First Charter Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Charter Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Charter Bank 5001 Kingsley Dr. Ml 1Mob2W Cincinnati, OH 45227 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,180 |
| Total Mortgage Loan Application Amount | $308,957,000 |
| Average Mortgage Loan Application Amount | $346,250 |
| Highest Mortgage Loan Application Amount | $3,200,000 |
| Average Applicant Income | $226,833 |
| Highest Applicant Income | $2,710,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First Charter Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Charter Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First Charter Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Charter Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Charter Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Charter Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mecklenburg County North Carolina | 578 | $ 96,001,000 | $ 166,000 | $ 73,000 |
| Cabarrus County North Carolina | 355 | $ 38,157,000 | $ 107,000 | $ 54,000 |
| Union County North Carolina | 192 | $ 29,479,000 | $ 153,000 | $ 86,000 |
| Cleveland County North Carolina | 115 | $ 9,486,000 | $ 82,000 | $ 53,000 |
| Lincoln County North Carolina | 108 | $ 10,269,000 | $ 95,000 | $ 52,000 |
| Iredell County North Carolina | 87 | $ 11,464,000 | $ 131,000 | $ 74,000 |
| Rowan County North Carolina | 78 | $ 7,034,000 | $ 90,000 | $ 51,000 |
| Rutherford County North Carolina | 66 | $ 4,858,000 | $ 73,000 | $ 46,000 |
| Wake County North Carolina | 58 | $ 11,996,000 | $ 206,000 | $ 101,000 |
| Catawba County North Carolina | 50 | $ 6,057,000 | $ 121,000 | $ 64,000 |
| Gaston County North Carolina | 44 | $ 4,457,000 | $ 101,000 | $ 47,000 |
| McDowell County North Carolina | 37 | $ 2,830,000 | $ 76,000 | $ 48,000 |
| Buncombe County North Carolina | 36 | $ 3,959,000 | $ 109,000 | $ 53,000 |
| Horry County South Carolina | 35 | $ 9,610,000 | $ 274,000 | $ 136,000 |
| Ashe County North Carolina | 33 | $ 3,850,000 | $ 116,000 | $ 62,000 |
| Stanly County North Carolina | 32 | $ 2,845,000 | $ 88,000 | $ 46,000 |
| York County South Carolina | 24 | $ 2,465,000 | $ 102,000 | $ 77,000 |
| Transylvania County North Carolina | 18 | $ 1,849,000 | $ 102,000 | $ 44,000 |
| Jackson County North Carolina | 17 | $ 1,466,000 | $ 86,000 | $ 81,000 |
| Alleghany County North Carolina | 16 | $ 1,913,000 | $ 119,000 | $ 55,000 |
| Brunswick County North Carolina | 16 | $ 4,290,000 | $ 268,000 | $ 164,000 |
| Watauga County North Carolina | 15 | $ 4,605,000 | $ 307,000 | $ 168,000 |
| Avery County North Carolina | 11 | $ 3,006,000 | $ 273,000 | $ 102,000 |
| Swain County North Carolina | 9 | $ 718,000 | $ 79,000 | $ 59,000 |
| Lancaster County South Carolina | 9 | $ 1,542,000 | $ 171,000 | $ 56,000 |
| New Hanover County North Carolina | 8 | $ 1,707,000 | $ 213,000 | $ 83,000 |
| Fairfax County Virginia | 8 | $ 2,696,000 | $ 337,000 | $ 86,000 |
| Charleston County South Carolina | 7 | $ 3,867,000 | $ 552,000 | $ 267,000 |
| Johnston County North Carolina | 6 | $ 1,028,000 | $ 171,000 | $ 130,000 |
| Loudoun County Virginia | 6 | $ 2,131,000 | $ 355,000 | $ 161,000 |
| Burke County North Carolina | 5 | $ 642,000 | $ 128,000 | $ 77,000 |
| Orange County North Carolina | 4 | $ 932,000 | $ 233,000 | $ 107,000 |
| Anson County North Carolina | 3 | $ 136,000 | $ 45,000 | $ 94,000 |
| Carteret County North Carolina | 3 | $ 720,000 | $ 240,000 | $ 159,000 |
| Durham County North Carolina | 3 | $ 657,000 | $ 219,000 | $ 89,000 |
| Forsyth County North Carolina | 3 | $ 531,000 | $ 177,000 | $ 102,000 |
| Henderson County North Carolina | 3 | $ 231,000 | $ 77,000 | $ 106,000 |
| Mitchell County North Carolina | 3 | $ 203,000 | $ 67,000 | $ 28,000 |
| Pender County North Carolina | 3 | $ 1,566,000 | $ 522,000 | $ 251,000 |
| Beaufort County South Carolina | 3 | $ 1,363,000 | $ 454,000 | $ 226,000 |
| Chesterfield County South Carolina | 3 | $ 136,000 | $ 45,000 | $ 60,000 |
| Georgetown County South Carolina | 3 | $ 831,000 | $ 277,000 | $ 209,000 |
| Greenville County South Carolina | 3 | $ 395,000 | $ 131,000 | $ 40,000 |
| Alexandria County Virginia | 3 | $ 611,000 | $ 203,000 | $ 62,000 |
| Caldwell County North Carolina | 2 | $ 121,000 | $ 60,000 | $ 40,000 |
| Cumberland County North Carolina | 2 | $ 224,000 | $ 112,000 | $ 84,000 |
| Davidson County North Carolina | 2 | $ 276,000 | $ 138,000 | $ 176,000 |
| Davie County North Carolina | 2 | $ 305,000 | $ 152,000 | $ 40,000 |
| Franklin County North Carolina | 2 | $ 123,000 | $ 61,000 | $ 98,000 |
| Montgomery County North Carolina | 2 | $ 242,000 | $ 121,000 | $ 72,000 |
| Randolph County North Carolina | 2 | $ 306,000 | $ 153,000 | $ 67,000 |
| Sampson County North Carolina | 2 | $ 188,000 | $ 94,000 | $ 35,000 |
| Wilkes County North Carolina | 2 | $ 600,000 | $ 300,000 | $ 203,000 |
| Yancey County North Carolina | 2 | $ 267,000 | $ 133,000 | $ 88,000 |
| Chester County South Carolina | 2 | $ 309,000 | $ 154,000 | $ 20,000 |
| Kershaw County South Carolina | 2 | $ 278,000 | $ 139,000 | $ 204,000 |
| Pickens County South Carolina | 2 | $ 189,000 | $ 94,000 | $ 104,000 |
| Arlington County Virginia | 2 | $ 495,000 | $ 247,000 | $ 91,000 |
| Richmond City County Virginia | 2 | $ 701,000 | $ 350,000 | $ 147,000 |
| Broward County Florida | 1 | $ 2,775,000 | $ 2,775,000 | $ 2,710,000 |
| Hillsborough County Florida | 1 | $ 1,328,000 | $ 1,328,000 | $ 207,000 |
| Cobb County Georgia | 1 | $ 1,120,000 | $ 1,120,000 | $ 266,000 |
| DeKalb County Georgia | 1 | $ 36,000 | $ 36,000 | $ 90,000 |
| Fulton County Georgia | 1 | $ 86,000 | $ 86,000 | $ 253,000 |
| Alexander County North Carolina | 1 | $ 123,000 | $ 123,000 | $ 47,000 |
| Beaufort County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 43,000 |
| Chatham County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 72,000 |
| Columbus County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Graham County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 20,000 |
| Granville County North Carolina | 1 | $ 230,000 | $ 230,000 | $ 123,000 |
| Guilford County North Carolina | 1 | $ 209,000 | $ 209,000 | $ 138,000 |
| Halifax County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 60,000 |
| Macon County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Onslow County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 63,000 |
| Pitt County North Carolina | 1 | $ 340,000 | $ 340,000 | $ 250,000 |
| Warren County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 325,000 |
| Washington County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 84,000 |
| Cherokee County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Newberry County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 238,000 |
| Oconee County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 185,000 |
| Richland County South Carolina | 1 | $ 118,000 | $ 118,000 | $ 211,000 |
| Spartanburg County South Carolina | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Carroll County Virginia | 1 | $ 360,000 | $ 360,000 | $ 386,000 |
| Frederick County Virginia | 1 | $ 275,000 | $ 275,000 | $ 148,000 |
| Grayson County Virginia | 1 | $ 84,000 | $ 84,000 | $ 61,000 |
| Halifax County Virginia | 1 | $ 17,000 | $ 17,000 | $ 41,000 |
| Patrick County Virginia | 1 | $ 131,000 | $ 131,000 | $ 63,000 |
| Pittsylvania County Virginia | 1 | $ 475,000 | $ 475,000 | $ 269,000 |
| Prince William County Virginia | 1 | $ 360,000 | $ 360,000 | $ 95,000 |
| Washington County Virginia | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for First Charter Bank 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 |
|---|---|---|---|---|---|---|
| Refinancing | 977 | $138,937,000 | $181,750 | $3,200,000 | $137,500 | $852,000 |
| Home Purchase | 940 | $163,980,000 | $664,200 | $2,775,000 | $393,400 | $2,710,000 |
| Home Improvement | 263 | $6,040,000 | $35,666 | $300,000 | $68,333 | $456,000 |
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 | 1,726 | $257,083,000 | $455,750 | $3,200,000 | $150,750 | $852,000 |
| Not Provided | 261 | $30,236,000 | $576,250 | $2,775,000 | $450,250 | $2,710,000 |
| Black or African American | 117 | $13,216,000 | $149,000 | $840,000 | $59,000 | $282,000 |
| Hispanic | 44 | $3,531,000 | $51,000 | $429,000 | $39,000 | $158,000 |
| Asian | 21 | $3,064,000 | $123,000 | $485,000 | $57,000 | $360,000 |
| Not applicable | 10 | $1,627,000 | $162,000 | $617,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $200,000 | $200,000 | $200,000 | $47,000 | $47,000 |
| 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) | 2,157 | $306,157,000 | $621,800 | $3,200,000 | $393,800 | $2,710,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,964,000 | $115,000 | $178,000 | $35,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 4 | $461,000 | $115,000 | $137,000 | $31,000 | $37,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $375,000 | $187,000 | $195,000 | $91,000 | $116,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,581 | $248,262,000 | $779,200 | $3,200,000 | $648,600 | $2,710,000 |
| Application Denied By Financial Institution | 282 | $16,691,000 | $473,000 | $1,328,000 | $109,333 | $280,000 |
| Application Withdrawn By Applicant | 193 | $29,065,000 | $155,000 | $1,850,000 | $70,500 | $419,000 |
| Application Approved But Not Accepted | 123 | $14,779,000 | $81,666 | $2,500,000 | $80,333 | $597,000 |
| File Closed For Incompleteness | 1 | $160,000 | $160,000 | $160,000 | $56,000 | $56,000 |
| 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 First Charter Bank'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 First Charter Bank'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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with aggregated HMDA statistics today.