First Home Bank Mortgage Lending & HMDA Data, 2021

In 2021, First Home Bank of Seminole, FL reported 10,411 mortgage applications totaling $3.1 billion, up 3% from 2020. The average application was for $299,706, and applicants reported an average income of $111,721. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (488), New York-Newark, NY (436) and Dover, DE (435) (applications in parentheses).

Mortgage Company & Address First Home Bank
9190 Seminole Blvd
Seminole, FL 33772
Tel #: available with data download
Federal Regulator * available with data download
Years 2021  2020  2019  2018  2017  2016  
Total Number of Mortgage Applications 10,411
Total Mortgage Loan Application Amount $3,120,245,000
Average Mortgage Loan Application Amount $299,706
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $111,721
Highest Applicant Income $4,202,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Home Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First Home Bank by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kent, Delaware 435 $ 120,545,000 $ 277,114 $ 88,000
Pierce, Washington 409 $ 151,195,000 $ 369,669 $ 105,000
Sussex, Delaware 292 $ 86,760,000 $ 297,123 $ 130,000
Sarasota, Florida 250 $ 97,050,000 $ 388,200 $ 177,000
Pinellas, Florida 220 $ 60,420,000 $ 274,636 $ 139,000
Harris, Texas 195 $ 53,775,000 $ 275,769 $ 129,000
Richmond, New York 173 $ 76,675,000 $ 443,208 $ 128,000
Ada, Idaho 165 $ 55,865,000 $ 338,575 $ 107,000
Monmouth, New Jersey 162 $ 57,960,000 $ 357,777 $ 142,000
Baltimore, Maryland 151 $ 42,495,000 $ 281,423 $ 121,000
Hillsborough, Florida 134 $ 42,030,000 $ 313,656 $ 122,000
New Castle, Delaware 128 $ 35,400,000 $ 276,562 $ 93,000
Salt Lake, Utah 119 $ 35,905,000 $ 301,722 $ 80,000
Ocean, New Jersey 117 $ 33,815,000 $ 289,017 $ 144,000
King, Washington 109 $ 41,545,000 $ 381,146 $ 101,000
Palm Beach, Florida 98 $ 37,790,000 $ 385,612 $ 171,000
Providence, Rhode Island 95 $ 25,025,000 $ 263,421 $ 75,000
Prince George's, Maryland 94 $ 29,130,000 $ 309,893 $ 104,000
Maricopa, Arizona 91 $ 28,425,000 $ 312,362 $ 113,000
Manatee, Florida 89 $ 29,975,000 $ 336,797 $ 211,000
Middlesex, New Jersey 89 $ 27,495,000 $ 308,932 $ 114,000
Middlesex, Massachusetts 82 $ 41,540,000 $ 506,585 $ 188,000
Kings, New York 79 $ 39,245,000 $ 496,772 $ 136,000
Marion, Indiana 75 $ 11,045,000 $ 147,266 $ 58,000
Clark, Nevada 74 $ 20,860,000 $ 281,891 $ 86,000
Passaic, New Jersey 73 $ 22,565,000 $ 309,109 $ 107,000
Baltimore City, Maryland 70 $ 15,000,000 $ 214,285 $ 98,000
Chambers, Texas 68 $ 22,700,000 $ 333,823 $ 154,000
Howard, Maryland 67 $ 28,725,000 $ 428,731 $ 139,000
Fort Bend, Texas 65 $ 19,225,000 $ 295,769 $ 141,000
Wake, North Carolina 64 $ 17,020,000 $ 265,937 $ 111,000
Broward, Florida 61 $ 18,855,000 $ 309,098 $ 135,000
Norfolk, Massachusetts 61 $ 30,335,000 $ 497,295 $ 186,000
Orange, Florida 59 $ 17,275,000 $ 292,796 $ 99,000
Canyon, Idaho 59 $ 16,705,000 $ 283,135 $ 70,000
Montgomery, Texas 59 $ 17,205,000 $ 291,610 $ 149,000
Cook, Illinois 58 $ 13,440,000 $ 231,724 $ 89,000
Anne Arundel, Maryland 58 $ 19,810,000 $ 341,551 $ 108,000
Jackson, Missouri 57 $ 11,825,000 $ 207,456 $ 86,000
Gwinnett, Georgia 55 $ 14,655,000 $ 266,454 $ 80,000
Plymouth, Massachusetts 54 $ 18,310,000 $ 339,074 $ 142,000
Tarrant, Texas 52 $ 13,600,000 $ 261,538 $ 112,000
Suffolk, New York 51 $ 19,315,000 $ 378,725 $ 147,000
Pasco, Florida 50 $ 10,860,000 $ 217,200 $ 90,000
Carroll, Maryland 50 $ 15,410,000 $ 308,200 $ 122,000
Bergen, New Jersey 49 $ 19,155,000 $ 390,918 $ 143,000
Thurston, Washington 49 $ 16,575,000 $ 338,265 $ 86,000
Essex, Massachusetts 46 $ 20,470,000 $ 445,000 $ 134,000
Morris, New Jersey 46 $ 15,360,000 $ 333,913 $ 122,000
Los Angeles, California 44 $ 14,990,000 $ 340,681 $ 101,000
Osceola, Florida 44 $ 9,720,000 $ 220,909 $ 83,000
Seminole, Florida 43 $ 12,735,000 $ 296,162 $ 100,000
Utah, Utah 43 $ 13,705,000 $ 318,720 $ 88,000
Latah, Idaho 42 $ 13,280,000 $ 316,190 $ 112,000
Worcester, Massachusetts 41 $ 11,895,000 $ 290,121 $ 92,000
Burlington, New Jersey 41 $ 10,225,000 $ 249,390 $ 109,000
Essex, New Jersey 41 $ 13,985,000 $ 341,097 $ 123,000
Union, New Jersey 40 $ 12,400,000 $ 310,000 $ 129,000
Nassau, New York 40 $ 17,550,000 $ 438,750 $ 156,000
Miami-Dade, Florida 37 $ 10,485,000 $ 283,378 $ 113,000
Fulton, Georgia 35 $ 10,265,000 $ 293,285 $ 91,000
Fairfield, Connecticut 34 $ 11,670,000 $ 343,235 $ 112,000
Lee, Florida 34 $ 9,930,000 $ 292,058 $ 91,000
Worcester, Maryland 34 $ 8,990,000 $ 264,411 $ 125,000
Suffolk, Massachusetts 34 $ 19,030,000 $ 559,705 $ 170,000
Queens, New York 33 $ 12,835,000 $ 388,939 $ 109,000
Somerset, New Jersey 32 $ 9,240,000 $ 288,750 $ 103,000
Volusia, Florida 31 $ 9,695,000 $ 312,741 $ 179,000
Bristol, Massachusetts 31 $ 8,185,000 $ 264,032 $ 82,000
Hernando, Florida 30 $ 5,600,000 $ 186,666 $ 76,000
Harford, Maryland 30 $ 8,370,000 $ 279,000 $ 106,000
Sussex, New Jersey 30 $ 7,310,000 $ 243,666 $ 102,000
Riverside, California 29 $ 8,415,000 $ 290,172 $ 77,000
San Diego, California 29 $ 11,065,000 $ 381,551 $ 123,000
New Haven, Connecticut 29 $ 6,925,000 $ 238,793 $ 108,000
Kent, Rhode Island 29 $ 6,615,000 $ 228,103 $ 74,000
Hartford, Connecticut 27 $ 6,875,000 $ 254,629 $ 103,000
Charles, Maryland 27 $ 8,605,000 $ 318,703 $ 102,000
Johnson, Kansas 26 $ 6,790,000 $ 261,153 $ 92,000
Hudson, New Jersey 26 $ 11,100,000 $ 426,923 $ 197,000
Brevard, Florida 25 $ 6,595,000 $ 263,800 $ 94,000
Wicomico, Maryland 25 $ 6,145,000 $ 245,800 $ 119,000
Orange, New York 25 $ 6,445,000 $ 257,800 $ 102,000
Franklin, Ohio 25 $ 5,545,000 $ 221,800 $ 70,000
Montgomery, Maryland 24 $ 5,980,000 $ 249,166 $ 96,000
Oakland, Michigan 24 $ 7,300,000 $ 304,166 $ 122,000
Chester, Pennsylvania 24 $ 9,300,000 $ 387,500 $ 172,000
York, Pennsylvania 24 $ 4,730,000 $ 197,083 $ 72,000
Washington, Rhode Island 24 $ 6,550,000 $ 272,916 $ 100,000
Snohomish, Washington 24 $ 8,800,000 $ 366,666 $ 90,000
Charlotte, Florida 23 $ 6,235,000 $ 271,086 $ 89,000
Cobb, Georgia 22 $ 5,810,000 $ 264,090 $ 90,000
Arapahoe, Colorado 21 $ 7,885,000 $ 375,476 $ 138,000
District of Columbia, District Of Columbia 21 $ 9,745,000 $ 464,047 $ 121,000
Shelby, Tennessee 21 $ 4,935,000 $ 235,000 $ 113,000
Weber, Utah 21 $ 5,125,000 $ 244,047 $ 73,000
Kitsap, Washington 21 $ 7,325,000 $ 348,809 $ 119,000
Polk, Florida 20 $ 4,770,000 $ 238,500 $ 67,000
DeKalb, Georgia 20 $ 6,150,000 $ 307,500 $ 95,000
Greenville, South Carolina 20 $ 4,320,000 $ 216,000 $ 66,000
Travis, Texas 20 $ 7,860,000 $ 393,000 $ 168,000
Spokane, Washington 20 $ 4,790,000 $ 239,500 $ 72,000
Adams, Colorado 19 $ 6,945,000 $ 365,526 $ 106,000
Barnstable, Massachusetts 19 $ 6,085,000 $ 320,263 $ 122,000
Westchester, New York 19 $ 10,495,000 $ 552,368 $ 179,000
Dauphin, Pennsylvania 19 $ 4,335,000 $ 228,157 $ 97,000
Davidson, Tennessee 19 $ 5,405,000 $ 284,473 $ 95,000
Galveston, Texas 19 $ 4,915,000 $ 258,684 $ 100,000
Davis, Utah 19 $ 4,915,000 $ 258,684 $ 74,000
Orange, California 18 $ 9,250,000 $ 513,888 $ 112,000
Honolulu, Hawaii 18 $ 7,990,000 $ 443,888 $ 100,000
Cumberland, Maine 18 $ 4,310,000 $ 239,444 $ 99,000
Bernalillo, New Mexico 18 $ 4,220,000 $ 234,444 $ 66,000
Bucks, Pennsylvania 18 $ 7,440,000 $ 413,333 $ 261,000
Horry, South Carolina 18 $ 4,360,000 $ 242,222 $ 81,000
Lake, Florida 17 $ 4,545,000 $ 267,352 $ 112,000
Washoe, Nevada 17 $ 4,565,000 $ 268,529 $ 85,000
Mecklenburg, North Carolina 17 $ 4,225,000 $ 248,529 $ 120,000
Philadelphia, Pennsylvania 17 $ 4,025,000 $ 236,764 $ 103,000
Oconee, South Carolina 17 $ 3,105,000 $ 182,647 $ 79,000
Collin, Texas 17 $ 6,025,000 $ 354,411 $ 145,000
Fairfax, Virginia 17 $ 6,745,000 $ 396,764 $ 133,000
Clark, Washington 17 $ 4,475,000 $ 263,235 $ 72,000
Duval, Florida 16 $ 3,640,000 $ 227,500 $ 124,000
Henry, Georgia 16 $ 4,160,000 $ 260,000 $ 80,000
Lake, Illinois 16 $ 3,940,000 $ 246,250 $ 127,000
Montgomery, Pennsylvania 16 $ 5,220,000 $ 326,250 $ 129,000
Denton, Texas 16 $ 4,630,000 $ 289,375 $ 106,000
Pima, Arizona 15 $ 3,325,000 $ 221,666 $ 94,000
Sacramento, California 15 $ 3,685,000 $ 245,666 $ 76,000
Collier, Florida 15 $ 4,795,000 $ 319,666 $ 194,000
Hawaii, Hawaii 15 $ 5,105,000 $ 340,333 $ 81,000
Kootenai, Idaho 15 $ 3,665,000 $ 244,333 $ 86,000
Cass, Missouri 15 $ 3,595,000 $ 239,666 $ 82,000
Hillsborough, New Hampshire 15 $ 3,655,000 $ 243,666 $ 96,000
Rockingham, New Hampshire 15 $ 5,515,000 $ 367,666 $ 139,000
Mercer, New Jersey 15 $ 3,985,000 $ 265,666 $ 101,000
Dallas, Texas 15 $ 3,585,000 $ 239,000 $ 115,000
Douglas, Colorado 14 $ 6,710,000 $ 479,285 $ 207,000
Marion, Florida 14 $ 2,570,000 $ 183,571 $ 92,000
Polk, Iowa 14 $ 3,320,000 $ 237,142 $ 119,000
Frederick, Maryland 14 $ 4,440,000 $ 317,142 $ 124,000
St. Louis, Missouri 14 $ 3,000,000 $ 214,285 $ 107,000
Camden, New Jersey 14 $ 2,570,000 $ 183,571 $ 92,000
Delaware, Pennsylvania 14 $ 2,510,000 $ 179,285 $ 82,000
Brazoria, Texas 14 $ 3,560,000 $ 254,285 $ 103,000
Prince William, Virginia 14 $ 5,830,000 $ 416,428 $ 84,000
San Bernardino, California 13 $ 4,545,000 $ 349,615 $ 120,000
New London, Connecticut 13 $ 3,085,000 $ 237,307 $ 76,000
St. Lucie, Florida 13 $ 2,745,000 $ 211,153 $ 80,000
Hennepin, Minnesota 13 $ 3,055,000 $ 235,000 $ 111,000
Santa Fe, New Mexico 13 $ 4,035,000 $ 310,384 $ 74,000
Franklin, North Carolina 13 $ 2,815,000 $ 216,538 $ 101,000
Lancaster, Pennsylvania 13 $ 2,675,000 $ 205,769 $ 94,000
Bexar, Texas 13 $ 4,215,000 $ 324,230 $ 98,000
Lewis, Washington 13 $ 3,365,000 $ 258,846 $ 96,000
Berkeley, West Virginia 13 $ 3,065,000 $ 235,769 $ 51,000
Denver, Colorado 12 $ 4,400,000 $ 366,666 $ 196,000
Clayton, Georgia 12 $ 2,380,000 $ 198,333 $ 49,000
York, Maine 12 $ 3,490,000 $ 290,833 $ 91,000
Delaware, Ohio 12 $ 3,010,000 $ 250,833 $ 98,000
Newport, Rhode Island 12 $ 3,950,000 $ 329,166 $ 111,000
Pinal, Arizona 11 $ 2,875,000 $ 261,363 $ 56,000
Jefferson, Colorado 11 $ 4,575,000 $ 415,909 $ 141,000
Martin, Florida 11 $ 3,455,000 $ 314,090 $ 152,000
Maui, Hawaii 11 $ 4,475,000 $ 406,818 $ 117,000
DuPage, Illinois 11 $ 3,535,000 $ 321,363 $ 93,000
Kane, Illinois 11 $ 2,305,000 $ 209,545 $ 84,000
McHenry, Illinois 11 $ 2,295,000 $ 208,636 $ 87,000
Madison, Indiana 11 $ 1,515,000 $ 137,727 $ 69,000
Yellowstone, Montana 11 $ 2,725,000 $ 247,727 $ 58,000
Dutchess, New York 11 $ 3,145,000 $ 285,909 $ 101,000
New Hanover, North Carolina 11 $ 3,155,000 $ 286,818 $ 140,000
Pender, North Carolina 11 $ 3,565,000 $ 324,090 $ 106,000
Northampton, Pennsylvania 11 $ 2,355,000 $ 214,090 $ 82,000
Chelan, Washington 11 $ 2,785,000 $ 253,181 $ 102,000
Mason, Washington 11 $ 2,215,000 $ 201,363 $ 103,000
Benton, Arkansas 10 $ 2,150,000 $ 215,000 $ 83,000
Boulder, Colorado 10 $ 3,680,000 $ 368,000 $ 135,000
El Paso, Colorado 10 $ 2,450,000 $ 245,000 $ 48,000
Weld, Colorado 10 $ 3,040,000 $ 304,000 $ 74,000
Citrus, Florida 10 $ 1,840,000 $ 184,000 $ 64,000
Escambia, Florida 10 $ 1,580,000 $ 158,000 $ 95,000
Okaloosa, Florida 10 $ 3,060,000 $ 306,000 $ 78,000
Fayette, Kentucky 10 $ 2,010,000 $ 201,000 $ 73,000
Macomb, Michigan 10 $ 2,290,000 $ 229,000 $ 70,000
Wayne, Michigan 10 $ 2,060,000 $ 206,000 $ 93,000
Gloucester, New Jersey 10 $ 3,100,000 $ 310,000 $ 122,000
Bronx, New York 10 $ 4,420,000 $ 442,000 $ 120,000
New York, New York 10 $ 7,480,000 $ 748,000 $ 335,000
Harnett, North Carolina 10 $ 2,220,000 $ 222,000 $ 64,000
Cuyahoga, Ohio 10 $ 2,340,000 $ 234,000 $ 82,000
Multnomah, Oregon 10 $ 2,440,000 $ 244,000 $ 85,000
Chesterfield, Virginia 10 $ 2,370,000 $ 237,000 $ 44,000
Douglas, Georgia 9 $ 1,735,000 $ 192,777 $ 71,000
Bonneville, Idaho 9 $ 1,705,000 $ 189,444 $ 69,000
Will, Illinois 9 $ 1,705,000 $ 189,444 $ 82,000
Dakota, Minnesota 9 $ 2,105,000 $ 233,888 $ 68,000
Clay, Missouri 9 $ 1,985,000 $ 220,555 $ 76,000
Merrimack, New Hampshire 9 $ 2,345,000 $ 260,555 $ 153,000
Warren, New Jersey 9 $ 2,395,000 $ 266,111 $ 63,000
Onondaga, New York 9 $ 1,505,000 $ 167,222 $ 80,000
Rockland, New York 9 $ 3,205,000 $ 356,111 $ 167,000
Moore, North Carolina 9 $ 4,005,000 $ 445,000 $ 117,000
Cumberland, Pennsylvania 9 $ 1,675,000 $ 186,111 $ 90,000
Hamilton, Tennessee 9 $ 1,915,000 $ 212,777 $ 63,000
Williamson, Texas 9 $ 3,135,000 $ 348,333 $ 113,000
Virginia Beach, Virginia 9 $ 3,025,000 $ 336,111 $ 152,000
Yakima, Washington 9 $ 1,935,000 $ 215,000 $ 64,000
Anchorage, Alaska 8 $ 2,720,000 $ 340,000 $ 55,000
Yavapai, Arizona 8 $ 3,180,000 $ 397,500 $ 177,000
Fresno, California 8 $ 1,980,000 $ 247,500 $ 60,000
Placer, California 8 $ 3,400,000 $ 425,000 $ 64,000
Stanislaus, California 8 $ 1,660,000 $ 207,500 $ 83,000
Clay, Florida 8 $ 2,250,000 $ 281,250 $ 117,000
Leon, Florida 8 $ 2,270,000 $ 283,750 $ 121,000
Forsyth, Georgia 8 $ 2,880,000 $ 360,000 $ 111,000
Bingham, Idaho 8 $ 1,680,000 $ 210,000 $ 94,000
Hamilton, Indiana 8 $ 1,840,000 $ 230,000 $ 107,000
Hendricks, Indiana 8 $ 2,020,000 $ 252,500 $ 60,000
Lake, Indiana 8 $ 1,370,000 $ 171,250 $ 64,000
Jefferson, Kentucky 8 $ 1,910,000 $ 238,750 $ 104,000
Calcasieu, Louisiana 8 $ 1,970,000 $ 246,250 $ 114,000
St. Tammany, Louisiana 8 $ 1,770,000 $ 221,250 $ 90,000
Caroline, Maryland 8 $ 1,740,000 $ 217,500 $ 76,000
St. Charles, Missouri 8 $ 1,600,000 $ 200,000 $ 79,000
Atlantic, New Jersey 8 $ 2,080,000 $ 260,000 $ 86,000
Sandoval, New Mexico 8 $ 1,710,000 $ 213,750 $ 90,000
Monroe, New York 8 $ 2,170,000 $ 271,250 $ 176,000
Brunswick, North Carolina 8 $ 2,880,000 $ 360,000 $ 109,000
Iredell, North Carolina 8 $ 2,680,000 $ 335,000 $ 105,000
Allegheny, Pennsylvania 8 $ 1,780,000 $ 222,500 $ 89,000
Lebanon, Pennsylvania 8 $ 1,180,000 $ 147,500 $ 62,000
Beaufort, South Carolina 8 $ 2,730,000 $ 341,250 $ 111,000
Charleston, South Carolina 8 $ 2,500,000 $ 312,500 $ 89,000
Dorchester, South Carolina 8 $ 1,850,000 $ 231,250 $ 77,000
Jefferson, Texas 8 $ 1,640,000 $ 205,000 $ 90,000
Summit, Utah 8 $ 5,640,000 $ 705,000 $ 231,000
Benton, Washington 8 $ 2,180,000 $ 272,500 $ 82,000
Grays Harbor, Washington 8 $ 1,700,000 $ 212,500 $ 70,000
Natrona, Wyoming 8 $ 1,890,000 $ 236,250 $ 55,000
Baldwin, Alabama 7 $ 1,785,000 $ 255,000 $ 128,000
Jefferson, Alabama 7 $ 1,155,000 $ 165,000 $ 79,000
Pulaski, Arkansas 7 $ 1,725,000 $ 246,428 $ 108,000
Contra Costa, California 7 $ 2,345,000 $ 335,000 $ 114,000
Windham, Connecticut 7 $ 1,275,000 $ 182,142 $ 71,000
Flagler, Florida 7 $ 1,365,000 $ 195,000 $ 48,000
Nassau, Florida 7 $ 2,755,000 $ 393,571 $ 148,000
Sumter, Florida 7 $ 1,305,000 $ 186,428 $ 59,000
Columbia, Georgia 7 $ 1,895,000 $ 270,714 $ 56,000
Hall, Georgia 7 $ 1,695,000 $ 242,142 $ 58,000
Twin Falls, Idaho 7 $ 1,975,000 $ 282,142 $ 74,000
Orleans, Louisiana 7 $ 1,905,000 $ 272,142 $ 161,000
Calvert, Maryland 7 $ 2,785,000 $ 397,857 $ 93,000
Queen Anne's, Maryland 7 $ 2,255,000 $ 322,142 $ 123,000
Hampden, Massachusetts 7 $ 1,325,000 $ 189,285 $ 78,000
Hunterdon, New Jersey 7 $ 2,475,000 $ 353,571 $ 125,000
Erie, New York 7 $ 875,000 $ 125,000 $ 86,000
Putnam, New York 7 $ 2,035,000 $ 290,714 $ 153,000
Carteret, North Carolina 7 $ 2,035,000 $ 290,714 $ 128,000
Durham, North Carolina 7 $ 1,805,000 $ 257,857 $ 88,000
Onslow, North Carolina 7 $ 1,945,000 $ 277,857 $ 76,000
Tulsa, Oklahoma 7 $ 2,775,000 $ 396,428 $ 210,000
Clackamas, Oregon 7 $ 2,985,000 $ 426,428 $ 278,000
Lexington, South Carolina 7 $ 1,705,000 $ 243,571 $ 98,000
Spartanburg, South Carolina 7 $ 1,305,000 $ 186,428 $ 81,000
Parker, Texas 7 $ 1,985,000 $ 283,571 $ 91,000
Tooele, Utah 7 $ 1,965,000 $ 280,714 $ 66,000
Loudoun, Virginia 7 $ 3,375,000 $ 482,142 $ 199,000
Whatcom, Washington 7 $ 2,195,000 $ 313,571 $ 100,000
Washington, Arkansas 6 $ 1,600,000 $ 266,666 $ 99,000
San Joaquin, California 6 $ 1,550,000 $ 258,333 $ 74,000
San Mateo, California 6 $ 2,480,000 $ 413,333 $ 109,000
Santa Clara, California 6 $ 2,590,000 $ 431,666 $ 131,000
Tulare, California 6 $ 1,980,000 $ 330,000 $ 88,000
Ventura, California 6 $ 3,140,000 $ 523,333 $ 141,000
Litchfield, Connecticut 6 $ 1,520,000 $ 253,333 $ 84,000
Indian River, Florida 6 $ 1,130,000 $ 188,333 $ 66,000
Levy, Florida 6 $ 1,410,000 $ 235,000 $ 91,000
Chatham, Georgia 6 $ 1,250,000 $ 208,333 $ 96,000
Paulding, Georgia 6 $ 1,470,000 $ 245,000 $ 65,000
Johnson, Indiana 6 $ 1,470,000 $ 245,000 $ 188,000
Douglas, Kansas 6 $ 1,120,000 $ 186,666 $ 95,000
Ramsey, Minnesota 6 $ 1,340,000 $ 223,333 $ 60,000
DeSoto, Mississippi 6 $ 1,010,000 $ 168,333 $ 63,000
Harrison, Mississippi 6 $ 1,490,000 $ 248,333 $ 100,000
Strafford, New Hampshire 6 $ 1,530,000 $ 255,000 $ 75,000
Cape May, New Jersey 6 $ 2,280,000 $ 380,000 $ 164,000
Alamance, North Carolina 6 $ 1,120,000 $ 186,666 $ 83,000
Buncombe, North Carolina 6 $ 1,710,000 $ 285,000 $ 91,000
Cumberland, North Carolina 6 $ 1,420,000 $ 236,666 $ 83,000
Johnston, North Carolina 6 $ 1,720,000 $ 286,666 $ 88,000
Fairfield, Ohio 6 $ 1,240,000 $ 206,666 $ 64,000
Lane, Oregon 6 $ 1,470,000 $ 245,000 $ 72,000
Berks, Pennsylvania 6 $ 1,160,000 $ 193,333 $ 68,000
Pike, Pennsylvania 6 $ 980,000 $ 163,333 $ 80,000
Anderson, South Carolina 6 $ 1,070,000 $ 178,333 $ 46,000
Pickens, South Carolina 6 $ 1,410,000 $ 235,000 $ 60,000
Richland, South Carolina 6 $ 1,790,000 $ 298,333 $ 100,000
Liberty, Texas 6 $ 1,980,000 $ 330,000 $ 119,000
Chittenden, Vermont 6 $ 1,410,000 $ 235,000 $ 29,000
Henrico, Virginia 6 $ 2,340,000 $ 390,000 $ 213,000
Stafford, Virginia 6 $ 2,050,000 $ 341,666 $ 96,000
Elmore, Alabama 5 $ 1,065,000 $ 213,000 $ 96,000
Lee, Alabama 5 $ 1,105,000 $ 221,000 $ 48,000
Montgomery, Alabama 5 $ 1,265,000 $ 253,000 $ 81,000
Matanuska-Susitna, Alaska 5 $ 1,585,000 $ 317,000 $ 72,000
Kern, California 5 $ 1,335,000 $ 267,000 $ 66,000
Solano, California 5 $ 1,255,000 $ 251,000 $ 82,000
Summit, Colorado 5 $ 1,735,000 $ 347,000 $ 142,000
Middlesex, Connecticut 5 $ 1,055,000 $ 211,000 $ 65,000
Bay, Florida 5 $ 905,000 $ 181,000 $ 127,000
Santa Rosa, Florida 5 $ 1,155,000 $ 231,000 $ 30,000
Cherokee, Georgia 5 $ 1,095,000 $ 219,000 $ 69,000
Floyd, Georgia 5 $ 1,075,000 $ 215,000 $ 156,000
Rockdale, Georgia 5 $ 1,245,000 $ 249,000 $ 115,000
Nez Perce, Idaho 5 $ 955,000 $ 191,000 $ 54,000
Linn, Iowa 5 $ 1,015,000 $ 203,000 $ 140,000
Scott, Kentucky 5 $ 1,735,000 $ 347,000 $ 70,000
Somerset, Maryland 5 $ 795,000 $ 159,000 $ 69,000
St. Mary's, Maryland 5 $ 1,565,000 $ 313,000 $ 122,000
Kent, Michigan 5 $ 895,000 $ 179,000 $ 59,000
Washtenaw, Michigan 5 $ 935,000 $ 187,000 $ 54,000
Anoka, Minnesota 5 $ 935,000 $ 187,000 $ 57,000
Jefferson, Missouri 5 $ 955,000 $ 191,000 $ 76,000
Flathead, Montana 5 $ 1,745,000 $ 349,000 $ 173,000
Lancaster, Nebraska 5 $ 1,025,000 $ 205,000 $ 61,000
Salem, New Jersey 5 $ 965,000 $ 193,000 $ 69,000
Albany, New York 5 $ 705,000 $ 141,000 $ 60,000
Oneida, New York 5 $ 765,000 $ 153,000 $ 99,000
Cabarrus, North Carolina 5 $ 1,575,000 $ 315,000 $ 126,000
Dare, North Carolina 5 $ 1,685,000 $ 337,000 $ 298,000
Granville, North Carolina 5 $ 1,555,000 $ 311,000 $ 104,000
Butler, Ohio 5 $ 915,000 $ 183,000 $ 50,000
Hamilton, Ohio 5 $ 1,055,000 $ 211,000 $ 94,000
Montgomery, Ohio 5 $ 2,055,000 $ 411,000 $ 177,000
Deschutes, Oregon 5 $ 1,675,000 $ 335,000 $ 78,000
Adams, Pennsylvania 5 $ 1,215,000 $ 243,000 $ 52,000
Lackawanna, Pennsylvania 5 $ 755,000 $ 151,000 $ 96,000
Monroe, Pennsylvania 5 $ 1,325,000 $ 265,000 $ 180,000
Wayne, Pennsylvania 5 $ 705,000 $ 141,000 $ 72,000
Bristol, Rhode Island 5 $ 2,785,000 $ 557,000 $ 154,000
Aiken, South Carolina 5 $ 1,375,000 $ 275,000 $ 57,000
York, South Carolina 5 $ 1,875,000 $ 375,000 $ 124,000
Knox, Tennessee 5 $ 985,000 $ 197,000 $ 53,000
Wilson, Tennessee 5 $ 1,785,000 $ 357,000 $ 117,000
Bell, Texas 5 $ 1,035,000 $ 207,000 $ 64,000
Kaufman, Texas 5 $ 1,505,000 $ 301,000 $ 95,000
Cache, Utah 5 $ 1,375,000 $ 275,000 $ 76,000
Washington, Utah 5 $ 2,335,000 $ 467,000 $ 227,000
Bennington, Vermont 5 $ 1,475,000 $ 295,000 $ 87,000
Hampton, Virginia 5 $ 1,535,000 $ 307,000 $ 119,000
Grant, Washington 5 $ 1,325,000 $ 265,000 $ 90,000
Island, Washington 5 $ 1,175,000 $ 235,000 $ 57,000
Fairbanks North Star, Alaska 4 $ 1,160,000 $ 290,000 $ 59,000
Garland, Arkansas 4 $ 1,080,000 $ 270,000 $ 443,000
Shasta, California 4 $ 820,000 $ 205,000 $ 55,000
Pueblo, Colorado 4 $ 710,000 $ 177,500 $ 57,000
Tolland, Connecticut 4 $ 1,020,000 $ 255,000 $ 72,000
Putnam, Florida 4 $ 790,000 $ 197,500 $ 116,000
Walton, Florida 4 $ 1,870,000 $ 467,500 $ 141,000
Camden, Georgia 4 $ 980,000 $ 245,000 $ 64,000
Coweta, Georgia 4 $ 580,000 $ 145,000 $ 42,000
Houston, Georgia 4 $ 680,000 $ 170,000 $ 60,000
Newton, Georgia 4 $ 840,000 $ 210,000 $ 58,000
Oconee, Georgia 4 $ 1,070,000 $ 267,500 $ 50,000
Walton, Georgia 4 $ 870,000 $ 217,500 $ 106,000
Bannock, Idaho 4 $ 850,000 $ 212,500 $ 59,000
Elmore, Idaho 4 $ 1,210,000 $ 302,500 $ 126,000
Gem, Idaho 4 $ 890,000 $ 222,500 $ 91,000
Payette, Idaho 4 $ 1,100,000 $ 275,000 $ 49,000
Allen, Indiana 4 $ 1,000,000 $ 250,000 $ 77,000
Porter, Indiana 4 $ 1,040,000 $ 260,000 $ 83,000
Kenton, Kentucky 4 $ 610,000 $ 152,500 $ 53,000
Ascension, Louisiana 4 $ 890,000 $ 222,500 $ 47,000
Lafourche, Louisiana 4 $ 900,000 $ 225,000 $ 84,000
Oxford, Maine 4 $ 1,230,000 $ 307,500 $ 151,000
Sagadahoc, Maine 4 $ 760,000 $ 190,000 $ 76,000
Washington, Maryland 4 $ 830,000 $ 207,500 $ 121,000
Madison, Mississippi 4 $ 910,000 $ 227,500 $ 77,000
Douglas, Nebraska 4 $ 740,000 $ 185,000 $ 80,000
Lyon, Nevada 4 $ 1,000,000 $ 250,000 $ 89,000
Dona Ana, New Mexico 4 $ 1,050,000 $ 262,500 $ 55,000
Craven, North Carolina 4 $ 710,000 $ 177,500 $ 77,000
Forsyth, North Carolina 4 $ 630,000 $ 157,500 $ 61,000
Guilford, North Carolina 4 $ 770,000 $ 192,500 $ 161,000
Haywood, North Carolina 4 $ 840,000 $ 210,000 $ 77,000
Orange, North Carolina 4 $ 1,480,000 $ 370,000 $ 215,000
Vance, North Carolina 4 $ 770,000 $ 192,500 $ 104,000
Lorain, Ohio 4 $ 910,000 $ 227,500 $ 105,000
Lucas, Ohio 4 $ 510,000 $ 127,500 $ 87,000
Summit, Ohio 4 $ 1,370,000 $ 342,500 $ 65,000
Jackson, Oregon 4 $ 1,320,000 $ 330,000 $ 50,000
Blount, Tennessee 4 $ 1,030,000 $ 257,500 $ 51,000
Brazos, Texas 4 $ 670,000 $ 167,500 $ 57,000
Box Elder, Utah 4 $ 970,000 $ 242,500 $ 42,000
Addison, Vermont 4 $ 1,070,000 $ 267,500 $ 173,000
Windham, Vermont 4 $ 1,270,000 $ 317,500 $ 117,000
Chesapeake, Virginia 4 $ 1,110,000 $ 277,500 $ 95,000
Culpeper, Virginia 4 $ 1,490,000 $ 372,500 $ 114,000
Frederick, Virginia 4 $ 990,000 $ 247,500 $ 32,000
Norfolk, Virginia 4 $ 1,300,000 $ 325,000 $ 107,000
Franklin, Washington 4 $ 1,090,000 $ 272,500 $ 100,000
Skagit, Washington 4 $ 1,310,000 $ 327,500 $ 108,000
Jefferson, West Virginia 4 $ 1,200,000 $ 300,000 $ 147,000
Laramie, Wyoming 4 $ 890,000 $ 222,500 $ 125,000
Madison, Alabama 3 $ 785,000 $ 261,666 $ 85,000
Russell, Alabama 3 $ 555,000 $ 185,000 $ 60,000
Shelby, Alabama 3 $ 645,000 $ 215,000 $ 129,000
Kenai Peninsula, Alaska 3 $ 885,000 $ 295,000 $ 0
Mohave, Arizona 3 $ 635,000 $ 211,666 $ 30,000
Alameda, California 3 $ 1,425,000 $ 475,000 $ 92,000
Archuleta, Colorado 3 $ 855,000 $ 285,000 $ 115,000
Grand, Colorado 3 $ 675,000 $ 225,000 $ 149,000
La Plata, Colorado 3 $ 1,105,000 $ 368,333 $ 68,000
Larimer, Colorado 3 $ 505,000 $ 168,333 $ 90,000
Highlands, Florida 3 $ 565,000 $ 188,333 $ 69,000
Monroe, Florida 3 $ 1,595,000 $ 531,666 $ 154,000
Barrow, Georgia 3 $ 635,000 $ 211,666 $ 78,000
Carroll, Georgia 3 $ 515,000 $ 171,666 $ 38,000
Fayette, Georgia 3 $ 795,000 $ 265,000 $ 82,000
Harris, Georgia 3 $ 865,000 $ 288,333 $ 73,000
Muscogee, Georgia 3 $ 495,000 $ 165,000 $ 78,000
Valley, Idaho 3 $ 745,000 $ 248,333 $ 132,000
LaSalle, Illinois 3 $ 585,000 $ 195,000 $ 45,000
Hancock, Indiana 3 $ 485,000 $ 161,666 $ 48,000
Shelby, Indiana 3 $ 545,000 $ 181,666 $ 72,000
Scott, Iowa 3 $ 725,000 $ 241,666 $ 81,000
Story, Iowa 3 $ 805,000 $ 268,333 $ 163,000
Reno, Kansas 3 $ 835,000 $ 278,333 $ 48,000
Shawnee, Kansas 3 $ 585,000 $ 195,000 $ 38,000
East Baton Rouge, Louisiana 3 $ 715,000 $ 238,333 $ 96,000
Livingston, Louisiana 3 $ 705,000 $ 235,000 $ 87,000
Vermilion, Louisiana 3 $ 615,000 $ 205,000 $ 115,000
Androscoggin, Maine 3 $ 545,000 $ 181,666 $ 70,000
Kennebec, Maine 3 $ 665,000 $ 221,666 $ 74,000
Allegany, Maryland 3 $ 425,000 $ 141,666 $ 51,000
Talbot, Maryland 3 $ 775,000 $ 258,333 $ 172,000
Hampshire, Massachusetts 3 $ 915,000 $ 305,000 $ 96,000
Eaton, Michigan 3 $ 605,000 $ 201,666 $ 76,000
Lapeer, Michigan 3 $ 875,000 $ 291,666 $ 82,000
Lee, Mississippi 3 $ 385,000 $ 128,333 $ 52,000
Butler, Missouri 3 $ 605,000 $ 201,666 $ 54,000
Franklin, Missouri 3 $ 455,000 $ 151,666 $ 48,000
Greene, Missouri 3 $ 695,000 $ 231,666 $ 84,000
Jasper, Missouri 3 $ 505,000 $ 168,333 $ 17,000
Platte, Missouri 3 $ 755,000 $ 251,666 $ 81,000
Pulaski, Missouri 3 $ 535,000 $ 178,333 $ 0
St. Louis City, Missouri 3 $ 655,000 $ 218,333 $ 115,000
Taney, Missouri 3 $ 515,000 $ 171,666 $ 30,000
Sarpy, Nebraska 3 $ 865,000 $ 288,333 $ 90,000
Cumberland, New Jersey 3 $ 765,000 $ 255,000 $ 76,000
Delaware, New York 3 $ 645,000 $ 215,000 $ 111,000
Otsego, New York 3 $ 885,000 $ 295,000 $ 66,000
Saratoga, New York 3 $ 815,000 $ 271,666 $ 103,000
Schenectady, New York 3 $ 385,000 $ 128,333 $ 60,000
Sullivan, New York 3 $ 805,000 $ 268,333 $ 234,000
Davidson, North Carolina 3 $ 625,000 $ 208,333 $ 69,000
Jackson, North Carolina 3 $ 1,705,000 $ 568,333 $ 366,000
Nash, North Carolina 3 $ 755,000 $ 251,666 $ 78,000
Clermont, Ohio 3 $ 665,000 $ 221,666 $ 147,000
Lake, Ohio 3 $ 455,000 $ 151,666 $ 43,000
Licking, Ohio 3 $ 635,000 $ 211,666 $ 98,000
Madison, Ohio 3 $ 575,000 $ 191,666 $ 60,000
Mahoning, Ohio 3 $ 585,000 $ 195,000 $ 81,000
Richland, Ohio 3 $ 285,000 $ 95,000 $ 27,000
Stark, Ohio 3 $ 515,000 $ 171,666 $ 33,000
Wood, Ohio 3 $ 525,000 $ 175,000 $ 39,000
Oklahoma, Oklahoma 3 $ 415,000 $ 138,333 $ 56,000
Marion, Oregon 3 $ 655,000 $ 218,333 $ 36,000
Butler, Pennsylvania 3 $ 575,000 $ 191,666 $ 88,000
Erie, Pennsylvania 3 $ 415,000 $ 138,333 $ 62,000
Luzerne, Pennsylvania 3 $ 585,000 $ 195,000 $ 88,000
Schuylkill, Pennsylvania 3 $ 495,000 $ 165,000 $ 61,000
Washington, Pennsylvania 3 $ 395,000 $ 131,666 $ 70,000
Westmoreland, Pennsylvania 3 $ 275,000 $ 91,666 $ 63,000
Berkeley, South Carolina 3 $ 665,000 $ 221,666 $ 56,000
Sumter, South Carolina 3 $ 575,000 $ 191,666 $ 46,000
Meade, South Dakota 3 $ 815,000 $ 271,666 $ 53,000
Loudon, Tennessee 3 $ 1,045,000 $ 348,333 $ 81,000
Montgomery, Tennessee 3 $ 735,000 $ 245,000 $ 66,000
Rutherford, Tennessee 3 $ 555,000 $ 185,000 $ 67,000
Sevier, Tennessee 3 $ 1,005,000 $ 335,000 $ 58,000
Williamson, Tennessee 3 $ 945,000 $ 315,000 $ 68,000
Comal, Texas 3 $ 1,465,000 $ 488,333 $ 227,000
Ellis, Texas 3 $ 675,000 $ 225,000 $ 77,000
Guadalupe, Texas 3 $ 845,000 $ 281,666 $ 107,000
Johnson, Texas 3 $ 735,000 $ 245,000 $ 117,000
San Jacinto, Texas 3 $ 895,000 $ 298,333 $ 115,000
Waller, Texas 3 $ 1,215,000 $ 405,000 $ 158,000
Wasatch, Utah 3 $ 835,000 $ 278,333 $ 76,000
Washington, Vermont 3 $ 545,000 $ 181,666 $ 93,000
Lynchburg, Virginia 3 $ 475,000 $ 158,333 $ 44,000
New Kent, Virginia 3 $ 955,000 $ 318,333 $ 129,000
Richmond City, Virginia 3 $ 665,000 $ 221,666 $ 99,000
Suffolk, Virginia 3 $ 895,000 $ 298,333 $ 73,000
York, Virginia 3 $ 1,145,000 $ 381,666 $ 79,000
Asotin, Washington 3 $ 635,000 $ 211,666 $ 78,000
San Juan, Washington 3 $ 1,105,000 $ 368,333 $ 84,000
Stevens, Washington 3 $ 815,000 $ 271,666 $ 85,000
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Mortgage Loan Application Detail Totals for First Home Bank 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 3,830 $1,274,460,000 $332,000 $3,005,000 $124,000 $4,202,000
Refinancing 3,670 $1,017,130,000 $277,000 $1,905,000 $103,000 $2,534,000
Cash-out Refinancing 2,788 $804,570,000 $288,000 $1,415,000 $107,000 $3,624,000
Home Improvement 103 $21,435,000 $208,000 $555,000 $94,000 $500,000
Other Purpose 20 $2,650,000 $132,000 $755,000 $110,000 $283,000
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 6,498 $1,965,610,000 $302,000 $3,005,000 $118,000 $4,202,000
Black or African American 1,228 $352,680,000 $287,000 $1,925,000 $93,000 $2,554,000
Not Provided 1,147 $359,005,000 $312,000 $2,545,000 $115,000 $2,534,000
Hispanic 1,024 $273,630,000 $267,000 $1,305,000 $86,000 $690,000
Asian 419 $138,285,000 $330,000 $1,105,000 $126,000 $3,624,000
American Indian or Alaskan Native 39 $13,415,000 $343,000 $1,805,000 $107,000 $720,000
Native Hawaiian or Other Pacific Islander 38 $11,620,000 $305,000 $665,000 $105,000 $657,000
Not applicable 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) 8,026 $2,410,870,000 $300,000 $3,005,000 $124,000 $4,202,000
FHA-insured (Federal Housing Administration) 1,176 $327,100,000 $278,000 $935,000 $76,000 $339,000
VA-guaranteed (Veterans Administration) 1,134 $362,820,000 $319,000 $1,425,000 $66,000 $834,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 75 $19,455,000 $259,000 $555,000 $63,000 $107,000

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 7,069 $2,147,515,000 $303,000 $2,365,000 $114,000 $2,554,000
Application Withdrawn By Applicant 2,080 $601,710,000 $289,000 $3,005,000 $112,000 $3,316,000
Application Denied By Financial Institution 992 $288,500,000 $290,000 $2,545,000 $92,000 $4,202,000
File Closed For Incompleteness 226 $71,660,000 $317,000 $1,305,000 $137,000 $3,624,000
Application Approved But Not Accepted 44 $10,860,000 $246,000 $645,000 $88,000 $445,000
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 9,419 $2,831,745,000 $300,000 $3,005,000 $114,000 $3,624,000
Debt-To-Income Ratio 419 $126,025,000 $300,000 $2,545,000 $67,000 $769,000
Collateral 175 $50,915,000 $290,000 $1,415,000 $145,000 $4,202,000
Other 148 $42,990,000 $290,000 $1,105,000 $102,000 $618,000
Credit History 145 $36,615,000 $252,000 $725,000 $89,000 $396,000
Unverifiable Information 37 $11,965,000 $323,000 $1,905,000 $105,000 $657,000
Employment History 27 $6,965,000 $257,000 $545,000 $72,000 $206,000
Credit Application Incomplete 23 $6,795,000 $295,000 $585,000 $75,000 $193,000
Insufficient Cash (Downpayment, Closing Cost) 18 $6,230,000 $346,000 $845,000 $117,000 $390,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Home Bank'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 Home 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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