First Bank Mortgage Lending & HMDA Data, 2015
In 2015, First Bank of Saint Louis, MO reported 2,807 mortgage applications totaling $858.6 million, up 27% from 2014. The average application was for $305,877, and applicants reported an average income of $118,687. 67% of its applications resulted in an originated loan and 14% were denied. Its largest markets were St. Louis, MO-IL (983), Los Angeles-Long Beach-Glendale, CA (246) and Riverside-San Bernardino-Ontario, CA (138) (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 | 2,807 |
| Total Mortgage Loan Application Amount | $858,598,000 |
| Average Mortgage Loan Application Amount | $305,877 |
| Highest Mortgage Loan Application Amount | $16,000,000 |
| Average Applicant Income | $118,687 |
| Highest Applicant Income | $3,529,000 |
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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 983 | $ 191,789,000 | $ 195,105 | $ 87,307 |
| Los Angeles-Long Beach-Glendale, CA | 246 | $ 148,150,000 | $ 602,235 | $ 236,000 |
| Riverside-San Bernardino-Ontario, CA | 138 | $ 48,193,000 | $ 349,224 | $ 111,000 |
| Oakland-Hayward-Berkeley, CA | 100 | $ 48,614,000 | $ 486,140 | $ 151,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 98 | $ 48,002,000 | $ 489,816 | $ 153,000 |
| San Francisco-Redwood City-South San Francisco, CA | 90 | $ 57,650,000 | $ 640,555 | $ 198,000 |
| Anaheim-Santa Ana-Irvine, CA | 81 | $ 34,675,000 | $ 428,086 | $ 146,000 |
| San Diego-Carlsbad, CA | 66 | $ 26,815,000 | $ 406,287 | $ 156,000 |
| Vallejo-Fairfield, CA | 63 | $ 15,981,000 | $ 253,666 | $ 105,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 50 | $ 12,154,000 | $ 243,080 | $ 104,000 |
| Santa Rosa, CA | 44 | $ 17,193,000 | $ 390,750 | $ 133,000 |
| Santa Maria-Santa Barbara, CA | 40 | $ 16,543,000 | $ 413,575 | $ 146,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 38 | $ 15,467,000 | $ 407,026 | $ 136,000 |
| North Port-Sarasota-Bradenton, FL | 34 | $ 4,156,000 | $ 122,235 | $ 69,000 |
| Cape Coral-Fort Myers, FL | 23 | $ 4,107,000 | $ 178,565 | $ 81,000 |
| Stockton-Lodi, CA | 19 | $ 5,209,000 | $ 274,157 | $ 102,000 |
| Houston-The Woodlands-Sugar Land, TX | 13 | $ 1,626,000 | $ 125,076 | $ 76,000 |
| Carbondale-Marion, IL | 12 | $ 1,074,000 | $ 89,500 | $ 58,000 |
| Salinas, CA | 10 | $ 5,418,000 | $ 541,800 | $ 179,000 |
| Merced, CA | 9 | $ 1,818,000 | $ 202,000 | $ 89,000 |
| San Rafael, CA | 9 | $ 3,877,000 | $ 430,777 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 1,916,000 | $ 212,888 | $ 92,000 |
| Modesto, CA | 8 | $ 1,790,000 | $ 223,750 | $ 86,000 |
| Napa, CA | 8 | $ 3,648,000 | $ 456,000 | $ 128,000 |
| Bakersfield, CA | 7 | $ 1,253,000 | $ 179,000 | $ 75,000 |
| Chicago-Naperville-Arlington Heights, IL | 7 | $ 1,425,000 | $ 203,571 | $ 88,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,746,000 | $ 249,428 | $ 100,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 2,431,000 | $ 347,285 | $ 176,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 2,655,000 | $ 379,285 | $ 149,000 |
| Austin-Round Rock, TX | 6 | $ 1,241,000 | $ 206,833 | $ 121,000 |
| Kansas City, MO-KS | 6 | $ 911,000 | $ 151,833 | $ 80,333 |
| Peoria, IL | 6 | $ 927,000 | $ 154,500 | $ 97,000 |
| Cape Girardeau, MO-IL | 5 | $ 686,000 | $ 137,200 | $ 61,400 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 1,029,000 | $ 205,800 | $ 64,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,264,000 | $ 252,800 | $ 123,000 |
| Fresno, CA | 4 | $ 693,000 | $ 173,250 | $ 139,000 |
| Reno, NV | 4 | $ 6,668,000 | $ 1,667,000 | $ 1,331,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,468,000 | $ 367,000 | $ 146,000 |
| Chico, CA | 3 | $ 578,000 | $ 192,666 | $ 401,000 |
| College Station-Bryan, TX | 3 | $ 642,000 | $ 214,000 | $ 950,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 248,000 | $ 82,666 | $ 77,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 496,000 | $ 165,333 | $ 56,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 765,000 | $ 255,000 | $ 106,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 460,000 | $ 230,000 | $ 73,000 |
| El Paso, TX | 2 | $ 167,000 | $ 83,500 | $ 159,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 223,000 | $ 111,500 | $ 87,000 |
| Jefferson City, MO | 2 | $ 275,000 | $ 137,500 | $ 59,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 484,000 | $ 242,000 | $ 317,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 610,000 | $ 305,000 | $ 141,000 |
| Port St. Lucie, FL | 2 | $ 250,000 | $ 125,000 | $ 86,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 635,000 | $ 317,500 | $ 104,000 |
| Salt Lake City, UT | 2 | $ 576,000 | $ 288,000 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 883,000 | $ 441,500 | $ 279,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 207,000 | $ 103,500 | $ 267,000 |
| Tulsa, OK | 2 | $ 381,000 | $ 190,500 | $ 116,000 |
| Akron, OH | 1 | $ 214,000 | $ 214,000 | $ 57,000 |
| Bend-Redmond, OR | 1 | $ 270,000 | $ 270,000 | $ 126,000 |
| Bloomington, IL | 1 | $ 332,000 | $ 332,000 | $ 276,000 |
| Bremerton-Silverdale, WA | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Brunswick, GA | 1 | $ 279,000 | $ 279,000 | $ 86,000 |
| Champaign-Urbana, IL | 1 | $ 78,000 | $ 78,000 | $ 32,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 69,000 | $ 69,000 | $ 287,000 |
| Columbia, MO | 1 | $ 158,000 | $ 158,000 | $ 123,000 |
| Decatur, IL | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Evansville, IN-KY | 1 | $ 113,000 | $ 113,000 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 600,000 | $ 600,000 | $ 202,000 |
| Gainesville, FL | 1 | $ 147,000 | $ 147,000 | $ 70,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 279,000 | $ 279,000 | $ 73,000 |
| Jackson, MS | 1 | $ 244,000 | $ 244,000 | $ 78,000 |
| Jacksonville, FL | 1 | $ 210,000 | $ 210,000 | $ 72,000 |
| Johnson City, TN | 1 | $ 388,000 | $ 388,000 | $ 175,000 |
| Joplin, MO | 1 | $ 219,000 | $ 219,000 | $ 113,000 |
| Knoxville, TN | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 324,000 | $ 324,000 | $ 114,000 |
| Lexington-Fayette, KY | 1 | $ 14,500,000 | $ 14,500,000 | $ 0 |
| Lincoln, NE | 1 | $ 260,000 | $ 260,000 | $ 73,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 152,000 | $ 152,000 | $ 40,000 |
| Memphis, TN-MS-AR | 1 | $ 326,000 | $ 326,000 | $ 266,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 164,000 | $ 164,000 | $ 63,000 |
| Missoula, MT | 1 | $ 238,000 | $ 238,000 | $ 103,000 |
| Montgomery, AL | 1 | $ 217,000 | $ 217,000 | $ 85,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 704,000 | $ 704,000 | $ 260,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Ocala, FL | 1 | $ 3,460,000 | $ 3,460,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 242,000 | $ 242,000 | $ 228,000 |
| Oklahoma City, OK | 1 | $ 172,000 | $ 172,000 | $ 204,000 |
| Olympia-Tumwater, WA | 1 | $ 8,600,000 | $ 8,600,000 | $ 0 |
| Panama City, FL | 1 | $ 249,000 | $ 249,000 | $ 110,000 |
| Prescott, AZ | 1 | $ 200,000 | $ 200,000 | $ 25,000 |
| Providence-Warwick, RI-MA | 1 | $ 50,000 | $ 50,000 | $ 376,000 |
| Provo-Orem, UT | 1 | $ 189,000 | $ 189,000 | $ 115,000 |
| Richmond, VA | 1 | $ 352,000 | $ 352,000 | $ 185,000 |
| San Antonio-New Braunfels, TX | 1 | $ 57,000 | $ 57,000 | $ 129,000 |
| Springfield, IL | 1 | $ 120,000 | $ 120,000 | $ 99,000 |
| Warner Robins, GA | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 119,000 | $ 119,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for First Bank in 2015
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 | 1,310 | $446,021,000 | $340,000 | $16,000,000 | $136,000 | $3,529,000 |
| Home Purchase | 1,278 | $370,884,000 | $290,000 | $14,500,000 | $105,000 | $2,035,000 |
| Home Improvement | 219 | $41,693,000 | $190,000 | $3,460,000 | $95,000 | $874,000 |
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 | 1,976 | $485,049,000 | $245,000 | $4,750,000 | $114,000 | $3,267,000 |
| Hispanic | 273 | $87,178,000 | $319,000 | $1,271,000 | $98,000 | $583,000 |
| Asian | 230 | $101,975,000 | $443,000 | $2,474,000 | $172,000 | $2,035,000 |
| Not Provided | 187 | $68,295,000 | $365,000 | $4,960,000 | $148,000 | $3,529,000 |
| Black or African American | 78 | $13,551,000 | $173,000 | $636,000 | $78,000 | $266,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $18,155,000 | $504,000 | $2,400,000 | $163,000 | $1,712,000 |
| Not applicable | 23 | $83,779,000 | $3,642,000 | $16,000,000 | $35,000 | $823,000 |
| American Indian or Alaskan Native | 4 | $616,000 | $154,000 | $224,000 | $282,000 | $874,000 |
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) | 2,135 | $723,829,000 | $339,000 | $16,000,000 | $136,000 | $3,529,000 |
| FHA-insured (Federal Housing Administration) | 439 | $92,586,000 | $210,000 | $661,000 | $69,000 | $605,000 |
| VA-guaranteed (Veterans Administration) | 137 | $31,519,000 | $230,000 | $835,000 | $65,000 | $404,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 96 | $10,664,000 | $111,000 | $262,000 | $43,000 | $93,000 |
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 | 1,894 | $568,644,000 | $300,000 | $16,000,000 | $113,000 | $3,529,000 |
| Application Denied By Financial Institution | 402 | $124,091,000 | $308,000 | $4,800,000 | $117,000 | $2,520,000 |
| Application Withdrawn By Applicant | 234 | $72,549,000 | $310,000 | $4,327,000 | $140,000 | $2,782,000 |
| Application Approved But Not Accepted | 158 | $46,083,000 | $291,000 | $2,625,000 | $125,000 | $1,564,000 |
| Preapproval Denied by Financial Institution | 72 | $28,449,000 | $395,000 | $2,400,000 | $125,000 | $1,712,000 |
| File Closed For Incompleteness | 46 | $18,086,000 | $393,000 | $3,700,000 | $203,000 | $1,159,000 |
| Loan Purchased By The Institution | 1 | $696,000 | $696,000 | $696,000 | $823,000 | $823,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 162 | $48,797,000 | $301,000 | $1,575,000 | $75,000 | $874,000 |
| Collateral | 101 | $31,585,000 | $312,000 | $4,800,000 | $101,000 | $489,000 |
| Credit History | 94 | $24,282,000 | $258,000 | $1,271,000 | $116,000 | $2,520,000 |
| Other | 51 | $21,650,000 | $424,000 | $1,880,000 | $190,000 | $1,344,000 |
| Credit Application Incomplete | 38 | $19,622,000 | $516,000 | $4,750,000 | $255,000 | $1,712,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $3,208,000 | $267,000 | $764,000 | $130,000 | $297,000 |
| Employment History | 10 | $1,718,000 | $171,000 | $400,000 | $57,000 | $102,000 |
| Unverifiable Information | 6 | $1,678,000 | $279,000 | $575,000 | $206,000 | $492,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2015 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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