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records First Ohio Banc & Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 64 | $ 8,554,000 | $ 133,656 | $ 49,000 |
| Atlanta-Sandy Springs-Marietta, GA | 63 | $ 10,754,000 | $ 170,698 | $ 62,000 |
| Chicago-Naperville-Joliet, IL | 48 | $ 9,195,000 | $ 191,562 | $ 72,000 |
| Kansas City, MO-KS | 29 | $ 4,275,000 | $ 147,413 | $ 65,103 |
| Columbus, OH | 22 | $ 3,485,000 | $ 158,409 | $ 71,000 |
| Baltimore-Towson, MD | 21 | $ 4,586,000 | $ 218,380 | $ 72,000 |
| Richmond, VA | 19 | $ 3,622,000 | $ 190,631 | $ 69,000 |
| Warren-Troy-Farmington Hills, MI | 19 | $ 3,058,000 | $ 160,947 | $ 59,000 |
| Akron, OH | 16 | $ 2,203,000 | $ 137,687 | $ 54,000 |
| Indianapolis-Carmel, IN | 16 | $ 2,209,000 | $ 138,062 | $ 62,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 16 | $ 3,142,000 | $ 196,375 | $ 70,000 |
| Detroit-Livonia-Dearborn, MI | 14 | $ 1,908,000 | $ 136,285 | $ 56,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 14 | $ 3,615,000 | $ 258,214 | $ 69,285 |
| Cincinnati-Middletown, OH-KY-IN | 13 | $ 1,989,000 | $ 153,000 | $ 73,461 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 2,034,000 | $ 169,500 | $ 56,000 |
| St. Louis, MO-IL | 11 | $ 1,743,000 | $ 158,454 | $ 61,090 |
| Lake County-Kenosha County, IL-WI | 10 | $ 1,807,000 | $ 180,700 | $ 64,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 2,180,000 | $ 218,000 | $ 87,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 1,637,000 | $ 163,700 | $ 60,000 |
| Charlotte-Gastonia-Concord, NC-SC | 9 | $ 1,310,000 | $ 145,555 | $ 48,000 |
| Gary, IN | 8 | $ 1,260,000 | $ 157,500 | $ 89,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 1,609,000 | $ 201,125 | $ 62,000 |
| Jacksonville, FL | 8 | $ 1,578,000 | $ 197,250 | $ 61,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 1,351,000 | $ 168,875 | $ 50,000 |
| Canton-Massillon, OH | 7 | $ 812,000 | $ 116,000 | $ 50,000 |
| Colorado Springs, CO | 7 | $ 1,231,000 | $ 175,857 | $ 60,000 |
| Jackson, MI | 7 | $ 1,152,000 | $ 164,571 | $ 72,000 |
| Memphis, TN-MS-AR | 7 | $ 981,000 | $ 140,142 | $ 67,000 |
| Denver-Aurora, CO | 6 | $ 1,242,000 | $ 207,000 | $ 66,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 848,000 | $ 141,333 | $ 43,000 |
| Orlando-Kissimmee, FL | 6 | $ 1,143,000 | $ 190,500 | $ 54,000 |
| Raleigh-Cary, NC | 6 | $ 999,000 | $ 166,500 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,478,000 | $ 246,333 | $ 94,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,541,000 | $ 256,833 | $ 72,000 |
| Boston-Quincy, MA | 5 | $ 1,452,000 | $ 290,400 | $ 89,000 |
| Dayton, OH | 5 | $ 656,000 | $ 131,200 | $ 51,000 |
| Knoxville, TN | 5 | $ 753,000 | $ 150,600 | $ 62,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 623,000 | $ 155,750 | $ 63,000 |
| Charleston-North Charleston, SC | 4 | $ 833,000 | $ 208,250 | $ 57,000 |
| Chattanooga, TN-GA | 4 | $ 552,000 | $ 138,000 | $ 65,000 |
| Kalamazoo-Portage, MI | 4 | $ 746,000 | $ 186,500 | $ 68,000 |
| Lakeland, FL | 4 | $ 689,000 | $ 172,250 | $ 55,000 |
| Lynchburg, VA | 4 | $ 570,000 | $ 142,500 | $ 61,000 |
| New Haven-Milford, CT | 4 | $ 781,000 | $ 195,250 | $ 77,000 |
| Niles-Benton Harbor, MI | 4 | $ 666,000 | $ 166,500 | $ 48,000 |
| Peoria, IL | 4 | $ 622,000 | $ 155,500 | $ 64,000 |
| Roanoke, VA | 4 | $ 585,000 | $ 146,250 | $ 48,000 |
| Savannah, GA | 4 | $ 617,000 | $ 154,250 | $ 57,000 |
| Tallahassee, FL | 4 | $ 518,000 | $ 129,500 | $ 58,000 |
| Toledo, OH | 4 | $ 535,000 | $ 133,750 | $ 59,000 |
| Weirton-Steubenville, WV-OH | 4 | $ 496,000 | $ 124,000 | $ 67,000 |
| Wichita, KS | 4 | $ 576,000 | $ 144,000 | $ 103,000 |
| Bakersfield, CA | 3 | $ 542,000 | $ 180,666 | $ 61,000 |
| Bethesda-Gaithersburg-Frederick, MD | 3 | $ 700,000 | $ 233,333 | $ 75,000 |
| Dalton, GA | 3 | $ 373,000 | $ 124,333 | $ 52,000 |
| Elkhart-Goshen, IN | 3 | $ 448,000 | $ 149,333 | $ 76,000 |
| Fort Wayne, IN | 3 | $ 336,000 | $ 112,000 | $ 55,000 |
| Greeley, CO | 3 | $ 455,000 | $ 151,666 | $ 74,000 |
| Harrisonburg, VA | 3 | $ 609,000 | $ 203,000 | $ 70,000 |
| Lansing-East Lansing, MI | 3 | $ 467,000 | $ 155,666 | $ 73,000 |
| Ocala, FL | 3 | $ 451,000 | $ 150,333 | $ 47,000 |
| Spokane, WA | 3 | $ 510,000 | $ 170,000 | $ 44,000 |
| Tacoma, WA | 3 | $ 605,000 | $ 201,666 | $ 56,000 |
| Yakima, WA | 3 | $ 364,000 | $ 121,333 | $ 60,000 |
| Anderson, SC | 2 | $ 326,000 | $ 163,000 | $ 60,000 |
| Ann Arbor, MI | 2 | $ 348,000 | $ 174,000 | $ 54,000 |
| Asheville, NC | 2 | $ 264,000 | $ 132,000 | $ 72,000 |
| Barnstable Town, MA | 2 | $ 753,000 | $ 376,500 | $ 150,000 |
| Birmingham-Hoover, AL | 2 | $ 329,000 | $ 164,500 | $ 104,000 |
| Brunswick, GA | 2 | $ 272,000 | $ 136,000 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 397,000 | $ 198,500 | $ 78,000 |
| Cleveland, TN | 2 | $ 256,000 | $ 128,000 | $ 40,000 |
| Columbus, GA-AL | 2 | $ 345,000 | $ 172,500 | $ 59,000 |
| Danville, VA | 2 | $ 220,000 | $ 110,000 | $ 35,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 288,000 | $ 144,000 | $ 68,000 |
| Evansville, IN-KY | 2 | $ 274,000 | $ 137,000 | $ 55,000 |
| Gainesville, GA | 2 | $ 339,000 | $ 169,500 | $ 101,000 |
| Greensboro-High Point, NC | 2 | $ 279,000 | $ 139,500 | $ 83,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 393,000 | $ 196,500 | $ 112,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 256,000 | $ 128,000 | $ 77,000 |
| Jackson, TN | 2 | $ 235,000 | $ 117,500 | $ 41,000 |
| Joplin, MO | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 267,000 | $ 133,500 | $ 58,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 222,000 | $ 111,000 | $ 62,500 |
| Macon, GA | 2 | $ 245,000 | $ 122,500 | $ 78,000 |
| Muncie, IN | 2 | $ 228,000 | $ 114,000 | $ 58,000 |
| Olympia, WA | 2 | $ 497,000 | $ 248,500 | $ 74,000 |
| Panama City-Lynn Haven, FL | 2 | $ 315,000 | $ 157,500 | $ 54,000 |
| Rockford, IL | 2 | $ 296,000 | $ 148,000 | $ 44,000 |
| Spartanburg, SC | 2 | $ 328,000 | $ 164,000 | $ 77,000 |
| Springfield, MA | 2 | $ 418,000 | $ 209,000 | $ 54,000 |
| Springfield, MO | 2 | $ 304,000 | $ 152,000 | $ 46,000 |
| Terre Haute, IN | 2 | $ 259,000 | $ 129,500 | $ 60,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 384,000 | $ 192,000 | $ 89,000 |
| Anniston-Oxford, AL | 1 | $ 146,000 | $ 146,000 | $ 37,000 |
| Athens-Clarke County, GA | 1 | $ 199,000 | $ 199,000 | $ 102,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 183,000 | $ 183,000 | $ 50,000 |
| Boulder, CO | 1 | $ 230,000 | $ 230,000 | $ 66,000 |
| Bremerton-Silverdale, WA | 1 | $ 203,000 | $ 203,000 | $ 54,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 221,000 | $ 221,000 | $ 63,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 183,000 | $ 183,000 | $ 66,000 |
| Champaign-Urbana, IL | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Charlottesville, VA | 1 | $ 147,000 | $ 147,000 | $ 59,000 |
| Clarksville, TN-KY | 1 | $ 140,000 | $ 140,000 | $ 55,000 |
| Columbia, SC | 1 | $ 138,000 | $ 138,000 | $ 46,000 |
| Decatur, IL | 1 | $ 141,000 | $ 141,000 | $ 72,000 |
| Duluth, MN-WI | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Durham, NC | 1 | $ 241,000 | $ 241,000 | $ 103,000 |
| Fargo, ND-MN | 1 | $ 166,000 | $ 166,000 | $ 102,000 |
| Flint, MI | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Fresno, CA | 1 | $ 254,000 | $ 254,000 | $ 59,000 |
| Holland-Grand Haven, MI | 1 | $ 147,000 | $ 147,000 | $ 41,000 |
| Huntsville, AL | 1 | $ 158,000 | $ 158,000 | $ 51,000 |
| Jefferson City, MO | 1 | $ 150,000 | $ 150,000 | $ 80,000 |
| Johnson City, TN | 1 | $ 197,000 | $ 197,000 | $ 47,000 |
| Lafayette, IN | 1 | $ 202,000 | $ 202,000 | $ 84,000 |
| Lewiston, ID-WA | 1 | $ 121,000 | $ 121,000 | $ 53,000 |
| Lima, OH | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Longview, WA | 1 | $ 203,000 | $ 203,000 | $ 59,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 367,000 | $ 367,000 | $ 145,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 193,000 | $ 193,000 | $ 81,000 |
| Merced, CA | 1 | $ 304,000 | $ 304,000 | $ 84,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 180,000 | $ 180,000 | $ 69,000 |
| Michigan City-La Porte, IN | 1 | $ 170,000 | $ 170,000 | $ 67,000 |
| Monroe, MI | 1 | $ 151,000 | $ 151,000 | $ 73,000 |
| Muskegon-Norton Shores, MI | 1 | $ 122,000 | $ 122,000 | $ 65,000 |
| Naples-Marco Island, FL | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Norwich-New London, CT | 1 | $ 274,000 | $ 274,000 | $ 106,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 183,000 | $ 183,000 | $ 53,000 |
| Port St. Lucie, FL | 1 | $ 246,000 | $ 246,000 | $ 62,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 217,000 | $ 217,000 | $ 69,000 |
| Pueblo, CO | 1 | $ 188,000 | $ 188,000 | $ 53,000 |
| Punta Gorda, FL | 1 | $ 182,000 | $ 182,000 | $ 51,000 |
| Rochester, MN | 1 | $ 131,000 | $ 131,000 | $ 68,000 |
| Rome, GA | 1 | $ 187,000 | $ 187,000 | $ 83,000 |
| Salisbury, MD | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 112,000 | $ 112,000 | $ 37,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 158,000 | $ 158,000 | $ 59,000 |
| Springfield, IL | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Springfield, OH | 1 | $ 68,000 | $ 68,000 | $ 53,000 |
| Topeka, KS | 1 | $ 120,000 | $ 120,000 | $ 63,000 |
| Tuscaloosa, AL | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Valdosta, GA | 1 | $ 150,000 | $ 150,000 | $ 63,000 |
| Vallejo-Fairfield, CA | 1 | $ 233,000 | $ 233,000 | $ 67,000 |
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.
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