,000 | $ 352,238 | $ 256,000 |
| Lincoln, NE | 130 | $ 36,850,000 | $ 283,461 | $ 120,000 |
| Outside any metro area | 123 | $ 29,425,000 | $ 239,227 | $ 135,056 |
| Riverside-San Bernardino-Ontario, CA | 53 | $ 14,175,000 | $ 267,452 | $ 176,000 |
| San Diego-Carlsbad, CA | 49 | $ 22,015,000 | $ 449,285 | $ 349,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 46 | $ 10,180,000 | $ 221,304 | $ 190,000 |
| Oakland-Hayward-Berkeley, CA | 40 | $ 17,450,000 | $ 436,250 | $ 217,000 |
| San Francisco-Redwood City-South San Francisco, CA | 35 | $ 19,225,000 | $ 549,285 | $ 280,000 |
| Joplin, MO | 25 | $ 4,505,000 | $ 180,200 | $ 111,000 |
| Santa Maria-Santa Barbara, CA | 25 | $ 7,185,000 | $ 287,400 | $ 180,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 23 | $ 6,715,000 | $ 291,956 | $ 238,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 23 | $ 17,245,000 | $ 749,782 | $ 353,000 |
| Vallejo-Fairfield, CA | 17 | $ 4,775,000 | $ 280,882 | $ 136,000 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 6,230,000 | $ 519,166 | $ 272,000 |
| Lawrence, KS | 8 | $ 2,620,000 | $ 327,500 | $ 160,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,935,000 | $ 562,142 | $ 286,000 |
| Springfield, MO | 7 | $ 2,705,000 | $ 386,428 | $ 172,000 |
| St. Joseph, MO-KS | 7 | $ 1,645,000 | $ 235,000 | $ 99,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 1,760,000 | $ 293,333 | $ 218,000 |
| Chicago-Naperville, IL | 5 | $ 1,785,000 | $ 357,000 | $ 193,000 |
| Dallas-Plano-Irving, TX | 5 | $ 2,085,000 | $ 417,000 | $ 189,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,775,000 | $ 355,000 | $ 182,000 |
| Tulsa, OK | 5 | $ 1,135,000 | $ 227,000 | $ 79,000 |
| Warner Robins, GA | 5 | $ 1,805,000 | $ 361,000 | $ 304,000 |
| Cape Girardeau, MO-IL | 4 | $ 1,010,000 | $ 252,500 | $ 93,000 |
| Fort Worth-Arlington, TX | 4 | $ 9,640,000 | $ 2,410,000 | $ 491,000 |
| Oklahoma City, OK | 4 | $ 1,290,000 | $ 322,500 | $ 205,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,520,000 | $ 380,000 | $ 327,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,835,000 | $ 611,666 | $ 309,000 |
| Greeley, CO | 3 | $ 1,555,000 | $ 518,333 | $ 191,000 |
| Manhattan, KS | 3 | $ 775,000 | $ 258,333 | $ 103,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 355,000 | $ 118,333 | $ 130,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 905,000 | $ 301,666 | $ 483,000 |
| Stockton-Lodi, CA | 3 | $ 1,315,000 | $ 438,333 | $ 131,000 |
| Wichita, KS | 3 | $ 835,000 | $ 278,333 | $ 167,000 |
| Bend-Redmond, OR | 2 | $ 1,560,000 | $ 780,000 | $ 310,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 600,000 | $ 300,000 | $ 308,000 |
| Cleveland, OH | 2 | $ 190,000 | $ 95,000 | $ 277,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 990,000 | $ 495,000 | $ 146,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 770,000 | $ 385,000 | $ 235,000 |
| Fresno, CA | 2 | $ 610,000 | $ 305,000 | $ 123,000 |
| Grand Island, NE | 2 | $ 400,000 | $ 200,000 | $ 93,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,060,000 | $ 530,000 | $ 177,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,110,000 | $ 555,000 | $ 267,500 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 750,000 | $ 375,000 | $ 193,500 |
| San Rafael, CA | 2 | $ 1,710,000 | $ 855,000 | $ 456,000 |
| Santa Rosa, CA | 2 | $ 1,080,000 | $ 540,000 | $ 158,000 |
| Topeka, KS | 2 | $ 590,000 | $ 295,000 | $ 111,000 |
| Urban Honolulu, HI | 2 | $ 1,140,000 | $ 570,000 | $ 359,000 |
| Yuba City, CA | 2 | $ 150,000 | $ 75,000 | $ 139,000 |
| Bakersfield, CA | 1 | $ 665,000 | $ 665,000 | $ 230,000 |
| Bangor, ME | 1 | $ 385,000 | $ 385,000 | $ 153,000 |
| Baton Rouge, LA | 1 | $ 145,000 | $ 145,000 | $ 235,000 |
| Boulder, CO | 1 | $ 445,000 | $ 445,000 | $ 132,000 |
| Bozeman, MT | 1 | $ 585,000 | $ 585,000 | $ 240,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 715,000 | $ 715,000 | $ 250,000 |
| Brownsville-Harlingen, TX | 1 | $ 635,000 | $ 635,000 | $ 124,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 515,000 | $ 515,000 | $ 360,000 |
| Coeur D'Alene, ID | 1 | $ 135,000 | $ 135,000 | $ 118,000 |
| Columbia, MO | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Columbus, OH | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Corvallis, OR | 1 | $ 725,000 | $ 725,000 | $ 453,000 |
| Decatur, IL | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
| Des Moines-West Des Moines, IA | 1 | $ 455,000 | $ 455,000 | $ 470,000 |
| El Centro, CA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Fort Collins, CO | 1 | $ 905,000 | $ 905,000 | $ 337,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,505,000 | $ 1,505,000 | $ 3,912,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 405,000 | $ 405,000 | $ 211,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 805,000 | $ 805,000 | $ 465,000 |
| Jacksonville, FL | 1 | $ 535,000 | $ 535,000 | $ 313,000 |
| Kankakee, IL | 1 | $ 285,000 | $ 285,000 | $ 102,000 |
| Kennewick-Richland, WA | 1 | $ 415,000 | $ 415,000 | $ 125,000 |
| Kenosha, WI | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Lafayette, LA | 1 | $ 155,000 | $ 155,000 | $ 820,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 645,000 | $ 645,000 | $ 506,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| Marietta, GA | 1 | $ 465,000 | $ 465,000 | $ 360,000 |
| Memphis, TN-MS-AR | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Merced, CA | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Mobile, AL | 1 | $ 265,000 | $ 265,000 | $ 157,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 805,000 | $ 805,000 | $ 126,000 |
| New Orleans-Metairie, LA | 1 | $ 315,000 | $ 315,000 | $ 519,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 345,000 | $ 345,000 | $ 155,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Panama City, FL | 1 | $ 515,000 | $ 515,000 | $ 286,000 |
| Peoria, IL | 1 | $ 325,000 | $ 325,000 | $ 219,000 |
| Philadelphia, PA | 1 | $ 325,000 | $ 325,000 | $ 259,000 |
| Pittsburgh, PA | 1 | $ 445,000 | $ 445,000 | $ 1,005,000 |
| Raleigh, NC | 1 | $ 325,000 | $ 325,000 | $ 89,000 |
| San Antonio-New Braunfels, TX | 1 | $ 605,000 | $ 605,000 | $ 131,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 435,000 | $ 435,000 | $ 72,000 |
| Tacoma-Lakewood, WA | 1 | $ 275,000 | $ 275,000 | $ 43,000 |
| Tampa, FL | 1 | $ 575,000 | $ 575,000 | $ 257,000 |
| Tucson, AZ | 1 | $ 145,000 | $ 145,000 | $ 29,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 305,000 | $ 305,000 | $ 800,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 135,000 | $ 135,000 | $ 363,000 |
| Wildwood-The Villages, FL | 1 | $ 415,000 | $ 415,000 | $ 120,000 |
| Wilmington, NC | 1 | $ 465,000 | $ 465,000 | $ 172,000 |
| Worcester, MA-CT | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Yakima, WA | 1 | $ 275,000 | $ 275,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for First Bank in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,298 | $440,940,000 | $339,000 | $2,505,000 | $169,000 | $5,568,000 |
| Other Purpose | 470 | $101,610,000 | $216,000 | $3,005,000 | $215,000 | $6,552,000 |
| Refinancing | 411 | $168,205,000 | $409,000 | $6,005,000 | $232,000 | $3,050,000 |
| Home Improvement | 143 | $25,665,000 | $179,000 | $755,000 | $203,000 | $4,266,000 |
| Cash-out Refinancing | 135 | $45,455,000 | $336,000 | $1,505,000 | $173,000 | $1,897,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,714 | $527,070,000 | $307,000 | $3,005,000 | $187,000 | $6,552,000 |
| Hispanic | 219 | $64,735,000 | $295,000 | $1,355,000 | $183,000 | $1,688,000 |
| Asian | 205 | $86,385,000 | $421,000 | $2,235,000 | $246,000 | $2,824,000 |
| Not Provided | 185 | $63,455,000 | $343,000 | $1,755,000 | $232,000 | $3,912,000 |
| Black or African American | 113 | $19,525,000 | $172,000 | $695,000 | $106,000 | $363,000 |
| American Indian or Alaskan Native | 10 | $1,950,000 | $195,000 | $755,000 | $92,000 | $246,000 |
| Not applicable | 7 | $17,815,000 | $2,545,000 | $6,005,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $735,000 | $245,000 | $475,000 | $116,000 | $200,000 |
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) | 2,191 | $700,045,000 | $319,000 | $6,005,000 | $200,000 | $6,552,000 |
| FHA-insured (Federal Housing Administration) | 188 | $54,490,000 | $289,000 | $1,095,000 | $109,000 | $841,000 |
| VA-guaranteed (Veterans Administration) | 74 | $26,350,000 | $356,000 | $895,000 | $133,000 | $560,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $990,000 | $247,000 | $345,000 | $83,000 | $115,000 |
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 | 1,688 | $560,110,000 | $331,000 | $6,005,000 | $196,000 | $6,552,000 |
| Application Denied By Financial Institution | 380 | $88,140,000 | $231,000 | $1,205,000 | $162,000 | $1,897,000 |
| Application Withdrawn By Applicant | 352 | $122,700,000 | $348,000 | $2,235,000 | $190,000 | $3,912,000 |
| Application Approved But Not Accepted | 30 | $9,020,000 | $300,000 | $805,000 | $220,000 | $1,239,000 |
| File Closed For Incompleteness | 7 | $1,905,000 | $272,000 | $725,000 | $168,000 | $339,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,077 | $693,735,000 | $334,000 | $6,005,000 | $196,000 | $6,552,000 |
| Debt-To-Income Ratio | 171 | $42,115,000 | $246,000 | $905,000 | $129,000 | $1,165,000 |
| Credit History | 85 | $14,885,000 | $175,000 | $1,205,000 | $120,000 | $550,000 |
| Collateral | 48 | $12,200,000 | $254,000 | $805,000 | $262,000 | $1,441,000 |
| Unverifiable Information | 31 | $8,075,000 | $260,000 | $685,000 | $269,000 | $1,897,000 |
| Credit Application Incomplete | 26 | $6,900,000 | $265,000 | $995,000 | $183,000 | $800,000 |
| Other | 12 | $2,780,000 | $231,000 | $755,000 | $233,000 | $565,000 |
| Employment History | 5 | $605,000 | $121,000 | $195,000 | $87,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $580,000 | $290,000 | $375,000 | $89,000 | $118,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2025 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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