Dayton, OH Metro Area Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 88,751 mortgage applications in Dayton, OH metro area totaling $9.1 billion. The average application was for $102,072, and applicants reported an average income of $56,000. 44% of applications resulted in an originated loan and 21% were denied. The most active lender was National City Bank of Indiana, with 5,263 applications, followed by Countrywide Home Loans and Ameriquest Mortgage Company.
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| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 88,751 |
| Total Mortgage Loan Application Amount | $9,059,006,000 |
| Average Mortgage Loan Application Amount | $102,072 |
| Highest Mortgage Loan Application Amount | $14,200,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $9,000,000 |
Top Mortgage Lenders in Dayton, OH Metro Area (2004)
Ranked by the number of mortgage applications each lender reported in Dayton, OH metro area in 2004.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | National City Bank of Indiana Cleveland, OH |
5,263 | $603,868,000 | $114,000 | $54,000 |
| 2 | Countrywide Home Loans Westlake Village, CA |
4,905 | $580,515,000 | $118,000 | $51,000 |
| 3 | Ameriquest Mortgage Company Orange, CA |
4,260 | $451,068,000 | $105,000 | $83,000 |
| 4 | Union Savings Bank Cincinnati, OH |
3,234 | $367,990,000 | $113,000 | $62,000 |
| 5 | JPMorgan Chase Bank, NA Columbus, OH |
3,231 | $263,614,000 | $81,000 | $58,000 |
| 6 | Wells Fargo Bank, NA Des Moines, IA |
3,114 | $365,704,000 | $117,000 | $49,000 |
| 7 | Fifth Third Mortgage Company Cincinnati, OH |
3,060 | $371,726,000 | $121,000 | $72,000 |
| 8 | Hfc Elmhurst, IL |
2,927 | $262,045,000 | $89,000 | $49,000 |
| 9 | Beneficial Elmhurst, IL |
2,597 | $238,055,000 | $91,000 | $52,000 |
| 10 | Gmac Mortgage LLC Ft. Washington, PA |
2,498 | $235,256,000 | $94,000 | $68,000 |
The tables below break down 2004 mortgage applications in Dayton, OH metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Dayton, OH in 2004
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 | 53,703 | $5,631,260,000 | $104,000 | $14,200,000 | $55,000 | $9,000,000 |
| Home Purchase | 28,928 | $3,181,289,000 | $109,000 | $8,973,000 | $57,000 | $1,979,000 |
| Home Improvement | 6,120 | $246,457,000 | $40,000 | $650,000 | $59,000 | $1,004,000 |
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 | 57,913 | $6,075,782,000 | $104,000 | $2,500,000 | $59,000 | $9,000,000 |
| Not Provided | 12,717 | $1,235,134,000 | $97,000 | $960,000 | $60,000 | $1,800,000 |
| Black or African American | 9,788 | $809,172,000 | $82,000 | $800,000 | $50,000 | $3,498,000 |
| Not applicable | 5,926 | $647,571,000 | $109,000 | $14,200,000 | $12,000 | $1,165,000 |
| Asian | 973 | $141,161,000 | $145,000 | $694,000 | $82,000 | $1,332,000 |
| Hispanic | 926 | $94,822,000 | $102,000 | $613,000 | $57,000 | $377,000 |
| American Indian or Alaskan Native | 367 | $36,514,000 | $99,000 | $686,000 | $61,000 | $667,000 |
| Native Hawaiian or Other Pacific Islander | 141 | $18,850,000 | $133,000 | $750,000 | $63,000 | $719,000 |
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) | 79,895 | $8,106,585,000 | $101,000 | $14,200,000 | $61,000 | $9,000,000 |
| FHA-insured (Federal Housing Administration) | 6,263 | $613,184,000 | $97,000 | $5,666,000 | $33,000 | $1,284,000 |
| VA-guaranteed (Veterans Administration) | 2,529 | $332,027,000 | $131,000 | $322,000 | $36,000 | $280,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $7,210,000 | $112,000 | $180,000 | $34,000 | $68,000 |
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 | 39,480 | $4,269,708,000 | $108,000 | $14,200,000 | $63,000 | $1,681,000 |
| Application Denied By Financial Institution | 18,831 | $1,673,494,000 | $88,000 | $2,500,000 | $52,000 | $3,498,000 |
| Loan Purchased By The Institution | 10,956 | $1,181,927,000 | $107,000 | $800,000 | $37,000 | $1,284,000 |
| Application Withdrawn By Applicant | 10,338 | $1,057,148,000 | $102,000 | $960,000 | $60,000 | $2,472,000 |
| Application Approved But Not Accepted | 7,225 | $678,199,000 | $93,000 | $1,037,000 | $59,000 | $960,000 |
| File Closed For Incompleteness | 1,921 | $198,530,000 | $103,000 | $1,520,000 | $63,000 | $9,000,000 |
| 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 | 5,168 | $402,488,000 | $77,000 | $700,000 | $51,000 | $1,332,000 |
| Other | 4,453 | $429,956,000 | $96,000 | $1,129,000 | $59,000 | $1,680,000 |
| Debt-To-Income Ratio | 2,104 | $188,994,000 | $89,000 | $2,500,000 | $42,000 | $836,000 |
| Collateral | 1,896 | $186,736,000 | $98,000 | $1,750,000 | $63,000 | $3,498,000 |
| Credit Application Incomplete | 1,504 | $143,969,000 | $95,000 | $1,550,000 | $52,000 | $650,000 |
| Unverifiable Information | 229 | $24,602,000 | $107,000 | $459,000 | $51,000 | $259,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 183 | $17,012,000 | $92,000 | $523,000 | $51,000 | $439,000 |
| Employment History | 125 | $9,874,000 | $78,000 | $374,000 | $44,000 | $192,000 |
| Mortgage Insurance Denied | 7 | $691,000 | $98,000 | $165,000 | $40,000 | $75,000 |
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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