First Ohio Banc & Lending Inc Mortgage Lending & HMDA Data, 2010
In 2010, First Ohio Banc & Lending Inc of Independence, OH reported 2,859 mortgage applications totaling $631.0 million, up 28% from 2009. The average application was for $220,710, and applicants reported an average income of $66,335. 58% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (305), Seattle-Bellevue-Everett, WA (164) and Minneapolis-St. Paul-Bloomington, MN-WI (131) (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 | 2,859 |
| Total Mortgage Loan Application Amount | $631,010,000 |
| Average Mortgage Loan Application Amount | $220,710 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $66,335 |
| Highest Applicant Income | $1,262,000 |
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records First Ohio Banc & Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cleveland-Elyria-Mentor, OH | 305 | $ 44,357,000 | $ 145,432 | $ 55,000 |
| Seattle-Bellevue-Everett, WA | 164 | $ 49,861,000 | $ 304,030 | $ 66,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 131 | $ 31,710,000 | $ 242,061 | $ 61,000 |
| Atlanta-Sandy Springs-Marietta, GA | 101 | $ 21,010,000 | $ 208,019 | $ 54,000 |
| Philadelphia, PA | 81 | $ 21,766,000 | $ 268,716 | $ 98,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 62 | $ 16,147,000 | $ 260,435 | $ 71,338 |
| Baltimore-Towson, MD | 61 | $ 18,926,000 | $ 310,262 | $ 84,000 |
| Tacoma, WA | 59 | $ 15,334,000 | $ 259,898 | $ 74,000 |
| Columbus, OH | 56 | $ 10,875,000 | $ 194,196 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 56 | $ 20,454,000 | $ 365,250 | $ 110,821 |
| Cincinnati-Middletown, OH-KY-IN | 52 | $ 8,727,000 | $ 167,826 | $ 63,961 |
| Akron, OH | 51 | $ 9,470,000 | $ 185,686 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 44 | $ 9,387,000 | $ 213,340 | $ 40,000 |
| Pittsburgh, PA | 40 | $ 7,464,000 | $ 186,600 | $ 67,000 |
| Chicago-Joliet-Naperville, IL | 38 | $ 9,149,000 | $ 240,763 | $ 65,000 |
| Albuquerque, NM | 32 | $ 6,437,000 | $ 201,156 | $ 41,000 |
| Kansas City, MO-KS | 32 | $ 8,252,000 | $ 257,875 | $ 83,000 |
| Bethesda-Rockville-Frederick, MD | 30 | $ 10,910,000 | $ 363,666 | $ 97,000 |
| Los Angeles-Long Beach-Glendale, CA | 29 | $ 12,901,000 | $ 444,862 | $ 104,000 |
| Memphis, TN-MS-AR | 27 | $ 5,643,000 | $ 209,000 | $ 77,000 |
| York-Hanover, PA | 26 | $ 4,873,000 | $ 187,423 | $ 56,000 |
| Bremerton-Silverdale, WA | 24 | $ 5,989,000 | $ 249,541 | $ 50,000 |
| Hartford-West Hartford-East Hartford, CT | 24 | $ 5,731,000 | $ 238,791 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 23 | $ 5,647,000 | $ 245,521 | $ 71,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 22 | $ 5,268,000 | $ 239,454 | $ 78,545 |
| Indianapolis-Carmel, IN | 22 | $ 3,322,000 | $ 151,000 | $ 68,000 |
| Knoxville, TN | 22 | $ 4,484,000 | $ 203,818 | $ 54,000 |
| Spokane, WA | 21 | $ 3,734,000 | $ 177,809 | $ 49,000 |
| Youngstown-Warren-Boardman, OH-PA | 20 | $ 3,063,000 | $ 153,150 | $ 53,250 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 19 | $ 3,432,000 | $ 180,631 | $ 49,842 |
| Bellingham, WA | 18 | $ 3,903,000 | $ 216,833 | $ 50,000 |
| Canton-Massillon, OH | 17 | $ 2,672,000 | $ 157,176 | $ 54,000 |
| Wichita, KS | 17 | $ 2,974,000 | $ 174,941 | $ 137,000 |
| Lancaster, PA | 16 | $ 3,138,000 | $ 196,125 | $ 67,000 |
| New Haven-Milford, CT | 16 | $ 3,923,000 | $ 245,187 | $ 85,000 |
| Olympia, WA | 16 | $ 3,531,000 | $ 220,687 | $ 46,000 |
| Dayton, OH | 14 | $ 2,543,000 | $ 181,642 | $ 70,000 |
| Harrisburg-Carlisle, PA | 14 | $ 2,322,000 | $ 165,857 | $ 55,000 |
| Birmingham-Hoover, AL | 13 | $ 2,088,000 | $ 160,615 | $ 56,000 |
| Salem, OR | 13 | $ 2,630,000 | $ 202,307 | $ 66,000 |
| Santa Ana-Anaheim-Irvine, CA | 13 | $ 5,354,000 | $ 411,846 | $ 107,000 |
| Scranton--Wilkes-Barre, PA | 13 | $ 2,446,000 | $ 188,153 | $ 68,000 |
| Toledo, OH | 13 | $ 2,135,000 | $ 164,230 | $ 52,000 |
| Charleston-North Charleston-Summerville, SC | 12 | $ 2,434,000 | $ 202,833 | $ 46,000 |
| Edison-New Brunswick, NJ | 12 | $ 3,195,000 | $ 266,250 | $ 123,000 |
| Kennewick-Pasco-Richland, WA | 12 | $ 1,988,000 | $ 165,666 | $ 61,000 |
| Reading, PA | 12 | $ 2,376,000 | $ 198,000 | $ 64,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 3,636,000 | $ 330,545 | $ 81,000 |
| Fresno, CA | 11 | $ 2,184,000 | $ 198,545 | $ 46,000 |
| Gary, IN | 11 | $ 2,279,000 | $ 207,181 | $ 72,000 |
| Newark-Union, NJ-PA | 11 | $ 2,557,000 | $ 232,454 | $ 57,909 |
| Spartanburg, SC | 11 | $ 2,068,000 | $ 188,000 | $ 55,000 |
| Augusta-Richmond County, GA-SC | 10 | $ 1,965,000 | $ 196,500 | $ 67,200 |
| Chattanooga, TN-GA | 10 | $ 1,692,000 | $ 169,200 | $ 68,400 |
| New York-White Plains-Wayne, NY-NJ | 10 | $ 3,412,000 | $ 341,200 | $ 86,000 |
| Rochester, MN | 10 | $ 1,809,000 | $ 180,900 | $ 59,000 |
| St. Cloud, MN | 10 | $ 2,207,000 | $ 220,700 | $ 68,000 |
| Mount Vernon-Anacortes, WA | 9 | $ 1,764,000 | $ 196,000 | $ 65,000 |
| Oakland-Fremont-Hayward, CA | 9 | $ 3,680,000 | $ 408,888 | $ 192,000 |
| Oklahoma City, OK | 9 | $ 1,537,000 | $ 170,777 | $ 63,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 2,530,000 | $ 281,111 | $ 90,000 |
| Columbia, SC | 8 | $ 1,460,000 | $ 182,500 | $ 86,000 |
| Eugene-Springfield, OR | 8 | $ 1,710,000 | $ 213,750 | $ 36,000 |
| Greensboro-High Point, NC | 8 | $ 2,321,000 | $ 290,125 | $ 71,000 |
| Las Cruces, NM | 8 | $ 1,453,000 | $ 181,625 | $ 75,000 |
| Richmond, VA | 8 | $ 2,324,000 | $ 290,500 | $ 105,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 1,960,000 | $ 245,000 | $ 57,000 |
| Santa Fe, NM | 8 | $ 1,903,000 | $ 237,875 | $ 54,000 |
| Yakima, WA | 8 | $ 1,218,000 | $ 152,250 | $ 30,000 |
| Columbus, GA-AL | 7 | $ 1,093,000 | $ 156,142 | $ 95,000 |
| Duluth, MN-WI | 7 | $ 1,380,000 | $ 197,142 | $ 65,000 |
| Greenville-Mauldin-Easley, SC | 7 | $ 1,497,000 | $ 213,857 | $ 49,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,971,000 | $ 281,571 | $ 74,000 |
| Mansfield, OH | 7 | $ 1,318,000 | $ 188,285 | $ 54,000 |
| Morristown, TN | 7 | $ 1,160,000 | $ 165,714 | $ 137,000 |
| Fort Wayne, IN | 6 | $ 983,000 | $ 163,833 | $ 53,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,938,000 | $ 323,000 | $ 106,000 |
| Mankato-North Mankato, MN | 6 | $ 1,122,000 | $ 187,000 | $ 44,000 |
| Mobile, AL | 6 | $ 997,000 | $ 166,166 | $ 45,000 |
| Norwich-New London, CT | 6 | $ 1,485,000 | $ 247,500 | $ 64,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 1,866,000 | $ 311,000 | $ 82,000 |
| Springfield, OH | 6 | $ 1,155,000 | $ 192,500 | $ 67,000 |
| Clarksville, TN-KY | 5 | $ 793,000 | $ 158,600 | $ 30,000 |
| Huntsville, AL | 5 | $ 965,000 | $ 193,000 | $ 74,000 |
| Raleigh-Cary, NC | 5 | $ 761,000 | $ 152,200 | $ 30,000 |
| Santa Rosa-Petaluma, CA | 5 | $ 2,424,000 | $ 484,800 | $ 117,000 |
| Savannah, GA | 5 | $ 1,179,000 | $ 235,800 | $ 60,000 |
| Stockton, CA | 5 | $ 651,000 | $ 130,200 | $ 40,000 |
| Topeka, KS | 5 | $ 1,014,000 | $ 202,800 | $ 80,000 |
| Wenatchee-East Wenatchee, WA | 5 | $ 1,101,000 | $ 220,200 | $ 60,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 482,000 | $ 96,400 | $ 26,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,525,000 | $ 305,000 | $ 98,400 |
| Bend, OR | 4 | $ 1,085,000 | $ 271,250 | $ 55,000 |
| Charlottesville, VA | 4 | $ 911,000 | $ 227,750 | $ 52,000 |
| Durham-Chapel Hill, NC | 4 | $ 559,000 | $ 139,750 | $ 48,000 |
| Evansville, IN-KY | 4 | $ 703,000 | $ 175,750 | $ 78,000 |
| Jacksonville, FL | 4 | $ 648,000 | $ 162,000 | $ 24,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 919,000 | $ 229,750 | $ 41,000 |
| Lebanon, PA | 4 | $ 699,000 | $ 174,750 | $ 59,000 |
| Medford, OR | 4 | $ 933,000 | $ 233,250 | $ 25,000 |
| Michigan City-La Porte, IN | 4 | $ 641,000 | $ 160,250 | $ 50,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 4 | $ 846,000 | $ 211,500 | $ 76,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 1,152,000 | $ 288,000 | $ 85,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,883,000 | $ 470,750 | $ 110,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 790,000 | $ 197,500 | $ 59,000 |
| Anderson, SC | 3 | $ 549,000 | $ 183,000 | $ 85,000 |
| Asheville, NC | 3 | $ 555,000 | $ 185,000 | $ 43,000 |
| Bloomington-Normal, IL | 3 | $ 649,000 | $ 216,333 | $ 68,000 |
| Camden, NJ | 3 | $ 1,014,000 | $ 338,000 | $ 15,000 |
| Cleveland, TN | 3 | $ 704,000 | $ 234,666 | $ 26,000 |
| Corvallis, OR | 3 | $ 554,000 | $ 184,666 | $ 37,000 |
| Dothan, AL | 3 | $ 593,000 | $ 197,666 | $ 60,000 |
| Farmington, NM | 3 | $ 791,000 | $ 263,666 | $ 55,000 |
| Florence, SC | 3 | $ 513,000 | $ 171,000 | $ 62,000 |
| Florence-Muscle Shoals, AL | 3 | $ 456,000 | $ 152,000 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 665,000 | $ 221,666 | $ 86,000 |
| Gainesville, GA | 3 | $ 403,000 | $ 134,333 | $ 44,000 |
| Lafayette, IN | 3 | $ 650,000 | $ 216,666 | $ 49,000 |
| Longview, WA | 3 | $ 507,000 | $ 169,000 | $ 68,000 |
| Macon, GA | 3 | $ 396,000 | $ 132,000 | $ 51,000 |
| Madera-Chowchilla, CA | 3 | $ 706,000 | $ 235,333 | $ 63,000 |
| Manhattan, KS | 3 | $ 538,000 | $ 179,333 | $ 69,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 423,000 | $ 141,000 | $ 73,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,650,000 | $ 550,000 | $ 198,000 |
| Springfield, IL | 3 | $ 431,000 | $ 143,666 | $ 69,000 |
| Tulsa, OK | 3 | $ 492,000 | $ 164,000 | $ 59,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 361,000 | $ 120,333 | $ 30,000 |
| Williamsport, PA | 3 | $ 421,000 | $ 140,333 | $ 31,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 341,000 | $ 170,500 | $ 35,000 |
| Boston-Quincy, MA | 2 | $ 915,000 | $ 457,500 | $ 70,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 617,000 | $ 308,500 | $ 263,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 517,000 | $ 258,500 | $ 77,000 |
| Chico, CA | 2 | $ 579,000 | $ 289,500 | $ 56,000 |
| Columbia, MO | 2 | $ 305,000 | $ 152,500 | $ 53,000 |
| Cumberland, MD-WV | 2 | $ 314,000 | $ 157,000 | $ 41,000 |
| Dalton, GA | 2 | $ 270,000 | $ 135,000 | $ 45,000 |
| Elkhart-Goshen, IN | 2 | $ 267,000 | $ 133,500 | $ 44,000 |
| Fargo, ND-MN | 2 | $ 338,000 | $ 169,000 | $ 88,000 |
| Fayetteville, NC | 2 | $ 275,000 | $ 137,500 | $ 30,000 |
| Hanford-Corcoran, CA | 2 | $ 366,000 | $ 183,000 | $ 83,000 |
| Harrisonburg, VA | 2 | $ 338,000 | $ 169,000 | $ 50,000 |
| Jackson, TN | 2 | $ 319,000 | $ 159,500 | $ 62,000 |
| Jacksonville, NC | 2 | $ 465,000 | $ 232,500 | $ 70,000 |
| Lawrence, KS | 2 | $ 319,000 | $ 159,500 | $ 58,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 615,000 | $ 307,500 | $ 95,000 |
| Montgomery, AL | 2 | $ 355,000 | $ 177,500 | $ 70,000 |
| Ocean City, NJ | 2 | $ 568,000 | $ 284,000 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 689,000 | $ 344,500 | $ 99,000 |
| Peabody, MA | 2 | $ 625,000 | $ 312,500 | $ 67,000 |
| Rockford, IL | 2 | $ 541,000 | $ 270,500 | $ 109,000 |
| Salinas, CA | 2 | $ 563,000 | $ 281,500 | $ 95,000 |
| Salisbury, MD | 2 | $ 489,000 | $ 244,500 | $ 137,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 664,000 | $ 332,000 | $ 100,000 |
| Sebastian-Vero Beach, FL | 2 | $ 297,000 | $ 148,500 | $ 63,000 |
| Sumter, SC | 2 | $ 362,000 | $ 181,000 | $ 53,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 289,000 | $ 144,500 | $ 58,000 |
| Trenton-Ewing, NJ | 2 | $ 400,000 | $ 200,000 | $ 80,000 |
| Warner Robins, GA | 2 | $ 326,000 | $ 163,000 | $ 103,000 |
| Winchester, VA-WV | 2 | $ 436,000 | $ 218,000 | $ 74,000 |
| Winston-Salem, NC | 2 | $ 252,000 | $ 126,000 | $ 17,000 |
| Worcester, MA | 2 | $ 346,000 | $ 173,000 | $ 63,000 |
| Albany, GA | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 178,000 | $ 178,000 | $ 87,000 |
| Auburn-Opelika, AL | 1 | $ 360,000 | $ 360,000 | $ 130,000 |
| Bakersfield-Delano, CA | 1 | $ 185,000 | $ 185,000 | $ 10,000 |
| Bloomington, IN | 1 | $ 182,000 | $ 182,000 | $ 78,000 |
| Champaign-Urbana, IL | 1 | $ 244,000 | $ 244,000 | $ 129,000 |
| Dallas-Plano-Irving, TX | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Danville, IL | 1 | $ 106,000 | $ 106,000 | $ 69,000 |
| Decatur, AL | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 201,000 | $ 201,000 | $ 80,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 54,000 | $ 54,000 | $ 123,000 |
| Erie, PA | 1 | $ 164,000 | $ 164,000 | $ 72,000 |
| Gainesville, FL | 1 | $ 188,000 | $ 188,000 | $ 108,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 276,000 | $ 276,000 | $ 59,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 214,000 | $ 214,000 | $ 10,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Johnson City, TN | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Kokomo, IN | 1 | $ 220,000 | $ 220,000 | $ 96,000 |
| Lakeland-Winter Haven, FL | 1 | $ 172,000 | $ 172,000 | $ 88,000 |
| Lansing-East Lansing, MI | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lima, OH | 1 | $ 113,000 | $ 113,000 | $ 113,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 280,000 | $ 280,000 | $ 147,000 |
| Lynchburg, VA | 1 | $ 152,000 | $ 152,000 | $ 32,000 |
| Merced, CA | 1 | $ 296,000 | $ 296,000 | $ 90,000 |
| Napa, CA | 1 | $ 355,000 | $ 355,000 | $ 88,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 236,000 | $ 236,000 | $ 98,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Peoria, IL | 1 | $ 258,000 | $ 258,000 | $ 128,000 |
| Redding, CA | 1 | $ 341,000 | $ 341,000 | $ 130,000 |
| Roanoke, VA | 1 | $ 249,000 | $ 249,000 | $ 58,000 |
| Rome, GA | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Sandusky, OH | 1 | $ 148,000 | $ 148,000 | $ 84,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Springfield, MA | 1 | $ 417,000 | $ 417,000 | $ 90,000 |
| St. Louis, MO-IL | 1 | $ 140,000 | $ 140,000 | $ 112,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 187,000 | $ 187,000 | $ 101,000 |
| Wheeling, WV-OH | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Wilmington, NC | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Yuba City, CA | 1 | $ 192,000 | $ 192,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for First Ohio Banc & Lending Inc in 2010
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 | 2,556 | $588,375,000 | $230,000 | $2,025,000 | $68,000 | $1,262,000 |
| Home Purchase | 286 | $39,359,000 | $137,000 | $735,000 | $51,000 | $605,000 |
| Home Improvement | 17 | $3,276,000 | $192,000 | $378,000 | $74,000 | $165,000 |
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 |
|---|---|---|---|---|---|---|
| White | 2,080 | $465,314,000 | $223,000 | $2,025,000 | $69,000 | $1,262,000 |
| Black or African American | 336 | $57,428,000 | $170,000 | $605,000 | $54,000 | $301,000 |
| Not Provided | 246 | $61,539,000 | $250,000 | $954,000 | $61,000 | $406,000 |
| Hispanic | 101 | $20,478,000 | $202,000 | $583,000 | $58,000 | $252,000 |
| Asian | 78 | $21,315,000 | $273,000 | $712,000 | $64,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $4,369,000 | $291,000 | $651,000 | $156,000 | $605,000 |
| American Indian or Alaskan Native | 3 | $567,000 | $189,000 | $221,000 | $58,000 | $74,000 |
| 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) | 2,291 | $486,108,000 | $212,000 | $720,000 | $64,000 | $724,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 542 | $139,397,000 | $257,000 | $2,025,000 | $77,000 | $1,262,000 |
| VA-guaranteed (Veterans Administration) | 26 | $5,505,000 | $211,000 | $390,000 | $62,000 | $130,000 |
| 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 | 1,672 | $361,311,000 | $216,000 | $1,500,000 | $76,000 | $1,262,000 |
| Application Denied By Financial Institution | 935 | $215,245,000 | $230,000 | $1,160,000 | $50,000 | $724,000 |
| Application Withdrawn By Applicant | 233 | $50,006,000 | $214,000 | $2,025,000 | $63,000 | $587,000 |
| Application Approved But Not Accepted | 13 | $2,981,000 | $229,000 | $372,000 | $64,000 | $153,000 |
| File Closed For Incompleteness | 6 | $1,467,000 | $244,000 | $375,000 | $76,000 | $130,000 |
| 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 | 285 | $65,237,000 | $228,000 | $950,000 | $56,000 | $724,000 |
| Collateral | 282 | $65,763,000 | $233,000 | $1,160,000 | $42,000 | $220,000 |
| Debt-To-Income Ratio | 167 | $39,970,000 | $239,000 | $735,000 | $45,000 | $144,000 |
| Credit History | 66 | $13,784,000 | $208,000 | $676,000 | $52,000 | $306,000 |
| Credit Application Incomplete | 44 | $10,707,000 | $243,000 | $840,000 | $64,000 | $434,000 |
| Unverifiable Information | 36 | $8,612,000 | $239,000 | $550,000 | $53,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $4,795,000 | $199,000 | $742,000 | $44,000 | $180,000 |
| Mortgage Insurance Denied | 4 | $615,000 | $153,000 | $267,000 | $23,000 | $40,000 |
| Employment History | 2 | $345,000 | $172,000 | $248,000 | $53,000 | $58,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ohio Banc & Lending Inc's 2010 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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