Cinco Family Financial Center Mortgage Lending & HMDA Data, 2004
In 2004, Cinco Family Financial Center of Cincinnati, OH reported 196 mortgage applications totaling $12.2 million, down 70% from 2003. The average application was for $62,403, and applicants reported an average income of $74,500. 83% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (174), Dayton, OH (1) and Kansas City, MO-KS (1) (applications in parentheses).
| Mortgage Company & Address | Cinco Family Financial Center 49 William Howard Taft Cincinnati, OH 45219 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 196 |
| Total Mortgage Loan Application Amount | $12,231,000 |
| Average Mortgage Loan Application Amount | $62,403 |
| Highest Mortgage Loan Application Amount | $440,000 |
| Average Applicant Income | $74,500 |
| Highest Applicant Income | $283,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cinco Family Financial Center filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 174 | $ 11,092,000 | $ 63,747 | $ 76,000 |
| Dayton, OH | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Kansas City, MO-KS | 1 | $ 311,000 | $ 311,000 | $ 133,000 |
| Punta Gorda, FL | 1 | $ 77,000 | $ 77,000 | $ 105,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 51,000 | $ 51,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Cinco Family Financial Center 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 |
|---|---|---|---|---|---|---|
| Home Improvement | 141 | $4,687,000 | $36,000 | $168,000 | $72,750 | $226,000 |
| Refinancing | 35 | $4,427,000 | $170,333 | $311,000 | $98,000 | $283,000 |
| Home Purchase | 20 | $3,117,000 | $107,000 | $440,000 | $66,750 | $140,000 |
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 | 133 | $8,870,000 | $99,500 | $315,000 | $83,666 | $283,000 |
| Black or African American | 54 | $2,900,000 | $53,000 | $440,000 | $66,000 | $167,000 |
| Not Provided | 6 | $392,000 | $65,000 | $168,000 | $114,000 | $226,000 |
| Not applicable | 2 | $54,000 | $27,000 | $31,000 | $68,500 | $83,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $100,000 | $100,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 196 | $12,231,000 | $98,166 | $440,000 | $85,333 | $283,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 162 | $10,497,000 | $97,333 | $440,000 | $90,166 | $283,000 |
| Application Denied By Financial Institution | 17 | $907,000 | $77,000 | $167,000 | $45,500 | $152,000 |
| Application Withdrawn By Applicant | 15 | $676,000 | $31,000 | $235,000 | $53,500 | $123,000 |
| File Closed For Incompleteness | 1 | $56,000 | $56,000 | $56,000 | $47,000 | $47,000 |
| Application Approved But Not Accepted | 1 | $95,000 | $95,000 | $95,000 | $37,000 | $37,000 |
| 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 | 7 | $218,000 | $31,000 | $58,000 | $66,000 | $144,000 |
| Collateral | 6 | $494,000 | $82,000 | $167,000 | $69,000 | $152,000 |
| Debt-To-Income Ratio | 4 | $195,000 | $67,000 | $104,000 | $34,500 | $48,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cinco Family Financial Center'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 Cinco Family Financial Center'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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