Delaware Cty B & Tc Mortgage Lending & HMDA Data, 2012
In 2012, Delaware Cty B & Tc of Powell, OH reported 136 mortgage applications totaling $22.8 million, down 16% from 2011. The average application was for $167,617, and applicants reported an average income of $104,602. 57% of its applications resulted in an originated loan and 22% were denied. Its largest market was Columbus, OH (126).
| 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 | 136 |
| Total Mortgage Loan Application Amount | $22,796,000 |
| Average Mortgage Loan Application Amount | $167,617 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $104,602 |
| Highest Applicant Income | $837,000 |
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Act (HMDA) records Delaware Cty B & Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 126 | $ 21,303,000 | $ 169,071 | $ 107,000 |
Mortgage Loan Application Detail Totals for Delaware Cty B & Tc in 2012
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 | 118 | $19,562,000 | $165,000 | $630,000 | $105,000 | $837,000 |
| Home Purchase | 18 | $3,234,000 | $179,000 | $700,000 | $102,000 | $577,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 114 | $18,472,000 | $162,000 | $700,000 | $112,000 | $837,000 |
| Not Provided | 13 | $1,980,000 | $152,000 | $405,000 | $75,000 | $386,000 |
| Not applicable | 5 | $1,538,000 | $307,000 | $630,000 | $0 | $0 |
| Asian | 2 | $708,000 | $354,000 | $415,000 | $185,000 | $238,000 |
| Black or African American | 2 | $98,000 | $49,000 | $75,000 | $60,000 | $86,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 133 | $22,416,000 | $168,000 | $700,000 | $104,000 | $837,000 |
| FHA-insured (Federal Housing Administration) | 3 | $380,000 | $126,000 | $172,000 | $124,000 | $264,000 |
| 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 | 77 | $14,209,000 | $184,000 | $700,000 | $119,000 | $687,000 |
| Application Denied By Financial Institution | 30 | $3,835,000 | $127,000 | $337,000 | $66,000 | $238,000 |
| Application Withdrawn By Applicant | 15 | $3,130,000 | $208,000 | $545,000 | $132,000 | $837,000 |
| Application Approved But Not Accepted | 12 | $956,000 | $79,000 | $188,000 | $74,000 | $165,000 |
| File Closed For Incompleteness | 2 | $666,000 | $333,000 | $447,000 | $111,000 | $156,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2012 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.
For a list of all lenders in Ohio, download the full spreadsheet
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