Delaware Cty B & Tc Mortgage Lending & HMDA Data, 2005
In 2005, Delaware Cty B & Tc of Powell, OH reported 300 mortgage applications totaling $46.6 million, down 33% from 2004. The average application was for $155,170, and applicants reported an average income of $80,910. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Columbus, OH (256), Cape Coral-Fort Myers, FL (1) and Toledo, OH (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 | 300 |
| Total Mortgage Loan Application Amount | $46,551,000 |
| Average Mortgage Loan Application Amount | $155,170 |
| Highest Mortgage Loan Application Amount | $2,450,000 |
| Average Applicant Income | $80,910 |
| Highest Applicant Income | $1,075,000 |
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Act (HMDA) records Delaware Cty B & Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Delaware, Ohio | 163 | $ 22,183,000 | $ 136,092 | $ 82,000 |
| Union, Ohio | 31 | $ 5,042,000 | $ 162,645 | $ 72,000 |
| Franklin, Ohio | 26 | $ 7,277,000 | $ 279,884 | $ 107,000 |
| Morrow, Ohio | 22 | $ 2,620,000 | $ 119,090 | $ 61,000 |
| Knox, Ohio | 12 | $ 1,532,000 | $ 127,666 | $ 60,000 |
| Marion, Ohio | 9 | $ 486,000 | $ 54,000 | $ 46,000 |
| Licking, Ohio | 6 | $ 1,562,000 | $ 260,333 | $ 85,000 |
| Logan, Ohio | 6 | $ 1,716,000 | $ 286,000 | $ 73,000 |
| Madison, Ohio | 6 | $ 1,130,000 | $ 188,333 | $ 95,000 |
| Ross, Ohio | 2 | $ 228,000 | $ 114,000 | $ 110,000 |
| Lee, Florida | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Boyd, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 120,000 |
| Kalkaska, Michigan | 1 | $ 160,000 | $ 160,000 | $ 169,000 |
| Brunswick, North Carolina | 1 | $ 188,000 | $ 188,000 | $ 160,000 |
| Athens, Ohio | 1 | $ 329,000 | $ 329,000 | $ 192,000 |
| Champaign, Ohio | 1 | $ 268,000 | $ 268,000 | $ 27,000 |
| Crawford, Ohio | 1 | $ 46,000 | $ 46,000 | $ 36,000 |
| Defiance, Ohio | 1 | $ 234,000 | $ 234,000 | $ 72,000 |
| Fairfield, Ohio | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| Fayette, Ohio | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Medina, Ohio | 1 | $ 410,000 | $ 410,000 | $ 89,000 |
| Ottawa, Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pickaway, Ohio | 1 | $ 112,000 | $ 112,000 | $ 130,000 |
| Sandusky, Ohio | 1 | $ 65,000 | $ 65,000 | $ 140,000 |
| Vinton, Ohio | 1 | $ 67,000 | $ 67,000 | $ 49,000 |
| Warren, Ohio | 1 | $ 184,000 | $ 184,000 | $ 80,000 |
| Wood, Ohio | 1 | $ 102,000 | $ 102,000 | $ 184,000 |
Mortgage Loan Application Detail Totals for Delaware Cty B & Tc in 2005
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 | 176 | $35,064,000 | $154,500 | $2,450,000 | $134,500 | $1,075,000 |
| Refinancing | 64 | $8,683,000 | $132,500 | $650,000 | $34,500 | $310,000 |
| Home Improvement | 60 | $2,804,000 | $46,000 | $140,000 | $68,000 | $250,000 |
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 | 296 | $45,892,000 | $140,600 | $2,450,000 | $105,200 | $1,075,000 |
| Not Provided | 2 | $289,000 | $144,000 | $229,000 | $164,000 | $230,000 |
| Asian | 1 | $350,000 | $350,000 | $350,000 | $226,000 | $226,000 |
| Black or African American | 1 | $20,000 | $20,000 | $20,000 | $27,000 | $27,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 300 | $46,551,000 | $140,600 | $2,450,000 | $106,000 | $1,075,000 |
| 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 | 240 | $37,937,000 | $141,200 | $2,450,000 | $107,600 | $1,075,000 |
| Application Withdrawn By Applicant | 36 | $4,527,000 | $125,000 | $477,000 | $73,000 | $240,000 |
| Application Denied By Financial Institution | 13 | $1,820,000 | $140,000 | $563,000 | $55,000 | $149,000 |
| Loan Purchased By The Institution | 10 | $2,125,000 | $212,000 | $410,000 | $78,000 | $123,000 |
| File Closed For Incompleteness | 1 | $142,000 | $142,000 | $142,000 | $48,000 | $48,000 |
| Application Approved But Not Accepted | 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 | 1 | $38,000 | $38,000 | $38,000 | $36,000 | $36,000 |
| Debt-To-Income Ratio | 1 | $21,000 | $21,000 | $21,000 | $37,000 | $37,000 |
| Collateral | 1 | $114,000 | $114,000 | $114,000 | $56,000 | $56,000 |
| 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 |
| 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 2005 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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