First Natl. Bank in New Bremen Mortgage Lending & HMDA Data, 2004
In 2004, First Natl. Bank in New Bremen of New Bremen, OH reported 214 mortgage applications totaling $14.5 million, down 43% from 2003. The average application was for $67,686, and applicants reported an average income of $49,831. 69% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Lima, OH (18) and Dayton, OH (6).
| Mortgage Company & Address | First Natl. Bank in New Bremen 435 S. Washington St. P.O. Box 68 New Bremen, OH 45869 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 214 |
| Total Mortgage Loan Application Amount | $14,485,000 |
| Average Mortgage Loan Application Amount | $67,686 |
| Highest Mortgage Loan Application Amount | $309,000 |
| Average Applicant Income | $49,831 |
| Highest Applicant Income | $344,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Natl. Bank in New Bremen filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Auglaize, Ohio | 86 | $ 6,849,000 | $ 79,639 | $ 67,000 |
| Shelby, Ohio | 61 | $ 4,738,000 | $ 77,672 | $ 54,000 |
| Mercer, Ohio | 20 | $ 994,000 | $ 49,700 | $ 49,000 |
| Allen, Ohio | 18 | $ 870,000 | $ 48,333 | $ 32,000 |
| Darke, Ohio | 16 | $ 467,000 | $ 29,187 | $ 31,000 |
| Miami, Ohio | 6 | $ 362,000 | $ 60,333 | $ 66,000 |
| Van Wert, Ohio | 3 | $ 105,000 | $ 35,000 | $ 29,000 |
| Logan, Ohio | 2 | $ 85,000 | $ 42,500 | $ 47,000 |
| Hardin, Ohio | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Putnam, Ohio | 1 | $ 9,000 | $ 9,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for First Natl. Bank in New Bremen 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 |
|---|---|---|---|---|---|---|
| Refinancing | 122 | $9,236,000 | $75,000 | $309,000 | $52,000 | $288,000 |
| Home Purchase | 68 | $4,786,000 | $70,000 | $214,000 | $48,000 | $344,000 |
| Home Improvement | 24 | $463,000 | $19,000 | $70,000 | $44,000 | $186,000 |
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 | 194 | $13,931,000 | $71,000 | $309,000 | $51,000 | $310,000 |
| Not Provided | 17 | $443,000 | $26,000 | $87,000 | $27,000 | $50,000 |
| Not applicable | 2 | $109,000 | $54,000 | $65,000 | $172,000 | $344,000 |
| American Indian or Alaskan Native | 1 | $2,000 | $2,000 | $2,000 | $7,000 | $7,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 214 | $14,485,000 | $67,000 | $309,000 | $49,000 | $344,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 147 | $10,511,000 | $71,000 | $255,000 | $63,000 | $344,000 |
| Application Denied By Financial Institution | 38 | $1,559,000 | $41,000 | $160,000 | $33,000 | $83,000 |
| Application Withdrawn By Applicant | 16 | $1,554,000 | $97,000 | $309,000 | $61,000 | $288,000 |
| File Closed For Incompleteness | 10 | $472,000 | $47,000 | $185,000 | $30,000 | $69,000 |
| Application Approved But Not Accepted | 3 | $389,000 | $129,000 | $200,000 | $71,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,001,000 | $52,000 | $160,000 | $37,000 | $83,000 |
| Collateral | 6 | $164,000 | $27,000 | $68,000 | $37,000 | $69,000 |
| Debt-To-Income Ratio | 5 | $137,000 | $27,000 | $50,000 | $22,000 | $47,000 |
| Employment History | 2 | $115,000 | $57,000 | $100,000 | $31,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $75,000 | $37,000 | $45,000 | $28,000 | $35,000 |
| Credit Application Incomplete | 2 | $7,000 | $3,000 | $5,000 | $15,000 | $24,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $63,000 | $63,000 |
| Unverifiable Information | 1 | $10,000 | $10,000 | $10,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Natl. Bank in New Bremen'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 First Natl. Bank in New Bremen'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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