First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
First State Bank 2009 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 State Bank 221 Harrison St Union City, TN 38261 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,187 |
| Total Mortgage Loan Application Amount | $292,142,000 |
| Average Mortgage Loan Application Amount | $111,333 |
| Highest Mortgage Loan Application Amount | $860,000 |
| Average Applicant Income | $68,333 |
| Highest Applicant Income | $1,477,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with First State 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 State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down First State 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 State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First State 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 State Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Weakley County Tennessee | 278 | $ 25,439,000 | $ 91,000 | $ 54,000 |
| Madison County Tennessee | 196 | $ 28,769,000 | $ 146,000 | $ 87,000 |
| Davidson County Tennessee | 157 | $ 27,350,000 | $ 174,000 | $ 84,000 |
| Sumner County Tennessee | 157 | $ 27,078,000 | $ 172,000 | $ 75,000 |
| Gibson County Tennessee | 154 | $ 14,875,000 | $ 96,000 | $ 55,000 |
| Obion County Tennessee | 154 | $ 12,859,000 | $ 83,000 | $ 59,000 |
| Dyer County Tennessee | 127 | $ 14,809,000 | $ 116,000 | $ 53,000 |
| Tipton County Tennessee | 111 | $ 16,630,000 | $ 149,000 | $ 59,000 |
| Henderson County Tennessee | 104 | $ 10,012,000 | $ 96,000 | $ 45,000 |
| Shelby County Tennessee | 93 | $ 12,879,000 | $ 138,000 | $ 93,000 |
| Chester County Tennessee | 85 | $ 9,747,000 | $ 114,000 | $ 53,000 |
| Knox County Tennessee | 64 | $ 11,813,000 | $ 184,000 | $ 74,000 |
| Cheatham County Tennessee | 58 | $ 9,690,000 | $ 167,000 | $ 55,000 |
| Williamson County Tennessee | 56 | $ 15,223,000 | $ 271,000 | $ 101,000 |
| Robertson County Tennessee | 43 | $ 7,417,000 | $ 172,000 | $ 62,000 |
| Dickson County Tennessee | 39 | $ 5,494,000 | $ 140,000 | $ 43,000 |
| DeSoto County Mississippi | 33 | $ 4,704,000 | $ 142,000 | $ 57,000 |
| Haywood County Tennessee | 32 | $ 3,268,000 | $ 102,000 | $ 49,000 |
| Crockett County Tennessee | 22 | $ 2,246,000 | $ 102,000 | $ 66,000 |
| Rutherford County Tennessee | 22 | $ 3,482,000 | $ 158,000 | $ 58,000 |
| Wilson County Tennessee | 19 | $ 4,136,000 | $ 217,000 | $ 88,000 |
| Decatur County Tennessee | 15 | $ 1,663,000 | $ 110,000 | $ 73,000 |
| Hardin County Tennessee | 14 | $ 1,493,000 | $ 106,000 | $ 51,000 |
| Lauderdale County Tennessee | 12 | $ 1,173,000 | $ 97,000 | $ 67,000 |
| Carroll County Tennessee | 11 | $ 1,256,000 | $ 114,000 | $ 64,000 |
| Henry County Tennessee | 11 | $ 1,281,000 | $ 116,000 | $ 64,000 |
| Hickman County Tennessee | 11 | $ 1,234,000 | $ 112,000 | $ 39,000 |
| Fayette County Tennessee | 10 | $ 1,955,000 | $ 195,000 | $ 76,000 |
| Lake County Tennessee | 10 | $ 794,000 | $ 79,000 | $ 64,000 |
| McNairy County Tennessee | 9 | $ 910,000 | $ 101,000 | $ 39,000 |
| Hickman County Kentucky | 6 | $ 256,000 | $ 42,000 | $ 58,000 |
| Anderson County Tennessee | 5 | $ 501,000 | $ 100,000 | $ 54,000 |
| Hardeman County Tennessee | 5 | $ 593,000 | $ 118,000 | $ 75,000 |
| Humphreys County Tennessee | 5 | $ 463,000 | $ 92,000 | $ 36,000 |
| Fulton County Kentucky | 4 | $ 204,000 | $ 51,000 | $ 43,000 |
| Maury County Tennessee | 4 | $ 670,000 | $ 167,000 | $ 57,000 |
| Blount County Tennessee | 3 | $ 680,000 | $ 226,000 | $ 70,000 |
| Sevier County Tennessee | 3 | $ 913,000 | $ 304,000 | $ 111,000 |
| Cleburne County Arkansas | 2 | $ 679,000 | $ 339,000 | $ 316,000 |
| Mississippi County Arkansas | 2 | $ 417,000 | $ 208,000 | $ 141,000 |
| Graves County Kentucky | 2 | $ 71,000 | $ 35,000 | $ 36,000 |
| Warren County Kentucky | 2 | $ 260,000 | $ 130,000 | $ 50,000 |
| Marshall County Mississippi | 2 | $ 282,000 | $ 141,000 | $ 87,000 |
| Tishomingo County Mississippi | 2 | $ 350,000 | $ 175,000 | $ 189,000 |
| Pemiscot County Missouri | 2 | $ 247,000 | $ 123,000 | $ 34,000 |
| Campbell County Tennessee | 2 | $ 147,000 | $ 73,000 | $ 42,000 |
| Macon County Tennessee | 2 | $ 288,000 | $ 144,000 | $ 110,000 |
| Montgomery County Tennessee | 2 | $ 577,000 | $ 288,000 | $ 99,000 |
| Perry County Tennessee | 2 | $ 99,000 | $ 49,000 | $ 96,000 |
| Flagler County Florida | 1 | $ 270,000 | $ 270,000 | $ 338,000 |
| Marion County Florida | 1 | $ 28,000 | $ 28,000 | $ 142,000 |
| Walton County Florida | 1 | $ 417,000 | $ 417,000 | $ 1,477,000 |
| Cobb County Georgia | 1 | $ 216,000 | $ 216,000 | $ 110,000 |
| Kankakee County Illinois | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Calloway County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 164,000 |
| Marshall County Kentucky | 1 | $ 240,000 | $ 240,000 | $ 317,000 |
| Trigg County Kentucky | 1 | $ 243,000 | $ 243,000 | $ 34,000 |
| Alcorn County Mississippi | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 138,000 | $ 138,000 | $ 62,000 |
| St. Charles County Missouri | 1 | $ 192,000 | $ 192,000 | $ 56,000 |
| Bergen County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 554,000 |
| Coffee County Tennessee | 1 | $ 178,000 | $ 178,000 | $ 49,000 |
| Cumberland County Tennessee | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| DeKalb County Tennessee | 1 | $ 363,000 | $ 363,000 | $ 905,000 |
| Grainger County Tennessee | 1 | $ 97,000 | $ 97,000 | $ 35,000 |
| Jefferson County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 63,000 |
| Lewis County Tennessee | 1 | $ 141,000 | $ 141,000 | $ 55,000 |
| Marshall County Tennessee | 1 | $ 238,000 | $ 238,000 | $ 101,000 |
| Putnam County Tennessee | 1 | $ 407,000 | $ 407,000 | $ 225,000 |
| Smith County Tennessee | 1 | $ 234,000 | $ 234,000 | $ 108,000 |
| Union County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 35,000 |
| Nueces County Texas | 1 | $ 138,000 | $ 138,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for First State Bank in 2009
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 | 1,087 | $163,694,000 | $150,000 | $860,000 | $74,000 | $1,477,000 |
| Home Purchase | 1,030 | $123,959,000 | $120,000 | $774,000 | $60,000 | $905,000 |
| Home Improvement | 70 | $4,489,000 | $64,000 | $439,000 | $71,000 | $357,000 |
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 | 1,939 | $262,789,000 | $135,000 | $860,000 | $70,000 | $1,477,000 |
| Black or African American | 114 | $12,409,000 | $108,000 | $344,000 | $56,000 | $279,000 |
| Not Provided | 67 | $8,020,000 | $119,000 | $690,000 | $42,000 | $462,000 |
| Not applicable | 27 | $3,761,000 | $139,000 | $832,000 | $0 | $0 |
| Asian | 18 | $2,783,000 | $154,000 | $417,000 | $72,000 | $215,000 |
| Hispanic | 17 | $1,615,000 | $95,000 | $270,000 | $58,000 | $338,000 |
| American Indian or Alaskan Native | 3 | $363,000 | $121,000 | $200,000 | $116,000 | $248,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $402,000 | $201,000 | $276,000 | $37,000 | $75,000 |
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) | 1,211 | $168,004,000 | $138,000 | $860,000 | $84,000 | $1,477,000 |
| FHA-insured (Federal Housing Administration) | 582 | $80,409,000 | $138,000 | $398,000 | $51,000 | $489,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 315 | $31,886,000 | $101,000 | $224,000 | $37,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 79 | $11,843,000 | $149,000 | $317,000 | $50,000 | $127,000 |
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 | 1,775 | $240,207,000 | $135,000 | $860,000 | $70,000 | $1,477,000 |
| Application Denied By Financial Institution | 264 | $30,989,000 | $117,000 | $690,000 | $45,000 | $226,000 |
| Application Withdrawn By Applicant | 144 | $20,272,000 | $140,000 | $774,000 | $70,000 | $900,000 |
| File Closed For Incompleteness | 2 | $395,000 | $197,000 | $300,000 | $43,000 | $63,000 |
| Application Approved But Not Accepted | 2 | $279,000 | $139,000 | $161,000 | $39,000 | $47,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank's 2009 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.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.