First Bank Richmond
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Bank Richmond 2021 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 20 N 9Th St Richmond, IN 47374 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | $170,000 |
| Highest Mortgage Loan Application Amount | $10,955,000 |
| Average Applicant Income | $133,000 |
| Highest Applicant Income | $4,869,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with First Bank Richmond. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down First Bank Richmond'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by First Bank Richmond, 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's mortgage activity for 2021.
| 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 | 418 | $ 53,750,000 | $ 128,000 | $ 110,000 |
| Shelby County Ohio | 104 | $ 14,650,000 | $ 140,000 | $ 86,000 |
| Shelby County Indiana | 52 | $ 12,920,000 | $ 248,000 | $ 105,000 |
| Miami County Ohio | 43 | $ 5,335,000 | $ 124,000 | $ 76,000 |
| Fayette County Indiana | 35 | $ 4,575,000 | $ 130,000 | $ 92,000 |
| Marion County Indiana | 30 | $ 7,210,000 | $ 240,000 | $ 131,000 |
| Hamilton County Indiana | 17 | $ 7,205,000 | $ 423,000 | $ 438,000 |
| Randolph County Indiana | 13 | $ 1,575,000 | $ 121,000 | $ 90,000 |
| Preble County Ohio | 12 | $ 1,410,000 | $ 117,000 | $ 54,000 |
| Union County Indiana | 11 | $ 1,775,000 | $ 161,000 | $ 92,000 |
| Delaware County Indiana | 10 | $ 2,540,000 | $ 254,000 | $ 78,000 |
| Henry County Indiana | 8 | $ 1,240,000 | $ 155,000 | $ 83,000 |
| Franklin County Ohio | 7 | $ 20,665,000 | $ 2,952,000 | $ 101,000 |
| Logan County Ohio | 7 | $ 1,095,000 | $ 156,000 | $ 114,000 |
| Montgomery County Ohio | 7 | $ 3,225,000 | $ 460,000 | $ 220,000 |
| Madison County Indiana | 6 | $ 2,470,000 | $ 411,000 | $ 114,000 |
| Lee County Florida | 5 | $ 1,965,000 | $ 393,000 | $ 776,000 |
| Butler County Ohio | 5 | $ 1,255,000 | $ 251,000 | $ 353,000 |
| Hancock County Indiana | 4 | $ 820,000 | $ 205,000 | $ 161,000 |
| Champaign County Ohio | 4 | $ 540,000 | $ 135,000 | $ 100,000 |
| Darke County Ohio | 4 | $ 660,000 | $ 165,000 | $ 77,000 |
| Bartholomew County Indiana | 3 | $ 285,000 | $ 95,000 | $ 95,000 |
| Hendricks County Indiana | 3 | $ 825,000 | $ 275,000 | $ 130,000 |
| Johnson County Indiana | 3 | $ 515,000 | $ 171,000 | $ 110,000 |
| Rush County Indiana | 3 | $ 435,000 | $ 145,000 | $ 132,000 |
| Pinellas County Florida | 2 | $ 500,000 | $ 250,000 | $ 57,000 |
| Sarasota County Florida | 2 | $ 710,000 | $ 355,000 | $ 483,000 |
| Franklin County Indiana | 2 | $ 230,000 | $ 115,000 | $ 57,000 |
| Monroe County Indiana | 2 | $ 320,000 | $ 160,000 | $ 67,000 |
| Ripley County Indiana | 2 | $ 410,000 | $ 205,000 | $ 66,000 |
| Tipton County Indiana | 2 | $ 270,000 | $ 135,000 | $ 123,000 |
| Henderson County Kentucky | 2 | $ 70,000 | $ 35,000 | $ 52,000 |
| Jefferson County Kentucky | 2 | $ 530,000 | $ 265,000 | $ 140,000 |
| Allen County Ohio | 2 | $ 110,000 | $ 55,000 | $ 242,000 |
| Mercer County Ohio | 2 | $ 360,000 | $ 180,000 | $ 78,000 |
| Beaufort County South Carolina | 2 | $ 2,700,000 | $ 1,350,000 | $ 568,000 |
| Lee County Alabama | 1 | $ 165,000 | $ 165,000 | $ 168,000 |
| Douglas County Colorado | 1 | $ 495,000 | $ 495,000 | $ 280,000 |
| Jefferson County Colorado | 1 | $ 235,000 | $ 235,000 | $ 135,000 |
| Broward County Florida | 1 | $ 125,000 | $ 125,000 | $ 254,000 |
| Collier County Florida | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
| Monroe County Florida | 1 | $ 85,000 | $ 85,000 | $ 199,000 |
| Palm Beach County Florida | 1 | $ 505,000 | $ 505,000 | $ 379,000 |
| St. Johns County Florida | 1 | $ 205,000 | $ 205,000 | $ 837,000 |
| Volusia County Florida | 1 | $ 445,000 | $ 445,000 | $ 1,042,000 |
| Forsyth County Georgia | 1 | $ 435,000 | $ 435,000 | $ 195,000 |
| Brown County Indiana | 1 | $ 425,000 | $ 425,000 | $ 221,000 |
| Daviess County Indiana | 1 | $ 275,000 | $ 275,000 | $ 795,000 |
| Jay County Indiana | 1 | $ 45,000 | $ 45,000 | $ 121,000 |
| Kosciusko County Indiana | 1 | $ 335,000 | $ 335,000 | $ 352,000 |
| LaPorte County Indiana | 1 | $ 1,115,000 | $ 1,115,000 | $ 934,000 |
| Morgan County Indiana | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Steuben County Indiana | 1 | $ 425,000 | $ 425,000 | $ 233,000 |
| Wells County Indiana | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Anderson County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Garrard County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Pulaski County Kentucky | 1 | $ 415,000 | $ 415,000 | $ 380,000 |
| Stearns County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Hudson County New Jersey | 1 | $ 485,000 | $ 485,000 | $ 1,156,000 |
| Auglaize County Ohio | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Belmont County Ohio | 1 | $ 4,445,000 | $ 4,445,000 | $ 0 |
| Clinton County Ohio | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Delaware County Ohio | 1 | $ 2,205,000 | $ 2,205,000 | $ 0 |
| Fairfield County Ohio | 1 | $ 545,000 | $ 545,000 | $ 888,000 |
| Greene County Ohio | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Hamilton County Ohio | 1 | $ 175,000 | $ 175,000 | $ 250,000 |
| Mahoning County Ohio | 1 | $ 1,625,000 | $ 1,625,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Ross County Ohio | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Warren County Ohio | 1 | $ 385,000 | $ 385,000 | $ 111,000 |
| Tulsa County Oklahoma | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Lancaster County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Campbell County Tennessee | 1 | $ 495,000 | $ 495,000 | $ 512,000 |
| Dickson County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| Monroe County 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.
For a list of all lenders in Indiana, download the full spreadsheet
with aggregated HMDA statistics today.