Adams County, OH Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 875 mortgage applications in Adams County, OH totaling $82.2 million, down 15% from 2009. The average application was for $93,000, and applicants reported an average income of $59,000. 49% of applications resulted in an originated loan and 26% were denied. The most active lender was First State Bank, with 182 applications, followed by Fifth Third Bank and Fifth Third Mortgage Company.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 875 |
| Total Mortgage Loan Application Amount | $82,207,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $1,488,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First State Bank 19230 STATE ROUTE 136 WINCHESTER, OH 45697 |
* | $ 198,818,000 | 182 | $ 20,048,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 145 | $ 10,676,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 139 | $ 13,550,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 36 | $ 2,762,000 |
| Citifinancial, Inc 300 ST PAUL PLACE BALTIMORE, MD 21020 |
* | $ 1,494,037,000,000 | 25 | $ 1,885,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 24 | $ 3,492,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 22 | $ 2,039,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 22 | $ 1,798,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 21 | $ 970,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 19 | $ 1,588,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 17 | $ 1,639,000 |
| Merchants National Bank 100 NORTH HIGH STREET HILLSBORO, OH 45133 |
* | $ 545,510,000 | 12 | $ 1,002,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ 2,915,000 | 12 | $ 1,295,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 733,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,945,709,000 | 10 | $ 1,224,000 |
| Incenta 175 W. WENGER ROAD ENGLEWOOD, OH 45322 |
* | $ 66,843,000 | 9 | $ 720,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 672,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 7 | $ 283,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 802,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 755,000 |
| Ncb, FSB 139 SOUTH HIGH STREET HILLSBORO, OH 45133 |
* | $ 1,589,722,000 | 6 | $ 539,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 6 | $ 221,000 |
| Ripley Federal Savings Bank 1006 SOUTH 2ND STREET RIPLEY, OH 45167 |
* | $ 86,914,000 | 6 | $ 553,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 5 | $ 434,000 |
| Guardian Savings Bank, FSB 5901 COLERAIN AV CINCINNATI, OH 45239 |
* | $ 685,310,000 | 5 | $ 670,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 5 | $ 431,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 441,000 |
| The National Bank and Trust Co 48 N SOUTH STREET WILMINGTON, OH 45177 |
* | $ 649,689,000 | 4 | $ 284,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 408,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,272,096,000 | 4 | $ 568,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 683,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 4 | $ 534,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 320,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 3 | $ 136,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,919,085,000 | 3 | $ 175,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 3 | $ 132,000 |
| First Safety Bank 4901 VINE STREET CINCINNATI, OH 45217 |
* | $ 55,755,000 | 2 | $ 185,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 2 | $ 50,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 2 | $ 131,000 |
| Desco Federal Credit Union 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 240,259,000 | 2 | $ 203,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 2 | $ 62,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 231,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 248,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 285,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 2 | $ 171,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 302,000 |
| Sharefax Credit Union 1147 OLD STATE ROUTE 74 CINCINNATI, OH 45245 |
* | $ 245,153,000 | 2 | $ 325,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 2 | $ 289,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Mfc Mortgage Inc of Florida 851 TRAFALGAR COURT SUITE 320W MAITLAND, FL 32751 |
* | $ 15,000,000 | 1 | $ 159,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 130,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 91,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 451,692,000 | 1 | $ 47,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 1,749,349,000 | 1 | $ 21,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 1 | $ 27,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 1,038,120,000 | 1 | $ 155,000 |
| Superior Financial Solutions 4230 ELIDA RD LIMA, OH 45807 |
* | $ 733,000 | 1 | $ 240,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 116,000 |
| The Equitable Mortgage Corporation 655 METRO PLACE SOUTH SUITE 500 DUBLIN, OH 43017 |
* | $ 10,000,000 | 1 | $ 217,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 10,000,000 | 1 | $ 224,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 66,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 236,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 29,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 10,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 123,000 |
| Emery Federal Credit Union 7890 EAST KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 132,226,000 | 1 | $ 10,000 |
| Columbia Savings Bank 411 LUDLOW AVENUE CINCINNATI, OH 45220 |
* | $ 55,824,000 | 1 | $ 116,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 276,676,000 | 1 | $ 100,000 |
| Directions Credit Union 5121 WHITEFORD ROAD TOLEDO, OH 43604 |
* | $ 519,060,000 | 1 | $ 130,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 97,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 72,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 221,832,000 | 1 | $ 104,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 79,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 143,000 |
| American Savings Bank 503 CHILLICOTHE ST PORTSMOUTH, OH 45662 |
* | $ 219,069,000 | 1 | $ 85,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 142,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,671,924,000 | 1 | $ 75,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 54,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 123,449,000 | 1 | $ 60,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,192,761,000 | 1 | $ 30,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,378,160,000 | 1 | $ 90,000 |
| Riverhills Bank 553 CHAMBER DRIVE MILFORD, OH 45150 |
* | $ 126,970,000 | 1 | $ 166,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 138,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 102,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,187,246,000 | 1 | $ 24,000 |
The tables below break down 2010 mortgage applications in Adams County, OH by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Adams County, OH 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 | 599 | $61,198,000 | $102,000 | $400,000 | $60,000 | $1,488,000 |
| Home Purchase | 241 | $19,651,000 | $81,000 | $400,000 | $57,000 | $943,000 |
| Home Improvement | 35 | $1,358,000 | $38,000 | $120,000 | $59,000 | $427,000 |
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 | 779 | $72,301,000 | $92,000 | $400,000 | $60,000 | $1,488,000 |
| Not Provided | 59 | $5,899,000 | $99,000 | $284,000 | $68,000 | $581,000 |
| Not applicable | 29 | $2,903,000 | $100,000 | $251,000 | $2,000 | $85,000 |
| American Indian or Alaskan Native | 5 | $706,000 | $141,000 | $276,000 | $226,000 | $580,000 |
| Hispanic | 2 | $239,000 | $119,000 | $170,000 | $47,000 | $49,000 |
| Black or African American | 1 | $159,000 | $159,000 | $159,000 | $25,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 680 | $62,437,000 | $91,000 | $400,000 | $65,000 | $1,488,000 |
| FHA-insured (Federal Housing Administration) | 152 | $14,732,000 | $96,000 | $224,000 | $38,000 | $184,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,404,000 | $136,000 | $295,000 | $37,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,634,000 | $90,000 | $142,000 | $46,000 | $77,000 |
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 Originated | 426 | $41,356,000 | $97,000 | $400,000 | $67,000 | $943,000 |
| Application Denied By Financial Institution | 231 | $20,659,000 | $89,000 | $399,000 | $56,000 | $1,488,000 |
| Loan Purchased By The Institution | 86 | $7,705,000 | $89,000 | $280,000 | $35,000 | $220,000 |
| Application Withdrawn By Applicant | 72 | $6,507,000 | $90,000 | $240,000 | $62,000 | $581,000 |
| Application Approved But Not Accepted | 43 | $4,147,000 | $96,000 | $377,000 | $53,000 | $199,000 |
| File Closed For Incompleteness | 17 | $1,833,000 | $107,000 | $236,000 | $52,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 64 | $7,044,000 | $110,000 | $399,000 | $85,000 | $1,488,000 |
| Credit History | 58 | $3,530,000 | $60,000 | $192,000 | $57,000 | $249,000 |
| Debt-To-Income Ratio | 42 | $4,369,000 | $104,000 | $295,000 | $41,000 | $94,000 |
| Unverifiable Information | 7 | $515,000 | $73,000 | $104,000 | $44,000 | $105,000 |
| Employment History | 6 | $454,000 | $75,000 | $176,000 | $29,000 | $65,000 |
| Other | 5 | $502,000 | $100,000 | $196,000 | $61,000 | $87,000 |
| Credit Application Incomplete | 5 | $401,000 | $80,000 | $138,000 | $41,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $167,000 | $83,000 | $104,000 | $37,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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