First Mutual Bank, FSB Mortgage Lending & HMDA Data, 2023
In 2023, First Mutual Bank, FSB of Belpre, OH reported 56 mortgage applications totaling $11.8 million. The average application was for $210,178, and applicants reported an average income of $145,553. 61% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Parkersburg-Vienna, WV (24), Charleston, WV (2) and Columbus, OH (1) (applications in parentheses).
| Mortgage Company & Address | First Mutual Bank, FSB 631 Washington Blvd Belpre, OH 45714 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 |
| Total Number of Mortgage Applications | 56 |
| Total Mortgage Loan Application Amount | $11,770,000 |
| Average Mortgage Loan Application Amount | $210,178 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $145,553 |
| Highest Applicant Income | $414,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Mutual Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for First Mutual Bank, FSB in 2023
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 | 52 | $11,320,000 | $217,000 | $675,000 | $148,000 | $414,000 |
| Home Improvement | 2 | $160,000 | $80,000 | $135,000 | $107,000 | $135,000 |
| Cash-out Refinancing | 1 | $175,000 | $175,000 | $175,000 | $113,000 | $113,000 |
| Refinancing | 1 | $115,000 | $115,000 | $115,000 | $128,000 | $128,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 46 | $10,080,000 | $219,000 | $675,000 | $144,000 | $414,000 |
| Not applicable | 5 | $505,000 | $101,000 | $155,000 | $0 | $0 |
| Not Provided | 5 | $1,185,000 | $237,000 | $375,000 | $157,000 | $267,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 56 | $11,770,000 | $210,000 | $675,000 | $145,000 | $414,000 |
| 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 | 34 | $7,910,000 | $232,000 | $675,000 | $166,000 | $414,000 |
| Application Denied By Financial Institution | 12 | $1,990,000 | $165,000 | $355,000 | $95,000 | $252,000 |
| Application Withdrawn By Applicant | 5 | $705,000 | $141,000 | $235,000 | $83,000 | $104,000 |
| Application Approved But Not Accepted | 5 | $1,165,000 | $233,000 | $605,000 | $154,000 | $351,000 |
| 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 | 44 | $9,780,000 | $222,000 | $675,000 | $154,000 | $414,000 |
| Credit History | 11 | $1,945,000 | $176,000 | $355,000 | $95,000 | $252,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Mutual Bank, FSB's 2023 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 Mutual Bank, FSB'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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