Firstbank - St Johns Mortgage Lending & HMDA Data, 2010
In 2010, Firstbank - St Johns of St Johns, MI reported 22 mortgage applications totaling $526,000, down 49% from 2009. The average application was for $23,909, and applicants reported an average income of $94,909. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Lansing-East Lansing, MI (17) and Saginaw-Saginaw Township North, MI (1).
| Mortgage Company & Address | Firstbank - St Johns 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 |
| Total Number of Mortgage Applications | 22 |
| Total Mortgage Loan Application Amount | $526,000 |
| Average Mortgage Loan Application Amount | $23,909 |
| Highest Mortgage Loan Application Amount | $50,000 |
| Average Applicant Income | $94,909 |
| Highest Applicant Income | $237,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firstbank - St Johns filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 14 | $ 317,000 | $ 22,642 | $ 113,000 |
| Ingham, Michigan | 2 | $ 80,000 | $ 40,000 | $ 70,000 |
| Isabella, Michigan | 2 | $ 25,000 | $ 12,500 | $ 81,000 |
| Benzie, Michigan | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Eaton, Michigan | 1 | $ 11,000 | $ 11,000 | $ 73,000 |
| Gratiot, Michigan | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Saginaw, Michigan | 1 | $ 10,000 | $ 10,000 | $ 0 |
Mortgage Loan Application Detail Totals for Firstbank - St Johns in 2010
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 | 13 | $338,000 | $26,000 | $50,000 | $99,000 | $237,000 |
| Home Improvement | 5 | $85,000 | $17,000 | $25,000 | $89,000 | $173,000 |
| Home Purchase | 4 | $103,000 | $25,000 | $35,000 | $89,000 | $164,000 |
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 | 21 | $516,000 | $24,000 | $50,000 | $98,000 | $237,000 |
| Asian | 1 | $10,000 | $10,000 | $10,000 | $32,000 | $32,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 22 | $526,000 | $23,000 | $50,000 | $95,000 | $237,000 |
| 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 | 18 | $407,000 | $22,000 | $48,000 | $103,000 | $237,000 |
| Application Approved But Not Accepted | 3 | $69,000 | $23,000 | $32,000 | $59,000 | $85,000 |
| Application Denied By Financial Institution | 1 | $50,000 | $50,000 | $50,000 | $54,000 | $54,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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's 2010 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'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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