1St National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
1St National Bank 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | 1St National Bank 1160 E. Main Street Lebanon, OH 45036 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,805 |
| Total Mortgage Loan Application Amount | $412,995,000 |
| Average Mortgage Loan Application Amount | $225,000 |
| Highest Mortgage Loan Application Amount | $2,225,000 |
| Average Applicant Income | $135,400 |
| Highest Applicant Income | $2,479,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with 1St National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing 1St National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down 1St National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how 1St National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by 1St National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at 1St National Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren County Ohio | 564 | $ 143,440,000 | $ 254,000 | $ 138,000 |
| Hamilton County Ohio | 441 | $ 101,115,000 | $ 229,000 | $ 149,000 |
| Butler County Ohio | 253 | $ 52,455,000 | $ 207,000 | $ 124,000 |
| Clermont County Ohio | 102 | $ 21,820,000 | $ 213,000 | $ 126,000 |
| Clinton County Ohio | 81 | $ 12,985,000 | $ 160,000 | $ 92,000 |
| Montgomery County Ohio | 79 | $ 13,545,000 | $ 171,000 | $ 87,000 |
| Franklin County Ohio | 22 | $ 4,740,000 | $ 215,000 | $ 119,000 |
| Greene County Ohio | 21 | $ 4,505,000 | $ 214,000 | $ 218,000 |
| Boone County Kentucky | 18 | $ 4,170,000 | $ 231,000 | $ 124,000 |
| Highland County Ohio | 17 | $ 2,455,000 | $ 144,000 | $ 94,000 |
| Kenton County Kentucky | 16 | $ 3,750,000 | $ 234,000 | $ 247,000 |
| Brown County Ohio | 15 | $ 2,995,000 | $ 199,000 | $ 115,000 |
| Lee County Florida | 11 | $ 3,085,000 | $ 280,000 | $ 148,000 |
| Campbell County Kentucky | 11 | $ 3,115,000 | $ 283,000 | $ 177,000 |
| Delaware County Ohio | 11 | $ 3,355,000 | $ 305,000 | $ 134,000 |
| Iredell County North Carolina | 10 | $ 3,240,000 | $ 324,000 | $ 258,000 |
| Catawba County North Carolina | 7 | $ 1,195,000 | $ 170,000 | $ 108,000 |
| Jefferson County Kentucky | 6 | $ 2,080,000 | $ 346,000 | $ 101,000 |
| Cuyahoga County Ohio | 6 | $ 1,500,000 | $ 250,000 | $ 122,000 |
| Summit County Ohio | 5 | $ 645,000 | $ 129,000 | $ 132,000 |
| Marion County Indiana | 4 | $ 850,000 | $ 212,000 | $ 119,000 |
| Cabarrus County North Carolina | 4 | $ 1,210,000 | $ 302,000 | $ 114,000 |
| Collier County Florida | 3 | $ 665,000 | $ 221,000 | $ 162,000 |
| Palm Beach County Florida | 3 | $ 985,000 | $ 328,000 | $ 651,000 |
| Sarasota County Florida | 3 | $ 1,405,000 | $ 468,000 | $ 301,000 |
| Lincoln County North Carolina | 3 | $ 895,000 | $ 298,000 | $ 86,000 |
| Fairfield County Ohio | 3 | $ 845,000 | $ 281,000 | $ 120,000 |
| Preble County Ohio | 3 | $ 575,000 | $ 191,000 | $ 67,000 |
| Stark County Ohio | 3 | $ 595,000 | $ 198,000 | $ 115,000 |
| Bibb County Georgia | 2 | $ 600,000 | $ 300,000 | $ 92,000 |
| Houston County Georgia | 2 | $ 590,000 | $ 295,000 | $ 72,000 |
| Dearborn County Indiana | 2 | $ 540,000 | $ 270,000 | $ 102,000 |
| St. Charles County Missouri | 2 | $ 420,000 | $ 210,000 | $ 98,000 |
| Mecklenburg County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 116,000 |
| Auglaize County Ohio | 2 | $ 230,000 | $ 115,000 | $ 55,000 |
| Clark County Ohio | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| Geauga County Ohio | 2 | $ 370,000 | $ 185,000 | $ 190,000 |
| Medina County Ohio | 2 | $ 470,000 | $ 235,000 | $ 146,000 |
| Portage County Ohio | 2 | $ 250,000 | $ 125,000 | $ 89,000 |
| Rhea County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 446,000 |
| Elmore County Alabama | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Citrus County Florida | 1 | $ 345,000 | $ 345,000 | $ 127,000 |
| Escambia County Florida | 1 | $ 545,000 | $ 545,000 | $ 452,000 |
| Flagler County Florida | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Manatee County Florida | 1 | $ 325,000 | $ 325,000 | $ 240,000 |
| Miami-Dade County Florida | 1 | $ 535,000 | $ 535,000 | $ 863,000 |
| Orange County Florida | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Osceola County Florida | 1 | $ 545,000 | $ 545,000 | $ 472,000 |
| Pinellas County Florida | 1 | $ 215,000 | $ 215,000 | $ 205,000 |
| Walton County Florida | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| Cherokee County Georgia | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Columbia County Georgia | 1 | $ 425,000 | $ 425,000 | $ 119,000 |
| Coweta County Georgia | 1 | $ 305,000 | $ 305,000 | $ 235,000 |
| Forsyth County Georgia | 1 | $ 225,000 | $ 225,000 | $ 130,000 |
| Cook County Illinois | 1 | $ 265,000 | $ 265,000 | $ 330,000 |
| DuPage County Illinois | 1 | $ 65,000 | $ 65,000 | $ 219,000 |
| Harrison County Indiana | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Ohio County Indiana | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Steuben County Indiana | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Fayette County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 217,000 |
| Pulaski County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Scott County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Genesee County Michigan | 1 | $ 315,000 | $ 315,000 | $ 89,000 |
| Lake County Michigan | 1 | $ 285,000 | $ 285,000 | $ 133,000 |
| Washtenaw County Michigan | 1 | $ 235,000 | $ 235,000 | $ 211,000 |
| Sarpy County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 4,000 |
| Camden County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Albany County New York | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Gaston County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 68,000 |
| Jackson County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 128,000 |
| Moore County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| New Hanover County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
| Wake County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Adams County Ohio | 1 | $ 55,000 | $ 55,000 | $ 115,000 |
| Allen County Ohio | 1 | $ 115,000 | $ 115,000 | $ 16,000 |
| Athens County Ohio | 1 | $ 125,000 | $ 125,000 | $ 13,000 |
| Licking County Ohio | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Lorain County Ohio | 1 | $ 115,000 | $ 115,000 | $ 129,000 |
| Lucas County Ohio | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Miami County Ohio | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Morrow County Ohio | 1 | $ 155,000 | $ 155,000 | $ 118,000 |
| Pickaway County Ohio | 1 | $ 365,000 | $ 365,000 | $ 190,000 |
| Pike County Ohio | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Ross County Ohio | 1 | $ 125,000 | $ 125,000 | $ 2,479,000 |
| Trumbull County Ohio | 1 | $ 185,000 | $ 185,000 | $ 98,000 |
| Union County Ohio | 1 | $ 545,000 | $ 545,000 | $ 291,000 |
| Wood County Ohio | 1 | $ 395,000 | $ 395,000 | $ 147,000 |
| Chester County Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 81,000 |
| Philadelphia County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Beaufort County South Carolina | 1 | $ 445,000 | $ 445,000 | $ 525,000 |
| Greenville County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 99,000 |
| Bedford County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Campbell County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 163,000 |
| Knox County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 243,000 |
| Roane County Tennessee | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Fort Bend County Texas | 1 | $ 335,000 | $ 335,000 | $ 132,000 |
| Hampton County Virginia | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| King County Washington | 1 | $ 325,000 | $ 325,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for 1St National Bank in 2021
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 | 748 | $189,670,000 | $253,000 | $2,225,000 | $128,000 | $1,350,000 |
| Refinancing | 683 | $159,855,000 | $234,000 | $1,505,000 | $150,000 | $2,479,000 |
| Cash-out Refinancing | 351 | $57,945,000 | $165,000 | $595,000 | $137,000 | $1,554,000 |
| Not Applicable | 13 | $3,415,000 | $262,000 | $495,000 | $116,000 | $312,000 |
| Other Purpose | 10 | $2,110,000 | $211,000 | $505,000 | $146,000 | $332,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 955 | $219,475,000 | $229,000 | $1,845,000 | $148,000 | $2,350,000 |
| Not Provided | 328 | $64,960,000 | $198,000 | $725,000 | $123,000 | $630,000 |
| Asian | 317 | $78,165,000 | $246,000 | $775,000 | $126,000 | $2,479,000 |
| Black or African American | 27 | $10,045,000 | $372,000 | $2,225,000 | $186,000 | $1,102,000 |
| Hispanic | 17 | $3,655,000 | $215,000 | $445,000 | $131,000 | $306,000 |
| American Indian or Alaskan Native | 3 | $385,000 | $128,000 | $235,000 | $84,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 1,719 | $395,015,000 | $229,000 | $2,225,000 | $141,000 | $2,479,000 |
| FHA-insured (Federal Housing Administration) | 70 | $14,270,000 | $203,000 | $355,000 | $72,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,860,000 | $286,000 | $575,000 | $106,000 | $203,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $850,000 | $141,000 | $155,000 | $56,000 | $93,000 |
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 | 1,165 | $270,455,000 | $232,000 | $2,225,000 | $137,000 | $2,350,000 |
| Application Withdrawn By Applicant | 588 | $130,460,000 | $221,000 | $1,845,000 | $143,000 | $2,479,000 |
| Application Denied By Financial Institution | 32 | $6,990,000 | $218,000 | $545,000 | $109,000 | $525,000 |
| File Closed For Incompleteness | 18 | $4,590,000 | $255,000 | $775,000 | $99,000 | $316,000 |
| Application Approved But Not Accepted | 2 | $500,000 | $250,000 | $385,000 | $72,000 | $79,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,773 | $406,005,000 | $228,000 | $2,225,000 | $138,000 | $2,479,000 |
| Credit History | 12 | $2,310,000 | $192,000 | $545,000 | $93,000 | $239,000 |
| Debt-To-Income Ratio | 5 | $1,305,000 | $261,000 | $545,000 | $93,000 | $238,000 |
| Other | 5 | $1,185,000 | $237,000 | $445,000 | $168,000 | $525,000 |
| Collateral | 5 | $885,000 | $177,000 | $245,000 | $101,000 | $177,000 |
| Unverifiable Information | 3 | $915,000 | $305,000 | $485,000 | $155,000 | $256,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $79,000 | $79,000 |
| Employment History | 1 | $215,000 | $215,000 | $215,000 | $39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1St National Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess 1St National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.