Adams County, OH Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 873 mortgage applications in Adams County, OH totaling $81.5 million, about the same as 2010. The average application was for $93,000, and applicants reported an average income of $55,000. 48% of applications resulted in an originated loan and 28% were denied. The most active lender was Fifth Third Bank, with 191 applications, followed by First State Bank and Fifth Third Mortgage Company.

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Total Number of Mortgage Applications 873
Total Mortgage Loan Application Amount $81,537,000
Average Mortgage Loan Application Amount $93,000
Highest Mortgage Loan Application Amount $410,000
Average Applicant Income $55,000
Highest Applicant Income $520,000

Mortgage Company List for Lending in Adams County, OH for 2011

* 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
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 191 $ 13,750,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 215,545,000 174 $ 18,144,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 88 $ 9,314,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 45 $ 4,157,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 29 $ 2,906,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 26 $ 2,500,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 20 $ 814,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 17 $ 1,707,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 16 $ 2,197,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 15 $ 930,000
Merchants National Bank
100 NORTH HIGH STREET
HILLSBORO, OH 45133
* $ 568,841,000 13 $ 1,054,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 11 $ 960,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,124,635,000 10 $ 1,079,000
Incenta
175 W. WENGER ROAD
ENGLEWOOD, OH 45322
* $ 68,977,000 10 $ 580,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 9 $ 937,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 8 $ 765,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 8 $ 937,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 7 $ 713,000
Ripley Federal Savings Bank
1006 S. SECOND ST, P.O. BOX 220
RIPLEY, OH 45167
* $ 75,765,000 7 $ 973,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 7 $ 603,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 7 $ 635,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 6 $ 765,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 4 $ 472,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 332,000
The National Bank and Trust Co
48 N SOUTH STREET
WILMINGTON, OH 45177
* $ 689,900,000 4 $ 263,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 10,833,007,000 4 $ 725,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 998,891,000 4 $ 373,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 3 $ 200,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 411,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 3 $ 165,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 3 $ 409,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 3 $ 446,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ 2,915,000 3 $ 259,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 3 $ 537,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 1,193,270,000 3 $ 427,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 464,871,000 3 $ 240,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 242,954,000 2 $ 279,000
Citizens Deposit Bank & Trust
PO BOX 9 10 SECOND STREET
VANCEBURG, KY 41179
* $ 199,980,000 2 $ 35,000
The Ohio Valley Bank Company
420 THIRD AVENUE
GALLIPOLIS, OH 45631
* $ 841,306,000 2 $ 176,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 5,348,107,000 2 $ 138,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 245,000
Community Savings Bank
503 WEST PLANE STREET
BETHEL, OH 45106
* $ 42,187,000 2 $ 85,000
Day Air Credit Union
3501 WILMINGTON PIKE
KETTERING, OH 45429
* $ 214,627,000 2 $ 270,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 2 $ 113,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 212,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,495,558,000 2 $ 309,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 246,000
Sibcy Cline Mortgage Services, Inc.
8044 MONTGOMERY RD. SUITE 301
CINCINNATI, OH 45236
* $ 10,000,000 2 $ 285,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 199,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 168,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 249,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 2 $ 238,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 2 $ 379,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 2 $ 162,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 2 $ 151,000
National Cooperative Bank N.A.
139 HIGH STREET
HILLSBORO, OH 45133
* $ 1,449,210,000 2 $ 97,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,166,000 1 $ 59,000
American Savings Bank, FSB
503 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 231,356,000 1 $ 130,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,147,152,000 1 $ 134,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 1 $ 70,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 1,374,407,000 1 $ 20,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 241,311,000 1 $ 13,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 735,798,000 1 $ 93,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 70,506,963,000 1 $ 15,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,029,891,000 1 $ 171,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 72,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 64,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 120,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 1 $ 134,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 1 $ 10,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 3,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 1 $ 49,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 91,000
Amerifirst Financial Corporati
616 WEST CENTRE AVENUE
PORTAGE, MI 49024
* $ 10,000,000 1 $ 99,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 116,000
1st National Bank
1160 E. MAIN STREET
LEBANON, OH 45036
* $ 112,752,000 1 $ 205,000
Old National Bank
1 MAIN STREET
EVANSVILLE, IN 47708
* $ 7,121,605,000 1 $ 38,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 132,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 78,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 84,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 10,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 116,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 50,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 101,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 116,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 85,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 123,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 63,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 115,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 68,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 12,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 77,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 50,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 6,237,352,000 1 $ 40,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 184,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ 115,146,000 1 $ 107,000
First Safety Bank
4901 VINE STREET
CINCINNATI, OH 45217
* $ 55,640,000 1 $ 42,000
Cheviot Savings Bank
3723 GLENMORE AVE
CINCINNATI, OH 45211
* $ 354,696,000 1 $ 134,000
Columbia Savings Bank
411 LUDLOW AVENUE
CINCINNATI, OH 45220
* $ 55,203,000 1 $ 99,000
Sharefax Credit Union
1147 OLD STATE ROUTE 74
CINCINNATI, OH 45245
* $ 259,213,000 1 $ 10,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 1,997,721,000 1 $ 160,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 54,572,000 1 $ 93,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 2,240,280,000 1 $ 200,000
Citizens Bank of Northern Ky
103 CHURCHILL DRIVE
NEWPORT, KY 41071
* $ 249,920,000 1 $ 30,000

The tables below break down 2011 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 2011

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 601 $60,315,000 $100,000 $410,000 $59,000 $358,000
Home Purchase 231 $19,615,000 $84,000 $270,000 $46,000 $520,000
Home Improvement 41 $1,607,000 $39,000 $141,000 $42,000 $116,000

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 755 $71,089,000 $94,000 $410,000 $58,000 $520,000
Not Provided 69 $6,360,000 $92,000 $177,000 $55,000 $120,000
Not applicable 32 $2,846,000 $88,000 $270,000 $2,000 $74,000
American Indian or Alaskan Native 10 $541,000 $54,000 $107,000 $38,000 $138,000
Hispanic 5 $553,000 $110,000 $170,000 $51,000 $93,000
Native Hawaiian or Other Pacific Islander 1 $108,000 $108,000 $108,000 $0 $0
Asian 1 $40,000 $40,000 $40,000 $21,000 $21,000
Black or African American 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) 693 $63,450,000 $91,000 $410,000 $59,000 $520,000
FHA-insured (Federal Housing Administration) 124 $12,920,000 $104,000 $239,000 $40,000 $132,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 40 $3,514,000 $87,000 $181,000 $38,000 $72,000
VA-guaranteed (Veterans Administration) 16 $1,653,000 $103,000 $263,000 $43,000 $84,000

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 417 $39,602,000 $94,000 $410,000 $60,000 $520,000
Application Denied By Financial Institution 242 $21,097,000 $87,000 $343,000 $49,000 $260,000
Loan Purchased By The Institution 79 $7,700,000 $97,000 $252,000 $36,000 $172,000
Application Withdrawn By Applicant 72 $7,243,000 $100,000 $280,000 $57,000 $321,000
Application Approved But Not Accepted 53 $4,816,000 $90,000 $214,000 $68,000 $163,000
File Closed For Incompleteness 10 $1,079,000 $107,000 $169,000 $54,000 $110,000
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 86 $8,509,000 $98,000 $252,000 $60,000 $260,000
Credit History 78 $5,268,000 $67,000 $180,000 $46,000 $101,000
Debt-To-Income Ratio 25 $2,125,000 $85,000 $343,000 $36,000 $123,000
Credit Application Incomplete 10 $830,000 $83,000 $142,000 $62,000 $140,000
Other 7 $948,000 $135,000 $201,000 $71,000 $111,000
Unverifiable Information 7 $560,000 $80,000 $178,000 $40,000 $83,000
Insufficient Cash (Downpayment, Closing Cost) 4 $262,000 $65,000 $91,000 $12,000 $36,000
Employment History 2 $162,000 $81,000 $84,000 $43,000 $60,000
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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