First Ohio Banc & Lending Inc Mortgage Lending & HMDA Data, 2004
In 2004, First Ohio Banc & Lending Inc of Independence, OH reported 354 mortgage applications totaling $40.3 million, down 87% from 2003. The average application was for $113,980, and applicants reported an average income of $19,728. 82% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (66), Columbus, OH (55) and Indianapolis, IN (33) (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 | 354 |
| Total Mortgage Loan Application Amount | $40,349,000 |
| Average Mortgage Loan Application Amount | $113,980 |
| Highest Mortgage Loan Application Amount | $237,000 |
| Average Applicant Income | $19,728 |
| Highest Applicant Income | $180,000 |
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records First Ohio Banc & Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cuyahoga, Ohio | 45 | $ 4,948,000 | $ 109,955 | $ 29,000 |
| Franklin, Ohio | 44 | $ 5,510,000 | $ 125,227 | $ 31,000 |
| Marion, Indiana | 33 | $ 3,543,000 | $ 107,363 | $ 3,000 |
| Hamilton, Ohio | 14 | $ 1,602,000 | $ 114,428 | $ 10,000 |
| Lorain, Ohio | 10 | $ 1,170,000 | $ 117,000 | $ 48,000 |
| Montgomery, Ohio | 10 | $ 993,000 | $ 99,300 | $ 34,000 |
| Broward, Florida | 9 | $ 1,008,000 | $ 112,000 | $ 13,000 |
| Chesterfield, Virginia | 9 | $ 998,000 | $ 110,888 | $ 0 |
| Lake, Ohio | 7 | $ 939,000 | $ 134,142 | $ 25,000 |
| Summit, Ohio | 7 | $ 755,000 | $ 107,857 | $ 17,000 |
| Lee, Florida | 6 | $ 602,000 | $ 100,333 | $ 0 |
| Hillsborough, Florida | 5 | $ 596,000 | $ 119,200 | $ 32,000 |
| Miami-Dade, Florida | 5 | $ 509,000 | $ 101,800 | $ 73,000 |
| Eaton, Michigan | 5 | $ 597,000 | $ 119,400 | $ 0 |
| Henrico, Virginia | 5 | $ 673,000 | $ 134,600 | $ 21,000 |
| Orange, Florida | 4 | $ 422,000 | $ 105,500 | $ 27,000 |
| Sarasota, Florida | 4 | $ 410,000 | $ 102,500 | $ 15,000 |
| Macomb, Michigan | 4 | $ 470,000 | $ 117,500 | $ 0 |
| Butler, Ohio | 4 | $ 458,000 | $ 114,500 | $ 40,000 |
| Clermont, Ohio | 4 | $ 482,000 | $ 120,500 | $ 0 |
| Delaware, Ohio | 4 | $ 655,000 | $ 163,750 | $ 15,000 |
| Medina, Ohio | 4 | $ 673,000 | $ 168,250 | $ 28,000 |
| Stark, Ohio | 4 | $ 392,000 | $ 98,000 | $ 12,000 |
| Fairfax, Virginia | 4 | $ 521,000 | $ 130,250 | $ 40,000 |
| Duval, Florida | 3 | $ 331,000 | $ 110,333 | $ 16,000 |
| Osceola, Florida | 3 | $ 326,000 | $ 108,666 | $ 0 |
| Seminole, Florida | 3 | $ 400,000 | $ 133,333 | $ 30,000 |
| Berrien, Michigan | 3 | $ 264,000 | $ 88,000 | $ 10,000 |
| Ingham, Michigan | 3 | $ 274,000 | $ 91,333 | $ 0 |
| Wayne, Michigan | 3 | $ 214,000 | $ 71,333 | $ 6,000 |
| Lucas, Ohio | 3 | $ 316,000 | $ 105,333 | $ 26,000 |
| Portage, Ohio | 3 | $ 275,000 | $ 91,666 | $ 0 |
| Richland, Ohio | 3 | $ 312,000 | $ 104,000 | $ 0 |
| Warren, Ohio | 3 | $ 308,000 | $ 102,666 | $ 0 |
| Greenville, South Carolina | 3 | $ 321,000 | $ 107,000 | $ 0 |
| Clay, Florida | 2 | $ 209,000 | $ 104,500 | $ 25,000 |
| Pinellas, Florida | 2 | $ 178,000 | $ 89,000 | $ 0 |
| Ottawa, Michigan | 2 | $ 196,000 | $ 98,000 | $ 0 |
| Washtenaw, Michigan | 2 | $ 243,000 | $ 121,500 | $ 0 |
| Columbiana, Ohio | 2 | $ 196,000 | $ 98,000 | $ 22,000 |
| Fairfield, Ohio | 2 | $ 203,000 | $ 101,500 | $ 0 |
| Greene, Ohio | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Licking, Ohio | 2 | $ 285,000 | $ 142,500 | $ 0 |
| Wood, Ohio | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Laurens, South Carolina | 2 | $ 201,000 | $ 100,500 | $ 54,000 |
| Prince William, Virginia | 2 | $ 323,000 | $ 161,500 | $ 90,000 |
| Spotsylvania, Virginia | 2 | $ 372,000 | $ 186,000 | $ 20,000 |
| Arapahoe, Colorado | 1 | $ 130,000 | $ 130,000 | $ 0 |
| El Paso, Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Larimer, Colorado | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Hernando, Florida | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Indian River, Florida | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Leon, Florida | 1 | $ 134,000 | $ 134,000 | $ 53,000 |
| Manatee, Florida | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Polk, Florida | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| St. Johns, Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Volusia, Florida | 1 | $ 106,000 | $ 106,000 | $ 72,000 |
| Elkhart, Indiana | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Calhoun, Michigan | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Kalamazoo, Michigan | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Kent, Michigan | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Monroe, Michigan | 1 | $ 141,000 | $ 141,000 | $ 48,000 |
| Muskegon, Michigan | 1 | $ 52,000 | $ 52,000 | $ 67,000 |
| Oakland, Michigan | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Saginaw, Michigan | 1 | $ 89,000 | $ 89,000 | $ 58,000 |
| Allen, Ohio | 1 | $ 107,000 | $ 107,000 | $ 25,000 |
| Ashland, Ohio | 1 | $ 128,000 | $ 128,000 | $ 54,000 |
| Ashtabula, Ohio | 1 | $ 170,000 | $ 170,000 | $ 47,000 |
| Clark, Ohio | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Clinton, Ohio | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Defiance, Ohio | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Erie, Ohio | 1 | $ 82,000 | $ 82,000 | $ 34,000 |
| Guernsey, Ohio | 1 | $ 63,000 | $ 63,000 | $ 34,000 |
| Highland, Ohio | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Huron, Ohio | 1 | $ 84,000 | $ 84,000 | $ 33,000 |
| Morrow, Ohio | 1 | $ 93,000 | $ 93,000 | $ 47,000 |
| Ottawa, Ohio | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Pickaway, Ohio | 1 | $ 164,000 | $ 164,000 | $ 58,000 |
| Preble, Ohio | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Union, Ohio | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 119,000 | $ 119,000 | $ 36,000 |
| Montgomery, Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Berkeley, South Carolina | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Richland, South Carolina | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Chesapeake, Virginia | 1 | $ 108,000 | $ 108,000 | $ 108,000 |
| Loudoun, Virginia | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Newport News, Virginia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 103,000 | $ 103,000 | $ 103,000 |
| Virginia Beach, Virginia | 1 | $ 152,000 | $ 152,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Ohio Banc & Lending Inc 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 | 331 | $37,923,000 | $116,777 | $237,000 | $13,111 | $180,000 |
| Home Purchase | 23 | $2,426,000 | $100,666 | $192,000 | $8,666 | $106,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| White | 314 | $35,725,000 | $116,888 | $237,000 | $15,222 | $125,000 |
| Black or African American | 33 | $3,828,000 | $117,250 | $213,000 | $25,500 | $180,000 |
| Hispanic | 4 | $408,000 | $102,000 | $132,000 | $0 | $0 |
| Asian | 2 | $241,000 | $120,500 | $127,000 | $0 | $0 |
| Not Provided | 1 | $147,000 | $147,000 | $147,000 | $50,000 | $50,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 354 | $40,349,000 | $114,666 | $237,000 | $13,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 290 | $33,330,000 | $114,555 | $237,000 | $12,777 | $180,000 |
| Application Denied By Financial Institution | 55 | $6,070,000 | $110,200 | $201,000 | $18,800 | $105,000 |
| Application Withdrawn By Applicant | 9 | $949,000 | $104,500 | $133,000 | $26,500 | $106,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 53 | $5,873,000 | $110,400 | $201,000 | $18,800 | $105,000 |
| Debt-To-Income Ratio | 1 | $91,000 | $91,000 | $91,000 | $38,000 | $38,000 |
| Unverifiable Information | 1 | $106,000 | $106,000 | $106,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ohio Banc & Lending Inc'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 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About