First Ohio Banc & Lending Inc Mortgage Lending & HMDA Data, 2008
In 2008, First Ohio Banc & Lending Inc of Independence, OH reported 2,734 mortgage applications totaling $513.1 million, up 204% from 2007. The average application was for $187,668, and applicants reported an average income of $66,031. 83% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (179), Atlanta-Sandy Springs-Marietta, GA (142) and Chicago-Naperville-Joliet, IL (128) (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 | 2,734 |
| Total Mortgage Loan Application Amount | $513,085,000 |
| Average Mortgage Loan Application Amount | $187,668 |
| Highest Mortgage Loan Application Amount | $840,000 |
| Average Applicant Income | $66,031 |
| Highest Applicant Income | $1,000,000 |
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records First Ohio Banc & Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 179 | $ 28,069,000 | $ 156,810 | $ 64,000 |
| Atlanta-Sandy Springs-Marietta, GA | 142 | $ 26,096,000 | $ 183,774 | $ 65,000 |
| Chicago-Naperville-Joliet, IL | 128 | $ 28,748,000 | $ 224,593 | $ 71,000 |
| Baltimore-Towson, MD | 83 | $ 20,809,000 | $ 250,710 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 60 | $ 18,091,000 | $ 301,516 | $ 102,300 |
| Akron, OH | 55 | $ 8,181,000 | $ 148,745 | $ 61,000 |
| Columbus, OH | 55 | $ 9,768,000 | $ 177,600 | $ 66,000 |
| St. Louis, MO-IL | 53 | $ 9,110,000 | $ 171,886 | $ 62,056 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 48 | $ 11,046,000 | $ 230,125 | $ 65,604 |
| Charlotte-Gastonia-Concord, NC-SC | 46 | $ 8,106,000 | $ 176,217 | $ 63,695 |
| Kansas City, MO-KS | 41 | $ 7,041,000 | $ 171,731 | $ 63,756 |
| Seattle-Bellevue-Everett, WA | 41 | $ 12,666,000 | $ 308,926 | $ 84,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 40 | $ 7,131,000 | $ 178,275 | $ 59,000 |
| Cincinnati-Middletown, OH-KY-IN | 35 | $ 6,208,000 | $ 177,371 | $ 69,600 |
| Warren-Troy-Farmington Hills, MI | 35 | $ 5,991,000 | $ 171,171 | $ 66,000 |
| Knoxville, TN | 34 | $ 5,686,000 | $ 167,235 | $ 58,000 |
| Raleigh-Cary, NC | 31 | $ 5,419,000 | $ 174,806 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 28 | $ 5,285,000 | $ 188,750 | $ 61,000 |
| Birmingham-Hoover, AL | 27 | $ 4,779,000 | $ 177,000 | $ 68,000 |
| Hartford-West Hartford-East Hartford, CT | 26 | $ 6,220,000 | $ 239,230 | $ 71,000 |
| Indianapolis-Carmel, IN | 26 | $ 3,944,000 | $ 151,692 | $ 62,000 |
| Richmond, VA | 26 | $ 6,233,000 | $ 239,730 | $ 65,000 |
| Detroit-Livonia-Dearborn, MI | 22 | $ 3,355,000 | $ 152,500 | $ 57,000 |
| Gary, IN | 21 | $ 3,658,000 | $ 174,190 | $ 78,000 |
| Canton-Massillon, OH | 20 | $ 2,690,000 | $ 134,500 | $ 57,000 |
| Lake County-Kenosha County, IL-WI | 19 | $ 3,720,000 | $ 195,789 | $ 71,000 |
| Toledo, OH | 19 | $ 2,620,000 | $ 137,894 | $ 63,000 |
| Greensboro-High Point, NC | 18 | $ 2,889,000 | $ 160,500 | $ 60,000 |
| Tacoma, WA | 18 | $ 4,969,000 | $ 276,055 | $ 68,000 |
| Asheville, NC | 17 | $ 3,378,000 | $ 198,705 | $ 64,000 |
| Chattanooga, TN-GA | 17 | $ 2,492,000 | $ 146,588 | $ 52,823 |
| New Haven-Milford, CT | 17 | $ 3,951,000 | $ 232,411 | $ 81,000 |
| Orlando-Kissimmee, FL | 17 | $ 3,382,000 | $ 198,941 | $ 67,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 3,700,000 | $ 231,250 | $ 72,000 |
| Spokane, WA | 16 | $ 2,539,000 | $ 158,687 | $ 60,000 |
| Durham, NC | 15 | $ 2,585,000 | $ 172,333 | $ 71,000 |
| Memphis, TN-MS-AR | 15 | $ 2,592,000 | $ 172,800 | $ 71,000 |
| Winston-Salem, NC | 15 | $ 2,298,000 | $ 153,200 | $ 60,000 |
| Jacksonville, FL | 14 | $ 2,789,000 | $ 199,214 | $ 57,000 |
| South Bend-Mishawaka, IN-MI | 14 | $ 2,250,000 | $ 160,714 | $ 79,928 |
| Wilmington, NC | 14 | $ 2,733,000 | $ 195,214 | $ 62,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 2,314,000 | $ 178,000 | $ 56,846 |
| Portland-Vancouver-Beaverton, OR-WA | 12 | $ 2,685,000 | $ 223,750 | $ 74,083 |
| Rockford, IL | 12 | $ 1,796,000 | $ 149,666 | $ 77,000 |
| Charleston-North Charleston-Summerville, SC | 11 | $ 2,167,000 | $ 197,000 | $ 72,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 2,409,000 | $ 219,000 | $ 73,000 |
| Savannah, GA | 11 | $ 1,989,000 | $ 180,818 | $ 60,000 |
| Bethesda-Frederick-Gaithersburg, MD | 10 | $ 3,691,000 | $ 369,100 | $ 95,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 2,405,000 | $ 240,500 | $ 79,000 |
| Columbia, SC | 10 | $ 1,638,000 | $ 163,800 | $ 56,000 |
| Columbus, GA-AL | 10 | $ 1,829,000 | $ 182,900 | $ 68,000 |
| Greenville-Mauldin-Easley, SC | 10 | $ 1,815,000 | $ 181,500 | $ 71,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 2,123,000 | $ 212,300 | $ 70,000 |
| Peoria, IL | 10 | $ 1,636,000 | $ 163,600 | $ 70,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 1,414,000 | $ 141,400 | $ 49,000 |
| Charlottesville, VA | 9 | $ 2,093,000 | $ 232,555 | $ 65,000 |
| Dayton, OH | 9 | $ 1,274,000 | $ 141,555 | $ 52,000 |
| Hagerstown-Martinsburg, MD-WV | 9 | $ 2,128,000 | $ 236,444 | $ 64,000 |
| Mobile, AL | 9 | $ 1,527,000 | $ 169,666 | $ 71,000 |
| Huntsville, AL | 8 | $ 1,512,000 | $ 189,000 | $ 86,000 |
| Montgomery, AL | 8 | $ 1,365,000 | $ 170,625 | $ 57,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,447,000 | $ 180,875 | $ 68,000 |
| Spartanburg, SC | 8 | $ 1,070,000 | $ 133,750 | $ 48,000 |
| Wichita, KS | 8 | $ 1,183,000 | $ 147,875 | $ 77,000 |
| Wilmington, DE-MD-NJ | 8 | $ 1,691,000 | $ 211,375 | $ 89,000 |
| Dalton, GA | 7 | $ 1,218,000 | $ 174,000 | $ 59,000 |
| Evansville, IN-KY | 7 | $ 1,091,000 | $ 155,857 | $ 86,000 |
| Fayetteville, NC | 7 | $ 1,296,000 | $ 185,142 | $ 79,000 |
| Gainesville, GA | 7 | $ 1,314,000 | $ 187,714 | $ 63,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 1,001,000 | $ 143,000 | $ 60,000 |
| Jacksonville, NC | 7 | $ 1,156,000 | $ 165,142 | $ 72,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 916,000 | $ 130,857 | $ 68,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 1,181,000 | $ 168,714 | $ 52,000 |
| Olympia, WA | 7 | $ 1,750,000 | $ 250,000 | $ 92,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 1,681,000 | $ 240,142 | $ 80,000 |
| Salisbury, MD | 7 | $ 1,181,000 | $ 168,714 | $ 50,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,563,000 | $ 223,285 | $ 45,000 |
| Auburn-Opelika, AL | 6 | $ 958,000 | $ 159,666 | $ 41,000 |
| Bloomington-Normal, IL | 6 | $ 1,113,000 | $ 185,500 | $ 79,000 |
| Boston-Quincy, MA | 6 | $ 1,868,000 | $ 311,333 | $ 79,000 |
| Elkhart-Goshen, IN | 6 | $ 947,000 | $ 157,833 | $ 60,000 |
| Johnson City, TN | 6 | $ 988,000 | $ 164,666 | $ 58,000 |
| Lansing-East Lansing, MI | 6 | $ 933,000 | $ 155,500 | $ 85,000 |
| Lawrence, KS | 6 | $ 926,000 | $ 154,333 | $ 72,000 |
| Michigan City-La Porte, IN | 6 | $ 1,042,000 | $ 173,666 | $ 63,000 |
| Roanoke, VA | 6 | $ 1,082,000 | $ 180,333 | $ 70,000 |
| Topeka, KS | 6 | $ 894,000 | $ 149,000 | $ 58,000 |
| Bellingham, WA | 5 | $ 1,128,000 | $ 225,600 | $ 55,000 |
| Denver-Aurora, CO | 5 | $ 1,218,000 | $ 243,600 | $ 56,000 |
| Flint, MI | 5 | $ 902,000 | $ 180,400 | $ 78,000 |
| Fort Wayne, IN | 5 | $ 655,000 | $ 131,000 | $ 64,000 |
| Goldsboro, NC | 5 | $ 852,000 | $ 170,400 | $ 71,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 817,000 | $ 163,400 | $ 68,200 |
| Lafayette, IN | 5 | $ 897,000 | $ 179,400 | $ 60,000 |
| Lima, OH | 5 | $ 728,000 | $ 145,600 | $ 54,000 |
| Morristown, TN | 5 | $ 727,000 | $ 145,400 | $ 41,000 |
| Norwich-New London, CT | 5 | $ 1,444,000 | $ 288,800 | $ 72,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 755,000 | $ 151,000 | $ 45,000 |
| Springfield, MO | 5 | $ 837,000 | $ 167,400 | $ 69,000 |
| Tuscaloosa, AL | 5 | $ 838,000 | $ 167,600 | $ 70,000 |
| Albany, GA | 4 | $ 806,000 | $ 201,500 | $ 73,000 |
| Anderson, IN | 4 | $ 531,000 | $ 132,750 | $ 42,000 |
| Athens-Clarke County, GA | 4 | $ 688,000 | $ 172,000 | $ 35,000 |
| Bradenton-Sarasota-Venice, FL | 4 | $ 812,000 | $ 203,000 | $ 49,000 |
| Brunswick, GA | 4 | $ 683,000 | $ 170,750 | $ 75,000 |
| Burlington, NC | 4 | $ 712,000 | $ 178,000 | $ 55,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 823,000 | $ 205,750 | $ 97,000 |
| Clarksville, TN-KY | 4 | $ 762,000 | $ 190,500 | $ 74,000 |
| Gainesville, FL | 4 | $ 757,000 | $ 189,250 | $ 55,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 756,000 | $ 189,000 | $ 58,000 |
| Jefferson City, MO | 4 | $ 747,000 | $ 186,750 | $ 70,000 |
| Kankakee-Bradley, IL | 4 | $ 676,000 | $ 169,000 | $ 63,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 603,000 | $ 150,750 | $ 49,000 |
| Peabody, MA | 4 | $ 1,249,000 | $ 312,250 | $ 60,000 |
| Springfield, IL | 4 | $ 776,000 | $ 194,000 | $ 92,000 |
| Warner Robins, GA | 4 | $ 758,000 | $ 189,500 | $ 57,000 |
| Yakima, WA | 4 | $ 822,000 | $ 205,500 | $ 50,000 |
| Anniston-Oxford, AL | 3 | $ 335,000 | $ 111,666 | $ 46,000 |
| Battle Creek, MI | 3 | $ 414,000 | $ 138,000 | $ 68,000 |
| Bremerton-Silverdale, WA | 3 | $ 752,000 | $ 250,666 | $ 97,000 |
| Champaign-Urbana, IL | 3 | $ 390,000 | $ 130,000 | $ 51,000 |
| Cleveland, TN | 3 | $ 718,000 | $ 239,333 | $ 87,000 |
| Decatur, IL | 3 | $ 345,000 | $ 115,000 | $ 44,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 509,000 | $ 169,666 | $ 42,000 |
| Eugene-Springfield, OR | 3 | $ 474,000 | $ 158,000 | $ 61,000 |
| Florence, SC | 3 | $ 441,000 | $ 147,000 | $ 64,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 490,000 | $ 163,333 | $ 56,000 |
| Fort Worth-Arlington, TX | 3 | $ 414,000 | $ 138,000 | $ 54,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 601,000 | $ 200,333 | $ 136,000 |
| Kalamazoo-Portage, MI | 3 | $ 517,000 | $ 172,333 | $ 58,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 561,000 | $ 187,000 | $ 89,000 |
| Lakeland-Winter Haven, FL | 3 | $ 508,000 | $ 169,333 | $ 60,000 |
| Macon, GA | 3 | $ 506,000 | $ 168,666 | $ 71,000 |
| Monroe, MI | 3 | $ 761,000 | $ 253,666 | $ 103,000 |
| Naples-Marco Island, FL | 3 | $ 974,000 | $ 324,666 | $ 59,000 |
| Ocala, FL | 3 | $ 601,000 | $ 200,333 | $ 89,000 |
| Port St. Lucie, FL | 3 | $ 537,000 | $ 179,000 | $ 77,000 |
| Sandusky, OH | 3 | $ 361,000 | $ 120,333 | $ 60,000 |
| Springfield, MA | 3 | $ 495,000 | $ 165,000 | $ 65,000 |
| Tallahassee, FL | 3 | $ 496,000 | $ 165,333 | $ 60,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 444,000 | $ 148,000 | $ 58,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 362,000 | $ 181,000 | $ 56,000 |
| Colorado Springs, CO | 2 | $ 387,000 | $ 193,500 | $ 72,000 |
| Cumberland, MD-WV | 2 | $ 347,000 | $ 173,500 | $ 76,000 |
| Dallas-Plano-Irving, TX | 2 | $ 276,000 | $ 138,000 | $ 72,000 |
| Decatur, AL | 2 | $ 294,000 | $ 147,000 | $ 44,000 |
| Dothan, AL | 2 | $ 309,000 | $ 154,500 | $ 65,000 |
| Florence-Muscle Shoals, AL | 2 | $ 305,000 | $ 152,500 | $ 57,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 254,000 | $ 127,000 | $ 51,000 |
| Jackson, MI | 2 | $ 360,000 | $ 180,000 | $ 24,000 |
| Joplin, MO | 2 | $ 242,000 | $ 121,000 | $ 62,000 |
| Kokomo, IN | 2 | $ 254,000 | $ 127,000 | $ 48,000 |
| Lynchburg, VA | 2 | $ 387,000 | $ 193,500 | $ 87,000 |
| Mansfield, OH | 2 | $ 311,000 | $ 155,500 | $ 66,000 |
| Muncie, IN | 2 | $ 228,000 | $ 114,000 | $ 67,000 |
| Niles-Benton Harbor, MI | 2 | $ 330,000 | $ 165,000 | $ 44,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 345,000 | $ 172,500 | $ 105,000 |
| St. Joseph, MO-KS | 2 | $ 211,000 | $ 105,500 | $ 43,000 |
| Sumter, SC | 2 | $ 237,000 | $ 118,500 | $ 34,000 |
| Terre Haute, IN | 2 | $ 371,000 | $ 185,500 | $ 107,000 |
| Valdosta, GA | 2 | $ 324,000 | $ 162,000 | $ 55,000 |
| Wenatchee, WA | 2 | $ 564,000 | $ 282,000 | $ 78,000 |
| Wichita Falls, TX | 2 | $ 444,000 | $ 222,000 | $ 127,000 |
| Winchester, VA-WV | 2 | $ 417,000 | $ 208,500 | $ 78,000 |
| Worcester, MA | 2 | $ 718,000 | $ 359,000 | $ 128,000 |
| Anderson, SC | 1 | $ 147,000 | $ 147,000 | $ 52,000 |
| Ann Arbor, MI | 1 | $ 256,000 | $ 256,000 | $ 114,000 |
| Austin-Round Rock, TX | 1 | $ 152,000 | $ 152,000 | $ 58,000 |
| Boulder, CO | 1 | $ 153,000 | $ 153,000 | $ 58,000 |
| Chico, CA | 1 | $ 309,000 | $ 309,000 | $ 135,000 |
| Columbia, MO | 1 | $ 218,000 | $ 218,000 | $ 68,000 |
| Columbus, IN | 1 | $ 121,000 | $ 121,000 | $ 40,000 |
| Danville, VA | 1 | $ 213,000 | $ 213,000 | $ 47,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| El Paso, TX | 1 | $ 123,000 | $ 123,000 | $ 80,000 |
| Greenville, NC | 1 | $ 222,000 | $ 222,000 | $ 65,000 |
| Harrisonburg, VA | 1 | $ 238,000 | $ 238,000 | $ 58,000 |
| Holland-Grand Haven, MI | 1 | $ 158,000 | $ 158,000 | $ 86,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 198,000 | $ 198,000 | $ 107,000 |
| Jackson, TN | 1 | $ 104,000 | $ 104,000 | $ 32,000 |
| Lewiston, ID-WA | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Longview, WA | 1 | $ 238,000 | $ 238,000 | $ 75,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 368,000 | $ 368,000 | $ 145,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 153,000 | $ 153,000 | $ 80,000 |
| Medford, OR | 1 | $ 308,000 | $ 308,000 | $ 65,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 322,000 | $ 322,000 | $ 130,000 |
| Nassau-Suffolk, NY | 1 | $ 386,000 | $ 386,000 | $ 100,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 204,000 | $ 204,000 | $ 149,000 |
| Panama City-Lynn Haven, FL | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Philadelphia, PA | 1 | $ 111,000 | $ 111,000 | $ 29,000 |
| Rocky Mount, NC | 1 | $ 179,000 | $ 179,000 | $ 80,000 |
| Rome, GA | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 134,000 | $ 134,000 | $ 113,000 |
| Salem, OR | 1 | $ 202,000 | $ 202,000 | $ 71,000 |
| San Antonio, TX | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Springfield, OH | 1 | $ 149,000 | $ 149,000 | $ 53,000 |
| Waco, TX | 1 | $ 157,000 | $ 157,000 | $ 79,000 |
| Wheeling, WV-OH | 1 | $ 116,000 | $ 116,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for First Ohio Banc & Lending Inc in 2008
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 | 2,610 | $492,779,000 | $188,000 | $840,000 | $66,000 | $1,000,000 |
| Home Purchase | 86 | $13,005,000 | $151,000 | $350,000 | $67,000 | $168,000 |
| Home Improvement | 38 | $7,301,000 | $192,000 | $377,000 | $66,000 | $181,000 |
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 | 2,023 | $379,772,000 | $187,000 | $840,000 | $67,000 | $1,000,000 |
| Black or African American | 410 | $74,634,000 | $182,000 | $582,000 | $63,000 | $181,000 |
| Not Provided | 144 | $26,713,000 | $185,000 | $438,000 | $66,000 | $150,000 |
| Hispanic | 124 | $23,483,000 | $189,000 | $365,000 | $63,000 | $181,000 |
| Asian | 22 | $6,073,000 | $276,000 | $423,000 | $90,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,223,000 | $203,000 | $410,000 | $70,000 | $115,000 |
| American Indian or Alaskan Native | 5 | $1,187,000 | $237,000 | $337,000 | $70,000 | $109,000 |
| 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) | 2,729 | $512,574,000 | $187,000 | $840,000 | $66,000 | $1,000,000 |
| VA-guaranteed (Veterans Administration) | 4 | $421,000 | $105,000 | $143,000 | $52,000 | $65,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1 | $90,000 | $90,000 | $90,000 | $54,000 | $54,000 |
| 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 | 2,276 | $428,635,000 | $188,000 | $840,000 | $67,000 | $1,000,000 |
| Application Withdrawn By Applicant | 238 | $46,650,000 | $196,000 | $582,000 | $68,000 | $247,000 |
| Application Denied By Financial Institution | 220 | $37,800,000 | $171,000 | $518,000 | $60,000 | $200,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 119 | $21,232,000 | $178,000 | $366,000 | $64,000 | $200,000 |
| Collateral | 37 | $6,100,000 | $164,000 | $333,000 | $57,000 | $164,000 |
| Credit History | 21 | $3,060,000 | $145,000 | $234,000 | $55,000 | $131,000 |
| Debt-To-Income Ratio | 21 | $3,790,000 | $180,000 | $518,000 | $44,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,289,000 | $184,000 | $424,000 | $54,000 | $104,000 |
| Unverifiable Information | 2 | $259,000 | $129,000 | $140,000 | $69,000 | $83,000 |
| Credit Application Incomplete | 2 | $228,000 | $114,000 | $116,000 | $33,000 | $41,000 |
| Employment History | 1 | $140,000 | $140,000 | $140,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ohio Banc & Lending Inc's 2008 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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