Holmes County, OH Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 529 mortgage applications in Holmes County, OH totaling $81.2 million, down 5% from 2022. The average application was for $153,000, and applicants reported an average income of $114,000. 69% of applications resulted in an originated loan and 13% were denied. The most active lender was The Commercial & Savings Bank, with 159 applications, followed by The Park National Bank and PNC Bank N.A..
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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 | 529 |
| Total Mortgage Loan Application Amount | $81,195,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $3,901,000 |
* 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 Commercial & Savings Bank 91 NORTH CLAY STREET MILLERSBURG, OH 44654 |
* | $ 1,158,800,000 | 159 | $ 24,755,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 9,815,951,000 | 56 | $ 5,840,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 51 | $ 6,715,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 31 | $ 5,535,000 |
| Farmers National Bank 1 SOUTH MAIN STREET NILES, OH 44446 |
* | $ 4,065,303,000 | 25 | $ 3,665,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 18 | $ 4,360,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 15 | $ 1,365,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 15 | $ 2,355,000 |
| Main Street Bank Corp 151 N. MARKET ST. WOOSTER, OH 44691 |
* | $ 731,510,000 | 12 | $ 3,640,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 11 | $ 2,605,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 810,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 840,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 6 | $ 860,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,105,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 895,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 550,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 590,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 200,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 460,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 4 | $ 170,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ 381,812,000 | 4 | $ 370,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 390,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 525,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 425,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 695,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 585,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 365,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 2 | $ 300,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 290,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 170,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 310,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 7,794,453,000 | 2 | $ 260,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 180,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 310,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 260,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 300,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 16,915,645,000 | 1 | $ 245,000 |
| First Federal Savings & Loan Association of Lorain 3721 OBERLIN AVE LORAIN, OH 44053 |
* | $ 526,440,000 | 1 | $ 95,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 85,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 85,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 345,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 245,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 125,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ 1,580,780,000 | 1 | $ 215,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 225,000 |
| Directions Credit Union 5121 WHITEFORD ROAD TOLEDO, OH 43604 |
* | $ 1,183,818,000 | 1 | $ 105,000 |
| First Ohio Home Finance 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ -1,000 | 1 | $ 155,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,894,686,000 | 1 | $ 135,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 75,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 7,197,574,000 | 1 | $ 45,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 155,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 265,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 3,002,849,000 | 1 | $ 335,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 195,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 155,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 365,000 |
| The Apple Creek Banking Company 3 W MAIN ST APPLE CREEK, OH 44606 |
* | $ 217,639,000 | 1 | $ 245,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 425,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 175,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 375,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 135,000 |
The tables below break down 2023 mortgage applications in Holmes 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 Holmes County, OH in 2023
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 | 186 | $40,180,000 | $216,000 | $885,000 | $142,000 | $3,901,000 |
| Home Improvement | 105 | $10,375,000 | $98,000 | $495,000 | $106,000 | $591,000 |
| Refinancing | 89 | $11,025,000 | $123,000 | $455,000 | $98,000 | $807,000 |
| Other Purpose | 87 | $8,285,000 | $95,000 | $255,000 | $100,000 | $850,000 |
| Cash-out Refinancing | 61 | $11,265,000 | $184,000 | $615,000 | $91,000 | $371,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
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 | 409 | $65,895,000 | $161,000 | $885,000 | $112,000 | $3,901,000 |
| Not Provided | 100 | $12,360,000 | $123,000 | $455,000 | $116,000 | $807,000 |
| Not applicable | 13 | $1,975,000 | $151,000 | $275,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $295,000 | $98,000 | $135,000 | $81,000 | $157,000 |
| Black or African American | 3 | $395,000 | $131,000 | $205,000 | $357,000 | $850,000 |
| Hispanic | 1 | $275,000 | $275,000 | $275,000 | $96,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 464 | $69,530,000 | $149,000 | $885,000 | $118,000 | $3,901,000 |
| FHA-insured (Federal Housing Administration) | 43 | $7,605,000 | $176,000 | $425,000 | $89,000 | $279,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,190,000 | $199,000 | $315,000 | $84,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $870,000 | $145,000 | $205,000 | $62,000 | $88,000 |
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 | 367 | $60,585,000 | $165,000 | $885,000 | $123,000 | $3,901,000 |
| Application Denied By Financial Institution | 70 | $7,540,000 | $107,000 | $505,000 | $89,000 | $591,000 |
| Application Withdrawn By Applicant | 48 | $6,890,000 | $143,000 | $495,000 | $105,000 | $850,000 |
| File Closed For Incompleteness | 20 | $3,090,000 | $154,000 | $425,000 | $99,000 | $334,000 |
| Loan Purchased By The Institution | 13 | $2,045,000 | $157,000 | $275,000 | $68,000 | $84,000 |
| Application Approved But Not Accepted | 10 | $940,000 | $94,000 | $255,000 | $75,000 | $159,000 |
| Preapproval Denied by Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $35,000 | $35,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 364 | $59,750,000 | $164,000 | $695,000 | $118,000 | $3,901,000 |
| Debt-To-Income Ratio | 119 | $16,485,000 | $138,000 | $885,000 | $107,000 | $807,000 |
| Credit History | 17 | $1,695,000 | $99,000 | $315,000 | $88,000 | $293,000 |
| Credit Application Incomplete | 15 | $1,415,000 | $94,000 | $185,000 | $103,000 | $373,000 |
| Collateral | 11 | $1,465,000 | $133,000 | $505,000 | $124,000 | $591,000 |
| Other | 2 | $270,000 | $135,000 | $155,000 | $57,000 | $70,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $61,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $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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