First Ohio Banc & Lending Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First Ohio Banc & Lending Inc 2003 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 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 | $106,461 |
| Highest Mortgage Loan Application Amount | $236,000 |
| Average Applicant Income | $12,923 |
| Highest Applicant Income | $780,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Ohio Banc & Lending Inc. 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 Ohio Banc & Lending Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First Ohio Banc & Lending Inc'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 Ohio Banc & Lending Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by First Ohio Banc & Lending Inc, 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 Ohio Banc & Lending Inc's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Ohio | 432 | $ 50,494,000 | $ 116,000 | $ 15,000 |
| Cuyahoga County Ohio | 277 | $ 29,708,000 | $ 107,000 | $ 19,000 |
| Hamilton County Ohio | 144 | $ 14,983,000 | $ 104,000 | $ 26,000 |
| Delaware County Pennsylvania | 113 | $ 11,344,000 | $ 100,000 | $ 13,000 |
| Montgomery County Ohio | 112 | $ 11,377,000 | $ 101,000 | $ 14,000 |
| Summit County Ohio | 105 | $ 10,628,000 | $ 101,000 | $ 20,000 |
| Philadelphia County Pennsylvania | 104 | $ 9,590,000 | $ 92,000 | $ 12,000 |
| Lorain County Ohio | 82 | $ 8,585,000 | $ 104,000 | $ 13,000 |
| Allegheny County Pennsylvania | 78 | $ 7,313,000 | $ 93,000 | $ 21,000 |
| Bucks County Pennsylvania | 63 | $ 7,041,000 | $ 111,000 | $ 10,000 |
| Montgomery County Pennsylvania | 62 | $ 6,727,000 | $ 108,000 | $ 20,000 |
| Lancaster County Pennsylvania | 61 | $ 6,304,000 | $ 103,000 | $ 2,000 |
| Licking County Ohio | 58 | $ 7,561,000 | $ 130,000 | $ 10,000 |
| Butler County Ohio | 55 | $ 6,081,000 | $ 110,000 | $ 7,000 |
| Northampton County Pennsylvania | 52 | $ 5,209,000 | $ 100,000 | $ 1,000 |
| Delaware County Ohio | 48 | $ 8,129,000 | $ 169,000 | $ 31,000 |
| Stark County Ohio | 46 | $ 4,277,000 | $ 92,000 | $ 8,000 |
| Lake County Ohio | 42 | $ 4,821,000 | $ 114,000 | $ 23,000 |
| Portage County Ohio | 39 | $ 4,154,000 | $ 106,000 | $ 8,000 |
| Lehigh County Pennsylvania | 39 | $ 3,602,000 | $ 92,000 | $ 18,000 |
| Marion County Indiana | 36 | $ 3,415,000 | $ 94,000 | $ 11,000 |
| Clermont County Ohio | 36 | $ 4,194,000 | $ 116,000 | $ 12,000 |
| Warren County Ohio | 32 | $ 4,083,000 | $ 127,000 | $ 41,000 |
| Fairfield County Ohio | 31 | $ 3,998,000 | $ 128,000 | $ 20,000 |
| Lucas County Ohio | 31 | $ 3,234,000 | $ 104,000 | $ 8,000 |
| St. Joseph County Indiana | 23 | $ 1,808,000 | $ 78,000 | $ 31,000 |
| Mahoning County Ohio | 23 | $ 2,304,000 | $ 100,000 | $ 20,000 |
| Medina County Ohio | 22 | $ 2,822,000 | $ 128,000 | $ 25,000 |
| Chester County Pennsylvania | 21 | $ 2,086,000 | $ 99,000 | $ 32,000 |
| Trumbull County Ohio | 20 | $ 1,995,000 | $ 99,000 | $ 22,000 |
| Miami County Ohio | 19 | $ 2,047,000 | $ 107,000 | $ 10,000 |
| Richland County Ohio | 19 | $ 1,812,000 | $ 95,000 | $ 12,000 |
| York County Pennsylvania | 19 | $ 1,947,000 | $ 102,000 | $ 6,000 |
| Clark County Ohio | 18 | $ 1,935,000 | $ 107,000 | $ 14,000 |
| Columbiana County Ohio | 16 | $ 1,530,000 | $ 95,000 | $ 23,000 |
| Madison County Ohio | 16 | $ 1,881,000 | $ 117,000 | $ 33,000 |
| Pickaway County Ohio | 16 | $ 1,746,000 | $ 109,000 | $ 4,000 |
| Greene County Ohio | 15 | $ 1,536,000 | $ 102,000 | $ 1,000 |
| Berks County Pennsylvania | 15 | $ 1,564,000 | $ 104,000 | $ 9,000 |
| Ashtabula County Ohio | 14 | $ 1,386,000 | $ 99,000 | $ 10,000 |
| Westmoreland County Pennsylvania | 13 | $ 1,104,000 | $ 84,000 | $ 105,000 |
| Muskingum County Ohio | 11 | $ 1,078,000 | $ 98,000 | $ 25,000 |
| Beaver County Pennsylvania | 11 | $ 1,038,000 | $ 94,000 | $ 0 |
| Wayne County Ohio | 10 | $ 1,020,000 | $ 102,000 | $ 16,000 |
| Dauphin County Pennsylvania | 10 | $ 983,000 | $ 98,000 | $ 12,000 |
| Erie County Pennsylvania | 10 | $ 919,000 | $ 91,000 | $ 0 |
| Porter County Indiana | 9 | $ 997,000 | $ 110,000 | $ 16,000 |
| Brown County Ohio | 9 | $ 1,046,000 | $ 116,000 | $ 18,000 |
| Geauga County Ohio | 9 | $ 1,519,000 | $ 168,000 | $ 15,000 |
| Allen County Indiana | 8 | $ 560,000 | $ 70,000 | $ 22,000 |
| LaPorte County Indiana | 7 | $ 569,000 | $ 81,000 | $ 8,000 |
| Allen County Ohio | 7 | $ 721,000 | $ 103,000 | $ 35,000 |
| Wood County Ohio | 7 | $ 780,000 | $ 111,000 | $ 16,000 |
| Elkhart County Indiana | 6 | $ 600,000 | $ 100,000 | $ 0 |
| Hendricks County Indiana | 6 | $ 681,000 | $ 113,000 | $ 19,000 |
| Huron County Ohio | 6 | $ 616,000 | $ 102,000 | $ 10,000 |
| Sandusky County Ohio | 6 | $ 488,000 | $ 81,000 | $ 4,000 |
| Union County Ohio | 6 | $ 667,000 | $ 111,000 | $ 32,000 |
| Cumberland County Pennsylvania | 6 | $ 622,000 | $ 103,000 | $ 46,000 |
| Erie County Ohio | 5 | $ 531,000 | $ 106,000 | $ 11,000 |
| Hancock County Ohio | 5 | $ 496,000 | $ 99,000 | $ 15,000 |
| Highland County Ohio | 5 | $ 471,000 | $ 94,000 | $ 4,000 |
| Lake County Indiana | 4 | $ 277,000 | $ 69,000 | $ 21,000 |
| Champaign County Ohio | 4 | $ 391,000 | $ 97,000 | $ 22,000 |
| Fayette County Ohio | 4 | $ 365,000 | $ 91,000 | $ 12,000 |
| Tuscarawas County Ohio | 4 | $ 476,000 | $ 119,000 | $ 46,000 |
| Wabash County Indiana | 3 | $ 240,000 | $ 80,000 | $ 10,000 |
| Clinton County Ohio | 3 | $ 297,000 | $ 99,000 | $ 9,000 |
| Butler County Pennsylvania | 3 | $ 302,000 | $ 100,000 | $ 0 |
| Lycoming County Pennsylvania | 3 | $ 267,000 | $ 89,000 | $ 0 |
| Broward County Florida | 2 | $ 238,000 | $ 119,000 | $ 22,000 |
| Bartholomew County Indiana | 2 | $ 228,000 | $ 114,000 | $ 35,000 |
| Cass County Indiana | 2 | $ 129,000 | $ 64,000 | $ 42,000 |
| DeKalb County Indiana | 2 | $ 187,000 | $ 93,000 | $ 0 |
| Delaware County Indiana | 2 | $ 125,000 | $ 62,000 | $ 9,000 |
| Howard County Indiana | 2 | $ 172,000 | $ 86,000 | $ 71,000 |
| Johnson County Indiana | 2 | $ 189,000 | $ 94,000 | $ 0 |
| Marshall County Indiana | 2 | $ 176,000 | $ 88,000 | $ 33,000 |
| Monroe County Indiana | 2 | $ 155,000 | $ 77,000 | $ 0 |
| Rush County Indiana | 2 | $ 168,000 | $ 84,000 | $ 35,000 |
| Steuben County Indiana | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Tippecanoe County Indiana | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Carroll County Ohio | 2 | $ 177,000 | $ 88,000 | $ 0 |
| Henry County Ohio | 2 | $ 146,000 | $ 73,000 | $ 0 |
| Knox County Ohio | 2 | $ 250,000 | $ 125,000 | $ 58,000 |
| Marion County Ohio | 2 | $ 174,000 | $ 87,000 | $ 12,000 |
| Preble County Ohio | 2 | $ 151,000 | $ 75,000 | $ 0 |
| Monroe County Pennsylvania | 2 | $ 293,000 | $ 146,000 | $ 72,000 |
| Northumberland County Pennsylvania | 2 | $ 167,000 | $ 83,000 | $ 0 |
| Washington County Pennsylvania | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Duval County Florida | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Leon County Florida | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Orange County Florida | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Brown County Indiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Clark County Indiana | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Dearborn County Indiana | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Decatur County Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Gibson County Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hancock County Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Henry County Indiana | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Jasper County Indiana | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Madison County Indiana | 1 | $ 68,000 | $ 68,000 | $ 43,000 |
| Montgomery County Indiana | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Orange County Indiana | 1 | $ 77,000 | $ 77,000 | $ 39,000 |
| Perry County Indiana | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Ripley County Indiana | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Scott County Indiana | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Vigo County Indiana | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| Warrick County Indiana | 1 | $ 87,000 | $ 87,000 | $ 0 |
| White County Indiana | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Kent County Michigan | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Oakland County Michigan | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Coshocton County Ohio | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Hardin County Ohio | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Perry County Ohio | 1 | $ 52,000 | $ 52,000 | $ 43,000 |
| Shelby County 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.