First Ohio Banc & Lending Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First Ohio Banc & Lending Inc 2004 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 | 354 |
| Total Mortgage Loan Application Amount | $40,349,000 |
| Average Mortgage Loan Application Amount | $112,750 |
| Highest Mortgage Loan Application Amount | $237,000 |
| Average Applicant Income | $12,000 |
| Highest Applicant Income | $180,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cuyahoga County Ohio | 45 | $ 4,948,000 | $ 109,000 | $ 29,000 |
| Franklin County Ohio | 44 | $ 5,510,000 | $ 125,000 | $ 31,000 |
| Marion County Indiana | 33 | $ 3,543,000 | $ 107,000 | $ 3,000 |
| Hamilton County Ohio | 14 | $ 1,602,000 | $ 114,000 | $ 10,000 |
| Lorain County Ohio | 10 | $ 1,170,000 | $ 117,000 | $ 48,000 |
| Montgomery County Ohio | 10 | $ 993,000 | $ 99,000 | $ 34,000 |
| Broward County Florida | 9 | $ 1,008,000 | $ 112,000 | $ 13,000 |
| Chesterfield County Virginia | 9 | $ 998,000 | $ 110,000 | $ 0 |
| Lake County Ohio | 7 | $ 939,000 | $ 134,000 | $ 25,000 |
| Summit County Ohio | 7 | $ 755,000 | $ 107,000 | $ 17,000 |
| Lee County Florida | 6 | $ 602,000 | $ 100,000 | $ 0 |
| Hillsborough County Florida | 5 | $ 596,000 | $ 119,000 | $ 32,000 |
| Miami-Dade County Florida | 5 | $ 509,000 | $ 101,000 | $ 73,000 |
| Eaton County Michigan | 5 | $ 597,000 | $ 119,000 | $ 0 |
| Henrico County Virginia | 5 | $ 673,000 | $ 134,000 | $ 21,000 |
| Orange County Florida | 4 | $ 422,000 | $ 105,000 | $ 27,000 |
| Sarasota County Florida | 4 | $ 410,000 | $ 102,000 | $ 15,000 |
| Macomb County Michigan | 4 | $ 470,000 | $ 117,000 | $ 0 |
| Butler County Ohio | 4 | $ 458,000 | $ 114,000 | $ 40,000 |
| Clermont County Ohio | 4 | $ 482,000 | $ 120,000 | $ 0 |
| Delaware County Ohio | 4 | $ 655,000 | $ 163,000 | $ 15,000 |
| Medina County Ohio | 4 | $ 673,000 | $ 168,000 | $ 28,000 |
| Stark County Ohio | 4 | $ 392,000 | $ 98,000 | $ 12,000 |
| Fairfax County Virginia | 4 | $ 521,000 | $ 130,000 | $ 40,000 |
| Duval County Florida | 3 | $ 331,000 | $ 110,000 | $ 16,000 |
| Osceola County Florida | 3 | $ 326,000 | $ 108,000 | $ 0 |
| Seminole County Florida | 3 | $ 400,000 | $ 133,000 | $ 30,000 |
| Berrien County Michigan | 3 | $ 264,000 | $ 88,000 | $ 10,000 |
| Ingham County Michigan | 3 | $ 274,000 | $ 91,000 | $ 0 |
| Wayne County Michigan | 3 | $ 214,000 | $ 71,000 | $ 6,000 |
| Lucas County Ohio | 3 | $ 316,000 | $ 105,000 | $ 26,000 |
| Portage County Ohio | 3 | $ 275,000 | $ 91,000 | $ 0 |
| Richland County Ohio | 3 | $ 312,000 | $ 104,000 | $ 0 |
| Warren County Ohio | 3 | $ 308,000 | $ 102,000 | $ 0 |
| Greenville County South Carolina | 3 | $ 321,000 | $ 107,000 | $ 0 |
| Clay County Florida | 2 | $ 209,000 | $ 104,000 | $ 25,000 |
| Pinellas County Florida | 2 | $ 178,000 | $ 89,000 | $ 0 |
| Ottawa County Michigan | 2 | $ 196,000 | $ 98,000 | $ 0 |
| Washtenaw County Michigan | 2 | $ 243,000 | $ 121,000 | $ 0 |
| Columbiana County Ohio | 2 | $ 196,000 | $ 98,000 | $ 22,000 |
| Fairfield County Ohio | 2 | $ 203,000 | $ 101,000 | $ 0 |
| Greene County Ohio | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Licking County Ohio | 2 | $ 285,000 | $ 142,000 | $ 0 |
| Wood County Ohio | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Laurens County South Carolina | 2 | $ 201,000 | $ 100,000 | $ 54,000 |
| Prince William County Virginia | 2 | $ 323,000 | $ 161,000 | $ 90,000 |
| Spotsylvania County Virginia | 2 | $ 372,000 | $ 186,000 | $ 20,000 |
| Arapahoe County Colorado | 1 | $ 130,000 | $ 130,000 | $ 0 |
| El Paso County Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Larimer County Colorado | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Hernando County Florida | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Indian River County Florida | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Leon County Florida | 1 | $ 134,000 | $ 134,000 | $ 53,000 |
| Manatee County Florida | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Polk County Florida | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| St. Johns County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Volusia County Florida | 1 | $ 106,000 | $ 106,000 | $ 72,000 |
| Elkhart County Indiana | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Calhoun County Michigan | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Kalamazoo County Michigan | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Kent County Michigan | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Monroe County Michigan | 1 | $ 141,000 | $ 141,000 | $ 48,000 |
| Muskegon County Michigan | 1 | $ 52,000 | $ 52,000 | $ 67,000 |
| Oakland County Michigan | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Saginaw County Michigan | 1 | $ 89,000 | $ 89,000 | $ 58,000 |
| Allen County Ohio | 1 | $ 107,000 | $ 107,000 | $ 25,000 |
| Ashland County Ohio | 1 | $ 128,000 | $ 128,000 | $ 54,000 |
| Ashtabula County Ohio | 1 | $ 170,000 | $ 170,000 | $ 47,000 |
| Clark County Ohio | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Clinton County Ohio | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Defiance County Ohio | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Erie County Ohio | 1 | $ 82,000 | $ 82,000 | $ 34,000 |
| Guernsey County Ohio | 1 | $ 63,000 | $ 63,000 | $ 34,000 |
| Highland County Ohio | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Huron County Ohio | 1 | $ 84,000 | $ 84,000 | $ 33,000 |
| Morrow County Ohio | 1 | $ 93,000 | $ 93,000 | $ 47,000 |
| Ottawa County Ohio | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Pickaway County Ohio | 1 | $ 164,000 | $ 164,000 | $ 58,000 |
| Preble County Ohio | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Union County Ohio | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Delaware County Pennsylvania | 1 | $ 119,000 | $ 119,000 | $ 36,000 |
| Montgomery County Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Richland County South Carolina | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Chesapeake County Virginia | 1 | $ 108,000 | $ 108,000 | $ 108,000 |
| Loudoun County Virginia | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Newport News County Virginia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Norfolk County Virginia | 1 | $ 103,000 | $ 103,000 | $ 103,000 |
| Virginia Beach County 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.