The First State Bank 2009 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 | 1,563 |
| Total Mortgage Loan Application Amount | $228,140,000 |
| Average Mortgage Loan Application Amount | $135,333 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $72,666 |
| Highest Applicant Income | $1,127,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 112 | $ 18,084,000 | $ 161,000 | $ 120,000 |
| Dubois County Indiana | 98 | $ 13,851,000 | $ 141,000 | $ 69,000 |
| Muskingum County Ohio | 83 | $ 11,246,000 | $ 135,000 | $ 85,000 |
| Pulaski County Kentucky | 80 | $ 11,006,000 | $ 137,000 | $ 79,000 |
| Fayette County Kentucky | 71 | $ 15,843,000 | $ 223,000 | $ 159,000 |
| Putnam County Ohio | 69 | $ 10,942,000 | $ 158,000 | $ 89,000 |
| Warren County Kentucky | 63 | $ 10,738,000 | $ 170,000 | $ 96,000 |
| Montgomery County Kentucky | 60 | $ 9,201,000 | $ 153,000 | $ 98,000 |
| Graves County Kentucky | 52 | $ 5,912,000 | $ 113,000 | $ 76,000 |
| Spencer County Indiana | 48 | $ 6,327,000 | $ 131,000 | $ 78,000 |
| Clark County Kentucky | 38 | $ 5,837,000 | $ 153,000 | $ 83,000 |
| Putnam County West Virginia | 38 | $ 6,808,000 | $ 179,000 | $ 93,000 |
| Noble County Ohio | 36 | $ 4,273,000 | $ 118,000 | $ 63,000 |
| Auglaize County Ohio | 35 | $ 4,981,000 | $ 142,000 | $ 77,000 |
| Athens County Ohio | 29 | $ 4,195,000 | $ 144,000 | $ 85,000 |
| Bourbon County Kentucky | 27 | $ 4,299,000 | $ 159,000 | $ 88,000 |
| Hocking County Ohio | 26 | $ 3,120,000 | $ 120,000 | $ 72,000 |
| Perry County Ohio | 20 | $ 2,375,000 | $ 118,000 | $ 80,000 |
| Carroll County Ohio | 19 | $ 2,278,000 | $ 119,000 | $ 59,000 |
| Stark County Ohio | 18 | $ 2,245,000 | $ 124,000 | $ 69,000 |
| Barren County Kentucky | 17 | $ 1,748,000 | $ 102,000 | $ 72,000 |
| Tuscola County Michigan | 17 | $ 1,824,000 | $ 107,000 | $ 55,000 |
| Defiance County Ohio | 17 | $ 1,720,000 | $ 101,000 | $ 71,000 |
| Lawrence County Ohio | 17 | $ 2,463,000 | $ 144,000 | $ 77,000 |
| Pickaway County Ohio | 17 | $ 1,847,000 | $ 108,000 | $ 56,000 |
| McCracken County Kentucky | 15 | $ 2,660,000 | $ 177,000 | $ 95,000 |
| Shelby County Ohio | 15 | $ 2,017,000 | $ 134,000 | $ 100,000 |
| Clinton County Kentucky | 14 | $ 1,638,000 | $ 117,000 | $ 62,000 |
| Hart County Kentucky | 14 | $ 1,680,000 | $ 120,000 | $ 80,000 |
| Simpson County Kentucky | 14 | $ 2,531,000 | $ 180,000 | $ 91,000 |
| Guernsey County Ohio | 12 | $ 1,346,000 | $ 112,000 | $ 50,000 |
| Ottawa County Ohio | 12 | $ 2,028,000 | $ 169,000 | $ 111,000 |
| Wayne County West Virginia | 11 | $ 1,343,000 | $ 122,000 | $ 80,000 |
| Osceola County Michigan | 10 | $ 962,000 | $ 96,000 | $ 57,000 |
| Henry County Ohio | 10 | $ 1,134,000 | $ 113,000 | $ 53,000 |
| Morgan County Ohio | 10 | $ 996,000 | $ 99,000 | $ 73,000 |
| Calloway County Kentucky | 9 | $ 1,438,000 | $ 159,000 | $ 91,000 |
| Lake County Michigan | 9 | $ 765,000 | $ 85,000 | $ 59,000 |
| Paulding County Ohio | 9 | $ 1,059,000 | $ 117,000 | $ 71,000 |
| Pike County Ohio | 9 | $ 1,765,000 | $ 196,000 | $ 94,000 |
| Columbiana County Ohio | 8 | $ 778,000 | $ 97,000 | $ 62,000 |
| Adair County Kentucky | 7 | $ 565,000 | $ 80,000 | $ 51,000 |
| Cumberland County Kentucky | 7 | $ 769,000 | $ 109,000 | $ 138,000 |
| Wayne County Kentucky | 7 | $ 839,000 | $ 119,000 | $ 81,000 |
| Washington County Ohio | 7 | $ 680,000 | $ 97,000 | $ 74,000 |
| Chittenden County Vermont | 7 | $ 1,489,000 | $ 212,000 | $ 99,000 |
| Kanawha County West Virginia | 7 | $ 826,000 | $ 118,000 | $ 92,000 |
| Allen County Kentucky | 6 | $ 693,000 | $ 115,000 | $ 57,000 |
| Casey County Kentucky | 6 | $ 975,000 | $ 162,000 | $ 51,000 |
| Madison County Kentucky | 6 | $ 1,153,000 | $ 192,000 | $ 107,000 |
| Menifee County Kentucky | 6 | $ 486,000 | $ 81,000 | $ 57,000 |
| Mason County West Virginia | 6 | $ 687,000 | $ 114,000 | $ 63,000 |
| Green County Kentucky | 5 | $ 507,000 | $ 101,000 | $ 56,000 |
| Allen County Ohio | 5 | $ 811,000 | $ 162,000 | $ 74,000 |
| Belmont County Ohio | 5 | $ 527,000 | $ 105,000 | $ 66,000 |
| Fulton County Ohio | 5 | $ 618,000 | $ 123,000 | $ 53,000 |
| Lincoln County West Virginia | 5 | $ 459,000 | $ 91,000 | $ 58,000 |
| Vanderburgh County Indiana | 4 | $ 460,000 | $ 115,000 | $ 64,000 |
| Jefferson County Kentucky | 4 | $ 1,053,000 | $ 263,000 | $ 406,000 |
| Jessamine County Kentucky | 4 | $ 896,000 | $ 224,000 | $ 137,000 |
| Woodford County Kentucky | 4 | $ 793,000 | $ 198,000 | $ 162,000 |
| Licking County Ohio | 4 | $ 564,000 | $ 141,000 | $ 52,000 |
| Pike County Indiana | 3 | $ 414,000 | $ 138,000 | $ 96,000 |
| Boyd County Kentucky | 3 | $ 559,000 | $ 186,000 | $ 118,000 |
| Laurel County Kentucky | 3 | $ 353,000 | $ 117,000 | $ 50,000 |
| Marshall County Kentucky | 3 | $ 655,000 | $ 218,000 | $ 127,000 |
| Rowan County Kentucky | 3 | $ 336,000 | $ 112,000 | $ 46,000 |
| Russell County Kentucky | 3 | $ 350,000 | $ 116,000 | $ 40,000 |
| Scott County Kentucky | 3 | $ 730,000 | $ 243,000 | $ 130,000 |
| Kent County Michigan | 3 | $ 300,000 | $ 100,000 | $ 58,000 |
| Geauga County Ohio | 3 | $ 379,000 | $ 126,000 | $ 114,000 |
| Portage County Ohio | 3 | $ 398,000 | $ 132,000 | $ 83,000 |
| Horry County South Carolina | 3 | $ 912,000 | $ 304,000 | $ 571,000 |
| Crawford County Indiana | 2 | $ 220,000 | $ 110,000 | $ 106,000 |
| Hamilton County Indiana | 2 | $ 408,000 | $ 204,000 | $ 88,000 |
| Marion County Indiana | 2 | $ 196,000 | $ 98,000 | $ 52,000 |
| Bath County Kentucky | 2 | $ 366,000 | $ 183,000 | $ 76,000 |
| Butler County Kentucky | 2 | $ 142,000 | $ 71,000 | $ 31,000 |
| McCreary County Kentucky | 2 | $ 149,000 | $ 74,000 | $ 45,000 |
| Rockcastle County Kentucky | 2 | $ 142,000 | $ 71,000 | $ 96,000 |
| Lapeer County Michigan | 2 | $ 114,000 | $ 57,000 | $ 29,000 |
| Mecosta County Michigan | 2 | $ 188,000 | $ 94,000 | $ 84,000 |
| Nassau County New York | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Mecklenburg County North Carolina | 2 | $ 393,000 | $ 196,000 | $ 105,000 |
| Clermont County Ohio | 2 | $ 200,000 | $ 100,000 | $ 41,000 |
| Delaware County Ohio | 2 | $ 515,000 | $ 257,000 | $ 91,000 |
| Franklin County Ohio | 2 | $ 185,000 | $ 92,000 | $ 41,000 |
| Jackson County Ohio | 2 | $ 129,000 | $ 64,000 | $ 52,000 |
| Meigs County Ohio | 2 | $ 252,000 | $ 126,000 | $ 92,000 |
| Mercer County Ohio | 2 | $ 311,000 | $ 155,000 | $ 65,000 |
| Vinton County Ohio | 2 | $ 279,000 | $ 139,000 | $ 40,000 |
| Williams County Ohio | 2 | $ 156,000 | $ 78,000 | $ 76,000 |
| Wood County Ohio | 2 | $ 317,000 | $ 158,000 | $ 126,000 |
| Cumberland County Pennsylvania | 2 | $ 104,000 | $ 52,000 | $ 99,000 |
| Franklin County Vermont | 2 | $ 577,000 | $ 288,000 | $ 82,000 |
| Wood County West Virginia | 2 | $ 198,000 | $ 99,000 | $ 70,000 |
| Winston County Alabama | 1 | $ 160,000 | $ 160,000 | $ 22,000 |
| Alameda County California | 1 | $ 440,000 | $ 440,000 | $ 100,000 |
| San Francisco County California | 1 | $ 555,000 | $ 555,000 | $ 130,000 |
| Middlesex County Connecticut | 1 | $ 385,000 | $ 385,000 | $ 91,000 |
| Broward County Florida | 1 | $ 406,000 | $ 406,000 | $ 144,000 |
| Citrus County Florida | 1 | $ 49,000 | $ 49,000 | $ 78,000 |
| Collier County Florida | 1 | $ 531,000 | $ 531,000 | $ 279,000 |
| Manatee County Florida | 1 | $ 355,000 | $ 355,000 | $ 714,000 |
| Daviess County Indiana | 1 | $ 166,000 | $ 166,000 | $ 120,000 |
| Martin County Indiana | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Perry County Indiana | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Steuben County Indiana | 1 | $ 70,000 | $ 70,000 | $ 162,000 |
| Warrick County Indiana | 1 | $ 123,000 | $ 123,000 | $ 56,000 |
| Boyle County Kentucky | 1 | $ 107,000 | $ 107,000 | $ 57,000 |
| Campbell County Kentucky | 1 | $ 218,000 | $ 218,000 | $ 72,000 |
| Carroll County Kentucky | 1 | $ 87,000 | $ 87,000 | $ 54,000 |
| Daviess County Kentucky | 1 | $ 137,000 | $ 137,000 | $ 48,000 |
| Edmonson County Kentucky | 1 | $ 84,000 | $ 84,000 | $ 83,000 |
| Fleming County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 33,000 |
| Franklin County Kentucky | 1 | $ 97,000 | $ 97,000 | $ 54,000 |
| Greenup County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 23,000 |
| Hardin County Kentucky | 1 | $ 268,000 | $ 268,000 | $ 81,000 |
| Henderson County Kentucky | 1 | $ 97,000 | $ 97,000 | $ 71,000 |
| Lawrence County Kentucky | 1 | $ 96,000 | $ 96,000 | $ 87,000 |
| Lincoln County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 63,000 |
| Livingston County Kentucky | 1 | $ 54,000 | $ 54,000 | $ 57,000 |
| Logan County Kentucky | 1 | $ 134,000 | $ 134,000 | $ 91,000 |
| Lyon County Kentucky | 1 | $ 162,000 | $ 162,000 | $ 18,000 |
| Taylor County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 59,000 |
| Kent County Maryland | 1 | $ 74,000 | $ 74,000 | $ 94,000 |
| Queen Anne's County Maryland | 1 | $ 179,000 | $ 179,000 | $ 91,000 |
| Washington County Maryland | 1 | $ 166,000 | $ 166,000 | $ 124,000 |
| Genesee County Michigan | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Gladwin County Michigan | 1 | $ 44,000 | $ 44,000 | $ 44,000 |
| Hillsdale County Michigan | 1 | $ 80,000 | $ 80,000 | $ 150,000 |
| Lenawee County Michigan | 1 | $ 222,000 | $ 222,000 | $ 67,000 |
| Muskegon County Michigan | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Oakland County Michigan | 1 | $ 172,000 | $ 172,000 | $ 42,000 |
| Saginaw County Michigan | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Jackson County Missouri | 1 | $ 404,000 | $ 404,000 | $ 510,000 |
| Suffolk County New York | 1 | $ 417,000 | $ 417,000 | $ 110,000 |
| Brunswick County North Carolina | 1 | $ 238,000 | $ 238,000 | $ 219,000 |
| Lincoln County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 53,000 |
| Ashtabula County Ohio | 1 | $ 165,000 | $ 165,000 | $ 207,000 |
| Brown County Ohio | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Darke County Ohio | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Fairfield County Ohio | 1 | $ 62,000 | $ 62,000 | $ 115,000 |
| Hancock County Ohio | 1 | $ 141,000 | $ 141,000 | $ 61,000 |
| Hardin County Ohio | 1 | $ 92,000 | $ 92,000 | $ 63,000 |
| Harrison County Ohio | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Knox County Ohio | 1 | $ 142,000 | $ 142,000 | $ 144,000 |
| Lake County Ohio | 1 | $ 52,000 | $ 52,000 | $ 109,000 |
| Logan County Ohio | 1 | $ 164,000 | $ 164,000 | $ 73,000 |
| Lorain County Ohio | 1 | $ 390,000 | $ 390,000 | $ 156,000 |
| Lucas County Ohio | 1 | $ 160,000 | $ 160,000 | $ 59,000 |
| Monroe County Ohio | 1 | $ 52,000 | $ 52,000 | $ 29,000 |
| Ross County Ohio | 1 | $ 69,000 | $ 69,000 | $ 46,000 |
| Warren County Ohio | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Wyandot County Ohio | 1 | $ 74,000 | $ 74,000 | $ 54,000 |
| Lycoming County Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 80,000 |
| Davidson County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Knox County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Scott County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 67,000 |
| Addison County Vermont | 1 | $ 150,000 | $ 150,000 | $ 257,000 |
| Grand Isle County Vermont | 1 | $ 405,000 | $ 405,000 | $ 108,000 |
| Lamoille County Vermont | 1 | $ 200,000 | $ 200,000 | $ 51,000 |
| Rutland County Vermont | 1 | $ 153,000 | $ 153,000 | $ 63,000 |
| Fairfax County Virginia | 1 | $ 210,000 | $ 210,000 | $ 119,000 |
| Berkeley County West Virginia | 1 | $ 130,000 | $ 130,000 | $ 180,000 |
| Greenbrier County West Virginia | 1 | $ 417,000 | $ 417,000 | $ 992,000 |
| Hampshire County West Virginia | 1 | $ 327,000 | $ 327,000 | $ 65,000 |
| Harrison County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 80,000 |
| Mercer County West Virginia | 1 | $ 154,000 | $ 154,000 | $ 196,000 |
| Pendleton County West Virginia | 1 | $ 187,000 | $ 187,000 | $ 76,000 |
| Summers County West Virginia | 1 | $ 249,000 | $ 249,000 | $ 117,000 |
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 | 1,233 | $186,265,000 | $151,000 | $555,000 | $93,000 | $1,127,000 |
| Home Purchase | 326 | $41,358,000 | $126,000 | $531,000 | $77,000 | $714,000 |
| Home Improvement | 4 | $517,000 | $129,000 | $385,000 | $48,000 | $94,000 |
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 | 1,513 | $219,722,000 | $145,000 | $555,000 | $89,000 | $1,127,000 |
| Not Provided | 22 | $3,953,000 | $179,000 | $440,000 | $105,000 | $357,000 |
| Hispanic | 12 | $1,630,000 | $135,000 | $360,000 | $54,000 | $83,000 |
| Black or African American | 7 | $1,199,000 | $171,000 | $407,000 | $83,000 | $133,000 |
| Asian | 5 | $1,359,000 | $271,000 | $417,000 | $94,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $217,000 | $72,000 | $119,000 | $42,000 | $74,000 |
| Not applicable | 1 | $60,000 | $60,000 | $60,000 | $69,000 | $69,000 |
| 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) | 1,481 | $220,046,000 | $148,000 | $555,000 | $92,000 | $1,127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $7,795,000 | $98,000 | $203,000 | $45,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 3 | $299,000 | $99,000 | $144,000 | $55,000 | $77,000 |
| 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 | 1,295 | $192,026,000 | $148,000 | $555,000 | $92,000 | $1,127,000 |
| Application Denied By Financial Institution | 112 | $14,127,000 | $126,000 | $472,000 | $64,000 | $513,000 |
| Application Approved But Not Accepted | 98 | $14,044,000 | $143,000 | $417,000 | $86,000 | $433,000 |
| Application Withdrawn By Applicant | 33 | $4,531,000 | $137,000 | $305,000 | $74,000 | $153,000 |
| File Closed For Incompleteness | 25 | $3,412,000 | $136,000 | $354,000 | $95,000 | $268,000 |
| 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 |
|---|---|---|---|---|---|---|
| Employment History | 1 | $215,000 | $215,000 | $215,000 | $52,000 | $52,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2009 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.
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with aggregated HMDA statistics today.