First Bank Richmond Mortgage Lending & HMDA Data, 2021
In 2021, First Bank Richmond of Richmond, IN reported 876 mortgage applications totaling $174.9 million, down 10% from 2020. The average application was for $199,600, and applicants reported an average income of $124,998. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (117), Dayton-Springfield-Kettering, OH (51) and Cincinnati, OH-KY-IN (20) (applications in parentheses).
| Mortgage Company & Address | First Bank Richmond 20 N 9th St Richmond, IN 47375 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 876 |
| Total Mortgage Loan Application Amount | $174,850,000 |
| Average Mortgage Loan Application Amount | $199,600 |
| Highest Mortgage Loan Application Amount | $10,955,000 |
| Average Applicant Income | $124,998 |
| Highest Applicant Income | $4,869,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bank Richmond filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wayne, Indiana | 418 | $ 53,750,000 | $ 128,588 | $ 110,000 |
| Shelby, Ohio | 104 | $ 14,650,000 | $ 140,865 | $ 86,000 |
| Shelby, Indiana | 52 | $ 12,920,000 | $ 248,461 | $ 105,000 |
| Miami, Ohio | 43 | $ 5,335,000 | $ 124,069 | $ 76,000 |
| Fayette, Indiana | 35 | $ 4,575,000 | $ 130,714 | $ 92,000 |
| Marion, Indiana | 30 | $ 7,210,000 | $ 240,333 | $ 131,000 |
| Hamilton, Indiana | 17 | $ 7,205,000 | $ 423,823 | $ 438,000 |
| Randolph, Indiana | 13 | $ 1,575,000 | $ 121,153 | $ 90,000 |
| Preble, Ohio | 12 | $ 1,410,000 | $ 117,500 | $ 54,000 |
| Union, Indiana | 11 | $ 1,775,000 | $ 161,363 | $ 92,000 |
| Delaware, Indiana | 10 | $ 2,540,000 | $ 254,000 | $ 78,000 |
| Henry, Indiana | 8 | $ 1,240,000 | $ 155,000 | $ 83,000 |
| Franklin, Ohio | 7 | $ 20,665,000 | $ 2,952,142 | $ 101,000 |
| Logan, Ohio | 7 | $ 1,095,000 | $ 156,428 | $ 114,000 |
| Montgomery, Ohio | 7 | $ 3,225,000 | $ 460,714 | $ 220,000 |
| Madison, Indiana | 6 | $ 2,470,000 | $ 411,666 | $ 114,000 |
| Lee, Florida | 5 | $ 1,965,000 | $ 393,000 | $ 776,000 |
| Butler, Ohio | 5 | $ 1,255,000 | $ 251,000 | $ 353,000 |
| Hancock, Indiana | 4 | $ 820,000 | $ 205,000 | $ 161,000 |
| Champaign, Ohio | 4 | $ 540,000 | $ 135,000 | $ 100,000 |
| Darke, Ohio | 4 | $ 660,000 | $ 165,000 | $ 77,000 |
| Bartholomew, Indiana | 3 | $ 285,000 | $ 95,000 | $ 95,000 |
| Hendricks, Indiana | 3 | $ 825,000 | $ 275,000 | $ 130,000 |
| Johnson, Indiana | 3 | $ 515,000 | $ 171,666 | $ 110,000 |
| Rush, Indiana | 3 | $ 435,000 | $ 145,000 | $ 132,000 |
| Pinellas, Florida | 2 | $ 500,000 | $ 250,000 | $ 57,000 |
| Sarasota, Florida | 2 | $ 710,000 | $ 355,000 | $ 483,000 |
| Franklin, Indiana | 2 | $ 230,000 | $ 115,000 | $ 57,000 |
| Monroe, Indiana | 2 | $ 320,000 | $ 160,000 | $ 67,000 |
| Ripley, Indiana | 2 | $ 410,000 | $ 205,000 | $ 66,000 |
| Tipton, Indiana | 2 | $ 270,000 | $ 135,000 | $ 123,000 |
| Henderson, Kentucky | 2 | $ 70,000 | $ 35,000 | $ 52,000 |
| Jefferson, Kentucky | 2 | $ 530,000 | $ 265,000 | $ 140,000 |
| Allen, Ohio | 2 | $ 110,000 | $ 55,000 | $ 242,000 |
| Mercer, Ohio | 2 | $ 360,000 | $ 180,000 | $ 78,000 |
| Beaufort, South Carolina | 2 | $ 2,700,000 | $ 1,350,000 | $ 568,000 |
| Lee, Alabama | 1 | $ 165,000 | $ 165,000 | $ 168,000 |
| Douglas, Colorado | 1 | $ 495,000 | $ 495,000 | $ 280,000 |
| Jefferson, Colorado | 1 | $ 235,000 | $ 235,000 | $ 135,000 |
| Broward, Florida | 1 | $ 125,000 | $ 125,000 | $ 254,000 |
| Collier, Florida | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
| Monroe, Florida | 1 | $ 85,000 | $ 85,000 | $ 199,000 |
| Palm Beach, Florida | 1 | $ 505,000 | $ 505,000 | $ 379,000 |
| St. Johns, Florida | 1 | $ 205,000 | $ 205,000 | $ 837,000 |
| Volusia, Florida | 1 | $ 445,000 | $ 445,000 | $ 1,042,000 |
| Forsyth, Georgia | 1 | $ 435,000 | $ 435,000 | $ 195,000 |
| Brown, Indiana | 1 | $ 425,000 | $ 425,000 | $ 221,000 |
| Daviess, Indiana | 1 | $ 275,000 | $ 275,000 | $ 795,000 |
| Jay, Indiana | 1 | $ 45,000 | $ 45,000 | $ 121,000 |
| Kosciusko, Indiana | 1 | $ 335,000 | $ 335,000 | $ 352,000 |
| LaPorte, Indiana | 1 | $ 1,115,000 | $ 1,115,000 | $ 934,000 |
| Morgan, Indiana | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Steuben, Indiana | 1 | $ 425,000 | $ 425,000 | $ 233,000 |
| Wells, Indiana | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Anderson, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Garrard, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Pulaski, Kentucky | 1 | $ 415,000 | $ 415,000 | $ 380,000 |
| Stearns, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Hudson, New Jersey | 1 | $ 485,000 | $ 485,000 | $ 1,156,000 |
| Auglaize, Ohio | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Belmont, Ohio | 1 | $ 4,445,000 | $ 4,445,000 | $ 0 |
| Clinton, Ohio | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Delaware, Ohio | 1 | $ 2,205,000 | $ 2,205,000 | $ 0 |
| Fairfield, Ohio | 1 | $ 545,000 | $ 545,000 | $ 888,000 |
| Greene, Ohio | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Hamilton, Ohio | 1 | $ 175,000 | $ 175,000 | $ 250,000 |
| Mahoning, Ohio | 1 | $ 1,625,000 | $ 1,625,000 | $ 0 |
| Ottawa, Ohio | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Ross, Ohio | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Warren, Ohio | 1 | $ 385,000 | $ 385,000 | $ 111,000 |
| Tulsa, Oklahoma | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Lancaster, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Campbell, Tennessee | 1 | $ 495,000 | $ 495,000 | $ 512,000 |
| Dickson, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| Monroe, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for First Bank Richmond in 2021
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 | 304 | $67,730,000 | $222,000 | $10,955,000 | $150,000 | $4,869,000 |
| Refinancing | 257 | $62,405,000 | $242,000 | $4,995,000 | $116,000 | $893,000 |
| Cash-out Refinancing | 241 | $35,845,000 | $148,000 | $1,175,000 | $95,000 | $1,293,000 |
| Home Improvement | 38 | $4,480,000 | $117,000 | $1,385,000 | $124,000 | $713,000 |
| Other Purpose | 36 | $4,390,000 | $121,000 | $605,000 | $180,000 | $1,553,000 |
| 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 | 680 | $100,380,000 | $147,000 | $1,175,000 | $112,000 | $1,553,000 |
| Not Provided | 98 | $14,460,000 | $147,000 | $1,555,000 | $174,000 | $4,869,000 |
| Not applicable | 61 | $51,275,000 | $840,000 | $10,955,000 | $0 | $0 |
| Asian | 23 | $6,685,000 | $290,000 | $1,385,000 | $318,000 | $1,313,000 |
| Black or African American | 6 | $880,000 | $146,000 | $435,000 | $80,000 | $195,000 |
| Hispanic | 6 | $970,000 | $161,000 | $505,000 | $114,000 | $379,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $56,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 876 | $174,850,000 | $199,000 | $10,955,000 | $124,000 | $4,869,000 |
| 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 | 668 | $146,160,000 | $218,000 | $10,955,000 | $136,000 | $4,869,000 |
| Application Approved But Not Accepted | 114 | $15,880,000 | $139,000 | $605,000 | $116,000 | $1,553,000 |
| Application Denied By Financial Institution | 89 | $11,825,000 | $132,000 | $1,555,000 | $61,000 | $512,000 |
| Application Withdrawn By Applicant | 5 | $985,000 | $197,000 | $325,000 | $70,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 787 | $163,025,000 | $207,000 | $10,955,000 | $132,000 | $4,869,000 |
| Credit History | 39 | $3,725,000 | $95,000 | $205,000 | $62,000 | $360,000 |
| Debt-To-Income Ratio | 18 | $4,060,000 | $225,000 | $1,555,000 | $74,000 | $512,000 |
| Credit Application Incomplete | 10 | $1,550,000 | $155,000 | $455,000 | $22,000 | $136,000 |
| Collateral | 6 | $720,000 | $120,000 | $205,000 | $60,000 | $95,000 |
| Other | 6 | $480,000 | $80,000 | $165,000 | $46,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $445,000 | $89,000 | $225,000 | $59,000 | $154,000 |
| Unverifiable Information | 3 | $635,000 | $211,000 | $495,000 | $151,000 | $300,000 |
| Employment History | 2 | $210,000 | $105,000 | $145,000 | $55,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank Richmond's 2021 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'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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