Athens County, OH Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 912 mortgage applications in Athens County, OH totaling $112.8 million, down 16% from 2010. The average application was for $123,000, and applicants reported an average income of $65,000. 47% of applications resulted in an originated loan and 20% were denied. The most active lender was JPMorgan Chase Bank, NA, with 134 applications, followed by Wells Fargo Bank NA and Peoples Bank, National Associa.

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Total Number of Mortgage Applications 912
Total Mortgage Loan Application Amount $112,760,000
Average Mortgage Loan Application Amount $123,000
Highest Mortgage Loan Application Amount $1,900,000
Average Applicant Income $65,000
Highest Applicant Income $889,000

Mortgage Company List for Lending in Athens 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
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 134 $ 16,508,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 98 $ 11,446,000
Peoples Bank, National Associa
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 1,830,322,000 65 $ 7,460,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,495,558,000 60 $ 8,147,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 40 $ 5,369,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 32 $ 4,324,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 22 $ 2,274,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 21 $ 2,354,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 18 $ 2,663,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 18 $ 3,015,000
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ 10,000,000 18 $ 2,159,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 17 $ 1,022,000
Unified Bank
201 S 4TH STREET
MARTINS FERRY, OH 43935
* $ 423,348,000 17 $ 1,454,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,124,635,000 16 $ 1,722,000
Vinton County National Bank
112 W MAIN ST PO BOX 460
MCARTHUR, OH 45651
* $ 700,538,000 16 $ 823,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 13 $ 640,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 11 $ 1,706,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 11 $ 563,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 10 $ 738,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 10 $ 1,736,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 9 $ 1,236,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 247,938,000 9 $ 1,408,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 8 $ 1,048,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 5,348,107,000 8 $ 2,476,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 977,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,699,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 7 $ 735,000
The Bartlett Farmers Bank
PO BOX 57, STATE ROUTE 339
BARLOW, OH 45712
* $ 61,340,000 6 $ 265,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 844,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 6 $ 261,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 6 $ 641,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 5 $ 889,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 512,000
The Milton Banking Company
123 S. OHIO AVE
WELLSTON, OH 45692
* $ 125,729,000 5 $ 1,033,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 4 $ 151,000
The Ohio Valley Bank Company
420 THIRD AVENUE
GALLIPOLIS, OH 45631
* $ 841,306,000 4 $ 1,946,000
Advantage Bank
814 WHEELING AVE
CAMBRIDGE, OH 43725
* $ 816,770,000 4 $ 807,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 4 $ 398,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 4 $ 852,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 4 $ 637,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 4 $ 440,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 785,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 4 $ 793,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 4 $ 449,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 508,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 4 $ 393,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 3 $ 261,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 3 $ 281,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 3 $ 398,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 3 $ 388,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 3 $ 695,000
Belpre Savings Bank
POB 39
BELPRE, OH 45714
* $ 48,456,000 3 $ 244,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 3 $ 346,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 3 $ 416,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 260,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 2 $ 468,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 123,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 172,000
Npb Mortgage LLC
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 145,000,000 2 $ 220,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 2 $ 51,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 593,579,000 2 $ 51,000
Priority Mortgage Corp.
150 E WILSON BRIDGE RD STE 350
WORTHINGTON, OH 43085
* $ 10,000,000 2 $ 309,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 172,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 296,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 2 $ 250,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 190,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 2 $ 431,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 2 $ 248,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 10,833,007,000 2 $ 220,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 2 $ 173,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 77,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 1 $ 113,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 72,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 1 $ 58,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 153,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 144,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 197,000
Park View Savings Bank
30000 AURORA ROAD
SOLON, OH 44139
* $ 840,846,000 1 $ 83,000
First Federal Savings Bank
726 WELLS STREET
SISTERSVILLE, WV 26175
* $ 49,149,000 1 $ 61,000
First Federal S&L of Newark
2 NORTH SECOND STREET
NEWARK, OH 43055
* $ 185,313,000 1 $ 157,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 89,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 1 $ 25,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ 10,000,000 1 $ 343,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 90,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 120,000
Home Finance of America
521 PLYMOUTH ROAD, SUITE 112
PLYMOUTH MEETING, PA 19462
* $ 17,371,000 1 $ 139,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 128,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 149,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 146,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 1 $ 129,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 58,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 126,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 6,237,352,000 1 $ 31,000
Merchants National Bank
100 NORTH HIGH STREET
HILLSBORO, OH 45133
* $ 568,841,000 1 $ 20,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 94,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 31,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 123,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 115,000
West Virginia Central CU
1306 MURDOCH AVE
PARKERSBURG, WV 26101
* $ 86,261,000 1 $ 36,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ 120,570,000 1 $ 16,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 132,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 640,770,000 1 $ 276,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 251,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 540,392,000 1 $ 124,000
Mwabank
100 17TH STREET
ROCK ISLAND, IL 61201
* $ 241,105,000 1 $ 15,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 1 $ 222,000
The Commercial & Savings Bank
91 NORTH CLAY STREET
MILLERSBURG, OH 44654
* $ 456,918,000 1 $ 80,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 3,465,028,000 1 $ 56,000
The Peoples Savings Bank
P. O. BOX 246
NEW MATAMORAS, OH 45767
* $ 43,252,000 1 $ 104,000
Bank of Ann Arbor
1333 W ANN ARBOR ROAD
ANN ARBOR, MI 48104
* $ 690,925,000 1 $ 67,000
The Guernsey Bank
547 HIGH ST
WORTHINGTON, OH 43085
* $ 134,716,000 1 $ 57,000
Insight Bank
150 W WILSON BRIDGE RD
WORTHINGTON, OH 43081
* $ 132,835,000 1 $ 112,000

The tables below break down 2011 mortgage applications in Athens 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 Athens 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 535 $68,006,000 $127,000 $1,900,000 $63,000 $889,000
Home Purchase 336 $40,403,000 $120,000 $750,000 $69,000 $545,000
Home Improvement 41 $4,351,000 $106,000 $1,523,000 $48,000 $121,000

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 734 $85,593,000 $116,000 $750,000 $67,000 $889,000
Not applicable 81 $14,753,000 $182,000 $1,900,000 $17,000 $315,000
Not Provided 70 $8,692,000 $124,000 $288,000 $79,000 $336,000
Asian 16 $2,582,000 $161,000 $307,000 $111,000 $253,000
Black or African American 8 $1,023,000 $127,000 $386,000 $69,000 $173,000
American Indian or Alaskan Native 2 $112,000 $56,000 $102,000 $96,000 $97,000
Hispanic 1 $5,000 $5,000 $5,000 $24,000 $24,000
Native Hawaiian or Other Pacific Islander 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) 630 $74,829,000 $118,000 $1,900,000 $69,000 $889,000
FHA-insured (Federal Housing Administration) 221 $29,675,000 $134,000 $415,000 $58,000 $210,000
VA-guaranteed (Veterans Administration) 49 $7,150,000 $145,000 $357,000 $45,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,106,000 $92,000 $123,000 $43,000 $71,000

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 425 $53,748,000 $126,000 $1,523,000 $74,000 $889,000
Application Denied By Financial Institution 183 $19,239,000 $105,000 $480,000 $57,000 $260,000
Loan Purchased By The Institution 159 $21,200,000 $133,000 $412,000 $44,000 $315,000
Application Approved But Not Accepted 62 $7,743,000 $124,000 $1,900,000 $70,000 $545,000
Application Withdrawn By Applicant 56 $7,382,000 $131,000 $316,000 $75,000 $210,000
File Closed For Incompleteness 27 $3,448,000 $127,000 $260,000 $56,000 $125,000
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 42 $4,534,000 $107,000 $417,000 $69,000 $260,000
Credit History 32 $2,214,000 $69,000 $252,000 $48,000 $143,000
Debt-To-Income Ratio 31 $3,891,000 $125,000 $415,000 $50,000 $142,000
Credit Application Incomplete 18 $2,259,000 $125,000 $256,000 $56,000 $122,000
Insufficient Cash (Downpayment, Closing Cost) 4 $541,000 $135,000 $227,000 $76,000 $112,000
Other 4 $597,000 $149,000 $261,000 $91,000 $158,000
Unverifiable Information 4 $914,000 $228,000 $480,000 $102,000 $260,000
Employment History 2 $184,000 $92,000 $95,000 $30,000 $37,000
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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