The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
The First State Bank 2017 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 | 719 |
| Total Mortgage Loan Application Amount | $103,527,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $692,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.
| 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 | 99 | $ 10,863,000 | $ 109,000 | $ 73,000 |
| Muskingum County Ohio | 55 | $ 7,896,000 | $ 143,000 | $ 55,000 |
| Putnam County West Virginia | 35 | $ 6,159,000 | $ 175,000 | $ 111,000 |
| Fayette County Kentucky | 30 | $ 6,292,000 | $ 209,000 | $ 79,000 |
| Monongalia County West Virginia | 26 | $ 5,139,000 | $ 197,000 | $ 72,000 |
| Kanawha County West Virginia | 24 | $ 3,054,000 | $ 127,000 | $ 89,000 |
| Putnam County Ohio | 23 | $ 3,702,000 | $ 160,000 | $ 60,000 |
| Defiance County Ohio | 18 | $ 1,848,000 | $ 102,000 | $ 42,000 |
| Perry County Ohio | 18 | $ 2,380,000 | $ 132,000 | $ 43,000 |
| Lawrence County Ohio | 17 | $ 2,333,000 | $ 137,000 | $ 70,000 |
| Rockingham County Virginia | 16 | $ 2,899,000 | $ 181,000 | $ 37,000 |
| Bourbon County Kentucky | 14 | $ 2,552,000 | $ 182,000 | $ 75,000 |
| Montgomery County Kentucky | 11 | $ 1,574,000 | $ 143,000 | $ 120,000 |
| Hardy County West Virginia | 11 | $ 1,492,000 | $ 135,000 | $ 62,000 |
| Wayne County West Virginia | 11 | $ 1,159,000 | $ 105,000 | $ 38,000 |
| Mason County Kentucky | 10 | $ 1,528,000 | $ 152,000 | $ 119,000 |
| Kalamazoo County Michigan | 10 | $ 1,345,000 | $ 134,000 | $ 46,000 |
| Greenbrier County West Virginia | 10 | $ 1,597,000 | $ 159,000 | $ 45,000 |
| Clark County Kentucky | 9 | $ 1,475,000 | $ 163,000 | $ 75,000 |
| Stark County Ohio | 8 | $ 793,000 | $ 99,000 | $ 39,000 |
| Marion County West Virginia | 8 | $ 959,000 | $ 119,000 | $ 57,000 |
| Wood County West Virginia | 8 | $ 1,172,000 | $ 146,000 | $ 69,000 |
| Greenup County Kentucky | 7 | $ 1,097,000 | $ 156,000 | $ 84,000 |
| Kenton County Kentucky | 7 | $ 1,156,000 | $ 165,000 | $ 69,000 |
| Auglaize County Ohio | 7 | $ 912,000 | $ 130,000 | $ 41,000 |
| Licking County Ohio | 7 | $ 1,102,000 | $ 157,000 | $ 49,000 |
| Washington County Ohio | 7 | $ 955,000 | $ 136,000 | $ 29,000 |
| Raleigh County West Virginia | 7 | $ 1,256,000 | $ 179,000 | $ 168,000 |
| Dubois County Indiana | 6 | $ 744,000 | $ 124,000 | $ 51,000 |
| Spencer County Indiana | 6 | $ 706,000 | $ 117,000 | $ 35,000 |
| Belmont County Ohio | 6 | $ 1,094,000 | $ 182,000 | $ 85,000 |
| Shelby County Ohio | 6 | $ 709,000 | $ 118,000 | $ 49,000 |
| Upshur County West Virginia | 6 | $ 597,000 | $ 99,000 | $ 75,000 |
| Boone County Kentucky | 5 | $ 612,000 | $ 122,000 | $ 65,000 |
| Barbour County West Virginia | 5 | $ 325,000 | $ 65,000 | $ 33,000 |
| Jessamine County Kentucky | 4 | $ 968,000 | $ 242,000 | $ 110,000 |
| Osceola County Michigan | 4 | $ 575,000 | $ 143,000 | $ 81,000 |
| Fulton County Ohio | 4 | $ 588,000 | $ 147,000 | $ 66,000 |
| Harrisonburg County Virginia | 4 | $ 546,000 | $ 136,000 | $ 87,000 |
| Harrison County West Virginia | 4 | $ 607,000 | $ 151,000 | $ 104,000 |
| Lincoln County West Virginia | 4 | $ 596,000 | $ 149,000 | $ 66,000 |
| Nicholas County West Virginia | 4 | $ 749,000 | $ 187,000 | $ 61,000 |
| Pendleton County West Virginia | 4 | $ 537,000 | $ 134,000 | $ 32,000 |
| Pocahontas County West Virginia | 4 | $ 613,000 | $ 153,000 | $ 73,000 |
| Boyd County Kentucky | 3 | $ 261,000 | $ 87,000 | $ 73,000 |
| Lewis County Kentucky | 3 | $ 358,000 | $ 119,000 | $ 42,000 |
| Scott County Kentucky | 3 | $ 401,000 | $ 133,000 | $ 33,000 |
| St. Joseph County Michigan | 3 | $ 545,000 | $ 181,000 | $ 85,000 |
| Athens County Ohio | 3 | $ 399,000 | $ 133,000 | $ 100,000 |
| Fairfield County Ohio | 3 | $ 600,000 | $ 200,000 | $ 47,000 |
| Morgan County Ohio | 3 | $ 503,000 | $ 167,000 | $ 56,000 |
| Pickaway County Ohio | 3 | $ 318,000 | $ 106,000 | $ 53,000 |
| Claiborne County Tennessee | 3 | $ 289,000 | $ 96,000 | $ 54,000 |
| Augusta County Virginia | 3 | $ 416,000 | $ 138,000 | $ 46,000 |
| Grant County West Virginia | 3 | $ 388,000 | $ 129,000 | $ 50,000 |
| Ohio County West Virginia | 3 | $ 314,000 | $ 104,000 | $ 50,000 |
| Randolph County West Virginia | 3 | $ 610,000 | $ 203,000 | $ 29,000 |
| Allen County Indiana | 2 | $ 160,000 | $ 80,000 | $ 47,000 |
| Graves County Kentucky | 2 | $ 310,000 | $ 155,000 | $ 79,000 |
| Knox County Kentucky | 2 | $ 393,000 | $ 196,000 | $ 70,000 |
| Madison County Kentucky | 2 | $ 325,000 | $ 162,000 | $ 114,000 |
| Mecklenburg County North Carolina | 2 | $ 172,000 | $ 86,000 | $ 123,000 |
| Guernsey County Ohio | 2 | $ 264,000 | $ 132,000 | $ 39,000 |
| Mercer County Ohio | 2 | $ 506,000 | $ 253,000 | $ 67,000 |
| Paulding County Ohio | 2 | $ 229,000 | $ 114,000 | $ 45,000 |
| Williams County Ohio | 2 | $ 143,000 | $ 71,000 | $ 0 |
| Weakley County Tennessee | 2 | $ 129,000 | $ 64,000 | $ 26,000 |
| Fayette County West Virginia | 2 | $ 238,000 | $ 119,000 | $ 65,000 |
| Jackson County West Virginia | 2 | $ 330,000 | $ 165,000 | $ 94,000 |
| Marshall County West Virginia | 2 | $ 146,000 | $ 73,000 | $ 41,000 |
| Mason County West Virginia | 2 | $ 274,000 | $ 137,000 | $ 83,000 |
| Preston County West Virginia | 2 | $ 161,000 | $ 80,000 | $ 38,000 |
| Roane County West Virginia | 2 | $ 201,000 | $ 100,000 | $ 55,000 |
| Leon County Florida | 1 | $ 68,000 | $ 68,000 | $ 52,000 |
| St. Johns County Florida | 1 | $ 220,000 | $ 220,000 | $ 200,000 |
| Taylor County Florida | 1 | $ 40,000 | $ 40,000 | $ 75,000 |
| Chatham County Georgia | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Cook County Illinois | 1 | $ 413,000 | $ 413,000 | $ 315,000 |
| Kankakee County Illinois | 1 | $ 226,000 | $ 226,000 | $ 125,000 |
| Will County Illinois | 1 | $ 146,000 | $ 146,000 | $ 53,000 |
| Pike County Indiana | 1 | $ 48,000 | $ 48,000 | $ 30,000 |
| Steuben County Indiana | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Adair County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 21,000 |
| Barren County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Bell County Kentucky | 1 | $ 131,000 | $ 131,000 | $ 58,000 |
| Bracken County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Campbell County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 41,000 |
| Fleming County Kentucky | 1 | $ 177,000 | $ 177,000 | $ 64,000 |
| Hickman County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 41,000 |
| Jefferson County Kentucky | 1 | $ 168,000 | $ 168,000 | $ 135,000 |
| Lincoln County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 78,000 |
| Nelson County Kentucky | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Nicholas County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 61,000 |
| Ohio County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 42,000 |
| Pike County Kentucky | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Powell County Kentucky | 1 | $ 178,000 | $ 178,000 | $ 124,000 |
| Pulaski County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
| Woodford County Kentucky | 1 | $ 183,000 | $ 183,000 | $ 91,000 |
| Washington County Maryland | 1 | $ 304,000 | $ 304,000 | $ 152,000 |
| Cass County Michigan | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Lake County Michigan | 1 | $ 121,000 | $ 121,000 | $ 54,000 |
| Lenawee County Michigan | 1 | $ 90,000 | $ 90,000 | $ 58,000 |
| Mason County Michigan | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Van Buren County Michigan | 1 | $ 52,000 | $ 52,000 | $ 248,000 |
| Allen County Ohio | 1 | $ 238,000 | $ 238,000 | $ 99,000 |
| Erie County Ohio | 1 | $ 66,000 | $ 66,000 | $ 77,000 |
| Franklin County Ohio | 1 | $ 171,000 | $ 171,000 | $ 58,000 |
| Hancock County Ohio | 1 | $ 90,000 | $ 90,000 | $ 44,000 |
| Henry County Ohio | 1 | $ 314,000 | $ 314,000 | $ 0 |
| Hocking County Ohio | 1 | $ 92,000 | $ 92,000 | $ 97,000 |
| Jefferson County Ohio | 1 | $ 296,000 | $ 296,000 | $ 146,000 |
| Meigs County Ohio | 1 | $ 109,000 | $ 109,000 | $ 29,000 |
| Miami County Ohio | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Summit County Ohio | 1 | $ 341,000 | $ 341,000 | $ 0 |
| Van Wert County Ohio | 1 | $ 127,000 | $ 127,000 | $ 97,000 |
| Allegheny County Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 92,000 |
| Beaver County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Westmoreland County Pennsylvania | 1 | $ 241,000 | $ 241,000 | $ 92,000 |
| Obion County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 41,000 |
| Alleghany County Virginia | 1 | $ 71,000 | $ 71,000 | $ 28,000 |
| Bath County Virginia | 1 | $ 133,000 | $ 133,000 | $ 65,000 |
| Fairfax County Virginia | 1 | $ 448,000 | $ 448,000 | $ 113,000 |
| Hanover County Virginia | 1 | $ 320,000 | $ 320,000 | $ 52,000 |
| Pulaski County Virginia | 1 | $ 48,000 | $ 48,000 | $ 38,000 |
| Staunton County Virginia | 1 | $ 164,000 | $ 164,000 | $ 109,000 |
| Waynesboro County Virginia | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Braxton County West Virginia | 1 | $ 72,000 | $ 72,000 | $ 60,000 |
| Jefferson County West Virginia | 1 | $ 163,000 | $ 163,000 | $ 115,000 |
| Mercer County West Virginia | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Pleasants County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Ritchie County West Virginia | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Wetzel County West Virginia | 1 | $ 86,000 | $ 86,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 354 | $51,060,000 | $144,000 | $692,000 | $62,000 | $525,000 |
| Refinancing | 349 | $50,943,000 | $145,000 | $440,000 | $72,000 | $600,000 |
| Home Improvement | 16 | $1,524,000 | $95,000 | $290,000 | $118,000 | $268,000 |
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 | 501 | $75,067,000 | $149,000 | $440,000 | $59,000 | $600,000 |
| White | 195 | $24,164,000 | $123,000 | $448,000 | $88,000 | $358,000 |
| Not Provided | 13 | $2,677,000 | $205,000 | $692,000 | $129,000 | $402,000 |
| Black or African American | 6 | $629,000 | $104,000 | $270,000 | $58,000 | $116,000 |
| Hispanic | 3 | $781,000 | $260,000 | $388,000 | $119,000 | $248,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $209,000 | $209,000 | $209,000 | $76,000 | $76,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 625 | $90,869,000 | $145,000 | $692,000 | $70,000 | $600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $5,202,000 | $120,000 | $224,000 | $41,000 | $73,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,994,000 | $124,000 | $274,000 | $61,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,462,000 | $182,000 | $355,000 | $85,000 | $188,000 |
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 | 481 | $72,669,000 | $151,000 | $424,000 | $61,000 | $600,000 |
| Loan Originated | 214 | $27,992,000 | $130,000 | $692,000 | $84,000 | $402,000 |
| Application Denied By Financial Institution | 17 | $2,125,000 | $125,000 | $337,000 | $69,000 | $172,000 |
| Application Withdrawn By Applicant | 7 | $741,000 | $105,000 | $244,000 | $66,000 | $146,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4 | $578,000 | $144,000 | $337,000 | $38,000 | $70,000 |
| Collateral | 3 | $305,000 | $101,000 | $153,000 | $54,000 | $94,000 |
| Credit Application Incomplete | 3 | $217,000 | $72,000 | $77,000 | $139,000 | $144,000 |
| Credit History | 3 | $468,000 | $156,000 | $222,000 | $48,000 | $64,000 |
| Unverifiable Information | 2 | $205,000 | $102,000 | $120,000 | $42,000 | $47,000 |
| Mortgage Insurance Denied | 1 | $274,000 | $274,000 | $274,000 | $172,000 | $172,000 |
| Other | 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 2017 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.