First State Bank Mortgage Lending & HMDA Data, 2025
In 2025, First State Bank of St Clair Shores, MI reported 1,184 mortgage applications totaling $322.1 million, down 11% from 2024. The average application was for $272,052, and applicants reported an average income of $158,036. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (800), Flint, MI (158) and Detroit-Dearborn-Livonia, MI (81) (applications in parentheses).
| Mortgage Company & Address | First State Bank 24300 Little Mack St Clair Shores, MI 48080 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 1,184 |
| Total Mortgage Loan Application Amount | $322,110,000 |
| Average Mortgage Loan Application Amount | $272,052 |
| Highest Mortgage Loan Application Amount | $4,325,000 |
| Average Applicant Income | $158,036 |
| Highest Applicant Income | $8,396,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren-Troy-Farmington Hills, MI | 800 | $ 207,080,000 | $ 258,850 | $ 138,000 |
| Flint, MI | 158 | $ 44,210,000 | $ 279,810 | $ 227,000 |
| Detroit-Dearborn-Livonia, MI | 81 | $ 26,675,000 | $ 329,320 | $ 209,000 |
| Outside any metro area | 71 | $ 17,445,000 | $ 245,704 | $ 145,281 |
| Saginaw, MI | 12 | $ 2,770,000 | $ 230,833 | $ 135,000 |
| Ann Arbor, MI | 10 | $ 3,680,000 | $ 368,000 | $ 277,000 |
| Lansing-East Lansing, MI | 9 | $ 2,375,000 | $ 263,888 | $ 144,000 |
| Bay City, MI | 3 | $ 575,000 | $ 191,666 | $ 90,000 |
| Chicago-Naperville, IL | 3 | $ 1,315,000 | $ 438,333 | $ 163,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 595,000 | $ 198,333 | $ 81,000 |
| Marietta, GA | 3 | $ 1,175,000 | $ 391,666 | $ 136,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 640,000 | $ 320,000 | $ 134,000 |
| Jackson, MI | 2 | $ 570,000 | $ 285,000 | $ 129,000 |
| Midland, MI | 2 | $ 630,000 | $ 315,000 | $ 83,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 3,360,000 | $ 1,680,000 | $ 423,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,500,000 | $ 750,000 | $ 253,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 760,000 | $ 380,000 | $ 123,000 |
| Austin-Round Rock, TX | 1 | $ 525,000 | $ 525,000 | $ 200,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Battle Creek, MI | 1 | $ 355,000 | $ 355,000 | $ 195,000 |
| Camden, NJ | 1 | $ 405,000 | $ 405,000 | $ 145,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 385,000 | $ 385,000 | $ 84,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 255,000 | $ 255,000 | $ 241,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 375,000 | $ 375,000 | $ 95,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| Monroe, MI | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 195,000 | $ 195,000 | $ 149,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 285,000 | $ 285,000 | $ 206,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 465,000 | $ 465,000 | $ 400,000 |
| Punta Gorda, FL | 1 | $ 205,000 | $ 205,000 | $ 486,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 285,000 | $ 285,000 | $ 239,000 |
| Traverse City, MI | 1 | $ 495,000 | $ 495,000 | $ 300,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 395,000 | $ 395,000 | $ 70,000 |
| Visalia-Porterville, CA | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 805,000 | $ 805,000 | $ 781,000 |
| Wilmington, DE-MD-NJ | 1 | $ 405,000 | $ 405,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for First State Bank in 2025
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 | 904 | $257,920,000 | $285,000 | $4,325,000 | $150,000 | $8,396,000 |
| Other Purpose | 149 | $22,795,000 | $152,000 | $1,005,000 | $176,000 | $3,926,000 |
| Refinancing | 92 | $26,300,000 | $285,000 | $3,885,000 | $188,000 | $3,671,000 |
| Cash-out Refinancing | 39 | $15,095,000 | $387,000 | $3,205,000 | $205,000 | $1,565,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 927 | $236,845,000 | $255,000 | $3,205,000 | $153,000 | $3,926,000 |
| Not Provided | 151 | $47,895,000 | $317,000 | $3,005,000 | $217,000 | $8,396,000 |
| Black or African American | 50 | $8,540,000 | $170,000 | $425,000 | $82,000 | $426,000 |
| Hispanic | 21 | $5,795,000 | $275,000 | $585,000 | $123,000 | $429,000 |
| Asian | 12 | $3,410,000 | $284,000 | $625,000 | $211,000 | $556,000 |
| American Indian or Alaskan Native | 11 | $2,135,000 | $194,000 | $365,000 | $79,000 | $132,000 |
| Not applicable | 10 | $16,670,000 | $1,667,000 | $4,325,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $820,000 | $410,000 | $515,000 | $110,000 | $128,000 |
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) | 1,059 | $293,025,000 | $276,000 | $4,325,000 | $167,000 | $8,396,000 |
| FHA-insured (Federal Housing Administration) | 107 | $23,495,000 | $219,000 | $525,000 | $80,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 18 | $5,590,000 | $310,000 | $685,000 | $113,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,028 | $277,530,000 | $269,000 | $4,325,000 | $153,000 | $8,396,000 |
| Application Withdrawn By Applicant | 93 | $28,865,000 | $310,000 | $3,205,000 | $233,000 | $3,671,000 |
| Application Denied By Financial Institution | 50 | $11,970,000 | $239,000 | $1,365,000 | $124,000 | $933,000 |
| Application Approved But Not Accepted | 12 | $3,480,000 | $290,000 | $1,205,000 | $140,000 | $472,000 |
| File Closed For Incompleteness | 1 | $265,000 | $265,000 | $265,000 | $93,000 | $93,000 |
| 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 | 1,134 | $310,140,000 | $273,000 | $4,325,000 | $159,000 | $8,396,000 |
| Collateral | 18 | $2,780,000 | $154,000 | $375,000 | $111,000 | $278,000 |
| Debt-To-Income Ratio | 13 | $5,005,000 | $385,000 | $1,365,000 | $91,000 | $270,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,605,000 | $229,000 | $355,000 | $117,000 | $245,000 |
| Other | 4 | $730,000 | $182,000 | $315,000 | $104,000 | $152,000 |
| Credit Application Incomplete | 3 | $985,000 | $328,000 | $615,000 | $482,000 | $933,000 |
| Credit History | 2 | $300,000 | $150,000 | $245,000 | $59,000 | $105,000 |
| Unverifiable Information | 2 | $410,000 | $205,000 | $235,000 | $65,000 | $68,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $68,000 | $68,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank's 2025 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 State 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.
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