The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
The First State Bank 2015 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 | 989 |
| Total Mortgage Loan Application Amount | $145,730,000 |
| Average Mortgage Loan Application Amount | $139,333 |
| Highest Mortgage Loan Application Amount | $642,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $1,039,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 133 | $ 19,655,000 | $ 147,000 | $ 92,000 |
| Fayette County Kentucky | 69 | $ 12,165,000 | $ 176,000 | $ 159,000 |
| Muskingum County Ohio | 61 | $ 8,429,000 | $ 138,000 | $ 73,000 |
| Putnam County West Virginia | 51 | $ 10,358,000 | $ 203,000 | $ 122,000 |
| Putnam County Ohio | 31 | $ 5,122,000 | $ 165,000 | $ 96,000 |
| Kanawha County West Virginia | 25 | $ 3,367,000 | $ 134,000 | $ 74,000 |
| Greenup County Kentucky | 21 | $ 2,518,000 | $ 119,000 | $ 72,000 |
| Pulaski County Kentucky | 19 | $ 2,676,000 | $ 140,000 | $ 73,000 |
| Stark County Ohio | 19 | $ 2,521,000 | $ 132,000 | $ 93,000 |
| Wayne County West Virginia | 18 | $ 1,882,000 | $ 104,000 | $ 64,000 |
| Monongalia County West Virginia | 17 | $ 2,963,000 | $ 174,000 | $ 108,000 |
| Boyd County Kentucky | 16 | $ 1,563,000 | $ 97,000 | $ 67,000 |
| Auglaize County Ohio | 16 | $ 2,182,000 | $ 136,000 | $ 75,000 |
| Lawrence County Ohio | 15 | $ 2,034,000 | $ 135,000 | $ 68,000 |
| Clark County Kentucky | 14 | $ 2,873,000 | $ 205,000 | $ 155,000 |
| Montgomery County Kentucky | 14 | $ 2,089,000 | $ 149,000 | $ 100,000 |
| Perry County Ohio | 13 | $ 1,548,000 | $ 119,000 | $ 75,000 |
| Defiance County Ohio | 12 | $ 1,459,000 | $ 121,000 | $ 57,000 |
| Licking County Ohio | 11 | $ 1,643,000 | $ 149,000 | $ 76,000 |
| Bourbon County Kentucky | 10 | $ 2,078,000 | $ 207,000 | $ 96,000 |
| Washington County Ohio | 10 | $ 1,241,000 | $ 124,000 | $ 56,000 |
| Dubois County Indiana | 8 | $ 892,000 | $ 111,000 | $ 57,000 |
| Guernsey County Ohio | 8 | $ 1,113,000 | $ 139,000 | $ 104,000 |
| Hocking County Ohio | 8 | $ 848,000 | $ 106,000 | $ 51,000 |
| Kankakee County Illinois | 6 | $ 699,000 | $ 116,000 | $ 69,000 |
| Ballard County Kentucky | 6 | $ 524,000 | $ 87,000 | $ 42,000 |
| Jessamine County Kentucky | 6 | $ 1,704,000 | $ 284,000 | $ 108,000 |
| Scott County Kentucky | 6 | $ 1,405,000 | $ 234,000 | $ 86,000 |
| Allen County Ohio | 6 | $ 1,171,000 | $ 195,000 | $ 107,000 |
| Belmont County Ohio | 6 | $ 1,103,000 | $ 183,000 | $ 96,000 |
| Carroll County Ohio | 6 | $ 752,000 | $ 125,000 | $ 69,000 |
| Scioto County Ohio | 6 | $ 411,000 | $ 68,000 | $ 35,000 |
| Shelby County Ohio | 6 | $ 930,000 | $ 155,000 | $ 81,000 |
| Marion County West Virginia | 6 | $ 872,000 | $ 145,000 | $ 66,000 |
| Kalamazoo County Michigan | 5 | $ 694,000 | $ 138,000 | $ 76,000 |
| Morgan County Ohio | 5 | $ 480,000 | $ 96,000 | $ 38,000 |
| Barbour County West Virginia | 5 | $ 425,000 | $ 85,000 | $ 51,000 |
| Fayette County West Virginia | 5 | $ 621,000 | $ 124,000 | $ 62,000 |
| Lincoln County West Virginia | 5 | $ 948,000 | $ 189,000 | $ 76,000 |
| Ohio County West Virginia | 5 | $ 646,000 | $ 129,000 | $ 92,000 |
| Upshur County West Virginia | 5 | $ 512,000 | $ 102,000 | $ 42,000 |
| Spencer County Indiana | 4 | $ 354,000 | $ 88,000 | $ 65,000 |
| Barren County Kentucky | 4 | $ 403,000 | $ 100,000 | $ 59,000 |
| Graves County Kentucky | 4 | $ 294,000 | $ 73,000 | $ 46,000 |
| Woodford County Kentucky | 4 | $ 1,009,000 | $ 252,000 | $ 208,000 |
| Athens County Ohio | 4 | $ 354,000 | $ 88,000 | $ 71,000 |
| Erie County Ohio | 4 | $ 297,000 | $ 74,000 | $ 67,000 |
| Franklin County Ohio | 4 | $ 631,000 | $ 157,000 | $ 79,000 |
| Paulding County Ohio | 4 | $ 393,000 | $ 98,000 | $ 73,000 |
| Tuscarawas County Ohio | 4 | $ 663,000 | $ 165,000 | $ 91,000 |
| Harrisonburg County Virginia | 4 | $ 621,000 | $ 155,000 | $ 150,000 |
| Rockingham County Virginia | 4 | $ 599,000 | $ 149,000 | $ 132,000 |
| Grant County West Virginia | 4 | $ 651,000 | $ 162,000 | $ 146,000 |
| Wood County West Virginia | 4 | $ 405,000 | $ 101,000 | $ 70,000 |
| Hart County Kentucky | 3 | $ 263,000 | $ 87,000 | $ 54,000 |
| Kenton County Kentucky | 3 | $ 851,000 | $ 283,000 | $ 98,000 |
| Laurel County Kentucky | 3 | $ 212,000 | $ 70,000 | $ 59,000 |
| Lewis County Kentucky | 3 | $ 305,000 | $ 101,000 | $ 49,000 |
| Madison County Kentucky | 3 | $ 309,000 | $ 103,000 | $ 64,000 |
| Warren County Kentucky | 3 | $ 668,000 | $ 222,000 | $ 66,000 |
| Kent County Michigan | 3 | $ 281,000 | $ 93,000 | $ 88,000 |
| Lake County Michigan | 3 | $ 266,000 | $ 88,000 | $ 111,000 |
| Osceola County Michigan | 3 | $ 394,000 | $ 131,000 | $ 81,000 |
| Noble County Ohio | 3 | $ 411,000 | $ 137,000 | $ 98,000 |
| Williams County Ohio | 3 | $ 309,000 | $ 103,000 | $ 42,000 |
| Hardy County West Virginia | 3 | $ 764,000 | $ 254,000 | $ 103,000 |
| Harrison County West Virginia | 3 | $ 400,000 | $ 133,000 | $ 95,000 |
| Mason County West Virginia | 3 | $ 147,000 | $ 49,000 | $ 74,000 |
| Palm Beach County Florida | 2 | $ 535,000 | $ 267,000 | $ 183,000 |
| Cook County Illinois | 2 | $ 451,000 | $ 225,000 | $ 254,000 |
| Lake County Indiana | 2 | $ 274,000 | $ 137,000 | $ 51,000 |
| Clinton County Kentucky | 2 | $ 203,000 | $ 101,000 | $ 40,000 |
| Hickman County Kentucky | 2 | $ 102,000 | $ 51,000 | $ 40,000 |
| Knox County Kentucky | 2 | $ 306,000 | $ 153,000 | $ 167,000 |
| Metcalfe County Kentucky | 2 | $ 116,000 | $ 58,000 | $ 32,000 |
| Calhoun County Michigan | 2 | $ 180,000 | $ 90,000 | $ 76,000 |
| St. Joseph County Michigan | 2 | $ 149,000 | $ 74,000 | $ 70,000 |
| Van Buren County Michigan | 2 | $ 194,000 | $ 97,000 | $ 78,000 |
| Mecklenburg County North Carolina | 2 | $ 506,000 | $ 253,000 | $ 303,000 |
| Columbiana County Ohio | 2 | $ 178,000 | $ 89,000 | $ 39,000 |
| Coshocton County Ohio | 2 | $ 206,000 | $ 103,000 | $ 48,000 |
| Fulton County Ohio | 2 | $ 212,000 | $ 106,000 | $ 46,000 |
| Gallia County Ohio | 2 | $ 143,000 | $ 71,000 | $ 38,000 |
| Hancock County Ohio | 2 | $ 390,000 | $ 195,000 | $ 65,000 |
| Obion County Tennessee | 2 | $ 189,000 | $ 94,000 | $ 53,000 |
| Marshall County West Virginia | 2 | $ 384,000 | $ 192,000 | $ 126,000 |
| Pendleton County West Virginia | 2 | $ 358,000 | $ 179,000 | $ 78,000 |
| Pocahontas County West Virginia | 2 | $ 245,000 | $ 122,000 | $ 59,000 |
| Preston County West Virginia | 2 | $ 241,000 | $ 120,000 | $ 56,000 |
| Taylor County West Virginia | 2 | $ 378,000 | $ 189,000 | $ 57,000 |
| Baldwin County Alabama | 1 | $ 136,000 | $ 136,000 | $ 53,000 |
| Jefferson County Alabama | 1 | $ 417,000 | $ 417,000 | $ 242,000 |
| Indian River County Florida | 1 | $ 627,000 | $ 627,000 | $ 188,000 |
| Lee County Florida | 1 | $ 316,000 | $ 316,000 | $ 587,000 |
| Manatee County Florida | 1 | $ 255,000 | $ 255,000 | $ 146,000 |
| Volusia County Florida | 1 | $ 260,000 | $ 260,000 | $ 93,000 |
| Cherokee County Georgia | 1 | $ 207,000 | $ 207,000 | $ 156,000 |
| Will County Illinois | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Allen County Indiana | 1 | $ 232,000 | $ 232,000 | $ 75,000 |
| DeKalb County Indiana | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Bath County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 36,000 |
| Cumberland County Kentucky | 1 | $ 138,000 | $ 138,000 | $ 85,000 |
| Edmonson County Kentucky | 1 | $ 40,000 | $ 40,000 | $ 24,000 |
| Fulton County Kentucky | 1 | $ 92,000 | $ 92,000 | $ 88,000 |
| Grant County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 22,000 |
| Johnson County Kentucky | 1 | $ 157,000 | $ 157,000 | $ 86,000 |
| Lawrence County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 41,000 |
| Marshall County Kentucky | 1 | $ 157,000 | $ 157,000 | $ 71,000 |
| McCracken County Kentucky | 1 | $ 157,000 | $ 157,000 | $ 53,000 |
| Mercer County Kentucky | 1 | $ 218,000 | $ 218,000 | $ 98,000 |
| Powell County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 34,000 |
| Rowan County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Wayne County Kentucky | 1 | $ 173,000 | $ 173,000 | $ 145,000 |
| Cecil County Maryland | 1 | $ 276,000 | $ 276,000 | $ 151,000 |
| Frederick County Maryland | 1 | $ 152,000 | $ 152,000 | $ 50,000 |
| Kent County Maryland | 1 | $ 92,000 | $ 92,000 | $ 55,000 |
| Newaygo County Michigan | 1 | $ 84,000 | $ 84,000 | $ 74,000 |
| Oakland County Michigan | 1 | $ 179,000 | $ 179,000 | $ 245,000 |
| St. Louis County Missouri | 1 | $ 369,000 | $ 369,000 | $ 207,000 |
| Brunswick County North Carolina | 1 | $ 397,000 | $ 397,000 | $ 295,000 |
| Guilford County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 87,000 |
| Clermont County Ohio | 1 | $ 180,000 | $ 180,000 | $ 68,000 |
| Crawford County Ohio | 1 | $ 94,000 | $ 94,000 | $ 64,000 |
| Fairfield County Ohio | 1 | $ 134,000 | $ 134,000 | $ 73,000 |
| Hardin County Ohio | 1 | $ 72,000 | $ 72,000 | $ 67,000 |
| Henry County Ohio | 1 | $ 51,000 | $ 51,000 | $ 35,000 |
| Huron County Ohio | 1 | $ 51,000 | $ 51,000 | $ 22,000 |
| Medina County Ohio | 1 | $ 67,000 | $ 67,000 | $ 23,000 |
| Meigs County Ohio | 1 | $ 158,000 | $ 158,000 | $ 56,000 |
| Mercer County Ohio | 1 | $ 93,000 | $ 93,000 | $ 54,000 |
| Monroe County Ohio | 1 | $ 116,000 | $ 116,000 | $ 62,000 |
| Ottawa County Ohio | 1 | $ 254,000 | $ 254,000 | $ 898,000 |
| Ross County Ohio | 1 | $ 81,000 | $ 81,000 | $ 38,000 |
| Union County Ohio | 1 | $ 93,000 | $ 93,000 | $ 47,000 |
| Van Wert County Ohio | 1 | $ 66,000 | $ 66,000 | $ 244,000 |
| Vinton County Ohio | 1 | $ 76,000 | $ 76,000 | $ 96,000 |
| Bradford County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 68,000 |
| Bucks County Pennsylvania | 1 | $ 226,000 | $ 226,000 | $ 265,000 |
| Cumberland County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 154,000 |
| Luzerne County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Lycoming County Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 47,000 |
| Tioga County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 47,000 |
| Charleston County South Carolina | 1 | $ 217,000 | $ 217,000 | $ 67,000 |
| Horry County South Carolina | 1 | $ 80,000 | $ 80,000 | $ 350,000 |
| Weakley County Tennessee | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Augusta County Virginia | 1 | $ 149,000 | $ 149,000 | $ 112,000 |
| Montgomery County Virginia | 1 | $ 119,000 | $ 119,000 | $ 277,000 |
| Boone County West Virginia | 1 | $ 198,000 | $ 198,000 | $ 105,000 |
| Braxton County West Virginia | 1 | $ 183,000 | $ 183,000 | $ 75,000 |
| Doddridge County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Greenbrier County West Virginia | 1 | $ 132,000 | $ 132,000 | $ 52,000 |
| Jackson County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Mercer County West Virginia | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| Nicholas County West Virginia | 1 | $ 170,000 | $ 170,000 | $ 101,000 |
| Roane County West Virginia | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Brown County Wisconsin | 1 | $ 107,000 | $ 107,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2015
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 | 550 | $83,826,000 | $152,000 | $642,000 | $95,000 | $696,000 |
| Home Purchase | 414 | $58,765,000 | $141,000 | $585,000 | $94,000 | $1,039,000 |
| Home Improvement | 25 | $3,139,000 | $125,000 | $300,000 | $81,000 | $204,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 550 | $83,016,000 | $150,000 | $585,000 | $93,000 | $898,000 |
| White | 403 | $57,487,000 | $142,000 | $642,000 | $94,000 | $1,039,000 |
| Not Provided | 28 | $3,953,000 | $141,000 | $347,000 | $111,000 | $350,000 |
| Hispanic | 5 | $522,000 | $104,000 | $170,000 | $45,000 | $112,000 |
| Asian | 2 | $701,000 | $350,000 | $417,000 | $501,000 | $502,000 |
| Black or African American | 1 | $51,000 | $51,000 | $51,000 | $42,000 | $42,000 |
| 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) | 965 | $143,075,000 | $148,000 | $642,000 | $95,000 | $1,039,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $820,000 | $74,000 | $106,000 | $29,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,078,000 | $154,000 | $220,000 | $66,000 | $101,000 |
| FHA-insured (Federal Housing Administration) | 6 | $757,000 | $126,000 | $168,000 | $54,000 | $86,000 |
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 Purchased By The Institution | 534 | $80,441,000 | $150,000 | $493,000 | $95,000 | $898,000 |
| Loan Originated | 332 | $48,541,000 | $146,000 | $642,000 | $97,000 | $1,039,000 |
| Application Denied By Financial Institution | 83 | $12,223,000 | $147,000 | $627,000 | $80,000 | $384,000 |
| Application Withdrawn By Applicant | 28 | $3,378,000 | $120,000 | $417,000 | $87,000 | $264,000 |
| File Closed For Incompleteness | 12 | $1,147,000 | $95,000 | $204,000 | $71,000 | $191,000 |
| Application Approved But Not Accepted | 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 | 21 | $2,711,000 | $129,000 | $347,000 | $69,000 | $213,000 |
| Debt-To-Income Ratio | 20 | $3,322,000 | $166,000 | $376,000 | $90,000 | $366,000 |
| Collateral | 15 | $2,792,000 | $186,000 | $627,000 | $119,000 | $384,000 |
| Other | 4 | $423,000 | $105,000 | $190,000 | $36,000 | $50,000 |
| Employment History | 2 | $405,000 | $202,000 | $271,000 | $57,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $63,000 | $63,000 | $63,000 | $28,000 | $28,000 |
| Unverifiable Information | 1 | $66,000 | $66,000 | $66,000 | $20,000 | $20,000 |
| Credit Application Incomplete | 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 2015 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.