Benchmark Bank Mortgage Lending & HMDA Data, 2015
In 2015, Benchmark Bank of Gahanna, OH reported 1,534 mortgage applications totaling $355.3 million, up 431% from 2014. The average application was for $231,625, and applicants reported an average income of $100,486. 48% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Columbus, OH (389), Cincinnati, OH-KY-IN (118) and New York-Jersey City-White Plains, NY-NJ (81) (applications in parentheses).
| Mortgage Company & Address | Benchmark Bank 461 Beecher Road Gahanna, OH 43230 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,534 |
| Total Mortgage Loan Application Amount | $355,313,000 |
| Average Mortgage Loan Application Amount | $231,625 |
| Highest Mortgage Loan Application Amount | $1,065,000 |
| Average Applicant Income | $100,486 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Benchmark Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin, Ohio | 237 | $ 50,815,000 | $ 214,409 | $ 113,000 |
| Delaware, Ohio | 68 | $ 15,607,000 | $ 229,514 | $ 114,000 |
| Licking, Ohio | 30 | $ 4,765,000 | $ 158,833 | $ 79,000 |
| Kenton, Kentucky | 25 | $ 3,381,000 | $ 135,240 | $ 66,000 |
| Cook, Illinois | 21 | $ 4,141,000 | $ 197,190 | $ 127,000 |
| Nassau, New York | 21 | $ 6,812,000 | $ 324,380 | $ 110,000 |
| Allen, Ohio | 21 | $ 2,543,000 | $ 121,095 | $ 54,000 |
| Fairfield, Ohio | 21 | $ 3,334,000 | $ 158,761 | $ 110,000 |
| Hamilton, Ohio | 21 | $ 3,455,000 | $ 164,523 | $ 99,000 |
| Boone, Kentucky | 20 | $ 4,098,000 | $ 204,900 | $ 134,000 |
| Suffolk, New York | 20 | $ 5,563,000 | $ 278,150 | $ 131,000 |
| Kane, Illinois | 17 | $ 3,444,000 | $ 202,588 | $ 60,000 |
| Cuyahoga, Ohio | 17 | $ 2,272,000 | $ 133,647 | $ 83,000 |
| Butler, Ohio | 15 | $ 3,189,000 | $ 212,600 | $ 85,000 |
| Union, Ohio | 14 | $ 2,669,000 | $ 190,642 | $ 77,000 |
| Charleston, South Carolina | 14 | $ 3,917,000 | $ 279,785 | $ 71,000 |
| Broward, Florida | 13 | $ 3,541,000 | $ 272,384 | $ 119,000 |
| Queens, New York | 13 | $ 4,259,000 | $ 327,615 | $ 98,000 |
| Westchester, New York | 12 | $ 4,525,000 | $ 377,083 | $ 144,000 |
| Clermont, Ohio | 12 | $ 1,571,000 | $ 130,916 | $ 82,000 |
| Campbell, Kentucky | 11 | $ 1,582,000 | $ 143,818 | $ 80,000 |
| Anne Arundel, Maryland | 11 | $ 3,453,000 | $ 313,909 | $ 72,000 |
| Kings, New York | 11 | $ 5,086,000 | $ 462,363 | $ 103,000 |
| Palm Beach, Florida | 10 | $ 3,059,000 | $ 305,900 | $ 88,000 |
| Prince George's, Maryland | 10 | $ 3,352,000 | $ 335,200 | $ 167,000 |
| Warren, Ohio | 10 | $ 2,000,000 | $ 200,000 | $ 75,000 |
| Miami-Dade, Florida | 9 | $ 2,359,000 | $ 262,111 | $ 85,000 |
| Montgomery, Maryland | 9 | $ 3,381,000 | $ 375,666 | $ 149,000 |
| Essex, Massachusetts | 9 | $ 2,606,000 | $ 289,555 | $ 92,000 |
| Bronx, New York | 9 | $ 2,598,000 | $ 288,666 | $ 62,000 |
| DuPage, Illinois | 8 | $ 2,339,000 | $ 292,375 | $ 136,000 |
| Worcester, Massachusetts | 8 | $ 1,862,000 | $ 232,750 | $ 86,000 |
| Morrow, Ohio | 8 | $ 1,638,000 | $ 204,750 | $ 48,000 |
| Virginia Beach, Virginia | 8 | $ 2,400,000 | $ 300,000 | $ 82,000 |
| Hartford, Connecticut | 7 | $ 1,361,000 | $ 194,428 | $ 66,000 |
| Orange, Florida | 7 | $ 1,959,000 | $ 279,857 | $ 109,000 |
| Baltimore City, Maryland | 7 | $ 952,000 | $ 136,000 | $ 91,000 |
| Harford, Maryland | 7 | $ 1,687,000 | $ 241,000 | $ 117,000 |
| Middlesex, Massachusetts | 7 | $ 2,029,000 | $ 289,857 | $ 76,000 |
| Norfolk, Massachusetts | 7 | $ 2,366,000 | $ 338,000 | $ 123,000 |
| Ocean, New Jersey | 7 | $ 2,070,000 | $ 295,714 | $ 98,000 |
| Pickaway, Ohio | 7 | $ 915,000 | $ 130,714 | $ 54,000 |
| Horry, South Carolina | 7 | $ 1,419,000 | $ 202,714 | $ 93,000 |
| Chesapeake, Virginia | 7 | $ 1,752,000 | $ 250,285 | $ 120,000 |
| Fairfax, Virginia | 7 | $ 2,669,000 | $ 381,285 | $ 135,000 |
| Fairfield, Connecticut | 6 | $ 1,992,000 | $ 332,000 | $ 86,000 |
| Hillsborough, Florida | 6 | $ 1,790,000 | $ 298,333 | $ 90,000 |
| DeKalb, Georgia | 6 | $ 1,935,000 | $ 322,500 | $ 124,000 |
| Lake, Illinois | 6 | $ 1,445,000 | $ 240,833 | $ 73,000 |
| Charles, Maryland | 6 | $ 1,235,000 | $ 205,833 | $ 69,000 |
| Frederick, Maryland | 6 | $ 2,109,000 | $ 351,500 | $ 340,000 |
| Livingston, Michigan | 6 | $ 1,241,000 | $ 206,833 | $ 79,000 |
| Richmond, New York | 6 | $ 2,338,000 | $ 389,666 | $ 110,000 |
| Lawrence, Ohio | 6 | $ 579,000 | $ 96,500 | $ 35,000 |
| Montgomery, Pennsylvania | 6 | $ 1,660,000 | $ 276,666 | $ 120,000 |
| Prince William, Virginia | 6 | $ 1,820,000 | $ 303,333 | $ 99,000 |
| New Haven, Connecticut | 5 | $ 1,132,000 | $ 226,400 | $ 103,000 |
| Collier, Florida | 5 | $ 1,481,000 | $ 296,200 | $ 87,000 |
| Seminole, Florida | 5 | $ 1,537,000 | $ 307,400 | $ 81,000 |
| Fulton, Georgia | 5 | $ 1,296,000 | $ 259,200 | $ 99,000 |
| Will, Illinois | 5 | $ 1,298,000 | $ 259,600 | $ 98,000 |
| Bristol, Massachusetts | 5 | $ 1,201,000 | $ 240,200 | $ 77,000 |
| Hampden, Massachusetts | 5 | $ 1,271,000 | $ 254,200 | $ 133,000 |
| Suffolk, Massachusetts | 5 | $ 1,276,000 | $ 255,200 | $ 112,000 |
| Hillsborough, New Hampshire | 5 | $ 1,284,000 | $ 256,800 | $ 105,000 |
| Rockingham, New Hampshire | 5 | $ 1,334,000 | $ 266,800 | $ 76,000 |
| Monmouth, New Jersey | 5 | $ 1,280,000 | $ 256,000 | $ 79,000 |
| Muskingum, Ohio | 5 | $ 616,000 | $ 123,200 | $ 70,000 |
| Stark, Ohio | 5 | $ 863,000 | $ 172,600 | $ 100,000 |
| Providence, Rhode Island | 5 | $ 1,397,000 | $ 279,400 | $ 102,000 |
| Shelby, Tennessee | 5 | $ 1,303,000 | $ 260,600 | $ 91,000 |
| Chittenden, Vermont | 5 | $ 1,414,000 | $ 282,800 | $ 84,000 |
| Berkeley, West Virginia | 5 | $ 1,068,000 | $ 213,600 | $ 87,000 |
| New Castle, Delaware | 4 | $ 1,210,000 | $ 302,500 | $ 122,000 |
| Brevard, Florida | 4 | $ 898,000 | $ 224,500 | $ 116,000 |
| Lee, Florida | 4 | $ 795,000 | $ 198,750 | $ 72,000 |
| Manatee, Florida | 4 | $ 881,000 | $ 220,250 | $ 79,000 |
| Pasco, Florida | 4 | $ 1,161,000 | $ 290,250 | $ 90,000 |
| Hendricks, Indiana | 4 | $ 482,000 | $ 120,500 | $ 74,000 |
| Lake, Indiana | 4 | $ 935,000 | $ 233,750 | $ 69,000 |
| Jefferson, Kentucky | 4 | $ 845,000 | $ 211,250 | $ 59,000 |
| Baltimore, Maryland | 4 | $ 907,000 | $ 226,750 | $ 142,000 |
| Howard, Maryland | 4 | $ 1,180,000 | $ 295,000 | $ 111,000 |
| Hampshire, Massachusetts | 4 | $ 855,000 | $ 213,750 | $ 81,000 |
| Oakland, Michigan | 4 | $ 1,093,000 | $ 273,250 | $ 105,000 |
| Atlantic, New Jersey | 4 | $ 1,013,000 | $ 253,250 | $ 93,000 |
| Middlesex, New Jersey | 4 | $ 1,136,000 | $ 284,000 | $ 96,000 |
| Rockland, New York | 4 | $ 1,408,000 | $ 352,000 | $ 167,000 |
| Saratoga, New York | 4 | $ 976,000 | $ 244,000 | $ 133,000 |
| Mecklenburg, North Carolina | 4 | $ 1,092,000 | $ 273,000 | $ 94,000 |
| Clark, Ohio | 4 | $ 649,000 | $ 162,250 | $ 66,000 |
| Montgomery, Ohio | 4 | $ 936,000 | $ 234,000 | $ 121,000 |
| Bucks, Pennsylvania | 4 | $ 1,129,000 | $ 282,250 | $ 215,000 |
| Berkeley, South Carolina | 4 | $ 797,000 | $ 199,250 | $ 84,000 |
| Richland, South Carolina | 4 | $ 789,000 | $ 197,250 | $ 109,000 |
| Davidson, Tennessee | 4 | $ 1,497,000 | $ 374,250 | $ 93,000 |
| Spotsylvania, Virginia | 4 | $ 1,181,000 | $ 295,250 | $ 135,000 |
| Putnam, West Virginia | 4 | $ 687,000 | $ 171,750 | $ 47,000 |
| New London, Connecticut | 3 | $ 787,000 | $ 262,333 | $ 126,000 |
| Tolland, Connecticut | 3 | $ 659,000 | $ 219,666 | $ 117,000 |
| Sussex, Delaware | 3 | $ 691,000 | $ 230,333 | $ 57,000 |
| Bay, Florida | 3 | $ 680,000 | $ 226,666 | $ 121,000 |
| Lake, Florida | 3 | $ 761,000 | $ 253,666 | $ 134,000 |
| Pinellas, Florida | 3 | $ 413,000 | $ 137,666 | $ 80,000 |
| Polk, Florida | 3 | $ 652,000 | $ 217,333 | $ 62,000 |
| St. Johns, Florida | 3 | $ 694,000 | $ 231,333 | $ 98,000 |
| Sumter, Florida | 3 | $ 685,000 | $ 228,333 | $ 73,000 |
| Cobb, Georgia | 3 | $ 775,000 | $ 258,333 | $ 52,000 |
| Coweta, Georgia | 3 | $ 714,000 | $ 238,000 | $ 46,000 |
| McHenry, Illinois | 3 | $ 946,000 | $ 315,333 | $ 98,000 |
| Hamilton, Indiana | 3 | $ 867,000 | $ 289,000 | $ 95,000 |
| Pendleton, Kentucky | 3 | $ 401,000 | $ 133,666 | $ 54,000 |
| Cecil, Maryland | 3 | $ 809,000 | $ 269,666 | $ 176,000 |
| Queen Anne's, Maryland | 3 | $ 741,000 | $ 247,000 | $ 71,000 |
| Plymouth, Massachusetts | 3 | $ 1,038,000 | $ 346,000 | $ 144,000 |
| Washtenaw, Michigan | 3 | $ 641,000 | $ 213,666 | $ 87,000 |
| Carroll, New Hampshire | 3 | $ 497,000 | $ 165,666 | $ 74,000 |
| Bergen, New Jersey | 3 | $ 799,000 | $ 266,333 | $ 209,000 |
| Essex, New Jersey | 3 | $ 1,121,000 | $ 373,666 | $ 138,000 |
| Hudson, New Jersey | 3 | $ 780,000 | $ 260,000 | $ 160,000 |
| Morris, New Jersey | 3 | $ 923,000 | $ 307,666 | $ 133,000 |
| Dutchess, New York | 3 | $ 612,000 | $ 204,000 | $ 134,000 |
| Erie, New York | 3 | $ 553,000 | $ 184,333 | $ 123,000 |
| Rensselaer, New York | 3 | $ 824,000 | $ 274,666 | $ 95,000 |
| Durham, North Carolina | 3 | $ 854,000 | $ 284,666 | $ 96,000 |
| Wake, North Carolina | 3 | $ 715,000 | $ 238,333 | $ 64,000 |
| Logan, Ohio | 3 | $ 347,000 | $ 115,666 | $ 41,000 |
| Marion, Ohio | 3 | $ 301,000 | $ 100,333 | $ 55,000 |
| Shelby, Ohio | 3 | $ 428,000 | $ 142,666 | $ 49,000 |
| Summit, Ohio | 3 | $ 429,000 | $ 143,000 | $ 80,000 |
| Allegheny, Pennsylvania | 3 | $ 559,000 | $ 186,333 | $ 99,000 |
| Philadelphia, Pennsylvania | 3 | $ 646,000 | $ 215,333 | $ 91,000 |
| York, Pennsylvania | 3 | $ 521,000 | $ 173,666 | $ 40,000 |
| Greenville, South Carolina | 3 | $ 645,000 | $ 215,000 | $ 107,000 |
| Lexington, South Carolina | 3 | $ 506,000 | $ 168,666 | $ 51,000 |
| Orangeburg, South Carolina | 3 | $ 605,000 | $ 201,666 | $ 132,000 |
| Sumner, Tennessee | 3 | $ 767,000 | $ 255,666 | $ 58,000 |
| Henrico, Virginia | 3 | $ 607,000 | $ 202,333 | $ 84,000 |
| Stafford, Virginia | 3 | $ 821,000 | $ 273,666 | $ 106,000 |
| Jefferson, West Virginia | 3 | $ 1,040,000 | $ 346,666 | $ 116,000 |
| Maricopa, Arizona | 2 | $ 610,000 | $ 305,000 | $ 84,000 |
| Middlesex, Connecticut | 2 | $ 576,000 | $ 288,000 | $ 206,000 |
| Kent, Delaware | 2 | $ 463,000 | $ 231,500 | $ 51,000 |
| Martin, Florida | 2 | $ 567,000 | $ 283,500 | $ 72,000 |
| Sarasota, Florida | 2 | $ 339,000 | $ 169,500 | $ 87,000 |
| St. Lucie, Florida | 2 | $ 501,000 | $ 250,500 | $ 124,000 |
| Forsyth, Georgia | 2 | $ 459,000 | $ 229,500 | $ 102,000 |
| Glynn, Georgia | 2 | $ 387,000 | $ 193,500 | $ 101,000 |
| Gwinnett, Georgia | 2 | $ 429,000 | $ 214,500 | $ 90,000 |
| Henry, Georgia | 2 | $ 421,000 | $ 210,500 | $ 118,000 |
| Kendall, Illinois | 2 | $ 520,000 | $ 260,000 | $ 122,000 |
| LaSalle, Illinois | 2 | $ 103,000 | $ 51,500 | $ 56,000 |
| Elkhart, Indiana | 2 | $ 306,000 | $ 153,000 | $ 26,000 |
| Fayette, Kentucky | 2 | $ 520,000 | $ 260,000 | $ 98,000 |
| Mason, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 75,000 |
| Oldham, Kentucky | 2 | $ 490,000 | $ 245,000 | $ 195,000 |
| Pike, Kentucky | 2 | $ 598,000 | $ 299,000 | $ 237,000 |
| Carroll, Maryland | 2 | $ 514,000 | $ 257,000 | $ 88,000 |
| Wicomico, Maryland | 2 | $ 274,000 | $ 137,000 | $ 28,000 |
| Barnstable, Massachusetts | 2 | $ 862,000 | $ 431,000 | $ 117,000 |
| Boone, Missouri | 2 | $ 344,000 | $ 172,000 | $ 57,000 |
| St. Charles, Missouri | 2 | $ 524,000 | $ 262,000 | $ 184,000 |
| Strafford, New Hampshire | 2 | $ 516,000 | $ 258,000 | $ 70,000 |
| Camden, New Jersey | 2 | $ 541,000 | $ 270,500 | $ 181,000 |
| Gloucester, New Jersey | 2 | $ 435,000 | $ 217,500 | $ 74,000 |
| Orange, New York | 2 | $ 462,000 | $ 231,000 | $ 64,000 |
| Oswego, New York | 2 | $ 398,000 | $ 199,000 | $ 138,000 |
| Dare, North Carolina | 2 | $ 583,000 | $ 291,500 | $ 133,000 |
| Champaign, Ohio | 2 | $ 170,000 | $ 85,000 | $ 31,000 |
| Fayette, Ohio | 2 | $ 219,000 | $ 109,500 | $ 52,000 |
| Greene, Ohio | 2 | $ 226,000 | $ 113,000 | $ 99,000 |
| Hocking, Ohio | 2 | $ 353,000 | $ 176,500 | $ 63,000 |
| Jackson, Ohio | 2 | $ 314,000 | $ 157,000 | $ 100,000 |
| Lorain, Ohio | 2 | $ 303,000 | $ 151,500 | $ 82,000 |
| Lucas, Ohio | 2 | $ 658,000 | $ 329,000 | $ 225,000 |
| Miami, Ohio | 2 | $ 270,000 | $ 135,000 | $ 56,000 |
| Perry, Ohio | 2 | $ 186,000 | $ 93,000 | $ 52,000 |
| Richland, Ohio | 2 | $ 370,000 | $ 185,000 | $ 46,000 |
| Ross, Ohio | 2 | $ 316,000 | $ 158,000 | $ 53,000 |
| Chester, Pennsylvania | 2 | $ 492,000 | $ 246,000 | $ 122,000 |
| Erie, Pennsylvania | 2 | $ 391,000 | $ 195,500 | $ 103,000 |
| Northampton, Pennsylvania | 2 | $ 505,000 | $ 252,500 | $ 69,000 |
| Washington, Rhode Island | 2 | $ 501,000 | $ 250,500 | $ 80,000 |
| Beaufort, South Carolina | 2 | $ 603,000 | $ 301,500 | $ 89,000 |
| Cherokee, South Carolina | 2 | $ 387,000 | $ 193,500 | $ 73,000 |
| Dorchester, South Carolina | 2 | $ 540,000 | $ 270,000 | $ 58,000 |
| Georgetown, South Carolina | 2 | $ 611,000 | $ 305,500 | $ 71,000 |
| York, South Carolina | 2 | $ 505,000 | $ 252,500 | $ 61,000 |
| Bedford, Tennessee | 2 | $ 523,000 | $ 261,500 | $ 136,000 |
| Blount, Tennessee | 2 | $ 617,000 | $ 308,500 | $ 108,000 |
| Williamson, Tennessee | 2 | $ 762,000 | $ 381,000 | $ 140,000 |
| Franklin, Vermont | 2 | $ 486,000 | $ 243,000 | $ 52,000 |
| Chesterfield, Virginia | 2 | $ 629,000 | $ 314,500 | $ 147,000 |
| Hanover, Virginia | 2 | $ 396,000 | $ 198,000 | $ 33,000 |
| James City, Virginia | 2 | $ 736,000 | $ 368,000 | $ 125,000 |
| Loudoun, Virginia | 2 | $ 1,176,000 | $ 588,000 | $ 395,000 |
| Suffolk, Virginia | 2 | $ 496,000 | $ 248,000 | $ 93,000 |
| Wood, West Virginia | 2 | $ 492,000 | $ 246,000 | $ 99,000 |
| Baldwin, Alabama | 1 | $ 257,000 | $ 257,000 | $ 123,000 |
| Madison, Alabama | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Russell, Alabama | 1 | $ 270,000 | $ 270,000 | $ 71,000 |
| St. Clair, Alabama | 1 | $ 190,000 | $ 190,000 | $ 82,000 |
| Tallapoosa, Alabama | 1 | $ 214,000 | $ 214,000 | $ 42,000 |
| Adams, Colorado | 1 | $ 331,000 | $ 331,000 | $ 126,000 |
| Litchfield, Connecticut | 1 | $ 331,000 | $ 331,000 | $ 50,000 |
| District of Columbia, District Of Columbia | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Baker, Florida | 1 | $ 371,000 | $ 371,000 | $ 207,000 |
| Clay, Florida | 1 | $ 248,000 | $ 248,000 | $ 108,000 |
| Duval, Florida | 1 | $ 322,000 | $ 322,000 | $ 105,000 |
| Flagler, Florida | 1 | $ 200,000 | $ 200,000 | $ 600,000 |
| Gilchrist, Florida | 1 | $ 344,000 | $ 344,000 | $ 72,000 |
| Indian River, Florida | 1 | $ 209,000 | $ 209,000 | $ 64,000 |
| Monroe, Florida | 1 | $ 520,000 | $ 520,000 | $ 130,000 |
| Osceola, Florida | 1 | $ 212,000 | $ 212,000 | $ 86,000 |
| Santa Rosa, Florida | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Suwannee, Florida | 1 | $ 108,000 | $ 108,000 | $ 48,000 |
| Volusia, Florida | 1 | $ 211,000 | $ 211,000 | $ 72,000 |
| Walton, Florida | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Baldwin, Georgia | 1 | $ 192,000 | $ 192,000 | $ 79,000 |
| Chattooga, Georgia | 1 | $ 613,000 | $ 613,000 | $ 0 |
| Clarke, Georgia | 1 | $ 250,000 | $ 250,000 | $ 262,000 |
| Dawson, Georgia | 1 | $ 266,000 | $ 266,000 | $ 78,000 |
| Fayette, Georgia | 1 | $ 405,000 | $ 405,000 | $ 135,000 |
| Greene, Georgia | 1 | $ 222,000 | $ 222,000 | $ 75,000 |
| Lowndes, Georgia | 1 | $ 196,000 | $ 196,000 | $ 129,000 |
| Muscogee, Georgia | 1 | $ 103,000 | $ 103,000 | $ 134,000 |
| Stephens, Georgia | 1 | $ 211,000 | $ 211,000 | $ 86,000 |
| Troup, Georgia | 1 | $ 203,000 | $ 203,000 | $ 26,000 |
| Union, Georgia | 1 | $ 92,000 | $ 92,000 | $ 45,000 |
| Clark, Illinois | 1 | $ 217,000 | $ 217,000 | $ 60,000 |
| Clinton, Illinois | 1 | $ 260,000 | $ 260,000 | $ 260,000 |
| Edgar, Illinois | 1 | $ 172,000 | $ 172,000 | $ 480,000 |
| Jersey, Illinois | 1 | $ 200,000 | $ 200,000 | $ 80,000 |
| McLean, Illinois | 1 | $ 232,000 | $ 232,000 | $ 197,000 |
| Rock Island, Illinois | 1 | $ 417,000 | $ 417,000 | $ 93,000 |
| Allen, Indiana | 1 | $ 201,000 | $ 201,000 | $ 110,000 |
| Bartholomew, Indiana | 1 | $ 207,000 | $ 207,000 | $ 98,000 |
| Clark, Indiana | 1 | $ 228,000 | $ 228,000 | $ 46,000 |
| Dearborn, Indiana | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Decatur, Indiana | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Fayette, Indiana | 1 | $ 173,000 | $ 173,000 | $ 86,000 |
| Franklin, Indiana | 1 | $ 163,000 | $ 163,000 | $ 62,000 |
| Grant, Indiana | 1 | $ 219,000 | $ 219,000 | $ 49,000 |
| Harrison, Indiana | 1 | $ 269,000 | $ 269,000 | $ 108,000 |
| Henry, Indiana | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Huntington, Indiana | 1 | $ 226,000 | $ 226,000 | $ 92,000 |
| Kosciusko, Indiana | 1 | $ 196,000 | $ 196,000 | $ 48,000 |
| Madison, Indiana | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Marion, Indiana | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Morgan, Indiana | 1 | $ 330,000 | $ 330,000 | $ 98,000 |
| Owen, Indiana | 1 | $ 260,000 | $ 260,000 | $ 90,000 |
| Porter, Indiana | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Putnam, Indiana | 1 | $ 109,000 | $ 109,000 | $ 189,000 |
| Jefferson, Iowa | 1 | $ 80,000 | $ 80,000 | $ 239,000 |
| Woodbury, Iowa | 1 | $ 97,000 | $ 97,000 | $ 30,000 |
| Shawnee, Kansas | 1 | $ 316,000 | $ 316,000 | $ 120,000 |
| Wyandotte, Kansas | 1 | $ 192,000 | $ 192,000 | $ 44,000 |
| Boyd, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Laurel, Kentucky | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Lawrence, Kentucky | 1 | $ 220,000 | $ 220,000 | $ 95,000 |
| Madison, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 64,000 |
| Wolfe, Kentucky | 1 | $ 204,000 | $ 204,000 | $ 53,000 |
| Livingston, Louisiana | 1 | $ 232,000 | $ 232,000 | $ 126,000 |
| Webster, Louisiana | 1 | $ 186,000 | $ 186,000 | $ 39,000 |
| Lincoln, Maine | 1 | $ 296,000 | $ 296,000 | $ 120,000 |
| Penobscot, Maine | 1 | $ 229,000 | $ 229,000 | $ 79,000 |
| St. Mary's, Maryland | 1 | $ 179,000 | $ 179,000 | $ 60,000 |
| Dukes, Massachusetts | 1 | $ 404,000 | $ 404,000 | $ 164,000 |
| Berrien, Michigan | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Cass, Michigan | 1 | $ 204,000 | $ 204,000 | $ 160,000 |
| Houghton, Michigan | 1 | $ 196,000 | $ 196,000 | $ 126,000 |
| Lapeer, Michigan | 1 | $ 224,000 | $ 224,000 | $ 84,000 |
| Lenawee, Michigan | 1 | $ 240,000 | $ 240,000 | $ 236,000 |
| Wayne, Michigan | 1 | $ 221,000 | $ 221,000 | $ 92,000 |
| DeSoto, Mississippi | 1 | $ 230,000 | $ 230,000 | $ 198,000 |
| Cape Girardeau, Missouri | 1 | $ 190,000 | $ 190,000 | $ 159,000 |
| Franklin, Missouri | 1 | $ 249,000 | $ 249,000 | $ 193,000 |
| Pulaski, Missouri | 1 | $ 303,000 | $ 303,000 | $ 47,000 |
| St. Louis, Missouri | 1 | $ 262,000 | $ 262,000 | $ 83,000 |
| Warren, Missouri | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Lancaster, Nebraska | 1 | $ 155,000 | $ 155,000 | $ 756,000 |
| Belknap, New Hampshire | 1 | $ 293,000 | $ 293,000 | $ 121,000 |
| Cheshire, New Hampshire | 1 | $ 275,000 | $ 275,000 | $ 131,000 |
| Burlington, New Jersey | 1 | $ 224,000 | $ 224,000 | $ 140,000 |
| Hunterdon, New Jersey | 1 | $ 262,000 | $ 262,000 | $ 185,000 |
| Mercer, New Jersey | 1 | $ 285,000 | $ 285,000 | $ 102,000 |
| Passaic, New Jersey | 1 | $ 371,000 | $ 371,000 | $ 120,000 |
| Somerset, New Jersey | 1 | $ 300,000 | $ 300,000 | $ 93,000 |
| Sussex, New Jersey | 1 | $ 225,000 | $ 225,000 | $ 42,000 |
| Warren, New Jersey | 1 | $ 226,000 | $ 226,000 | $ 277,000 |
| Chautauqua, New York | 1 | $ 250,000 | $ 250,000 | $ 164,000 |
| Genesee, New York | 1 | $ 230,000 | $ 230,000 | $ 59,000 |
| Monroe, New York | 1 | $ 236,000 | $ 236,000 | $ 139,000 |
| Montgomery, New York | 1 | $ 251,000 | $ 251,000 | $ 59,000 |
| New York, New York | 1 | $ 509,000 | $ 509,000 | $ 62,000 |
| Oneida, New York | 1 | $ 240,000 | $ 240,000 | $ 89,000 |
| Onondaga, New York | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Ontario, New York | 1 | $ 269,000 | $ 269,000 | $ 72,000 |
| Otsego, New York | 1 | $ 149,000 | $ 149,000 | $ 71,000 |
| St. Lawrence, New York | 1 | $ 190,000 | $ 190,000 | $ 215,000 |
| Ulster, New York | 1 | $ 170,000 | $ 170,000 | $ 45,000 |
| Warren, New York | 1 | $ 232,000 | $ 232,000 | $ 89,000 |
| Alamance, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Brunswick, North Carolina | 1 | $ 258,000 | $ 258,000 | $ 74,000 |
| Carteret, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Cumberland, North Carolina | 1 | $ 229,000 | $ 229,000 | $ 96,000 |
| Currituck, North Carolina | 1 | $ 197,000 | $ 197,000 | $ 68,000 |
| Forsyth, North Carolina | 1 | $ 104,000 | $ 104,000 | $ 83,000 |
| Hoke, North Carolina | 1 | $ 153,000 | $ 153,000 | $ 114,000 |
| Iredell, North Carolina | 1 | $ 171,000 | $ 171,000 | $ 49,000 |
| Jackson, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 50,000 |
| Johnston, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Lincoln, North Carolina | 1 | $ 222,000 | $ 222,000 | $ 63,000 |
| New Hanover, North Carolina | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 89,000 |
| Pasquotank, North Carolina | 1 | $ 172,000 | $ 172,000 | $ 67,000 |
| Pitt, North Carolina | 1 | $ 197,000 | $ 197,000 | $ 117,000 |
| Transylvania, North Carolina | 1 | $ 271,000 | $ 271,000 | $ 104,000 |
| Union, North Carolina | 1 | $ 218,000 | $ 218,000 | $ 53,000 |
| Watauga, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 36,000 |
| Ashland, Ohio | 1 | $ 196,000 | $ 196,000 | $ 130,000 |
| Auglaize, Ohio | 1 | $ 98,000 | $ 98,000 | $ 45,000 |
| Carroll, Ohio | 1 | $ 200,000 | $ 200,000 | $ 91,000 |
| Columbiana, Ohio | 1 | $ 283,000 | $ 283,000 | $ 92,000 |
| Crawford, Ohio | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Erie, Ohio | 1 | $ 168,000 | $ 168,000 | $ 119,000 |
| Fulton, Ohio | 1 | $ 184,000 | $ 184,000 | $ 39,000 |
| Hancock, Ohio | 1 | $ 266,000 | $ 266,000 | $ 152,000 |
| Knox, Ohio | 1 | $ 245,000 | $ 245,000 | $ 194,000 |
| Lake, Ohio | 1 | $ 206,000 | $ 206,000 | $ 96,000 |
| Mahoning, Ohio | 1 | $ 161,000 | $ 161,000 | $ 95,000 |
| Medina, Ohio | 1 | $ 300,000 | $ 300,000 | $ 54,000 |
| Mercer, Ohio | 1 | $ 172,000 | $ 172,000 | $ 62,000 |
| Morgan, Ohio | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Paulding, Ohio | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Portage, Ohio | 1 | $ 199,000 | $ 199,000 | $ 88,000 |
| Putnam, Ohio | 1 | $ 42,000 | $ 42,000 | $ 25,000 |
| Trumbull, Ohio | 1 | $ 168,000 | $ 168,000 | $ 50,000 |
| Tuscarawas, Ohio | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Van Wert, Ohio | 1 | $ 92,000 | $ 92,000 | $ 40,000 |
| Marion, Oregon | 1 | $ 254,000 | $ 254,000 | $ 57,000 |
| Adams, Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 104,000 |
| Berks, Pennsylvania | 1 | $ 221,000 | $ 221,000 | $ 87,000 |
| Cumberland, Pennsylvania | 1 | $ 239,000 | $ 239,000 | $ 116,000 |
| Delaware, Pennsylvania | 1 | $ 204,000 | $ 204,000 | $ 90,000 |
| Fayette, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Lackawanna, Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 93,000 |
| Lancaster, Pennsylvania | 1 | $ 161,000 | $ 161,000 | $ 101,000 |
| Lebanon, Pennsylvania | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Luzerne, Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 127,000 |
| Monroe, Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Venango, Pennsylvania | 1 | $ 276,000 | $ 276,000 | $ 142,000 |
| Anderson, South Carolina | 1 | $ 171,000 | $ 171,000 | $ 91,000 |
| Clarendon, South Carolina | 1 | $ 172,000 | $ 172,000 | $ 109,000 |
| Kershaw, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 56,000 |
| Laurens, South Carolina | 1 | $ 146,000 | $ 146,000 | $ 79,000 |
| Lee, South Carolina | 1 | $ 207,000 | $ 207,000 | $ 59,000 |
| Sumter, South Carolina | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
| Anderson, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Fayette, Tennessee | 1 | $ 190,000 | $ 190,000 | $ 100,000 |
| Hamilton, Tennessee | 1 | $ 238,000 | $ 238,000 | $ 36,000 |
| Humphreys, Tennessee | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Knox, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Lewis, Tennessee | 1 | $ 260,000 | $ 260,000 | $ 120,000 |
| Maury, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| McNairy, Tennessee | 1 | $ 78,000 | $ 78,000 | $ 82,000 |
| Pickett, Tennessee | 1 | $ 300,000 | $ 300,000 | $ 115,000 |
| Rutherford, Tennessee | 1 | $ 290,000 | $ 290,000 | $ 80,000 |
| Sullivan, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 71,000 |
| Washington, Tennessee | 1 | $ 231,000 | $ 231,000 | $ 160,000 |
| Wilson, Tennessee | 1 | $ 308,000 | $ 308,000 | $ 114,000 |
| Orange, Vermont | 1 | $ 259,000 | $ 259,000 | $ 97,000 |
| Washington, Vermont | 1 | $ 270,000 | $ 270,000 | $ 53,000 |
| Windsor, Vermont | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Arlington, Virginia | 1 | $ 573,000 | $ 573,000 | $ 300,000 |
| Augusta, Virginia | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Buckingham, Virginia | 1 | $ 170,000 | $ 170,000 | $ 47,000 |
| Charlottesville, Virginia | 1 | $ 347,000 | $ 347,000 | $ 47,000 |
| Culpeper, Virginia | 1 | $ 242,000 | $ 242,000 | $ 105,000 |
| Dinwiddie, Virginia | 1 | $ 234,000 | $ 234,000 | $ 175,000 |
| Frederick, Virginia | 1 | $ 358,000 | $ 358,000 | $ 115,000 |
| Isle of Wight, Virginia | 1 | $ 188,000 | $ 188,000 | $ 113,000 |
| Lancaster, Virginia | 1 | $ 208,000 | $ 208,000 | $ 125,000 |
| Newport News, Virginia | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Northumberland, Virginia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Orange, Virginia | 1 | $ 200,000 | $ 200,000 | $ 131,000 |
| Portsmouth, Virginia | 1 | $ 203,000 | $ 203,000 | $ 110,000 |
| Powhatan, Virginia | 1 | $ 300,000 | $ 300,000 | $ 102,000 |
| Rappahannock, Virginia | 1 | $ 305,000 | $ 305,000 | $ 72,000 |
| Roanoke, Virginia | 1 | $ 260,000 | $ 260,000 | $ 88,000 |
| Rockbridge, Virginia | 1 | $ 375,000 | $ 375,000 | $ 53,000 |
| Shenandoah, Virginia | 1 | $ 204,000 | $ 204,000 | $ 37,000 |
| Warren, Virginia | 1 | $ 279,000 | $ 279,000 | $ 109,000 |
| Winchester, Virginia | 1 | $ 183,000 | $ 183,000 | $ 45,000 |
| Cabell, West Virginia | 1 | $ 242,000 | $ 242,000 | $ 92,000 |
| Kanawha, West Virginia | 1 | $ 130,000 | $ 130,000 | $ 72,000 |
| Mineral, West Virginia | 1 | $ 235,000 | $ 235,000 | $ 142,000 |
Mortgage Loan Application Detail Totals for Benchmark Bank in 2015
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 | 1,136 | $280,401,000 | $246,000 | $1,036,000 | $103,000 | $1,200,000 |
| Home Purchase | 387 | $71,195,000 | $183,000 | $1,065,000 | $95,000 | $1,200,000 |
| Home Improvement | 11 | $3,717,000 | $337,000 | $720,000 | $34,000 | $120,000 |
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 | 1,051 | $237,082,000 | $225,000 | $1,044,000 | $102,000 | $960,000 |
| Not Provided | 272 | $64,260,000 | $236,000 | $717,000 | $109,000 | $1,200,000 |
| Black or African American | 116 | $25,590,000 | $220,000 | $567,000 | $87,000 | $1,200,000 |
| Hispanic | 34 | $9,429,000 | $277,000 | $626,000 | $97,000 | $301,000 |
| Asian | 33 | $8,918,000 | $270,000 | $685,000 | $101,000 | $227,000 |
| Not applicable | 16 | $7,022,000 | $438,000 | $1,065,000 | $3,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,382,000 | $264,000 | $450,000 | $95,000 | $171,000 |
| American Indian or Alaskan Native | 3 | $630,000 | $210,000 | $250,000 | $82,000 | $100,000 |
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) | 845 | $204,762,000 | $242,000 | $1,065,000 | $122,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 376 | $71,315,000 | $189,000 | $602,000 | $68,000 | $960,000 |
| VA-guaranteed (Veterans Administration) | 292 | $76,361,000 | $261,000 | $781,000 | $85,000 | $400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,875,000 | $136,000 | $227,000 | $46,000 | $77,000 |
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 | 742 | $169,082,000 | $227,000 | $1,065,000 | $102,000 | $908,000 |
| Application Withdrawn By Applicant | 348 | $81,204,000 | $233,000 | $717,000 | $108,000 | $1,200,000 |
| File Closed For Incompleteness | 270 | $66,793,000 | $247,000 | $750,000 | $104,000 | $1,200,000 |
| Application Denied By Financial Institution | 173 | $38,049,000 | $219,000 | $860,000 | $75,000 | $807,000 |
| Application Approved But Not Accepted | 1 | $185,000 | $185,000 | $185,000 | $70,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 71 | $13,166,000 | $185,000 | $509,000 | $77,000 | $807,000 |
| Debt-To-Income Ratio | 34 | $8,198,000 | $241,000 | $567,000 | $52,000 | $129,000 |
| Collateral | 13 | $2,888,000 | $222,000 | $354,000 | $72,000 | $175,000 |
| Other | 10 | $2,727,000 | $272,000 | $781,000 | $91,000 | $191,000 |
| Unverifiable Information | 2 | $341,000 | $170,000 | $207,000 | $44,000 | $60,000 |
| Credit Application Incomplete | 1 | $120,000 | $120,000 | $120,000 | $65,000 | $65,000 |
| Employment History | 1 | $306,000 | $306,000 | $306,000 | $189,000 | $189,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $79,000 | $79,000 | $79,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Benchmark Bank's 2015 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 Benchmark 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.
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