First Ohio Banc & Lending Inc Mortgage Lending & HMDA Data, 2007
In 2007, First Ohio Banc & Lending Inc of Independence, OH reported 898 mortgage applications totaling $148.5 million, up 1165% from 2006. The average application was for $165,404, and applicants reported an average income of $62,680. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (64), Atlanta-Sandy Springs-Marietta, GA (63) and Chicago-Naperville-Joliet, IL (48) (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 | 898 |
| Total Mortgage Loan Application Amount | $148,533,000 |
| Average Mortgage Loan Application Amount | $165,404 |
| Highest Mortgage Loan Application Amount | $390,000 |
| Average Applicant Income | $62,680 |
| Highest Applicant Income | $210,000 |
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records First Ohio Banc & Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 35 | $ 4,626,000 | $ 132,171 | $ 52,000 |
| Cook, Illinois | 30 | $ 5,529,000 | $ 184,300 | $ 71,000 |
| Lake, Ohio | 19 | $ 2,434,000 | $ 128,105 | $ 44,000 |
| Wayne, Michigan | 14 | $ 1,908,000 | $ 136,285 | $ 56,000 |
| Gwinnett, Georgia | 12 | $ 2,114,000 | $ 176,166 | $ 60,000 |
| Summit, Ohio | 12 | $ 1,603,000 | $ 133,583 | $ 58,000 |
| Lake, Illinois | 10 | $ 1,807,000 | $ 180,700 | $ 64,000 |
| Hamilton, Ohio | 10 | $ 1,494,000 | $ 149,400 | $ 73,000 |
| Prince George's, Maryland | 9 | $ 2,276,000 | $ 252,888 | $ 61,000 |
| Jackson, Missouri | 9 | $ 1,096,000 | $ 121,777 | $ 55,000 |
| Fulton, Georgia | 8 | $ 1,605,000 | $ 200,625 | $ 60,000 |
| Baltimore, Maryland | 8 | $ 1,858,000 | $ 232,250 | $ 66,000 |
| Hillsborough, Florida | 7 | $ 1,241,000 | $ 177,285 | $ 60,000 |
| Cobb, Georgia | 7 | $ 1,175,000 | $ 167,857 | $ 75,000 |
| Will, Illinois | 7 | $ 1,558,000 | $ 222,571 | $ 76,000 |
| Johnson, Kansas | 7 | $ 1,223,000 | $ 174,714 | $ 62,000 |
| Baltimore City, Maryland | 7 | $ 1,289,000 | $ 184,142 | $ 62,000 |
| Jackson, Michigan | 7 | $ 1,152,000 | $ 164,571 | $ 72,000 |
| Macomb, Michigan | 7 | $ 1,045,000 | $ 149,285 | $ 55,000 |
| Oakland, Michigan | 7 | $ 1,154,000 | $ 164,857 | $ 62,000 |
| Franklin, Ohio | 7 | $ 1,086,000 | $ 155,142 | $ 92,000 |
| El Paso, Colorado | 6 | $ 1,110,000 | $ 185,000 | $ 65,000 |
| Hartford, Connecticut | 6 | $ 1,234,000 | $ 205,666 | $ 62,000 |
| Paulding, Georgia | 6 | $ 1,006,000 | $ 167,666 | $ 78,000 |
| Lake, Indiana | 6 | $ 958,000 | $ 159,666 | $ 87,000 |
| Ashtabula, Ohio | 6 | $ 640,000 | $ 106,666 | $ 52,000 |
| Fairfield, Ohio | 6 | $ 1,122,000 | $ 187,000 | $ 70,000 |
| Lorain, Ohio | 6 | $ 765,000 | $ 127,500 | $ 42,000 |
| Stark, Ohio | 6 | $ 662,000 | $ 110,333 | $ 48,000 |
| Trumbull, Ohio | 6 | $ 1,073,000 | $ 178,833 | $ 45,000 |
| San Bernardino, California | 5 | $ 1,295,000 | $ 259,000 | $ 97,000 |
| Clayton, Georgia | 5 | $ 639,000 | $ 127,800 | $ 35,000 |
| Kent, Michigan | 5 | $ 703,000 | $ 140,600 | $ 42,000 |
| Clay, Missouri | 5 | $ 746,000 | $ 149,200 | $ 92,000 |
| Wake, North Carolina | 5 | $ 867,000 | $ 173,400 | $ 59,000 |
| York, South Carolina | 5 | $ 704,000 | $ 140,800 | $ 48,000 |
| New Haven, Connecticut | 4 | $ 781,000 | $ 195,250 | $ 77,000 |
| Duval, Florida | 4 | $ 784,000 | $ 196,000 | $ 61,000 |
| Leon, Florida | 4 | $ 518,000 | $ 129,500 | $ 58,000 |
| Polk, Florida | 4 | $ 689,000 | $ 172,250 | $ 55,000 |
| Columbia, Georgia | 4 | $ 623,000 | $ 155,750 | $ 63,000 |
| DeKalb, Georgia | 4 | $ 731,000 | $ 182,750 | $ 71,000 |
| Henry, Georgia | 4 | $ 852,000 | $ 213,000 | $ 78,000 |
| Marion, Indiana | 4 | $ 509,000 | $ 127,250 | $ 64,000 |
| Plymouth, Massachusetts | 4 | $ 1,086,000 | $ 271,500 | $ 84,000 |
| Berrien, Michigan | 4 | $ 666,000 | $ 166,500 | $ 48,000 |
| Jefferson, Ohio | 4 | $ 496,000 | $ 124,000 | $ 67,000 |
| Montgomery, Ohio | 4 | $ 463,000 | $ 115,750 | $ 50,000 |
| Portage, Ohio | 4 | $ 600,000 | $ 150,000 | $ 44,000 |
| Shelby, Tennessee | 4 | $ 536,000 | $ 134,000 | $ 70,000 |
| Henrico, Virginia | 4 | $ 829,000 | $ 207,250 | $ 68,000 |
| Mason, Washington | 4 | $ 804,000 | $ 201,000 | $ 85,000 |
| Snohomish, Washington | 4 | $ 881,000 | $ 220,250 | $ 63,000 |
| Kern, California | 3 | $ 542,000 | $ 180,666 | $ 61,000 |
| Arapahoe, Colorado | 3 | $ 523,000 | $ 174,333 | $ 56,000 |
| Weld, Colorado | 3 | $ 455,000 | $ 151,666 | $ 74,000 |
| Marion, Florida | 3 | $ 451,000 | $ 150,333 | $ 47,000 |
| Orange, Florida | 3 | $ 585,000 | $ 195,000 | $ 51,000 |
| Osceola, Florida | 3 | $ 558,000 | $ 186,000 | $ 58,000 |
| Barrow, Georgia | 3 | $ 444,000 | $ 148,000 | $ 47,000 |
| Jackson, Georgia | 3 | $ 364,000 | $ 121,333 | $ 29,000 |
| Newton, Georgia | 3 | $ 376,000 | $ 125,333 | $ 62,000 |
| Whitfield, Georgia | 3 | $ 373,000 | $ 124,333 | $ 52,000 |
| DeKalb, Illinois | 3 | $ 624,000 | $ 208,000 | $ 82,000 |
| McHenry, Illinois | 3 | $ 611,000 | $ 203,666 | $ 83,000 |
| Allen, Indiana | 3 | $ 336,000 | $ 112,000 | $ 55,000 |
| Elkhart, Indiana | 3 | $ 448,000 | $ 149,333 | $ 76,000 |
| Hamilton, Indiana | 3 | $ 455,000 | $ 151,666 | $ 57,000 |
| Hendricks, Indiana | 3 | $ 424,000 | $ 141,333 | $ 63,000 |
| Morgan, Indiana | 3 | $ 377,000 | $ 125,666 | $ 49,000 |
| Leavenworth, Kansas | 3 | $ 532,000 | $ 177,333 | $ 78,000 |
| Linn, Kansas | 3 | $ 368,000 | $ 122,666 | $ 55,000 |
| Sedgwick, Kansas | 3 | $ 436,000 | $ 145,333 | $ 76,000 |
| Anne Arundel, Maryland | 3 | $ 810,000 | $ 270,000 | $ 121,000 |
| Harford, Maryland | 3 | $ 629,000 | $ 209,666 | $ 61,000 |
| Allegan, Michigan | 3 | $ 349,000 | $ 116,333 | $ 56,000 |
| Kalamazoo, Michigan | 3 | $ 542,000 | $ 180,666 | $ 73,000 |
| Hennepin, Minnesota | 3 | $ 686,000 | $ 228,666 | $ 106,000 |
| St. Charles, Missouri | 3 | $ 483,000 | $ 161,000 | $ 75,000 |
| Columbiana, Ohio | 3 | $ 276,000 | $ 92,000 | $ 61,000 |
| Holmes, Ohio | 3 | $ 388,000 | $ 129,333 | $ 79,000 |
| Medina, Ohio | 3 | $ 571,000 | $ 190,333 | $ 66,000 |
| Perry, Ohio | 3 | $ 375,000 | $ 125,000 | $ 60,000 |
| Ross, Ohio | 3 | $ 418,000 | $ 139,333 | $ 53,000 |
| Union, Ohio | 3 | $ 479,000 | $ 159,666 | $ 66,000 |
| Wayne, Ohio | 3 | $ 304,000 | $ 101,333 | $ 43,000 |
| Rutherford, Tennessee | 3 | $ 426,000 | $ 142,000 | $ 56,000 |
| Tipton, Tennessee | 3 | $ 445,000 | $ 148,333 | $ 62,000 |
| Chesterfield, Virginia | 3 | $ 639,000 | $ 213,000 | $ 95,000 |
| Louisa, Virginia | 3 | $ 559,000 | $ 186,333 | $ 88,000 |
| Newport News, Virginia | 3 | $ 565,000 | $ 188,333 | $ 71,000 |
| Norfolk, Virginia | 3 | $ 607,000 | $ 202,333 | $ 70,000 |
| Rockingham, Virginia | 3 | $ 609,000 | $ 203,000 | $ 70,000 |
| Virginia Beach, Virginia | 3 | $ 756,000 | $ 252,000 | $ 82,000 |
| Pierce, Washington | 3 | $ 605,000 | $ 201,666 | $ 56,000 |
| Spokane, Washington | 3 | $ 510,000 | $ 170,000 | $ 44,000 |
| Yakima, Washington | 3 | $ 364,000 | $ 121,333 | $ 60,000 |
| Bay, Florida | 2 | $ 315,000 | $ 157,500 | $ 54,000 |
| Clay, Florida | 2 | $ 467,000 | $ 233,500 | $ 79,000 |
| Lee, Florida | 2 | $ 397,000 | $ 198,500 | $ 78,000 |
| Palm Beach, Florida | 2 | $ 384,000 | $ 192,000 | $ 89,000 |
| Pasco, Florida | 2 | $ 313,000 | $ 156,500 | $ 53,000 |
| Pinellas, Florida | 2 | $ 342,000 | $ 171,000 | $ 48,000 |
| Putnam, Florida | 2 | $ 236,000 | $ 118,000 | $ 53,000 |
| Volusia, Florida | 2 | $ 288,000 | $ 144,000 | $ 68,000 |
| Bartow, Georgia | 2 | $ 306,000 | $ 153,000 | $ 59,000 |
| Bibb, Georgia | 2 | $ 245,000 | $ 122,500 | $ 78,000 |
| Chatham, Georgia | 2 | $ 262,000 | $ 131,000 | $ 52,000 |
| Coweta, Georgia | 2 | $ 350,000 | $ 175,000 | $ 50,000 |
| Glynn, Georgia | 2 | $ 272,000 | $ 136,000 | $ 63,000 |
| Hall, Georgia | 2 | $ 339,000 | $ 169,500 | $ 101,000 |
| Liberty, Georgia | 2 | $ 256,000 | $ 128,000 | $ 77,000 |
| DuPage, Illinois | 2 | $ 271,000 | $ 135,500 | $ 63,000 |
| Kane, Illinois | 2 | $ 442,000 | $ 221,000 | $ 74,000 |
| Madison, Illinois | 2 | $ 270,000 | $ 135,000 | $ 71,000 |
| St. Clair, Illinois | 2 | $ 323,000 | $ 161,500 | $ 58,000 |
| Stephenson, Illinois | 2 | $ 368,000 | $ 184,000 | $ 84,000 |
| Tazewell, Illinois | 2 | $ 323,000 | $ 161,500 | $ 69,000 |
| Winnebago, Illinois | 2 | $ 296,000 | $ 148,000 | $ 44,000 |
| Dearborn, Indiana | 2 | $ 326,000 | $ 163,000 | $ 87,000 |
| Delaware, Indiana | 2 | $ 228,000 | $ 114,000 | $ 58,000 |
| Porter, Indiana | 2 | $ 302,000 | $ 151,000 | $ 94,000 |
| Vigo, Indiana | 2 | $ 259,000 | $ 129,500 | $ 60,000 |
| Frederick, Maryland | 2 | $ 440,000 | $ 220,000 | $ 78,000 |
| Washington, Maryland | 2 | $ 393,000 | $ 196,500 | $ 112,000 |
| Worcester, Maryland | 2 | $ 442,000 | $ 221,000 | $ 49,000 |
| Barnstable, Massachusetts | 2 | $ 753,000 | $ 376,500 | $ 150,000 |
| Ingham, Michigan | 2 | $ 321,000 | $ 160,500 | $ 75,000 |
| Lapeer, Michigan | 2 | $ 343,000 | $ 171,500 | $ 43,000 |
| Lenawee, Michigan | 2 | $ 304,000 | $ 152,000 | $ 57,000 |
| Livingston, Michigan | 2 | $ 384,000 | $ 192,000 | $ 78,000 |
| Marquette, Michigan | 2 | $ 247,000 | $ 123,500 | $ 45,000 |
| Mason, Michigan | 2 | $ 277,000 | $ 138,500 | $ 63,000 |
| Washtenaw, Michigan | 2 | $ 348,000 | $ 174,000 | $ 54,000 |
| Dakota, Minnesota | 2 | $ 404,000 | $ 202,000 | $ 76,000 |
| Roseau, Minnesota | 2 | $ 320,000 | $ 160,000 | $ 77,000 |
| Sherburne, Minnesota | 2 | $ 463,000 | $ 231,500 | $ 101,000 |
| Jasper, Missouri | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Harnett, North Carolina | 2 | $ 322,000 | $ 161,000 | $ 37,000 |
| Mecklenburg, North Carolina | 2 | $ 315,000 | $ 157,500 | $ 38,000 |
| Delaware, Ohio | 2 | $ 340,000 | $ 170,000 | $ 49,000 |
| Knox, Ohio | 2 | $ 276,000 | $ 138,000 | $ 45,000 |
| Mahoning, Ohio | 2 | $ 278,000 | $ 139,000 | $ 63,000 |
| Morrow, Ohio | 2 | $ 247,000 | $ 123,500 | $ 61,000 |
| Muskingum, Ohio | 2 | $ 269,000 | $ 134,500 | $ 49,000 |
| Scioto, Ohio | 2 | $ 297,000 | $ 148,500 | $ 66,000 |
| Shelby, Ohio | 2 | $ 247,000 | $ 123,500 | $ 58,000 |
| Anderson, South Carolina | 2 | $ 326,000 | $ 163,000 | $ 60,000 |
| Charleston, South Carolina | 2 | $ 414,000 | $ 207,000 | $ 59,000 |
| Spartanburg, South Carolina | 2 | $ 328,000 | $ 164,000 | $ 77,000 |
| Anderson, Tennessee | 2 | $ 264,000 | $ 132,000 | $ 50,000 |
| Blount, Tennessee | 2 | $ 324,000 | $ 162,000 | $ 79,000 |
| Bradley, Tennessee | 2 | $ 256,000 | $ 128,000 | $ 40,000 |
| Davidson, Tennessee | 2 | $ 274,000 | $ 137,000 | $ 60,000 |
| Hamilton, Tennessee | 2 | $ 296,000 | $ 148,000 | $ 68,000 |
| Madison, Tennessee | 2 | $ 235,000 | $ 117,500 | $ 41,000 |
| Sumner, Tennessee | 2 | $ 353,000 | $ 176,500 | $ 72,000 |
| Williamson, Tennessee | 2 | $ 367,000 | $ 183,500 | $ 51,000 |
| Amelia, Virginia | 2 | $ 332,000 | $ 166,000 | $ 55,000 |
| Campbell, Virginia | 2 | $ 294,000 | $ 147,000 | $ 70,000 |
| Colonial Heights, Virginia | 2 | $ 349,000 | $ 174,500 | $ 64,000 |
| Pittsylvania, Virginia | 2 | $ 220,000 | $ 110,000 | $ 35,000 |
| Portsmouth, Virginia | 2 | $ 388,000 | $ 194,000 | $ 79,000 |
| Roanoke, Virginia | 2 | $ 276,000 | $ 138,000 | $ 53,000 |
| Roanoke City, Virginia | 2 | $ 309,000 | $ 154,500 | $ 43,000 |
| King, Washington | 2 | $ 660,000 | $ 330,000 | $ 91,000 |
| Thurston, Washington | 2 | $ 497,000 | $ 248,500 | $ 74,000 |
| Calhoun, Alabama | 1 | $ 146,000 | $ 146,000 | $ 37,000 |
| Jefferson, Alabama | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Madison, Alabama | 1 | $ 158,000 | $ 158,000 | $ 51,000 |
| Shelby, Alabama | 1 | $ 197,000 | $ 197,000 | $ 151,000 |
| Tuscaloosa, Alabama | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Amador, California | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Fresno, California | 1 | $ 254,000 | $ 254,000 | $ 59,000 |
| Humboldt, California | 1 | $ 233,000 | $ 233,000 | $ 61,000 |
| Lake, California | 1 | $ 164,000 | $ 164,000 | $ 44,000 |
| Los Angeles, California | 1 | $ 367,000 | $ 367,000 | $ 145,000 |
| Merced, California | 1 | $ 304,000 | $ 304,000 | $ 84,000 |
| Riverside, California | 1 | $ 183,000 | $ 183,000 | $ 76,000 |
| San Diego, California | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Solano, California | 1 | $ 233,000 | $ 233,000 | $ 67,000 |
| Boulder, Colorado | 1 | $ 230,000 | $ 230,000 | $ 66,000 |
| Denver, Colorado | 1 | $ 260,000 | $ 260,000 | $ 74,000 |
| Fremont, Colorado | 1 | $ 173,000 | $ 173,000 | $ 30,000 |
| Jefferson, Colorado | 1 | $ 276,000 | $ 276,000 | $ 97,000 |
| La Plata, Colorado | 1 | $ 263,000 | $ 263,000 | $ 80,000 |
| Park, Colorado | 1 | $ 183,000 | $ 183,000 | $ 60,000 |
| Pueblo, Colorado | 1 | $ 188,000 | $ 188,000 | $ 53,000 |
| Teller, Colorado | 1 | $ 121,000 | $ 121,000 | $ 29,000 |
| Fairfield, Connecticut | 1 | $ 221,000 | $ 221,000 | $ 63,000 |
| Middlesex, Connecticut | 1 | $ 199,000 | $ 199,000 | $ 71,000 |
| New London, Connecticut | 1 | $ 274,000 | $ 274,000 | $ 106,000 |
| Tolland, Connecticut | 1 | $ 176,000 | $ 176,000 | $ 51,000 |
| Baker, Florida | 1 | $ 172,000 | $ 172,000 | $ 55,000 |
| Charlotte, Florida | 1 | $ 182,000 | $ 182,000 | $ 51,000 |
| Collier, Florida | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Glades, Florida | 1 | $ 121,000 | $ 121,000 | $ 46,000 |
| Hernando, Florida | 1 | $ 138,000 | $ 138,000 | $ 49,000 |
| Highlands, Florida | 1 | $ 121,000 | $ 121,000 | $ 26,000 |
| Manatee, Florida | 1 | $ 112,000 | $ 112,000 | $ 37,000 |
| Martin, Florida | 1 | $ 246,000 | $ 246,000 | $ 62,000 |
| Miami-Dade, Florida | 1 | $ 180,000 | $ 180,000 | $ 69,000 |
| Okeechobee, Florida | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| St. Johns, Florida | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Sumter, Florida | 1 | $ 158,000 | $ 158,000 | $ 37,000 |
| Appling, Georgia | 1 | $ 149,000 | $ 149,000 | $ 99,000 |
| Bacon, Georgia | 1 | $ 157,000 | $ 157,000 | $ 60,000 |
| Baldwin, Georgia | 1 | $ 150,000 | $ 150,000 | $ 32,000 |
| Bryan, Georgia | 1 | $ 152,000 | $ 152,000 | $ 78,000 |
| Bulloch, Georgia | 1 | $ 157,000 | $ 157,000 | $ 60,000 |
| Butts, Georgia | 1 | $ 241,000 | $ 241,000 | $ 84,000 |
| Camden, Georgia | 1 | $ 151,000 | $ 151,000 | $ 56,000 |
| Carroll, Georgia | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| Catoosa, Georgia | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Clarke, Georgia | 1 | $ 199,000 | $ 199,000 | $ 102,000 |
| Dawson, Georgia | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Douglas, Georgia | 1 | $ 182,000 | $ 182,000 | $ 81,000 |
| Effingham, Georgia | 1 | $ 203,000 | $ 203,000 | $ 48,000 |
| Fayette, Georgia | 1 | $ 198,000 | $ 198,000 | $ 54,000 |
| Floyd, Georgia | 1 | $ 187,000 | $ 187,000 | $ 83,000 |
| Forsyth, Georgia | 1 | $ 126,000 | $ 126,000 | $ 48,000 |
| Harris, Georgia | 1 | $ 176,000 | $ 176,000 | $ 69,000 |
| Jefferson, Georgia | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Lowndes, Georgia | 1 | $ 150,000 | $ 150,000 | $ 63,000 |
| Muscogee, Georgia | 1 | $ 169,000 | $ 169,000 | $ 50,000 |
| Pickens, Georgia | 1 | $ 129,000 | $ 129,000 | $ 45,000 |
| Stephens, Georgia | 1 | $ 193,000 | $ 193,000 | $ 86,000 |
| Toombs, Georgia | 1 | $ 117,000 | $ 117,000 | $ 42,000 |
| Upson, Georgia | 1 | $ 124,000 | $ 124,000 | $ 43,000 |
| Walker, Georgia | 1 | $ 131,000 | $ 131,000 | $ 41,000 |
| Wilkinson, Georgia | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Champaign, Illinois | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Kendall, Illinois | 1 | $ 160,000 | $ 160,000 | $ 39,000 |
| Knox, Illinois | 1 | $ 164,000 | $ 164,000 | $ 94,000 |
| LaSalle, Illinois | 1 | $ 166,000 | $ 166,000 | $ 67,000 |
| Macon, Illinois | 1 | $ 141,000 | $ 141,000 | $ 72,000 |
| Macoupin, Illinois | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Marshall, Illinois | 1 | $ 143,000 | $ 143,000 | $ 56,000 |
| Peoria, Illinois | 1 | $ 156,000 | $ 156,000 | $ 64,000 |
| Sangamon, Illinois | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Williamson, Illinois | 1 | $ 113,000 | $ 113,000 | $ 63,000 |
| Boone, Indiana | 1 | $ 143,000 | $ 143,000 | $ 70,000 |
| Clark, Indiana | 1 | $ 193,000 | $ 193,000 | $ 81,000 |
| Fulton, Indiana | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Grant, Indiana | 1 | $ 123,000 | $ 123,000 | $ 48,000 |
| Huntington, Indiana | 1 | $ 138,000 | $ 138,000 | $ 40,000 |
| Jackson, Indiana | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Jefferson, Indiana | 1 | $ 154,000 | $ 154,000 | $ 77,000 |
| Johnson, Indiana | 1 | $ 128,000 | $ 128,000 | $ 51,000 |
| LaPorte, Indiana | 1 | $ 170,000 | $ 170,000 | $ 67,000 |
| Lawrence, Indiana | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Montgomery, Indiana | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Randolph, Indiana | 1 | $ 120,000 | $ 120,000 | $ 84,000 |
| Shelby, Indiana | 1 | $ 173,000 | $ 173,000 | $ 105,000 |
| St. Joseph, Indiana | 1 | $ 158,000 | $ 158,000 | $ 59,000 |
| Tippecanoe, Indiana | 1 | $ 202,000 | $ 202,000 | $ 84,000 |
| Vanderburgh, Indiana | 1 | $ 131,000 | $ 131,000 | $ 57,000 |
| Warrick, Indiana | 1 | $ 143,000 | $ 143,000 | $ 54,000 |
| Wayne, Indiana | 1 | $ 143,000 | $ 143,000 | $ 77,000 |
| Butler, Kansas | 1 | $ 140,000 | $ 140,000 | $ 186,000 |
| Ellis, Kansas | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Saline, Kansas | 1 | $ 170,000 | $ 170,000 | $ 112,000 |
| Shawnee, Kansas | 1 | $ 120,000 | $ 120,000 | $ 63,000 |
| Calvert, Maryland | 1 | $ 357,000 | $ 357,000 | $ 90,000 |
| Charles, Maryland | 1 | $ 236,000 | $ 236,000 | $ 78,000 |
| Montgomery, Maryland | 1 | $ 260,000 | $ 260,000 | $ 70,000 |
| Somerset, Maryland | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Hampden, Massachusetts | 1 | $ 207,000 | $ 207,000 | $ 60,000 |
| Hampshire, Massachusetts | 1 | $ 211,000 | $ 211,000 | $ 49,000 |
| Middlesex, Massachusetts | 1 | $ 183,000 | $ 183,000 | $ 66,000 |
| Norfolk, Massachusetts | 1 | $ 366,000 | $ 366,000 | $ 110,000 |
| Alger, Michigan | 1 | $ 203,000 | $ 203,000 | $ 67,000 |
| Branch, Michigan | 1 | $ 169,000 | $ 169,000 | $ 61,000 |
| Cheboygan, Michigan | 1 | $ 203,000 | $ 203,000 | $ 78,000 |
| Crawford, Michigan | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Delta, Michigan | 1 | $ 164,000 | $ 164,000 | $ 50,000 |
| Eaton, Michigan | 1 | $ 146,000 | $ 146,000 | $ 69,000 |
| Genesee, Michigan | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Grand Traverse, Michigan | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Ionia, Michigan | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Iosco, Michigan | 1 | $ 200,000 | $ 200,000 | $ 86,000 |
| Missaukee, Michigan | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Monroe, Michigan | 1 | $ 151,000 | $ 151,000 | $ 73,000 |
| Muskegon, Michigan | 1 | $ 122,000 | $ 122,000 | $ 65,000 |
| Ogemaw, Michigan | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Otsego, Michigan | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Ottawa, Michigan | 1 | $ 147,000 | $ 147,000 | $ 41,000 |
| Roscommon, Michigan | 1 | $ 154,000 | $ 154,000 | $ 55,000 |
| St. Clair, Michigan | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Van Buren, Michigan | 1 | $ 204,000 | $ 204,000 | $ 54,000 |
| Anoka, Minnesota | 1 | $ 230,000 | $ 230,000 | $ 74,000 |
| Clay, Minnesota | 1 | $ 166,000 | $ 166,000 | $ 102,000 |
| Freeborn, Minnesota | 1 | $ 167,000 | $ 167,000 | $ 86,000 |
| Goodhue, Minnesota | 1 | $ 192,000 | $ 192,000 | $ 64,000 |
| Olmsted, Minnesota | 1 | $ 131,000 | $ 131,000 | $ 68,000 |
| Ramsey, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Rice, Minnesota | 1 | $ 193,000 | $ 193,000 | $ 78,000 |
| St. Louis, Minnesota | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Steele, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Wadena, Minnesota | 1 | $ 196,000 | $ 196,000 | $ 51,000 |
| Washington, Minnesota | 1 | $ 262,000 | $ 262,000 | $ 92,000 |
| Cass, Missouri | 1 | $ 137,000 | $ 137,000 | $ 25,000 |
| Cedar, Missouri | 1 | $ 182,000 | $ 182,000 | $ 65,000 |
| Christian, Missouri | 1 | $ 187,000 | $ 187,000 | $ 41,000 |
| Cole, Missouri | 1 | $ 150,000 | $ 150,000 | $ 80,000 |
| Franklin, Missouri | 1 | $ 214,000 | $ 214,000 | $ 61,000 |
| Greene, Missouri | 1 | $ 117,000 | $ 117,000 | $ 52,000 |
| Jefferson, Missouri | 1 | $ 148,000 | $ 148,000 | $ 51,000 |
| Livingston, Missouri | 1 | $ 112,000 | $ 112,000 | $ 72,000 |
| Phelps, Missouri | 1 | $ 139,000 | $ 139,000 | $ 42,000 |
| Platte, Missouri | 1 | $ 173,000 | $ 173,000 | $ 73,000 |
| Stoddard, Missouri | 1 | $ 128,000 | $ 128,000 | $ 142,000 |
| Taney, Missouri | 1 | $ 162,000 | $ 162,000 | $ 40,000 |
| Warren, Missouri | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Buncombe, North Carolina | 1 | $ 126,000 | $ 126,000 | $ 93,000 |
| Craven, North Carolina | 1 | $ 156,000 | $ 156,000 | $ 59,000 |
| Davidson, North Carolina | 1 | $ 127,000 | $ 127,000 | $ 59,000 |
| Gaston, North Carolina | 1 | $ 121,000 | $ 121,000 | $ 65,000 |
| Guilford, North Carolina | 1 | $ 134,000 | $ 134,000 | $ 106,000 |
| Henderson, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 51,000 |
| Iredell, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Johnston, North Carolina | 1 | $ 132,000 | $ 132,000 | $ 67,000 |
| Lincoln, North Carolina | 1 | $ 184,000 | $ 184,000 | $ 44,000 |
| Orange, North Carolina | 1 | $ 241,000 | $ 241,000 | $ 103,000 |
| Pasquotank, North Carolina | 1 | $ 143,000 | $ 143,000 | $ 39,000 |
| Robeson, North Carolina | 1 | $ 151,000 | $ 151,000 | $ 41,000 |
| Rockingham, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Rowan, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Stanly, North Carolina | 1 | $ 178,000 | $ 178,000 | $ 63,000 |
| Union, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 50,000 |
| Allen, Ohio | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Butler, Ohio | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Carroll, Ohio | 1 | $ 150,000 | $ 150,000 | $ 63,000 |
| Clark, Ohio | 1 | $ 68,000 | $ 68,000 | $ 53,000 |
| Clinton, Ohio | 1 | $ 202,000 | $ 202,000 | $ 85,000 |
| Fulton, Ohio | 1 | $ 133,000 | $ 133,000 | $ 88,000 |
| Gallia, Ohio | 1 | $ 119,000 | $ 119,000 | $ 51,000 |
| Geauga, Ohio | 1 | $ 158,000 | $ 158,000 | $ 47,000 |
| Greene, Ohio | 1 | $ 193,000 | $ 193,000 | $ 57,000 |
| Guernsey, Ohio | 1 | $ 96,000 | $ 96,000 | $ 51,000 |
| Huron, Ohio | 1 | $ 142,000 | $ 142,000 | $ 34,000 |
| Licking, Ohio | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Logan, Ohio | 1 | $ 137,000 | $ 137,000 | $ 45,000 |
| Lucas, Ohio | 1 | $ 187,000 | $ 187,000 | $ 72,000 |
| Mercer, Ohio | 1 | $ 129,000 | $ 129,000 | $ 59,000 |
| Ottawa, Ohio | 1 | $ 114,000 | $ 114,000 | $ 36,000 |
| Pickaway, Ohio | 1 | $ 71,000 | $ 71,000 | $ 36,000 |
| Seneca, Ohio | 1 | $ 172,000 | $ 172,000 | $ 62,000 |
| Van Wert, Ohio | 1 | $ 84,000 | $ 84,000 | $ 41,000 |
| Washington, Ohio | 1 | $ 183,000 | $ 183,000 | $ 53,000 |
| Wood, Ohio | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Berkeley, South Carolina | 1 | $ 191,000 | $ 191,000 | $ 44,000 |
| Clarendon, South Carolina | 1 | $ 174,000 | $ 174,000 | $ 39,000 |
| Dorchester, South Carolina | 1 | $ 228,000 | $ 228,000 | $ 69,000 |
| Lancaster, South Carolina | 1 | $ 116,000 | $ 116,000 | $ 84,000 |
| Oconee, South Carolina | 1 | $ 193,000 | $ 193,000 | $ 50,000 |
| Richland, South Carolina | 1 | $ 138,000 | $ 138,000 | $ 46,000 |
| Bedford, Tennessee | 1 | $ 137,000 | $ 137,000 | $ 36,000 |
| Campbell, Tennessee | 1 | $ 90,000 | $ 90,000 | $ 36,000 |
| Carter, Tennessee | 1 | $ 197,000 | $ 197,000 | $ 47,000 |
| Cocke, Tennessee | 1 | $ 71,000 | $ 71,000 | $ 54,000 |
| Franklin, Tennessee | 1 | $ 172,000 | $ 172,000 | $ 64,000 |
| Knox, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Lincoln, Tennessee | 1 | $ 202,000 | $ 202,000 | $ 96,000 |
| McMinn, Tennessee | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Montgomery, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 55,000 |
| Morgan, Tennessee | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Putnam, Tennessee | 1 | $ 114,000 | $ 114,000 | $ 34,000 |
| Sevier, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Sullivan, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 45,000 |
| Wilson, Tennessee | 1 | $ 217,000 | $ 217,000 | $ 68,000 |
| Appomattox, Virginia | 1 | $ 116,000 | $ 116,000 | $ 57,000 |
| Augusta, Virginia | 1 | $ 169,000 | $ 169,000 | $ 49,000 |
| Bristol, Virginia | 1 | $ 114,000 | $ 114,000 | $ 80,000 |
| Caroline, Virginia | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Charlotte, Virginia | 1 | $ 192,000 | $ 192,000 | $ 37,000 |
| Chesapeake, Virginia | 1 | $ 151,000 | $ 151,000 | $ 35,000 |
| Essex, Virginia | 1 | $ 122,000 | $ 122,000 | $ 44,000 |
| Fairfax, Virginia | 1 | $ 163,000 | $ 163,000 | $ 41,000 |
| Gloucester, Virginia | 1 | $ 173,000 | $ 173,000 | $ 50,000 |
| Grayson, Virginia | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Hanover, Virginia | 1 | $ 241,000 | $ 241,000 | $ 52,000 |
| Hopewell, Virginia | 1 | $ 193,000 | $ 193,000 | $ 51,000 |
| Lynchburg, Virginia | 1 | $ 160,000 | $ 160,000 | $ 48,000 |
| Mathews, Virginia | 1 | $ 191,000 | $ 191,000 | $ 90,000 |
| Montgomery, Virginia | 1 | $ 183,000 | $ 183,000 | $ 50,000 |
| Nelson, Virginia | 1 | $ 147,000 | $ 147,000 | $ 59,000 |
| Petersburg, Virginia | 1 | $ 151,000 | $ 151,000 | $ 57,000 |
| Powhatan, Virginia | 1 | $ 184,000 | $ 184,000 | $ 59,000 |
| Prince William, Virginia | 1 | $ 368,000 | $ 368,000 | $ 121,000 |
| Shenandoah, Virginia | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Southampton, Virginia | 1 | $ 182,000 | $ 182,000 | $ 62,000 |
| Spotsylvania, Virginia | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Suffolk, Virginia | 1 | $ 147,000 | $ 147,000 | $ 54,000 |
| Surry, Virginia | 1 | $ 164,000 | $ 164,000 | $ 74,000 |
| Asotin, Washington | 1 | $ 121,000 | $ 121,000 | $ 53,000 |
| Benton, Washington | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| Clark, Washington | 1 | $ 217,000 | $ 217,000 | $ 69,000 |
| Cowlitz, Washington | 1 | $ 203,000 | $ 203,000 | $ 59,000 |
| Franklin, Washington | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Island, Washington | 1 | $ 183,000 | $ 183,000 | $ 64,000 |
| Kitsap, Washington | 1 | $ 203,000 | $ 203,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for First Ohio Banc & Lending Inc in 2007
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 | 863 | $143,818,000 | $166,000 | $390,000 | $63,000 | $210,000 |
| Home Purchase | 29 | $3,796,000 | $130,000 | $224,000 | $56,000 | $117,000 |
| Home Improvement | 6 | $919,000 | $153,000 | $180,000 | $49,000 | $61,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 557 | $90,707,000 | $162,000 | $367,000 | $62,000 | $186,000 |
| White | 238 | $39,776,000 | $167,000 | $390,000 | $64,000 | $210,000 |
| Black or African American | 52 | $8,715,000 | $167,000 | $322,000 | $64,000 | $172,000 |
| Hispanic | 43 | $7,999,000 | $186,000 | $364,000 | $59,000 | $107,000 |
| Asian | 6 | $1,003,000 | $167,000 | $260,000 | $63,000 | $99,000 |
| American Indian or Alaskan Native | 1 | $162,000 | $162,000 | $162,000 | $105,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $171,000 | $171,000 | $171,000 | $49,000 | $49,000 |
| 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) | 886 | $146,687,000 | $165,000 | $390,000 | $63,000 | $210,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 9 | $1,352,000 | $150,000 | $237,000 | $56,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 3 | $494,000 | $164,000 | $224,000 | $55,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 720 | $118,870,000 | $165,000 | $368,000 | $63,000 | $186,000 |
| Application Denied By Financial Institution | 93 | $15,717,000 | $169,000 | $390,000 | $64,000 | $210,000 |
| Application Withdrawn By Applicant | 85 | $13,946,000 | $164,000 | $364,000 | $59,000 | $112,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 65 | $10,669,000 | $164,000 | $356,000 | $60,000 | $113,000 |
| Credit History | 12 | $2,111,000 | $175,000 | $240,000 | $79,000 | $185,000 |
| Collateral | 10 | $1,963,000 | $196,000 | $280,000 | $69,000 | $99,000 |
| Debt-To-Income Ratio | 3 | $287,000 | $95,000 | $145,000 | $37,000 | $58,000 |
| Employment History | 1 | $390,000 | $390,000 | $390,000 | $210,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $169,000 | $169,000 | $169,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ohio Banc & Lending Inc's 2007 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.
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