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records Community First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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.
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