First Bank Richmond, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First Bank Richmond, Na 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Bank Richmond, Na P.O. Box 937 Richmond, IN 47375 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 936 |
| Total Mortgage Loan Application Amount | $48,597,000 |
| Average Mortgage Loan Application Amount | $70,076 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $85,307 |
| Highest Applicant Income | $1,038,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with First Bank Richmond, Na. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Bank Richmond, Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down First Bank Richmond, Na's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Bank Richmond, Na serves its applicants.
Each category highlights the total number of mortgage applications processed by First Bank Richmond, Na, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Bank Richmond, Na's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wayne County Indiana | 316 | $ 27,061,000 | $ 85,000 | $ 52,000 |
| Champaign County Illinois | 65 | $ 1,579,000 | $ 24,000 | $ 75,000 |
| McLean County Illinois | 50 | $ 1,362,000 | $ 27,000 | $ 68,000 |
| Johnson County Indiana | 22 | $ 1,246,000 | $ 56,000 | $ 47,000 |
| Muscatine County Iowa | 17 | $ 390,000 | $ 22,000 | $ 94,000 |
| Marion County Indiana | 16 | $ 1,004,000 | $ 62,000 | $ 53,000 |
| Fayette County Indiana | 15 | $ 951,000 | $ 63,000 | $ 90,000 |
| Preble County Ohio | 15 | $ 1,047,000 | $ 69,000 | $ 61,000 |
| Darke County Ohio | 14 | $ 584,000 | $ 41,000 | $ 53,000 |
| Branch County Michigan | 13 | $ 295,000 | $ 22,000 | $ 78,000 |
| Allen County Ohio | 13 | $ 363,000 | $ 27,000 | $ 84,000 |
| Mercer County Ohio | 11 | $ 196,000 | $ 17,000 | $ 42,000 |
| Wells County Indiana | 10 | $ 218,000 | $ 21,000 | $ 62,000 |
| Butler County Ohio | 10 | $ 386,000 | $ 38,000 | $ 83,000 |
| Hamilton County Ohio | 10 | $ 252,000 | $ 25,000 | $ 80,000 |
| Union County Indiana | 9 | $ 670,000 | $ 74,000 | $ 57,000 |
| Scott County Iowa | 9 | $ 261,000 | $ 29,000 | $ 81,000 |
| Lorain County Ohio | 9 | $ 237,000 | $ 26,000 | $ 90,000 |
| Randolph County Indiana | 8 | $ 418,000 | $ 52,000 | $ 36,000 |
| Hancock County Indiana | 7 | $ 340,000 | $ 48,000 | $ 118,000 |
| Henry County Indiana | 7 | $ 513,000 | $ 73,000 | $ 72,000 |
| Madison County Indiana | 7 | $ 203,000 | $ 29,000 | $ 27,000 |
| Owen County Indiana | 7 | $ 147,000 | $ 21,000 | $ 33,000 |
| Montgomery County Ohio | 7 | $ 371,000 | $ 53,000 | $ 52,000 |
| Hamilton County Indiana | 6 | $ 203,000 | $ 33,000 | $ 73,000 |
| Howard County Indiana | 6 | $ 167,000 | $ 27,000 | $ 72,000 |
| Jay County Indiana | 6 | $ 70,000 | $ 11,000 | $ 59,000 |
| Monroe County Indiana | 6 | $ 145,000 | $ 24,000 | $ 65,000 |
| Jefferson County Iowa | 6 | $ 116,000 | $ 19,000 | $ 49,000 |
| Fayette County Kentucky | 6 | $ 166,000 | $ 27,000 | $ 66,000 |
| Pike County Kentucky | 6 | $ 84,000 | $ 14,000 | $ 56,000 |
| Pulaski County Kentucky | 6 | $ 104,000 | $ 17,000 | $ 42,000 |
| Van Wert County Ohio | 6 | $ 115,000 | $ 19,000 | $ 54,000 |
| Woodford County Illinois | 5 | $ 154,000 | $ 30,000 | $ 69,000 |
| Clay County Indiana | 5 | $ 98,000 | $ 19,000 | $ 33,000 |
| Franklin County Indiana | 5 | $ 567,000 | $ 113,000 | $ 39,000 |
| Lawrence County Indiana | 5 | $ 113,000 | $ 22,000 | $ 79,000 |
| Champaign County Ohio | 5 | $ 84,000 | $ 16,000 | $ 51,000 |
| Effingham County Illinois | 4 | $ 70,000 | $ 17,000 | $ 48,000 |
| Piatt County Illinois | 4 | $ 66,000 | $ 16,000 | $ 42,000 |
| Rock Island County Illinois | 4 | $ 76,000 | $ 19,000 | $ 51,000 |
| Shelby County Illinois | 4 | $ 49,000 | $ 12,000 | $ 29,000 |
| Vermilion County Illinois | 4 | $ 163,000 | $ 40,000 | $ 43,000 |
| Adams County Indiana | 4 | $ 205,000 | $ 51,000 | $ 47,000 |
| Grant County Indiana | 4 | $ 140,000 | $ 35,000 | $ 44,000 |
| Shelby County Indiana | 4 | $ 177,000 | $ 44,000 | $ 54,000 |
| Madison County Kentucky | 4 | $ 93,000 | $ 23,000 | $ 41,000 |
| Calhoun County Michigan | 4 | $ 53,000 | $ 13,000 | $ 54,000 |
| Hillsdale County Michigan | 4 | $ 54,000 | $ 13,000 | $ 31,000 |
| Clark County Ohio | 4 | $ 133,000 | $ 33,000 | $ 145,000 |
| Greene County Ohio | 4 | $ 127,000 | $ 31,000 | $ 102,000 |
| Jackson County Ohio | 4 | $ 60,000 | $ 15,000 | $ 43,000 |
| Tuscarawas County Ohio | 4 | $ 55,000 | $ 13,000 | $ 37,000 |
| De Witt County Illinois | 3 | $ 53,000 | $ 17,000 | $ 47,000 |
| Peoria County Illinois | 3 | $ 48,000 | $ 16,000 | $ 31,000 |
| Putnam County Indiana | 3 | $ 67,000 | $ 22,000 | $ 27,000 |
| Knott County Kentucky | 3 | $ 51,000 | $ 17,000 | $ 35,000 |
| Marion County Kentucky | 3 | $ 33,000 | $ 11,000 | $ 57,000 |
| Ashtabula County Ohio | 3 | $ 155,000 | $ 51,000 | $ 43,000 |
| Clermont County Ohio | 3 | $ 216,000 | $ 72,000 | $ 67,000 |
| Defiance County Ohio | 3 | $ 50,000 | $ 16,000 | $ 48,000 |
| Miami County Ohio | 3 | $ 76,000 | $ 25,000 | $ 58,000 |
| Williams County Ohio | 3 | $ 60,000 | $ 20,000 | $ 73,000 |
| Lee County Florida | 2 | $ 852,000 | $ 426,000 | $ 408,000 |
| Ford County Illinois | 2 | $ 35,000 | $ 17,000 | $ 46,000 |
| Brown County Indiana | 2 | $ 42,000 | $ 21,000 | $ 120,000 |
| Cass County Indiana | 2 | $ 78,000 | $ 39,000 | $ 44,000 |
| Delaware County Indiana | 2 | $ 68,000 | $ 34,000 | $ 52,000 |
| Greene County Indiana | 2 | $ 27,000 | $ 13,000 | $ 41,000 |
| Hendricks County Indiana | 2 | $ 55,000 | $ 27,000 | $ 178,000 |
| Orange County Indiana | 2 | $ 36,000 | $ 18,000 | $ 46,000 |
| Vanderburgh County Indiana | 2 | $ 263,000 | $ 131,000 | $ 80,000 |
| Wabash County Indiana | 2 | $ 128,000 | $ 64,000 | $ 59,000 |
| Van Buren County Iowa | 2 | $ 21,000 | $ 10,000 | $ 28,000 |
| Bell County Kentucky | 2 | $ 32,000 | $ 16,000 | $ 55,000 |
| Jefferson County Kentucky | 2 | $ 68,000 | $ 34,000 | $ 82,000 |
| Hancock County Ohio | 2 | $ 48,000 | $ 24,000 | $ 42,000 |
| Pickaway County Ohio | 2 | $ 43,000 | $ 21,000 | $ 61,000 |
| Portage County Ohio | 2 | $ 68,000 | $ 34,000 | $ 78,000 |
| Scioto County Ohio | 2 | $ 24,000 | $ 12,000 | $ 40,000 |
| Cassia County Idaho | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Clay County Illinois | 1 | $ 14,000 | $ 14,000 | $ 46,000 |
| Coles County Illinois | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Douglas County Illinois | 1 | $ 30,000 | $ 30,000 | $ 129,000 |
| Madison County Illinois | 1 | $ 19,000 | $ 19,000 | $ 63,000 |
| Ogle County Illinois | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Sangamon County Illinois | 1 | $ 22,000 | $ 22,000 | $ 50,000 |
| Blackford County Indiana | 1 | $ 16,000 | $ 16,000 | $ 54,000 |
| Boone County Indiana | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Clark County Indiana | 1 | $ 16,000 | $ 16,000 | $ 29,000 |
| Clinton County Indiana | 1 | $ 22,000 | $ 22,000 | $ 75,000 |
| Crawford County Indiana | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Dearborn County Indiana | 1 | $ 132,000 | $ 132,000 | $ 56,000 |
| DeKalb County Indiana | 1 | $ 24,000 | $ 24,000 | $ 65,000 |
| Harrison County Indiana | 1 | $ 23,000 | $ 23,000 | $ 29,000 |
| Huntington County Indiana | 1 | $ 12,000 | $ 12,000 | $ 28,000 |
| Morgan County Indiana | 1 | $ 20,000 | $ 20,000 | $ 90,000 |
| Ripley County Indiana | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Rush County Indiana | 1 | $ 20,000 | $ 20,000 | $ 49,000 |
| Tippecanoe County Indiana | 1 | $ 71,000 | $ 71,000 | $ 134,000 |
| Washington County Indiana | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Clinton County Iowa | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Louisa County Iowa | 1 | $ 14,000 | $ 14,000 | $ 36,000 |
| Anderson County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Bullitt County Kentucky | 1 | $ 16,000 | $ 16,000 | $ 100,000 |
| Clark County Kentucky | 1 | $ 24,000 | $ 24,000 | $ 63,000 |
| Laurel County Kentucky | 1 | $ 10,000 | $ 10,000 | $ 33,000 |
| Lawrence County Kentucky | 1 | $ 16,000 | $ 16,000 | $ 49,000 |
| Letcher County Kentucky | 1 | $ 12,000 | $ 12,000 | $ 77,000 |
| Menifee County Kentucky | 1 | $ 6,000 | $ 6,000 | $ 21,000 |
| Mercer County Kentucky | 1 | $ 53,000 | $ 53,000 | $ 108,000 |
| Oldham County Kentucky | 1 | $ 17,000 | $ 17,000 | $ 44,000 |
| Rockcastle County Kentucky | 1 | $ 18,000 | $ 18,000 | $ 78,000 |
| Scott County Kentucky | 1 | $ 18,000 | $ 18,000 | $ 37,000 |
| Taylor County Kentucky | 1 | $ 18,000 | $ 18,000 | $ 88,000 |
| Trimble County Kentucky | 1 | $ 28,000 | $ 28,000 | $ 81,000 |
| Whitley County Kentucky | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| Woodford County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 57,000 |
| Emmet County Michigan | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Ingham County Michigan | 1 | $ 40,000 | $ 40,000 | $ 65,000 |
| Lenawee County Michigan | 1 | $ 23,000 | $ 23,000 | $ 72,000 |
| Oakland County Michigan | 1 | $ 126,000 | $ 126,000 | $ 40,000 |
| Washington County Minnesota | 1 | $ 80,000 | $ 80,000 | $ 26,000 |
| Coshocton County Ohio | 1 | $ 19,000 | $ 19,000 | $ 50,000 |
| Cuyahoga County Ohio | 1 | $ 12,000 | $ 12,000 | $ 48,000 |
| Erie County Ohio | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Hocking County Ohio | 1 | $ 18,000 | $ 18,000 | $ 52,000 |
| Holmes County Ohio | 1 | $ 23,000 | $ 23,000 | $ 31,000 |
| Huron County Ohio | 1 | $ 22,000 | $ 22,000 | $ 48,000 |
| Lake County Ohio | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Madison County Ohio | 1 | $ 19,000 | $ 19,000 | $ 39,000 |
| Mahoning County Ohio | 1 | $ 10,000 | $ 10,000 | $ 27,000 |
| Medina County Ohio | 1 | $ 27,000 | $ 27,000 | $ 80,000 |
| Ross County Ohio | 1 | $ 18,000 | $ 18,000 | $ 30,000 |
| Vinton County Ohio | 1 | $ 16,000 | $ 16,000 | $ 53,000 |
| Warren County Ohio | 1 | $ 29,000 | $ 29,000 | $ 57,000 |
| Wayne County Ohio | 1 | $ 23,000 | $ 23,000 | $ 62,000 |
| York County South Carolina | 1 | $ 142,000 | $ 142,000 | $ 83,000 |
| Jefferson County Tennessee | 1 | $ 11,000 | $ 11,000 | $ 88,000 |
| Scott County Virginia | 1 | $ 6,000 | $ 6,000 | $ 31,000 |
| Logan County West Virginia | 1 | $ 12,000 | $ 12,000 | $ 32,000 |
| Milwaukee County Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for First Bank Richmond, Na in 2004
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 | 577 | $25,530,000 | $50,400 | $700,000 | $64,933 | $1,038,000 |
| Refinancing | 298 | $20,690,000 | $129,428 | $672,000 | $143,714 | $616,000 |
| Home Improvement | 61 | $2,377,000 | $40,000 | $149,000 | $59,500 | $159,000 |
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 | 832 | $42,765,000 | $49,533 | $700,000 | $65,200 | $1,038,000 |
| Not Provided | 39 | $1,603,000 | $48,333 | $121,000 | $50,166 | $118,000 |
| Black or African American | 22 | $553,000 | $27,000 | $69,000 | $62,250 | $144,000 |
| Asian | 17 | $1,548,000 | $161,833 | $672,000 | $187,500 | $616,000 |
| Not applicable | 10 | $1,573,000 | $157,000 | $599,000 | $0 | $0 |
| Hispanic | 9 | $376,000 | $41,500 | $106,000 | $55,250 | $180,000 |
| American Indian or Alaskan Native | 6 | $130,000 | $21,000 | $34,000 | $51,500 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $49,000 | $49,000 | $49,000 | $113,000 | $113,000 |
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) | 936 | $48,597,000 | $67,133 | $700,000 | $78,666 | $1,038,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 665 | $37,680,000 | $76,000 | $672,000 | $87,583 | $1,038,000 |
| Application Denied By Financial Institution | 137 | $5,672,000 | $26,375 | $700,000 | $56,875 | $240,000 |
| Application Approved But Not Accepted | 100 | $2,646,000 | $22,833 | $140,000 | $56,500 | $149,000 |
| Application Withdrawn By Applicant | 30 | $2,299,000 | $76,333 | $233,000 | $66,333 | $121,000 |
| Preapproval Denied by Financial Institution | 4 | $300,000 | $75,000 | $120,000 | $34,000 | $70,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 82 | $3,487,000 | $29,250 | $700,000 | $54,125 | $240,000 |
| Debt-To-Income Ratio | 22 | $1,083,000 | $36,666 | $149,000 | $67,500 | $157,000 |
| Employment History | 12 | $278,000 | $20,000 | $66,000 | $38,000 | $64,000 |
| Other | 12 | $532,000 | $60,666 | $123,000 | $33,666 | $83,000 |
| Collateral | 7 | $401,000 | $40,500 | $121,000 | $43,000 | $96,000 |
| Unverifiable Information | 3 | $105,000 | $33,500 | $45,000 | $120,500 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $86,000 | $29,000 | $38,000 | $41,500 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank Richmond, Na's 2004 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 Richmond, Na'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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.