The First State Bank Mortgage Lending & HMDA Data, 2018
In 2018, The First State Bank of Barboursville, WV reported 418 mortgage applications totaling $63.2 million, down 42% from 2017. The average application was for $151,172, and applicants reported an average income of $94,492. 35% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (131), Columbus, OH (31) and Charleston, WV (18) (applications in parentheses).
| 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 | 418 |
| Total Mortgage Loan Application Amount | $63,190,000 |
| Average Mortgage Loan Application Amount | $151,172 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $94,492 |
| Highest Applicant Income | $969,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The First State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cabell, West Virginia | 81 | $ 8,685,000 | $ 107,222 | $ 102,000 |
| Muskingum, Ohio | 30 | $ 4,700,000 | $ 156,666 | $ 76,000 |
| Putnam, West Virginia | 27 | $ 4,675,000 | $ 173,148 | $ 99,000 |
| Kanawha, West Virginia | 18 | $ 2,260,000 | $ 125,555 | $ 69,000 |
| Perry, Ohio | 17 | $ 2,345,000 | $ 137,941 | $ 61,000 |
| Monongalia, West Virginia | 16 | $ 2,870,000 | $ 179,375 | $ 79,000 |
| Lawrence, Ohio | 14 | $ 1,900,000 | $ 135,714 | $ 81,000 |
| Putnam, Ohio | 12 | $ 2,450,000 | $ 204,166 | $ 97,000 |
| Hardy, West Virginia | 12 | $ 2,050,000 | $ 170,833 | $ 304,000 |
| Rockingham, Virginia | 11 | $ 1,925,000 | $ 175,000 | $ 66,000 |
| Licking, Ohio | 10 | $ 1,760,000 | $ 176,000 | $ 78,000 |
| Greenbrier, West Virginia | 9 | $ 2,445,000 | $ 271,666 | $ 169,000 |
| Pocahontas, West Virginia | 9 | $ 1,345,000 | $ 149,444 | $ 81,000 |
| Wood, West Virginia | 8 | $ 840,000 | $ 105,000 | $ 74,000 |
| Mason, Kentucky | 6 | $ 900,000 | $ 150,000 | $ 86,000 |
| Guernsey, Ohio | 6 | $ 610,000 | $ 101,666 | $ 58,000 |
| Stark, Ohio | 6 | $ 1,060,000 | $ 176,666 | $ 96,000 |
| Pendleton, West Virginia | 6 | $ 690,000 | $ 115,000 | $ 57,000 |
| Wayne, West Virginia | 6 | $ 800,000 | $ 133,333 | $ 70,000 |
| Washington, Ohio | 5 | $ 685,000 | $ 137,000 | $ 93,000 |
| Kenton, Kentucky | 4 | $ 590,000 | $ 147,500 | $ 95,000 |
| Ohio, Kentucky | 4 | $ 360,000 | $ 90,000 | $ 35,000 |
| Jackson, West Virginia | 4 | $ 610,000 | $ 152,500 | $ 69,000 |
| Dubois, Indiana | 3 | $ 405,000 | $ 135,000 | $ 106,000 |
| Auglaize, Ohio | 3 | $ 325,000 | $ 108,333 | $ 42,000 |
| Belmont, Ohio | 3 | $ 555,000 | $ 185,000 | $ 157,000 |
| Carroll, Ohio | 3 | $ 365,000 | $ 121,666 | $ 50,000 |
| Tuscarawas, Ohio | 3 | $ 335,000 | $ 111,666 | $ 0 |
| Knox, Tennessee | 3 | $ 705,000 | $ 235,000 | $ 89,000 |
| Harrisonburg, Virginia | 3 | $ 585,000 | $ 195,000 | $ 86,000 |
| Marion, West Virginia | 3 | $ 305,000 | $ 101,666 | $ 60,000 |
| Cass, Michigan | 2 | $ 220,000 | $ 110,000 | $ 63,000 |
| Van Buren, Michigan | 2 | $ 220,000 | $ 110,000 | $ 50,000 |
| Defiance, Ohio | 2 | $ 120,000 | $ 60,000 | $ 34,000 |
| Franklin, Ohio | 2 | $ 350,000 | $ 175,000 | $ 92,000 |
| Barbour, West Virginia | 2 | $ 100,000 | $ 50,000 | $ 37,000 |
| Fayette, West Virginia | 2 | $ 130,000 | $ 65,000 | $ 59,000 |
| Harrison, West Virginia | 2 | $ 370,000 | $ 185,000 | $ 81,000 |
| Lincoln, West Virginia | 2 | $ 400,000 | $ 200,000 | $ 47,000 |
| Mason, West Virginia | 2 | $ 130,000 | $ 65,000 | $ 91,000 |
| Nicholas, West Virginia | 2 | $ 230,000 | $ 115,000 | $ 49,000 |
| Broward, Florida | 1 | $ 45,000 | $ 45,000 | $ 285,000 |
| St. Johns, Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Volusia, Florida | 1 | $ 395,000 | $ 395,000 | $ 100,000 |
| Will, Illinois | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Crawford, Indiana | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| DeKalb, Indiana | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Vanderburgh, Indiana | 1 | $ 265,000 | $ 265,000 | $ 175,000 |
| Boyd, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Carter, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Cumberland, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Fayette, Kentucky | 1 | $ 455,000 | $ 455,000 | $ 118,000 |
| Fleming, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Jessamine, Kentucky | 1 | $ 325,000 | $ 325,000 | $ 93,000 |
| Lawrence, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Lewis, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Montgomery, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Kent, Maryland | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Washington, Maryland | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Osceola, Michigan | 1 | $ 265,000 | $ 265,000 | $ 74,000 |
| St. Joseph, Michigan | 1 | $ 475,000 | $ 475,000 | $ 392,000 |
| Mecklenburg, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
| New Hanover, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Allen, Ohio | 1 | $ 375,000 | $ 375,000 | $ 133,000 |
| Columbiana, Ohio | 1 | $ 235,000 | $ 235,000 | $ 99,000 |
| Fairfield, Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 135,000 | $ 135,000 | $ 219,000 |
| Hocking, Ohio | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Noble, Ohio | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Shelby, Ohio | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Van Wert, Ohio | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Fayette, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 102,000 |
| Franklin, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Charleston, South Carolina | 1 | $ 455,000 | $ 455,000 | $ 200,000 |
| Collin, Texas | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Windham, Vermont | 1 | $ 145,000 | $ 145,000 | $ 427,000 |
| Alleghany, Virginia | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Augusta, Virginia | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Bath, Virginia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Loudoun, Virginia | 1 | $ 305,000 | $ 305,000 | $ 104,000 |
| Richmond City, Virginia | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Staunton, Virginia | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Brooke, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Grant, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lewis, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Marshall, West Virginia | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Ohio, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 142,000 |
| Raleigh, West Virginia | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Summers, West Virginia | 1 | $ 245,000 | $ 245,000 | $ 149,000 |
| Taylor, West Virginia | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Upshur, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2018
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 | 190 | $28,560,000 | $150,000 | $455,000 | $87,000 | $933,000 |
| Refinancing | 120 | $20,240,000 | $168,000 | $975,000 | $120,000 | $969,000 |
| Cash-out Refinancing | 73 | $10,355,000 | $141,000 | $415,000 | $83,000 | $390,000 |
| Not Applicable | 25 | $3,525,000 | $141,000 | $415,000 | $73,000 | $166,000 |
| Home Improvement | 6 | $270,000 | $45,000 | $155,000 | $60,000 | $80,000 |
| Other Purpose | 4 | $240,000 | $60,000 | $105,000 | $81,000 | $81,000 |
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 | 375 | $58,295,000 | $155,000 | $975,000 | $93,000 | $969,000 |
| Not Provided | 17 | $1,845,000 | $108,000 | $215,000 | $130,000 | $427,000 |
| Not applicable | 16 | $1,420,000 | $88,000 | $315,000 | $172,000 | $172,000 |
| Asian | 7 | $1,075,000 | $153,000 | $415,000 | $51,000 | $112,000 |
| Black or African American | 3 | $555,000 | $185,000 | $205,000 | $99,000 | $137,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 364 | $55,630,000 | $152,000 | $975,000 | $99,000 | $969,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,925,000 | $108,000 | $165,000 | $47,000 | $75,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,355,000 | $159,000 | $295,000 | $68,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,280,000 | $213,000 | $315,000 | $95,000 | $140,000 |
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 | 221 | $35,385,000 | $160,000 | $455,000 | $96,000 | $969,000 |
| Loan Originated | 147 | $19,595,000 | $133,000 | $475,000 | $97,000 | $430,000 |
| Application Denied By Financial Institution | 20 | $3,500,000 | $175,000 | $975,000 | $58,000 | $115,000 |
| Application Withdrawn By Applicant | 20 | $3,580,000 | $179,000 | $415,000 | $92,000 | $170,000 |
| Application Approved But Not Accepted | 9 | $1,025,000 | $113,000 | $215,000 | $74,000 | $149,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $57,000 | $57,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 398 | $59,690,000 | $149,000 | $475,000 | $96,000 | $969,000 |
| Collateral | 9 | $1,405,000 | $156,000 | $395,000 | $63,000 | $102,000 |
| Debt-To-Income Ratio | 7 | $1,555,000 | $222,000 | $975,000 | $53,000 | $115,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $225,000 | $30,000 | $53,000 |
| Credit History | 1 | $185,000 | $185,000 | $185,000 | $85,000 | $85,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $60,000 | $60,000 |
| 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2018 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.
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