First Bank Mortgage Lending & HMDA Data, 2013
In 2013, First Bank of Saint Louis, MO reported 2,919 mortgage applications totaling $601.8 million, down 35% from 2012. The average application was for $206,170, and applicants reported an average income of $92,683. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were St. Louis, MO-IL (1,300), Los Angeles-Long Beach-Glendale, CA (183) and Sacramento--Arden-Arcade--Roseville, CA (131) (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 | 2,919 |
| Total Mortgage Loan Application Amount | $601,813,000 |
| Average Mortgage Loan Application Amount | $206,170 |
| Highest Mortgage Loan Application Amount | $9,000,000 |
| Average Applicant Income | $92,683 |
| Highest Applicant Income | $2,546,000 |
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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,300 | $ 185,031,000 | $ 142,331 | $ 79,061 |
| Los Angeles-Long Beach-Glendale, CA | 183 | $ 64,085,000 | $ 350,191 | $ 142,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 131 | $ 31,181,000 | $ 238,022 | $ 102,000 |
| Santa Ana-Anaheim-Irvine, CA | 104 | $ 41,468,000 | $ 398,730 | $ 145,000 |
| Riverside-San Bernardino-Ontario, CA | 93 | $ 19,167,000 | $ 206,096 | $ 93,000 |
| San Diego-Carlsbad-San Marcos, CA | 81 | $ 19,346,000 | $ 238,839 | $ 101,000 |
| Oakland-Fremont-Hayward, CA | 73 | $ 31,234,000 | $ 427,863 | $ 120,000 |
| Vallejo-Fairfield, CA | 73 | $ 17,049,000 | $ 233,547 | $ 86,000 |
| San Francisco-San Mateo-Redwood City, CA | 49 | $ 29,303,000 | $ 598,020 | $ 162,000 |
| North Port-Bradenton-Sarasota, FL | 40 | $ 4,892,000 | $ 122,300 | $ 79,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 38 | $ 16,174,000 | $ 425,631 | $ 122,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 31 | $ 8,757,000 | $ 282,483 | $ 136,000 |
| Chicago-Joliet-Naperville, IL | 30 | $ 5,144,000 | $ 171,466 | $ 122,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 29 | $ 9,964,000 | $ 343,586 | $ 103,000 |
| Tampa-St. Petersburg-Clearwater, FL | 19 | $ 3,428,000 | $ 180,421 | $ 75,000 |
| Houston-Sugar Land-Baytown, TX | 17 | $ 2,476,000 | $ 145,647 | $ 102,000 |
| Bakersfield-Delano, CA | 7 | $ 878,000 | $ 125,428 | $ 64,000 |
| Napa, CA | 7 | $ 2,028,000 | $ 289,714 | $ 107,000 |
| Peoria, IL | 7 | $ 944,000 | $ 134,857 | $ 65,000 |
| Atlanta-Sandy Springs-Marietta, GA | 6 | $ 1,635,000 | $ 272,500 | $ 212,000 |
| Kansas City, MO-KS | 6 | $ 778,000 | $ 129,666 | $ 96,000 |
| Phoenix-Mesa-Glendale, AZ | 6 | $ 13,393,000 | $ 2,232,166 | $ 59,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 767,000 | $ 153,400 | $ 110,400 |
| Cape Girardeau-Jackson, MO-IL | 4 | $ 526,000 | $ 131,500 | $ 58,750 |
| Colorado Springs, CO | 4 | $ 816,000 | $ 204,000 | $ 69,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,518,000 | $ 379,500 | $ 126,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,360,000 | $ 340,000 | $ 243,000 |
| Stockton, CA | 4 | $ 856,000 | $ 214,000 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,200,000 | $ 400,000 | $ 133,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 453,000 | $ 151,000 | $ 45,000 |
| Madison, WI | 3 | $ 258,000 | $ 86,000 | $ 125,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 510,000 | $ 170,000 | $ 41,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 418,000 | $ 209,000 | $ 185,000 |
| Fort Worth-Arlington, TX | 2 | $ 219,000 | $ 109,500 | $ 53,000 |
| Fresno, CA | 2 | $ 720,000 | $ 360,000 | $ 135,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 264,000 | $ 132,000 | $ 123,000 |
| Jacksonville, FL | 2 | $ 622,000 | $ 311,000 | $ 236,000 |
| Jefferson City, MO | 2 | $ 249,000 | $ 124,500 | $ 25,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 254,000 | $ 127,000 | $ 41,000 |
| Reno-Sparks, NV | 2 | $ 463,000 | $ 231,500 | $ 88,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 550,000 | $ 275,000 | $ 119,000 |
| Springfield, IL | 2 | $ 146,000 | $ 73,000 | $ 90,000 |
| Springfield, MO | 2 | $ 258,000 | $ 129,000 | $ 48,000 |
| Yuba City, CA | 2 | $ 216,000 | $ 108,000 | $ 39,000 |
| Anderson, SC | 1 | $ 135,000 | $ 135,000 | $ 402,000 |
| Birmingham-Hoover, AL | 1 | $ 198,000 | $ 198,000 | $ 62,000 |
| Bloomington-Normal, IL | 1 | $ 207,000 | $ 207,000 | $ 183,000 |
| Boise City-Nampa, ID | 1 | $ 136,000 | $ 136,000 | $ 172,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 158,000 | $ 158,000 | $ 70,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 223,000 | $ 223,000 | $ 60,000 |
| Chico, CA | 1 | $ 370,000 | $ 370,000 | $ 153,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 124,000 | $ 124,000 | $ 52,000 |
| Columbia, MO | 1 | $ 95,000 | $ 95,000 | $ 115,000 |
| Dallas-Plano-Irving, TX | 1 | $ 385,000 | $ 385,000 | $ 126,000 |
| El Centro, CA | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
| Elkhart-Goshen, IN | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Florence-Muscle Shoals, AL | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 70,000 | $ 70,000 | $ 64,000 |
| Lakeland-Winter Haven, FL | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Las Vegas-Paradise, NV | 1 | $ 6,000,000 | $ 6,000,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 107,000 | $ 107,000 | $ 102,000 |
| Memphis, TN-MS-AR | 1 | $ 73,000 | $ 73,000 | $ 43,000 |
| Modesto, CA | 1 | $ 88,000 | $ 88,000 | $ 86,000 |
| Montgomery, AL | 1 | $ 300,000 | $ 300,000 | $ 903,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 140,000 | $ 140,000 | $ 80,000 |
| New Haven-Milford, CT | 1 | $ 40,000 | $ 40,000 | $ 69,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 143,000 | $ 143,000 | $ 88,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 67,000 | $ 67,000 | $ 180,000 |
| Palm Coast, FL | 1 | $ 116,000 | $ 116,000 | $ 92,000 |
| Port St. Lucie, FL | 1 | $ 56,000 | $ 56,000 | $ 70,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 62,000 | $ 62,000 | $ 20,000 |
| Punta Gorda, FL | 1 | $ 259,000 | $ 259,000 | $ 76,000 |
| Raleigh-Cary, NC | 1 | $ 288,000 | $ 288,000 | $ 72,000 |
| Redding, CA | 1 | $ 450,000 | $ 450,000 | $ 317,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 140,000 | $ 140,000 | $ 81,000 |
| Salinas, CA | 1 | $ 380,000 | $ 380,000 | $ 116,000 |
| Savannah, GA | 1 | $ 146,000 | $ 146,000 | $ 44,000 |
| Topeka, KS | 1 | $ 182,000 | $ 182,000 | $ 53,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 950,000 | $ 950,000 | $ 633,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 106,000 | $ 106,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for First Bank in 2013
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 | 1,673 | $358,828,000 | $214,000 | $7,750,000 | $96,000 | $2,531,000 |
| Home Purchase | 1,001 | $216,051,000 | $215,000 | $9,000,000 | $90,000 | $2,546,000 |
| Home Improvement | 245 | $26,934,000 | $109,000 | $1,100,000 | $81,000 | $355,000 |
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 | 2,133 | $382,045,000 | $179,000 | $2,430,000 | $91,000 | $2,546,000 |
| Not Provided | 285 | $60,294,000 | $211,000 | $1,515,000 | $100,000 | $945,000 |
| Asian | 200 | $67,551,000 | $337,000 | $1,755,000 | $120,000 | $385,000 |
| Hispanic | 167 | $36,798,000 | $220,000 | $975,000 | $85,000 | $1,025,000 |
| Black or African American | 99 | $13,902,000 | $140,000 | $467,000 | $82,000 | $903,000 |
| Not applicable | 16 | $37,662,000 | $2,353,000 | $9,000,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,695,000 | $245,000 | $518,000 | $91,000 | $158,000 |
| American Indian or Alaskan Native | 8 | $866,000 | $108,000 | $169,000 | $66,000 | $136,000 |
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) | 2,415 | $519,879,000 | $215,000 | $9,000,000 | $101,000 | $2,546,000 |
| FHA-insured (Federal Housing Administration) | 316 | $49,315,000 | $156,000 | $729,000 | $56,000 | $402,000 |
| VA-guaranteed (Veterans Administration) | 120 | $24,436,000 | $203,000 | $546,000 | $48,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $8,183,000 | $120,000 | $1,172,000 | $38,000 | $70,000 |
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 | 1,882 | $385,731,000 | $204,000 | $9,000,000 | $94,000 | $2,531,000 |
| Application Denied By Financial Institution | 522 | $99,733,000 | $191,000 | $1,800,000 | $81,000 | $2,546,000 |
| Application Approved But Not Accepted | 217 | $44,494,000 | $205,000 | $1,000,000 | $99,000 | $720,000 |
| Application Withdrawn By Applicant | 186 | $42,487,000 | $228,000 | $2,430,000 | $106,000 | $1,099,000 |
| File Closed For Incompleteness | 56 | $12,540,000 | $223,000 | $898,000 | $87,000 | $541,000 |
| Preapproval Denied by Financial Institution | 56 | $16,828,000 | $300,000 | $1,125,000 | $76,000 | $288,000 |
| 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 | 182 | $45,780,000 | $251,000 | $1,800,000 | $59,000 | $328,000 |
| Collateral | 147 | $25,102,000 | $170,000 | $1,200,000 | $107,000 | $2,546,000 |
| Credit History | 127 | $20,704,000 | $163,000 | $1,100,000 | $86,000 | $945,000 |
| Other | 66 | $12,907,000 | $195,000 | $1,106,000 | $81,000 | $288,000 |
| Employment History | 30 | $4,483,000 | $149,000 | $625,000 | $50,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,013,000 | $273,000 | $852,000 | $82,000 | $191,000 |
| Unverifiable Information | 11 | $2,931,000 | $266,000 | $1,316,000 | $73,000 | $197,000 |
| Credit Application Incomplete | 3 | $1,495,000 | $498,000 | $1,125,000 | $122,000 | $208,000 |
| Mortgage Insurance Denied | 1 | $146,000 | $146,000 | $146,000 | $57,000 | $57,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2013 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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