First Bank Mortgage Lending & HMDA Data, 2004
In 2004, First Bank of Saint Louis, MO reported 20,280 mortgage applications totaling $3.1 billion, down 37% from 2003. The average application was for $153,117, and applicants reported an average income of $78,745. 40% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,454), Riverside-San Bernardino-Ontario, CA (2,077) and St. Louis, MO-IL (913) (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 | 20,280 |
| Total Mortgage Loan Application Amount | $3,105,221,000 |
| Average Mortgage Loan Application Amount | $153,117 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $78,745 |
| Highest Applicant Income | $4,468,000 |
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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Glendale, CA | 2,454 | $ 547,728,000 | $ 223,198 | $ 101,000 |
| Riverside-San Bernardino-Ontario, CA | 2,077 | $ 369,546,000 | $ 177,922 | $ 83,000 |
| St. Louis, MO-IL | 913 | $ 124,823,000 | $ 136,717 | $ 48,000 |
| Phoenix-Mesa-Scottsdale, AZ | 912 | $ 108,325,000 | $ 118,777 | $ 86,000 |
| Santa Ana-Anaheim-Irvine, CA | 538 | $ 145,717,000 | $ 270,849 | $ 104,000 |
| Houston-Baytown-Sugar Land, TX | 530 | $ 46,338,000 | $ 87,430 | $ 72,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 455 | $ 93,056,000 | $ 204,518 | $ 90,000 |
| Stockton, CA | 441 | $ 77,689,000 | $ 176,165 | $ 86,000 |
| Las Vegas-Paradise, NV | 402 | $ 66,533,000 | $ 165,504 | $ 71,000 |
| San Diego-Carlsbad-San Marcos, CA | 226 | $ 60,216,000 | $ 266,442 | $ 110,000 |
| Orlando, FL | 187 | $ 19,670,000 | $ 105,187 | $ 76,000 |
| Fresno, CA | 185 | $ 23,511,000 | $ 127,086 | $ 80,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 183 | $ 28,321,000 | $ 154,759 | $ 84,000 |
| Oakland-Fremont-Hayward, CA | 179 | $ 43,187,000 | $ 241,268 | $ 103,000 |
| Bakersfield, CA | 175 | $ 20,189,000 | $ 115,365 | $ 69,000 |
| Tampa-St. Petersburg-Clearwater, FL | 169 | $ 19,626,000 | $ 116,130 | $ 67,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 167 | $ 46,902,000 | $ 280,850 | $ 137,000 |
| Vallejo-Fairfield, CA | 165 | $ 38,129,000 | $ 231,084 | $ 89,000 |
| Denver-Aurora, CO | 162 | $ 22,204,000 | $ 137,061 | $ 87,000 |
| Warren-Farmington Hills-Troy, MI | 146 | $ 19,125,000 | $ 130,993 | $ 70,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 144 | $ 20,529,000 | $ 142,562 | $ 70,000 |
| Chicago-Naperville-Joliet, IL | 138 | $ 20,114,000 | $ 145,753 | $ 65,000 |
| Miami-Miami Beach-Kendall, FL | 131 | $ 19,108,000 | $ 145,862 | $ 73,000 |
| Richmond, VA | 119 | $ 12,143,000 | $ 102,042 | $ 67,000 |
| Seattle-Bellevue-Everett, WA | 119 | $ 22,431,000 | $ 188,495 | $ 82,000 |
| Boston-Quincy, MA | 112 | $ 19,672,000 | $ 175,642 | $ 78,000 |
| Detroit-Livonia-Dearborn, MI | 111 | $ 11,607,000 | $ 104,567 | $ 72,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 111 | $ 16,408,000 | $ 147,819 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 90 | $ 11,432,000 | $ 127,022 | $ 68,000 |
| Modesto, CA | 87 | $ 16,844,000 | $ 193,609 | $ 80,000 |
| Bend, OR | 84 | $ 14,381,000 | $ 171,202 | $ 75,000 |
| New Haven-Milford, CT | 81 | $ 7,987,000 | $ 98,604 | $ 58,000 |
| Atlanta-Sandy Springs-Marietta, GA | 80 | $ 10,768,000 | $ 134,600 | $ 70,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 80 | $ 38,959,000 | $ 486,987 | $ 130,000 |
| Tacoma, WA | 80 | $ 10,019,000 | $ 125,237 | $ 78,000 |
| Tucson, AZ | 78 | $ 8,510,000 | $ 109,102 | $ 61,000 |
| Dallas-Plano-Irving, TX | 76 | $ 9,107,000 | $ 119,828 | $ 126,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 75 | $ 33,302,000 | $ 444,026 | $ 259,000 |
| Cincinnati-Middletown, OH-KY-IN | 74 | $ 6,950,000 | $ 93,918 | $ 65,000 |
| Manchester-Nashua, NH | 72 | $ 10,853,000 | $ 150,736 | $ 70,000 |
| Kansas City, MO-KS | 71 | $ 6,902,000 | $ 97,211 | $ 55,000 |
| Jacksonville, FL | 64 | $ 6,722,000 | $ 105,031 | $ 60,000 |
| Memphis, TN-MS-AR | 61 | $ 6,666,000 | $ 109,278 | $ 52,000 |
| Santa Cruz-Watsonville, CA | 61 | $ 23,731,000 | $ 389,032 | $ 135,000 |
| Visalia-Porterville, CA | 61 | $ 6,464,000 | $ 105,967 | $ 66,000 |
| Portland-Vancouver-Beaverton, OR-WA | 60 | $ 7,510,000 | $ 125,166 | $ 63,000 |
| Salt Lake City, UT | 59 | $ 8,716,000 | $ 147,728 | $ 90,000 |
| Columbus, OH | 58 | $ 5,813,000 | $ 100,224 | $ 82,000 |
| El Centro, CA | 58 | $ 6,053,000 | $ 104,362 | $ 62,000 |
| Hartford-West Hartford-East Hartford, CT | 58 | $ 6,768,000 | $ 116,689 | $ 58,000 |
| Jackson, MS | 56 | $ 4,044,000 | $ 72,214 | $ 51,000 |
| Peoria, IL | 56 | $ 4,545,000 | $ 81,160 | $ 38,000 |
| Cape Coral-Fort Myers, FL | 55 | $ 7,050,000 | $ 128,181 | $ 58,000 |
| Cleveland-Elyria-Mentor, OH | 54 | $ 5,401,000 | $ 100,018 | $ 68,000 |
| Merced, CA | 51 | $ 8,485,000 | $ 166,372 | $ 72,000 |
| Rockingham County-Strafford County, NH | 50 | $ 6,711,000 | $ 134,220 | $ 68,000 |
| Palm Bay-Melbourne-Titusville, FL | 49 | $ 4,753,000 | $ 97,000 | $ 49,000 |
| San Francisco-San Mateo-Redwood City, CA | 48 | $ 17,679,000 | $ 368,312 | $ 99,000 |
| Springfield, MA | 47 | $ 5,531,000 | $ 117,680 | $ 54,000 |
| Colorado Springs, CO | 46 | $ 5,087,000 | $ 110,586 | $ 56,000 |
| Des Moines, IA | 45 | $ 3,356,000 | $ 74,577 | $ 55,000 |
| Prescott, AZ | 44 | $ 7,464,000 | $ 169,636 | $ 104,000 |
| Gary, IN | 43 | $ 3,187,000 | $ 74,116 | $ 57,000 |
| Indianapolis, IN | 42 | $ 3,722,000 | $ 88,619 | $ 59,000 |
| Reno-Sparks, NV | 41 | $ 6,978,000 | $ 170,195 | $ 81,000 |
| Cambridge-Newton-Framingham, MA | 40 | $ 7,397,000 | $ 184,925 | $ 76,000 |
| Dayton, OH | 38 | $ 2,968,000 | $ 78,105 | $ 63,000 |
| Omaha-Council Bluffs, NE-IA | 38 | $ 3,142,000 | $ 82,684 | $ 57,000 |
| Essex County, MA | 37 | $ 5,563,000 | $ 150,351 | $ 72,000 |
| Grand Rapids-Wyoming, MI | 35 | $ 3,319,000 | $ 94,828 | $ 59,000 |
| Milwaukee-Waukesha-West Allis, WI | 35 | $ 4,672,000 | $ 133,485 | $ 88,000 |
| Akron, OH | 33 | $ 4,927,000 | $ 149,303 | $ 87,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 33 | $ 3,970,000 | $ 120,303 | $ 58,000 |
| Ocala, FL | 33 | $ 2,549,000 | $ 77,242 | $ 89,000 |
| Albuquerque, NM | 32 | $ 3,981,000 | $ 124,406 | $ 48,000 |
| Baton Rouge, LA | 31 | $ 2,466,000 | $ 79,548 | $ 48,000 |
| Bridgeport-Stamford-Norwalk, CT | 31 | $ 6,846,000 | $ 220,838 | $ 63,000 |
| Columbia, SC | 31 | $ 2,570,000 | $ 82,903 | $ 60,000 |
| El Paso, TX | 30 | $ 1,850,000 | $ 61,666 | $ 47,000 |
| Lakeland, FL | 29 | $ 2,643,000 | $ 91,137 | $ 54,000 |
| Madera, CA | 29 | $ 4,757,000 | $ 164,034 | $ 94,000 |
| Greensboro-High Point, NC | 28 | $ 2,589,000 | $ 92,464 | $ 51,000 |
| Bremerton-Silverdale, WA | 27 | $ 3,927,000 | $ 145,444 | $ 70,000 |
| Brownsville-Harlingen, TX | 27 | $ 2,009,000 | $ 74,407 | $ 61,000 |
| Fort Worth-Arlington, TX | 27 | $ 2,604,000 | $ 96,444 | $ 80,000 |
| Greeley, CO | 27 | $ 3,056,000 | $ 113,185 | $ 51,000 |
| Providence-New Bedford-Fall River, RI-MA | 27 | $ 4,014,000 | $ 148,666 | $ 62,000 |
| Charlotte-Gastonia-Concord, NC-SC | 25 | $ 3,143,000 | $ 125,720 | $ 65,000 |
| Sarasota-Bradenton-Venice, FL | 25 | $ 3,475,000 | $ 139,000 | $ 91,000 |
| Battle Creek, MI | 24 | $ 1,606,000 | $ 66,916 | $ 50,000 |
| Flint, MI | 24 | $ 2,578,000 | $ 107,416 | $ 51,000 |
| Raleigh-Cary, NC | 24 | $ 3,415,000 | $ 142,291 | $ 67,000 |
| Yuba City, CA | 24 | $ 3,671,000 | $ 152,958 | $ 60,000 |
| Baltimore-Towson, MD | 23 | $ 4,276,000 | $ 185,913 | $ 80,000 |
| Hanford-Corcoran, CA | 23 | $ 2,145,000 | $ 93,260 | $ 45,000 |
| Chico, CA | 22 | $ 2,781,000 | $ 126,409 | $ 61,000 |
| Philadelphia, PA | 22 | $ 3,547,000 | $ 161,227 | $ 106,000 |
| San Antonio, TX | 22 | $ 1,741,000 | $ 79,136 | $ 50,000 |
| St. George, UT | 22 | $ 2,295,000 | $ 104,318 | $ 78,000 |
| Worcester, MA | 22 | $ 3,396,000 | $ 154,363 | $ 94,000 |
| Louisville, KY-IN | 21 | $ 1,807,000 | $ 86,047 | $ 47,000 |
| Austin-Round Rock, TX | 20 | $ 1,992,000 | $ 99,600 | $ 82,000 |
| Fort Walton Beach-Crestview-Destin, FL | 20 | $ 2,163,000 | $ 108,150 | $ 51,000 |
| Gulfport-Biloxi, MS | 20 | $ 1,324,000 | $ 66,200 | $ 42,000 |
| Lansing-East Lansing, MI | 20 | $ 3,341,000 | $ 167,050 | $ 79,000 |
| Napa, CA | 20 | $ 4,503,000 | $ 225,150 | $ 102,000 |
| Pensacola-Ferry Pass-Brent, FL | 20 | $ 1,997,000 | $ 99,850 | $ 58,000 |
| Santa Rosa-Petaluma, CA | 20 | $ 5,196,000 | $ 259,800 | $ 128,000 |
| Beaumont-Port Arthur, TX | 19 | $ 967,000 | $ 50,894 | $ 45,000 |
| Boise City-Nampa, ID | 19 | $ 1,985,000 | $ 104,473 | $ 83,000 |
| Port St. Lucie-Fort Pierce, FL | 19 | $ 2,347,000 | $ 123,526 | $ 57,000 |
| Canton-Massillon, OH | 18 | $ 1,313,000 | $ 72,944 | $ 74,000 |
| Little Rock-North Little Rock, AR | 18 | $ 1,282,000 | $ 71,222 | $ 48,000 |
| Ogden-Clearfield, UT | 18 | $ 1,479,000 | $ 82,166 | $ 61,000 |
| Wichita, KS | 18 | $ 1,401,000 | $ 77,833 | $ 47,000 |
| Youngstown-Warren-Boardman, OH-PA | 18 | $ 1,437,000 | $ 79,833 | $ 67,000 |
| Kalamazoo-Portage, MI | 17 | $ 1,754,000 | $ 103,176 | $ 60,000 |
| Niles-Benton Harbor, MI | 17 | $ 1,384,000 | $ 81,411 | $ 105,000 |
| Springfield, IL | 17 | $ 1,402,000 | $ 82,470 | $ 37,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 16 | $ 1,497,000 | $ 93,562 | $ 62,000 |
| Salinas, CA | 16 | $ 4,120,000 | $ 257,500 | $ 96,000 |
| Springfield, MO | 16 | $ 1,755,000 | $ 109,687 | $ 52,000 |
| Provo-Orem, UT | 15 | $ 1,912,000 | $ 127,466 | $ 77,000 |
| Winston-Salem, NC | 15 | $ 1,316,000 | $ 87,733 | $ 46,000 |
| Yuma, AZ | 15 | $ 1,196,000 | $ 79,733 | $ 47,000 |
| Naples-Marco Island, FL | 14 | $ 2,541,000 | $ 181,500 | $ 306,000 |
| Nashville-Davidson--Murfreesboro, TN | 14 | $ 1,717,000 | $ 122,642 | $ 54,000 |
| New Orleans-Metairie-Kenner, LA | 14 | $ 1,759,000 | $ 125,642 | $ 133,000 |
| San Luis Obispo-Paso Robles, CA | 14 | $ 4,969,000 | $ 354,928 | $ 144,000 |
| Spokane, WA | 14 | $ 1,456,000 | $ 104,000 | $ 51,000 |
| Tallahassee, FL | 14 | $ 1,494,000 | $ 106,714 | $ 54,000 |
| Charleston-North Charleston, SC | 13 | $ 1,403,000 | $ 107,923 | $ 79,000 |
| Pittsburgh, PA | 13 | $ 1,068,000 | $ 82,153 | $ 59,000 |
| Toledo, OH | 13 | $ 1,343,000 | $ 103,307 | $ 61,000 |
| Bethesda-Frederick-Gaithersburg, MD | 12 | $ 2,245,000 | $ 187,083 | $ 130,000 |
| Fayetteville, NC | 12 | $ 1,209,000 | $ 100,750 | $ 125,000 |
| Jefferson City, MO | 12 | $ 839,000 | $ 69,916 | $ 41,000 |
| Lincoln, NE | 12 | $ 1,233,000 | $ 102,750 | $ 45,000 |
| Knoxville, TN | 11 | $ 806,000 | $ 73,272 | $ 50,000 |
| McAllen-Edinburg-Pharr, TX | 11 | $ 685,000 | $ 62,272 | $ 50,000 |
| Topeka, KS | 11 | $ 1,315,000 | $ 119,545 | $ 34,000 |
| Flagstaff, AZ | 10 | $ 1,661,000 | $ 166,100 | $ 179,000 |
| Lexington-Fayette, KY | 10 | $ 715,000 | $ 71,500 | $ 39,000 |
| St. Joseph, MO-KS | 10 | $ 902,000 | $ 90,200 | $ 56,000 |
| Anchorage, AK | 9 | $ 1,579,000 | $ 175,444 | $ 88,000 |
| Cedar Rapids, IA | 9 | $ 610,000 | $ 67,777 | $ 62,000 |
| Davenport-Moline-Rock Island, IA-IL | 9 | $ 629,000 | $ 69,888 | $ 34,000 |
| Durham, NC | 9 | $ 1,102,000 | $ 122,444 | $ 37,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 823,000 | $ 91,444 | $ 31,000 |
| Medford, OR | 9 | $ 1,175,000 | $ 130,555 | $ 45,000 |
| Muskegon-Norton Shores, MI | 9 | $ 777,000 | $ 86,333 | $ 49,000 |
| Olympia, WA | 9 | $ 1,005,000 | $ 111,666 | $ 55,000 |
| Portland-South Portland-Biddeford, ME | 9 | $ 3,751,000 | $ 416,777 | $ 231,000 |
| Pueblo, CO | 9 | $ 676,000 | $ 75,111 | $ 99,000 |
| Punta Gorda, FL | 9 | $ 999,000 | $ 111,000 | $ 52,000 |
| Redding, CA | 9 | $ 1,107,000 | $ 123,000 | $ 129,000 |
| Rochester, MN | 9 | $ 911,000 | $ 101,222 | $ 45,000 |
| Salem, OR | 9 | $ 709,000 | $ 78,777 | $ 40,000 |
| Santa Fe, NM | 9 | $ 1,665,000 | $ 185,000 | $ 98,000 |
| Asheville, NC | 8 | $ 1,124,000 | $ 140,500 | $ 53,000 |
| Barnstable Town, MA | 8 | $ 1,553,000 | $ 194,125 | $ 120,000 |
| Casper, WY | 8 | $ 697,000 | $ 87,125 | $ 40,000 |
| Eugene-Springfield, OR | 8 | $ 1,099,000 | $ 137,375 | $ 28,000 |
| Evansville, IN-KY | 8 | $ 1,073,000 | $ 134,125 | $ 77,000 |
| Gainesville, FL | 8 | $ 666,000 | $ 83,250 | $ 151,000 |
| Hot Springs, AR | 8 | $ 772,000 | $ 96,500 | $ 121,000 |
| Johnson City, TN | 8 | $ 466,000 | $ 58,250 | $ 61,000 |
| Joplin, MO | 8 | $ 709,000 | $ 88,625 | $ 55,000 |
| Macon, GA | 8 | $ 869,000 | $ 108,625 | $ 62,000 |
| Pocatello, ID | 8 | $ 810,000 | $ 101,250 | $ 43,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 569,000 | $ 71,125 | $ 50,000 |
| Spartanburg, SC | 8 | $ 641,000 | $ 80,125 | $ 59,000 |
| Yakima, WA | 8 | $ 742,000 | $ 92,750 | $ 51,000 |
| Greenville, SC | 7 | $ 596,000 | $ 85,142 | $ 44,000 |
| Jacksonville, NC | 7 | $ 699,000 | $ 99,857 | $ 48,000 |
| Jonesboro, AR | 7 | $ 666,000 | $ 95,142 | $ 90,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 804,000 | $ 114,857 | $ 64,000 |
| Panama City-Lynn Haven, FL | 7 | $ 657,000 | $ 93,857 | $ 49,000 |
| Pittsfield, MA | 7 | $ 497,000 | $ 71,000 | $ 60,000 |
| Waterloo-Cedar Falls, IA | 7 | $ 611,000 | $ 87,285 | $ 101,000 |
| Ann Arbor, MI | 6 | $ 887,000 | $ 147,833 | $ 59,000 |
| Billings, MT | 6 | $ 679,000 | $ 113,166 | $ 64,000 |
| Cheyenne, WY | 6 | $ 584,000 | $ 97,333 | $ 52,000 |
| Coeur D'Alene, ID | 6 | $ 625,000 | $ 104,166 | $ 74,000 |
| Elizabethtown, KY | 6 | $ 494,000 | $ 82,333 | $ 67,000 |
| Harrisburg-Carlisle, PA | 6 | $ 624,000 | $ 104,000 | $ 53,000 |
| Kennewick-Richland-Pasco, WA | 6 | $ 521,000 | $ 86,833 | $ 48,000 |
| Las Cruces, NM | 6 | $ 558,000 | $ 93,000 | $ 40,000 |
| Lima, OH | 6 | $ 531,000 | $ 88,500 | $ 55,000 |
| Logan, UT-ID | 6 | $ 669,000 | $ 111,500 | $ 50,000 |
| Nassau-Suffolk, NY | 6 | $ 1,099,000 | $ 183,166 | $ 49,000 |
| Pascagoula, MS | 6 | $ 426,000 | $ 71,000 | $ 31,000 |
| Pine Bluff, AR | 6 | $ 415,000 | $ 69,166 | $ 58,000 |
| Appleton, WI | 5 | $ 316,000 | $ 63,200 | $ 60,000 |
| Columbia, MO | 5 | $ 538,000 | $ 107,600 | $ 59,000 |
| Duluth, MN-WI | 5 | $ 505,000 | $ 101,000 | $ 46,000 |
| Grand Junction, CO | 5 | $ 718,000 | $ 143,600 | $ 62,000 |
| Holland-Grand Haven, MI | 5 | $ 380,000 | $ 76,000 | $ 56,000 |
| Jackson, MI | 5 | $ 647,000 | $ 129,400 | $ 168,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 587,000 | $ 117,400 | $ 95,000 |
| Longview, WA | 5 | $ 660,000 | $ 132,000 | $ 49,000 |
| Norwich-New London, CT | 5 | $ 659,000 | $ 131,800 | $ 54,000 |
| Oklahoma City, OK | 5 | $ 416,000 | $ 83,200 | $ 123,000 |
| Rockford, IL | 5 | $ 615,000 | $ 123,000 | $ 59,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 290,000 | $ 58,000 | $ 52,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 592,000 | $ 118,400 | $ 318,000 |
| Anderson, SC | 4 | $ 454,000 | $ 113,500 | $ 90,000 |
| Athens-Clarke County, GA | 4 | $ 297,000 | $ 74,250 | $ 50,000 |
| Carson City, NV | 4 | $ 840,000 | $ 210,000 | $ 59,000 |
| Dalton, GA | 4 | $ 468,000 | $ 117,000 | $ 64,000 |
| Decatur, IL | 4 | $ 122,000 | $ 30,500 | $ 20,000 |
| Fort Smith, AR-OK | 4 | $ 386,000 | $ 96,500 | $ 79,000 |
| Fort Wayne, IN | 4 | $ 513,000 | $ 128,250 | $ 96,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 346,000 | $ 86,500 | $ 53,000 |
| Lawrence, KS | 4 | $ 416,000 | $ 104,000 | $ 124,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 658,000 | $ 164,500 | $ 95,000 |
| Oshkosh-Neenah, WI | 4 | $ 399,000 | $ 99,750 | $ 44,000 |
| Wenatchee, WA | 4 | $ 389,000 | $ 97,250 | $ 37,000 |
| Wilmington, NC | 4 | $ 594,000 | $ 148,500 | $ 71,000 |
| Bellingham, WA | 3 | $ 537,000 | $ 179,000 | $ 53,000 |
| Boulder, CO | 3 | $ 449,000 | $ 149,666 | $ 75,000 |
| Burlington, NC | 3 | $ 257,000 | $ 85,666 | $ 79,000 |
| Corvallis, OR | 3 | $ 437,000 | $ 145,666 | $ 55,000 |
| Fort Collins-Loveland, CO | 3 | $ 691,000 | $ 230,333 | $ 144,000 |
| Iowa City, IA | 3 | $ 267,000 | $ 89,000 | $ 32,000 |
| Johnstown, PA | 3 | $ 138,000 | $ 46,000 | $ 59,000 |
| Madison, WI | 3 | $ 1,087,000 | $ 362,333 | $ 101,000 |
| Missoula, MT | 3 | $ 365,000 | $ 121,666 | $ 36,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 1,144,000 | $ 381,333 | $ 148,000 |
| Racine, WI | 3 | $ 292,000 | $ 97,333 | $ 46,000 |
| Roanoke, VA | 3 | $ 274,000 | $ 91,333 | $ 48,000 |
| Sandusky, OH | 3 | $ 481,000 | $ 160,333 | $ 84,000 |
| Shreveport-Bossier City, LA | 3 | $ 152,000 | $ 50,666 | $ 39,000 |
| York-Hanover, PA | 3 | $ 189,000 | $ 63,000 | $ 36,000 |
| Amarillo, TX | 2 | $ 116,000 | $ 58,000 | $ 199,000 |
| Bloomington-Normal, IL | 2 | $ 728,000 | $ 364,000 | $ 335,000 |
| Champaign-Urbana, IL | 2 | $ 336,000 | $ 168,000 | $ 70,000 |
| Clarksville, TN-KY | 2 | $ 148,000 | $ 74,000 | $ 34,000 |
| Columbus, GA-AL | 2 | $ 139,000 | $ 69,500 | $ 198,000 |
| Eau Claire, WI | 2 | $ 97,000 | $ 48,500 | $ 36,000 |
| Elkhart-Goshen, IN | 2 | $ 129,000 | $ 64,500 | $ 32,000 |
| Erie, PA | 2 | $ 134,000 | $ 67,000 | $ 28,000 |
| Fairbanks, AK | 2 | $ 268,000 | $ 134,000 | $ 62,000 |
| Farmington, NM | 2 | $ 572,000 | $ 286,000 | $ 88,000 |
| Florence, SC | 2 | $ 129,000 | $ 64,500 | $ 16,000 |
| Gainesville, GA | 2 | $ 164,000 | $ 82,000 | $ 58,000 |
| Great Falls, MT | 2 | $ 218,000 | $ 109,000 | $ 46,000 |
| Idaho Falls, ID | 2 | $ 168,000 | $ 84,000 | $ 65,000 |
| Lafayette, IN | 2 | $ 215,000 | $ 107,500 | $ 50,000 |
| Lafayette, LA | 2 | $ 233,000 | $ 116,500 | $ 21,000 |
| Lancaster, PA | 2 | $ 120,000 | $ 60,000 | $ 30,000 |
| Mansfield, OH | 2 | $ 96,000 | $ 48,000 | $ 50,000 |
| Midland, TX | 2 | $ 150,000 | $ 75,000 | $ 54,000 |
| Monroe, MI | 2 | $ 255,000 | $ 127,500 | $ 62,000 |
| Owensboro, KY | 2 | $ 118,000 | $ 59,000 | $ 15,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 167,000 | $ 83,500 | $ 75,000 |
| Reading, PA | 2 | $ 280,000 | $ 140,000 | $ 48,000 |
| Rochester, NY | 2 | $ 244,000 | $ 122,000 | $ 126,000 |
| Savannah, GA | 2 | $ 108,000 | $ 54,000 | $ 34,000 |
| Sherman-Denison, TX | 2 | $ 122,000 | $ 61,000 | $ 60,000 |
| Tulsa, OK | 2 | $ 281,000 | $ 140,500 | $ 92,000 |
| Tyler, TX | 2 | $ 238,000 | $ 119,000 | $ 54,000 |
| Vero Beach, FL | 2 | $ 101,000 | $ 50,500 | $ 40,000 |
| Winchester, VA-WV | 2 | $ 191,000 | $ 95,500 | $ 44,000 |
| Abilene, TX | 1 | $ 374,000 | $ 374,000 | $ 269,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 162,000 | $ 162,000 | $ 71,000 |
| Altoona, PA | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Bay City, MI | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Birmingham-Hoover, AL | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Bloomington, IN | 1 | $ 60,000 | $ 60,000 | $ 23,000 |
| Bowling Green, KY | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 37,000 | $ 37,000 | $ 43,000 |
| Camden, NJ | 1 | $ 199,000 | $ 199,000 | $ 50,000 |
| Charleston, WV | 1 | $ 160,000 | $ 160,000 | $ 32,000 |
| Chattanooga, TN-GA | 1 | $ 182,000 | $ 182,000 | $ 91,000 |
| College Station-Bryan, TX | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
| Corpus Christi, TX | 1 | $ 148,000 | $ 148,000 | $ 37,000 |
| Dubuque, IA | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Edison, NJ | 1 | $ 351,000 | $ 351,000 | $ 133,000 |
| Goldsboro, NC | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Greenville, NC | 1 | $ 104,000 | $ 104,000 | $ 40,000 |
| Hattiesburg, MS | 1 | $ 56,000 | $ 56,000 | $ 29,000 |
| Janesville, WI | 1 | $ 54,000 | $ 54,000 | $ 29,000 |
| Kankakee-Bradley, IL | 1 | $ 136,000 | $ 136,000 | $ 54,000 |
| Kokomo, IN | 1 | $ 47,000 | $ 47,000 | $ 26,000 |
| Lake Charles, LA | 1 | $ 57,000 | $ 57,000 | $ 57,000 |
| Lewiston, ID-WA | 1 | $ 87,000 | $ 87,000 | $ 50,000 |
| Longview, TX | 1 | $ 912,000 | $ 912,000 | $ 264,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 150,000 | $ 150,000 | $ 204,000 |
| Rapid City, SD | 1 | $ 284,000 | $ 284,000 | $ 85,000 |
| Rocky Mount, NC | 1 | $ 83,000 | $ 83,000 | $ 60,000 |
| Sioux Falls, SD | 1 | $ 93,000 | $ 93,000 | $ 84,000 |
| St. Cloud, MN | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Terre Haute, IN | 1 | $ 57,000 | $ 57,000 | $ 30,000 |
| Warner Robins, GA | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for First Bank in 2004
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 | 10,498 | $1,490,880,000 | $111,340 | $6,050,000 | $69,787 | $4,320,000 |
| Refinancing | 8,710 | $1,488,022,000 | $147,531 | $10,000,000 | $75,063 | $4,468,000 |
| Home Improvement | 1,072 | $126,319,000 | $121,394 | $1,850,000 | $66,289 | $2,304,000 |
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 | 10,434 | $1,525,427,000 | $128,914 | $10,000,000 | $76,106 | $4,468,000 |
| Hispanic | 4,864 | $788,242,000 | $111,162 | $1,747,000 | $62,864 | $2,304,000 |
| Black or African American | 1,961 | $265,021,000 | $135,666 | $850,000 | $73,277 | $398,000 |
| Not Provided | 1,880 | $267,543,000 | $129,139 | $1,050,000 | $66,651 | $1,350,000 |
| Asian | 846 | $174,711,000 | $133,406 | $2,240,000 | $81,218 | $781,000 |
| American Indian or Alaskan Native | 126 | $20,669,000 | $113,894 | $813,000 | $77,000 | $2,160,000 |
| Native Hawaiian or Other Pacific Islander | 109 | $22,711,000 | $131,071 | $1,433,000 | $59,785 | $627,000 |
| Not applicable | 60 | $40,897,000 | $1,294,000 | $9,000,000 | $18,857 | $276,000 |
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) | 20,143 | $3,094,295,000 | $128,166 | $10,000,000 | $73,083 | $4,468,000 |
| FHA-insured (Federal Housing Administration) | 79 | $5,849,000 | $75,666 | $244,000 | $33,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 35 | $3,677,000 | $94,000 | $240,000 | $23,250 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $1,400,000 | $61,333 | $93,000 | $29,333 | $55,000 |
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 | 8,191 | $1,237,983,000 | $118,954 | $10,000,000 | $68,636 | $4,468,000 |
| Application Denied By Financial Institution | 6,940 | $1,072,557,000 | $129,354 | $2,650,000 | $74,916 | $2,820,000 |
| Application Approved But Not Accepted | 2,525 | $418,758,000 | $118,350 | $1,850,000 | $64,025 | $2,144,000 |
| Application Withdrawn By Applicant | 2,060 | $299,250,000 | $126,642 | $1,200,000 | $68,380 | $1,350,000 |
| Preapproval Denied by Financial Institution | 521 | $71,330,000 | $136,000 | $660,000 | $74,000 | $708,000 |
| Loan Purchased By The Institution | 28 | $2,794,000 | $96,166 | $343,000 | $82,666 | $240,000 |
| File Closed For Incompleteness | 15 | $2,549,000 | $168,200 | $705,000 | $74,800 | $281,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3,192 | $449,529,000 | $117,000 | $2,650,000 | $66,136 | $850,000 |
| Employment History | 1,006 | $156,264,000 | $104,527 | $865,000 | $70,694 | $743,000 |
| Other | 1,000 | $166,165,000 | $144,260 | $1,000,000 | $75,521 | $2,160,000 |
| Collateral | 932 | $139,834,000 | $136,523 | $2,400,000 | $81,166 | $2,820,000 |
| Debt-To-Income Ratio | 655 | $109,443,000 | $141,176 | $1,493,000 | $58,088 | $303,000 |
| Unverifiable Information | 529 | $97,838,000 | $159,676 | $765,000 | $118,147 | $1,620,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 122 | $20,614,000 | $135,961 | $1,300,000 | $50,807 | $300,000 |
| Credit Application Incomplete | 18 | $2,896,000 | $156,363 | $329,000 | $164,818 | $708,000 |
| Mortgage Insurance Denied | 5 | $749,000 | $138,500 | $334,000 | $71,000 | $77,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2004 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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