Community First Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Community First Bank & Trust of Celina, OH reported 1,842 mortgage applications totaling $157.5 million. The average application was for $85,529, and applicants reported an average income of $54,685. 81% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lima, OH (290), Fort Wayne, IN (37) and Dayton-Springfield, OH (10) (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 | 1,842 |
| Total Mortgage Loan Application Amount | $157,546,000 |
| Average Mortgage Loan Application Amount | $85,529 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $54,685 |
| Highest Applicant Income | $452,000 |
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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Community First Bank & Trust in 2003
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 (home purchase or home improvement, one-to-four family) | 1,524 | $130,234,000 | $159,142 | $349,000 | $52,285 | $452,000 |
| Home Purchase (one-to-four family) | 303 | $26,679,000 | $87,666 | $417,000 | $46,666 | $230,000 |
| Home Improvement (one-to-four family) | 15 | $633,000 | $28,500 | $172,000 | $61,000 | $284,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,780 | $150,922,000 | $131,666 | $400,000 | $59,833 | $378,000 |
| Information not provided by applicant in mail or telephone application | 36 | $3,469,000 | $96,000 | $273,000 | $55,000 | $110,000 |
| Asian or Pacific Islander | 9 | $1,697,000 | $188,000 | $417,000 | $132,000 | $452,000 |
| Hispanic | 9 | $480,000 | $46,000 | $72,000 | $33,500 | $79,000 |
| Black | 3 | $200,000 | $66,000 | $75,000 | $58,000 | $74,000 |
| American Indian or Alaskan Native | 2 | $177,000 | $88,000 | $97,000 | $20,000 | $40,000 |
| Not applicable | 2 | $449,000 | $224,500 | $349,000 | $0 | $0 |
| Other | 1 | $152,000 | $152,000 | $152,000 | $179,000 | $179,000 |
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) | 1,839 | $157,236,000 | $162,857 | $417,000 | $51,571 | $452,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $310,000 | $103,000 | $162,000 | $42,000 | $55,000 |
| 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 | 1,489 | $129,343,000 | $159,428 | $417,000 | $52,428 | $452,000 |
| Application Withdrawn By Applicant | 178 | $14,823,000 | $100,666 | $250,000 | $56,333 | $378,000 |
| Application Denied By Financial Institution | 175 | $13,380,000 | $62,333 | $275,000 | $44,333 | $250,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 73 | $6,261,000 | $77,000 | $275,000 | $34,500 | $211,000 |
| Credit History | 64 | $4,383,000 | $65,500 | $260,000 | $41,500 | $123,000 |
| Collateral | 21 | $1,411,000 | $67,000 | $133,000 | $42,000 | $68,000 |
| Other | 16 | $1,193,000 | $64,333 | $180,000 | $48,333 | $250,000 |
| Unverifiable Information | 1 | $132,000 | $132,000 | $132,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First Bank & Trust's 2003 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.
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