Dominion Homes Financial Servi Mortgage Lending & HMDA Data, 2004
In 2004, Dominion Homes Financial Servi of Dublin, OH reported 812 mortgage applications totaling $118.6 million. The average application was for $146,002, and applicants reported an average income of $45,960. 0% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Columbus, OH (694), Louisville, KY-IN (111) and Lexington-Fayette, KY (2) (applications in parentheses).
| Mortgage Company & Address | Dominion Homes Financial Servi 5000 Tuttle Crossing Blvd. Dublin, OH 43016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 812 |
| Total Mortgage Loan Application Amount | $118,554,000 |
| Average Mortgage Loan Application Amount | $146,002 |
| Highest Mortgage Loan Application Amount | $380,000 |
| Average Applicant Income | $45,960 |
| Highest Applicant Income | $205,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dominion Homes Financial Servi filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Franklin, Ohio | 335 | $ 47,995,000 | $ 143,268 | $ 41,000 |
| Delaware, Ohio | 132 | $ 20,025,000 | $ 151,704 | $ 48,000 |
| Jefferson, Kentucky | 101 | $ 14,067,000 | $ 139,277 | $ 44,000 |
| Pickaway, Ohio | 63 | $ 7,990,000 | $ 126,825 | $ 37,000 |
| Fairfield, Ohio | 60 | $ 10,426,000 | $ 173,766 | $ 52,000 |
| Licking, Ohio | 58 | $ 8,236,000 | $ 142,000 | $ 51,000 |
| Union, Ohio | 39 | $ 6,779,000 | $ 173,820 | $ 56,000 |
| Oldham, Kentucky | 8 | $ 1,289,000 | $ 161,125 | $ 63,000 |
| Madison, Ohio | 7 | $ 702,000 | $ 100,285 | $ 43,000 |
| Clark, Indiana | 4 | $ 294,000 | $ 73,500 | $ 38,000 |
| Scott, Kentucky | 2 | $ 185,000 | $ 92,500 | $ 48,000 |
| Shelby, Kentucky | 2 | $ 363,000 | $ 181,500 | $ 49,000 |
| Holmes, Ohio | 1 | $ 203,000 | $ 203,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Dominion Homes Financial Servi in 2004
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 | 812 | $118,554,000 | $120,000 | $380,000 | $43,333 | $205,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 561 | $81,391,000 | $120,000 | $302,000 | $49,333 | $205,000 |
| Black or African American | 128 | $19,836,000 | $153,500 | $255,000 | $48,000 | $145,000 |
| Not Provided | 67 | $9,761,000 | $110,000 | $380,000 | $32,666 | $120,000 |
| Hispanic | 31 | $4,300,000 | $137,000 | $244,000 | $41,500 | $104,000 |
| Asian | 17 | $2,331,000 | $137,000 | $256,000 | $37,000 | $67,000 |
| American Indian or Alaskan Native | 5 | $610,000 | $139,500 | $182,000 | $38,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $325,000 | $106,500 | $170,000 | $36,000 | $39,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 432 | $68,956,000 | $154,000 | $215,000 | $43,000 | $120,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 350 | $43,728,000 | $105,333 | $380,000 | $45,666 | $205,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,701,000 | $191,500 | $256,000 | $57,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $169,000 | $169,000 | $169,000 | $48,000 | $48,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 388 | $57,543,000 | $118,666 | $380,000 | $45,333 | $205,000 |
| Application Denied By Financial Institution | 262 | $38,033,000 | $142,000 | $290,000 | $41,000 | $120,000 |
| Application Approved But Not Accepted | 159 | $22,423,000 | $120,666 | $256,000 | $51,333 | $105,000 |
| File Closed For Incompleteness | 3 | $555,000 | $185,000 | $203,000 | $21,000 | $43,000 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 74 | $11,449,000 | $152,000 | $249,000 | $54,000 | $120,000 |
| Other | 67 | $9,417,000 | $133,000 | $290,000 | $42,000 | $110,000 |
| Debt-To-Income Ratio | 62 | $8,507,000 | $142,000 | $225,000 | $36,000 | $76,000 |
| Employment History | 24 | $3,776,000 | $143,500 | $256,000 | $37,000 | $72,000 |
| Credit Application Incomplete | 11 | $1,417,000 | $127,500 | $182,000 | $36,500 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $839,000 | $170,500 | $212,000 | $36,000 | $78,000 |
| Unverifiable Information | 4 | $570,000 | $142,000 | $168,000 | $33,000 | $50,000 |
| Collateral | 2 | $129,000 | $64,000 | $103,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dominion Homes Financial Servi's 2004 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 Dominion Homes Financial Servi'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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