First Savings Bank, FSB Mortgage Lending & HMDA Data, 2011
In 2011, First Savings Bank, FSB of Clarksville, IN reported 409 mortgage applications totaling $52.2 million. The average application was for $127,628, and applicants reported an average income of $70,723. 65% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (323), Indianapolis-Carmel, IN (2) and Atlanta-Sandy Springs-Marietta, GA (1) (applications in parentheses).
| Mortgage Company & Address | First Savings Bank, FSB 501 E. Lewis & Clark Parkway Clarksville, IN 47129 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 |
| Total Number of Mortgage Applications | 409 |
| Total Mortgage Loan Application Amount | $52,200,000 |
| Average Mortgage Loan Application Amount | $127,628 |
| Highest Mortgage Loan Application Amount | $2,285,000 |
| Average Applicant Income | $70,723 |
| Highest Applicant Income | $699,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark, Indiana | 114 | $ 12,078,000 | $ 105,947 | $ 77,000 |
| Washington, Indiana | 68 | $ 6,825,000 | $ 100,367 | $ 61,000 |
| Crawford, Indiana | 62 | $ 4,259,000 | $ 68,693 | $ 56,000 |
| Floyd, Indiana | 59 | $ 12,850,000 | $ 217,796 | $ 71,000 |
| Harrison, Indiana | 56 | $ 6,659,000 | $ 118,910 | $ 71,000 |
| Jefferson, Kentucky | 25 | $ 6,100,000 | $ 244,000 | $ 91,000 |
| Orange, Indiana | 10 | $ 1,190,000 | $ 119,000 | $ 68,000 |
| Scott, Indiana | 5 | $ 818,000 | $ 163,600 | $ 62,000 |
| Okaloosa, Florida | 1 | $ 184,000 | $ 184,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 236,000 | $ 236,000 | $ 117,000 |
| Dubois, Indiana | 1 | $ 95,000 | $ 95,000 | $ 216,000 |
| Hamilton, Indiana | 1 | $ 52,000 | $ 52,000 | $ 264,000 |
| Jefferson, Indiana | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Lawrence, Indiana | 1 | $ 80,000 | $ 80,000 | $ 72,000 |
| Marion, Indiana | 1 | $ 87,000 | $ 87,000 | $ 37,000 |
| Perry, Indiana | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Jessamine, Kentucky | 1 | $ 417,000 | $ 417,000 | $ 101,000 |
| Meade, Kentucky | 1 | $ 64,000 | $ 64,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for First Savings Bank, FSB in 2011
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 | 229 | $30,675,000 | $133,000 | $2,285,000 | $66,000 | $699,000 |
| Home Purchase | 168 | $20,386,000 | $121,000 | $1,600,000 | $75,000 | $558,000 |
| Home Improvement | 12 | $1,139,000 | $94,000 | $375,000 | $101,000 | $540,000 |
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 | 353 | $39,280,000 | $111,000 | $640,000 | $77,000 | $699,000 |
| Not applicable | 31 | $10,019,000 | $323,000 | $2,285,000 | $0 | $0 |
| Not Provided | 18 | $2,006,000 | $111,000 | $324,000 | $45,000 | $136,000 |
| Black or African American | 4 | $341,000 | $85,000 | $160,000 | $56,000 | $85,000 |
| Hispanic | 3 | $554,000 | $184,000 | $399,000 | $236,000 | $322,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 395 | $50,120,000 | $126,000 | $2,285,000 | $71,000 | $699,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,419,000 | $177,000 | $324,000 | $69,000 | $144,000 |
| FHA-insured (Federal Housing Administration) | 6 | $661,000 | $110,000 | $233,000 | $46,000 | $166,000 |
| 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 | 267 | $36,449,000 | $136,000 | $2,285,000 | $76,000 | $699,000 |
| Application Denied By Financial Institution | 80 | $8,936,000 | $111,000 | $440,000 | $51,000 | $200,000 |
| Application Withdrawn By Applicant | 54 | $5,926,000 | $109,000 | $605,000 | $70,000 | $368,000 |
| File Closed For Incompleteness | 4 | $485,000 | $121,000 | $270,000 | $120,000 | $300,000 |
| Application Approved But Not Accepted | 4 | $404,000 | $101,000 | $189,000 | $60,000 | $106,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 45 | $5,177,000 | $115,000 | $440,000 | $50,000 | $200,000 |
| Debt-To-Income Ratio | 14 | $1,724,000 | $123,000 | $417,000 | $50,000 | $116,000 |
| Collateral | 8 | $595,000 | $74,000 | $120,000 | $50,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $567,000 | $113,000 | $264,000 | $61,000 | $161,000 |
| Credit Application Incomplete | 3 | $537,000 | $179,000 | $292,000 | $86,000 | $132,000 |
| Employment History | 3 | $167,000 | $55,000 | $76,000 | $40,000 | $70,000 |
| Unverifiable Information | 2 | $169,000 | $84,000 | $144,000 | $7,000 | $15,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Savings Bank, FSB's 2011 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 Savings 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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