First Federal Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First Federal Bank 2010 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 Federal Bank 601 Clinton Street Defiance, OH 43512 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,108 |
| Total Mortgage Loan Application Amount | $608,973,000 |
| Average Mortgage Loan Application Amount | $90,666 |
| Highest Mortgage Loan Application Amount | $1,583,000 |
| Average Applicant Income | $61,333 |
| Highest Applicant Income | $1,616,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with First Federal Bank. 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 Federal Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down First Federal Bank'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 Federal Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Bank, 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 Federal Bank's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Defiance County Ohio | 520 | $ 54,570,000 | $ 104,000 | $ 60,000 |
| Lenawee County Michigan | 485 | $ 57,640,000 | $ 118,000 | $ 72,000 |
| Hancock County Ohio | 483 | $ 71,727,000 | $ 148,000 | $ 84,000 |
| Allen County Ohio | 446 | $ 52,676,000 | $ 118,000 | $ 74,000 |
| Williams County Ohio | 400 | $ 38,240,000 | $ 95,000 | $ 63,000 |
| Wood County Ohio | 388 | $ 57,791,000 | $ 148,000 | $ 82,000 |
| Henry County Ohio | 285 | $ 32,256,000 | $ 113,000 | $ 69,000 |
| Putnam County Ohio | 228 | $ 24,558,000 | $ 107,000 | $ 63,000 |
| Lucas County Ohio | 214 | $ 33,184,000 | $ 155,000 | $ 96,000 |
| Fulton County Ohio | 158 | $ 17,078,000 | $ 108,000 | $ 56,000 |
| Paulding County Ohio | 155 | $ 15,414,000 | $ 99,000 | $ 67,000 |
| Van Wert County Ohio | 95 | $ 8,857,000 | $ 93,000 | $ 62,000 |
| Auglaize County Ohio | 76 | $ 9,032,000 | $ 118,000 | $ 61,000 |
| Hillsdale County Michigan | 68 | $ 7,487,000 | $ 110,000 | $ 61,000 |
| Ottawa County Ohio | 67 | $ 9,356,000 | $ 139,000 | $ 96,000 |
| Washtenaw County Michigan | 63 | $ 9,980,000 | $ 158,000 | $ 105,000 |
| Seneca County Ohio | 60 | $ 6,217,000 | $ 103,000 | $ 67,000 |
| Allen County Indiana | 52 | $ 7,509,000 | $ 144,000 | $ 69,000 |
| Steuben County Indiana | 35 | $ 5,553,000 | $ 158,000 | $ 93,000 |
| Jackson County Michigan | 21 | $ 2,508,000 | $ 119,000 | $ 75,000 |
| Monroe County Michigan | 21 | $ 3,874,000 | $ 184,000 | $ 86,000 |
| Sandusky County Ohio | 20 | $ 2,239,000 | $ 111,000 | $ 61,000 |
| Mercer County Ohio | 18 | $ 2,411,000 | $ 133,000 | $ 69,000 |
| Shelby County Ohio | 11 | $ 1,138,000 | $ 103,000 | $ 55,000 |
| Wyandot County Ohio | 11 | $ 1,568,000 | $ 142,000 | $ 84,000 |
| Franklin County Ohio | 10 | $ 1,749,000 | $ 174,000 | $ 218,000 |
| Wayne County Michigan | 9 | $ 1,142,000 | $ 126,000 | $ 79,000 |
| Hardin County Ohio | 9 | $ 1,325,000 | $ 147,000 | $ 49,000 |
| Logan County Ohio | 9 | $ 1,378,000 | $ 153,000 | $ 324,000 |
| Branch County Michigan | 8 | $ 1,584,000 | $ 198,000 | $ 139,000 |
| Delaware County Ohio | 8 | $ 2,195,000 | $ 274,000 | $ 241,000 |
| Livingston County Michigan | 7 | $ 793,000 | $ 113,000 | $ 52,000 |
| Oakland County Michigan | 5 | $ 821,000 | $ 164,000 | $ 277,000 |
| DeKalb County Indiana | 3 | $ 540,000 | $ 180,000 | $ 42,000 |
| LaGrange County Indiana | 3 | $ 268,000 | $ 89,000 | $ 72,000 |
| Lee County Florida | 2 | $ 285,000 | $ 142,000 | $ 81,000 |
| Antrim County Michigan | 2 | $ 381,000 | $ 190,000 | $ 127,000 |
| Cheboygan County Michigan | 2 | $ 192,000 | $ 96,000 | $ 87,000 |
| Kalamazoo County Michigan | 2 | $ 366,000 | $ 183,000 | $ 114,000 |
| Mackinac County Michigan | 2 | $ 800,000 | $ 400,000 | $ 1,320,000 |
| Montgomery County Ohio | 2 | $ 168,000 | $ 84,000 | $ 114,000 |
| Beaufort County South Carolina | 2 | $ 805,000 | $ 402,000 | $ 250,000 |
| Pima County Arizona | 1 | $ 117,000 | $ 117,000 | $ 72,000 |
| Pinal County Arizona | 1 | $ 146,000 | $ 146,000 | $ 102,000 |
| Pueblo County Colorado | 1 | $ 104,000 | $ 104,000 | $ 49,000 |
| Escambia County Florida | 1 | $ 254,000 | $ 254,000 | $ 156,000 |
| Lake County Florida | 1 | $ 228,000 | $ 228,000 | $ 49,000 |
| Polk County Florida | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Sarasota County Florida | 1 | $ 459,000 | $ 459,000 | $ 212,000 |
| Hamilton County Indiana | 1 | $ 405,000 | $ 405,000 | $ 140,000 |
| Kosciusko County Indiana | 1 | $ 130,000 | $ 130,000 | $ 125,000 |
| Marion County Indiana | 1 | $ 84,000 | $ 84,000 | $ 33,000 |
| Vigo County Indiana | 1 | $ 86,000 | $ 86,000 | $ 41,000 |
| Whitley County Indiana | 1 | $ 284,000 | $ 284,000 | $ 117,000 |
| Laurel County Kentucky | 1 | $ 168,000 | $ 168,000 | $ 104,000 |
| Berrien County Michigan | 1 | $ 221,000 | $ 221,000 | $ 110,000 |
| Clinton County Michigan | 1 | $ 123,000 | $ 123,000 | $ 201,000 |
| Grand Traverse County Michigan | 1 | $ 400,000 | $ 400,000 | $ 115,000 |
| Kent County Michigan | 1 | $ 128,000 | $ 128,000 | $ 33,000 |
| Lake County Michigan | 1 | $ 123,000 | $ 123,000 | $ 139,000 |
| Luce County Michigan | 1 | $ 54,000 | $ 54,000 | $ 356,000 |
| Macomb County Michigan | 1 | $ 146,000 | $ 146,000 | $ 163,000 |
| Muskegon County Michigan | 1 | $ 206,000 | $ 206,000 | $ 106,000 |
| Ogemaw County Michigan | 1 | $ 110,000 | $ 110,000 | $ 146,000 |
| Ottawa County Michigan | 1 | $ 109,000 | $ 109,000 | $ 34,000 |
| Schoolcraft County Michigan | 1 | $ 58,000 | $ 58,000 | $ 51,000 |
| Durham County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 135,000 |
| Mecklenburg County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Clark County Ohio | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Crawford County Ohio | 1 | $ 152,000 | $ 152,000 | $ 110,000 |
| Erie County Ohio | 1 | $ 130,000 | $ 130,000 | $ 148,000 |
| Greene County Ohio | 1 | $ 250,000 | $ 250,000 | $ 198,000 |
| Hamilton County Ohio | 1 | $ 124,000 | $ 124,000 | $ 49,000 |
| Huron County Ohio | 1 | $ 89,000 | $ 89,000 | $ 72,000 |
| Medina County Ohio | 1 | $ 294,000 | $ 294,000 | $ 86,000 |
| Preble County Ohio | 1 | $ 170,000 | $ 170,000 | $ 101,000 |
| Warren County Ohio | 1 | $ 392,000 | $ 392,000 | $ 164,000 |
| Sevier County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 167,000 |
| Bexar County Texas | 1 | $ 237,000 | $ 237,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for First Federal Bank in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,447 | $435,843,000 | $126,000 | $1,583,000 | $76,000 | $1,312,000 |
| Home Purchase | 1,628 | $171,760,000 | $105,000 | $1,025,000 | $62,000 | $1,616,000 |
| Home Improvement | 33 | $1,370,000 | $41,000 | $700,000 | $46,000 | $182,000 |
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 | 4,821 | $572,101,000 | $118,000 | $1,150,000 | $73,000 | $1,616,000 |
| Hispanic | 130 | $11,230,000 | $86,000 | $283,000 | $56,000 | $266,000 |
| Not applicable | 59 | $14,321,000 | $242,000 | $1,583,000 | $0 | $0 |
| Not Provided | 33 | $3,151,000 | $95,000 | $240,000 | $49,000 | $163,000 |
| Black or African American | 30 | $3,231,000 | $107,000 | $247,000 | $72,000 | $500,000 |
| Asian | 29 | $4,218,000 | $145,000 | $414,000 | $80,000 | $250,000 |
| American Indian or Alaskan Native | 4 | $407,000 | $101,000 | $128,000 | $45,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $314,000 | $157,000 | $204,000 | $74,000 | $89,000 |
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) | 4,577 | $560,658,000 | $122,000 | $1,583,000 | $74,000 | $1,616,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 286 | $23,059,000 | $80,000 | $204,000 | $36,000 | $102,000 |
| FHA-insured (Federal Housing Administration) | 245 | $25,256,000 | $103,000 | $270,000 | $50,000 | $449,000 |
| 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 | 3,417 | $428,977,000 | $125,000 | $1,583,000 | $76,000 | $1,616,000 |
| Application Withdrawn By Applicant | 518 | $62,857,000 | $121,000 | $417,000 | $80,000 | $1,328,000 |
| Application Denied By Financial Institution | 415 | $43,495,000 | $104,000 | $417,000 | $53,000 | $335,000 |
| Preapproval Denied by Financial Institution | 395 | $31,161,000 | $78,000 | $1,000,000 | $39,000 | $495,000 |
| Preapproval Approved but not Accepted | 211 | $23,613,000 | $111,000 | $290,000 | $57,000 | $208,000 |
| Application Approved But Not Accepted | 151 | $18,735,000 | $124,000 | $417,000 | $75,000 | $1,312,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $169,000 | $169,000 |
| Loan Purchased By The 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 | 358 | $29,832,000 | $83,000 | $1,000,000 | $45,000 | $495,000 |
| Debt-To-Income Ratio | 205 | $20,869,000 | $101,000 | $414,000 | $38,000 | $132,000 |
| Collateral | 73 | $9,227,000 | $126,000 | $417,000 | $69,000 | $335,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 68 | $5,269,000 | $77,000 | $194,000 | $46,000 | $215,000 |
| Other | 41 | $3,896,000 | $95,000 | $258,000 | $58,000 | $240,000 |
| Mortgage Insurance Denied | 31 | $2,780,000 | $89,000 | $222,000 | $53,000 | $250,000 |
| Employment History | 26 | $1,755,000 | $67,000 | $165,000 | $38,000 | $169,000 |
| Unverifiable Information | 8 | $1,028,000 | $128,000 | $350,000 | $32,000 | $159,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Bank's 2010 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 Federal Bank'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.