1St National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
1St National Bank 2022 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 | 841 |
| Total Mortgage Loan Application Amount | $224,185,000 |
| Average Mortgage Loan Application Amount | $344,250 |
| Highest Mortgage Loan Application Amount | $1,245,000 |
| Average Applicant Income | $162,250 |
| Highest Applicant Income | $3,840,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 212 | $ 64,420,000 | $ 303,000 | $ 147,000 |
| Hamilton County Ohio | 174 | $ 47,990,000 | $ 275,000 | $ 153,000 |
| Butler County Ohio | 108 | $ 28,820,000 | $ 266,000 | $ 123,000 |
| Clermont County Ohio | 63 | $ 14,905,000 | $ 236,000 | $ 109,000 |
| Montgomery County Ohio | 49 | $ 9,785,000 | $ 199,000 | $ 102,000 |
| Clinton County Ohio | 36 | $ 6,250,000 | $ 173,000 | $ 85,000 |
| Boone County Kentucky | 19 | $ 6,505,000 | $ 342,000 | $ 128,000 |
| Franklin County Ohio | 17 | $ 4,565,000 | $ 268,000 | $ 156,000 |
| Highland County Ohio | 15 | $ 2,205,000 | $ 147,000 | $ 79,000 |
| Kenton County Kentucky | 11 | $ 2,515,000 | $ 228,000 | $ 124,000 |
| Brown County Ohio | 9 | $ 2,315,000 | $ 257,000 | $ 520,000 |
| Campbell County Kentucky | 8 | $ 2,400,000 | $ 300,000 | $ 72,000 |
| Greene County Ohio | 8 | $ 2,230,000 | $ 278,000 | $ 80,000 |
| Cuyahoga County Ohio | 6 | $ 1,350,000 | $ 225,000 | $ 123,000 |
| Delaware County Ohio | 6 | $ 1,660,000 | $ 276,000 | $ 110,000 |
| Pickaway County Ohio | 6 | $ 1,590,000 | $ 265,000 | $ 76,000 |
| Cabarrus County North Carolina | 5 | $ 945,000 | $ 189,000 | $ 155,000 |
| Clark County Ohio | 5 | $ 765,000 | $ 153,000 | $ 54,000 |
| Miami County Ohio | 5 | $ 825,000 | $ 165,000 | $ 113,000 |
| Preble County Ohio | 5 | $ 1,625,000 | $ 325,000 | $ 100,000 |
| Lee County Florida | 3 | $ 575,000 | $ 191,000 | $ 176,000 |
| Fayette County Kentucky | 3 | $ 745,000 | $ 248,000 | $ 180,000 |
| Madison County Kentucky | 3 | $ 825,000 | $ 275,000 | $ 49,000 |
| Catawba County North Carolina | 3 | $ 445,000 | $ 148,000 | $ 92,000 |
| Miami-Dade County Florida | 2 | $ 1,310,000 | $ 655,000 | $ 163,000 |
| Sarasota County Florida | 2 | $ 670,000 | $ 335,000 | $ 312,000 |
| DuPage County Illinois | 2 | $ 630,000 | $ 315,000 | $ 176,000 |
| Dearborn County Indiana | 2 | $ 440,000 | $ 220,000 | $ 126,000 |
| Marion County Indiana | 2 | $ 540,000 | $ 270,000 | $ 166,000 |
| Switzerland County Indiana | 2 | $ 540,000 | $ 270,000 | $ 143,000 |
| Orange County New York | 2 | $ 850,000 | $ 425,000 | $ 178,000 |
| Davidson County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 80,000 |
| Licking County Ohio | 2 | $ 690,000 | $ 345,000 | $ 99,000 |
| Mahoning County Ohio | 2 | $ 300,000 | $ 150,000 | $ 52,000 |
| Montgomery County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 55,000 |
| Montgomery County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 134,000 |
| Los Angeles County California | 1 | $ 435,000 | $ 435,000 | $ 394,000 |
| Orange County California | 1 | $ 475,000 | $ 475,000 | $ 351,000 |
| El Paso County Colorado | 1 | $ 325,000 | $ 325,000 | $ 194,000 |
| Broward County Florida | 1 | $ 435,000 | $ 435,000 | $ 1,068,000 |
| Hillsborough County Florida | 1 | $ 565,000 | $ 565,000 | $ 355,000 |
| Clarke County Georgia | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Gilmer County Georgia | 1 | $ 375,000 | $ 375,000 | $ 185,000 |
| Gwinnett County Georgia | 1 | $ 485,000 | $ 485,000 | $ 170,000 |
| Cook County Illinois | 1 | $ 645,000 | $ 645,000 | $ 210,000 |
| Franklin County Indiana | 1 | $ 425,000 | $ 425,000 | $ 232,000 |
| Hendricks County Indiana | 1 | $ 405,000 | $ 405,000 | $ 200,000 |
| Wayne County Indiana | 1 | $ 205,000 | $ 205,000 | $ 265,000 |
| Gallatin County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Jefferson County Kentucky | 1 | $ 475,000 | $ 475,000 | $ 547,000 |
| Logan County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Simpson County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Alexander County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 129,000 |
| Gaston County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 142,000 |
| Iredell County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Lincoln County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Mecklenburg County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Adams County Ohio | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Belmont County Ohio | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Champaign County Ohio | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Fayette County Ohio | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Lake County Ohio | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Meigs County Ohio | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Ross County Ohio | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Trumbull County Ohio | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
| Union County Ohio | 1 | $ 405,000 | $ 405,000 | $ 107,000 |
| Williams County Ohio | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Deschutes County Oregon | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Beaufort County South Carolina | 1 | $ 365,000 | $ 365,000 | $ 798,000 |
| Hawkins County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 193,000 |
| Knox County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Monroe County Tennessee | 1 | $ 395,000 | $ 395,000 | $ 72,000 |
| Union County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 133,000 |
| Harris County Texas | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for 1St National Bank in 2022
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 | 658 | $181,240,000 | $275,000 | $1,245,000 | $132,000 | $3,840,000 |
| Cash-out Refinancing | 111 | $23,085,000 | $207,000 | $825,000 | $149,000 | $1,068,000 |
| Refinancing | 69 | $17,955,000 | $260,000 | $645,000 | $166,000 | $1,920,000 |
| Other Purpose | 3 | $1,905,000 | $635,000 | $1,005,000 | $202,000 | $331,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 540 | $137,740,000 | $255,000 | $1,245,000 | $138,000 | $3,840,000 |
| Asian | 169 | $47,045,000 | $278,000 | $1,005,000 | $138,000 | $1,920,000 |
| Hispanic | 28 | $6,410,000 | $228,000 | $645,000 | $139,000 | $1,068,000 |
| Black or African American | 19 | $3,965,000 | $208,000 | $405,000 | $131,000 | $344,000 |
| American Indian or Alaskan Native | 6 | $1,780,000 | $296,000 | $565,000 | $89,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 771 | $209,485,000 | $271,000 | $1,245,000 | $143,000 | $3,840,000 |
| FHA-insured (Federal Housing Administration) | 55 | $11,035,000 | $200,000 | $415,000 | $66,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,220,000 | $268,000 | $415,000 | $84,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $445,000 | $148,000 | $185,000 | $53,000 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 569 | $152,695,000 | $268,000 | $1,245,000 | $134,000 | $1,516,000 |
| Application Withdrawn By Applicant | 249 | $65,165,000 | $261,000 | $885,000 | $145,000 | $3,840,000 |
| Application Denied By Financial Institution | 13 | $2,815,000 | $216,000 | $605,000 | $103,000 | $186,000 |
| File Closed For Incompleteness | 10 | $3,510,000 | $351,000 | $505,000 | $171,000 | $461,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 828 | $221,370,000 | $267,000 | $1,245,000 | $137,000 | $3,840,000 |
| Debt-To-Income Ratio | 3 | $1,185,000 | $395,000 | $605,000 | $173,000 | $186,000 |
| Other | 2 | $300,000 | $150,000 | $155,000 | $115,000 | $177,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $155,000 | $59,000 | $67,000 |
| Credit Application Incomplete | 2 | $540,000 | $270,000 | $485,000 | $96,000 | $158,000 |
| Credit History | 2 | $210,000 | $105,000 | $155,000 | $38,000 | $64,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $122,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $84,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1St National Bank's 2022 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.