Firstbank - St Johns Mtg Co Mortgage Lending & HMDA Data, 2011
In 2011, Firstbank - St Johns Mtg Co of St Johns, MI reported 99 mortgage applications totaling $11.2 million, down 50% from 2010. The average application was for $113,545, and applicants reported an average income of $75,969. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Lansing-East Lansing, MI (73), Grand Rapids-Wyoming, MI (5) and Holland-Grand Haven, MI (1) (applications in parentheses).
| Mortgage Company & Address | Firstbank - St Johns Mtg Co 201 N Clinton Ave St Johns, MI 48879 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 99 |
| Total Mortgage Loan Application Amount | $11,241,000 |
| Average Mortgage Loan Application Amount | $113,545 |
| Highest Mortgage Loan Application Amount | $320,000 |
| Average Applicant Income | $75,969 |
| Highest Applicant Income | $289,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firstbank - St Johns Mtg Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Clinton, Michigan | 59 | $ 6,831,000 | $ 115,779 | $ 72,000 |
| Ingham, Michigan | 9 | $ 1,498,000 | $ 166,444 | $ 118,000 |
| Eaton, Michigan | 5 | $ 378,000 | $ 75,600 | $ 56,000 |
| Gratiot, Michigan | 5 | $ 498,000 | $ 99,600 | $ 36,000 |
| Ionia, Michigan | 5 | $ 558,000 | $ 111,600 | $ 60,000 |
| Shiawassee, Michigan | 3 | $ 247,000 | $ 82,333 | $ 58,000 |
| Antrim, Michigan | 2 | $ 223,000 | $ 111,500 | $ 101,000 |
| Crawford, Michigan | 2 | $ 90,000 | $ 45,000 | $ 133,000 |
| Isabella, Michigan | 2 | $ 308,000 | $ 154,000 | $ 89,000 |
| Gladwin, Michigan | 1 | $ 32,000 | $ 32,000 | $ 29,000 |
| Livingston, Michigan | 1 | $ 49,000 | $ 49,000 | $ 35,000 |
| Mecosta, Michigan | 1 | $ 106,000 | $ 106,000 | $ 106,000 |
| Midland, Michigan | 1 | $ 47,000 | $ 47,000 | $ 39,000 |
| Montcalm, Michigan | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| Ottawa, Michigan | 1 | $ 179,000 | $ 179,000 | $ 249,000 |
| Saginaw, Michigan | 1 | $ 122,000 | $ 122,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Firstbank - St Johns Mtg Co 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 | 60 | $7,016,000 | $116,000 | $320,000 | $74,000 | $289,000 |
| Home Purchase | 39 | $4,225,000 | $108,000 | $304,000 | $79,000 | $249,000 |
| Home Improvement | 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 | 96 | $10,914,000 | $113,000 | $320,000 | $76,000 | $289,000 |
| Not Provided | 2 | $240,000 | $120,000 | $161,000 | $41,000 | $83,000 |
| Hispanic | 1 | $87,000 | $87,000 | $87,000 | $68,000 | $68,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 88 | $10,068,000 | $114,000 | $320,000 | $80,000 | $289,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,123,000 | $112,000 | $161,000 | $42,000 | $52,000 |
| FHA-insured (Federal Housing Administration) | 1 | $50,000 | $50,000 | $50,000 | $10,000 | $10,000 |
| 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 | 73 | $8,053,000 | $110,000 | $320,000 | $81,000 | $289,000 |
| Application Approved But Not Accepted | 13 | $1,547,000 | $119,000 | $209,000 | $58,000 | $120,000 |
| Application Denied By Financial Institution | 11 | $1,431,000 | $130,000 | $240,000 | $71,000 | $159,000 |
| Application Withdrawn By Applicant | 1 | $161,000 | $161,000 | $161,000 | $0 | $0 |
| Loan Purchased By The Institution | 1 | $49,000 | $49,000 | $49,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 Firstbank - St Johns Mtg Co'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 Firstbank - St Johns Mtg Co'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 Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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