First Bank Richmond, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Bank Richmond, Na 2005 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 | 895 |
| Total Mortgage Loan Application Amount | $51,976,000 |
| Average Mortgage Loan Application Amount | $97,375 |
| Highest Mortgage Loan Application Amount | $696,000 |
| Average Applicant Income | $96,708 |
| Highest Applicant Income | $1,403,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 369 | $ 29,279,000 | $ 79,000 | $ 56,000 |
| Champaign County Illinois | 70 | $ 1,792,000 | $ 25,000 | $ 60,000 |
| McLean County Illinois | 33 | $ 865,000 | $ 26,000 | $ 67,000 |
| Fayette County Indiana | 29 | $ 1,581,000 | $ 54,000 | $ 35,000 |
| Union County Indiana | 19 | $ 927,000 | $ 48,000 | $ 43,000 |
| Preble County Ohio | 18 | $ 1,017,000 | $ 56,000 | $ 50,000 |
| Grant County Indiana | 16 | $ 813,000 | $ 50,000 | $ 45,000 |
| Randolph County Indiana | 15 | $ 787,000 | $ 52,000 | $ 57,000 |
| Muscatine County Iowa | 15 | $ 343,000 | $ 22,000 | $ 63,000 |
| Allen County Ohio | 14 | $ 390,000 | $ 27,000 | $ 92,000 |
| Owen County Indiana | 13 | $ 225,000 | $ 17,000 | $ 56,000 |
| Johnson County Indiana | 12 | $ 1,027,000 | $ 85,000 | $ 60,000 |
| Henry County Indiana | 10 | $ 581,000 | $ 58,000 | $ 118,000 |
| Marion County Indiana | 10 | $ 513,000 | $ 51,000 | $ 51,000 |
| Mercer County Ohio | 10 | $ 210,000 | $ 21,000 | $ 51,000 |
| Montgomery County Ohio | 9 | $ 213,000 | $ 23,000 | $ 66,000 |
| Tuscarawas County Ohio | 8 | $ 108,000 | $ 13,000 | $ 43,000 |
| Jefferson County Iowa | 7 | $ 120,000 | $ 17,000 | $ 76,000 |
| Branch County Michigan | 7 | $ 157,000 | $ 22,000 | $ 62,000 |
| Clark County Ohio | 7 | $ 117,000 | $ 16,000 | $ 54,000 |
| Darke County Ohio | 7 | $ 223,000 | $ 31,000 | $ 39,000 |
| Van Wert County Ohio | 7 | $ 93,000 | $ 13,000 | $ 39,000 |
| Hancock County Ohio | 6 | $ 231,000 | $ 38,000 | $ 89,000 |
| Hamilton County Indiana | 5 | $ 216,000 | $ 43,000 | $ 76,000 |
| Rush County Indiana | 5 | $ 218,000 | $ 43,000 | $ 27,000 |
| Lorain County Ohio | 5 | $ 108,000 | $ 21,000 | $ 71,000 |
| Howard County Indiana | 4 | $ 154,000 | $ 38,000 | $ 56,000 |
| Fayette County Kentucky | 4 | $ 88,000 | $ 22,000 | $ 58,000 |
| Butler County Ohio | 4 | $ 648,000 | $ 162,000 | $ 132,000 |
| Cuyahoga County Ohio | 4 | $ 105,000 | $ 26,000 | $ 71,000 |
| Defiance County Ohio | 4 | $ 89,000 | $ 22,000 | $ 59,000 |
| Jackson County Ohio | 4 | $ 70,000 | $ 17,000 | $ 58,000 |
| Piatt County Illinois | 3 | $ 52,000 | $ 17,000 | $ 70,000 |
| Bartholomew County Indiana | 3 | $ 443,000 | $ 147,000 | $ 116,000 |
| Franklin County Indiana | 3 | $ 90,000 | $ 30,000 | $ 32,000 |
| Huntington County Indiana | 3 | $ 36,000 | $ 12,000 | $ 59,000 |
| Lawrence County Indiana | 3 | $ 85,000 | $ 28,000 | $ 92,000 |
| Madison County Indiana | 3 | $ 157,000 | $ 52,000 | $ 29,000 |
| Shelby County Indiana | 3 | $ 74,000 | $ 24,000 | $ 47,000 |
| Auglaize County Ohio | 3 | $ 58,000 | $ 19,000 | $ 46,000 |
| Erie County Ohio | 3 | $ 49,000 | $ 16,000 | $ 53,000 |
| Lake County Ohio | 3 | $ 91,000 | $ 30,000 | $ 107,000 |
| Warren County Ohio | 3 | $ 248,000 | $ 82,000 | $ 55,000 |
| Claiborne County Tennessee | 3 | $ 36,000 | $ 12,000 | $ 55,000 |
| Douglas County Illinois | 2 | $ 28,000 | $ 14,000 | $ 37,000 |
| Ford County Illinois | 2 | $ 45,000 | $ 22,000 | $ 70,000 |
| Blackford County Indiana | 2 | $ 123,000 | $ 61,000 | $ 37,000 |
| Greene County Indiana | 2 | $ 45,000 | $ 22,000 | $ 67,000 |
| Monroe County Indiana | 2 | $ 175,000 | $ 87,000 | $ 79,000 |
| Montgomery County Indiana | 2 | $ 123,000 | $ 61,000 | $ 42,000 |
| Noble County Indiana | 2 | $ 95,000 | $ 47,000 | $ 102,000 |
| Parke County Indiana | 2 | $ 151,000 | $ 75,000 | $ 107,000 |
| Putnam County Indiana | 2 | $ 45,000 | $ 22,000 | $ 36,000 |
| Wells County Indiana | 2 | $ 49,000 | $ 24,000 | $ 53,000 |
| Bell County Kentucky | 2 | $ 35,000 | $ 17,000 | $ 69,000 |
| Jefferson County Kentucky | 2 | $ 277,000 | $ 138,000 | $ 59,000 |
| Jessamine County Kentucky | 2 | $ 35,000 | $ 17,000 | $ 65,000 |
| Knott County Kentucky | 2 | $ 19,000 | $ 9,000 | $ 42,000 |
| Madison County Kentucky | 2 | $ 55,000 | $ 27,000 | $ 88,000 |
| Pulaski County Kentucky | 2 | $ 32,000 | $ 16,000 | $ 49,000 |
| Calhoun County Michigan | 2 | $ 28,000 | $ 14,000 | $ 30,000 |
| Clermont County Ohio | 2 | $ 31,000 | $ 15,000 | $ 44,000 |
| Franklin County Ohio | 2 | $ 88,000 | $ 44,000 | $ 106,000 |
| Harrison County Ohio | 2 | $ 59,000 | $ 29,000 | $ 62,000 |
| Knox County Ohio | 2 | $ 80,000 | $ 40,000 | $ 98,000 |
| Miami County Ohio | 2 | $ 46,000 | $ 23,000 | $ 47,000 |
| Williams County Ohio | 2 | $ 46,000 | $ 23,000 | $ 44,000 |
| Maricopa County Arizona | 1 | $ 255,000 | $ 255,000 | $ 125,000 |
| Charlotte County Florida | 1 | $ 452,000 | $ 452,000 | $ 103,000 |
| Indian River County Florida | 1 | $ 166,000 | $ 166,000 | $ 101,000 |
| Lee County Florida | 1 | $ 355,000 | $ 355,000 | $ 600,000 |
| Sarasota County Florida | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Cook County Illinois | 1 | $ 30,000 | $ 30,000 | $ 46,000 |
| Effingham County Illinois | 1 | $ 16,000 | $ 16,000 | $ 55,000 |
| Menard County Illinois | 1 | $ 19,000 | $ 19,000 | $ 86,000 |
| Peoria County Illinois | 1 | $ 29,000 | $ 29,000 | $ 54,000 |
| Rock Island County Illinois | 1 | $ 29,000 | $ 29,000 | $ 36,000 |
| Tazewell County Illinois | 1 | $ 33,000 | $ 33,000 | $ 113,000 |
| Allen County Indiana | 1 | $ 11,000 | $ 11,000 | $ 24,000 |
| Cass County Indiana | 1 | $ 6,000 | $ 6,000 | $ 30,000 |
| Decatur County Indiana | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Delaware County Indiana | 1 | $ 77,000 | $ 77,000 | $ 106,000 |
| Hancock County Indiana | 1 | $ 27,000 | $ 27,000 | $ 55,000 |
| Hendricks County Indiana | 1 | $ 39,000 | $ 39,000 | $ 178,000 |
| Jay County Indiana | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Miami County Indiana | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Morgan County Indiana | 1 | $ 36,000 | $ 36,000 | $ 327,000 |
| Henry County Iowa | 1 | $ 20,000 | $ 20,000 | $ 44,000 |
| Bath County Kentucky | 1 | $ 17,000 | $ 17,000 | $ 67,000 |
| Clark County Kentucky | 1 | $ 16,000 | $ 16,000 | $ 21,000 |
| Green County Kentucky | 1 | $ 18,000 | $ 18,000 | $ 45,000 |
| Leslie County Kentucky | 1 | $ 9,000 | $ 9,000 | $ 25,000 |
| Letcher County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 89,000 |
| Mercer County Kentucky | 1 | $ 37,000 | $ 37,000 | $ 95,000 |
| Montgomery County Kentucky | 1 | $ 6,000 | $ 6,000 | $ 29,000 |
| Pike County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Rowan County Kentucky | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Taylor County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Woodford County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 81,000 |
| Benzie County Michigan | 1 | $ 300,000 | $ 300,000 | $ 268,000 |
| Kent County Michigan | 1 | $ 56,000 | $ 56,000 | $ 183,000 |
| Muskegon County Michigan | 1 | $ 696,000 | $ 696,000 | $ 269,000 |
| St. Joseph County Michigan | 1 | $ 23,000 | $ 23,000 | $ 88,000 |
| Rutherford County North Carolina | 1 | $ 139,000 | $ 139,000 | $ 273,000 |
| Ashtabula County Ohio | 1 | $ 16,000 | $ 16,000 | $ 80,000 |
| Athens County Ohio | 1 | $ 22,000 | $ 22,000 | $ 54,000 |
| Champaign County Ohio | 1 | $ 12,000 | $ 12,000 | $ 39,000 |
| Columbiana County Ohio | 1 | $ 26,000 | $ 26,000 | $ 82,000 |
| Coshocton County Ohio | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| Crawford County Ohio | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Delaware County Ohio | 1 | $ 171,000 | $ 171,000 | $ 1,403,000 |
| Fairfield County Ohio | 1 | $ 16,000 | $ 16,000 | $ 63,000 |
| Hamilton County Ohio | 1 | $ 16,000 | $ 16,000 | $ 66,000 |
| Hardin County Ohio | 1 | $ 13,000 | $ 13,000 | $ 38,000 |
| Holmes County Ohio | 1 | $ 14,000 | $ 14,000 | $ 59,000 |
| Logan County Ohio | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Lucas County Ohio | 1 | $ 48,000 | $ 48,000 | $ 141,000 |
| Marion County Ohio | 1 | $ 24,000 | $ 24,000 | $ 60,000 |
| Paulding County Ohio | 1 | $ 17,000 | $ 17,000 | $ 59,000 |
| Putnam County Ohio | 1 | $ 29,000 | $ 29,000 | $ 50,000 |
| Richland County Ohio | 1 | $ 16,000 | $ 16,000 | $ 37,000 |
| Ross County Ohio | 1 | $ 33,000 | $ 33,000 | $ 66,000 |
| Scioto County Ohio | 1 | $ 18,000 | $ 18,000 | $ 80,000 |
| Shelby County Ohio | 1 | $ 48,000 | $ 48,000 | $ 73,000 |
| Washington County Ohio | 1 | $ 120,000 | $ 120,000 | $ 46,000 |
| Mayes County Oklahoma | 1 | $ 388,000 | $ 388,000 | $ 0 |
| York County South Carolina | 1 | $ 166,000 | $ 166,000 | $ 80,000 |
| Campbell County Tennessee | 1 | $ 508,000 | $ 508,000 | $ 651,000 |
| Sumner County Tennessee | 1 | $ 106,000 | $ 106,000 | $ 27,000 |
| Alexandria County Virginia | 1 | $ 69,000 | $ 69,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for First Bank Richmond, Na in 2005
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 | 532 | $27,272,000 | $125,272 | $696,000 | $84,727 | $1,403,000 |
| Refinancing | 288 | $22,542,000 | $95,666 | $654,000 | $124,222 | $679,000 |
| Home Improvement | 75 | $2,162,000 | $24,500 | $182,000 | $67,750 | $133,000 |
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 | 836 | $47,678,000 | $111,666 | $696,000 | $106,750 | $1,403,000 |
| Black or African American | 23 | $838,000 | $34,250 | $106,000 | $55,000 | $92,000 |
| Not applicable | 12 | $1,452,000 | $284,666 | $400,000 | $0 | $0 |
| Not Provided | 10 | $759,000 | $51,666 | $399,000 | $51,333 | $147,000 |
| Hispanic | 6 | $302,000 | $45,666 | $145,000 | $94,000 | $141,000 |
| Asian | 5 | $390,000 | $60,000 | $230,000 | $86,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $530,000 | $265,000 | $355,000 | $318,000 | $600,000 |
| American Indian or Alaskan Native | 1 | $27,000 | $27,000 | $27,000 | $65,000 | $65,000 |
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) | 895 | $51,976,000 | $135,538 | $696,000 | $106,000 | $1,403,000 |
| 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 | 623 | $39,117,000 | $141,916 | $696,000 | $118,083 | $1,403,000 |
| Application Denied By Financial Institution | 140 | $6,209,000 | $39,571 | $222,000 | $51,428 | $318,000 |
| Application Approved But Not Accepted | 82 | $2,602,000 | $26,285 | $288,000 | $63,000 | $227,000 |
| Application Withdrawn By Applicant | 50 | $4,048,000 | $72,000 | $243,000 | $77,000 | $534,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 80 | $3,080,000 | $40,000 | $155,000 | $48,666 | $318,000 |
| Debt-To-Income Ratio | 34 | $1,779,000 | $44,250 | $180,000 | $60,250 | $178,000 |
| Employment History | 8 | $254,000 | $28,750 | $96,000 | $64,250 | $145,000 |
| Collateral | 7 | $661,000 | $71,500 | $222,000 | $52,500 | $114,000 |
| Unverifiable Information | 6 | $206,000 | $34,500 | $68,000 | $51,500 | $113,000 |
| Other | 3 | $139,000 | $46,000 | $103,000 | $48,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $90,000 | $45,000 | $80,000 | $62,000 | $80,000 |
| 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 2005 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.
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with aggregated HMDA statistics today.