Defiance County, OH Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,774 mortgage applications in Defiance County, OH totaling $186.2 million, up 22% from 2011. The average application was for $104,000, and applicants reported an average income of $66,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was Premier Bank, with 549 applications, followed by The State Bank & Trust Company 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 | 1,774 |
| Total Mortgage Loan Application Amount | $186,165,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $1,214,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $2,755,000 |
* 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 |
|---|---|---|---|---|
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,053,207,000 | 549 | $ 56,490,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 624,898,000 | 241 | $ 32,415,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 175 | $ 15,636,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 922,979,000 | 127 | $ 13,427,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 108 | $ 10,729,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 82 | $ 8,639,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 60 | $ 6,469,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 29 | $ 2,968,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 29 | $ 2,860,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DRIVE, STE 250 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 24 | $ 2,600,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 23 | $ 2,788,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 18 | $ 1,566,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 18 | $ 1,124,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 17 | $ 1,266,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 16 | $ 2,364,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 16 | $ 249,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 589,411,000 | 15 | $ 1,107,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 283,544,000 | 14 | $ 1,634,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 1,285,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 10 | $ 934,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 8 | $ 906,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 7 | $ 619,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 7 | $ 949,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 7 | $ 61,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 580,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 465,480,000 | 5 | $ 206,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 5 | $ 208,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 361,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 5 | $ 726,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 5 | $ 638,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 527,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 622,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 4 | $ 548,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 4 | $ 610,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 149,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ 673,291,000 | 4 | $ 489,000 |
| Superior Federal Credit Union 4230 ELIDA RD LIMA, OH 45807 |
* | $ 376,788,000 | 4 | $ 453,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 229,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 207,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,218,607,000 | 3 | $ 254,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 316,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 3 | $ 291,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 3 | $ 448,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 365,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 349,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 248,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 184,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 2 | $ 326,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 2 | $ 102,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 189,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 2 | $ 242,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,663,427,000 | 2 | $ 239,000 |
| First Federal Savings and Loan Association of Delta 404 MAIN ST DELTA, OH 43515 |
* | $ 162,360,000 | 2 | $ 181,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 280,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ 1,622,469,000 | 2 | $ 220,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 235,866,000 | 2 | $ 34,000 |
| Genfed Financial Credit Union 2492 WEDGEWOOD DR SUITE G AKRON, OH 44312 |
* | $ 182,507,000 | 2 | $ 192,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 185,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 114,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 115,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ 330,946,000 | 1 | $ 102,000 |
| Marklebank 180 MORSE ST MARKLE, IN 46770 |
* | $ 344,912,000 | 1 | $ 114,000 |
| The Campbell & Fetter Bank PO BOX 231 KENDALLVILLE, IN 46755 |
* | $ 274,308,000 | 1 | $ 60,000 |
| Universal 1 Credit Union Inc. P.O. BOX 467 DAYTON, OH 45409 |
* | $ 354,828,000 | 1 | $ 27,000 |
| Lake City Bank P.O. BOX 1387 WARSAW, IN 46581 |
* | $ 2,885,445,000 | 1 | $ 71,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 1 | $ 20,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 245,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ 239,610,000 | 1 | $ 160,000 |
| Park View Savings Bank 30000 AURORA ROAD SOLON, OH 44139 |
* | $ 799,668,000 | 1 | $ 166,000 |
| First Nb of Muskogee P O BOX 308 ROLAND, OK 74954 |
* | $ 175,000,000 | 1 | $ 63,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,179,394,000 | 1 | $ 214,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 1 | $ 85,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 72,848,000 | 1 | $ 208,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 247,163,000 | 1 | $ 81,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 8,467,892,000 | 1 | $ 78,000 |
| Premia Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,779,509,000 | 1 | $ 177,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 382,506,000 | 1 | $ 206,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 1 | $ 70,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 1 | $ 60,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 181,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 257,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 114,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 44,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 11,000,000 | 1 | $ 179,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 90,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 120,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 95,000 |
The tables below break down 2012 mortgage applications in Defiance 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 Defiance 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 | 1,249 | $139,247,000 | $111,000 | $1,214,000 | $70,000 | $2,755,000 |
| Home Purchase | 453 | $45,109,000 | $99,000 | $390,000 | $54,000 | $1,257,000 |
| Home Improvement | 72 | $1,809,000 | $25,000 | $134,000 | $74,000 | $1,092,000 |
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 | 1,553 | $161,457,000 | $103,000 | $1,214,000 | $68,000 | $2,755,000 |
| Not applicable | 75 | $10,784,000 | $143,000 | $1,214,000 | $39,000 | $2,755,000 |
| Not Provided | 65 | $5,987,000 | $92,000 | $220,000 | $53,000 | $216,000 |
| Hispanic | 58 | $4,794,000 | $82,000 | $205,000 | $52,000 | $149,000 |
| Black or African American | 10 | $1,242,000 | $124,000 | $200,000 | $50,000 | $136,000 |
| American Indian or Alaskan Native | 7 | $886,000 | $126,000 | $274,000 | $133,000 | $411,000 |
| Asian | 6 | $1,015,000 | $169,000 | $231,000 | $80,000 | $166,000 |
| 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) | 1,385 | $146,930,000 | $106,000 | $1,214,000 | $74,000 | $2,755,000 |
| FHA-insured (Federal Housing Administration) | 198 | $19,376,000 | $97,000 | $231,000 | $43,000 | $196,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 122 | $11,385,000 | $93,000 | $237,000 | $37,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 69 | $8,474,000 | $122,000 | $245,000 | $35,000 | $170,000 |
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 | 1,127 | $120,763,000 | $107,000 | $1,214,000 | $72,000 | $2,755,000 |
| Application Denied By Financial Institution | 253 | $22,019,000 | $87,000 | $410,000 | $60,000 | $1,092,000 |
| Loan Purchased By The Institution | 218 | $23,926,000 | $109,000 | $1,100,000 | $52,000 | $2,755,000 |
| Application Withdrawn By Applicant | 109 | $12,856,000 | $117,000 | $314,000 | $58,000 | $216,000 |
| Application Approved But Not Accepted | 50 | $4,944,000 | $98,000 | $239,000 | $46,000 | $156,000 |
| File Closed For Incompleteness | 17 | $1,657,000 | $97,000 | $148,000 | $64,000 | $150,000 |
| 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 | 71 | $4,307,000 | $60,000 | $193,000 | $65,000 | $1,092,000 |
| Debt-To-Income Ratio | 56 | $5,388,000 | $96,000 | $410,000 | $50,000 | $166,000 |
| Collateral | 42 | $4,292,000 | $102,000 | $256,000 | $72,000 | $340,000 |
| Credit Application Incomplete | 14 | $1,400,000 | $100,000 | $284,000 | $80,000 | $219,000 |
| Other | 12 | $854,000 | $71,000 | $106,000 | $38,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $577,000 | $82,000 | $98,000 | $51,000 | $77,000 |
| Unverifiable Information | 5 | $602,000 | $120,000 | $245,000 | $57,000 | $170,000 |
| Employment History | 2 | $119,000 | $59,000 | $89,000 | $42,000 | $62,000 |
| Mortgage Insurance Denied | 1 | $80,000 | $80,000 | $80,000 | $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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