First Bank Mortgage Lending & HMDA Data, 2022
In 2022, First Bank of Saint Louis, MO reported 4,186 mortgage applications totaling $1.2 billion, down 34% from 2021. The average application was for $283,165, and applicants reported an average income of $175,287. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were St. Louis, MO-IL (919), Los Angeles-Long Beach-Glendale, CA (634) and Kansas City, MO-KS (417) (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 | 4,186 |
| Total Mortgage Loan Application Amount | $1,185,330,000 |
| Average Mortgage Loan Application Amount | $283,165 |
| Highest Mortgage Loan Application Amount | $4,725,000 |
| Average Applicant Income | $175,287 |
| Highest Applicant Income | $6,013,000 |
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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 919 | $ 159,515,000 | $ 173,574 | $ 120,875 |
| Los Angeles-Long Beach-Glendale, CA | 634 | $ 213,450,000 | $ 336,671 | $ 237,000 |
| Kansas City, MO-KS | 417 | $ 116,435,000 | $ 279,220 | $ 124,052 |
| Anaheim-Santa Ana-Irvine, CA | 327 | $ 111,275,000 | $ 340,290 | $ 265,000 |
| Riverside-San Bernardino-Ontario, CA | 187 | $ 44,765,000 | $ 239,385 | $ 159,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 155 | $ 36,645,000 | $ 236,419 | $ 194,000 |
| Omaha-Council Bluffs, NE-IA | 151 | $ 38,065,000 | $ 252,086 | $ 112,006 |
| Oakland-Hayward-Berkeley, CA | 148 | $ 53,350,000 | $ 360,472 | $ 242,000 |
| Lincoln, NE | 133 | $ 34,015,000 | $ 255,751 | $ 107,000 |
| Outside any metro area | 129 | $ 30,975,000 | $ 240,116 | $ 196,364 |
| Santa Maria-Santa Barbara, CA | 122 | $ 26,510,000 | $ 217,295 | $ 163,000 |
| San Francisco-Redwood City-South San Francisco, CA | 115 | $ 61,425,000 | $ 534,130 | $ 230,000 |
| San Diego-Carlsbad, CA | 99 | $ 25,455,000 | $ 257,121 | $ 183,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 89 | $ 27,385,000 | $ 307,696 | $ 217,000 |
| Vallejo-Fairfield, CA | 85 | $ 21,555,000 | $ 253,588 | $ 154,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 58 | $ 34,710,000 | $ 598,448 | $ 276,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 5,305,000 | $ 353,666 | $ 391,000 |
| Stockton-Lodi, CA | 15 | $ 4,905,000 | $ 327,000 | $ 175,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 14 | $ 3,800,000 | $ 271,428 | $ 200,000 |
| Las Vegas-Henderson-Paradise, NV | 10 | $ 4,830,000 | $ 483,000 | $ 238,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 3,215,000 | $ 357,222 | $ 121,000 |
| Modesto, CA | 9 | $ 2,255,000 | $ 250,555 | $ 113,000 |
| Chicago-Naperville, IL | 8 | $ 2,400,000 | $ 300,000 | $ 136,000 |
| Salinas, CA | 8 | $ 1,980,000 | $ 247,500 | $ 290,000 |
| Bakersfield, CA | 7 | $ 695,000 | $ 99,285 | $ 127,000 |
| San Rafael, CA | 7 | $ 4,785,000 | $ 683,571 | $ 436,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,850,000 | $ 308,333 | $ 131,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 2,600,000 | $ 433,333 | $ 131,000 |
| Napa, CA | 5 | $ 1,385,000 | $ 277,000 | $ 324,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,565,000 | $ 313,000 | $ 90,000 |
| Columbia, MO | 4 | $ 980,000 | $ 245,000 | $ 125,000 |
| Fayetteville, NC | 4 | $ 630,000 | $ 157,500 | $ 292,000 |
| Merced, CA | 4 | $ 940,000 | $ 235,000 | $ 132,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 2,570,000 | $ 642,500 | $ 378,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,340,000 | $ 335,000 | $ 278,000 |
| The Villages, FL | 4 | $ 1,250,000 | $ 312,500 | $ 129,000 |
| Visalia-Porterville, CA | 4 | $ 510,000 | $ 127,500 | $ 110,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,155,000 | $ 385,000 | $ 130,000 |
| Chico, CA | 3 | $ 605,000 | $ 201,666 | $ 122,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,665,000 | $ 555,000 | $ 210,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,775,000 | $ 591,666 | $ 371,000 |
| Nassau County-Suffolk County, NY | 3 | $ 2,535,000 | $ 845,000 | $ 364,000 |
| Yuba City, CA | 3 | $ 895,000 | $ 298,333 | $ 90,000 |
| Boise City, ID | 2 | $ 700,000 | $ 350,000 | $ 145,000 |
| Cape Girardeau, MO-IL | 2 | $ 650,000 | $ 325,000 | $ 145,000 |
| Carbondale-Marion, IL | 2 | $ 190,000 | $ 95,000 | $ 122,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 180,000 | $ 90,000 | $ 61,000 |
| Coeur D'Alene, ID | 2 | $ 1,770,000 | $ 885,000 | $ 547,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 670,000 | $ 335,000 | $ 155,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 1,180,000 | $ 590,000 | $ 180,000 |
| Durham-Chapel Hill, NC | 2 | $ 340,000 | $ 170,000 | $ 105,000 |
| Fort Worth-Arlington, TX | 2 | $ 970,000 | $ 485,000 | $ 202,000 |
| Fresno, CA | 2 | $ 500,000 | $ 250,000 | $ 38,000 |
| Jacksonville, FL | 2 | $ 500,000 | $ 250,000 | $ 163,000 |
| Lawrence, KS | 2 | $ 490,000 | $ 245,000 | $ 79,000 |
| Peoria, IL | 2 | $ 190,000 | $ 95,000 | $ 66,000 |
| Rockingham County-Strafford County, NH | 2 | $ 1,830,000 | $ 915,000 | $ 191,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 600,000 | $ 300,000 | $ 337,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,290,000 | $ 645,000 | $ 129,000 |
| Sioux Falls, SD | 2 | $ 690,000 | $ 345,000 | $ 88,000 |
| St. George, UT | 2 | $ 790,000 | $ 395,000 | $ 174,000 |
| St. Joseph, MO-KS | 2 | $ 580,000 | $ 290,000 | $ 108,000 |
| Topeka, KS | 2 | $ 710,000 | $ 355,000 | $ 136,000 |
| Wichita, KS | 2 | $ 890,000 | $ 445,000 | $ 136,000 |
| Austin-Round Rock, TX | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Baton Rouge, LA | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Bloomington, IL | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Casper, WY | 1 | $ 275,000 | $ 275,000 | $ 65,000 |
| Colorado Springs, CO | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 505,000 | $ 505,000 | $ 164,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 395,000 | $ 395,000 | $ 134,000 |
| Grand Island, NE | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Greeley, CO | 1 | $ 565,000 | $ 565,000 | $ 200,000 |
| Greensboro-High Point, NC | 1 | $ 545,000 | $ 545,000 | $ 237,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 185,000 | $ 185,000 | $ 459,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 645,000 | $ 645,000 | $ 230,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Jefferson City, MO | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Kalamazoo-Portage, MI | 1 | $ 165,000 | $ 165,000 | $ 200,000 |
| Killeen-Temple, TX | 1 | $ 305,000 | $ 305,000 | $ 128,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 385,000 | $ 385,000 | $ 110,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Lynchburg, VA | 1 | $ 165,000 | $ 165,000 | $ 34,000 |
| Macon-Bibb County, GA | 1 | $ 105,000 | $ 105,000 | $ 238,000 |
| Madera, CA | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Manhattan, KS | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Morgantown, WV | 1 | $ 275,000 | $ 275,000 | $ 342,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 325,000 | $ 325,000 | $ 57,000 |
| Oklahoma City, OK | 1 | $ 415,000 | $ 415,000 | $ 109,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 355,000 | $ 355,000 | $ 69,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 385,000 | $ 385,000 | $ 205,000 |
| Punta Gorda, FL | 1 | $ 375,000 | $ 375,000 | $ 198,000 |
| Redding, CA | 1 | $ 155,000 | $ 155,000 | $ 208,000 |
| Reno, NV | 1 | $ 265,000 | $ 265,000 | $ 59,000 |
| Salem, OR | 1 | $ 355,000 | $ 355,000 | $ 124,000 |
| Salt Lake City, UT | 1 | $ 455,000 | $ 455,000 | $ 208,000 |
| San Antonio-New Braunfels, TX | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Santa Rosa, CA | 1 | $ 655,000 | $ 655,000 | $ 166,000 |
| Spokane-Spokane Valley, WA | 1 | $ 555,000 | $ 555,000 | $ 152,000 |
| Springfield, IL | 1 | $ 115,000 | $ 115,000 | $ 86,000 |
| Tucson, AZ | 1 | $ 115,000 | $ 115,000 | $ 22,000 |
| Warner Robins, GA | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for First Bank in 2022
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 | 1,420 | $477,410,000 | $336,000 | $4,725,000 | $141,000 | $2,412,000 |
| Other Purpose | 1,291 | $277,695,000 | $215,000 | $1,705,000 | $201,000 | $5,773,000 |
| Home Improvement | 585 | $105,105,000 | $179,000 | $1,005,000 | $174,000 | $1,500,000 |
| Refinancing | 582 | $203,770,000 | $350,000 | $3,135,000 | $215,000 | $1,836,000 |
| Cash-out Refinancing | 308 | $121,350,000 | $393,000 | $2,795,000 | $153,000 | $6,013,000 |
| 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 | 2,369 | $654,795,000 | $276,000 | $4,725,000 | $178,000 | $6,013,000 |
| Asian | 506 | $182,400,000 | $360,000 | $4,355,000 | $203,000 | $1,500,000 |
| Not Provided | 497 | $138,455,000 | $278,000 | $1,605,000 | $193,000 | $5,773,000 |
| Hispanic | 447 | $118,625,000 | $265,000 | $2,505,000 | $147,000 | $1,502,000 |
| Black or African American | 282 | $58,350,000 | $206,000 | $2,105,000 | $114,000 | $2,412,000 |
| American Indian or Alaskan Native | 16 | $3,390,000 | $211,000 | $505,000 | $148,000 | $749,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $4,320,000 | $432,000 | $2,105,000 | $202,000 | $995,000 |
| Not applicable | 10 | $7,150,000 | $715,000 | $2,905,000 | $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) | 3,887 | $1,098,075,000 | $282,000 | $4,725,000 | $182,000 | $6,013,000 |
| FHA-insured (Federal Housing Administration) | 216 | $58,550,000 | $271,000 | $1,065,000 | $84,000 | $316,000 |
| VA-guaranteed (Veterans Administration) | 80 | $28,240,000 | $353,000 | $1,005,000 | $95,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $465,000 | $155,000 | $165,000 | $38,000 | $47,000 |
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 | 2,731 | $780,845,000 | $285,000 | $4,725,000 | $190,000 | $6,013,000 |
| Application Denied By Financial Institution | 877 | $215,085,000 | $245,000 | $2,705,000 | $144,000 | $2,712,000 |
| Application Withdrawn By Applicant | 313 | $101,705,000 | $324,000 | $2,015,000 | $161,000 | $1,855,000 |
| Preapproval Approved but not Accepted | 137 | $54,695,000 | $399,000 | $2,505,000 | $138,000 | $1,041,000 |
| Application Approved But Not Accepted | 98 | $23,050,000 | $235,000 | $995,000 | $174,000 | $700,000 |
| Preapproval Denied by Financial Institution | 29 | $9,695,000 | $334,000 | $1,005,000 | $107,000 | $688,000 |
| File Closed For Incompleteness | 1 | $255,000 | $255,000 | $255,000 | $82,000 | $82,000 |
| 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 | 3,280 | $960,550,000 | $292,000 | $4,725,000 | $184,000 | $6,013,000 |
| Debt-To-Income Ratio | 504 | $139,450,000 | $276,000 | $2,705,000 | $123,000 | $1,168,000 |
| Credit History | 141 | $21,355,000 | $151,000 | $1,055,000 | $114,000 | $1,510,000 |
| Collateral | 100 | $19,140,000 | $191,000 | $655,000 | $200,000 | $1,120,000 |
| Credit Application Incomplete | 89 | $24,345,000 | $273,000 | $1,005,000 | $193,000 | $1,500,000 |
| Other | 44 | $11,900,000 | $270,000 | $1,505,000 | $222,000 | $2,712,000 |
| Employment History | 17 | $4,945,000 | $290,000 | $1,005,000 | $166,000 | $430,000 |
| Unverifiable Information | 9 | $2,655,000 | $295,000 | $505,000 | $188,000 | $585,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $990,000 | $495,000 | $715,000 | $137,000 | $222,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2022 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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