First Community
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First Community 2022 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 Community 17151 Chesterfield Airport Rd Chesterfield, MO 63005 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 7,460 |
| Total Mortgage Loan Application Amount | $1,156,030,000 |
| Average Mortgage Loan Application Amount | $137,600 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $7,964,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with First Community. 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 Community's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down First Community'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 Community serves its applicants.
Each category highlights the total number of mortgage applications processed by First Community, 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 Community's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 1,951 | $ 258,665,000 | $ 132,000 | $ 132,000 |
| St. Charles County Missouri | 1,306 | $ 162,570,000 | $ 124,000 | $ 136,000 |
| Jefferson County Missouri | 626 | $ 68,550,000 | $ 109,000 | $ 109,000 |
| St. Louis City County Missouri | 290 | $ 32,080,000 | $ 110,000 | $ 94,000 |
| Franklin County Missouri | 153 | $ 17,725,000 | $ 115,000 | $ 95,000 |
| Madison County Illinois | 128 | $ 14,130,000 | $ 110,000 | $ 89,000 |
| Lincoln County Missouri | 126 | $ 16,310,000 | $ 129,000 | $ 105,000 |
| Warren County Missouri | 115 | $ 13,535,000 | $ 117,000 | $ 108,000 |
| St. Clair County Illinois | 105 | $ 9,825,000 | $ 93,000 | $ 86,000 |
| Monroe County Illinois | 32 | $ 4,940,000 | $ 154,000 | $ 134,000 |
| St. Francois County Missouri | 19 | $ 1,555,000 | $ 81,000 | $ 86,000 |
| Ste. Genevieve County Missouri | 13 | $ 1,475,000 | $ 113,000 | $ 89,000 |
| Montgomery County Missouri | 12 | $ 1,180,000 | $ 98,000 | $ 70,000 |
| Gasconade County Missouri | 10 | $ 1,380,000 | $ 138,000 | $ 77,000 |
| Camden County Missouri | 9 | $ 2,235,000 | $ 248,000 | $ 170,000 |
| Cape Girardeau County Missouri | 9 | $ 425,000 | $ 47,000 | $ 77,000 |
| Jersey County Illinois | 8 | $ 1,040,000 | $ 130,000 | $ 124,000 |
| Crawford County Missouri | 7 | $ 595,000 | $ 85,000 | $ 66,000 |
| Stone County Missouri | 7 | $ 1,615,000 | $ 230,000 | $ 152,000 |
| Macoupin County Illinois | 6 | $ 360,000 | $ 60,000 | $ 97,000 |
| Boone County Missouri | 6 | $ 1,490,000 | $ 248,000 | $ 168,000 |
| Washington County Missouri | 6 | $ 1,190,000 | $ 198,000 | $ 150,000 |
| Cook County Illinois | 5 | $ 1,025,000 | $ 205,000 | $ 119,000 |
| Greene County Missouri | 5 | $ 465,000 | $ 93,000 | $ 63,000 |
| Pike County Missouri | 5 | $ 335,000 | $ 67,000 | $ 129,000 |
| Miller County Missouri | 4 | $ 660,000 | $ 165,000 | $ 113,000 |
| Taney County Missouri | 4 | $ 650,000 | $ 162,000 | $ 136,000 |
| Bond County Illinois | 3 | $ 455,000 | $ 151,000 | $ 137,000 |
| Clinton County Illinois | 3 | $ 365,000 | $ 121,000 | $ 50,000 |
| Audrain County Missouri | 3 | $ 265,000 | $ 88,000 | $ 60,000 |
| Jackson County Missouri | 3 | $ 345,000 | $ 115,000 | $ 94,000 |
| Marion County Missouri | 3 | $ 225,000 | $ 75,000 | $ 102,000 |
| Pinellas County Florida | 2 | $ 530,000 | $ 265,000 | $ 117,000 |
| Montgomery County Illinois | 2 | $ 150,000 | $ 75,000 | $ 101,000 |
| Randolph County Illinois | 2 | $ 100,000 | $ 50,000 | $ 44,000 |
| Vanderburgh County Indiana | 2 | $ 20,000 | $ 10,000 | $ 21,000 |
| Barry County Missouri | 2 | $ 260,000 | $ 130,000 | $ 48,000 |
| Cole County Missouri | 2 | $ 340,000 | $ 170,000 | $ 109,000 |
| Dent County Missouri | 2 | $ 390,000 | $ 195,000 | $ 100,000 |
| Madison County Missouri | 2 | $ 220,000 | $ 110,000 | $ 26,000 |
| Morgan County Missouri | 2 | $ 380,000 | $ 190,000 | $ 320,000 |
| Polk County Missouri | 2 | $ 320,000 | $ 160,000 | $ 204,000 |
| Pulaski County Missouri | 2 | $ 110,000 | $ 55,000 | $ 58,000 |
| Ralls County Missouri | 2 | $ 100,000 | $ 50,000 | $ 57,000 |
| Reynolds County Missouri | 2 | $ 140,000 | $ 70,000 | $ 110,000 |
| Texas County Missouri | 2 | $ 160,000 | $ 80,000 | $ 101,000 |
| Sharp County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 133,000 |
| Washington County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 520,000 |
| San Joaquin County California | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Brevard County Florida | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Charlotte County Florida | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Duval County Florida | 1 | $ 255,000 | $ 255,000 | $ 71,000 |
| Lee County Florida | 1 | $ 395,000 | $ 395,000 | $ 250,000 |
| Levy County Florida | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Martin County Florida | 1 | $ 325,000 | $ 325,000 | $ 159,000 |
| Polk County Florida | 1 | $ 355,000 | $ 355,000 | $ 215,000 |
| Santa Rosa County Florida | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| St. Johns County Florida | 1 | $ 395,000 | $ 395,000 | $ 141,000 |
| St. Lucie County Florida | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
| Gilmer County Georgia | 1 | $ 175,000 | $ 175,000 | $ 155,000 |
| Hall County Georgia | 1 | $ 295,000 | $ 295,000 | $ 178,000 |
| Jackson County Illinois | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Marion County Illinois | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Morgan County Illinois | 1 | $ 105,000 | $ 105,000 | $ 134,000 |
| Johnson County Kansas | 1 | $ 5,000 | $ 5,000 | $ 160,000 |
| Adair County Missouri | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Bollinger County Missouri | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Butler County Missouri | 1 | $ 285,000 | $ 285,000 | $ 181,000 |
| Callaway County Missouri | 1 | $ 135,000 | $ 135,000 | $ 103,000 |
| Christian County Missouri | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| Clay County Missouri | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Howell County Missouri | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Iron County Missouri | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Johnson County Missouri | 1 | $ 45,000 | $ 45,000 | $ 148,000 |
| Laclede County Missouri | 1 | $ 75,000 | $ 75,000 | $ 229,000 |
| Maries County Missouri | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Mississippi County Missouri | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Monroe County Missouri | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Newton County Missouri | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Perry County Missouri | 1 | $ 135,000 | $ 135,000 | $ 111,000 |
| Platte County Missouri | 1 | $ 25,000 | $ 25,000 | $ 118,000 |
| Putnam County Missouri | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Randolph County Missouri | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Saline County Missouri | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Schuyler County Missouri | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Scott County Missouri | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Clark County Nevada | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Brunswick County North Carolina | 1 | $ 875,000 | $ 875,000 | $ 361,000 |
| Grant County Oregon | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Philadelphia County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Aiken County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 93,000 |
| Knox County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 228,000 |
Mortgage Loan Application Detail Totals for First Community in 2022
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 | 3,520 | $771,150,000 | $219,000 | $1,805,000 | $95,000 | $5,720,000 |
| Home Improvement | 1,850 | $127,170,000 | $68,000 | $1,005,000 | $135,000 | $7,964,000 |
| Other Purpose | 1,043 | $79,465,000 | $76,000 | $995,000 | $117,000 | $891,000 |
| Cash-out Refinancing | 718 | $130,910,000 | $182,000 | $4,505,000 | $117,000 | $4,850,000 |
| Refinancing | 329 | $47,335,000 | $143,000 | $725,000 | $96,000 | $518,000 |
| 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 | 5,494 | $825,490,000 | $150,000 | $1,805,000 | $112,000 | $7,964,000 |
| Black or African American | 747 | $109,655,000 | $146,000 | $1,445,000 | $83,000 | $3,880,000 |
| Not Provided | 701 | $121,275,000 | $173,000 | $4,505,000 | $124,000 | $4,850,000 |
| Hispanic | 170 | $24,930,000 | $146,000 | $455,000 | $100,000 | $1,794,000 |
| Asian | 168 | $36,060,000 | $214,000 | $1,005,000 | $119,000 | $852,000 |
| American Indian or Alaskan Native | 48 | $6,200,000 | $129,000 | $435,000 | $89,000 | $266,000 |
| Not applicable | 27 | $3,695,000 | $136,000 | $505,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,045,000 | $149,000 | $205,000 | $72,000 | $115,000 |
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) | 7,460 | $1,156,030,000 | $154,000 | $4,505,000 | $110,000 | $7,964,000 |
| 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 | 2,783 | $348,445,000 | $125,000 | $1,445,000 | $131,000 | $2,826,000 |
| Application Denied By Financial Institution | 2,449 | $377,745,000 | $154,000 | $1,085,000 | $84,000 | $7,964,000 |
| Application Approved But Not Accepted | 2,132 | $414,560,000 | $194,000 | $4,505,000 | $112,000 | $4,850,000 |
| Application Withdrawn By Applicant | 96 | $15,280,000 | $159,000 | $805,000 | $165,000 | $2,015,000 |
| 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 | 5,011 | $778,285,000 | $155,000 | $4,505,000 | $123,000 | $4,850,000 |
| Debt-To-Income Ratio | 1,158 | $195,530,000 | $168,000 | $1,085,000 | $60,000 | $407,000 |
| Credit History | 1,089 | $151,805,000 | $139,000 | $655,000 | $88,000 | $5,720,000 |
| Credit Application Incomplete | 103 | $17,925,000 | $174,000 | $705,000 | $294,000 | $7,964,000 |
| Collateral | 51 | $5,025,000 | $98,000 | $225,000 | $119,000 | $820,000 |
| Unverifiable Information | 21 | $3,185,000 | $151,000 | $335,000 | $62,000 | $150,000 |
| Other | 16 | $2,760,000 | $172,000 | $365,000 | $159,000 | $628,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,260,000 | $157,000 | $505,000 | $85,000 | $125,000 |
| Employment History | 3 | $255,000 | $85,000 | $135,000 | $7,000 | $21,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community's 2022 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 Community'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 Missouri, download the full spreadsheet
with aggregated HMDA statistics today.