Delaware Cty B & Tc Mortgage Lending & HMDA Data, 2016
In 2016, Delaware Cty B & Tc of Powell, OH reported 367 mortgage applications totaling $76.4 million, up 62% from 2015. The average application was for $208,269, and applicants reported an average income of $113,621. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Columbus, OH (340), Cape Coral-Fort Myers, FL (1) and Cincinnati, OH-KY-IN (1) (applications in parentheses).
| Mortgage Company & Address | Delaware Cty B & Tc 110 Riverbend Avenue Powell, OH 43065 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 | 367 |
| Total Mortgage Loan Application Amount | $76,435,000 |
| Average Mortgage Loan Application Amount | $208,269 |
| Highest Mortgage Loan Application Amount | $1,318,000 |
| Average Applicant Income | $113,621 |
| Highest Applicant Income | $927,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Delaware Cty B & Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Delaware Cty B & Tc in 2016
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 | 246 | $51,533,000 | $209,000 | $1,318,000 | $118,000 | $927,000 |
| Home Purchase | 108 | $22,596,000 | $209,000 | $703,000 | $103,000 | $347,000 |
| Home Improvement | 13 | $2,306,000 | $177,000 | $440,000 | $119,000 | $220,000 |
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 | 321 | $67,117,000 | $209,000 | $1,318,000 | $115,000 | $927,000 |
| Not Provided | 28 | $5,385,000 | $192,000 | $900,000 | $128,000 | $693,000 |
| Hispanic | 6 | $655,000 | $109,000 | $137,000 | $59,000 | $91,000 |
| Asian | 5 | $1,189,000 | $237,000 | $396,000 | $112,000 | $133,000 |
| Not applicable | 4 | $1,521,000 | $380,000 | $683,000 | $0 | $0 |
| Black or African American | 3 | $568,000 | $189,000 | $204,000 | $99,000 | $125,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 334 | $71,054,000 | $212,000 | $1,318,000 | $118,000 | $927,000 |
| FHA-insured (Federal Housing Administration) | 22 | $3,692,000 | $167,000 | $315,000 | $67,000 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $906,000 | $151,000 | $218,000 | $51,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 5 | $783,000 | $156,000 | $243,000 | $69,000 | $93,000 |
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 | 246 | $49,942,000 | $203,000 | $1,250,000 | $118,000 | $927,000 |
| Application Denied By Financial Institution | 66 | $11,594,000 | $175,000 | $495,000 | $89,000 | $393,000 |
| Application Withdrawn By Applicant | 35 | $9,078,000 | $259,000 | $900,000 | $144,000 | $693,000 |
| Application Approved But Not Accepted | 11 | $1,656,000 | $150,000 | $372,000 | $72,000 | $157,000 |
| File Closed For Incompleteness | 6 | $1,678,000 | $279,000 | $627,000 | $165,000 | $392,000 |
| Loan Purchased By The Institution | 3 | $2,487,000 | $829,000 | $1,318,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Delaware Cty B & Tc's 2016 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 Delaware Cty B & Tc'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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