Delaware Cty B & Tc Mortgage Lending & HMDA Data, 2014
In 2014, Delaware Cty B & Tc of Powell, OH reported 315 mortgage applications totaling $63.3 million, down 28% from 2013. The average application was for $201,038, and applicants reported an average income of $88,936. 59% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Columbus, OH (302), Columbia, MO (1) and Mansfield, 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 | 315 |
| Total Mortgage Loan Application Amount | $63,327,000 |
| Average Mortgage Loan Application Amount | $201,038 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $88,936 |
| Highest Applicant Income | $843,000 |
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Act (HMDA) records Delaware Cty B & Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 191 | $ 34,681,000 | $ 181,575 | $ 93,000 |
| Franklin, Ohio | 75 | $ 21,349,000 | $ 284,653 | $ 83,000 |
| Union, Ohio | 16 | $ 2,548,000 | $ 159,250 | $ 94,000 |
| Morrow, Ohio | 13 | $ 1,567,000 | $ 120,538 | $ 76,000 |
| Licking, Ohio | 5 | $ 975,000 | $ 195,000 | $ 83,000 |
| Marion, Ohio | 3 | $ 407,000 | $ 135,666 | $ 90,000 |
| Knox, Ohio | 2 | $ 224,000 | $ 112,000 | $ 96,000 |
| Logan, Ohio | 2 | $ 110,000 | $ 55,000 | $ 63,000 |
| Boone, Missouri | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Champaign, Ohio | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Crawford, Ohio | 1 | $ 176,000 | $ 176,000 | $ 84,000 |
| Fairfield, Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Fayette, Ohio | 1 | $ 390,000 | $ 390,000 | $ 126,000 |
| Madison, Ohio | 1 | $ 221,000 | $ 221,000 | $ 147,000 |
| Richland, Ohio | 1 | $ 180,000 | $ 180,000 | $ 94,000 |
| Ross, Ohio | 1 | $ 174,000 | $ 174,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Delaware Cty B & Tc in 2014
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 | 188 | $32,370,000 | $172,000 | $770,000 | $92,000 | $843,000 |
| Home Purchase | 109 | $28,607,000 | $262,000 | $1,045,000 | $81,000 | $489,000 |
| Home Improvement | 18 | $2,350,000 | $130,000 | $692,000 | $105,000 | $425,000 |
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 | 288 | $56,573,000 | $196,000 | $1,045,000 | $91,000 | $843,000 |
| Asian | 11 | $2,864,000 | $260,000 | $520,000 | $113,000 | $260,000 |
| Not Provided | 6 | $2,012,000 | $335,000 | $632,000 | $57,000 | $150,000 |
| Not applicable | 4 | $817,000 | $204,000 | $416,000 | $0 | $0 |
| Black or African American | 2 | $161,000 | $80,000 | $109,000 | $28,000 | $56,000 |
| Hispanic | 2 | $620,000 | $310,000 | $396,000 | $70,000 | $141,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $236,000 | $236,000 | $236,000 | $107,000 | $107,000 |
| American Indian or Alaskan Native | 1 | $44,000 | $44,000 | $44,000 | $13,000 | $13,000 |
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) | 315 | $63,327,000 | $201,000 | $1,045,000 | $89,000 | $843,000 |
| 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 | 187 | $34,353,000 | $183,000 | $770,000 | $111,000 | $843,000 |
| Application Denied By Financial Institution | 46 | $5,580,000 | $121,000 | $386,000 | $64,000 | $168,000 |
| Loan Purchased By The Institution | 36 | $15,114,000 | $419,000 | $1,045,000 | $0 | $0 |
| Application Approved But Not Accepted | 25 | $3,085,000 | $123,000 | $365,000 | $78,000 | $171,000 |
| Application Withdrawn By Applicant | 15 | $3,629,000 | $241,000 | $692,000 | $120,000 | $425,000 |
| File Closed For Incompleteness | 6 | $1,566,000 | $261,000 | $828,000 | $117,000 | $284,000 |
| 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 2014 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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