Gallia County, OH Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 1,353 mortgage applications in Gallia County, OH totaling $123.6 million, down 21% from 2007. The average application was for $91,000, and applicants reported an average income of $61,000. 38% of applications resulted in an originated loan and 38% were denied. The most active lender was The Ohio Valley Bank Company, with 385 applications, followed by Beneficial Company LLC and US Bank North Dakota.
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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 | 1,353 |
| Total Mortgage Loan Application Amount | $123,575,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $562,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $864,000 |
* 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 |
|---|---|---|---|---|
| The Ohio Valley Bank Company 420 THIRD AVENUE GALLIPOLIS, OH 45631 |
* | $ 772,994,000 | 385 | $ 29,712,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 300 | $ 26,416,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 66 | $ 4,345,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 4,031,156,000 | 44 | $ 3,913,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 42 | $ 4,612,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 39 | $ 4,319,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 38 | $ 4,466,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 38 | $ 4,771,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,875,432,000 | 34 | $ 2,971,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 33 | $ 3,231,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 29 | $ 3,282,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 21 | $ 2,567,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,462,991,000 | 19 | $ 922,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 18 | $ 1,610,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 15 | $ 1,831,000 |
| Citifinancial, Inc 300 ST PAUL PLACE BALTIMORE, MD 21020 |
* | $ 1,494,037,000,000 | 14 | $ 681,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 12 | $ 1,323,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 11 | $ 1,265,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 9 | $ 1,108,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 9 | $ 1,261,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 8 | $ 772,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 7 | $ 446,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 7 | $ 829,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 6 | $ 357,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 6 | $ 472,000 |
| Wells Fargo Fin'l Ohio 1, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 481,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 6 | $ 744,000 |
| Vinton County National Bank 112 W MAIN ST PO BOX 460 MCARTHUR, OH 45651 |
* | $ 314,257,000 | 6 | $ 635,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 5 | $ 515,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 5 | $ 487,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 898,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 5 | $ 613,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 4 | $ 372,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 4 | $ 491,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 3 | $ 441,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 3 | $ 403,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 252,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 3 | $ 34,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 166,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 3 | $ 309,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 131,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 2 | $ 274,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 2,140,160,000 | 2 | $ 505,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 2 | $ 163,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 189,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 185,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 2 | $ 56,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 543,934,000 | 2 | $ 326,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 88,242,000 | 2 | $ 278,000 |
| Telhio Credit Union, Inc. 96 N. 4TH STREET COLUMBUS, OH 43215 |
* | $ 398,866,000 | 2 | $ 106,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 2 | $ 244,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 65,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 1 | $ 100,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 3,000 |
| Oxford Lending Group, LLC 1 EAST CAMPUS VIEW BLVD STE #200 COLUMBUS, OH 43235 |
* | $ 700,000,000 | 1 | $ 236,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 140,000 |
| The American Eagle Mortgage Co 6145 PARK SQUARE DRIVE SUITE 3 LORAIN, OH 44053 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Walter Mortgage Company 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 66,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ 2,084,916,000 | 1 | $ 33,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 77,000 |
| Firestone 31 HANNA PARKWAY AKRON, OH 44319 |
* | $ 176,460,000 | 1 | $ 62,000 |
| First Priority Federal Credit Union 9408 VIRGINIA AVE HUNTINGTON, WV 25701 |
* | $ 56,758,000 | 1 | $ 49,000 |
| Ohio River Bank 221 RAILROAD STREET IRONTON, OH 45638 |
* | $ 84,568,000 | 1 | $ 100,000 |
| First Sentry Bank, Inc. 823 EIGHTH STREET HUNTINGTON, WV 25701 |
* | $ 268,718,000 | 1 | $ 69,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 10,442,308,000 | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 153,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,700,637,000 | 1 | $ 151,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,723,477,000 | 1 | $ 66,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 1 | $ 49,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 335,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 90,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 1,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 1 | $ 300,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 147,000 |
| Wells Fargo Fin'l Kansas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 26,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 85,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 150,508,000 | 1 | $ 206,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 170,829,000 | 1 | $ 200,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 10,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 10,388,448,000 | 1 | $ 100,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 191,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 178,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 120,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 1 | $ 60,000 |
| Bergin Financial, Inc. 29200 NORTHWESTER HIGHWAY, SUITE 350 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Swain Mortgage Company 157 S. MAIN ST., P O BOX 336 , MANSFIELD, OH 44901 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Villa Mortgage, Inc. 2796 MACK ROAD FAIRFIELD, OH 45014 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Cardinal Financial Company 444 JACKSONVILLE ROAD WARMINSTER, PA 18974 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 110,000 |
The tables below break down 2008 mortgage applications in Gallia 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 Gallia County, OH in 2008
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 | 815 | $82,077,000 | $100,000 | $562,000 | $60,000 | $672,000 |
| Home Purchase | 341 | $32,618,000 | $95,000 | $550,000 | $66,000 | $864,000 |
| Home Improvement | 197 | $8,880,000 | $45,000 | $185,000 | $55,000 | $293,000 |
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 | 1,162 | $106,322,000 | $91,000 | $562,000 | $61,000 | $864,000 |
| Not Provided | 103 | $8,332,000 | $80,000 | $324,000 | $68,000 | $672,000 |
| Not applicable | 43 | $4,923,000 | $114,000 | $375,000 | $8,000 | $94,000 |
| Black or African American | 22 | $2,248,000 | $102,000 | $181,000 | $59,000 | $103,000 |
| Hispanic | 16 | $1,233,000 | $77,000 | $135,000 | $77,000 | $278,000 |
| American Indian or Alaskan Native | 3 | $113,000 | $37,000 | $72,000 | $144,000 | $360,000 |
| Asian | 2 | $303,000 | $151,000 | $300,000 | $391,000 | $750,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $101,000 | $50,000 | $99,000 | $40,000 | $50,000 |
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) | 1,143 | $100,282,000 | $87,000 | $562,000 | $63,000 | $864,000 |
| FHA-insured (Federal Housing Administration) | 187 | $21,299,000 | $113,000 | $269,000 | $48,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,098,000 | $78,000 | $106,000 | $38,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 9 | $896,000 | $99,000 | $155,000 | $36,000 | $67,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 520 | $46,070,000 | $88,000 | $562,000 | $56,000 | $750,000 |
| Loan Originated | 516 | $47,660,000 | $92,000 | $550,000 | $66,000 | $864,000 |
| Application Withdrawn By Applicant | 194 | $17,139,000 | $88,000 | $335,000 | $65,000 | $672,000 |
| Loan Purchased By The Institution | 65 | $7,738,000 | $119,000 | $299,000 | $30,000 | $133,000 |
| Application Approved But Not Accepted | 34 | $3,144,000 | $92,000 | $328,000 | $76,000 | $510,000 |
| File Closed For Incompleteness | 24 | $1,824,000 | $76,000 | $175,000 | $73,000 | $206,000 |
| 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 | 85 | $5,344,000 | $62,000 | $270,000 | $45,000 | $129,000 |
| Collateral | 53 | $5,102,000 | $96,000 | $300,000 | $80,000 | $750,000 |
| Debt-To-Income Ratio | 39 | $3,307,000 | $84,000 | $230,000 | $40,000 | $127,000 |
| Other | 19 | $1,209,000 | $63,000 | $154,000 | $55,000 | $210,000 |
| Credit Application Incomplete | 5 | $696,000 | $139,000 | $254,000 | $81,000 | $117,000 |
| Employment History | 3 | $57,000 | $19,000 | $49,000 | $38,000 | $80,000 |
| Mortgage Insurance Denied | 2 | $308,000 | $154,000 | $284,000 | $85,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $114,000 | $114,000 | $114,000 | $0 | $0 |
| Unverifiable Information | 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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