The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
The First State Bank 2012 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 | 1,315 |
| Total Mortgage Loan Application Amount | $195,863,000 |
| Average Mortgage Loan Application Amount | $108,333 |
| Highest Mortgage Loan Application Amount | $437,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $1,379,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 172 | $ 25,299,000 | $ 147,000 | $ 99,000 |
| Fayette County Kentucky | 100 | $ 22,286,000 | $ 222,000 | $ 173,000 |
| Putnam County West Virginia | 85 | $ 15,360,000 | $ 180,000 | $ 117,000 |
| Montgomery County Kentucky | 65 | $ 7,808,000 | $ 120,000 | $ 85,000 |
| Putnam County Ohio | 64 | $ 10,072,000 | $ 157,000 | $ 86,000 |
| Muskingum County Ohio | 60 | $ 8,268,000 | $ 137,000 | $ 83,000 |
| Pulaski County Kentucky | 54 | $ 7,420,000 | $ 137,000 | $ 81,000 |
| Auglaize County Ohio | 45 | $ 6,613,000 | $ 146,000 | $ 84,000 |
| Noble County Ohio | 35 | $ 3,948,000 | $ 112,000 | $ 72,000 |
| Kanawha County West Virginia | 35 | $ 4,285,000 | $ 122,000 | $ 80,000 |
| Bourbon County Kentucky | 34 | $ 5,712,000 | $ 168,000 | $ 97,000 |
| Graves County Kentucky | 32 | $ 3,767,000 | $ 117,000 | $ 78,000 |
| Stark County Ohio | 26 | $ 2,982,000 | $ 114,000 | $ 71,000 |
| Clark County Kentucky | 25 | $ 4,328,000 | $ 173,000 | $ 110,000 |
| Perry County Ohio | 21 | $ 2,846,000 | $ 135,000 | $ 72,000 |
| Lawrence County Ohio | 20 | $ 3,352,000 | $ 167,000 | $ 132,000 |
| Dubois County Indiana | 19 | $ 2,560,000 | $ 134,000 | $ 70,000 |
| Washington County Ohio | 17 | $ 2,332,000 | $ 137,000 | $ 74,000 |
| Wayne County West Virginia | 17 | $ 2,231,000 | $ 131,000 | $ 111,000 |
| Ottawa County Ohio | 15 | $ 3,149,000 | $ 209,000 | $ 145,000 |
| Shelby County Ohio | 15 | $ 2,046,000 | $ 136,000 | $ 103,000 |
| Kalamazoo County Michigan | 14 | $ 1,847,000 | $ 131,000 | $ 79,000 |
| Defiance County Ohio | 14 | $ 1,634,000 | $ 116,000 | $ 73,000 |
| Cumberland County Kentucky | 12 | $ 1,397,000 | $ 116,000 | $ 77,000 |
| Columbiana County Ohio | 11 | $ 1,042,000 | $ 94,000 | $ 70,000 |
| Guernsey County Ohio | 11 | $ 1,187,000 | $ 107,000 | $ 51,000 |
| Morgan County Ohio | 10 | $ 1,061,000 | $ 106,000 | $ 63,000 |
| Adair County Kentucky | 9 | $ 785,000 | $ 87,000 | $ 84,000 |
| Barren County Kentucky | 9 | $ 951,000 | $ 105,000 | $ 68,000 |
| Clinton County Kentucky | 9 | $ 1,212,000 | $ 134,000 | $ 57,000 |
| Knox County Kentucky | 9 | $ 1,283,000 | $ 142,000 | $ 103,000 |
| Carroll County Ohio | 9 | $ 865,000 | $ 96,000 | $ 73,000 |
| Athens County Ohio | 8 | $ 1,246,000 | $ 155,000 | $ 90,000 |
| Calloway County Kentucky | 7 | $ 1,145,000 | $ 163,000 | $ 132,000 |
| Hart County Kentucky | 7 | $ 702,000 | $ 100,000 | $ 68,000 |
| Trigg County Kentucky | 7 | $ 949,000 | $ 135,000 | $ 72,000 |
| Jessamine County Kentucky | 6 | $ 1,523,000 | $ 253,000 | $ 156,000 |
| Warren County Kentucky | 6 | $ 1,181,000 | $ 196,000 | $ 122,000 |
| Osceola County Michigan | 6 | $ 707,000 | $ 117,000 | $ 58,000 |
| Allen County Ohio | 6 | $ 822,000 | $ 137,000 | $ 67,000 |
| Hocking County Ohio | 6 | $ 716,000 | $ 119,000 | $ 54,000 |
| Licking County Ohio | 6 | $ 922,000 | $ 153,000 | $ 98,000 |
| Mason County West Virginia | 6 | $ 996,000 | $ 166,000 | $ 67,000 |
| Boyd County Kentucky | 5 | $ 629,000 | $ 125,000 | $ 101,000 |
| Wayne County Kentucky | 5 | $ 842,000 | $ 168,000 | $ 203,000 |
| St. Joseph County Michigan | 5 | $ 650,000 | $ 130,000 | $ 144,000 |
| Hancock County Ohio | 5 | $ 632,000 | $ 126,000 | $ 79,000 |
| Scott County Kentucky | 4 | $ 686,000 | $ 171,000 | $ 105,000 |
| Newaygo County Michigan | 4 | $ 530,000 | $ 132,000 | $ 58,000 |
| Belmont County Ohio | 4 | $ 536,000 | $ 134,000 | $ 56,000 |
| Paulding County Ohio | 4 | $ 407,000 | $ 101,000 | $ 93,000 |
| Palm Beach County Florida | 3 | $ 694,000 | $ 231,000 | $ 571,000 |
| Harrison County Kentucky | 3 | $ 388,000 | $ 129,000 | $ 60,000 |
| Madison County Kentucky | 3 | $ 507,000 | $ 169,000 | $ 97,000 |
| McCracken County Kentucky | 3 | $ 517,000 | $ 172,000 | $ 160,000 |
| Kent County Michigan | 3 | $ 298,000 | $ 99,000 | $ 61,000 |
| Lake County Michigan | 3 | $ 345,000 | $ 115,000 | $ 57,000 |
| Mercer County Ohio | 3 | $ 585,000 | $ 195,000 | $ 75,000 |
| Horry County South Carolina | 3 | $ 866,000 | $ 288,000 | $ 413,000 |
| Lincoln County West Virginia | 3 | $ 233,000 | $ 77,000 | $ 28,000 |
| Broward County Florida | 2 | $ 579,000 | $ 289,000 | $ 317,000 |
| Volusia County Florida | 2 | $ 243,000 | $ 121,000 | $ 112,000 |
| Pike County Indiana | 2 | $ 399,000 | $ 199,000 | $ 110,000 |
| Kenton County Kentucky | 2 | $ 322,000 | $ 161,000 | $ 103,000 |
| Mercer County Kentucky | 2 | $ 139,000 | $ 69,000 | $ 109,000 |
| Rockcastle County Kentucky | 2 | $ 244,000 | $ 122,000 | $ 121,000 |
| Russell County Kentucky | 2 | $ 261,000 | $ 130,000 | $ 69,000 |
| Frederick County Maryland | 2 | $ 232,000 | $ 116,000 | $ 81,000 |
| Kent County Maryland | 2 | $ 380,000 | $ 190,000 | $ 113,000 |
| Cass County Michigan | 2 | $ 90,000 | $ 45,000 | $ 42,000 |
| Lapeer County Michigan | 2 | $ 180,000 | $ 90,000 | $ 55,000 |
| Tuscola County Michigan | 2 | $ 229,000 | $ 114,000 | $ 61,000 |
| Van Buren County Michigan | 2 | $ 136,000 | $ 68,000 | $ 47,000 |
| Fairfield County Ohio | 2 | $ 136,000 | $ 68,000 | $ 59,000 |
| Huron County Ohio | 2 | $ 155,000 | $ 77,000 | $ 64,000 |
| Logan County Ohio | 2 | $ 486,000 | $ 243,000 | $ 133,000 |
| Lucas County Ohio | 2 | $ 366,000 | $ 183,000 | $ 83,000 |
| Mahoning County Ohio | 2 | $ 314,000 | $ 157,000 | $ 107,000 |
| Pike County Ohio | 2 | $ 475,000 | $ 237,000 | $ 125,000 |
| Ross County Ohio | 2 | $ 196,000 | $ 98,000 | $ 72,000 |
| Tuscarawas County Ohio | 2 | $ 174,000 | $ 87,000 | $ 88,000 |
| Williams County Ohio | 2 | $ 215,000 | $ 107,000 | $ 98,000 |
| Ohio County West Virginia | 2 | $ 479,000 | $ 239,000 | $ 222,000 |
| Wood County West Virginia | 2 | $ 240,000 | $ 120,000 | $ 59,000 |
| Pinellas County Florida | 1 | $ 417,000 | $ 417,000 | $ 195,000 |
| St. Johns County Florida | 1 | $ 185,000 | $ 185,000 | $ 461,000 |
| Spencer County Indiana | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Vanderburgh County Indiana | 1 | $ 118,000 | $ 118,000 | $ 39,000 |
| Warrick County Indiana | 1 | $ 53,000 | $ 53,000 | $ 59,000 |
| Allen County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 46,000 |
| Ballard County Kentucky | 1 | $ 192,000 | $ 192,000 | $ 119,000 |
| Bath County Kentucky | 1 | $ 76,000 | $ 76,000 | $ 27,000 |
| Carroll County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Green County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 55,000 |
| Hickman County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 82,000 |
| Jefferson County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 248,000 |
| Lincoln County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 33,000 |
| Menifee County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Nelson County Kentucky | 1 | $ 260,000 | $ 260,000 | $ 184,000 |
| Ohio County Kentucky | 1 | $ 94,000 | $ 94,000 | $ 99,000 |
| Oldham County Kentucky | 1 | $ 342,000 | $ 342,000 | $ 238,000 |
| Taylor County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 110,000 |
| Woodford County Kentucky | 1 | $ 288,000 | $ 288,000 | $ 81,000 |
| Allegan County Michigan | 1 | $ 122,000 | $ 122,000 | $ 78,000 |
| Huron County Michigan | 1 | $ 52,000 | $ 52,000 | $ 16,000 |
| Ionia County Michigan | 1 | $ 102,000 | $ 102,000 | $ 100,000 |
| Jackson County Michigan | 1 | $ 89,000 | $ 89,000 | $ 87,000 |
| Ottawa County Michigan | 1 | $ 119,000 | $ 119,000 | $ 148,000 |
| Jackson County Missouri | 1 | $ 377,000 | $ 377,000 | $ 530,000 |
| Ashtabula County Ohio | 1 | $ 167,000 | $ 167,000 | $ 196,000 |
| Coshocton County Ohio | 1 | $ 120,000 | $ 120,000 | $ 67,000 |
| Cuyahoga County Ohio | 1 | $ 236,000 | $ 236,000 | $ 84,000 |
| Delaware County Ohio | 1 | $ 106,000 | $ 106,000 | $ 71,000 |
| Erie County Ohio | 1 | $ 122,000 | $ 122,000 | $ 83,000 |
| Franklin County Ohio | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Henry County Ohio | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Holmes County Ohio | 1 | $ 121,000 | $ 121,000 | $ 66,000 |
| Meigs County Ohio | 1 | $ 119,000 | $ 119,000 | $ 155,000 |
| Miami County Ohio | 1 | $ 124,000 | $ 124,000 | $ 153,000 |
| Morrow County Ohio | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Portage County Ohio | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Bradford County Pennsylvania | 1 | $ 118,000 | $ 118,000 | $ 17,000 |
| Lancaster County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 83,000 |
| Charleston County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Newberry County South Carolina | 1 | $ 103,000 | $ 103,000 | $ 101,000 |
| Hamilton County Tennessee | 1 | $ 279,000 | $ 279,000 | $ 125,000 |
| Norfolk County Virginia | 1 | $ 63,000 | $ 63,000 | $ 77,000 |
| Greenbrier County West Virginia | 1 | $ 408,000 | $ 408,000 | $ 659,000 |
| Harrison County West Virginia | 1 | $ 195,000 | $ 195,000 | $ 161,000 |
| Jackson County West Virginia | 1 | $ 316,000 | $ 316,000 | $ 134,000 |
| Pendleton County West Virginia | 1 | $ 183,000 | $ 183,000 | $ 97,000 |
| Raleigh County West Virginia | 1 | $ 181,000 | $ 181,000 | $ 92,000 |
| Summers County West Virginia | 1 | $ 203,000 | $ 203,000 | $ 169,000 |
| Tyler County West Virginia | 1 | $ 104,000 | $ 104,000 | $ 122,000 |
| Upshur County West Virginia | 1 | $ 28,000 | $ 28,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2012
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 | 1,049 | $157,257,000 | $149,000 | $417,000 | $103,000 | $1,379,000 |
| Home Purchase | 262 | $38,484,000 | $146,000 | $437,000 | $89,000 | $529,000 |
| Home Improvement | 4 | $122,000 | $30,000 | $52,000 | $76,000 | $140,000 |
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 | 1,248 | $184,249,000 | $147,000 | $417,000 | $99,000 | $1,379,000 |
| Not Provided | 41 | $6,955,000 | $169,000 | $437,000 | $130,000 | $525,000 |
| Asian | 10 | $2,096,000 | $209,000 | $414,000 | $144,000 | $461,000 |
| Hispanic | 9 | $1,012,000 | $112,000 | $192,000 | $70,000 | $125,000 |
| Black or African American | 7 | $1,551,000 | $221,000 | $360,000 | $142,000 | $391,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,308 | $195,223,000 | $149,000 | $437,000 | $101,000 | $1,379,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $640,000 | $91,000 | $132,000 | $46,000 | $58,000 |
| 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 | 1,061 | $161,255,000 | $151,000 | $417,000 | $102,000 | $1,379,000 |
| Application Denied By Financial Institution | 115 | $14,375,000 | $125,000 | $409,000 | $79,000 | $480,000 |
| Application Withdrawn By Applicant | 101 | $13,714,000 | $135,000 | $437,000 | $89,000 | $490,000 |
| Application Approved But Not Accepted | 37 | $6,124,000 | $165,000 | $417,000 | $131,000 | $708,000 |
| File Closed For Incompleteness | 1 | $395,000 | $395,000 | $395,000 | $517,000 | $517,000 |
| 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 | 9 | $1,069,000 | $118,000 | $300,000 | $89,000 | $288,000 |
| Debt-To-Income Ratio | 3 | $333,000 | $111,000 | $150,000 | $48,000 | $98,000 |
| Unverifiable Information | 3 | $376,000 | $125,000 | $182,000 | $58,000 | $119,000 |
| Collateral | 2 | $448,000 | $224,000 | $398,000 | $262,000 | $480,000 |
| Mortgage Insurance Denied | 1 | $59,000 | $59,000 | $59,000 | $122,000 | $122,000 |
| Other | 1 | $130,000 | $130,000 | $130,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2012 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.