Delaware Cty B & Tc Mortgage Lending & HMDA Data, 2008
In 2008, Delaware Cty B & Tc of Powell, OH reported 248 mortgage applications totaling $32.2 million, up 51% from 2007. The average application was for $130,036, and applicants reported an average income of $82,201. 79% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Columbus, OH (231), Toledo, OH (2) and Dayton, 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 | 248 |
| Total Mortgage Loan Application Amount | $32,249,000 |
| Average Mortgage Loan Application Amount | $130,036 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $82,201 |
| Highest Applicant Income | $1,900,000 |
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Act (HMDA) records Delaware Cty B & Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Columbus, OH | 231 | $ 29,910,000 | $ 129,480 | $ 80,000 |
| Toledo, OH | 2 | $ 355,000 | $ 177,500 | $ 120,000 |
| Dayton, OH | 1 | $ 76,000 | $ 76,000 | $ 224,000 |
| Sandusky, OH | 1 | $ 88,000 | $ 88,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Delaware Cty B & Tc in 2008
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 | 119 | $17,287,000 | $145,000 | $410,000 | $77,000 | $317,000 |
| Refinancing | 119 | $14,150,000 | $118,000 | $800,000 | $87,000 | $1,900,000 |
| Home Improvement | 10 | $812,000 | $81,000 | $417,000 | $87,000 | $234,000 |
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 | 228 | $29,469,000 | $129,000 | $501,000 | $88,000 | $1,900,000 |
| Not applicable | 10 | $1,146,000 | $114,000 | $265,000 | $0 | $0 |
| Not Provided | 7 | $1,342,000 | $191,000 | $800,000 | $19,000 | $52,000 |
| Asian | 1 | $64,000 | $64,000 | $64,000 | $96,000 | $96,000 |
| Black or African American | 1 | $119,000 | $119,000 | $119,000 | $39,000 | $39,000 |
| Hispanic | 1 | $109,000 | $109,000 | $109,000 | $85,000 | $85,000 |
| Native Hawaiian 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) | 227 | $29,536,000 | $130,000 | $800,000 | $85,000 | $1,900,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,597,000 | $129,000 | $259,000 | $45,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $116,000 | $116,000 | $116,000 | $91,000 | $91,000 |
| 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 | 196 | $24,623,000 | $125,000 | $501,000 | $89,000 | $1,900,000 |
| Application Denied By Financial Institution | 27 | $4,375,000 | $162,000 | $800,000 | $42,000 | $300,000 |
| Application Withdrawn By Applicant | 21 | $2,822,000 | $134,000 | $340,000 | $68,000 | $190,000 |
| File Closed For Incompleteness | 2 | $75,000 | $37,000 | $43,000 | $65,000 | $75,000 |
| Application Approved But Not Accepted | 2 | $354,000 | $177,000 | $336,000 | $73,000 | $106,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Other | 12 | $2,644,000 | $220,000 | $800,000 | $26,000 | $67,000 |
| Credit History | 11 | $980,000 | $89,000 | $259,000 | $56,000 | $300,000 |
| Debt-To-Income Ratio | 2 | $366,000 | $183,000 | $288,000 | $41,000 | $54,000 |
| Collateral | 2 | $385,000 | $192,000 | $315,000 | $67,000 | $104,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 Delaware Cty B & Tc's 2008 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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