The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
The First State Bank 2003 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 | The First State Bank Po Box 295 Barboursville, WV 25504 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,103 |
| Total Mortgage Loan Application Amount | $360,052,000 |
| Average Mortgage Loan Application Amount | $142,540 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $95,837 |
| Highest Applicant Income | $1,512,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with The 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 The First State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down The 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 The First State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The 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 The First State Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cabell County West Virginia | 255 | $ 23,753,000 | $ 93,000 | $ 60,000 |
| Kent County Michigan | 135 | $ 21,092,000 | $ 156,000 | $ 80,000 |
| Dubois County Indiana | 96 | $ 10,532,000 | $ 109,000 | $ 61,000 |
| Auglaize County Ohio | 89 | $ 9,030,000 | $ 101,000 | $ 86,000 |
| Montgomery County Kentucky | 88 | $ 11,074,000 | $ 125,000 | $ 100,000 |
| Erie County Ohio | 78 | $ 9,224,000 | $ 118,000 | $ 64,000 |
| Shelby County Ohio | 72 | $ 8,159,000 | $ 113,000 | $ 61,000 |
| Putnam County Ohio | 71 | $ 7,210,000 | $ 101,000 | $ 65,000 |
| Muskingum County Ohio | 70 | $ 6,700,000 | $ 95,000 | $ 58,000 |
| Spencer County Indiana | 67 | $ 7,205,000 | $ 107,000 | $ 68,000 |
| Lawrence County Ohio | 60 | $ 5,763,000 | $ 96,000 | $ 57,000 |
| Graves County Kentucky | 48 | $ 3,447,000 | $ 71,000 | $ 42,000 |
| Stark County Ohio | 48 | $ 4,681,000 | $ 97,000 | $ 41,000 |
| Huron County Ohio | 47 | $ 4,605,000 | $ 97,000 | $ 97,000 |
| Fayette County Kentucky | 46 | $ 6,180,000 | $ 134,000 | $ 108,000 |
| Putnam County West Virginia | 46 | $ 5,436,000 | $ 118,000 | $ 80,000 |
| Jessamine County Kentucky | 42 | $ 4,876,000 | $ 116,000 | $ 77,000 |
| Kanawha County West Virginia | 41 | $ 3,899,000 | $ 95,000 | $ 65,000 |
| Barren County Kentucky | 37 | $ 3,771,000 | $ 101,000 | $ 98,000 |
| Coshocton County Ohio | 37 | $ 3,486,000 | $ 94,000 | $ 46,000 |
| Knox County Kentucky | 35 | $ 3,644,000 | $ 104,000 | $ 55,000 |
| Perry County Ohio | 34 | $ 3,013,000 | $ 88,000 | $ 48,000 |
| Kent County Maryland | 33 | $ 4,820,000 | $ 146,000 | $ 77,000 |
| Crawford County Ohio | 33 | $ 3,214,000 | $ 97,000 | $ 66,000 |
| Medina County Ohio | 32 | $ 3,897,000 | $ 121,000 | $ 84,000 |
| Defiance County Ohio | 30 | $ 2,627,000 | $ 87,000 | $ 40,000 |
| Union County Ohio | 30 | $ 3,605,000 | $ 120,000 | $ 61,000 |
| Hart County Kentucky | 28 | $ 1,872,000 | $ 66,000 | $ 51,000 |
| Lancaster County Pennsylvania | 28 | $ 3,251,000 | $ 116,000 | $ 73,000 |
| Boyd County Kentucky | 27 | $ 2,378,000 | $ 88,000 | $ 58,000 |
| Greenup County Kentucky | 24 | $ 2,441,000 | $ 101,000 | $ 81,000 |
| Carroll County Ohio | 24 | $ 3,074,000 | $ 128,000 | $ 34,000 |
| Noble County Ohio | 21 | $ 1,890,000 | $ 90,000 | $ 47,000 |
| Franklin County Pennsylvania | 21 | $ 2,346,000 | $ 111,000 | $ 51,000 |
| Wayne County West Virginia | 21 | $ 1,842,000 | $ 87,000 | $ 79,000 |
| Allen County Kentucky | 20 | $ 1,242,000 | $ 62,000 | $ 49,000 |
| Ottawa County Michigan | 20 | $ 2,599,000 | $ 129,000 | $ 69,000 |
| Clark County Kentucky | 18 | $ 2,163,000 | $ 120,000 | $ 79,000 |
| Bradford County Pennsylvania | 17 | $ 1,826,000 | $ 107,000 | $ 64,000 |
| Luzerne County Pennsylvania | 17 | $ 1,403,000 | $ 82,000 | $ 50,000 |
| Ohio County Kentucky | 16 | $ 951,000 | $ 59,000 | $ 47,000 |
| Licking County Ohio | 16 | $ 2,109,000 | $ 131,000 | $ 55,000 |
| Cumberland County Pennsylvania | 16 | $ 2,225,000 | $ 139,000 | $ 61,000 |
| Washington County Ohio | 15 | $ 1,559,000 | $ 103,000 | $ 86,000 |
| Lycoming County Pennsylvania | 14 | $ 1,718,000 | $ 122,000 | $ 57,000 |
| Columbiana County Ohio | 13 | $ 1,136,000 | $ 87,000 | $ 55,000 |
| McCracken County Kentucky | 11 | $ 1,014,000 | $ 92,000 | $ 60,000 |
| Frederick County Maryland | 11 | $ 1,420,000 | $ 129,000 | $ 58,000 |
| Knox County Ohio | 11 | $ 1,188,000 | $ 108,000 | $ 66,000 |
| Queen Anne's County Maryland | 9 | $ 1,156,000 | $ 128,000 | $ 56,000 |
| Morgan County Ohio | 9 | $ 881,000 | $ 97,000 | $ 70,000 |
| Tioga County Pennsylvania | 9 | $ 1,164,000 | $ 129,000 | $ 53,000 |
| Bourbon County Kentucky | 7 | $ 768,000 | $ 109,000 | $ 92,000 |
| Madison County Kentucky | 7 | $ 607,000 | $ 86,000 | $ 52,000 |
| Guernsey County Ohio | 7 | $ 669,000 | $ 95,000 | $ 148,000 |
| Ottawa County Ohio | 7 | $ 616,000 | $ 88,000 | $ 83,000 |
| Richland County Ohio | 7 | $ 491,000 | $ 70,000 | $ 51,000 |
| Warrick County Indiana | 6 | $ 514,000 | $ 85,000 | $ 65,000 |
| Hardin County Ohio | 6 | $ 500,000 | $ 83,000 | $ 67,000 |
| Seneca County Ohio | 6 | $ 642,000 | $ 107,000 | $ 58,000 |
| Mason County West Virginia | 6 | $ 558,000 | $ 93,000 | $ 70,000 |
| Pike County Indiana | 5 | $ 531,000 | $ 106,000 | $ 68,000 |
| Bath County Kentucky | 5 | $ 383,000 | $ 76,000 | $ 64,000 |
| Elliott County Kentucky | 5 | $ 562,000 | $ 112,000 | $ 67,000 |
| Newaygo County Michigan | 5 | $ 730,000 | $ 146,000 | $ 65,000 |
| Allen County Ohio | 5 | $ 603,000 | $ 120,000 | $ 45,000 |
| Cuyahoga County Ohio | 5 | $ 682,000 | $ 136,000 | $ 169,000 |
| Fairfield County Ohio | 5 | $ 521,000 | $ 104,000 | $ 59,000 |
| Franklin County Ohio | 5 | $ 665,000 | $ 133,000 | $ 172,000 |
| Geauga County Ohio | 5 | $ 490,000 | $ 98,000 | $ 49,000 |
| Summit County Ohio | 5 | $ 575,000 | $ 115,000 | $ 47,000 |
| Vanderburgh County Indiana | 4 | $ 449,000 | $ 112,000 | $ 58,000 |
| Carter County Kentucky | 4 | $ 262,000 | $ 65,000 | $ 39,000 |
| Pendleton County Kentucky | 4 | $ 291,000 | $ 72,000 | $ 59,000 |
| Warren County Kentucky | 4 | $ 245,000 | $ 61,000 | $ 55,000 |
| Barry County Michigan | 4 | $ 544,000 | $ 136,000 | $ 115,000 |
| Darke County Ohio | 4 | $ 259,000 | $ 64,000 | $ 42,000 |
| Henry County Ohio | 4 | $ 364,000 | $ 91,000 | $ 64,000 |
| Logan County Ohio | 4 | $ 540,000 | $ 135,000 | $ 111,000 |
| Marion County Ohio | 4 | $ 512,000 | $ 128,000 | $ 76,000 |
| Volusia County Florida | 3 | $ 562,000 | $ 187,000 | $ 140,000 |
| Calloway County Kentucky | 3 | $ 135,000 | $ 45,000 | $ 40,000 |
| Garrard County Kentucky | 3 | $ 255,000 | $ 85,000 | $ 31,000 |
| Jefferson County Kentucky | 3 | $ 285,000 | $ 95,000 | $ 59,000 |
| Menifee County Kentucky | 3 | $ 408,000 | $ 136,000 | $ 56,000 |
| Monroe County Kentucky | 3 | $ 295,000 | $ 98,000 | $ 58,000 |
| Ashtabula County Ohio | 3 | $ 229,000 | $ 76,000 | $ 70,000 |
| Gallia County Ohio | 3 | $ 274,000 | $ 91,000 | $ 66,000 |
| Madison County Ohio | 3 | $ 266,000 | $ 88,000 | $ 66,000 |
| Paulding County Ohio | 3 | $ 249,000 | $ 83,000 | $ 65,000 |
| Scioto County Ohio | 3 | $ 292,000 | $ 97,000 | $ 123,000 |
| Tuscarawas County Ohio | 3 | $ 277,000 | $ 92,000 | $ 45,000 |
| Wyandot County Ohio | 3 | $ 293,000 | $ 97,000 | $ 63,000 |
| Fayette County West Virginia | 3 | $ 329,000 | $ 109,000 | $ 73,000 |
| Seminole County Florida | 2 | $ 383,000 | $ 191,000 | $ 100,000 |
| Perry County Indiana | 2 | $ 124,000 | $ 62,000 | $ 31,000 |
| Grant County Kentucky | 2 | $ 253,000 | $ 126,000 | $ 95,000 |
| Hardin County Kentucky | 2 | $ 303,000 | $ 151,000 | $ 123,000 |
| Hickman County Kentucky | 2 | $ 108,000 | $ 54,000 | $ 49,000 |
| Whitley County Kentucky | 2 | $ 288,000 | $ 144,000 | $ 111,000 |
| Washington County Maryland | 2 | $ 279,000 | $ 139,000 | $ 39,000 |
| Kalamazoo County Michigan | 2 | $ 229,000 | $ 114,000 | $ 65,000 |
| Hancock County Ohio | 2 | $ 225,000 | $ 112,000 | $ 45,000 |
| Highland County Ohio | 2 | $ 209,000 | $ 104,000 | $ 65,000 |
| Hocking County Ohio | 2 | $ 331,000 | $ 165,000 | $ 85,000 |
| Mahoning County Ohio | 2 | $ 190,000 | $ 95,000 | $ 59,000 |
| Miami County Ohio | 2 | $ 241,000 | $ 120,000 | $ 62,000 |
| Morrow County Ohio | 2 | $ 269,000 | $ 134,000 | $ 156,000 |
| Sandusky County Ohio | 2 | $ 156,000 | $ 78,000 | $ 59,000 |
| Trumbull County Ohio | 2 | $ 163,000 | $ 81,000 | $ 51,000 |
| Northumberland County Pennsylvania | 2 | $ 186,000 | $ 93,000 | $ 48,000 |
| Fairfax County Virginia | 2 | $ 581,000 | $ 290,000 | $ 145,000 |
| Lincoln County West Virginia | 2 | $ 327,000 | $ 163,000 | $ 41,000 |
| Wetzel County West Virginia | 2 | $ 260,000 | $ 130,000 | $ 39,000 |
| Mohave County Arizona | 1 | $ 146,000 | $ 146,000 | $ 190,000 |
| Kent County Delaware | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| Broward County Florida | 1 | $ 130,000 | $ 130,000 | $ 487,000 |
| Monroe County Florida | 1 | $ 244,000 | $ 244,000 | $ 132,000 |
| Palm Beach County Florida | 1 | $ 157,000 | $ 157,000 | $ 89,000 |
| St. Lucie County Florida | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Adams County Indiana | 1 | $ 80,000 | $ 80,000 | $ 57,000 |
| Johnson County Indiana | 1 | $ 123,000 | $ 123,000 | $ 38,000 |
| Martin County Indiana | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Ballard County Kentucky | 1 | $ 116,000 | $ 116,000 | $ 85,000 |
| Bracken County Kentucky | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Butler County Kentucky | 1 | $ 154,000 | $ 154,000 | $ 101,000 |
| Campbell County Kentucky | 1 | $ 300,000 | $ 300,000 | $ 81,000 |
| Estill County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 72,000 |
| Floyd County Kentucky | 1 | $ 190,000 | $ 190,000 | $ 133,000 |
| Franklin County Kentucky | 1 | $ 83,000 | $ 83,000 | $ 36,000 |
| Jackson County Kentucky | 1 | $ 131,000 | $ 131,000 | $ 124,000 |
| Kenton County Kentucky | 1 | $ 101,000 | $ 101,000 | $ 32,000 |
| Laurel County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 64,000 |
| Lawrence County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 60,000 |
| Mercer County Kentucky | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Nelson County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Powell County Kentucky | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Rockcastle County Kentucky | 1 | $ 118,000 | $ 118,000 | $ 85,000 |
| Rowan County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Russell County Kentucky | 1 | $ 187,000 | $ 187,000 | $ 133,000 |
| Washington County Kentucky | 1 | $ 116,000 | $ 116,000 | $ 83,000 |
| Anne Arundel County Maryland | 1 | $ 237,000 | $ 237,000 | $ 126,000 |
| Carroll County Maryland | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Cecil County Maryland | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Talbot County Maryland | 1 | $ 144,000 | $ 144,000 | $ 42,000 |
| Worcester County Maryland | 1 | $ 91,000 | $ 91,000 | $ 167,000 |
| Allegan County Michigan | 1 | $ 110,000 | $ 110,000 | $ 36,000 |
| Cheboygan County Michigan | 1 | $ 211,000 | $ 211,000 | $ 280,000 |
| Clare County Michigan | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Grand Traverse County Michigan | 1 | $ 93,000 | $ 93,000 | $ 100,000 |
| Ingham County Michigan | 1 | $ 203,000 | $ 203,000 | $ 317,000 |
| Menominee County Michigan | 1 | $ 61,000 | $ 61,000 | $ 67,000 |
| Oceana County Michigan | 1 | $ 173,000 | $ 173,000 | $ 981,000 |
| Hennepin County Minnesota | 1 | $ 74,000 | $ 74,000 | $ 83,000 |
| Atlantic County New Jersey | 1 | $ 132,000 | $ 132,000 | $ 309,000 |
| Tioga County New York | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Tompkins County New York | 1 | $ 375,000 | $ 375,000 | $ 246,000 |
| Brunswick County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 120,000 |
| Lincoln County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Athens County Ohio | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Belmont County Ohio | 1 | $ 53,000 | $ 53,000 | $ 68,000 |
| Greene County Ohio | 1 | $ 128,000 | $ 128,000 | $ 44,000 |
| Hamilton County Ohio | 1 | $ 98,000 | $ 98,000 | $ 60,000 |
| Meigs County Ohio | 1 | $ 99,000 | $ 99,000 | $ 52,000 |
| Mercer County Ohio | 1 | $ 82,000 | $ 82,000 | $ 76,000 |
| Monroe County Ohio | 1 | $ 60,000 | $ 60,000 | $ 44,000 |
| Pickaway County Ohio | 1 | $ 99,000 | $ 99,000 | $ 56,000 |
| Pike County Ohio | 1 | $ 88,000 | $ 88,000 | $ 40,000 |
| Portage County Ohio | 1 | $ 306,000 | $ 306,000 | $ 244,000 |
| Ross County Ohio | 1 | $ 295,000 | $ 295,000 | $ 100,000 |
| Allegheny County Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 124,000 |
| Bucks County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 313,000 |
| Lackawanna County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Lebanon County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 22,000 |
| Potter County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Sullivan County Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 58,000 |
| Union County Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Wyoming County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| York County Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 96,000 |
| Beaufort County South Carolina | 1 | $ 280,000 | $ 280,000 | $ 125,000 |
| Newberry County South Carolina | 1 | $ 101,000 | $ 101,000 | $ 62,000 |
| Chesterfield County Virginia | 1 | $ 188,000 | $ 188,000 | $ 57,000 |
| Hancock County West Virginia | 1 | $ 236,000 | $ 236,000 | $ 50,000 |
| Harrison County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Jackson County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Mercer County West Virginia | 1 | $ 143,000 | $ 143,000 | $ 54,000 |
| Raleigh County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 188,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 2,596 | $304,402,000 | $156,333 | $650,000 | $118,944 | $1,512,000 |
| Home Purchase (one-to-four family) | 498 | $54,976,000 | $139,923 | $432,000 | $80,615 | $482,000 |
| Home Improvement (one-to-four family) | 8 | $482,000 | $89,800 | $154,000 | $71,400 | $123,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $192,000 | $192,000 | $192,000 | $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 | 2,987 | $345,980,000 | $155,062 | $650,000 | $116,375 | $1,512,000 |
| Information not provided by applicant in mail or telephone application | 74 | $8,566,000 | $130,111 | $432,000 | $87,333 | $274,000 |
| Not applicable | 11 | $1,453,000 | $101,000 | $500,000 | $76,000 | $261,000 |
| Asian or Pacific Islander | 9 | $1,015,000 | $120,400 | $198,000 | $114,000 | $230,000 |
| Hispanic | 9 | $927,000 | $123,000 | $306,000 | $91,800 | $244,000 |
| Black | 6 | $992,000 | $167,200 | $323,000 | $98,000 | $204,000 |
| Other | 5 | $1,004,000 | $228,500 | $600,000 | $71,250 | $104,000 |
| American Indian or Alaskan Native | 2 | $115,000 | $57,500 | $62,000 | $33,000 | $46,000 |
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) | 3,099 | $359,685,000 | $153,736 | $650,000 | $117,315 | $1,512,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $283,000 | $95,500 | $123,000 | $24,000 | $31,000 |
| FHA-insured (Federal Housing Administration) | 1 | $84,000 | $84,000 | $84,000 | $123,000 | $123,000 |
| 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 | 2,726 | $314,998,000 | $148,722 | $500,000 | $119,388 | $1,512,000 |
| Application Denied By Financial Institution | 182 | $21,684,000 | $157,600 | $650,000 | $78,400 | $286,000 |
| Application Withdrawn By Applicant | 121 | $14,830,000 | $138,750 | $432,000 | $67,000 | $574,000 |
| Application Approved But Not Accepted | 67 | $7,899,000 | $117,500 | $309,000 | $86,666 | $389,000 |
| File Closed For Incompleteness | 7 | $641,000 | $70,000 | $279,000 | $55,250 | $85,000 |
| Loan Purchased By The 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 | 71 | $6,731,000 | $107,428 | $323,000 | $63,857 | $236,000 |
| Debt-To-Income Ratio | 47 | $6,536,000 | $151,000 | $600,000 | $42,555 | $99,000 |
| Collateral | 32 | $4,531,000 | $165,571 | $650,000 | $99,000 | $246,000 |
| Other | 6 | $509,000 | $72,666 | $148,000 | $43,666 | $77,000 |
| Employment History | 3 | $353,000 | $117,666 | $170,000 | $64,666 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $244,000 | $81,500 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2003 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 The 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 West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.