First Bank Mortgage Lending & HMDA Data, 2003
In 2003, First Bank of Saint Louis, MO reported 32,048 mortgage applications totaling $4.5 billion. The average application was for $141,278, and applicants reported an average income of $69,820. 51% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Los Angeles-Long Beach, CA (3,972), Riverside-San Bernardino, CA (3,530) and St. Louis, MO-IL (2,426) (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 | 32,048 |
| Total Mortgage Loan Application Amount | $4,527,694,000 |
| Average Mortgage Loan Application Amount | $141,278 |
| Highest Mortgage Loan Application Amount | $15,750,000 |
| Average Applicant Income | $69,820 |
| Highest Applicant Income | $4,980,000 |
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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach, CA | 3,972 | $ 772,544,000 | $ 194,497 | $ 79,000 |
| Riverside-San Bernardino, CA | 3,530 | $ 538,621,000 | $ 152,583 | $ 72,000 |
| St. Louis, MO-IL | 2,426 | $ 295,825,000 | $ 121,939 | $ 50,000 |
| Orange County, CA | 1,280 | $ 278,561,000 | $ 217,625 | $ 96,000 |
| Houston, TX | 790 | $ 70,221,000 | $ 88,887 | $ 67,000 |
| Ventura, CA | 724 | $ 163,060,000 | $ 225,220 | $ 88,000 |
| Las Vegas, NV-AZ | 645 | $ 90,342,000 | $ 140,065 | $ 74,000 |
| Sacramento, CA | 615 | $ 116,769,000 | $ 189,868 | $ 85,000 |
| Stockton-Lodi, CA | 590 | $ 88,232,000 | $ 149,545 | $ 82,000 |
| Chicago, IL | 521 | $ 81,728,000 | $ 156,867 | $ 82,000 |
| Phoenix-Mesa, AZ | 475 | $ 56,519,000 | $ 118,987 | $ 90,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 431 | $ 95,239,000 | $ 220,972 | $ 92,000 |
| Vallejo-Fairfield-Napa, CA | 427 | $ 79,511,000 | $ 186,208 | $ 96,000 |
| San Diego, CA | 403 | $ 92,473,000 | $ 229,461 | $ 95,000 |
| Oakland, CA | 354 | $ 80,002,000 | $ 225,994 | $ 101,000 |
| San Jose, CA | 337 | $ 101,726,000 | $ 301,857 | $ 111,000 |
| Detroit, MI | 336 | $ 44,183,000 | $ 131,497 | $ 71,000 |
| Tampa-St. Petersburg-Clearwater, FL | 251 | $ 25,041,000 | $ 99,764 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 198 | $ 56,503,000 | $ 285,368 | $ 106,000 |
| Orlando, FL | 177 | $ 18,070,000 | $ 102,090 | $ 61,000 |
| Bakersfield, CA | 168 | $ 15,961,000 | $ 95,005 | $ 64,000 |
| Modesto, CA | 164 | $ 24,847,000 | $ 151,506 | $ 70,000 |
| Fresno, CA | 152 | $ 19,700,000 | $ 129,605 | $ 67,000 |
| Dallas, TX | 151 | $ 14,592,000 | $ 96,635 | $ 71,000 |
| Peoria-Pekin, IL | 137 | $ 9,653,000 | $ 70,459 | $ 34,000 |
| San Francisco, CA | 137 | $ 40,641,000 | $ 296,649 | $ 137,000 |
| Indianapolis, IN | 132 | $ 13,466,000 | $ 102,015 | $ 65,000 |
| Denver, CO | 130 | $ 20,094,000 | $ 154,569 | $ 94,000 |
| Kansas City, MO-KS | 128 | $ 11,990,000 | $ 93,671 | $ 63,000 |
| Fort Lauderdale, FL | 113 | $ 12,974,000 | $ 114,814 | $ 56,000 |
| Memphis, TN-AR-MS | 113 | $ 13,740,000 | $ 121,592 | $ 68,000 |
| Miami, FL | 103 | $ 13,857,000 | $ 134,533 | $ 119,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 100 | $ 11,937,000 | $ 119,370 | $ 70,000 |
| Portland-Vancouver, OR-WA | 95 | $ 14,314,000 | $ 150,673 | $ 81,000 |
| Salt Lake City-Ogden, UT | 94 | $ 10,134,000 | $ 107,808 | $ 118,000 |
| Raleigh-Durham-Chapel Hill, NC | 90 | $ 9,995,000 | $ 111,055 | $ 70,000 |
| Tacoma, WA | 89 | $ 10,663,000 | $ 119,808 | $ 68,000 |
| Grand Rapids-Muskegon-Holland, MI | 88 | $ 8,124,000 | $ 92,318 | $ 51,000 |
| Minneapolis-St. Paul, MN-WI | 88 | $ 13,685,000 | $ 155,511 | $ 86,000 |
| Seattle-Bellevue-Everett, WA | 87 | $ 13,770,000 | $ 158,275 | $ 67,000 |
| Boston, MA-NH | 83 | $ 17,904,000 | $ 215,710 | $ 76,000 |
| Des Moines, IA | 81 | $ 7,254,000 | $ 89,555 | $ 76,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 80 | $ 17,072,000 | $ 213,400 | $ 73,000 |
| Hartford, CT | 69 | $ 9,663,000 | $ 140,043 | $ 71,000 |
| Jacksonville, FL | 68 | $ 7,760,000 | $ 114,117 | $ 70,000 |
| Cincinnati, OH-KY-IN | 67 | $ 6,002,000 | $ 89,582 | $ 57,000 |
| Daytona Beach, FL | 65 | $ 6,228,000 | $ 95,815 | $ 55,000 |
| Dayton-Springfield, OH | 64 | $ 6,358,000 | $ 99,343 | $ 61,000 |
| Oklahoma City, OK | 61 | $ 5,188,000 | $ 85,049 | $ 58,000 |
| Colorado Springs, CO | 60 | $ 6,764,000 | $ 112,733 | $ 67,000 |
| West Palm Beach-Boca Raton, FL | 60 | $ 6,377,000 | $ 106,283 | $ 54,000 |
| Providence-Fall River-Warwick, RI-MA | 56 | $ 9,174,000 | $ 163,821 | $ 80,000 |
| Springfield, IL | 56 | $ 4,165,000 | $ 74,375 | $ 32,000 |
| Knoxville, TN | 55 | $ 5,292,000 | $ 96,218 | $ 52,000 |
| Richmond-Petersburg, VA | 52 | $ 5,509,000 | $ 105,942 | $ 56,000 |
| Flint, MI | 50 | $ 5,238,000 | $ 104,760 | $ 61,000 |
| Akron, OH | 48 | $ 4,685,000 | $ 97,604 | $ 59,000 |
| Greeley, CO | 48 | $ 4,185,000 | $ 87,187 | $ 61,000 |
| Columbus, OH | 47 | $ 4,618,000 | $ 98,255 | $ 59,000 |
| Sarasota-Bradenton, FL | 47 | $ 6,344,000 | $ 134,978 | $ 56,000 |
| Austin-San Marcos, TX | 45 | $ 5,362,000 | $ 119,155 | $ 87,000 |
| Merced, CA | 45 | $ 6,426,000 | $ 142,800 | $ 80,000 |
| Canton-Massillon, OH | 44 | $ 4,415,000 | $ 100,340 | $ 43,000 |
| Louisville, KY-IN | 44 | $ 4,436,000 | $ 100,818 | $ 51,000 |
| Brazoria, TX | 43 | $ 5,658,000 | $ 131,581 | $ 70,000 |
| Melbourne-Titusville-Palm Bay, FL | 43 | $ 4,604,000 | $ 107,069 | $ 52,000 |
| Kalamazoo-Battle Creek, MI | 42 | $ 3,403,000 | $ 81,023 | $ 56,000 |
| Springfield, MA | 42 | $ 5,015,000 | $ 119,404 | $ 61,000 |
| Fort Myers-Cape Coral, FL | 41 | $ 5,138,000 | $ 125,317 | $ 74,000 |
| Fort Worth-Arlington, TX | 41 | $ 3,393,000 | $ 82,756 | $ 59,000 |
| Ann Arbor, MI | 40 | $ 5,391,000 | $ 134,775 | $ 79,000 |
| Ocala, FL | 40 | $ 3,621,000 | $ 90,525 | $ 61,000 |
| Fort Wayne, IN | 39 | $ 3,463,000 | $ 88,794 | $ 54,000 |
| Galveston-Texas City, TX | 39 | $ 3,692,000 | $ 94,666 | $ 77,000 |
| Nashville, TN | 39 | $ 5,535,000 | $ 141,923 | $ 71,000 |
| Chico-Paradise, CA | 38 | $ 4,980,000 | $ 131,052 | $ 59,000 |
| Little Rock-North Little Rock, AR | 38 | $ 3,358,000 | $ 88,368 | $ 55,000 |
| Salinas, CA | 38 | $ 7,487,000 | $ 197,026 | $ 96,000 |
| El Paso, TX | 37 | $ 2,817,000 | $ 76,135 | $ 76,000 |
| Tucson, AZ | 37 | $ 3,750,000 | $ 101,351 | $ 60,000 |
| Lakeland-Winter Haven, FL | 36 | $ 3,223,000 | $ 89,527 | $ 50,000 |
| Lansing-East Lansing, MI | 36 | $ 4,434,000 | $ 123,166 | $ 77,000 |
| Boise City, ID | 35 | $ 3,905,000 | $ 111,571 | $ 54,000 |
| Pensacola, FL | 35 | $ 2,711,000 | $ 77,457 | $ 55,000 |
| Lexington, KY | 33 | $ 2,747,000 | $ 83,242 | $ 49,000 |
| Pittsburgh, PA | 33 | $ 2,907,000 | $ 88,090 | $ 61,000 |
| Albuquerque, NM | 32 | $ 3,388,000 | $ 105,875 | $ 53,000 |
| Santa Rosa, CA | 32 | $ 7,792,000 | $ 243,500 | $ 96,000 |
| Jackson, MS | 31 | $ 2,587,000 | $ 83,451 | $ 57,000 |
| Tallahassee, FL | 31 | $ 3,393,000 | $ 109,451 | $ 54,000 |
| Nashua, NH | 30 | $ 5,582,000 | $ 186,066 | $ 68,000 |
| Milwaukee-Waukesha, WI | 29 | $ 2,675,000 | $ 92,241 | $ 59,000 |
| Fort Pierce-Port St. Lucie, FL | 28 | $ 3,444,000 | $ 123,000 | $ 55,000 |
| Manchester, NH | 28 | $ 7,194,000 | $ 256,928 | $ 88,000 |
| Philadelphia, PA-NJ | 28 | $ 3,571,000 | $ 127,535 | $ 72,000 |
| Visalia-Tulare-Porterville, CA | 28 | $ 2,621,000 | $ 93,607 | $ 65,000 |
| Waterbury, CT | 28 | $ 2,609,000 | $ 93,178 | $ 55,000 |
| Yuba City, CA | 28 | $ 3,058,000 | $ 109,214 | $ 62,000 |
| Omaha, NE-IA | 27 | $ 2,937,000 | $ 108,777 | $ 62,000 |
| Reno, NV | 27 | $ 4,720,000 | $ 174,814 | $ 84,000 |
| Yolo, CA | 25 | $ 4,779,000 | $ 191,160 | $ 99,000 |
| Gary, IN | 24 | $ 2,468,000 | $ 102,833 | $ 52,000 |
| Baltimore, MD | 23 | $ 3,819,000 | $ 166,043 | $ 64,000 |
| McAllen-Edinburg-Mission, TX | 23 | $ 1,270,000 | $ 55,217 | $ 39,000 |
| New York, NY | 22 | $ 5,783,000 | $ 262,863 | $ 84,000 |
| Provo-Orem, UT | 22 | $ 3,850,000 | $ 175,000 | $ 105,000 |
| Toledo, OH | 22 | $ 1,709,000 | $ 77,681 | $ 40,000 |
| Wichita, KS | 22 | $ 2,133,000 | $ 96,954 | $ 59,000 |
| Cleveland-Lorain-Elyria, OH | 21 | $ 2,104,000 | $ 100,190 | $ 60,000 |
| Naples, FL | 21 | $ 3,751,000 | $ 178,619 | $ 45,000 |
| San Antonio, TX | 21 | $ 1,822,000 | $ 86,761 | $ 76,000 |
| Yakima, WA | 21 | $ 2,058,000 | $ 98,000 | $ 65,000 |
| Anchorage, AK | 20 | $ 3,563,000 | $ 178,150 | $ 97,000 |
| Eugene-Springfield, OR | 20 | $ 2,229,000 | $ 111,450 | $ 46,000 |
| Lawrence, MA-NH | 20 | $ 3,981,000 | $ 199,050 | $ 121,000 |
| Tulsa, OK | 20 | $ 2,177,000 | $ 108,850 | $ 64,000 |
| Portsmouth-Rochester, NH-ME | 19 | $ 3,869,000 | $ 203,631 | $ 54,000 |
| Spokane, WA | 19 | $ 1,862,000 | $ 98,000 | $ 48,000 |
| Bridgeport, CT | 18 | $ 2,109,000 | $ 117,166 | $ 67,000 |
| Brockton, MA | 18 | $ 3,958,000 | $ 219,888 | $ 58,000 |
| Youngstown-Warren, OH | 18 | $ 1,555,000 | $ 86,388 | $ 39,000 |
| Biloxi-Gulfport-Pascagoula, MS | 17 | $ 1,361,000 | $ 80,058 | $ 61,000 |
| Evansville-Henderson, IN-KY | 17 | $ 1,404,000 | $ 82,588 | $ 36,000 |
| Hamilton-Middletown, OH | 17 | $ 1,629,000 | $ 95,823 | $ 60,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 17 | $ 1,860,000 | $ 109,411 | $ 56,000 |
| New Haven-Meriden, CT | 17 | $ 2,121,000 | $ 124,764 | $ 58,000 |
| Salem, OR | 17 | $ 2,053,000 | $ 120,764 | $ 52,000 |
| Charleston-North Charleston, SC | 16 | $ 1,746,000 | $ 109,125 | $ 49,000 |
| Lincoln, NE | 16 | $ 1,709,000 | $ 106,812 | $ 70,000 |
| Nassau-Suffolk, NY | 16 | $ 3,227,000 | $ 201,687 | $ 73,000 |
| New London-Norwich, CT-RI | 16 | $ 2,235,000 | $ 139,687 | $ 72,000 |
| Santa Fe, NM | 16 | $ 1,954,000 | $ 122,125 | $ 63,000 |
| Beaumont-Port Arthur, TX | 15 | $ 898,000 | $ 59,866 | $ 51,000 |
| Gainesville, FL | 15 | $ 1,957,000 | $ 130,466 | $ 82,000 |
| Sioux City, IA-NE | 15 | $ 1,046,000 | $ 69,733 | $ 34,000 |
| Boulder-Longmont, CO | 14 | $ 2,035,000 | $ 145,357 | $ 61,000 |
| Bremerton, WA | 14 | $ 1,421,000 | $ 101,500 | $ 45,000 |
| Baton Rouge, LA | 13 | $ 817,000 | $ 62,846 | $ 51,000 |
| Cedar Rapids, IA | 13 | $ 965,000 | $ 74,230 | $ 50,000 |
| Las Cruces, NM | 13 | $ 1,373,000 | $ 105,615 | $ 66,000 |
| Worcester, MA-CT | 13 | $ 2,880,000 | $ 221,538 | $ 121,000 |
| Brownsville-Harlingen-San Benito, TX | 12 | $ 787,000 | $ 65,583 | $ 50,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 12 | $ 1,337,000 | $ 111,416 | $ 47,000 |
| Columbia, SC | 12 | $ 866,000 | $ 72,166 | $ 38,000 |
| Elkhart-Goshen, IN | 12 | $ 919,000 | $ 76,583 | $ 47,000 |
| Greensboro--Winston-Salem--High Point, NC | 12 | $ 1,262,000 | $ 105,166 | $ 55,000 |
| Joplin, MO | 12 | $ 980,000 | $ 81,666 | $ 58,000 |
| New Bedford, MA | 12 | $ 1,689,000 | $ 140,750 | $ 76,000 |
| Olympia, WA | 12 | $ 1,766,000 | $ 147,166 | $ 64,000 |
| Panama City, FL | 12 | $ 1,161,000 | $ 96,750 | $ 50,000 |
| Pueblo, CO | 12 | $ 915,000 | $ 76,250 | $ 57,000 |
| Fort Walton Beach, FL | 11 | $ 1,304,000 | $ 118,545 | $ 55,000 |
| Punta Gorda, FL | 11 | $ 959,000 | $ 87,181 | $ 49,000 |
| Springfield, MO | 11 | $ 965,000 | $ 87,727 | $ 55,000 |
| Benton Harbor, MI | 10 | $ 1,578,000 | $ 157,800 | $ 78,000 |
| Columbia, MO | 10 | $ 600,000 | $ 60,000 | $ 53,000 |
| Erie, PA | 10 | $ 848,000 | $ 84,800 | $ 73,000 |
| Grand Junction, CO | 10 | $ 936,000 | $ 93,600 | $ 62,000 |
| Greenville-Spartanburg-Anderson, SC | 10 | $ 1,452,000 | $ 145,200 | $ 63,000 |
| Lafayette, IN | 10 | $ 798,000 | $ 79,800 | $ 57,000 |
| Rochester, MN | 10 | $ 935,000 | $ 93,500 | $ 45,000 |
| Stamford-Norwalk, CT | 10 | $ 2,142,000 | $ 214,200 | $ 86,000 |
| Lowell, MA-NH | 9 | $ 1,405,000 | $ 156,111 | $ 67,000 |
| New Orleans, LA | 9 | $ 1,065,000 | $ 118,333 | $ 79,000 |
| Redding, CA | 9 | $ 1,078,000 | $ 119,777 | $ 76,000 |
| St. Joseph, MO | 9 | $ 528,000 | $ 58,666 | $ 42,000 |
| Topeka, KS | 9 | $ 657,000 | $ 73,000 | $ 46,000 |
| Victoria, TX | 9 | $ 634,000 | $ 70,444 | $ 71,000 |
| Albany-Schenectady-Troy, NY | 8 | $ 838,000 | $ 104,750 | $ 97,000 |
| Bangor, ME | 8 | $ 782,000 | $ 97,750 | $ 52,000 |
| Jackson, MI | 8 | $ 962,000 | $ 120,250 | $ 44,000 |
| Jackson, TN | 8 | $ 1,909,000 | $ 238,625 | $ 275,000 |
| Richland-Kennewick-Pasco, WA | 8 | $ 849,000 | $ 106,125 | $ 60,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 8 | $ 718,000 | $ 89,750 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA | 7 | $ 748,000 | $ 106,857 | $ 56,000 |
| Appleton-Oshkosh-Neenah, WI | 7 | $ 650,000 | $ 92,857 | $ 49,000 |
| Atlanta, GA | 7 | $ 1,014,000 | $ 144,857 | $ 90,000 |
| Casper, WY | 7 | $ 504,000 | $ 72,000 | $ 41,000 |
| Flagstaff, AZ-UT | 7 | $ 736,000 | $ 105,142 | $ 38,000 |
| Medford-Ashland, OR | 7 | $ 1,061,000 | $ 151,571 | $ 46,000 |
| Rockford, IL | 7 | $ 634,000 | $ 90,571 | $ 66,000 |
| Sioux Falls, SD | 7 | $ 512,000 | $ 73,142 | $ 67,000 |
| Terre Haute, IN | 7 | $ 445,000 | $ 63,571 | $ 46,000 |
| Waterloo-Cedar Falls, IA | 7 | $ 483,000 | $ 69,000 | $ 70,000 |
| Bellingham, WA | 6 | $ 931,000 | $ 155,166 | $ 59,000 |
| Charleston, WV | 6 | $ 463,000 | $ 77,166 | $ 49,000 |
| Chattanooga, TN-GA | 6 | $ 590,000 | $ 98,333 | $ 93,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 589,000 | $ 98,166 | $ 54,000 |
| Decatur, IL | 6 | $ 278,000 | $ 46,333 | $ 44,000 |
| Duluth-Superior, MN-WI | 6 | $ 508,000 | $ 84,666 | $ 58,000 |
| Great Falls, MT | 6 | $ 1,060,000 | $ 176,666 | $ 98,000 |
| Harrisburg-Lebanon-Carlisle, PA | 6 | $ 593,000 | $ 98,833 | $ 42,000 |
| Lima, OH | 6 | $ 468,000 | $ 78,000 | $ 44,000 |
| Roanoke, VA | 6 | $ 542,000 | $ 90,333 | $ 61,000 |
| Shreveport-Bossier City, LA | 6 | $ 300,000 | $ 50,000 | $ 33,000 |
| South Bend, IN | 6 | $ 550,000 | $ 91,666 | $ 57,000 |
| Yuma, AZ | 6 | $ 494,000 | $ 82,333 | $ 82,000 |
| Barnstable-Yarmouth, MA | 5 | $ 645,000 | $ 129,000 | $ 61,000 |
| Clarksville-Hopkinsville, TN-KY | 5 | $ 463,000 | $ 92,600 | $ 43,000 |
| Dutchess County, NY | 5 | $ 922,000 | $ 184,400 | $ 102,000 |
| Iowa City, IA | 5 | $ 494,000 | $ 98,800 | $ 73,000 |
| Kenosha, WI | 5 | $ 837,000 | $ 167,400 | $ 64,000 |
| Lawrence, KS | 5 | $ 462,000 | $ 92,400 | $ 55,000 |
| Newburgh, NY-PA | 5 | $ 876,000 | $ 175,200 | $ 54,000 |
| Saginaw-Bay City-Midland, MI | 5 | $ 630,000 | $ 126,000 | $ 57,000 |
| Syracuse, NY | 5 | $ 374,000 | $ 74,800 | $ 39,000 |
| Tyler, TX | 5 | $ 223,000 | $ 44,600 | $ 35,000 |
| Amarillo, TX | 4 | $ 231,000 | $ 57,750 | $ 44,000 |
| Cheyenne, WY | 4 | $ 406,000 | $ 101,500 | $ 64,000 |
| Fort Smith, AR-OK | 4 | $ 321,000 | $ 80,250 | $ 68,000 |
| Mansfield, OH | 4 | $ 263,000 | $ 65,750 | $ 58,000 |
| Rochester, NY | 4 | $ 452,000 | $ 113,000 | $ 67,000 |
| St. Cloud, MN | 4 | $ 570,000 | $ 142,500 | $ 64,000 |
| Billings, MT | 3 | $ 254,000 | $ 84,666 | $ 56,000 |
| Bloomington-Normal, IL | 3 | $ 350,000 | $ 116,666 | $ 23,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 236,000 | $ 78,666 | $ 35,000 |
| Champaign-Urbana, IL | 3 | $ 372,000 | $ 124,000 | $ 65,000 |
| Charlottesville, VA | 3 | $ 322,000 | $ 107,333 | $ 45,000 |
| Corpus Christi, TX | 3 | $ 227,000 | $ 75,666 | $ 43,000 |
| Corvallis, OR | 3 | $ 222,000 | $ 74,000 | $ 28,000 |
| Danbury, CT | 3 | $ 798,000 | $ 266,000 | $ 119,000 |
| Fitchburg-Leominster, MA | 3 | $ 456,000 | $ 152,000 | $ 77,000 |
| Hickory-Morganton-Lenoir, NC | 3 | $ 282,000 | $ 94,000 | $ 60,000 |
| Jonesboro, AR | 3 | $ 225,000 | $ 75,000 | $ 29,000 |
| Lawton, OK | 3 | $ 275,000 | $ 91,666 | $ 72,000 |
| Lynchburg, VA | 3 | $ 235,000 | $ 78,333 | $ 43,000 |
| Madison, WI | 3 | $ 626,000 | $ 208,666 | $ 55,000 |
| Missoula, MT | 3 | $ 433,000 | $ 144,333 | $ 53,000 |
| Pine Bluff, AR | 3 | $ 171,000 | $ 57,000 | $ 107,000 |
| Reading, PA | 3 | $ 203,000 | $ 67,666 | $ 45,000 |
| Wausau, WI | 3 | $ 299,000 | $ 99,666 | $ 53,000 |
| Wichita Falls, TX | 3 | $ 85,000 | $ 28,333 | $ 43,000 |
| Alexandria, LA | 2 | $ 124,000 | $ 62,000 | $ 65,000 |
| Bryan-College Station, TX | 2 | $ 132,000 | $ 66,000 | $ 55,000 |
| Dubuque, IA | 2 | $ 128,000 | $ 64,000 | $ 69,000 |
| Fayetteville-Springdale-Rogers, AR | 2 | $ 187,000 | $ 93,500 | $ 39,000 |
| Greenville, NC | 2 | $ 164,000 | $ 82,000 | $ 28,000 |
| Janesville-Beloit, WI | 2 | $ 268,000 | $ 134,000 | $ 78,000 |
| Kokomo, IN | 2 | $ 289,000 | $ 144,500 | $ 93,000 |
| La Crosse, WI-MN | 2 | $ 187,000 | $ 93,500 | $ 58,000 |
| Lancaster, PA | 2 | $ 191,000 | $ 95,500 | $ 80,000 |
| Myrtle Beach, SC | 2 | $ 132,000 | $ 66,000 | $ 35,000 |
| Pittsfield, MA | 2 | $ 118,000 | $ 59,000 | $ 64,000 |
| Pocatello, ID | 2 | $ 208,000 | $ 104,000 | $ 26,000 |
| Racine, WI | 2 | $ 144,000 | $ 72,000 | $ 47,000 |
| Sherman-Denison, TX | 2 | $ 159,000 | $ 79,500 | $ 22,000 |
| State College, PA | 2 | $ 291,000 | $ 145,500 | $ 72,000 |
| Waco, TX | 2 | $ 79,000 | $ 39,500 | $ 66,000 |
| Wilmington, NC | 2 | $ 213,000 | $ 106,500 | $ 32,000 |
| York, PA | 2 | $ 179,000 | $ 89,500 | $ 96,000 |
| Altoona, PA | 1 | $ 102,000 | $ 102,000 | $ 54,000 |
| Bloomington, IN | 1 | $ 83,000 | $ 83,000 | $ 33,000 |
| Enid, OK | 1 | $ 71,000 | $ 71,000 | $ 18,000 |
| Fayetteville, NC | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Goldsboro, NC | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 68,000 | $ 68,000 | $ 61,000 |
| Kankakee, IL | 1 | $ 95,000 | $ 95,000 | $ 76,000 |
| Killeen-Temple, TX | 1 | $ 104,000 | $ 104,000 | $ 44,000 |
| Laredo, TX | 1 | $ 518,000 | $ 518,000 | $ 1,967,000 |
| Lewiston-Auburn, ME | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Lubbock, TX | 1 | $ 87,000 | $ 87,000 | $ 66,000 |
| Macon, GA | 1 | $ 73,000 | $ 73,000 | $ 35,000 |
| Monmouth-Ocean, NJ | 1 | $ 110,000 | $ 110,000 | $ 52,000 |
| Muncie, IN | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| Owensboro, KY | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Portland, ME | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Rapid City, SD | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| San Angelo, TX | 1 | $ 52,000 | $ 52,000 | $ 27,000 |
| Savannah, GA | 1 | $ 94,000 | $ 94,000 | $ 40,000 |
| Sumter, SC | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for First Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 19,098 | $2,904,322,000 | $119,510 | $4,200,000 | $65,446 | $3,100,000 |
| Home Purchase (one-to-four family) | 10,958 | $1,521,183,000 | $108,108 | $2,087,000 | $61,717 | $4,980,000 |
| Home Improvement (one-to-four family) | 1,961 | $62,170,000 | $54,444 | $640,000 | $63,777 | $1,097,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 31 | $40,019,000 | $1,068,666 | $15,750,000 | $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 | 19,902 | $2,632,883,000 | $113,659 | $4,200,000 | $63,468 | $4,980,000 |
| Hispanic | 6,072 | $923,335,000 | $124,542 | $750,000 | $56,485 | $1,967,000 |
| Black | 2,590 | $321,021,000 | $115,846 | $1,000,000 | $58,743 | $1,680,000 |
| Asian or Pacific Islander | 1,577 | $323,536,000 | $164,066 | $1,950,000 | $79,933 | $1,464,000 |
| Information not provided by applicant in mail or telephone application | 1,489 | $227,332,000 | $115,512 | $3,224,000 | $63,341 | $2,223,000 |
| Other | 226 | $41,085,000 | $140,421 | $1,320,000 | $72,631 | $480,000 |
| American Indian or Alaskan Native | 125 | $17,905,000 | $105,900 | $650,000 | $60,950 | $240,000 |
| Not applicable | 67 | $40,597,000 | $507,000 | $15,750,000 | $750 | $61,000 |
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) | 31,495 | $4,466,751,000 | $113,875 | $15,750,000 | $64,083 | $4,980,000 |
| FHA-insured (Federal Housing Administration) | 400 | $48,271,000 | $110,500 | $298,000 | $34,750 | $115,000 |
| VA-guaranteed (Veterans Administration) | 122 | $10,719,000 | $87,500 | $173,000 | $13,750 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $1,953,000 | $70,000 | $121,000 | $37,000 | $53,000 |
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 | 16,467 | $2,257,808,000 | $107,222 | $15,750,000 | $60,022 | $4,980,000 |
| Application Denied By Financial Institution | 8,918 | $1,268,528,000 | $116,382 | $3,224,000 | $63,319 | $3,100,000 |
| Application Approved But Not Accepted | 4,146 | $672,749,000 | $126,093 | $4,200,000 | $64,860 | $744,000 |
| Application Withdrawn By Applicant | 2,347 | $299,812,000 | $117,288 | $800,000 | $66,600 | $600,000 |
| File Closed For Incompleteness | 112 | $22,869,000 | $207,571 | $1,260,000 | $105,619 | $652,000 |
| Loan Purchased By The Institution | 58 | $5,928,000 | $165,666 | $452,000 | $72,555 | $137,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 4,373 | $588,395,000 | $111,159 | $3,224,000 | $57,363 | $840,000 |
| Debt-To-Income Ratio | 1,126 | $152,896,000 | $124,700 | $1,572,000 | $50,800 | $336,000 |
| Other | 1,051 | $181,132,000 | $121,317 | $1,950,000 | $76,414 | $3,100,000 |
| Collateral | 907 | $120,072,000 | $127,146 | $1,400,000 | $81,439 | $1,763,000 |
| Unverifiable Information | 575 | $92,150,000 | $148,764 | $875,000 | $80,470 | $420,000 |
| Employment History | 566 | $87,074,000 | $140,185 | $600,000 | $83,444 | $1,967,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 177 | $28,402,000 | $135,769 | $644,000 | $58,038 | $265,000 |
| Credit Application Incomplete | 140 | $18,094,000 | $125,464 | $558,000 | $68,821 | $312,000 |
| Mortgage Insurance Denied | 1 | $88,000 | $88,000 | $88,000 | $47,000 | $47,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2003 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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