Community First Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Community First Bank & Trust of Celina, OH reported 919 mortgage applications totaling $76.4 million, down 50% from 2003. The average application was for $83,112, and applicants reported an average income of $45,596. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Lima, OH (33), Fort Wayne, IN (8) and Sandusky, OH (5) (applications in parentheses).
| Mortgage Company & Address | Community First Bank & Trust 225 N. Main St. Celina, OH 45822 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 919 |
| Total Mortgage Loan Application Amount | $76,380,000 |
| Average Mortgage Loan Application Amount | $83,112 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $45,596 |
| Highest Applicant Income | $415,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Mercer, Ohio | 253 | $ 23,378,000 | $ 92,403 | $ 44,000 |
| Van Wert, Ohio | 114 | $ 7,501,000 | $ 65,798 | $ 39,000 |
| Auglaize, Ohio | 89 | $ 7,828,000 | $ 87,955 | $ 46,000 |
| Williams, Ohio | 59 | $ 5,197,000 | $ 88,084 | $ 37,000 |
| Paulding, Ohio | 51 | $ 2,996,000 | $ 58,745 | $ 39,000 |
| Sandusky, Ohio | 49 | $ 4,968,000 | $ 101,387 | $ 47,000 |
| Randolph, Indiana | 34 | $ 1,636,000 | $ 48,117 | $ 49,000 |
| Allen, Ohio | 33 | $ 2,972,000 | $ 90,060 | $ 48,000 |
| Wabash, Indiana | 18 | $ 1,784,000 | $ 99,111 | $ 40,000 |
| Seneca, Ohio | 12 | $ 1,024,000 | $ 85,333 | $ 43,000 |
| Fulton, Indiana | 11 | $ 531,000 | $ 48,272 | $ 39,000 |
| Defiance, Ohio | 9 | $ 668,000 | $ 74,222 | $ 44,000 |
| Kosciusko, Indiana | 7 | $ 691,000 | $ 98,714 | $ 39,000 |
| Jay, Indiana | 6 | $ 365,000 | $ 60,833 | $ 45,000 |
| Putnam, Ohio | 6 | $ 432,000 | $ 72,000 | $ 45,000 |
| Allen, Indiana | 5 | $ 339,000 | $ 67,800 | $ 100,000 |
| Darke, Ohio | 5 | $ 352,000 | $ 70,400 | $ 50,000 |
| Erie, Ohio | 5 | $ 697,000 | $ 139,400 | $ 43,000 |
| Adams, Indiana | 4 | $ 359,000 | $ 89,750 | $ 48,000 |
| Whitley, Indiana | 3 | $ 293,000 | $ 97,666 | $ 192,000 |
| Huron, Ohio | 3 | $ 280,000 | $ 93,333 | $ 78,000 |
| Shelby, Ohio | 3 | $ 300,000 | $ 100,000 | $ 64,000 |
| Steuben, Indiana | 2 | $ 187,000 | $ 93,500 | $ 62,000 |
| Branch, Michigan | 2 | $ 165,000 | $ 82,500 | $ 54,000 |
| Hillsdale, Michigan | 2 | $ 163,000 | $ 81,500 | $ 43,000 |
| Logan, Ohio | 2 | $ 188,000 | $ 94,000 | $ 102,000 |
| Lucas, Ohio | 2 | $ 187,000 | $ 93,500 | $ 104,000 |
| Cook, Illinois | 1 | $ 40,000 | $ 40,000 | $ 312,000 |
| Blackford, Indiana | 1 | $ 80,000 | $ 80,000 | $ 49,000 |
| DeKalb, Indiana | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Marshall, Indiana | 1 | $ 162,000 | $ 162,000 | $ 86,000 |
| Starke, Indiana | 1 | $ 7,000 | $ 7,000 | $ 43,000 |
| Carver, Minnesota | 1 | $ 38,000 | $ 38,000 | $ 114,000 |
| Butler, Ohio | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Hancock, Ohio | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Miami, Ohio | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Montgomery, Ohio | 1 | $ 63,000 | $ 63,000 | $ 22,000 |
| Ottawa, Ohio | 1 | $ 76,000 | $ 76,000 | $ 75,000 |
| Richland, Ohio | 1 | $ 78,000 | $ 78,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Community First Bank & Trust 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 Purchase | 487 | $41,737,000 | $65,833 | $330,000 | $102,333 | $415,000 |
| Refinancing | 363 | $30,703,000 | $81,000 | $485,000 | $47,000 | $254,000 |
| Home Improvement | 69 | $3,940,000 | $45,333 | $299,000 | $42,333 | $110,000 |
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 | 878 | $73,132,000 | $69,800 | $485,000 | $60,400 | $415,000 |
| Hispanic | 13 | $839,000 | $57,250 | $197,000 | $100,750 | $312,000 |
| Not applicable | 8 | $922,000 | $116,000 | $242,000 | $20,500 | $125,000 |
| Black or African American | 6 | $440,000 | $104,000 | $150,000 | $50,500 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $235,000 | $81,500 | $128,000 | $53,000 | $76,000 |
| Asian | 4 | $390,000 | $97,000 | $251,000 | $79,000 | $198,000 |
| American Indian or Alaskan Native | 3 | $252,000 | $82,500 | $95,000 | $43,500 | $66,000 |
| Not Provided | 3 | $170,000 | $53,500 | $100,000 | $18,000 | $24,000 |
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) | 908 | $75,517,000 | $65,000 | $485,000 | $101,833 | $415,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $863,000 | $77,500 | $135,000 | $37,500 | $84,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 637 | $54,743,000 | $60,500 | $334,000 | $47,500 | $415,000 |
| Application Denied By Financial Institution | 117 | $8,467,000 | $63,250 | $485,000 | $42,250 | $139,000 |
| Preapproval Denied by Financial Institution | 54 | $4,233,000 | $78,000 | $218,000 | $31,000 | $131,000 |
| Application Approved But Not Accepted | 50 | $3,770,000 | $75,666 | $299,000 | $102,833 | $312,000 |
| Preapproval Approved but not Accepted | 49 | $4,289,000 | $87,000 | $166,000 | $53,000 | $119,000 |
| Application Withdrawn By Applicant | 10 | $718,000 | $54,500 | $150,000 | $51,500 | $81,000 |
| File Closed For Incompleteness | 2 | $160,000 | $80,000 | $89,000 | $34,000 | $35,000 |
| Loan Purchased By The 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 | 52 | $3,288,000 | $52,666 | $485,000 | $37,000 | $85,000 |
| Debt-To-Income Ratio | 50 | $4,210,000 | $88,666 | $256,000 | $31,666 | $139,000 |
| Other | 39 | $3,197,000 | $81,500 | $250,000 | $34,000 | $131,000 |
| Collateral | 10 | $568,000 | $51,000 | $104,000 | $42,000 | $67,000 |
| Employment History | 10 | $594,000 | $56,000 | $78,000 | $19,500 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $608,000 | $70,000 | $160,000 | $42,333 | $71,000 |
| Credit Application Incomplete | 2 | $235,000 | $117,000 | $135,000 | $57,000 | $84,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First Bank & Trust'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 Community First Bank & Trust'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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