The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
The First State Bank 2016 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 | 1,141 |
| Total Mortgage Loan Application Amount | $164,604,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $559,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,102,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 129 | $ 14,801,000 | $ 114,000 | $ 68,000 |
| Muskingum County Ohio | 61 | $ 8,352,000 | $ 136,000 | $ 75,000 |
| Fayette County Kentucky | 55 | $ 10,979,000 | $ 199,000 | $ 147,000 |
| Putnam County West Virginia | 50 | $ 10,464,000 | $ 209,000 | $ 135,000 |
| Monongalia County West Virginia | 34 | $ 6,161,000 | $ 181,000 | $ 93,000 |
| Pulaski County Kentucky | 31 | $ 4,107,000 | $ 132,000 | $ 57,000 |
| Putnam County Ohio | 29 | $ 5,341,000 | $ 184,000 | $ 93,000 |
| Kanawha County West Virginia | 26 | $ 4,040,000 | $ 155,000 | $ 93,000 |
| Hardy County West Virginia | 23 | $ 3,193,000 | $ 138,000 | $ 75,000 |
| Lawrence County Ohio | 19 | $ 1,801,000 | $ 94,000 | $ 79,000 |
| Auglaize County Ohio | 18 | $ 2,631,000 | $ 146,000 | $ 54,000 |
| Upshur County West Virginia | 18 | $ 2,199,000 | $ 122,000 | $ 58,000 |
| Greenup County Kentucky | 17 | $ 2,429,000 | $ 142,000 | $ 80,000 |
| Bourbon County Kentucky | 14 | $ 2,963,000 | $ 211,000 | $ 100,000 |
| Boyd County Kentucky | 14 | $ 1,489,000 | $ 106,000 | $ 69,000 |
| Mason County Kentucky | 14 | $ 1,959,000 | $ 139,000 | $ 79,000 |
| Harrison County West Virginia | 14 | $ 1,848,000 | $ 132,000 | $ 77,000 |
| Defiance County Ohio | 13 | $ 1,168,000 | $ 89,000 | $ 49,000 |
| Perry County Ohio | 13 | $ 1,240,000 | $ 95,000 | $ 67,000 |
| Wayne County West Virginia | 13 | $ 1,723,000 | $ 132,000 | $ 58,000 |
| Montgomery County Kentucky | 12 | $ 1,584,000 | $ 132,000 | $ 71,000 |
| Licking County Ohio | 12 | $ 2,225,000 | $ 185,000 | $ 94,000 |
| Mercer County West Virginia | 12 | $ 1,200,000 | $ 100,000 | $ 46,000 |
| Dubois County Indiana | 11 | $ 1,181,000 | $ 107,000 | $ 59,000 |
| Hickman County Kentucky | 11 | $ 1,016,000 | $ 92,000 | $ 58,000 |
| Stark County Ohio | 11 | $ 1,107,000 | $ 100,000 | $ 75,000 |
| Rockingham County Virginia | 11 | $ 2,353,000 | $ 213,000 | $ 94,000 |
| Barbour County West Virginia | 11 | $ 1,347,000 | $ 122,000 | $ 67,000 |
| Washington County Ohio | 10 | $ 1,223,000 | $ 122,000 | $ 76,000 |
| Jackson County West Virginia | 10 | $ 1,299,000 | $ 129,000 | $ 54,000 |
| Graves County Kentucky | 9 | $ 967,000 | $ 107,000 | $ 67,000 |
| Montgomery County Virginia | 9 | $ 2,094,000 | $ 232,000 | $ 117,000 |
| Raleigh County West Virginia | 9 | $ 1,630,000 | $ 181,000 | $ 72,000 |
| Spencer County Indiana | 8 | $ 717,000 | $ 89,000 | $ 43,000 |
| Ballard County Kentucky | 8 | $ 849,000 | $ 106,000 | $ 62,000 |
| Allen County Ohio | 8 | $ 852,000 | $ 106,000 | $ 76,000 |
| Fulton County Ohio | 8 | $ 745,000 | $ 93,000 | $ 78,000 |
| Grant County West Virginia | 8 | $ 1,107,000 | $ 138,000 | $ 68,000 |
| Lincoln County West Virginia | 7 | $ 1,047,000 | $ 149,000 | $ 67,000 |
| Pendleton County West Virginia | 7 | $ 1,033,000 | $ 147,000 | $ 55,000 |
| Barren County Kentucky | 6 | $ 475,000 | $ 79,000 | $ 53,000 |
| Osceola County Michigan | 6 | $ 732,000 | $ 122,000 | $ 85,000 |
| Wood County West Virginia | 6 | $ 811,000 | $ 135,000 | $ 74,000 |
| Clark County Kentucky | 5 | $ 1,043,000 | $ 208,000 | $ 146,000 |
| Jessamine County Kentucky | 5 | $ 1,179,000 | $ 235,000 | $ 118,000 |
| Belmont County Ohio | 5 | $ 927,000 | $ 185,000 | $ 100,000 |
| Shelby County Ohio | 5 | $ 591,000 | $ 118,000 | $ 49,000 |
| Tazewell County Virginia | 5 | $ 659,000 | $ 131,000 | $ 62,000 |
| Nicholas County West Virginia | 5 | $ 484,000 | $ 96,000 | $ 54,000 |
| Ohio County West Virginia | 5 | $ 455,000 | $ 91,000 | $ 67,000 |
| Randolph County West Virginia | 5 | $ 523,000 | $ 104,000 | $ 69,000 |
| Cumberland County Kentucky | 4 | $ 469,000 | $ 117,000 | $ 58,000 |
| Kenton County Kentucky | 4 | $ 1,065,000 | $ 266,000 | $ 159,000 |
| McCracken County Kentucky | 4 | $ 402,000 | $ 100,000 | $ 65,000 |
| Kalamazoo County Michigan | 4 | $ 521,000 | $ 130,000 | $ 79,000 |
| Kent County Michigan | 4 | $ 460,000 | $ 115,000 | $ 110,000 |
| Lake County Michigan | 4 | $ 347,000 | $ 86,000 | $ 103,000 |
| Mecosta County Michigan | 4 | $ 648,000 | $ 162,000 | $ 82,000 |
| Guernsey County Ohio | 4 | $ 510,000 | $ 127,000 | $ 72,000 |
| Henry County Ohio | 4 | $ 514,000 | $ 128,000 | $ 65,000 |
| Morgan County Ohio | 4 | $ 573,000 | $ 143,000 | $ 80,000 |
| Paulding County Ohio | 4 | $ 530,000 | $ 132,000 | $ 68,000 |
| Greenbrier County West Virginia | 4 | $ 799,000 | $ 199,000 | $ 254,000 |
| Lewis County West Virginia | 4 | $ 733,000 | $ 183,000 | $ 112,000 |
| Marion County West Virginia | 4 | $ 364,000 | $ 91,000 | $ 66,000 |
| Carter County Kentucky | 3 | $ 481,000 | $ 160,000 | $ 63,000 |
| Lewis County Kentucky | 3 | $ 264,000 | $ 88,000 | $ 52,000 |
| Madison County Kentucky | 3 | $ 600,000 | $ 200,000 | $ 189,000 |
| Washington County Maryland | 3 | $ 641,000 | $ 213,000 | $ 93,000 |
| Surry County North Carolina | 3 | $ 260,000 | $ 86,000 | $ 32,000 |
| Athens County Ohio | 3 | $ 316,000 | $ 105,000 | $ 64,000 |
| Carroll County Ohio | 3 | $ 273,000 | $ 91,000 | $ 55,000 |
| Franklin County Ohio | 3 | $ 436,000 | $ 145,000 | $ 56,000 |
| Noble County Ohio | 3 | $ 519,000 | $ 173,000 | $ 55,000 |
| Van Wert County Ohio | 3 | $ 309,000 | $ 103,000 | $ 68,000 |
| Williams County Ohio | 3 | $ 302,000 | $ 100,000 | $ 81,000 |
| Greene County Tennessee | 3 | $ 657,000 | $ 219,000 | $ 93,000 |
| Alleghany County Virginia | 3 | $ 289,000 | $ 96,000 | $ 52,000 |
| Augusta County Virginia | 3 | $ 552,000 | $ 184,000 | $ 82,000 |
| Loudoun County Virginia | 3 | $ 1,000,000 | $ 333,000 | $ 119,000 |
| Shenandoah County Virginia | 3 | $ 444,000 | $ 148,000 | $ 67,000 |
| Fayette County West Virginia | 3 | $ 205,000 | $ 68,000 | $ 60,000 |
| Preston County West Virginia | 3 | $ 725,000 | $ 241,000 | $ 57,000 |
| Taylor County West Virginia | 3 | $ 207,000 | $ 69,000 | $ 71,000 |
| Brevard County Florida | 2 | $ 232,000 | $ 116,000 | $ 89,000 |
| Volusia County Florida | 2 | $ 324,000 | $ 162,000 | $ 284,000 |
| Boone County Kentucky | 2 | $ 441,000 | $ 220,000 | $ 86,000 |
| Bracken County Kentucky | 2 | $ 216,000 | $ 108,000 | $ 62,000 |
| Campbell County Kentucky | 2 | $ 314,000 | $ 157,000 | $ 86,000 |
| Casey County Kentucky | 2 | $ 206,000 | $ 103,000 | $ 72,000 |
| Laurel County Kentucky | 2 | $ 277,000 | $ 138,000 | $ 64,000 |
| Nicholas County Kentucky | 2 | $ 207,000 | $ 103,000 | $ 74,000 |
| Russell County Kentucky | 2 | $ 311,000 | $ 155,000 | $ 71,000 |
| Scott County Kentucky | 2 | $ 535,000 | $ 267,000 | $ 161,000 |
| Woodford County Kentucky | 2 | $ 445,000 | $ 222,000 | $ 209,000 |
| St. Joseph County Michigan | 2 | $ 257,000 | $ 128,000 | $ 58,000 |
| Van Buren County Michigan | 2 | $ 217,000 | $ 108,000 | $ 82,000 |
| Clermont County Ohio | 2 | $ 425,000 | $ 212,000 | $ 143,000 |
| Crawford County Ohio | 2 | $ 207,000 | $ 103,000 | $ 101,000 |
| Hancock County Ohio | 2 | $ 294,000 | $ 147,000 | $ 80,000 |
| Ross County Ohio | 2 | $ 299,000 | $ 149,000 | $ 90,000 |
| Scioto County Ohio | 2 | $ 203,000 | $ 101,000 | $ 126,000 |
| Union County Ohio | 2 | $ 91,000 | $ 45,000 | $ 53,000 |
| Beaver County Pennsylvania | 2 | $ 375,000 | $ 187,000 | $ 97,000 |
| Lancaster County Pennsylvania | 2 | $ 122,000 | $ 61,000 | $ 52,000 |
| Carter County Tennessee | 2 | $ 264,000 | $ 132,000 | $ 45,000 |
| Unicoi County Tennessee | 2 | $ 197,000 | $ 98,000 | $ 30,000 |
| Washington County Tennessee | 2 | $ 357,000 | $ 178,000 | $ 106,000 |
| Weakley County Tennessee | 2 | $ 320,000 | $ 160,000 | $ 45,000 |
| Chesterfield County Virginia | 2 | $ 746,000 | $ 373,000 | $ 85,000 |
| Harrisonburg County Virginia | 2 | $ 228,000 | $ 114,000 | $ 28,000 |
| Pulaski County Virginia | 2 | $ 320,000 | $ 160,000 | $ 101,000 |
| Wythe County Virginia | 2 | $ 176,000 | $ 88,000 | $ 37,000 |
| Logan County West Virginia | 2 | $ 261,000 | $ 130,000 | $ 76,000 |
| Mason County West Virginia | 2 | $ 68,000 | $ 34,000 | $ 29,000 |
| Roane County West Virginia | 2 | $ 473,000 | $ 236,000 | $ 93,000 |
| Tucker County West Virginia | 2 | $ 457,000 | $ 228,000 | $ 149,000 |
| Charlotte County Florida | 1 | $ 291,000 | $ 291,000 | $ 180,000 |
| Hillsborough County Florida | 1 | $ 222,000 | $ 222,000 | $ 163,000 |
| Lee County Florida | 1 | $ 38,000 | $ 38,000 | $ 83,000 |
| Leon County Florida | 1 | $ 76,000 | $ 76,000 | $ 150,000 |
| Pasco County Florida | 1 | $ 207,000 | $ 207,000 | $ 225,000 |
| Sarasota County Florida | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Cherokee County Georgia | 1 | $ 186,000 | $ 186,000 | $ 52,000 |
| Cook County Illinois | 1 | $ 317,000 | $ 317,000 | $ 107,000 |
| Kankakee County Illinois | 1 | $ 97,000 | $ 97,000 | $ 52,000 |
| Allen County Indiana | 1 | $ 52,000 | $ 52,000 | $ 36,000 |
| Kosciusko County Indiana | 1 | $ 240,000 | $ 240,000 | $ 574,000 |
| Perry County Indiana | 1 | $ 80,000 | $ 80,000 | $ 56,000 |
| Posey County Indiana | 1 | $ 134,000 | $ 134,000 | $ 33,000 |
| Vanderburgh County Indiana | 1 | $ 66,000 | $ 66,000 | $ 29,000 |
| Warrick County Indiana | 1 | $ 109,000 | $ 109,000 | $ 35,000 |
| Adair County Kentucky | 1 | $ 132,000 | $ 132,000 | $ 46,000 |
| Edmonson County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 24,000 |
| Franklin County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
| Fulton County Kentucky | 1 | $ 33,000 | $ 33,000 | $ 11,000 |
| Harrison County Kentucky | 1 | $ 188,000 | $ 188,000 | $ 100,000 |
| Hart County Kentucky | 1 | $ 47,000 | $ 47,000 | $ 40,000 |
| Knox County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Menifee County Kentucky | 1 | $ 158,000 | $ 158,000 | $ 122,000 |
| Ohio County Kentucky | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Pike County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Rowan County Kentucky | 1 | $ 208,000 | $ 208,000 | $ 71,000 |
| Taylor County Kentucky | 1 | $ 245,000 | $ 245,000 | $ 159,000 |
| Warren County Kentucky | 1 | $ 137,000 | $ 137,000 | $ 54,000 |
| Whitley County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Frederick County Maryland | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| Garrett County Maryland | 1 | $ 249,000 | $ 249,000 | $ 64,000 |
| Allegan County Michigan | 1 | $ 204,000 | $ 204,000 | $ 70,000 |
| Eaton County Michigan | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Lenawee County Michigan | 1 | $ 69,000 | $ 69,000 | $ 23,000 |
| Mason County Michigan | 1 | $ 172,000 | $ 172,000 | $ 140,000 |
| St. Louis County Missouri | 1 | $ 304,000 | $ 304,000 | $ 200,000 |
| Iredell County North Carolina | 1 | $ 239,000 | $ 239,000 | $ 78,000 |
| Lenoir County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| Mecklenburg County North Carolina | 1 | $ 241,000 | $ 241,000 | $ 60,000 |
| Rowan County North Carolina | 1 | $ 69,000 | $ 69,000 | $ 35,000 |
| Stokes County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 26,000 |
| Union County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 53,000 |
| Wake County North Carolina | 1 | $ 232,000 | $ 232,000 | $ 216,000 |
| Coshocton County Ohio | 1 | $ 200,000 | $ 200,000 | $ 109,000 |
| Cuyahoga County Ohio | 1 | $ 183,000 | $ 183,000 | $ 137,000 |
| Erie County Ohio | 1 | $ 52,000 | $ 52,000 | $ 19,000 |
| Fairfield County Ohio | 1 | $ 229,000 | $ 229,000 | $ 164,000 |
| Gallia County Ohio | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Hardin County Ohio | 1 | $ 240,000 | $ 240,000 | $ 177,000 |
| Hocking County Ohio | 1 | $ 153,000 | $ 153,000 | $ 73,000 |
| Lucas County Ohio | 1 | $ 94,000 | $ 94,000 | $ 51,000 |
| Madison County Ohio | 1 | $ 81,000 | $ 81,000 | $ 52,000 |
| Mahoning County Ohio | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Mercer County Ohio | 1 | $ 200,000 | $ 200,000 | $ 182,000 |
| Ottawa County Ohio | 1 | $ 38,000 | $ 38,000 | $ 83,000 |
| Pike County Ohio | 1 | $ 60,000 | $ 60,000 | $ 68,000 |
| Summit County Ohio | 1 | $ 76,000 | $ 76,000 | $ 60,000 |
| Tuscarawas County Ohio | 1 | $ 186,000 | $ 186,000 | $ 142,000 |
| Vinton County Ohio | 1 | $ 100,000 | $ 100,000 | $ 20,000 |
| Warren County Ohio | 1 | $ 388,000 | $ 388,000 | $ 222,000 |
| Fayette County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 144,000 |
| Franklin County Pennsylvania | 1 | $ 249,000 | $ 249,000 | $ 14,000 |
| Lebanon County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 83,000 |
| Luzerne County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 188,000 |
| Berkeley County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 190,000 |
| Charleston County South Carolina | 1 | $ 6,000 | $ 6,000 | $ 72,000 |
| Minnehaha County South Dakota | 1 | $ 392,000 | $ 392,000 | $ 123,000 |
| Carroll County Tennessee | 1 | $ 174,000 | $ 174,000 | $ 72,000 |
| Claiborne County Tennessee | 1 | $ 118,000 | $ 118,000 | $ 42,000 |
| Cocke County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 47,000 |
| Henry County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 90,000 |
| Knox County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
| Loudon County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 233,000 |
| Macon County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 21,000 |
| Obion County Tennessee | 1 | $ 169,000 | $ 169,000 | $ 43,000 |
| Robertson County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 57,000 |
| Dallas County Texas | 1 | $ 239,000 | $ 239,000 | $ 150,000 |
| Albemarle County Virginia | 1 | $ 141,000 | $ 141,000 | $ 36,000 |
| Bath County Virginia | 1 | $ 40,000 | $ 40,000 | $ 26,000 |
| Hanover County Virginia | 1 | $ 232,000 | $ 232,000 | $ 135,000 |
| Henrico County Virginia | 1 | $ 210,000 | $ 210,000 | $ 74,000 |
| Hopewell County Virginia | 1 | $ 159,000 | $ 159,000 | $ 79,000 |
| Radford County Virginia | 1 | $ 252,000 | $ 252,000 | $ 120,000 |
| Richmond City County Virginia | 1 | $ 181,000 | $ 181,000 | $ 154,000 |
| Spotsylvania County Virginia | 1 | $ 236,000 | $ 236,000 | $ 49,000 |
| Staunton County Virginia | 1 | $ 90,000 | $ 90,000 | $ 46,000 |
| Virginia Beach County Virginia | 1 | $ 401,000 | $ 401,000 | $ 161,000 |
| Braxton County West Virginia | 1 | $ 250,000 | $ 250,000 | $ 52,000 |
| Brooke County West Virginia | 1 | $ 95,000 | $ 95,000 | $ 81,000 |
| Marshall County West Virginia | 1 | $ 77,000 | $ 77,000 | $ 44,000 |
| Morgan County West Virginia | 1 | $ 162,000 | $ 162,000 | $ 68,000 |
| Pocahontas County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 124,000 |
| Wyoming County West Virginia | 1 | $ 112,000 | $ 112,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2016
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 | 587 | $86,732,000 | $147,000 | $497,000 | $91,000 | $1,102,000 |
| Home Purchase | 509 | $72,929,000 | $143,000 | $559,000 | $77,000 | $869,000 |
| Home Improvement | 45 | $4,943,000 | $109,000 | $401,000 | $78,000 | $222,000 |
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 | 689 | $105,187,000 | $152,000 | $559,000 | $87,000 | $839,000 |
| White | 430 | $56,762,000 | $132,000 | $550,000 | $80,000 | $1,102,000 |
| Not Provided | 11 | $1,478,000 | $134,000 | $390,000 | $104,000 | $465,000 |
| Black or African American | 4 | $647,000 | $161,000 | $226,000 | $74,000 | $107,000 |
| Hispanic | 2 | $175,000 | $87,000 | $106,000 | $32,000 | $39,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $173,000 | $86,000 | $132,000 | $70,000 | $94,000 |
| American Indian or Alaskan Native | 2 | $112,000 | $56,000 | $57,000 | $59,000 | $65,000 |
| Asian | 1 | $70,000 | $70,000 | $70,000 | $34,000 | $34,000 |
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) | 1,008 | $146,843,000 | $145,000 | $559,000 | $88,000 | $1,102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $7,277,000 | $102,000 | $267,000 | $42,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 32 | $5,257,000 | $164,000 | $525,000 | $61,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 30 | $5,227,000 | $174,000 | $410,000 | $73,000 | $227,000 |
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 | 675 | $103,302,000 | $153,000 | $497,000 | $89,000 | $839,000 |
| Loan Originated | 410 | $53,758,000 | $131,000 | $559,000 | $80,000 | $1,102,000 |
| Application Denied By Financial Institution | 32 | $3,884,000 | $121,000 | $269,000 | $48,000 | $151,000 |
| Application Withdrawn By Applicant | 20 | $3,127,000 | $156,000 | $433,000 | $91,000 | $199,000 |
| File Closed For Incompleteness | 4 | $533,000 | $133,000 | $246,000 | $61,000 | $80,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 11 | $1,614,000 | $146,000 | $249,000 | $40,000 | $68,000 |
| Credit History | 5 | $382,000 | $76,000 | $126,000 | $29,000 | $51,000 |
| Collateral | 3 | $333,000 | $111,000 | $126,000 | $60,000 | $74,000 |
| Other | 3 | $441,000 | $147,000 | $269,000 | $60,000 | $75,000 |
| Credit Application Incomplete | 1 | $63,000 | $63,000 | $63,000 | $40,000 | $40,000 |
| Employment History | 1 | $70,000 | $70,000 | $70,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $99,000 | $99,000 | $99,000 | $63,000 | $63,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2016 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.