Champaign National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Champaign National Bank 2004 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 | Champaign National Bank 6400 Perimeter Dr Dublin, OH 43016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 278 |
| Total Mortgage Loan Application Amount | $30,218,000 |
| Average Mortgage Loan Application Amount | $209,000 |
| Highest Mortgage Loan Application Amount | $1,150,000 |
| Average Applicant Income | $233,222 |
| Highest Applicant Income | $1,165,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Champaign 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 Champaign National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Champaign 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 Champaign National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Champaign 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 Champaign National Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Ohio | 66 | $ 4,810,000 | $ 72,000 | $ 107,000 |
| Champaign County Ohio | 57 | $ 5,790,000 | $ 101,000 | $ 60,000 |
| Logan County Ohio | 36 | $ 3,571,000 | $ 99,000 | $ 42,000 |
| Licking County Ohio | 25 | $ 470,000 | $ 18,000 | $ 48,000 |
| Franklin County Ohio | 23 | $ 3,028,000 | $ 131,000 | $ 85,000 |
| Union County Ohio | 18 | $ 2,450,000 | $ 136,000 | $ 75,000 |
| Summit County Ohio | 16 | $ 3,776,000 | $ 236,000 | $ 111,000 |
| Clark County Ohio | 9 | $ 1,208,000 | $ 134,000 | $ 64,000 |
| Madison County Ohio | 8 | $ 1,337,000 | $ 167,000 | $ 46,000 |
| Delaware County Ohio | 4 | $ 717,000 | $ 179,000 | $ 88,000 |
| Miami County Ohio | 3 | $ 389,000 | $ 129,000 | $ 65,000 |
| Greene County Ohio | 2 | $ 331,000 | $ 165,000 | $ 48,000 |
| Collier County Florida | 1 | $ 720,000 | $ 720,000 | $ 1,100,000 |
| Gadsden County Florida | 1 | $ 64,000 | $ 64,000 | $ 30,000 |
| St. Joseph County Indiana | 1 | $ 88,000 | $ 88,000 | $ 34,000 |
| Brunswick County North Carolina | 1 | $ 356,000 | $ 356,000 | $ 202,000 |
| Auglaize County Ohio | 1 | $ 77,000 | $ 77,000 | $ 41,000 |
| Cuyahoga County Ohio | 1 | $ 391,000 | $ 391,000 | $ 191,000 |
| Marion County Ohio | 1 | $ 72,000 | $ 72,000 | $ 79,000 |
| Portage County Ohio | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Shelby County Ohio | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Beaufort County South Carolina | 1 | $ 348,000 | $ 348,000 | $ 161,000 |
| Travis County Texas | 1 | $ 60,000 | $ 60,000 | $ 322,000 |
Mortgage Loan Application Detail Totals for Champaign National Bank in 2004
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 | 138 | $12,780,000 | $81,333 | $1,150,000 | $39,666 | $1,165,000 |
| Home Purchase | 133 | $17,186,000 | $386,250 | $720,000 | $384,000 | $1,100,000 |
| Home Improvement | 7 | $252,000 | $46,000 | $70,000 | $222,000 | $470,000 |
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 | 171 | $22,676,000 | $256,600 | $720,000 | $263,400 | $1,100,000 |
| Not applicable | 91 | $5,320,000 | $58,000 | $1,150,000 | $71,000 | $1,165,000 |
| Not Provided | 14 | $1,663,000 | $104,500 | $583,000 | $50,500 | $268,000 |
| Hispanic | 1 | $135,000 | $135,000 | $135,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $424,000 | $424,000 | $424,000 | $273,000 | $273,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 275 | $30,006,000 | $224,833 | $1,150,000 | $225,833 | $1,165,000 |
| FHA-insured (Federal Housing Administration) | 3 | $212,000 | $70,000 | $97,000 | $24,000 | $38,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 190 | $20,252,000 | $251,400 | $1,150,000 | $266,200 | $1,165,000 |
| Application Withdrawn By Applicant | 44 | $5,874,000 | $111,000 | $583,000 | $60,000 | $268,000 |
| Application Denied By Financial Institution | 43 | $3,957,000 | $92,000 | $382,000 | $49,000 | $105,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $36,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 13 | $1,077,000 | $82,000 | $143,000 | $38,000 | $83,000 |
| Debt-To-Income Ratio | 12 | $1,078,000 | $89,000 | $167,000 | $44,000 | $87,000 |
| Collateral | 5 | $507,000 | $101,000 | $217,000 | $69,000 | $89,000 |
| Credit Application Incomplete | 4 | $332,000 | $83,000 | $185,000 | $60,000 | $92,000 |
| Other | 3 | $237,000 | $79,000 | $99,000 | $83,000 | $105,000 |
| Employment History | 3 | $533,000 | $177,000 | $382,000 | $48,000 | $94,000 |
| Unverifiable Information | 2 | $96,000 | $48,000 | $69,000 | $15,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $97,000 | $97,000 | $97,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Champaign National Bank's 2004 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 Champaign 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.