The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
The First State Bank 2005 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 | 832 |
| Total Mortgage Loan Application Amount | $95,193,000 |
| Average Mortgage Loan Application Amount | $154,080 |
| Highest Mortgage Loan Application Amount | $812,000 |
| Average Applicant Income | $78,600 |
| Highest Applicant Income | $1,157,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 63 | $ 6,320,000 | $ 100,000 | $ 70,000 |
| Athens County Ohio | 51 | $ 5,905,000 | $ 115,000 | $ 65,000 |
| Hocking County Ohio | 50 | $ 4,854,000 | $ 97,000 | $ 40,000 |
| Pulaski County Kentucky | 49 | $ 5,530,000 | $ 112,000 | $ 84,000 |
| Putnam County Ohio | 30 | $ 3,524,000 | $ 117,000 | $ 47,000 |
| Montgomery County Kentucky | 28 | $ 3,285,000 | $ 117,000 | $ 58,000 |
| Defiance County Ohio | 27 | $ 2,502,000 | $ 92,000 | $ 49,000 |
| Auglaize County Ohio | 23 | $ 2,870,000 | $ 124,000 | $ 44,000 |
| Kent County Maryland | 22 | $ 4,654,000 | $ 211,000 | $ 80,000 |
| Muskingum County Ohio | 22 | $ 2,280,000 | $ 103,000 | $ 37,000 |
| Spencer County Indiana | 20 | $ 1,916,000 | $ 95,000 | $ 52,000 |
| Shelby County Ohio | 20 | $ 2,130,000 | $ 106,000 | $ 94,000 |
| Putnam County West Virginia | 20 | $ 2,951,000 | $ 147,000 | $ 100,000 |
| Morgan County Ohio | 19 | $ 1,698,000 | $ 89,000 | $ 58,000 |
| Perry County Ohio | 19 | $ 2,242,000 | $ 118,000 | $ 64,000 |
| Knox County Kentucky | 16 | $ 2,002,000 | $ 125,000 | $ 85,000 |
| Bradford County Pennsylvania | 16 | $ 1,561,000 | $ 97,000 | $ 46,000 |
| Lycoming County Pennsylvania | 15 | $ 1,623,000 | $ 108,000 | $ 50,000 |
| Noble County Ohio | 14 | $ 1,333,000 | $ 95,000 | $ 41,000 |
| Graves County Kentucky | 12 | $ 839,000 | $ 69,000 | $ 38,000 |
| Fairfield County Ohio | 10 | $ 922,000 | $ 92,000 | $ 88,000 |
| Washington County Ohio | 10 | $ 869,000 | $ 86,000 | $ 57,000 |
| Kanawha County West Virginia | 10 | $ 1,062,000 | $ 106,000 | $ 62,000 |
| Lawrence County Ohio | 9 | $ 710,000 | $ 78,000 | $ 42,000 |
| Dubois County Indiana | 8 | $ 880,000 | $ 110,000 | $ 44,000 |
| Adair County Kentucky | 8 | $ 635,000 | $ 79,000 | $ 50,000 |
| McCracken County Kentucky | 8 | $ 929,000 | $ 116,000 | $ 48,000 |
| Erie County Ohio | 8 | $ 1,018,000 | $ 127,000 | $ 115,000 |
| Stark County Ohio | 8 | $ 951,000 | $ 118,000 | $ 56,000 |
| Carroll County Ohio | 7 | $ 768,000 | $ 109,000 | $ 45,000 |
| Wayne County West Virginia | 7 | $ 473,000 | $ 67,000 | $ 143,000 |
| Lake County Michigan | 6 | $ 907,000 | $ 151,000 | $ 136,000 |
| Clermont County Ohio | 6 | $ 740,000 | $ 123,000 | $ 56,000 |
| Fayette County Kentucky | 5 | $ 822,000 | $ 164,000 | $ 108,000 |
| Washington County Maryland | 5 | $ 839,000 | $ 167,000 | $ 42,000 |
| Osceola County Michigan | 5 | $ 455,000 | $ 91,000 | $ 54,000 |
| Brown County Ohio | 5 | $ 691,000 | $ 138,000 | $ 68,000 |
| Paulding County Ohio | 5 | $ 575,000 | $ 115,000 | $ 59,000 |
| Pike County Ohio | 5 | $ 487,000 | $ 97,000 | $ 44,000 |
| Warrick County Indiana | 4 | $ 284,000 | $ 71,000 | $ 64,000 |
| Bath County Kentucky | 4 | $ 261,000 | $ 65,000 | $ 51,000 |
| Cumberland County Kentucky | 4 | $ 386,000 | $ 96,000 | $ 119,000 |
| Hart County Kentucky | 4 | $ 139,000 | $ 34,000 | $ 23,000 |
| Queen Anne's County Maryland | 4 | $ 725,000 | $ 181,000 | $ 48,000 |
| Newaygo County Michigan | 4 | $ 406,000 | $ 101,000 | $ 57,000 |
| Franklin County Pennsylvania | 4 | $ 563,000 | $ 140,000 | $ 55,000 |
| Tioga County Pennsylvania | 4 | $ 470,000 | $ 117,000 | $ 83,000 |
| Mason County West Virginia | 4 | $ 975,000 | $ 243,000 | $ 311,000 |
| Clinton County Kentucky | 3 | $ 211,000 | $ 70,000 | $ 62,000 |
| Madison County Kentucky | 3 | $ 332,000 | $ 110,000 | $ 60,000 |
| Ohio County Kentucky | 3 | $ 245,000 | $ 81,000 | $ 59,000 |
| Kent County Michigan | 3 | $ 490,000 | $ 163,000 | $ 83,000 |
| Huron County Ohio | 3 | $ 189,000 | $ 63,000 | $ 22,000 |
| Mercer County Ohio | 3 | $ 424,000 | $ 141,000 | $ 64,000 |
| Horry County South Carolina | 3 | $ 1,250,000 | $ 416,000 | $ 347,000 |
| Pickett County Tennessee | 3 | $ 308,000 | $ 102,000 | $ 76,000 |
| Boyd County Kentucky | 2 | $ 213,000 | $ 106,000 | $ 81,000 |
| Clark County Kentucky | 2 | $ 421,000 | $ 210,000 | $ 98,000 |
| Jefferson County Kentucky | 2 | $ 310,000 | $ 155,000 | $ 145,000 |
| Lincoln County Kentucky | 2 | $ 110,000 | $ 55,000 | $ 16,000 |
| McCreary County Kentucky | 2 | $ 156,000 | $ 78,000 | $ 24,000 |
| Menifee County Kentucky | 2 | $ 153,000 | $ 76,000 | $ 44,000 |
| Pendleton County Kentucky | 2 | $ 202,000 | $ 101,000 | $ 72,000 |
| Wayne County Kentucky | 2 | $ 208,000 | $ 104,000 | $ 50,000 |
| Mecosta County Michigan | 2 | $ 221,000 | $ 110,000 | $ 54,000 |
| Muskegon County Michigan | 2 | $ 225,000 | $ 112,000 | $ 69,000 |
| Tuscola County Michigan | 2 | $ 291,000 | $ 145,000 | $ 77,000 |
| Allen County Ohio | 2 | $ 318,000 | $ 159,000 | $ 70,000 |
| Columbiana County Ohio | 2 | $ 96,000 | $ 48,000 | $ 44,000 |
| Henry County Ohio | 2 | $ 170,000 | $ 85,000 | $ 50,000 |
| Highland County Ohio | 2 | $ 303,000 | $ 151,000 | $ 87,000 |
| Meigs County Ohio | 2 | $ 154,000 | $ 77,000 | $ 31,000 |
| Portage County Ohio | 2 | $ 260,000 | $ 130,000 | $ 54,000 |
| Ross County Ohio | 2 | $ 143,000 | $ 71,000 | $ 47,000 |
| Centre County Pennsylvania | 2 | $ 282,000 | $ 141,000 | $ 61,000 |
| Columbia County Pennsylvania | 2 | $ 203,000 | $ 101,000 | $ 58,000 |
| Cumberland County Pennsylvania | 2 | $ 416,000 | $ 208,000 | $ 119,000 |
| Fayette County West Virginia | 2 | $ 272,000 | $ 136,000 | $ 98,000 |
| Charlotte County Florida | 1 | $ 360,000 | $ 360,000 | $ 154,000 |
| Indian River County Florida | 1 | $ 206,000 | $ 206,000 | $ 73,000 |
| Palm Beach County Florida | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Allen County Indiana | 1 | $ 62,000 | $ 62,000 | $ 24,000 |
| Vanderburgh County Indiana | 1 | $ 89,000 | $ 89,000 | $ 52,000 |
| Barren County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Bourbon County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Boyle County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 29,000 |
| Breckinridge County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 160,000 |
| Calloway County Kentucky | 1 | $ 280,000 | $ 280,000 | $ 122,000 |
| Carlisle County Kentucky | 1 | $ 99,000 | $ 99,000 | $ 82,000 |
| Casey County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Daviess County Kentucky | 1 | $ 224,000 | $ 224,000 | $ 123,000 |
| Elliott County Kentucky | 1 | $ 73,000 | $ 73,000 | $ 48,000 |
| Greenup County Kentucky | 1 | $ 144,000 | $ 144,000 | $ 134,000 |
| Johnson County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 67,000 |
| Laurel County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Livingston County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 49,000 |
| Meade County Kentucky | 1 | $ 131,000 | $ 131,000 | $ 62,000 |
| Powell County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Rowan County Kentucky | 1 | $ 157,000 | $ 157,000 | $ 59,000 |
| Russell County Kentucky | 1 | $ 67,000 | $ 67,000 | $ 52,000 |
| Shelby County Kentucky | 1 | $ 67,000 | $ 67,000 | $ 40,000 |
| Anne Arundel County Maryland | 1 | $ 350,000 | $ 350,000 | $ 144,000 |
| Cecil County Maryland | 1 | $ 228,000 | $ 228,000 | $ 104,000 |
| Manistee County Michigan | 1 | $ 94,000 | $ 94,000 | $ 34,000 |
| Oceana County Michigan | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Sanilac County Michigan | 1 | $ 229,000 | $ 229,000 | $ 61,000 |
| Ocean County New Jersey | 1 | $ 500,000 | $ 500,000 | $ 151,000 |
| Tioga County New York | 1 | $ 120,000 | $ 120,000 | $ 76,000 |
| Franklin County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Belmont County Ohio | 1 | $ 92,000 | $ 92,000 | $ 98,000 |
| Champaign County Ohio | 1 | $ 117,000 | $ 117,000 | $ 34,000 |
| Franklin County Ohio | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Guernsey County Ohio | 1 | $ 139,000 | $ 139,000 | $ 64,000 |
| Hamilton County Ohio | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Hancock County Ohio | 1 | $ 71,000 | $ 71,000 | $ 35,000 |
| Hardin County Ohio | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Licking County Ohio | 1 | $ 247,000 | $ 247,000 | $ 93,000 |
| Monroe County Ohio | 1 | $ 42,000 | $ 42,000 | $ 30,000 |
| Sandusky County Ohio | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Warren County Ohio | 1 | $ 190,000 | $ 190,000 | $ 48,000 |
| Williams County Ohio | 1 | $ 69,000 | $ 69,000 | $ 41,000 |
| Berks County Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 71,000 |
| Delaware County Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 98,000 |
| Montgomery County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Northumberland County Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 63,000 |
| Sullivan County Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 98,000 |
| Jefferson County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Galveston County Texas | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Jackson County West Virginia | 1 | $ 237,000 | $ 237,000 | $ 169,000 |
| Lincoln County West Virginia | 1 | $ 70,000 | $ 70,000 | $ 109,000 |
| Marshall County West Virginia | 1 | $ 72,000 | $ 72,000 | $ 75,000 |
| Pocahontas County West Virginia | 1 | $ 128,000 | $ 128,000 | $ 239,000 |
| Roane County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Wood County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2005
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 | 494 | $57,404,000 | $130,444 | $812,000 | $65,666 | $1,157,000 |
| Home Purchase | 337 | $37,769,000 | $177,200 | $650,000 | $89,333 | $881,000 |
| Home Improvement | 1 | $20,000 | $20,000 | $20,000 | $34,000 | $34,000 |
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 | 795 | $90,615,000 | $183,384 | $812,000 | $110,000 | $1,157,000 |
| Not Provided | 19 | $2,232,000 | $118,000 | $195,000 | $102,600 | $302,000 |
| Black or African American | 8 | $795,000 | $133,333 | $266,000 | $66,000 | $113,000 |
| Not applicable | 6 | $952,000 | $203,333 | $300,000 | $0 | $0 |
| Hispanic | 3 | $464,000 | $153,500 | $224,000 | $47,500 | $58,000 |
| Asian | 1 | $135,000 | $135,000 | $135,000 | $60,000 | $60,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 830 | $95,023,000 | $178,066 | $812,000 | $88,133 | $1,157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $170,000 | $85,000 | $94,000 | $33,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 606 | $71,730,000 | $188,461 | $812,000 | $96,230 | $1,157,000 |
| Application Denied By Financial Institution | 100 | $9,903,000 | $115,500 | $428,000 | $59,000 | $177,000 |
| Application Approved But Not Accepted | 69 | $6,795,000 | $106,285 | $241,000 | $57,714 | $302,000 |
| Application Withdrawn By Applicant | 41 | $4,877,000 | $129,714 | $265,000 | $56,000 | $147,000 |
| File Closed For Incompleteness | 16 | $1,888,000 | $112,666 | $224,000 | $56,333 | $103,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $1,638,000 | $153,666 | $428,000 | $53,000 | $133,000 |
| Debt-To-Income Ratio | 3 | $358,000 | $119,000 | $175,000 | $36,000 | $53,000 |
| Collateral | 2 | $199,000 | $99,500 | $103,000 | $62,000 | $63,000 |
| Other | 2 | $215,000 | $107,000 | $135,000 | $76,000 | $114,000 |
| Unverifiable Information | 1 | $124,000 | $124,000 | $124,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $232,000 | $232,000 | $232,000 | $80,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2005 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.