The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
The First State Bank 2004 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 | 887 |
| Total Mortgage Loan Application Amount | $96,129,000 |
| Average Mortgage Loan Application Amount | $138,357 |
| Highest Mortgage Loan Application Amount | $541,000 |
| Average Applicant Income | $77,892 |
| Highest Applicant Income | $829,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 108 | $ 9,070,000 | $ 83,000 | $ 49,000 |
| Montgomery County Kentucky | 38 | $ 4,997,000 | $ 131,000 | $ 52,000 |
| Putnam County Ohio | 38 | $ 3,975,000 | $ 104,000 | $ 62,000 |
| Putnam County West Virginia | 30 | $ 4,043,000 | $ 134,000 | $ 57,000 |
| Dubois County Indiana | 28 | $ 2,721,000 | $ 97,000 | $ 50,000 |
| Auglaize County Ohio | 27 | $ 3,454,000 | $ 127,000 | $ 62,000 |
| Defiance County Ohio | 22 | $ 2,535,000 | $ 115,000 | $ 43,000 |
| Kent County Maryland | 21 | $ 3,409,000 | $ 162,000 | $ 86,000 |
| Erie County Ohio | 21 | $ 2,193,000 | $ 104,000 | $ 65,000 |
| Spencer County Indiana | 20 | $ 1,649,000 | $ 82,000 | $ 46,000 |
| Muskingum County Ohio | 20 | $ 2,054,000 | $ 102,000 | $ 56,000 |
| Shelby County Ohio | 20 | $ 2,290,000 | $ 114,000 | $ 77,000 |
| Kent County Michigan | 19 | $ 2,923,000 | $ 153,000 | $ 127,000 |
| Lawrence County Ohio | 18 | $ 1,381,000 | $ 76,000 | $ 39,000 |
| Lancaster County Pennsylvania | 18 | $ 2,023,000 | $ 112,000 | $ 48,000 |
| Kanawha County West Virginia | 18 | $ 1,937,000 | $ 107,000 | $ 76,000 |
| Knox County Kentucky | 16 | $ 1,748,000 | $ 109,000 | $ 88,000 |
| Bradford County Pennsylvania | 15 | $ 1,756,000 | $ 117,000 | $ 67,000 |
| Franklin County Pennsylvania | 15 | $ 1,586,000 | $ 105,000 | $ 58,000 |
| Fayette County Kentucky | 13 | $ 2,272,000 | $ 174,000 | $ 74,000 |
| Pulaski County Kentucky | 12 | $ 1,243,000 | $ 103,000 | $ 74,000 |
| Morgan County Ohio | 12 | $ 1,185,000 | $ 98,000 | $ 46,000 |
| Graves County Kentucky | 11 | $ 888,000 | $ 80,000 | $ 50,000 |
| Coshocton County Ohio | 11 | $ 1,131,000 | $ 102,000 | $ 57,000 |
| Wayne County West Virginia | 11 | $ 1,069,000 | $ 97,000 | $ 60,000 |
| Boyd County Kentucky | 10 | $ 670,000 | $ 67,000 | $ 57,000 |
| Jessamine County Kentucky | 10 | $ 1,019,000 | $ 101,000 | $ 74,000 |
| McCracken County Kentucky | 10 | $ 946,000 | $ 94,000 | $ 52,000 |
| Perry County Ohio | 10 | $ 761,000 | $ 76,000 | $ 45,000 |
| Stark County Ohio | 10 | $ 1,062,000 | $ 106,000 | $ 56,000 |
| Lycoming County Pennsylvania | 10 | $ 989,000 | $ 98,000 | $ 65,000 |
| Tioga County Pennsylvania | 9 | $ 741,000 | $ 82,000 | $ 47,000 |
| Barren County Kentucky | 8 | $ 632,000 | $ 79,000 | $ 34,000 |
| Frederick County Maryland | 8 | $ 1,039,000 | $ 129,000 | $ 55,000 |
| Luzerne County Pennsylvania | 7 | $ 807,000 | $ 115,000 | $ 62,000 |
| Allen County Kentucky | 6 | $ 415,000 | $ 69,000 | $ 39,000 |
| Huron County Ohio | 6 | $ 657,000 | $ 109,000 | $ 58,000 |
| Ohio County Kentucky | 5 | $ 328,000 | $ 65,000 | $ 40,000 |
| Queen Anne's County Maryland | 5 | $ 777,000 | $ 155,000 | $ 52,000 |
| Lake County Michigan | 5 | $ 371,000 | $ 74,000 | $ 43,000 |
| Osceola County Michigan | 5 | $ 535,000 | $ 107,000 | $ 58,000 |
| Columbiana County Ohio | 5 | $ 754,000 | $ 150,000 | $ 65,000 |
| Paulding County Ohio | 5 | $ 470,000 | $ 94,000 | $ 56,000 |
| Bath County Kentucky | 4 | $ 220,000 | $ 55,000 | $ 34,000 |
| Allen County Ohio | 4 | $ 618,000 | $ 154,000 | $ 50,000 |
| Clermont County Ohio | 4 | $ 420,000 | $ 105,000 | $ 31,000 |
| Union County Ohio | 4 | $ 405,000 | $ 101,000 | $ 49,000 |
| Washington County Ohio | 4 | $ 502,000 | $ 125,000 | $ 40,000 |
| Berks County Pennsylvania | 4 | $ 604,000 | $ 151,000 | $ 76,000 |
| Lincoln County West Virginia | 4 | $ 335,000 | $ 83,000 | $ 50,000 |
| Broward County Florida | 3 | $ 465,000 | $ 155,000 | $ 108,000 |
| Clark County Kentucky | 3 | $ 410,000 | $ 136,000 | $ 56,000 |
| Hart County Kentucky | 3 | $ 96,000 | $ 32,000 | $ 38,000 |
| Laurel County Kentucky | 3 | $ 246,000 | $ 82,000 | $ 55,000 |
| Carroll County Ohio | 3 | $ 333,000 | $ 111,000 | $ 76,000 |
| Crawford County Ohio | 3 | $ 165,000 | $ 55,000 | $ 43,000 |
| Meigs County Ohio | 3 | $ 327,000 | $ 109,000 | $ 81,000 |
| Monroe County Ohio | 3 | $ 199,000 | $ 66,000 | $ 78,000 |
| Cumberland County Pennsylvania | 3 | $ 260,000 | $ 86,000 | $ 50,000 |
| Horry County South Carolina | 3 | $ 606,000 | $ 202,000 | $ 37,000 |
| Ohio County West Virginia | 3 | $ 345,000 | $ 115,000 | $ 62,000 |
| Warrick County Indiana | 2 | $ 280,000 | $ 140,000 | $ 55,000 |
| Adair County Kentucky | 2 | $ 158,000 | $ 79,000 | $ 81,000 |
| Bourbon County Kentucky | 2 | $ 184,000 | $ 92,000 | $ 93,000 |
| Calloway County Kentucky | 2 | $ 135,000 | $ 67,000 | $ 86,000 |
| Campbell County Kentucky | 2 | $ 293,000 | $ 146,000 | $ 52,000 |
| Elliott County Kentucky | 2 | $ 106,000 | $ 53,000 | $ 96,000 |
| Garrard County Kentucky | 2 | $ 292,000 | $ 146,000 | $ 56,000 |
| Menifee County Kentucky | 2 | $ 314,000 | $ 157,000 | $ 69,000 |
| Monroe County Kentucky | 2 | $ 101,000 | $ 50,000 | $ 51,000 |
| Powell County Kentucky | 2 | $ 229,000 | $ 114,000 | $ 96,000 |
| Washington County Maryland | 2 | $ 254,000 | $ 127,000 | $ 50,000 |
| Muskegon County Michigan | 2 | $ 256,000 | $ 128,000 | $ 73,000 |
| Wexford County Michigan | 2 | $ 259,000 | $ 129,000 | $ 34,000 |
| Fairfield County Ohio | 2 | $ 207,000 | $ 103,000 | $ 57,000 |
| Licking County Ohio | 2 | $ 212,000 | $ 106,000 | $ 37,000 |
| Marion County Ohio | 2 | $ 211,000 | $ 105,000 | $ 71,000 |
| Pike County Ohio | 2 | $ 209,000 | $ 104,000 | $ 47,000 |
| Seneca County Ohio | 2 | $ 181,000 | $ 90,000 | $ 49,000 |
| Fayette County West Virginia | 2 | $ 196,000 | $ 98,000 | $ 47,000 |
| Raleigh County West Virginia | 2 | $ 104,000 | $ 52,000 | $ 48,000 |
| Mohave County Arizona | 1 | $ 265,000 | $ 265,000 | $ 226,000 |
| Collier County Florida | 1 | $ 330,000 | $ 330,000 | $ 67,000 |
| Lee County Florida | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| St. Johns County Florida | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Cook County Illinois | 1 | $ 272,000 | $ 272,000 | $ 163,000 |
| Daviess County Indiana | 1 | $ 46,000 | $ 46,000 | $ 88,000 |
| Johnson County Indiana | 1 | $ 160,000 | $ 160,000 | $ 80,000 |
| Knox County Indiana | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Perry County Indiana | 1 | $ 160,000 | $ 160,000 | $ 53,000 |
| Vanderburgh County Indiana | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Ballard County Kentucky | 1 | $ 106,000 | $ 106,000 | $ 40,000 |
| Boone County Kentucky | 1 | $ 78,000 | $ 78,000 | $ 37,000 |
| Cumberland County Kentucky | 1 | $ 176,000 | $ 176,000 | $ 80,000 |
| Grayson County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Greenup County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 152,000 |
| Jefferson County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Madison County Kentucky | 1 | $ 182,000 | $ 182,000 | $ 43,000 |
| Metcalfe County Kentucky | 1 | $ 40,000 | $ 40,000 | $ 49,000 |
| Morgan County Kentucky | 1 | $ 114,000 | $ 114,000 | $ 82,000 |
| Muhlenberg County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 72,000 |
| Owen County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Scott County Kentucky | 1 | $ 242,000 | $ 242,000 | $ 105,000 |
| Warren County Kentucky | 1 | $ 83,000 | $ 83,000 | $ 63,000 |
| Orleans County Louisiana | 1 | $ 73,000 | $ 73,000 | $ 88,000 |
| Carroll County Maryland | 1 | $ 130,000 | $ 130,000 | $ 64,000 |
| Cecil County Maryland | 1 | $ 105,000 | $ 105,000 | $ 22,000 |
| Clare County Michigan | 1 | $ 100,000 | $ 100,000 | $ 123,000 |
| Ionia County Michigan | 1 | $ 248,000 | $ 248,000 | $ 179,000 |
| Mason County Michigan | 1 | $ 30,000 | $ 30,000 | $ 26,000 |
| Montcalm County Michigan | 1 | $ 118,000 | $ 118,000 | $ 52,000 |
| Ottawa County Michigan | 1 | $ 97,000 | $ 97,000 | $ 43,000 |
| Washtenaw County Michigan | 1 | $ 188,000 | $ 188,000 | $ 81,000 |
| Cape May County New Jersey | 1 | $ 304,000 | $ 304,000 | $ 218,000 |
| Tioga County New York | 1 | $ 103,000 | $ 103,000 | $ 50,000 |
| Ashtabula County Ohio | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| Athens County Ohio | 1 | $ 221,000 | $ 221,000 | $ 155,000 |
| Brown County Ohio | 1 | $ 203,000 | $ 203,000 | $ 42,000 |
| Darke County Ohio | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Fayette County Ohio | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Geauga County Ohio | 1 | $ 133,000 | $ 133,000 | $ 42,000 |
| Guernsey County Ohio | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Hardin County Ohio | 1 | $ 79,000 | $ 79,000 | $ 27,000 |
| Henry County Ohio | 1 | $ 70,000 | $ 70,000 | $ 39,000 |
| Highland County Ohio | 1 | $ 156,000 | $ 156,000 | $ 86,000 |
| Hocking County Ohio | 1 | $ 250,000 | $ 250,000 | $ 54,000 |
| Knox County Ohio | 1 | $ 152,000 | $ 152,000 | $ 92,000 |
| Mercer County Ohio | 1 | $ 71,000 | $ 71,000 | $ 125,000 |
| Noble County Ohio | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
| Richland County Ohio | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Ross County Ohio | 1 | $ 179,000 | $ 179,000 | $ 46,000 |
| Trumbull County Ohio | 1 | $ 70,000 | $ 70,000 | $ 63,000 |
| Warren County Ohio | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Wyandot County Ohio | 1 | $ 49,000 | $ 49,000 | $ 39,000 |
| Allegheny County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 87,000 |
| Columbia County Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Lebanon County Pennsylvania | 1 | $ 109,000 | $ 109,000 | $ 94,000 |
| Northumberland County Pennsylvania | 1 | $ 156,000 | $ 156,000 | $ 123,000 |
| York County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 86,000 |
| Beaufort County South Carolina | 1 | $ 71,000 | $ 71,000 | $ 182,000 |
| Richland County South Carolina | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Macon County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Sevier County Tennessee | 1 | $ 199,000 | $ 199,000 | $ 219,000 |
| Mercer County West Virginia | 1 | $ 92,000 | $ 92,000 | $ 80,000 |
| Nicholas County West Virginia | 1 | $ 86,000 | $ 86,000 | $ 26,000 |
| Pendleton County West Virginia | 1 | $ 77,000 | $ 77,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2004
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 | 563 | $63,511,000 | $147,857 | $541,000 | $92,357 | $573,000 |
| Home Purchase | 317 | $32,260,000 | $136,727 | $456,000 | $65,818 | $829,000 |
| Home Improvement | 7 | $358,000 | $100,000 | $151,000 | $54,666 | $81,000 |
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 | 820 | $88,808,000 | $148,230 | $403,000 | $94,923 | $829,000 |
| Not Provided | 37 | $4,122,000 | $141,375 | $330,000 | $96,125 | $309,000 |
| Not applicable | 19 | $2,101,000 | $187,000 | $541,000 | $0 | $0 |
| Hispanic | 4 | $233,000 | $58,000 | $86,000 | $47,000 | $102,000 |
| Asian | 3 | $607,000 | $219,500 | $272,000 | $133,000 | $163,000 |
| Black or African American | 2 | $146,000 | $73,000 | $73,000 | $71,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $52,000 | $52,000 | $52,000 | $32,000 | $32,000 |
| American Indian or Alaskan Native | 1 | $60,000 | $60,000 | $60,000 | $19,000 | $19,000 |
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) | 887 | $96,129,000 | $149,187 | $541,000 | $91,187 | $829,000 |
| 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 | 693 | $76,383,000 | $156,750 | $541,000 | $92,750 | $829,000 |
| Application Denied By Financial Institution | 93 | $9,093,000 | $91,625 | $400,000 | $46,625 | $309,000 |
| Application Withdrawn By Applicant | 76 | $8,179,000 | $148,200 | $403,000 | $79,600 | $270,000 |
| Application Approved But Not Accepted | 25 | $2,474,000 | $107,400 | $270,000 | $72,600 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $1,660,000 | $80,714 | $166,000 | $47,714 | $121,000 |
| Debt-To-Income Ratio | 15 | $1,622,000 | $99,250 | $180,000 | $33,000 | $74,000 |
| Collateral | 11 | $1,483,000 | $161,000 | $328,000 | $107,200 | $309,000 |
| Other | 2 | $229,000 | $114,500 | $150,000 | $78,000 | $120,000 |
| Unverifiable Information | 1 | $120,000 | $120,000 | $120,000 | $29,000 | $29,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $80,000 | $80,000 | $80,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 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 2004 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.