The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
The First State Bank 2011 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 | 985 |
| Total Mortgage Loan Application Amount | $139,968,000 |
| Average Mortgage Loan Application Amount | $134,500 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $1,179,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 196 | $ 28,043,000 | $ 143,000 | $ 108,000 |
| Putnam County Ohio | 56 | $ 8,275,000 | $ 147,000 | $ 82,000 |
| Pulaski County Kentucky | 49 | $ 6,093,000 | $ 124,000 | $ 81,000 |
| Putnam County West Virginia | 45 | $ 9,059,000 | $ 201,000 | $ 121,000 |
| Muskingum County Ohio | 41 | $ 5,368,000 | $ 130,000 | $ 72,000 |
| Fayette County Kentucky | 36 | $ 7,590,000 | $ 210,000 | $ 178,000 |
| Stark County Ohio | 26 | $ 3,256,000 | $ 125,000 | $ 83,000 |
| Montgomery County Kentucky | 25 | $ 3,659,000 | $ 146,000 | $ 80,000 |
| Noble County Ohio | 23 | $ 2,238,000 | $ 97,000 | $ 62,000 |
| Auglaize County Ohio | 20 | $ 2,721,000 | $ 136,000 | $ 87,000 |
| Defiance County Ohio | 20 | $ 2,078,000 | $ 103,000 | $ 66,000 |
| Perry County Ohio | 20 | $ 2,246,000 | $ 112,000 | $ 67,000 |
| Washington County Ohio | 20 | $ 2,490,000 | $ 124,000 | $ 81,000 |
| Dubois County Indiana | 19 | $ 2,713,000 | $ 142,000 | $ 70,000 |
| Kanawha County West Virginia | 18 | $ 2,242,000 | $ 124,000 | $ 89,000 |
| Graves County Kentucky | 17 | $ 2,330,000 | $ 137,000 | $ 99,000 |
| Lawrence County Ohio | 17 | $ 3,215,000 | $ 189,000 | $ 112,000 |
| Hocking County Ohio | 15 | $ 1,878,000 | $ 125,000 | $ 72,000 |
| Shelby County Ohio | 15 | $ 2,182,000 | $ 145,000 | $ 82,000 |
| Wayne County West Virginia | 14 | $ 2,705,000 | $ 193,000 | $ 122,000 |
| Kalamazoo County Michigan | 13 | $ 1,348,000 | $ 103,000 | $ 60,000 |
| Knox County Kentucky | 12 | $ 1,505,000 | $ 125,000 | $ 82,000 |
| Morgan County Ohio | 12 | $ 1,439,000 | $ 119,000 | $ 76,000 |
| Guernsey County Ohio | 11 | $ 1,312,000 | $ 119,000 | $ 55,000 |
| Bourbon County Kentucky | 10 | $ 1,424,000 | $ 142,000 | $ 100,000 |
| Clark County Kentucky | 9 | $ 1,623,000 | $ 180,000 | $ 101,000 |
| Athens County Ohio | 9 | $ 1,408,000 | $ 156,000 | $ 75,000 |
| Henry County Ohio | 9 | $ 771,000 | $ 85,000 | $ 62,000 |
| Carroll County Ohio | 7 | $ 759,000 | $ 108,000 | $ 59,000 |
| Columbiana County Ohio | 7 | $ 575,000 | $ 82,000 | $ 45,000 |
| Spencer County Indiana | 6 | $ 480,000 | $ 80,000 | $ 53,000 |
| Cumberland County Kentucky | 6 | $ 610,000 | $ 101,000 | $ 62,000 |
| Warren County Kentucky | 6 | $ 908,000 | $ 151,000 | $ 59,000 |
| Clinton County Kentucky | 5 | $ 531,000 | $ 106,000 | $ 92,000 |
| Trigg County Kentucky | 5 | $ 609,000 | $ 121,000 | $ 57,000 |
| Allen County Ohio | 5 | $ 690,000 | $ 138,000 | $ 95,000 |
| Ottawa County Ohio | 5 | $ 1,110,000 | $ 222,000 | $ 153,000 |
| Osceola County Michigan | 4 | $ 330,000 | $ 82,000 | $ 44,000 |
| Tuscola County Michigan | 4 | $ 463,000 | $ 115,000 | $ 63,000 |
| Horry County South Carolina | 4 | $ 967,000 | $ 241,000 | $ 421,000 |
| Mason County West Virginia | 4 | $ 780,000 | $ 195,000 | $ 81,000 |
| Adair County Kentucky | 3 | $ 340,000 | $ 113,000 | $ 38,000 |
| Boyd County Kentucky | 3 | $ 417,000 | $ 139,000 | $ 126,000 |
| Hart County Kentucky | 3 | $ 153,000 | $ 51,000 | $ 32,000 |
| Wayne County Kentucky | 3 | $ 748,000 | $ 249,000 | $ 82,000 |
| Woodford County Kentucky | 3 | $ 756,000 | $ 252,000 | $ 68,000 |
| Van Buren County Michigan | 3 | $ 408,000 | $ 136,000 | $ 67,000 |
| Coshocton County Ohio | 3 | $ 201,000 | $ 67,000 | $ 29,000 |
| Franklin County Ohio | 3 | $ 253,000 | $ 84,000 | $ 133,000 |
| Hancock County Ohio | 3 | $ 292,000 | $ 97,000 | $ 60,000 |
| Licking County Ohio | 3 | $ 308,000 | $ 102,000 | $ 77,000 |
| Paulding County Ohio | 3 | $ 264,000 | $ 88,000 | $ 51,000 |
| Jackson County West Virginia | 3 | $ 726,000 | $ 242,000 | $ 93,000 |
| Lincoln County West Virginia | 3 | $ 317,000 | $ 105,000 | $ 73,000 |
| Raleigh County West Virginia | 3 | $ 847,000 | $ 282,000 | $ 287,000 |
| Wood County West Virginia | 3 | $ 437,000 | $ 145,000 | $ 138,000 |
| Barren County Kentucky | 2 | $ 135,000 | $ 67,000 | $ 70,000 |
| Calloway County Kentucky | 2 | $ 217,000 | $ 108,000 | $ 50,000 |
| Jefferson County Kentucky | 2 | $ 347,000 | $ 173,000 | $ 102,000 |
| Laurel County Kentucky | 2 | $ 157,000 | $ 78,000 | $ 46,000 |
| Madison County Kentucky | 2 | $ 289,000 | $ 144,000 | $ 161,000 |
| Rowan County Kentucky | 2 | $ 247,000 | $ 123,000 | $ 71,000 |
| Kent County Maryland | 2 | $ 287,000 | $ 143,000 | $ 76,000 |
| Kent County Michigan | 2 | $ 342,000 | $ 171,000 | $ 141,000 |
| Lake County Michigan | 2 | $ 177,000 | $ 88,000 | $ 36,000 |
| Manistee County Michigan | 2 | $ 138,000 | $ 69,000 | $ 103,000 |
| St. Joseph County Michigan | 2 | $ 335,000 | $ 167,000 | $ 63,000 |
| Belmont County Ohio | 2 | $ 174,000 | $ 87,000 | $ 45,000 |
| Tuscarawas County Ohio | 2 | $ 158,000 | $ 79,000 | $ 43,000 |
| Union County Ohio | 2 | $ 288,000 | $ 144,000 | $ 81,000 |
| Cumberland County Pennsylvania | 2 | $ 412,000 | $ 206,000 | $ 59,000 |
| Clay County Florida | 1 | $ 226,000 | $ 226,000 | $ 265,000 |
| Manatee County Florida | 1 | $ 351,000 | $ 351,000 | $ 761,000 |
| St. Johns County Florida | 1 | $ 100,000 | $ 100,000 | $ 155,000 |
| Volusia County Florida | 1 | $ 98,000 | $ 98,000 | $ 485,000 |
| Cobb County Georgia | 1 | $ 67,000 | $ 67,000 | $ 28,000 |
| Perry County Indiana | 1 | $ 77,000 | $ 77,000 | $ 25,000 |
| Warrick County Indiana | 1 | $ 81,000 | $ 81,000 | $ 35,000 |
| Bath County Kentucky | 1 | $ 129,000 | $ 129,000 | $ 120,000 |
| Bell County Kentucky | 1 | $ 351,000 | $ 351,000 | $ 265,000 |
| Boyle County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 111,000 |
| Butler County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 103,000 |
| Garrard County Kentucky | 1 | $ 67,000 | $ 67,000 | $ 71,000 |
| Green County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Greenup County Kentucky | 1 | $ 86,000 | $ 86,000 | $ 65,000 |
| Jessamine County Kentucky | 1 | $ 181,000 | $ 181,000 | $ 113,000 |
| Lawrence County Kentucky | 1 | $ 88,000 | $ 88,000 | $ 66,000 |
| Lincoln County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 42,000 |
| Marshall County Kentucky | 1 | $ 400,000 | $ 400,000 | $ 1,179,000 |
| Menifee County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 66,000 |
| Monroe County Kentucky | 1 | $ 107,000 | $ 107,000 | $ 53,000 |
| Taylor County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 113,000 |
| Allegan County Michigan | 1 | $ 69,000 | $ 69,000 | $ 84,000 |
| Huron County Michigan | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Jackson County Michigan | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Lapeer County Michigan | 1 | $ 79,000 | $ 79,000 | $ 24,000 |
| Mecosta County Michigan | 1 | $ 110,000 | $ 110,000 | $ 99,000 |
| Muskegon County Michigan | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Newaygo County Michigan | 1 | $ 112,000 | $ 112,000 | $ 151,000 |
| Ogemaw County Michigan | 1 | $ 118,000 | $ 118,000 | $ 61,000 |
| Wayne County Michigan | 1 | $ 268,000 | $ 268,000 | $ 121,000 |
| Wexford County Michigan | 1 | $ 68,000 | $ 68,000 | $ 51,000 |
| Burke County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| New Hanover County North Carolina | 1 | $ 207,000 | $ 207,000 | $ 277,000 |
| Ashtabula County Ohio | 1 | $ 142,000 | $ 142,000 | $ 59,000 |
| Delaware County Ohio | 1 | $ 232,000 | $ 232,000 | $ 148,000 |
| Erie County Ohio | 1 | $ 91,000 | $ 91,000 | $ 88,000 |
| Geauga County Ohio | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Jefferson County Ohio | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Medina County Ohio | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Mercer County Ohio | 1 | $ 156,000 | $ 156,000 | $ 42,000 |
| Ross County Ohio | 1 | $ 147,000 | $ 147,000 | $ 39,000 |
| Summit County Ohio | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Trumbull County Ohio | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Warren County Ohio | 1 | $ 84,000 | $ 84,000 | $ 52,000 |
| Wayne County Ohio | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Wood County Ohio | 1 | $ 216,000 | $ 216,000 | $ 114,000 |
| Wyandot County Ohio | 1 | $ 84,000 | $ 84,000 | $ 29,000 |
| Franklin County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 57,000 |
| Luzerne County Pennsylvania | 1 | $ 134,000 | $ 134,000 | $ 78,000 |
| Washington County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 317,000 |
| Charleston County South Carolina | 1 | $ 228,000 | $ 228,000 | $ 80,000 |
| Lexington County South Carolina | 1 | $ 144,000 | $ 144,000 | $ 68,000 |
| Jefferson County Tennessee | 1 | $ 221,000 | $ 221,000 | $ 125,000 |
| Sullivan County Tennessee | 1 | $ 167,000 | $ 167,000 | $ 77,000 |
| Sumner County Tennessee | 1 | $ 312,000 | $ 312,000 | $ 125,000 |
| Loudoun County Virginia | 1 | $ 116,000 | $ 116,000 | $ 70,000 |
| Virginia Beach County Virginia | 1 | $ 348,000 | $ 348,000 | $ 161,000 |
| Boone County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Greenbrier County West Virginia | 1 | $ 407,000 | $ 407,000 | $ 992,000 |
| Marshall County West Virginia | 1 | $ 120,000 | $ 120,000 | $ 98,000 |
| Nicholas County West Virginia | 1 | $ 161,000 | $ 161,000 | $ 44,000 |
| Ohio County West Virginia | 1 | $ 176,000 | $ 176,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2011
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 | 744 | $110,641,000 | $148,000 | $417,000 | $103,000 | $1,179,000 |
| Home Purchase | 241 | $29,327,000 | $121,000 | $417,000 | $77,000 | $701,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 931 | $131,343,000 | $141,000 | $417,000 | $95,000 | $1,179,000 |
| Not Provided | 36 | $5,850,000 | $162,000 | $417,000 | $140,000 | $490,000 |
| Hispanic | 9 | $792,000 | $88,000 | $166,000 | $47,000 | $152,000 |
| Asian | 5 | $1,046,000 | $209,000 | $417,000 | $100,000 | $234,000 |
| Black or African American | 3 | $705,000 | $235,000 | $396,000 | $76,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $232,000 | $232,000 | $232,000 | $121,000 | $121,000 |
| Not applicable | 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) | 965 | $137,894,000 | $142,000 | $417,000 | $97,000 | $1,179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,074,000 | $103,000 | $271,000 | $50,000 | $74,000 |
| 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 | 752 | $107,502,000 | $142,000 | $417,000 | $100,000 | $1,179,000 |
| Application Denied By Financial Institution | 103 | $13,832,000 | $134,000 | $417,000 | $64,000 | $538,000 |
| Application Approved But Not Accepted | 56 | $7,621,000 | $136,000 | $417,000 | $96,000 | $427,000 |
| Application Withdrawn By Applicant | 51 | $7,028,000 | $137,000 | $410,000 | $99,000 | $513,000 |
| File Closed For Incompleteness | 23 | $3,985,000 | $173,000 | $417,000 | $107,000 | $480,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $73,000 | $73,000 | $73,000 | $102,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $84,000 | $84,000 | $84,000 | $59,000 | $59,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2011 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.