First Ohio Banc & Lending Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
First Ohio Banc & Lending Inc 2008 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 | 2,734 |
| Total Mortgage Loan Application Amount | $513,085,000 |
| Average Mortgage Loan Application Amount | $177,000 |
| Highest Mortgage Loan Application Amount | $840,000 |
| Average Applicant Income | $66,333 |
| Highest Applicant Income | $1,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | $ 156,000 | $ 64,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 142 | $ 26,096,000 | $ 183,000 | $ 65,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 128 | $ 28,748,000 | $ 224,000 | $ 71,000 |
| BALTIMORE-TOWSON, MD | 83 | $ 20,809,000 | $ 250,000 | $ 72,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 60 | $ 18,091,000 | $ 312,000 | $ 112,333 |
| AKRON, OH | 55 | $ 8,181,000 | $ 148,000 | $ 61,000 |
| COLUMBUS, OH | 55 | $ 9,768,000 | $ 177,000 | $ 66,000 |
| ST. LOUIS, MO-IL | 53 | $ 9,110,000 | $ 165,000 | $ 63,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 48 | $ 11,046,000 | $ 188,500 | $ 33,500 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 46 | $ 8,106,000 | $ 177,000 | $ 63,000 |
| KANSAS CITY, MO-KS | 41 | $ 7,041,000 | $ 172,500 | $ 65,500 |
| SEATTLE-BELLEVUE-EVERETT, WA | 41 | $ 12,666,000 | $ 308,000 | $ 84,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 40 | $ 7,131,000 | $ 178,000 | $ 59,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 35 | $ 6,208,000 | $ 158,333 | $ 59,333 |
| WARREN-TROY-FARMINGTON HILLS, MI | 35 | $ 5,991,000 | $ 171,000 | $ 66,000 |
| KNOXVILLE, TN | 34 | $ 5,686,000 | $ 167,000 | $ 58,000 |
| RALEIGH-CARY, NC | 31 | $ 5,419,000 | $ 174,000 | $ 62,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 28 | $ 5,285,000 | $ 188,000 | $ 61,000 |
| BIRMINGHAM-HOOVER, AL | 27 | $ 4,779,000 | $ 177,000 | $ 68,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 26 | $ 6,220,000 | $ 239,000 | $ 71,000 |
| INDIANAPOLIS-CARMEL, IN | 26 | $ 3,944,000 | $ 151,000 | $ 62,000 |
| RICHMOND, VA | 26 | $ 6,233,000 | $ 239,000 | $ 65,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 22 | $ 3,355,000 | $ 152,000 | $ 57,000 |
| GARY, IN | 21 | $ 3,658,000 | $ 174,000 | $ 78,000 |
| CANTON-MASSILLON, OH | 20 | $ 2,690,000 | $ 134,000 | $ 57,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 19 | $ 3,720,000 | $ 195,000 | $ 71,000 |
| TOLEDO, OH | 19 | $ 2,620,000 | $ 137,000 | $ 63,000 |
| GREENSBORO-HIGH POINT, NC | 18 | $ 2,889,000 | $ 160,000 | $ 60,000 |
| TACOMA, WA | 18 | $ 4,969,000 | $ 276,000 | $ 68,000 |
| ASHEVILLE, NC | 17 | $ 3,378,000 | $ 198,000 | $ 64,000 |
| CHATTANOOGA, TN-GA | 17 | $ 2,492,000 | $ 144,000 | $ 52,000 |
| NEW HAVEN-MILFORD, CT | 17 | $ 3,951,000 | $ 232,000 | $ 81,000 |
| ORLANDO-KISSIMMEE, FL | 17 | $ 3,382,000 | $ 198,000 | $ 67,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 16 | $ 3,700,000 | $ 231,000 | $ 72,000 |
| SPOKANE, WA | 16 | $ 2,539,000 | $ 158,000 | $ 60,000 |
| DURHAM, NC | 15 | $ 2,585,000 | $ 172,000 | $ 71,000 |
| MEMPHIS, TN-MS-AR | 15 | $ 2,592,000 | $ 172,000 | $ 71,000 |
| WINSTON-SALEM, NC | 15 | $ 2,298,000 | $ 153,000 | $ 60,000 |
| JACKSONVILLE, FL | 14 | $ 2,789,000 | $ 199,000 | $ 57,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 14 | $ 2,250,000 | $ 195,500 | $ 106,500 |
| WILMINGTON, NC | 14 | $ 2,733,000 | $ 195,000 | $ 62,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 13 | $ 2,314,000 | $ 164,000 | $ 53,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 12 | $ 2,685,000 | $ 231,500 | $ 75,500 |
| ROCKFORD, IL | 12 | $ 1,796,000 | $ 149,000 | $ 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 | $ 180,000 | $ 60,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 10 | $ 3,691,000 | $ 369,000 | $ 95,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 10 | $ 2,405,000 | $ 240,000 | $ 79,000 |
| COLUMBIA, SC | 10 | $ 1,638,000 | $ 163,000 | $ 56,000 |
| COLUMBUS, GA-AL | 10 | $ 1,829,000 | $ 159,500 | $ 62,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 10 | $ 1,815,000 | $ 181,000 | $ 71,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 10 | $ 2,123,000 | $ 212,000 | $ 70,000 |
| PEORIA, IL | 10 | $ 1,636,000 | $ 163,000 | $ 70,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 10 | $ 1,414,000 | $ 141,000 | $ 49,000 |
| CHARLOTTESVILLE, VA | 9 | $ 2,093,000 | $ 232,000 | $ 65,000 |
| DAYTON, OH | 9 | $ 1,274,000 | $ 141,000 | $ 52,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 9 | $ 2,128,000 | $ 236,000 | $ 64,000 |
| MOBILE, AL | 9 | $ 1,527,000 | $ 169,000 | $ 71,000 |
| HUNTSVILLE, AL | 8 | $ 1,512,000 | $ 189,000 | $ 86,000 |
| MONTGOMERY, AL | 8 | $ 1,365,000 | $ 170,000 | $ 57,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 8 | $ 1,447,000 | $ 180,000 | $ 68,000 |
| SPARTANBURG, SC | 8 | $ 1,070,000 | $ 133,000 | $ 48,000 |
| WICHITA, KS | 8 | $ 1,183,000 | $ 147,000 | $ 77,000 |
| WILMINGTON, DE-MD-NJ | 8 | $ 1,691,000 | $ 211,000 | $ 89,000 |
| DALTON, GA | 7 | $ 1,218,000 | $ 174,000 | $ 59,000 |
| EVANSVILLE, IN-KY | 7 | $ 1,091,000 | $ 155,000 | $ 86,000 |
| FAYETTEVILLE, NC | 7 | $ 1,296,000 | $ 185,000 | $ 79,000 |
| GAINESVILLE, GA | 7 | $ 1,314,000 | $ 187,000 | $ 63,000 |
| HICKORY-LENOIR-MORGANTON, NC | 7 | $ 1,001,000 | $ 143,000 | $ 60,000 |
| JACKSONVILLE, NC | 7 | $ 1,156,000 | $ 165,000 | $ 72,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 7 | $ 916,000 | $ 130,000 | $ 68,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 7 | $ 1,181,000 | $ 168,000 | $ 52,000 |
| OLYMPIA, WA | 7 | $ 1,750,000 | $ 250,000 | $ 92,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 7 | $ 1,681,000 | $ 240,000 | $ 80,000 |
| SALISBURY, MD | 7 | $ 1,181,000 | $ 168,000 | $ 50,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 7 | $ 1,563,000 | $ 223,000 | $ 45,000 |
| AUBURN-OPELIKA, AL | 6 | $ 958,000 | $ 159,000 | $ 41,000 |
| BLOOMINGTON-NORMAL, IL | 6 | $ 1,113,000 | $ 185,000 | $ 79,000 |
| BOSTON-QUINCY, MA | 6 | $ 1,868,000 | $ 311,000 | $ 79,000 |
| ELKHART-GOSHEN, IN | 6 | $ 947,000 | $ 157,000 | $ 60,000 |
| JOHNSON CITY, TN | 6 | $ 988,000 | $ 164,000 | $ 58,000 |
| LANSING-EAST LANSING, MI | 6 | $ 933,000 | $ 155,000 | $ 85,000 |
| LAWRENCE, KS | 6 | $ 926,000 | $ 154,000 | $ 72,000 |
| MICHIGAN CITY-LA PORTE, IN | 6 | $ 1,042,000 | $ 173,000 | $ 63,000 |
| ROANOKE, VA | 6 | $ 1,082,000 | $ 180,000 | $ 70,000 |
| TOPEKA, KS | 6 | $ 894,000 | $ 149,000 | $ 58,000 |
| BELLINGHAM, WA | 5 | $ 1,128,000 | $ 225,000 | $ 55,000 |
| DENVER-AURORA, CO | 5 | $ 1,218,000 | $ 243,000 | $ 56,000 |
| FLINT, MI | 5 | $ 902,000 | $ 180,000 | $ 78,000 |
| FORT WAYNE, IN | 5 | $ 655,000 | $ 131,000 | $ 64,000 |
| GOLDSBORO, NC | 5 | $ 852,000 | $ 170,000 | $ 71,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 5 | $ 817,000 | $ 166,000 | $ 72,500 |
| LAFAYETTE, IN | 5 | $ 897,000 | $ 179,000 | $ 60,000 |
| LIMA, OH | 5 | $ 728,000 | $ 145,000 | $ 54,000 |
| MORRISTOWN, TN | 5 | $ 727,000 | $ 145,000 | $ 41,000 |
| NORWICH-NEW LONDON, CT | 5 | $ 1,444,000 | $ 288,000 | $ 72,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 5 | $ 755,000 | $ 151,000 | $ 45,000 |
| SPRINGFIELD, MO | 5 | $ 837,000 | $ 167,000 | $ 69,000 |
| TUSCALOOSA, AL | 5 | $ 838,000 | $ 167,000 | $ 70,000 |
| ALBANY, GA | 4 | $ 806,000 | $ 201,000 | $ 73,000 |
| ANDERSON, IN | 4 | $ 531,000 | $ 132,000 | $ 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 | $ 170,000 | $ 75,000 |
| BURLINGTON, NC | 4 | $ 712,000 | $ 178,000 | $ 55,000 |
| CAPE CORAL-FORT MYERS, FL | 4 | $ 823,000 | $ 205,000 | $ 97,000 |
| CLARKSVILLE, TN-KY | 4 | $ 762,000 | $ 190,000 | $ 74,000 |
| GAINESVILLE, FL | 4 | $ 757,000 | $ 189,000 | $ 55,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 4 | $ 756,000 | $ 189,000 | $ 58,000 |
| JEFFERSON CITY, MO | 4 | $ 747,000 | $ 186,000 | $ 70,000 |
| KANKAKEE-BRADLEY, IL | 4 | $ 676,000 | $ 169,000 | $ 63,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 4 | $ 603,000 | $ 150,000 | $ 49,000 |
| PEABODY, MA | 4 | $ 1,249,000 | $ 312,000 | $ 60,000 |
| SPRINGFIELD, IL | 4 | $ 776,000 | $ 194,000 | $ 92,000 |
| WARNER ROBINS, GA | 4 | $ 758,000 | $ 189,000 | $ 57,000 |
| YAKIMA, WA | 4 | $ 822,000 | $ 205,000 | $ 50,000 |
| ANNISTON-OXFORD, AL | 3 | $ 335,000 | $ 111,000 | $ 46,000 |
| BATTLE CREEK, MI | 3 | $ 414,000 | $ 138,000 | $ 68,000 |
| BREMERTON-SILVERDALE, WA | 3 | $ 752,000 | $ 250,000 | $ 97,000 |
| CHAMPAIGN-URBANA, IL | 3 | $ 390,000 | $ 130,000 | $ 51,000 |
| CLEVELAND, TN | 3 | $ 718,000 | $ 239,000 | $ 87,000 |
| DECATUR, IL | 3 | $ 345,000 | $ 115,000 | $ 44,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 3 | $ 509,000 | $ 169,000 | $ 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 | $ 163,000 | $ 56,000 |
| FORT WORTH-ARLINGTON, TX | 3 | $ 414,000 | $ 138,000 | $ 54,000 |
| GRAND RAPIDS-WYOMING, MI | 3 | $ 601,000 | $ 200,000 | $ 136,000 |
| KALAMAZOO-PORTAGE, MI | 3 | $ 517,000 | $ 172,000 | $ 58,000 |
| KENNEWICK-PASCO-RICHLAND, WA | 3 | $ 561,000 | $ 187,000 | $ 89,000 |
| LAKELAND-WINTER HAVEN, FL | 3 | $ 508,000 | $ 169,000 | $ 60,000 |
| MACON, GA | 3 | $ 506,000 | $ 168,000 | $ 71,000 |
| MONROE, MI | 3 | $ 761,000 | $ 253,000 | $ 103,000 |
| NAPLES-MARCO ISLAND, FL | 3 | $ 974,000 | $ 324,000 | $ 59,000 |
| OCALA, FL | 3 | $ 601,000 | $ 200,000 | $ 89,000 |
| PORT ST. LUCIE, FL | 3 | $ 537,000 | $ 179,000 | $ 77,000 |
| SANDUSKY, OH | 3 | $ 361,000 | $ 120,000 | $ 60,000 |
| SPRINGFIELD, MA | 3 | $ 495,000 | $ 165,000 | $ 65,000 |
| TALLAHASSEE, FL | 3 | $ 496,000 | $ 165,000 | $ 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 | $ 193,000 | $ 72,000 |
| CUMBERLAND, MD-WV | 2 | $ 347,000 | $ 173,000 | $ 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 | $ 154,000 | $ 65,000 |
| FLORENCE-MUSCLE SHOALS, AL | 2 | $ 305,000 | $ 152,000 | $ 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 | $ 193,000 | $ 87,000 |
| MANSFIELD, OH | 2 | $ 311,000 | $ 155,000 | $ 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 | $ 172,000 | $ 105,000 |
| ST. JOSEPH, MO-KS | 2 | $ 211,000 | $ 105,000 | $ 43,000 |
| SUMTER, SC | 2 | $ 237,000 | $ 118,000 | $ 34,000 |
| TERRE HAUTE, IN | 2 | $ 371,000 | $ 185,000 | $ 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 | $ 208,000 | $ 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.