Ashland County, OH Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,306 mortgage applications in Ashland County, OH totaling $249.5 million, up 19% from 2011. The average application was for $108,000, and applicants reported an average income of $62,000. 53% of applications resulted in an originated loan and 20% were denied. The most active lender was Firstmerit Bank NA, with 239 applications, followed by JPMorgan Chase Bank, NA and Huntington National Bank.

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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 2,306
Total Mortgage Loan Application Amount $249,491,000
Average Mortgage Loan Application Amount $108,000
Highest Mortgage Loan Application Amount $5,125,000
Average Applicant Income $62,000
Highest Applicant Income $3,735,000

Mortgage Company List for Lending in Ashland County, OH for 2012

* 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
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 14,420,570,000 239 $ 23,046,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 208 $ 22,902,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 188 $ 19,409,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 182 $ 17,028,000
Firstmerit Mortgage Corp
4455 HILLS AND DALES RD. NW - MTG80
CANTON, OH 44708
* $ 6,000,000,000 177 $ 17,214,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,281,747,000 165 $ 13,522,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 146 $ 16,557,000
Sutton Bank
1 SOUTH MAIN ST
ATTICA, OH 44807
* $ 352,878,000 67 $ 7,459,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 54 $ 6,960,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,033,894,000 45 $ 6,640,000
Mechanics Bank
2 SOUTH MAIN STREET
MANSFIELD, OH 44902
* $ 374,128,000 39 $ 3,786,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 38 $ 4,938,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 37 $ 3,358,000
Main Street Bank Corp
151 N. MARKET ST.
WOOSTER, OH 44691
* $ 410,113,000 37 $ 3,135,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ 544,761,000 31 $ 2,613,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 30 $ 2,936,000
Home Mortgage Assured Corporation
6000 PARKLAND BLVD
MAYFIELD HTS, OH 44124
* $ 10,000,000 28 $ 2,754,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 27 $ 3,370,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 21 $ 2,284,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 19 $ 2,253,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 17 $ 2,252,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 17 $ 213,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 16 $ 1,538,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 15 $ 1,442,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 15 $ 1,968,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 14 $ 1,679,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 13 $ 1,994,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 11,018,418,000 13 $ 2,227,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 13 $ 1,150,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 13 $ 86,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 12 $ 1,155,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 12 $ 1,793,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 10 $ 1,403,000
The Farmers Savings Bank
111 W MAIN ST PO BOX 38
SPENCER, OH 44275
* $ 274,415,000 10 $ 972,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ 10,000,000 8 $ 1,139,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,322,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 8 $ 706,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 8 $ 1,192,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 7 $ 1,541,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 7 $ 567,000
First National Bank
112 W MARKET STREET
ORRVILLE, OH 44646
* $ 403,382,000 6 $ 515,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 6 $ 617,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,716,563,000 6 $ 638,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 733,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 5 $ 459,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 5 $ 624,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 5 $ 665,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 4 $ 704,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 4 $ 411,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 4 $ 471,000
First Federal Bank of Ohio
140 N COLUMBUS ST.
GALION, OH 44833
* $ 255,500,000 4 $ 420,000
Park View Savings Bank
30000 AURORA ROAD
SOLON, OH 44139
* $ 799,668,000 4 $ 525,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 515,461,000 4 $ 26,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 4 $ 501,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 4 $ 368,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 4 $ 489,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 459,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 4 $ 459,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 4 $ 411,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 4 $ 449,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 4 $ 471,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 399,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 348,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 330,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 3 $ 176,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 611,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 3 $ 237,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 348,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 490,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 3 $ 364,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 317,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 3 $ 252,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 235,866,000 3 $ 30,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 3 $ 336,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,361,669,000 2 $ 193,000
Insight Bank
150 W WILSON BRIDGE RD
WORTHINGTON, OH 43081
* $ 157,283,000 2 $ 230,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 2 $ 184,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 257,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 2 $ 152,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 2 $ 192,000
The Apple Creek Banking Company
3 W MAIN ST
APPLE CREEK, OH 44606
* $ 105,547,000 2 $ 263,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 2 $ 262,000
Advantage Credit Union, Inc.
PO BOX 2674
MANSFIELD, OH 44906
* $ 43,511,000 2 $ 148,000
Ces CU
1215 YAUGER ROAD
MOUNT VERNON, OH 43050
* $ 118,748,000 2 $ 634,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 583,350,000 2 $ 1,405,000
Medina County Federal Credit Union
1353 REIMER ROAD
WADSWORTH, OH 44281
* $ 61,839,000 2 $ 259,000
First Priority Financial
3700 HILBORN ROAD, SUITE 700
FAIRFIELD, AL 94534
* $ 19,696,000 2 $ 179,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 109,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 262,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 259,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 243,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 275,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 2 $ 110,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 2 $ 310,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 206,000
American Midwest Mortgage Corporation
6363 YORK ROAD
PARMA HEIGHTS, OH 44130
* $ 10,000,000 2 $ 194,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 297,000
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ 10,000,000 2 $ 149,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 2 $ 27,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 2 $ 97,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 1 $ 120,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 80,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ 10,000,000 1 $ 150,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 1 $ 200,000
The Bankers Guarantee Title & Trust Company
1113 MEDINA ROAD SUITE # 400
MEDINA, OH 44256
* $ 10,000,000 1 $ 90,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 1 $ 69,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 83,000
First Security Mortgage Corp.
15887 SNOW RD SUITE 200
BROOK PARK, OH 44142
* $ 10,000,000 1 $ 139,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 129,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 141,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 170,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 86,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 82,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 1 $ 202,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 120,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 97,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 206,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ 10,000,000 1 $ 5,125,000
Mission Loans, LLC

IRVINE, CA 92612
* $ 26,491,000 1 $ 140,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ 10,000,000 1 $ 277,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 140,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 52,000
Union Capital Mortgage Corp
7676 REYNOLDS ROAD
MENTOR, OH 44060
* $ 10,000,000 1 $ 243,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 69,000
State Highway Patrol FCU
1900 POLARIS PARKWAY, SUITE 400
COLUMBUS, OH 43240
* $ 60,289,000 1 $ 85,000
First Financial Bank
214 N WASHINGTON STREET
EL DORADO, AR 71730
* $ 791,266,000 1 $ 938,000
The Commercial & Savings Bank
91 NORTH CLAY STREET
MILLERSBURG, OH 44654
* $ 550,991,000 1 $ 299,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 564,961,000 1 $ 137,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 93,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ 1,107,953,000 1 $ 68,000
The Cortland Savings and Banking Company
194 W. MAIN STREET
CORTLAND, OH 44410
* $ 516,479,000 1 $ 106,000
Farmers Citizens Bank
105 WASHNGTON SQUARE
BUCYRUS, OH 44820
* $ 356,769,000 1 $ 134,000
Tower Bank and Trust
116 E BERRY ST
FT WAYNE, IN 46802
* $ 701,755,000 1 $ 175,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 5,520,183,000 1 $ 10,000
Unity Catholic Federal Credit Union
5839 RIDGE ROAD
PARMA, OH 44129
* $ 68,324,000 1 $ 45,000
Century FCU
1240 EAST 9TH STREET AJ CELEBREZZE FEDERAL BUILDING SUITE 719
CLEVELAND, OH 44199
* $ 314,959,000 1 $ 113,000
Columbus Metro Federal Credit Union
4000 E BROAD ST
COLUMBUS, OH 43213
* $ 215,738,000 1 $ 138,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 4,479,945,000 1 $ 67,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 546,918,000 1 $ 103,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 6,350,770,000 1 $ 125,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 146,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 1 $ 10,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 12,527,568,000 1 $ 140,000
Lorain National Bank
457 BROADWAY AVE
LORAIN, OH 44052
* $ 1,167,862,000 1 $ 132,000
Peoples Bank, National Associa
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 1,788,701,000 1 $ 140,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 80,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 174,000
Benchmark Bank
461 BEECHER ROAD
GAHANNA, OH 43230
* $ 111,938,000 1 $ 104,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,218,607,000 1 $ 81,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 584,153,000 1 $ 237,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 164,000
First Federal Savings & Loan Association of Lorain
3721 OBERLIN AVE
LORAIN, OH 44053
* $ 488,307,000 1 $ 160,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 118,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 1 $ 88,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 1 $ 152,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 194,000

The tables below break down 2012 mortgage applications in Ashland 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 Ashland County, OH in 2012

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 1,524 $178,775,000 $117,000 $5,125,000 $63,000 $1,158,000
Home Purchase 620 $65,268,000 $105,000 $399,000 $59,000 $3,735,000
Home Improvement 162 $5,448,000 $33,000 $301,000 $54,000 $349,000

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 1,918 $198,971,000 $103,000 $938,000 $61,000 $1,158,000
Not Provided 237 $25,427,000 $107,000 $597,000 $65,000 $950,000
Not applicable 113 $21,272,000 $188,000 $5,125,000 $61,000 $3,735,000
Hispanic 16 $1,755,000 $109,000 $218,000 $70,000 $400,000
American Indian or Alaskan Native 9 $730,000 $81,000 $119,000 $108,000 $458,000
Black or African American 6 $702,000 $117,000 $225,000 $37,000 $65,000
Asian 4 $390,000 $97,000 $129,000 $41,000 $47,000
Native Hawaiian or Other Pacific Islander 3 $244,000 $81,000 $85,000 $58,000 $97,000

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) 1,703 $175,401,000 $102,000 $2,700,000 $68,000 $3,735,000
FHA-insured (Federal Housing Administration) 424 $50,028,000 $117,000 $5,125,000 $41,000 $600,000
VA-guaranteed (Veterans Administration) 101 $14,939,000 $147,000 $399,000 $49,000 $249,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 78 $9,123,000 $116,000 $938,000 $42,000 $239,000

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 1,224 $134,788,000 $110,000 $5,125,000 $69,000 $3,735,000
Application Denied By Financial Institution 463 $44,559,000 $96,000 $750,000 $55,000 $600,000
Loan Purchased By The Institution 389 $42,754,000 $109,000 $298,000 $46,000 $240,000
Application Withdrawn By Applicant 132 $15,571,000 $117,000 $1,300,000 $58,000 $950,000
Application Approved But Not Accepted 54 $5,960,000 $110,000 $298,000 $77,000 $1,158,000
File Closed For Incompleteness 44 $5,859,000 $133,000 $289,000 $70,000 $400,000
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 123 $9,513,000 $77,000 $750,000 $55,000 $600,000
Collateral 117 $12,840,000 $109,000 $326,000 $65,000 $450,000
Debt-To-Income Ratio 76 $7,246,000 $95,000 $252,000 $37,000 $124,000
Credit Application Incomplete 59 $6,466,000 $109,000 $275,000 $61,000 $250,000
Other 24 $2,067,000 $86,000 $168,000 $54,000 $321,000
Insufficient Cash (Downpayment, Closing Cost) 21 $2,556,000 $121,000 $219,000 $53,000 $114,000
Employment History 7 $666,000 $95,000 $139,000 $49,000 $125,000
Unverifiable Information 5 $365,000 $73,000 $171,000 $47,000 $80,000
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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