First Bank Mortgage Lending & HMDA Data, 2018
In 2018, First Bank of Saint Louis, MO reported 4,844 mortgage applications totaling $1.3 billion, up 83% from 2017. The average application was for $268,676, and applicants reported an average income of $145,765. 58% of its applications resulted in an originated loan and 27% were denied. Its largest markets were St. Louis, MO-IL (1,474), Los Angeles-Long Beach-Glendale, CA (793) and Kansas City, MO-KS (305) (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 | 4,844 |
| Total Mortgage Loan Application Amount | $1,301,470,000 |
| Average Mortgage Loan Application Amount | $268,676 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $145,765 |
| Highest Applicant Income | $7,477,000 |
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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,474 | $ 203,230,000 | $ 137,876 | $ 97,654 |
| Los Angeles-Long Beach-Glendale, CA | 793 | $ 311,005,000 | $ 392,187 | $ 235,000 |
| Kansas City, MO-KS | 305 | $ 67,145,000 | $ 220,147 | $ 102,800 |
| Anaheim-Santa Ana-Irvine, CA | 272 | $ 102,430,000 | $ 376,580 | $ 211,000 |
| Outside any metro area | 224 | $ 24,100,000 | $ 107,589 | $ 81,986 |
| Oakland-Hayward-Berkeley, CA | 201 | $ 105,905,000 | $ 526,890 | $ 161,000 |
| Riverside-San Bernardino-Ontario, CA | 201 | $ 39,715,000 | $ 197,587 | $ 132,000 |
| San Francisco-Redwood City-South San Francisco, CA | 190 | $ 99,030,000 | $ 521,210 | $ 239,000 |
| Santa Maria-Santa Barbara, CA | 137 | $ 29,875,000 | $ 218,065 | $ 128,000 |
| Omaha-Council Bluffs, NE-IA | 121 | $ 27,385,000 | $ 226,322 | $ 112,636 |
| Oxnard-Thousand Oaks-Ventura, CA | 96 | $ 25,500,000 | $ 265,625 | $ 190,000 |
| Vallejo-Fairfield, CA | 91 | $ 24,035,000 | $ 264,120 | $ 104,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 85 | $ 22,385,000 | $ 263,352 | $ 126,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 85 | $ 45,535,000 | $ 535,705 | $ 246,000 |
| San Diego-Carlsbad, CA | 80 | $ 17,400,000 | $ 217,500 | $ 181,000 |
| Lincoln, NE | 46 | $ 10,090,000 | $ 219,347 | $ 88,000 |
| Chicago-Naperville-Arlington Heights, IL | 13 | $ 3,775,000 | $ 290,384 | $ 116,000 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 12,695,000 | $ 976,538 | $ 138,000 |
| Modesto, CA | 13 | $ 3,345,000 | $ 257,307 | $ 86,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 1,995,000 | $ 153,461 | $ 115,000 |
| Stockton-Lodi, CA | 13 | $ 4,095,000 | $ 315,000 | $ 84,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 1,830,000 | $ 183,000 | $ 146,000 |
| Merced, CA | 9 | $ 2,625,000 | $ 291,666 | $ 89,000 |
| Santa Rosa, CA | 8 | $ 2,530,000 | $ 316,250 | $ 170,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,135,000 | $ 305,000 | $ 148,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 1,935,000 | $ 276,428 | $ 107,000 |
| Columbia, MO | 6 | $ 890,000 | $ 148,333 | $ 66,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 1,150,000 | $ 191,666 | $ 158,000 |
| San Rafael, CA | 6 | $ 1,860,000 | $ 310,000 | $ 112,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,420,000 | $ 236,666 | $ 149,000 |
| Bakersfield, CA | 5 | $ 605,000 | $ 121,000 | $ 104,000 |
| Carbondale-Marion, IL | 5 | $ 315,000 | $ 63,000 | $ 58,000 |
| Jefferson City, MO | 5 | $ 695,000 | $ 139,000 | $ 159,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 2,365,000 | $ 473,000 | $ 157,400 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 1,040,000 | $ 260,000 | $ 92,000 |
| Austin-Round Rock, TX | 4 | $ 730,000 | $ 182,500 | $ 357,000 |
| Fresno, CA | 4 | $ 730,000 | $ 182,500 | $ 59,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 580,000 | $ 145,000 | $ 253,000 |
| Napa, CA | 4 | $ 1,180,000 | $ 295,000 | $ 84,000 |
| Ogden-Clearfield, UT | 4 | $ 1,380,000 | $ 345,000 | $ 83,000 |
| Salinas, CA | 4 | $ 1,240,000 | $ 310,000 | $ 118,000 |
| Boise City, ID | 3 | $ 645,000 | $ 215,000 | $ 82,000 |
| Eau Claire, WI | 3 | $ 535,000 | $ 178,333 | $ 151,000 |
| Eugene, OR | 3 | $ 845,000 | $ 281,666 | $ 86,000 |
| Jacksonville, FL | 3 | $ 295,000 | $ 98,333 | $ 72,000 |
| Longview, WA | 3 | $ 605,000 | $ 201,666 | $ 111,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 375,000 | $ 125,000 | $ 101,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,365,000 | $ 455,000 | $ 142,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,545,000 | $ 515,000 | $ 194,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,755,000 | $ 585,000 | $ 253,000 |
| Wichita, KS | 3 | $ 425,000 | $ 141,666 | $ 39,000 |
| Charleston-North Charleston, SC | 2 | $ 1,120,000 | $ 560,000 | $ 327,000 |
| Columbus, OH | 2 | $ 620,000 | $ 310,000 | $ 320,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 550,000 | $ 275,000 | $ 68,000 |
| Des Moines-West Des Moines, IA | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
| Evansville, IN-KY | 2 | $ 310,000 | $ 155,000 | $ 140,000 |
| Manhattan, KS | 2 | $ 580,000 | $ 290,000 | $ 119,000 |
| Nassau County-Suffolk County, NY | 2 | $ 880,000 | $ 440,000 | $ 117,000 |
| New Haven-Milford, CT | 2 | $ 340,000 | $ 170,000 | $ 83,000 |
| Port St. Lucie, FL | 2 | $ 200,000 | $ 100,000 | $ 75,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 760,000 | $ 380,000 | $ 218,000 |
| Raleigh, NC | 2 | $ 880,000 | $ 440,000 | $ 385,000 |
| Reno, NV | 2 | $ 1,070,000 | $ 535,000 | $ 185,000 |
| San Antonio-New Braunfels, TX | 2 | $ 770,000 | $ 385,000 | $ 146,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 340,000 | $ 170,000 | $ 64,000 |
| Springfield, MO | 2 | $ 430,000 | $ 215,000 | $ 86,000 |
| Winston-Salem, NC | 2 | $ 140,000 | $ 70,000 | $ 117,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Cape Girardeau, MO-IL | 1 | $ 295,000 | $ 295,000 | $ 165,000 |
| Champaign-Urbana, IL | 1 | $ 85,000 | $ 85,000 | $ 86,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 165,000 | $ 165,000 | $ 124,000 |
| Chico, CA | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Columbia, SC | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 375,000 | $ 375,000 | $ 106,000 |
| Elgin, IL | 1 | $ 405,000 | $ 405,000 | $ 246,000 |
| Florence-Muscle Shoals, AL | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| Fort Worth-Arlington, TX | 1 | $ 505,000 | $ 505,000 | $ 275,000 |
| Gary, IN | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 255,000 | $ 255,000 | $ 308,000 |
| Hanford-Corcoran, CA | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 375,000 | $ 375,000 | $ 86,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Jacksonville, NC | 1 | $ 225,000 | $ 225,000 | $ 52,000 |
| Joplin, MO | 1 | $ 245,000 | $ 245,000 | $ 133,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 205,000 | $ 205,000 | $ 361,000 |
| Kalamazoo-Portage, MI | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Lafayette, LA | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Lafayette-West Lafayette, IN | 1 | $ 155,000 | $ 155,000 | $ 121,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Lakeland-Winter Haven, FL | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Lawrence, KS | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 235,000 | $ 235,000 | $ 145,000 |
| Medford, OR | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Michigan City-La Porte, IN | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 505,000 | $ 505,000 | $ 393,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 455,000 | $ 455,000 | $ 599,000 |
| Oklahoma City, OK | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
| Panama City, FL | 1 | $ 155,000 | $ 155,000 | $ 817,000 |
| Peoria, IL | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Providence-Warwick, RI-MA | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Pueblo, CO | 1 | $ 455,000 | $ 455,000 | $ 231,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 55,000 | $ 55,000 | $ 286,000 |
| Springfield, IL | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| St. Joseph, MO-KS | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Topeka, KS | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Tulsa, OK | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Warner Robins, GA | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 215,000 | $ 215,000 | $ 128,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for First Bank in 2018
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 | 1,717 | $527,875,000 | $307,000 | $8,705,000 | $123,000 | $7,477,000 |
| Other Purpose | 1,309 | $225,255,000 | $172,000 | $2,005,000 | $172,000 | $7,366,000 |
| Refinancing | 1,265 | $393,175,000 | $310,000 | $10,005,000 | $164,000 | $3,458,000 |
| Cash-out Refinancing | 398 | $130,990,000 | $329,000 | $4,345,000 | $116,000 | $1,100,000 |
| Home Improvement | 155 | $24,175,000 | $155,000 | $4,005,000 | $104,000 | $552,000 |
| 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 | 3,073 | $708,865,000 | $230,000 | $4,345,000 | $136,000 | $7,477,000 |
| Asian | 641 | $259,405,000 | $404,000 | $8,705,000 | $176,000 | $2,297,000 |
| Hispanic | 460 | $125,060,000 | $271,000 | $1,385,000 | $123,000 | $1,875,000 |
| Not Provided | 402 | $127,110,000 | $316,000 | $5,005,000 | $226,000 | $7,366,000 |
| Black or African American | 171 | $31,005,000 | $181,000 | $1,005,000 | $83,000 | $478,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $9,470,000 | $430,000 | $1,055,000 | $205,000 | $797,000 |
| American Indian or Alaskan Native | 20 | $3,980,000 | $199,000 | $825,000 | $133,000 | $733,000 |
| Not applicable | 10 | $26,750,000 | $2,675,000 | $10,005,000 | $0 | $0 |
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) | 4,340 | $1,184,290,000 | $272,000 | $10,005,000 | $154,000 | $7,477,000 |
| FHA-insured (Federal Housing Administration) | 320 | $70,440,000 | $220,000 | $905,000 | $72,000 | $325,000 |
| VA-guaranteed (Veterans Administration) | 161 | $43,525,000 | $270,000 | $1,035,000 | $89,000 | $407,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,215,000 | $139,000 | $385,000 | $51,000 | $79,000 |
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 | 2,822 | $706,160,000 | $250,000 | $10,005,000 | $155,000 | $7,477,000 |
| Application Denied By Financial Institution | 1,292 | $362,460,000 | $280,000 | $8,705,000 | $137,000 | $3,458,000 |
| Application Withdrawn By Applicant | 308 | $90,720,000 | $294,000 | $1,805,000 | $135,000 | $857,000 |
| Application Approved But Not Accepted | 223 | $61,715,000 | $276,000 | $1,275,000 | $118,000 | $530,000 |
| Preapproval Approved but not Accepted | 149 | $55,865,000 | $374,000 | $1,355,000 | $117,000 | $615,000 |
| Preapproval Denied by Financial Institution | 50 | $24,550,000 | $491,000 | $1,955,000 | $132,000 | $525,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 3,502 | $914,460,000 | $261,000 | $10,005,000 | $149,000 | $7,477,000 |
| Debt-To-Income Ratio | 871 | $255,375,000 | $293,000 | $8,705,000 | $114,000 | $1,650,000 |
| Credit History | 160 | $25,680,000 | $160,000 | $2,005,000 | $137,000 | $1,812,000 |
| Collateral | 122 | $26,230,000 | $215,000 | $1,505,000 | $241,000 | $3,458,000 |
| Other | 102 | $54,450,000 | $533,000 | $4,435,000 | $162,000 | $1,243,000 |
| Unverifiable Information | 39 | $11,895,000 | $305,000 | $1,505,000 | $234,000 | $1,990,000 |
| Credit Application Incomplete | 22 | $6,910,000 | $314,000 | $1,505,000 | $171,000 | $815,000 |
| Employment History | 20 | $3,750,000 | $187,000 | $555,000 | $168,000 | $1,390,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,720,000 | $453,000 | $825,000 | $112,000 | $178,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2018 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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