First Bank Mortgage Lending & HMDA Data, 2024
In 2024, First Bank of Saint Louis, MO reported 2,917 mortgage applications totaling $911.2 million, down 24% from 2023. The average application was for $312,380, and applicants reported an average income of $182,726. 68% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Kansas City, MO-KS (658), St. Louis, MO-IL (643) and Los Angeles-Long Beach-Glendale, CA (322) (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 | 2,917 |
| Total Mortgage Loan Application Amount | $911,215,000 |
| Average Mortgage Loan Application Amount | $312,380 |
| Highest Mortgage Loan Application Amount | $16,505,000 |
| Average Applicant Income | $182,726 |
| Highest Applicant Income | $5,974,000 |
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Act (HMDA) records First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kansas City, MO-KS | 658 | $ 202,160,000 | $ 307,234 | $ 140,905 |
| St. Louis, MO-IL | 643 | $ 142,705,000 | $ 221,936 | $ 138,237 |
| Los Angeles-Long Beach-Glendale, CA | 322 | $ 98,730,000 | $ 306,614 | $ 258,000 |
| Omaha-Council Bluffs, NE-IA | 175 | $ 59,065,000 | $ 337,514 | $ 149,622 |
| Anaheim-Santa Ana-Irvine, CA | 155 | $ 60,585,000 | $ 390,870 | $ 293,000 |
| Lincoln, NE | 134 | $ 34,560,000 | $ 257,910 | $ 118,000 |
| Outside any metro area | 127 | $ 51,435,000 | $ 405,000 | $ 205,579 |
| Riverside-San Bernardino-Ontario, CA | 81 | $ 19,355,000 | $ 238,950 | $ 168,000 |
| Oakland-Hayward-Berkeley, CA | 74 | $ 38,110,000 | $ 515,000 | $ 199,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 72 | $ 14,230,000 | $ 197,638 | $ 171,000 |
| Santa Maria-Santa Barbara, CA | 60 | $ 14,380,000 | $ 239,666 | $ 182,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 54 | $ 15,820,000 | $ 292,962 | $ 185,000 |
| San Francisco-Redwood City-South San Francisco, CA | 50 | $ 27,900,000 | $ 558,000 | $ 293,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 50 | $ 33,860,000 | $ 677,200 | $ 411,000 |
| San Diego-Carlsbad, CA | 37 | $ 19,615,000 | $ 530,135 | $ 372,000 |
| Vallejo-Fairfield, CA | 32 | $ 6,790,000 | $ 212,187 | $ 161,000 |
| Stockton-Lodi, CA | 7 | $ 2,275,000 | $ 325,000 | $ 144,000 |
| Wichita, KS | 7 | $ 1,625,000 | $ 232,142 | $ 160,000 |
| Chicago-Naperville, IL | 6 | $ 2,480,000 | $ 413,333 | $ 339,000 |
| Las Vegas-Henderson-Paradise, NV | 6 | $ 2,480,000 | $ 413,333 | $ 281,000 |
| Lawrence, KS | 6 | $ 1,440,000 | $ 240,000 | $ 156,000 |
| Springfield, MO | 6 | $ 1,970,000 | $ 328,333 | $ 144,000 |
| St. Joseph, MO-KS | 6 | $ 1,330,000 | $ 221,666 | $ 83,166 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,405,000 | $ 281,000 | $ 61,000 |
| Fresno, CA | 5 | $ 7,085,000 | $ 1,417,000 | $ 220,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,985,000 | $ 397,000 | $ 139,000 |
| Oklahoma City, OK | 5 | $ 1,405,000 | $ 281,000 | $ 166,000 |
| Columbia, MO | 4 | $ 890,000 | $ 222,500 | $ 249,000 |
| Dallas-Plano-Irving, TX | 4 | $ 2,660,000 | $ 665,000 | $ 224,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 2,150,000 | $ 537,500 | $ 190,000 |
| Joplin, MO | 4 | $ 1,000,000 | $ 250,000 | $ 76,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,580,000 | $ 395,000 | $ 180,000 |
| Austin-Round Rock, TX | 3 | $ 1,355,000 | $ 451,666 | $ 370,000 |
| Bakersfield, CA | 3 | $ 125,000 | $ 41,666 | $ 108,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 905,000 | $ 301,666 | $ 205,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 585,000 | $ 195,000 | $ 188,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 645,000 | $ 215,000 | $ 62,000 |
| Jefferson City, MO | 3 | $ 735,000 | $ 245,000 | $ 165,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 945,000 | $ 315,000 | $ 350,000 |
| Manhattan, KS | 3 | $ 665,000 | $ 221,666 | $ 134,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 755,000 | $ 251,666 | $ 98,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,015,000 | $ 338,333 | $ 121,333 |
| San Rafael, CA | 3 | $ 935,000 | $ 311,666 | $ 170,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 2,475,000 | $ 825,000 | $ 456,000 |
| Cape Girardeau, MO-IL | 2 | $ 480,000 | $ 240,000 | $ 81,000 |
| Charleston-North Charleston, SC | 2 | $ 770,000 | $ 385,000 | $ 345,000 |
| Corvallis, OR | 2 | $ 1,390,000 | $ 695,000 | $ 493,000 |
| Kalamazoo-Portage, MI | 2 | $ 540,000 | $ 270,000 | $ 137,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 450,000 | $ 225,000 | $ 179,000 |
| Lynchburg, VA | 2 | $ 310,000 | $ 155,000 | $ 35,000 |
| Modesto, CA | 2 | $ 110,000 | $ 55,000 | $ 93,000 |
| Napa, CA | 2 | $ 750,000 | $ 375,000 | $ 392,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 730,000 | $ 365,000 | $ 111,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 1,200,000 | $ 600,000 | $ 160,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 490,000 | $ 245,000 | $ 157,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 610,000 | $ 305,000 | $ 329,000 |
| Santa Rosa, CA | 2 | $ 690,000 | $ 345,000 | $ 166,000 |
| Topeka, KS | 2 | $ 810,000 | $ 405,000 | $ 164,000 |
| Tulsa, OK | 2 | $ 340,000 | $ 170,000 | $ 71,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 195,000 | $ 195,000 | $ 122,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 675,000 | $ 675,000 | $ 233,000 |
| Bend-Redmond, OR | 1 | $ 505,000 | $ 505,000 | $ 135,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 545,000 | $ 545,000 | $ 171,000 |
| Cincinnati, OH-KY-IN | 1 | $ 595,000 | $ 595,000 | $ 220,000 |
| Clarksville, TN-KY | 1 | $ 425,000 | $ 425,000 | $ 150,000 |
| Coeur D'Alene, ID | 1 | $ 2,505,000 | $ 2,505,000 | $ 1,387,000 |
| College Station-Bryan, TX | 1 | $ 295,000 | $ 295,000 | $ 136,000 |
| Columbia, SC | 1 | $ 115,000 | $ 115,000 | $ 167,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Des Moines-West Des Moines, IA | 1 | $ 335,000 | $ 335,000 | $ 86,000 |
| El Centro, CA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Fayetteville, NC | 1 | $ 335,000 | $ 335,000 | $ 92,000 |
| Fort Collins, CO | 1 | $ 1,145,000 | $ 1,145,000 | $ 1,640,000 |
| Fort Worth-Arlington, TX | 1 | $ 495,000 | $ 495,000 | $ 342,000 |
| Greeley, CO | 1 | $ 395,000 | $ 395,000 | $ 243,000 |
| Hanford-Corcoran, CA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Jackson, MI | 1 | $ 215,000 | $ 215,000 | $ 94,000 |
| Jackson, MS | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Lubbock, TX | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Memphis, TN-MS-AR | 1 | $ 335,000 | $ 335,000 | $ 353,000 |
| Niles-Benton Harbor, MI | 1 | $ 265,000 | $ 265,000 | $ 142,000 |
| Oshkosh-Neenah, WI | 1 | $ 315,000 | $ 315,000 | $ 126,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 755,000 | $ 755,000 | $ 273,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Philadelphia, PA | 1 | $ 335,000 | $ 335,000 | $ 214,000 |
| Pittsburgh, PA | 1 | $ 415,000 | $ 415,000 | $ 70,000 |
| Raleigh, NC | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Reno, NV | 1 | $ 505,000 | $ 505,000 | $ 190,000 |
| Salinas, CA | 1 | $ 685,000 | $ 685,000 | $ 178,000 |
| San Antonio-New Braunfels, TX | 1 | $ 255,000 | $ 255,000 | $ 154,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 755,000 | $ 755,000 | $ 2,683,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Tampa, FL | 1 | $ 605,000 | $ 605,000 | $ 700,000 |
| Terre Haute, IN | 1 | $ 85,000 | $ 85,000 | $ 19,000 |
| Tucson, AZ | 1 | $ 595,000 | $ 595,000 | $ 148,000 |
| Visalia-Porterville, CA | 1 | $ 75,000 | $ 75,000 | $ 114,000 |
| Warner Robins, GA | 1 | $ 135,000 | $ 135,000 | $ 214,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Yuba City, CA | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for First Bank in 2024
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 | 1,497 | $543,845,000 | $363,000 | $16,505,000 | $160,000 | $5,974,000 |
| Other Purpose | 621 | $131,805,000 | $212,000 | $3,705,000 | $216,000 | $5,974,000 |
| Refinancing | 354 | $121,190,000 | $342,000 | $2,225,000 | $217,000 | $2,168,000 |
| Home Improvement | 317 | $57,505,000 | $181,000 | $665,000 | $199,000 | $2,000,000 |
| Cash-out Refinancing | 128 | $56,870,000 | $444,000 | $15,505,000 | $152,000 | $1,508,000 |
| 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 | 1,971 | $593,685,000 | $301,000 | $3,705,000 | $188,000 | $5,974,000 |
| Hispanic | 288 | $72,530,000 | $251,000 | $1,245,000 | $153,000 | $1,121,000 |
| Asian | 275 | $94,305,000 | $342,000 | $1,705,000 | $205,000 | $862,000 |
| Not Provided | 207 | $71,075,000 | $343,000 | $1,755,000 | $201,000 | $1,078,000 |
| Black or African American | 147 | $25,885,000 | $176,000 | $765,000 | $101,000 | $700,000 |
| Not applicable | 16 | $49,940,000 | $3,121,000 | $16,505,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,480,000 | $310,000 | $505,000 | $224,000 | $353,000 |
| American Indian or Alaskan Native | 5 | $1,315,000 | $263,000 | $475,000 | $318,000 | $736,000 |
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) | 2,670 | $838,460,000 | $314,000 | $16,505,000 | $190,000 | $5,974,000 |
| FHA-insured (Federal Housing Administration) | 170 | $46,410,000 | $273,000 | $875,000 | $105,000 | $816,000 |
| VA-guaranteed (Veterans Administration) | 73 | $25,445,000 | $348,000 | $765,000 | $116,000 | $392,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $900,000 | $225,000 | $295,000 | $62,000 | $87,000 |
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 | 1,993 | $659,825,000 | $331,000 | $16,505,000 | $187,000 | $5,974,000 |
| Application Denied By Financial Institution | 557 | $125,215,000 | $224,000 | $2,505,000 | $166,000 | $2,000,000 |
| Application Withdrawn By Applicant | 318 | $116,590,000 | $366,000 | $2,505,000 | $185,000 | $1,640,000 |
| Application Approved But Not Accepted | 46 | $8,970,000 | $195,000 | $525,000 | $214,000 | $1,105,000 |
| Loan Purchased By The Institution | 2 | $330,000 | $165,000 | $165,000 | $36,000 | $36,000 |
| File Closed For Incompleteness | 1 | $285,000 | $285,000 | $285,000 | $97,000 | $97,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 2,360 | $786,000,000 | $333,000 | $16,505,000 | $187,000 | $5,974,000 |
| Debt-To-Income Ratio | 270 | $65,040,000 | $240,000 | $2,505,000 | $144,000 | $1,207,000 |
| Credit History | 144 | $21,240,000 | $147,000 | $505,000 | $145,000 | $2,000,000 |
| Collateral | 56 | $13,220,000 | $236,000 | $515,000 | $205,000 | $862,000 |
| Credit Application Incomplete | 39 | $13,505,000 | $346,000 | $1,755,000 | $263,000 | $804,000 |
| Other | 37 | $7,715,000 | $208,000 | $665,000 | $247,000 | $1,609,000 |
| Unverifiable Information | 5 | $2,235,000 | $447,000 | $765,000 | $242,000 | $597,000 |
| Employment History | 4 | $1,110,000 | $277,000 | $505,000 | $50,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,150,000 | $575,000 | $955,000 | $114,000 | $114,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank's 2024 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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