First Charter Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
First Charter Bank 2007 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 | 2,089 |
| Total Mortgage Loan Application Amount | $408,556,000 |
| Average Mortgage Loan Application Amount | $143,666 |
| Highest Mortgage Loan Application Amount | $4,600,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $8,072,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 524 | $ 105,288,000 | $ 200,000 | $ 105,000 |
| Cabarrus County North Carolina | 352 | $ 47,825,000 | $ 135,000 | $ 72,000 |
| Union County North Carolina | 211 | $ 43,309,000 | $ 205,000 | $ 92,000 |
| Wake County North Carolina | 124 | $ 39,800,000 | $ 320,000 | $ 152,000 |
| Lincoln County North Carolina | 97 | $ 14,919,000 | $ 153,000 | $ 82,000 |
| Iredell County North Carolina | 86 | $ 24,454,000 | $ 284,000 | $ 221,000 |
| Rowan County North Carolina | 78 | $ 10,826,000 | $ 138,000 | $ 64,000 |
| Cleveland County North Carolina | 63 | $ 8,644,000 | $ 137,000 | $ 126,000 |
| York County South Carolina | 59 | $ 12,133,000 | $ 205,000 | $ 133,000 |
| Gaston County North Carolina | 55 | $ 7,939,000 | $ 144,000 | $ 125,000 |
| Rutherford County North Carolina | 51 | $ 4,034,000 | $ 79,000 | $ 64,000 |
| Stanly County North Carolina | 43 | $ 6,122,000 | $ 142,000 | $ 65,000 |
| Catawba County North Carolina | 42 | $ 9,344,000 | $ 222,000 | $ 129,000 |
| Ashe County North Carolina | 23 | $ 5,650,000 | $ 245,000 | $ 138,000 |
| Johnston County North Carolina | 19 | $ 3,179,000 | $ 167,000 | $ 82,000 |
| McDowell County North Carolina | 19 | $ 2,015,000 | $ 106,000 | $ 55,000 |
| Transylvania County North Carolina | 19 | $ 2,188,000 | $ 115,000 | $ 77,000 |
| Buncombe County North Carolina | 18 | $ 3,397,000 | $ 188,000 | $ 72,000 |
| Watauga County North Carolina | 14 | $ 4,610,000 | $ 329,000 | $ 218,000 |
| Lancaster County South Carolina | 12 | $ 1,970,000 | $ 164,000 | $ 81,000 |
| Gwinnett County Georgia | 11 | $ 2,906,000 | $ 264,000 | $ 179,000 |
| Horry County South Carolina | 11 | $ 2,825,000 | $ 256,000 | $ 191,000 |
| Brunswick County North Carolina | 9 | $ 2,804,000 | $ 311,000 | $ 118,000 |
| New Hanover County North Carolina | 9 | $ 2,115,000 | $ 235,000 | $ 193,000 |
| Alleghany County North Carolina | 8 | $ 1,928,000 | $ 241,000 | $ 50,000 |
| Forsyth County North Carolina | 8 | $ 993,000 | $ 124,000 | $ 53,000 |
| Cobb County Georgia | 6 | $ 663,000 | $ 110,000 | $ 71,000 |
| Chatham County North Carolina | 6 | $ 2,614,000 | $ 435,000 | $ 155,000 |
| Cherokee County Georgia | 5 | $ 875,000 | $ 175,000 | $ 100,000 |
| Guilford County North Carolina | 5 | $ 5,289,000 | $ 1,057,000 | $ 722,000 |
| Harnett County North Carolina | 5 | $ 536,000 | $ 107,000 | $ 54,000 |
| Burke County North Carolina | 4 | $ 389,000 | $ 97,000 | $ 78,000 |
| Caldwell County North Carolina | 4 | $ 983,000 | $ 245,000 | $ 135,000 |
| Davidson County North Carolina | 4 | $ 1,297,000 | $ 324,000 | $ 102,000 |
| Durham County North Carolina | 4 | $ 611,000 | $ 152,000 | $ 88,000 |
| Orange County North Carolina | 4 | $ 2,753,000 | $ 688,000 | $ 270,000 |
| Forsyth County Georgia | 3 | $ 718,000 | $ 239,000 | $ 108,000 |
| Fulton County Georgia | 3 | $ 2,106,000 | $ 702,000 | $ 2,754,000 |
| Walton County Georgia | 3 | $ 785,000 | $ 261,000 | $ 70,000 |
| Currituck County North Carolina | 3 | $ 2,928,000 | $ 976,000 | $ 384,000 |
| Jackson County North Carolina | 3 | $ 1,850,000 | $ 616,000 | $ 246,000 |
| Surry County North Carolina | 3 | $ 325,000 | $ 108,000 | $ 40,000 |
| Kershaw County South Carolina | 3 | $ 1,029,000 | $ 343,000 | $ 119,000 |
| Fairfax County Virginia | 3 | $ 972,000 | $ 324,000 | $ 117,000 |
| Barrow County Georgia | 2 | $ 470,000 | $ 235,000 | $ 89,000 |
| Anson County North Carolina | 2 | $ 243,000 | $ 121,000 | $ 54,000 |
| Avery County North Carolina | 2 | $ 778,000 | $ 389,000 | $ 145,000 |
| Davie County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 51,000 |
| Franklin County North Carolina | 2 | $ 431,000 | $ 215,000 | $ 82,000 |
| Henderson County North Carolina | 2 | $ 358,000 | $ 179,000 | $ 87,000 |
| Wilson County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 98,000 |
| Chesterfield County South Carolina | 2 | $ 167,000 | $ 83,000 | $ 45,000 |
| Richland County South Carolina | 2 | $ 254,000 | $ 127,000 | $ 110,000 |
| Bartow County Georgia | 1 | $ 123,000 | $ 123,000 | $ 41,000 |
| Carroll County Georgia | 1 | $ 82,000 | $ 82,000 | $ 52,000 |
| Hall County Georgia | 1 | $ 404,000 | $ 404,000 | $ 3,799,000 |
| Hart County Georgia | 1 | $ 417,000 | $ 417,000 | $ 344,000 |
| Newton County Georgia | 1 | $ 417,000 | $ 417,000 | $ 164,000 |
| Paulding County Georgia | 1 | $ 152,000 | $ 152,000 | $ 38,000 |
| Rabun County Georgia | 1 | $ 52,000 | $ 52,000 | $ 311,000 |
| Union County Georgia | 1 | $ 880,000 | $ 880,000 | $ 298,000 |
| Alamance County North Carolina | 1 | $ 416,000 | $ 416,000 | $ 116,000 |
| Clay County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Craven County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 189,000 |
| Cumberland County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Haywood County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 207,000 |
| Madison County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 42,000 |
| Mitchell County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 72,000 |
| Moore County North Carolina | 1 | $ 720,000 | $ 720,000 | $ 200,000 |
| Nash County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 75,000 |
| Pender County North Carolina | 1 | $ 29,000 | $ 29,000 | $ 61,000 |
| Randolph County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 33,000 |
| Robeson County North Carolina | 1 | $ 206,000 | $ 206,000 | $ 74,000 |
| Sampson County North Carolina | 1 | $ 71,000 | $ 71,000 | $ 76,000 |
| Scotland County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 130,000 |
| Stokes County North Carolina | 1 | $ 131,000 | $ 131,000 | $ 61,000 |
| Yadkin County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 71,000 |
| Aiken County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 92,000 |
| Anderson County South Carolina | 1 | $ 29,000 | $ 29,000 | $ 99,000 |
| Charleston County South Carolina | 1 | $ 64,000 | $ 64,000 | $ 551,000 |
| Cherokee County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 242,000 |
| Chester County South Carolina | 1 | $ 84,000 | $ 84,000 | $ 29,000 |
| Georgetown County South Carolina | 1 | $ 581,000 | $ 581,000 | $ 174,000 |
| Greenville County South Carolina | 1 | $ 635,000 | $ 635,000 | $ 235,000 |
| Laurens County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Bedford County Virginia | 1 | $ 370,000 | $ 370,000 | $ 59,000 |
| Loudoun County Virginia | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Warren County Virginia | 1 | $ 302,000 | $ 302,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for First Charter Bank in 2007
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 | 1,133 | $262,017,000 | $231,000 | $3,330,000 | $120,000 | $5,989,000 |
| Refinancing | 817 | $142,846,000 | $174,000 | $4,600,000 | $109,000 | $8,072,000 |
| Home Improvement | 139 | $3,693,000 | $26,000 | $300,000 | $68,000 | $576,000 |
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 | 1,527 | $325,054,000 | $212,000 | $4,600,000 | $117,000 | $5,989,000 |
| Not Provided | 298 | $39,935,000 | $134,000 | $1,177,000 | $98,000 | $907,000 |
| Black or African American | 156 | $26,153,000 | $167,000 | $1,572,000 | $127,000 | $8,072,000 |
| Hispanic | 65 | $7,924,000 | $121,000 | $350,000 | $65,000 | $350,000 |
| Not applicable | 20 | $4,476,000 | $223,000 | $998,000 | $0 | $0 |
| Asian | 19 | $4,507,000 | $237,000 | $965,000 | $132,000 | $514,000 |
| American Indian or Alaskan Native | 4 | $507,000 | $126,000 | $229,000 | $77,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,907 | $384,699,000 | $201,000 | $4,600,000 | $118,000 | $8,072,000 |
| FHA-insured (Federal Housing Administration) | 173 | $22,357,000 | $129,000 | $205,000 | $54,000 | $1,168,000 |
| VA-guaranteed (Veterans Administration) | 7 | $998,000 | $142,000 | $194,000 | $50,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $502,000 | $251,000 | $482,000 | $147,000 | $181,000 |
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 | 1,776 | $377,519,000 | $212,000 | $4,600,000 | $118,000 | $8,072,000 |
| Application Denied By Financial Institution | 171 | $10,397,000 | $60,000 | $800,000 | $71,000 | $660,000 |
| Application Approved But Not Accepted | 93 | $11,603,000 | $124,000 | $920,000 | $89,000 | $658,000 |
| Application Withdrawn By Applicant | 47 | $8,633,000 | $183,000 | $817,000 | $110,000 | $825,000 |
| File Closed For Incompleteness | 2 | $404,000 | $202,000 | $238,000 | $41,000 | $83,000 |
| 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 2007 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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