First Ohio Banc & Lending Inc Mortgage Lending & HMDA Data, 2003
In 2003, First Ohio Banc & Lending Inc of Independence, OH reported 2,820 mortgage applications totaling $302.3 million. The average application was for $107,202, and applicants reported an average income of $16,720. 19% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Columbus, OH (600), Cleveland-Lorain-Elyria, OH (446) and Philadelphia, PA-NJ (363) (applications in parentheses).
| Mortgage Company & Address | First Ohio Banc & Lending Inc 6100 Rockside Woods Blvd Independence, OH 44131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,820 |
| Total Mortgage Loan Application Amount | $302,310,000 |
| Average Mortgage Loan Application Amount | $107,202 |
| Highest Mortgage Loan Application Amount | $236,000 |
| Average Applicant Income | $16,720 |
| Highest Applicant Income | $780,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Ohio Banc & Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 432 | $ 50,494,000 | $ 116,884 | $ 15,000 |
| Cuyahoga, Ohio | 277 | $ 29,708,000 | $ 107,249 | $ 19,000 |
| Hamilton, Ohio | 144 | $ 14,983,000 | $ 104,048 | $ 26,000 |
| Delaware, Pennsylvania | 113 | $ 11,344,000 | $ 100,389 | $ 13,000 |
| Montgomery, Ohio | 112 | $ 11,377,000 | $ 101,580 | $ 14,000 |
| Summit, Ohio | 105 | $ 10,628,000 | $ 101,219 | $ 20,000 |
| Philadelphia, Pennsylvania | 104 | $ 9,590,000 | $ 92,211 | $ 12,000 |
| Lorain, Ohio | 82 | $ 8,585,000 | $ 104,695 | $ 13,000 |
| Allegheny, Pennsylvania | 78 | $ 7,313,000 | $ 93,756 | $ 21,000 |
| Bucks, Pennsylvania | 63 | $ 7,041,000 | $ 111,761 | $ 10,000 |
| Montgomery, Pennsylvania | 62 | $ 6,727,000 | $ 108,500 | $ 20,000 |
| Lancaster, Pennsylvania | 61 | $ 6,304,000 | $ 103,344 | $ 2,000 |
| Licking, Ohio | 58 | $ 7,561,000 | $ 130,362 | $ 10,000 |
| Butler, Ohio | 55 | $ 6,081,000 | $ 110,563 | $ 7,000 |
| Northampton, Pennsylvania | 52 | $ 5,209,000 | $ 100,173 | $ 1,000 |
| Delaware, Ohio | 48 | $ 8,129,000 | $ 169,354 | $ 31,000 |
| Stark, Ohio | 46 | $ 4,277,000 | $ 92,978 | $ 8,000 |
| Lake, Ohio | 42 | $ 4,821,000 | $ 114,785 | $ 23,000 |
| Portage, Ohio | 39 | $ 4,154,000 | $ 106,512 | $ 8,000 |
| Lehigh, Pennsylvania | 39 | $ 3,602,000 | $ 92,358 | $ 18,000 |
| Marion, Indiana | 36 | $ 3,415,000 | $ 94,861 | $ 11,000 |
| Clermont, Ohio | 36 | $ 4,194,000 | $ 116,500 | $ 12,000 |
| Warren, Ohio | 32 | $ 4,083,000 | $ 127,593 | $ 41,000 |
| Fairfield, Ohio | 31 | $ 3,998,000 | $ 128,967 | $ 20,000 |
| Lucas, Ohio | 31 | $ 3,234,000 | $ 104,322 | $ 8,000 |
| St. Joseph, Indiana | 23 | $ 1,808,000 | $ 78,608 | $ 31,000 |
| Mahoning, Ohio | 23 | $ 2,304,000 | $ 100,173 | $ 20,000 |
| Medina, Ohio | 22 | $ 2,822,000 | $ 128,272 | $ 25,000 |
| Chester, Pennsylvania | 21 | $ 2,086,000 | $ 99,333 | $ 32,000 |
| Trumbull, Ohio | 20 | $ 1,995,000 | $ 99,750 | $ 22,000 |
| Miami, Ohio | 19 | $ 2,047,000 | $ 107,736 | $ 10,000 |
| Richland, Ohio | 19 | $ 1,812,000 | $ 95,368 | $ 12,000 |
| York, Pennsylvania | 19 | $ 1,947,000 | $ 102,473 | $ 6,000 |
| Clark, Ohio | 18 | $ 1,935,000 | $ 107,500 | $ 14,000 |
| Columbiana, Ohio | 16 | $ 1,530,000 | $ 95,625 | $ 23,000 |
| Madison, Ohio | 16 | $ 1,881,000 | $ 117,562 | $ 33,000 |
| Pickaway, Ohio | 16 | $ 1,746,000 | $ 109,125 | $ 4,000 |
| Greene, Ohio | 15 | $ 1,536,000 | $ 102,400 | $ 1,000 |
| Berks, Pennsylvania | 15 | $ 1,564,000 | $ 104,266 | $ 9,000 |
| Ashtabula, Ohio | 14 | $ 1,386,000 | $ 99,000 | $ 10,000 |
| Westmoreland, Pennsylvania | 13 | $ 1,104,000 | $ 84,923 | $ 105,000 |
| Muskingum, Ohio | 11 | $ 1,078,000 | $ 98,000 | $ 25,000 |
| Beaver, Pennsylvania | 11 | $ 1,038,000 | $ 94,363 | $ 0 |
| Wayne, Ohio | 10 | $ 1,020,000 | $ 102,000 | $ 16,000 |
| Dauphin, Pennsylvania | 10 | $ 983,000 | $ 98,300 | $ 12,000 |
| Erie, Pennsylvania | 10 | $ 919,000 | $ 91,900 | $ 0 |
| Porter, Indiana | 9 | $ 997,000 | $ 110,777 | $ 16,000 |
| Brown, Ohio | 9 | $ 1,046,000 | $ 116,222 | $ 18,000 |
| Geauga, Ohio | 9 | $ 1,519,000 | $ 168,777 | $ 15,000 |
| Allen, Indiana | 8 | $ 560,000 | $ 70,000 | $ 22,000 |
| LaPorte, Indiana | 7 | $ 569,000 | $ 81,285 | $ 8,000 |
| Allen, Ohio | 7 | $ 721,000 | $ 103,000 | $ 35,000 |
| Wood, Ohio | 7 | $ 780,000 | $ 111,428 | $ 16,000 |
| Elkhart, Indiana | 6 | $ 600,000 | $ 100,000 | $ 0 |
| Hendricks, Indiana | 6 | $ 681,000 | $ 113,500 | $ 19,000 |
| Huron, Ohio | 6 | $ 616,000 | $ 102,666 | $ 10,000 |
| Sandusky, Ohio | 6 | $ 488,000 | $ 81,333 | $ 4,000 |
| Union, Ohio | 6 | $ 667,000 | $ 111,166 | $ 32,000 |
| Cumberland, Pennsylvania | 6 | $ 622,000 | $ 103,666 | $ 46,000 |
| Erie, Ohio | 5 | $ 531,000 | $ 106,200 | $ 11,000 |
| Hancock, Ohio | 5 | $ 496,000 | $ 99,200 | $ 15,000 |
| Highland, Ohio | 5 | $ 471,000 | $ 94,200 | $ 4,000 |
| Lake, Indiana | 4 | $ 277,000 | $ 69,250 | $ 21,000 |
| Champaign, Ohio | 4 | $ 391,000 | $ 97,750 | $ 22,000 |
| Fayette, Ohio | 4 | $ 365,000 | $ 91,250 | $ 12,000 |
| Tuscarawas, Ohio | 4 | $ 476,000 | $ 119,000 | $ 46,000 |
| Wabash, Indiana | 3 | $ 240,000 | $ 80,000 | $ 10,000 |
| Clinton, Ohio | 3 | $ 297,000 | $ 99,000 | $ 9,000 |
| Butler, Pennsylvania | 3 | $ 302,000 | $ 100,666 | $ 0 |
| Lycoming, Pennsylvania | 3 | $ 267,000 | $ 89,000 | $ 0 |
| Broward, Florida | 2 | $ 238,000 | $ 119,000 | $ 22,000 |
| Bartholomew, Indiana | 2 | $ 228,000 | $ 114,000 | $ 35,000 |
| Cass, Indiana | 2 | $ 129,000 | $ 64,500 | $ 42,000 |
| DeKalb, Indiana | 2 | $ 187,000 | $ 93,500 | $ 0 |
| Delaware, Indiana | 2 | $ 125,000 | $ 62,500 | $ 9,000 |
| Howard, Indiana | 2 | $ 172,000 | $ 86,000 | $ 71,000 |
| Johnson, Indiana | 2 | $ 189,000 | $ 94,500 | $ 0 |
| Marshall, Indiana | 2 | $ 176,000 | $ 88,000 | $ 33,000 |
| Monroe, Indiana | 2 | $ 155,000 | $ 77,500 | $ 0 |
| Rush, Indiana | 2 | $ 168,000 | $ 84,000 | $ 35,000 |
| Steuben, Indiana | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Tippecanoe, Indiana | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Carroll, Ohio | 2 | $ 177,000 | $ 88,500 | $ 0 |
| Henry, Ohio | 2 | $ 146,000 | $ 73,000 | $ 0 |
| Knox, Ohio | 2 | $ 250,000 | $ 125,000 | $ 58,000 |
| Marion, Ohio | 2 | $ 174,000 | $ 87,000 | $ 12,000 |
| Preble, Ohio | 2 | $ 151,000 | $ 75,500 | $ 0 |
| Monroe, Pennsylvania | 2 | $ 293,000 | $ 146,500 | $ 72,000 |
| Northumberland, Pennsylvania | 2 | $ 167,000 | $ 83,500 | $ 0 |
| Washington, Pennsylvania | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Duval, Florida | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Leon, Florida | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Orange, Florida | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Brown, Indiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Clark, Indiana | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Dearborn, Indiana | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Decatur, Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Gibson, Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hancock, Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Henry, Indiana | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Jasper, Indiana | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Madison, Indiana | 1 | $ 68,000 | $ 68,000 | $ 43,000 |
| Montgomery, Indiana | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Orange, Indiana | 1 | $ 77,000 | $ 77,000 | $ 39,000 |
| Perry, Indiana | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Ripley, Indiana | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Scott, Indiana | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Vanderburgh, Indiana | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Vigo, Indiana | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| Warrick, Indiana | 1 | $ 87,000 | $ 87,000 | $ 0 |
| White, Indiana | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Kent, Michigan | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Oakland, Michigan | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Coshocton, Ohio | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Hardin, Ohio | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Perry, Ohio | 1 | $ 52,000 | $ 52,000 | $ 43,000 |
| Shelby, Ohio | 1 | $ 100,000 | $ 100,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Ohio Banc & Lending Inc in 2003
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 (home purchase or home improvement, one-to-four family) | 2,550 | $274,198,000 | $112,666 | $236,000 | $11,500 | $780,000 |
| Home Purchase (one-to-four family) | 267 | $27,800,000 | $99,000 | $203,000 | $8,250 | $480,000 |
| Home Improvement (one-to-four family) | 2 | $211,000 | $105,500 | $118,000 | $33,000 | $66,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $101,000 | $101,000 | $101,000 | $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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 2,112 | $222,108,000 | $111,166 | $228,000 | $9,333 | $780,000 |
| White | 581 | $65,963,000 | $108,250 | $236,000 | $14,500 | $130,000 |
| Black | 91 | $9,922,000 | $105,000 | $225,000 | $23,000 | $109,000 |
| Hispanic | 18 | $2,015,000 | $109,500 | $211,000 | $23,250 | $71,000 |
| Asian or Pacific Islander | 9 | $1,323,000 | $137,000 | $185,000 | $12,500 | $65,000 |
| Other | 9 | $979,000 | $112,500 | $154,000 | $65,000 | $101,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,820 | $302,310,000 | $112,166 | $236,000 | $10,833 | $780,000 |
| 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 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 2,003 | $212,753,000 | $112,666 | $236,000 | $13,666 | $780,000 |
| Loan Originated | 533 | $59,145,000 | $100,000 | $224,000 | $12,666 | $128,000 |
| Application Denied By Financial Institution | 280 | $29,951,000 | $104,333 | $203,000 | $5,666 | $113,000 |
| File Closed For Incompleteness | 3 | $374,000 | $124,000 | $190,000 | $5,000 | $21,000 |
| Application Approved But Not Accepted | 1 | $87,000 | $87,000 | $87,000 | $50,000 | $50,000 |
| Loan Purchased By The 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 | 219 | $23,831,000 | $107,666 | $203,000 | $3,666 | $113,000 |
| Collateral | 8 | $899,000 | $112,000 | $192,000 | $20,000 | $76,000 |
| Debt-To-Income Ratio | 2 | $193,000 | $96,000 | $102,000 | $0 | $0 |
| Employment History | 1 | $107,000 | $107,000 | $107,000 | $38,000 | $38,000 |
| Other | 1 | $106,000 | $106,000 | $106,000 | $43,000 | $43,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ohio Banc & Lending Inc's 2003 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 Ohio Banc & Lending Inc'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.
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