Dayton, OH Metro Area Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 35,899 mortgage applications in Dayton, OH metro area totaling $5.1 billion, up 19% from 2015. The average application was for $141,247, and applicants reported an average income of $64,000. 49% of applications resulted in an originated loan and 16% were denied. The most active lender was Mycumortgage, with 4,665 applications, followed by Union Savings Bank and US Bank, N.A..
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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 | 35,899 |
| Total Mortgage Loan Application Amount | $5,070,661,000 |
| Average Mortgage Loan Application Amount | $141,247 |
| Highest Mortgage Loan Application Amount | $24,392,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $7,797,000 |
Top Mortgage Lenders in Dayton, OH Metro Area (2016)
Ranked by the number of mortgage applications each lender reported in Dayton, OH metro area in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Mycumortgage Beavercreek, OH |
4,665 | $514,423,000 | $110,000 | $16,000 |
| 2 | Union Savings Bank Cincinnati, OH |
4,183 | $652,522,000 | $155,000 | $97,000 |
| 3 | US Bank, N.A. Cincinnati, OH |
1,897 | $192,995,000 | $101,000 | $57,000 |
| 4 | Wells Fargo Bank NA Minneapolis, MN |
1,464 | $227,149,000 | $155,000 | $67,000 |
| 5 | Fifth Third Mortgage Company Cincinnati, OH |
1,315 | $156,456,000 | $118,000 | $71,000 |
| 6 | Primelending Dallas, TX |
1,308 | $187,572,000 | $143,000 | $79,000 |
| 7 | Wright Patt Credit Union Inc Beavercreek, OH |
1,217 | $128,843,000 | $105,000 | $62,000 |
| 8 | loanDepot.com LLC Irvine, CA |
1,209 | $164,557,000 | $136,000 | $74,000 |
| 9 | Caliber Home Loans, Inc. Wilmington, DE |
976 | $130,999,000 | $134,000 | $61,000 |
| 10 | PNC Bank N.A. Pittsburgh, PA |
965 | $87,977,000 | $91,000 | $73,000 |
The tables below break down 2016 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 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 18,439 | $2,733,443,000 | $148,000 | $24,392,000 | $61,000 | $7,797,000 |
| Refinancing | 15,661 | $2,208,670,000 | $141,000 | $20,215,000 | $67,000 | $2,900,000 |
| Home Improvement | 1,799 | $128,548,000 | $71,000 | $5,350,000 | $80,000 | $1,560,000 |
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 | 23,138 | $3,143,879,000 | $135,000 | $1,785,000 | $78,000 | $7,797,000 |
| Not applicable | 6,286 | $1,060,789,000 | $168,000 | $24,392,000 | $3,000 | $379,000 |
| Not Provided | 3,081 | $420,484,000 | $136,000 | $1,900,000 | $82,000 | $2,400,000 |
| Black or African American | 2,165 | $241,899,000 | $111,000 | $800,000 | $59,000 | $1,560,000 |
| Asian | 556 | $107,851,000 | $193,000 | $1,730,000 | $108,000 | $1,135,000 |
| Hispanic | 488 | $71,348,000 | $146,000 | $468,000 | $76,000 | $1,200,000 |
| American Indian or Alaskan Native | 134 | $16,823,000 | $125,000 | $353,000 | $70,000 | $447,000 |
| Native Hawaiin or Other Pacific Islander | 51 | $7,588,000 | $148,000 | $502,000 | $66,000 | $600,000 |
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) | 19,095 | $2,798,851,000 | $146,000 | $24,392,000 | $90,000 | $7,797,000 |
| FHA-insured (Federal Housing Administration) | 10,325 | $1,179,167,000 | $114,000 | $20,215,000 | $30,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 6,091 | $1,052,888,000 | $172,000 | $792,000 | $46,000 | $720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 388 | $39,755,000 | $102,000 | $371,000 | $22,000 | $100,000 |
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 | 17,737 | $2,724,127,000 | $153,000 | $24,392,000 | $81,000 | $7,797,000 |
| Loan Purchased By The Institution | 7,045 | $873,512,000 | $123,000 | $1,800,000 | $12,000 | $379,000 |
| Application Denied By Financial Institution | 5,852 | $693,630,000 | $118,000 | $5,180,000 | $71,000 | $2,900,000 |
| Application Withdrawn By Applicant | 2,754 | $448,560,000 | $162,000 | $18,000,000 | $74,000 | $1,451,000 |
| Application Approved But Not Accepted | 1,439 | $199,816,000 | $138,000 | $15,300,000 | $73,000 | $1,572,000 |
| File Closed For Incompleteness | 1,072 | $131,016,000 | $122,000 | $695,000 | $61,000 | $970,000 |
| 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 | 1,130 | $91,073,000 | $80,000 | $2,000,000 | $68,000 | $1,564,000 |
| Debt-To-Income Ratio | 804 | $98,147,000 | $122,000 | $1,350,000 | $51,000 | $629,000 |
| Collateral | 803 | $109,925,000 | $136,000 | $1,730,000 | $102,000 | $1,922,000 |
| Credit Application Incomplete | 503 | $68,221,000 | $135,000 | $1,000,000 | $82,000 | $1,200,000 |
| Other | 278 | $36,433,000 | $131,000 | $5,180,000 | $71,000 | $797,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 94 | $10,662,000 | $113,000 | $362,000 | $59,000 | $208,000 |
| Unverifiable Information | 75 | $9,663,000 | $128,000 | $972,000 | $79,000 | $647,000 |
| Employment History | 44 | $4,865,000 | $110,000 | $276,000 | $54,000 | $150,000 |
| Mortgage Insurance Denied | 1 | $58,000 | $58,000 | $58,000 | $25,000 | $25,000 |
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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