The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
The First State Bank 2007 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 | 575 |
| Total Mortgage Loan Application Amount | $67,802,000 |
| Average Mortgage Loan Application Amount | $94,666 |
| Highest Mortgage Loan Application Amount | $1,218,000 |
| Average Applicant Income | $62,666 |
| Highest Applicant Income | $602,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 81 | $ 10,082,000 | $ 124,000 | $ 74,000 |
| Athens County Ohio | 42 | $ 4,868,000 | $ 115,000 | $ 107,000 |
| Spencer County Indiana | 29 | $ 3,155,000 | $ 108,000 | $ 58,000 |
| Putnam County Ohio | 26 | $ 2,647,000 | $ 101,000 | $ 56,000 |
| Defiance County Ohio | 22 | $ 2,072,000 | $ 94,000 | $ 67,000 |
| Hocking County Ohio | 22 | $ 2,330,000 | $ 105,000 | $ 59,000 |
| Pulaski County Kentucky | 21 | $ 1,764,000 | $ 84,000 | $ 61,000 |
| Noble County Ohio | 18 | $ 1,847,000 | $ 102,000 | $ 49,000 |
| Lawrence County Ohio | 17 | $ 1,582,000 | $ 93,000 | $ 38,000 |
| Graves County Kentucky | 16 | $ 1,166,000 | $ 72,000 | $ 60,000 |
| Stark County Ohio | 16 | $ 1,359,000 | $ 84,000 | $ 57,000 |
| Putnam County West Virginia | 16 | $ 2,808,000 | $ 175,000 | $ 72,000 |
| Carroll County Ohio | 13 | $ 1,514,000 | $ 116,000 | $ 55,000 |
| Columbiana County Ohio | 13 | $ 1,362,000 | $ 104,000 | $ 49,000 |
| Morgan County Ohio | 12 | $ 1,071,000 | $ 89,000 | $ 54,000 |
| Kanawha County West Virginia | 12 | $ 1,553,000 | $ 129,000 | $ 63,000 |
| Perry County Ohio | 11 | $ 988,000 | $ 89,000 | $ 50,000 |
| Dubois County Indiana | 10 | $ 917,000 | $ 91,000 | $ 50,000 |
| Washington County Ohio | 10 | $ 1,165,000 | $ 116,000 | $ 63,000 |
| Clark County Kentucky | 9 | $ 1,758,000 | $ 195,000 | $ 83,000 |
| Bourbon County Kentucky | 7 | $ 1,404,000 | $ 200,000 | $ 105,000 |
| Knox County Kentucky | 7 | $ 928,000 | $ 132,000 | $ 55,000 |
| Wayne County West Virginia | 7 | $ 910,000 | $ 130,000 | $ 88,000 |
| Muskingum County Ohio | 5 | $ 783,000 | $ 156,000 | $ 209,000 |
| Paulding County Ohio | 5 | $ 630,000 | $ 126,000 | $ 67,000 |
| Shelby County Ohio | 5 | $ 657,000 | $ 131,000 | $ 60,000 |
| Fayette County Kentucky | 4 | $ 818,000 | $ 204,000 | $ 230,000 |
| McCracken County Kentucky | 4 | $ 532,000 | $ 133,000 | $ 90,000 |
| Lenawee County Michigan | 4 | $ 524,000 | $ 131,000 | $ 84,000 |
| Auglaize County Ohio | 4 | $ 410,000 | $ 102,000 | $ 68,000 |
| Geauga County Ohio | 4 | $ 670,000 | $ 167,000 | $ 70,000 |
| Monroe County Ohio | 4 | $ 383,000 | $ 95,000 | $ 38,000 |
| Montgomery County Kentucky | 3 | $ 358,000 | $ 119,000 | $ 78,000 |
| Lake County Michigan | 3 | $ 222,000 | $ 74,000 | $ 57,000 |
| Tuscola County Michigan | 3 | $ 471,000 | $ 157,000 | $ 80,000 |
| Belmont County Ohio | 3 | $ 253,000 | $ 84,000 | $ 44,000 |
| Fairfield County Ohio | 3 | $ 276,000 | $ 92,000 | $ 97,000 |
| Henry County Ohio | 3 | $ 608,000 | $ 202,000 | $ 68,000 |
| Jackson County Ohio | 3 | $ 221,000 | $ 73,000 | $ 38,000 |
| Licking County Ohio | 3 | $ 769,000 | $ 256,000 | $ 94,000 |
| Pike County Ohio | 3 | $ 308,000 | $ 102,000 | $ 42,000 |
| Summit County Ohio | 3 | $ 247,000 | $ 82,000 | $ 89,000 |
| Escambia County Florida | 2 | $ 254,000 | $ 127,000 | $ 60,000 |
| Adair County Kentucky | 2 | $ 155,000 | $ 77,000 | $ 48,000 |
| Cumberland County Kentucky | 2 | $ 192,000 | $ 96,000 | $ 52,000 |
| Marshall County Kentucky | 2 | $ 246,000 | $ 123,000 | $ 72,000 |
| Powell County Kentucky | 2 | $ 155,000 | $ 77,000 | $ 54,000 |
| Rockcastle County Kentucky | 2 | $ 155,000 | $ 77,000 | $ 79,000 |
| Jackson County Michigan | 2 | $ 142,000 | $ 71,000 | $ 47,000 |
| Kalamazoo County Michigan | 2 | $ 94,000 | $ 47,000 | $ 51,000 |
| Manistee County Michigan | 2 | $ 236,000 | $ 118,000 | $ 60,000 |
| Allen County Ohio | 2 | $ 234,000 | $ 117,000 | $ 51,000 |
| Franklin County Ohio | 2 | $ 317,000 | $ 158,000 | $ 63,000 |
| Guernsey County Ohio | 2 | $ 199,000 | $ 99,000 | $ 52,000 |
| Hardin County Ohio | 2 | $ 130,000 | $ 65,000 | $ 21,000 |
| Tuscarawas County Ohio | 2 | $ 277,000 | $ 138,000 | $ 68,000 |
| Fayette County West Virginia | 2 | $ 196,000 | $ 98,000 | $ 323,000 |
| Jackson County Georgia | 1 | $ 227,000 | $ 227,000 | $ 108,000 |
| Allen County Indiana | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| DeKalb County Indiana | 1 | $ 112,000 | $ 112,000 | $ 81,000 |
| Pike County Indiana | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Barren County Kentucky | 1 | $ 46,000 | $ 46,000 | $ 14,000 |
| Greenup County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Hickman County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 35,000 |
| Menifee County Kentucky | 1 | $ 123,000 | $ 123,000 | $ 52,000 |
| Metcalfe County Kentucky | 1 | $ 38,000 | $ 38,000 | $ 27,000 |
| Scott County Kentucky | 1 | $ 343,000 | $ 343,000 | $ 190,000 |
| Osceola County Michigan | 1 | $ 90,000 | $ 90,000 | $ 78,000 |
| Wayne County Michigan | 1 | $ 57,000 | $ 57,000 | $ 183,000 |
| Cumberland County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 44,000 |
| Dare County North Carolina | 1 | $ 945,000 | $ 945,000 | $ 446,000 |
| Mecklenburg County North Carolina | 1 | $ 294,000 | $ 294,000 | $ 109,000 |
| Ashtabula County Ohio | 1 | $ 92,000 | $ 92,000 | $ 49,000 |
| Brown County Ohio | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Clermont County Ohio | 1 | $ 208,000 | $ 208,000 | $ 58,000 |
| Delaware County Ohio | 1 | $ 368,000 | $ 368,000 | $ 153,000 |
| Fulton County Ohio | 1 | $ 151,000 | $ 151,000 | $ 31,000 |
| Hancock County Ohio | 1 | $ 90,000 | $ 90,000 | $ 46,000 |
| Holmes County Ohio | 1 | $ 350,000 | $ 350,000 | $ 204,000 |
| Madison County Ohio | 1 | $ 71,000 | $ 71,000 | $ 59,000 |
| Mahoning County Ohio | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Miami County Ohio | 1 | $ 400,000 | $ 400,000 | $ 104,000 |
| Portage County Ohio | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| Seneca County Ohio | 1 | $ 139,000 | $ 139,000 | $ 68,000 |
| Trumbull County Ohio | 1 | $ 73,000 | $ 73,000 | $ 80,000 |
| Vinton County Ohio | 1 | $ 60,000 | $ 60,000 | $ 75,000 |
| Wayne County Ohio | 1 | $ 124,000 | $ 124,000 | $ 75,000 |
| Williams County Ohio | 1 | $ 184,000 | $ 184,000 | $ 81,000 |
| Knox County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 29,000 |
| Obion County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Boone County West Virginia | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Nicholas County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 11,000 |
| Summers County West Virginia | 1 | $ 214,000 | $ 214,000 | $ 167,000 |
| Wirt County West Virginia | 1 | $ 200,000 | $ 200,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2007
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 | 293 | $36,340,000 | $124,000 | $1,218,000 | $73,000 | $602,000 |
| Home Purchase | 279 | $31,317,000 | $112,000 | $945,000 | $68,000 | $446,000 |
| Home Improvement | 3 | $145,000 | $48,000 | $71,000 | $47,000 | $61,000 |
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 | 548 | $62,958,000 | $114,000 | $945,000 | $71,000 | $602,000 |
| Not Provided | 10 | $1,078,000 | $107,000 | $324,000 | $62,000 | $117,000 |
| Not applicable | 6 | $1,830,000 | $305,000 | $1,218,000 | $23,000 | $140,000 |
| Hispanic | 5 | $580,000 | $116,000 | $225,000 | $59,000 | $94,000 |
| Asian | 3 | $803,000 | $267,000 | $396,000 | $115,000 | $240,000 |
| Black or African American | 3 | $553,000 | $184,000 | $287,000 | $65,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 556 | $65,922,000 | $118,000 | $1,218,000 | $71,000 | $602,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,880,000 | $98,000 | $140,000 | $43,000 | $69,000 |
| 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 | 405 | $47,795,000 | $118,000 | $1,218,000 | $77,000 | $602,000 |
| Application Denied By Financial Institution | 89 | $10,845,000 | $121,000 | $945,000 | $59,000 | $446,000 |
| Application Approved But Not Accepted | 35 | $4,424,000 | $126,000 | $417,000 | $56,000 | $137,000 |
| Application Withdrawn By Applicant | 28 | $2,736,000 | $97,000 | $400,000 | $51,000 | $144,000 |
| File Closed For Incompleteness | 17 | $1,827,000 | $107,000 | $190,000 | $46,000 | $116,000 |
| Loan Purchased By The Institution | 1 | $175,000 | $175,000 | $175,000 | $109,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $150,000 | $150,000 | $150,000 | $98,000 | $98,000 |
| Other | 1 | $298,000 | $298,000 | $298,000 | $94,000 | $94,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2007 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.