The First State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
The First State Bank 2010 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 | 1,429 |
| Total Mortgage Loan Application Amount | $200,684,000 |
| Average Mortgage Loan Application Amount | $136,500 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $93,500 |
| Highest Applicant Income | $7,568,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 145 | $ 21,533,000 | $ 148,000 | $ 103,000 |
| Muskingum County Ohio | 82 | $ 11,517,000 | $ 140,000 | $ 101,000 |
| Fayette County Kentucky | 67 | $ 13,535,000 | $ 202,000 | $ 151,000 |
| Montgomery County Kentucky | 66 | $ 8,193,000 | $ 124,000 | $ 77,000 |
| Dubois County Indiana | 61 | $ 9,144,000 | $ 149,000 | $ 75,000 |
| Putnam County West Virginia | 56 | $ 10,688,000 | $ 190,000 | $ 108,000 |
| Pulaski County Kentucky | 52 | $ 7,400,000 | $ 142,000 | $ 79,000 |
| Auglaize County Ohio | 52 | $ 7,860,000 | $ 151,000 | $ 87,000 |
| Putnam County Ohio | 52 | $ 7,489,000 | $ 144,000 | $ 79,000 |
| Warren County Kentucky | 39 | $ 5,584,000 | $ 143,000 | $ 71,000 |
| Washington County Ohio | 38 | $ 4,766,000 | $ 125,000 | $ 80,000 |
| Noble County Ohio | 30 | $ 3,383,000 | $ 112,000 | $ 78,000 |
| Graves County Kentucky | 29 | $ 3,769,000 | $ 129,000 | $ 85,000 |
| Stark County Ohio | 28 | $ 3,255,000 | $ 116,000 | $ 73,000 |
| Defiance County Ohio | 25 | $ 2,628,000 | $ 105,000 | $ 60,000 |
| Whitley County Kentucky | 24 | $ 2,758,000 | $ 114,000 | $ 86,000 |
| Bourbon County Kentucky | 23 | $ 4,147,000 | $ 180,000 | $ 102,000 |
| Spencer County Indiana | 21 | $ 2,383,000 | $ 113,000 | $ 70,000 |
| Athens County Ohio | 21 | $ 3,033,000 | $ 144,000 | $ 83,000 |
| Ottawa County Ohio | 20 | $ 3,435,000 | $ 171,000 | $ 116,000 |
| Perry County Ohio | 20 | $ 2,287,000 | $ 114,000 | $ 59,000 |
| Hocking County Ohio | 19 | $ 1,924,000 | $ 101,000 | $ 64,000 |
| Clark County Kentucky | 18 | $ 2,941,000 | $ 163,000 | $ 75,000 |
| Kalamazoo County Michigan | 18 | $ 1,872,000 | $ 104,000 | $ 77,000 |
| Shelby County Ohio | 17 | $ 2,083,000 | $ 122,000 | $ 66,000 |
| Columbiana County Ohio | 14 | $ 1,478,000 | $ 105,000 | $ 77,000 |
| Knox County Kentucky | 13 | $ 1,515,000 | $ 116,000 | $ 73,000 |
| Guernsey County Ohio | 13 | $ 1,316,000 | $ 101,000 | $ 77,000 |
| Adair County Kentucky | 12 | $ 932,000 | $ 77,000 | $ 47,000 |
| Laurel County Kentucky | 12 | $ 1,711,000 | $ 142,000 | $ 132,000 |
| Lake County Michigan | 12 | $ 1,049,000 | $ 87,000 | $ 58,000 |
| Carroll County Ohio | 12 | $ 1,791,000 | $ 149,000 | $ 68,000 |
| Hart County Kentucky | 10 | $ 865,000 | $ 86,000 | $ 60,000 |
| Morgan County Ohio | 10 | $ 939,000 | $ 93,000 | $ 60,000 |
| Kanawha County West Virginia | 10 | $ 1,275,000 | $ 127,000 | $ 100,000 |
| McCracken County Kentucky | 9 | $ 1,384,000 | $ 153,000 | $ 164,000 |
| Jessamine County Kentucky | 8 | $ 2,237,000 | $ 279,000 | $ 170,000 |
| Allen County Ohio | 8 | $ 1,077,000 | $ 134,000 | $ 82,000 |
| Belmont County Ohio | 8 | $ 734,000 | $ 91,000 | $ 73,000 |
| Henry County Ohio | 8 | $ 826,000 | $ 103,000 | $ 70,000 |
| Barren County Kentucky | 7 | $ 922,000 | $ 131,000 | $ 105,000 |
| Calloway County Kentucky | 7 | $ 1,448,000 | $ 206,000 | $ 81,000 |
| Cumberland County Kentucky | 7 | $ 864,000 | $ 123,000 | $ 79,000 |
| Tuscola County Michigan | 7 | $ 667,000 | $ 95,000 | $ 56,000 |
| Madison County Kentucky | 6 | $ 1,283,000 | $ 213,000 | $ 139,000 |
| Clinton County Kentucky | 5 | $ 565,000 | $ 113,000 | $ 68,000 |
| Lawrence County Ohio | 5 | $ 613,000 | $ 122,000 | $ 66,000 |
| Meigs County Ohio | 5 | $ 652,000 | $ 130,000 | $ 54,000 |
| Pickaway County Ohio | 5 | $ 777,000 | $ 155,000 | $ 71,000 |
| Mason County West Virginia | 5 | $ 530,000 | $ 106,000 | $ 62,000 |
| Bath County Kentucky | 4 | $ 513,000 | $ 128,000 | $ 81,000 |
| Jefferson County Kentucky | 4 | $ 710,000 | $ 177,000 | $ 119,000 |
| Menifee County Kentucky | 4 | $ 468,000 | $ 117,000 | $ 69,000 |
| Osceola County Michigan | 4 | $ 509,000 | $ 127,000 | $ 82,000 |
| Geauga County Ohio | 4 | $ 858,000 | $ 214,000 | $ 114,000 |
| Hancock County Ohio | 4 | $ 630,000 | $ 157,000 | $ 97,000 |
| Licking County Ohio | 4 | $ 653,000 | $ 163,000 | $ 88,000 |
| Mercer County Ohio | 4 | $ 485,000 | $ 121,000 | $ 80,000 |
| Wayne County West Virginia | 4 | $ 559,000 | $ 139,000 | $ 115,000 |
| Vanderburgh County Indiana | 3 | $ 645,000 | $ 215,000 | $ 161,000 |
| Logan County Kentucky | 3 | $ 487,000 | $ 162,000 | $ 108,000 |
| Marshall County Kentucky | 3 | $ 334,000 | $ 111,000 | $ 56,000 |
| Scott County Kentucky | 3 | $ 786,000 | $ 262,000 | $ 5,133,000 |
| Simpson County Kentucky | 3 | $ 474,000 | $ 158,000 | $ 72,000 |
| Huron County Michigan | 3 | $ 246,000 | $ 82,000 | $ 53,000 |
| Kent County Michigan | 3 | $ 443,000 | $ 147,000 | $ 124,000 |
| Mecosta County Michigan | 3 | $ 294,000 | $ 98,000 | $ 49,000 |
| St. Joseph County Michigan | 3 | $ 197,000 | $ 65,000 | $ 151,000 |
| Fairfield County Ohio | 3 | $ 478,000 | $ 159,000 | $ 51,000 |
| Paulding County Ohio | 3 | $ 383,000 | $ 127,000 | $ 69,000 |
| Lincoln County West Virginia | 3 | $ 229,000 | $ 76,000 | $ 72,000 |
| Wood County West Virginia | 3 | $ 200,000 | $ 66,000 | $ 51,000 |
| St. Johns County Florida | 2 | $ 130,000 | $ 65,000 | $ 197,000 |
| Warrick County Indiana | 2 | $ 202,000 | $ 101,000 | $ 88,000 |
| Butler County Kentucky | 2 | $ 241,000 | $ 120,000 | $ 62,000 |
| Hardin County Kentucky | 2 | $ 233,000 | $ 116,000 | $ 61,000 |
| Powell County Kentucky | 2 | $ 161,000 | $ 80,000 | $ 43,000 |
| Russell County Kentucky | 2 | $ 324,000 | $ 162,000 | $ 73,000 |
| Trigg County Kentucky | 2 | $ 151,000 | $ 75,000 | $ 61,000 |
| Woodford County Kentucky | 2 | $ 578,000 | $ 289,000 | $ 226,000 |
| Frederick County Maryland | 2 | $ 366,000 | $ 183,000 | $ 219,000 |
| Lapeer County Michigan | 2 | $ 151,000 | $ 75,000 | $ 52,000 |
| Manistee County Michigan | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| Wexford County Michigan | 2 | $ 235,000 | $ 117,000 | $ 58,000 |
| Cuyahoga County Ohio | 2 | $ 192,000 | $ 96,000 | $ 69,000 |
| Hardin County Ohio | 2 | $ 182,000 | $ 91,000 | $ 32,000 |
| Mahoning County Ohio | 2 | $ 372,000 | $ 186,000 | $ 127,000 |
| Medina County Ohio | 2 | $ 335,000 | $ 167,000 | $ 47,000 |
| Monroe County Ohio | 2 | $ 284,000 | $ 142,000 | $ 58,000 |
| Portage County Ohio | 2 | $ 159,000 | $ 79,000 | $ 58,000 |
| Trumbull County Ohio | 2 | $ 269,000 | $ 134,000 | $ 61,000 |
| Tuscarawas County Ohio | 2 | $ 238,000 | $ 119,000 | $ 52,000 |
| Vinton County Ohio | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Pickett County Tennessee | 2 | $ 262,000 | $ 131,000 | $ 188,000 |
| Boone County West Virginia | 2 | $ 274,000 | $ 137,000 | $ 99,000 |
| Fayette County West Virginia | 2 | $ 153,000 | $ 76,000 | $ 109,000 |
| Raleigh County West Virginia | 2 | $ 259,000 | $ 129,000 | $ 109,000 |
| Collier County Florida | 1 | $ 308,000 | $ 308,000 | $ 261,000 |
| Indian River County Florida | 1 | $ 417,000 | $ 417,000 | $ 146,000 |
| Palm Beach County Florida | 1 | $ 271,000 | $ 271,000 | $ 103,000 |
| Crawford County Indiana | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Lawrence County Indiana | 1 | $ 72,000 | $ 72,000 | $ 31,000 |
| Marion County Indiana | 1 | $ 42,000 | $ 42,000 | $ 79,000 |
| Martin County Indiana | 1 | $ 141,000 | $ 141,000 | $ 75,000 |
| Pike County Indiana | 1 | $ 138,000 | $ 138,000 | $ 112,000 |
| Allen County Kentucky | 1 | $ 33,000 | $ 33,000 | $ 28,000 |
| Boyd County Kentucky | 1 | $ 161,000 | $ 161,000 | $ 104,000 |
| Christian County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Edmonson County Kentucky | 1 | $ 88,000 | $ 88,000 | $ 49,000 |
| Fleming County Kentucky | 1 | $ 138,000 | $ 138,000 | $ 35,000 |
| Franklin County Kentucky | 1 | $ 252,000 | $ 252,000 | $ 67,000 |
| Grayson County Kentucky | 1 | $ 280,000 | $ 280,000 | $ 360,000 |
| Harlan County Kentucky | 1 | $ 96,000 | $ 96,000 | $ 88,000 |
| Johnson County Kentucky | 1 | $ 164,000 | $ 164,000 | $ 162,000 |
| Larue County Kentucky | 1 | $ 141,000 | $ 141,000 | $ 59,000 |
| Magoffin County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| McCreary County Kentucky | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Mercer County Kentucky | 1 | $ 108,000 | $ 108,000 | $ 33,000 |
| Monroe County Kentucky | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| Nicholas County Kentucky | 1 | $ 190,000 | $ 190,000 | $ 96,000 |
| Perry County Kentucky | 1 | $ 84,000 | $ 84,000 | $ 57,000 |
| Rockcastle County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 124,000 |
| Rowan County Kentucky | 1 | $ 356,000 | $ 356,000 | $ 131,000 |
| Wayne County Kentucky | 1 | $ 220,000 | $ 220,000 | $ 112,000 |
| Branch County Michigan | 1 | $ 40,000 | $ 40,000 | $ 90,000 |
| Ionia County Michigan | 1 | $ 134,000 | $ 134,000 | $ 108,000 |
| Newaygo County Michigan | 1 | $ 81,000 | $ 81,000 | $ 142,000 |
| Sanilac County Michigan | 1 | $ 84,000 | $ 84,000 | $ 43,000 |
| Van Buren County Michigan | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Chemung County New York | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Brunswick County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Ashtabula County Ohio | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Champaign County Ohio | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Clermont County Ohio | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Coshocton County Ohio | 1 | $ 234,000 | $ 234,000 | $ 83,000 |
| Franklin County Ohio | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| Harrison County Ohio | 1 | $ 56,000 | $ 56,000 | $ 43,000 |
| Jackson County Ohio | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Jefferson County Ohio | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Lorain County Ohio | 1 | $ 80,000 | $ 80,000 | $ 55,000 |
| Pike County Ohio | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Summit County Ohio | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Wayne County Ohio | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| Allegheny County Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 53,000 |
| Berks County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 139,000 |
| Lancaster County Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 23,000 |
| Montgomery County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 442,000 |
| Horry County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 239,000 |
| Newberry County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 81,000 |
| Obion County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 43,000 |
| Rutherford County Tennessee | 1 | $ 133,000 | $ 133,000 | $ 66,000 |
| Jackson County West Virginia | 1 | $ 284,000 | $ 284,000 | $ 190,000 |
| Monongalia County West Virginia | 1 | $ 107,000 | $ 107,000 | $ 208,000 |
| Nicholas County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Pendleton County West Virginia | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for The First State Bank in 2010
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 | 1,071 | $154,446,000 | $144,000 | $417,000 | $105,000 | $7,568,000 |
| Home Purchase | 358 | $46,238,000 | $129,000 | $525,000 | $82,000 | $951,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,367 | $191,773,000 | $140,000 | $525,000 | $100,000 | $7,568,000 |
| Not Provided | 31 | $3,889,000 | $125,000 | $260,000 | $74,000 | $205,000 |
| Hispanic | 13 | $1,669,000 | $128,000 | $227,000 | $65,000 | $221,000 |
| Black or African American | 7 | $1,659,000 | $237,000 | $417,000 | $142,000 | $528,000 |
| Asian | 6 | $808,000 | $134,000 | $200,000 | $106,000 | $400,000 |
| American Indian or Alaskan Native | 3 | $540,000 | $180,000 | $264,000 | $105,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $248,000 | $248,000 | $248,000 | $77,000 | $77,000 |
| Not applicable | 1 | $98,000 | $98,000 | $98,000 | $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) | 1,392 | $196,857,000 | $141,000 | $525,000 | $101,000 | $7,568,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,827,000 | $103,000 | $198,000 | $47,000 | $78,000 |
| 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 | 1,132 | $159,641,000 | $141,000 | $417,000 | $105,000 | $7,568,000 |
| Application Denied By Financial Institution | 171 | $21,663,000 | $126,000 | $417,000 | $69,000 | $528,000 |
| Application Withdrawn By Applicant | 59 | $9,997,000 | $169,000 | $525,000 | $103,000 | $442,000 |
| Application Approved But Not Accepted | 57 | $8,128,000 | $142,000 | $417,000 | $86,000 | $951,000 |
| File Closed For Incompleteness | 9 | $1,162,000 | $129,000 | $300,000 | $65,000 | $197,000 |
| Loan Purchased By The Institution | 1 | $93,000 | $93,000 | $93,000 | $58,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $56,000 | $56,000 | $56,000 | $43,000 | $43,000 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First State Bank's 2010 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.