First Ohio Banc & Lending Inc Mortgage Lending & HMDA Data, 2009
In 2009, First Ohio Banc & Lending Inc of Independence, OH reported 2,232 mortgage applications totaling $466.4 million, down 18% from 2008. The average application was for $208,968, and applicants reported an average income of $60,652. 91% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (176), Atlanta-Sandy Springs-Marietta, GA (105) and Seattle-Bellevue-Everett, WA (74) (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 | 2,232 |
| Total Mortgage Loan Application Amount | $466,418,000 |
| Average Mortgage Loan Application Amount | $208,968 |
| Highest Mortgage Loan Application Amount | $941,000 |
| Average Applicant Income | $60,652 |
| Highest Applicant Income | $574,000 |
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records First Ohio Banc & Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 176 | $ 24,935,000 | $ 141,676 | $ 52,000 |
| Atlanta-Sandy Springs-Marietta, GA | 105 | $ 21,934,000 | $ 208,895 | $ 60,000 |
| Seattle-Bellevue-Everett, WA | 74 | $ 23,011,000 | $ 310,959 | $ 81,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 69 | $ 21,468,000 | $ 311,130 | $ 81,043 |
| Baltimore-Towson, MD | 63 | $ 17,909,000 | $ 284,269 | $ 79,000 |
| Columbus, OH | 60 | $ 10,575,000 | $ 176,250 | $ 53,000 |
| Chicago-Naperville-Joliet, IL | 54 | $ 13,121,000 | $ 242,981 | $ 55,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 45 | $ 11,065,000 | $ 245,888 | $ 56,422 |
| Akron, OH | 43 | $ 7,228,000 | $ 168,093 | $ 65,000 |
| Richmond, VA | 36 | $ 7,649,000 | $ 212,472 | $ 53,000 |
| Kansas City, MO-KS | 34 | $ 6,164,000 | $ 181,294 | $ 70,117 |
| Cincinnati-Middletown, OH-KY-IN | 31 | $ 5,999,000 | $ 193,516 | $ 67,354 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 31 | $ 5,870,000 | $ 189,354 | $ 57,000 |
| St. Louis, MO-IL | 31 | $ 5,517,000 | $ 177,967 | $ 42,967 |
| Portland-Vancouver-Beaverton, OR-WA | 29 | $ 7,126,000 | $ 245,724 | $ 65,172 |
| Tacoma, WA | 28 | $ 7,893,000 | $ 281,892 | $ 81,000 |
| Charlotte-Gastonia-Concord, NC-SC | 27 | $ 4,964,000 | $ 183,851 | $ 66,185 |
| Hartford-West Hartford-East Hartford, CT | 27 | $ 6,579,000 | $ 243,666 | $ 82,000 |
| Indianapolis-Carmel, IN | 26 | $ 4,597,000 | $ 176,807 | $ 60,000 |
| Bethesda-Frederick-Rockville, MD | 25 | $ 8,694,000 | $ 347,760 | $ 70,000 |
| Birmingham-Hoover, AL | 25 | $ 4,621,000 | $ 184,840 | $ 58,000 |
| Gary, IN | 24 | $ 4,529,000 | $ 188,708 | $ 60,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 22 | $ 4,560,000 | $ 207,272 | $ 64,000 |
| New Haven-Milford, CT | 22 | $ 5,190,000 | $ 235,909 | $ 52,000 |
| Raleigh-Cary, NC | 21 | $ 4,163,000 | $ 198,238 | $ 59,000 |
| Augusta-Richmond County, GA-SC | 19 | $ 3,457,000 | $ 181,947 | $ 50,736 |
| Bridgeport-Stamford-Norwalk, CT | 19 | $ 6,023,000 | $ 317,000 | $ 69,000 |
| Columbia, SC | 19 | $ 3,209,000 | $ 168,894 | $ 60,000 |
| Canton-Massillon, OH | 17 | $ 2,974,000 | $ 174,941 | $ 72,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 7,052,000 | $ 414,823 | $ 98,000 |
| Wichita, KS | 16 | $ 2,809,000 | $ 175,562 | $ 76,000 |
| Memphis, TN-MS-AR | 15 | $ 2,396,000 | $ 159,733 | $ 51,000 |
| Greensboro-High Point, NC | 12 | $ 2,027,000 | $ 168,916 | $ 31,000 |
| Hickory-Lenoir-Morganton, NC | 12 | $ 2,051,000 | $ 170,916 | $ 56,000 |
| Warren-Troy-Farmington Hills, MI | 12 | $ 2,330,000 | $ 194,166 | $ 42,000 |
| Wilmington, NC | 12 | $ 2,487,000 | $ 207,250 | $ 57,000 |
| Knoxville, TN | 11 | $ 1,907,000 | $ 173,363 | $ 60,000 |
| Blacksburg-Christiansburg-Radford, VA | 10 | $ 1,817,000 | $ 181,700 | $ 42,000 |
| Charleston-North Charleston-Summerville, SC | 10 | $ 2,086,000 | $ 208,600 | $ 69,000 |
| Asheville, NC | 9 | $ 1,850,000 | $ 205,555 | $ 43,000 |
| Bremerton-Silverdale, WA | 9 | $ 2,127,000 | $ 236,333 | $ 83,000 |
| Dayton, OH | 9 | $ 1,446,000 | $ 160,666 | $ 47,000 |
| Hagerstown-Martinsburg, MD-WV | 9 | $ 2,058,000 | $ 228,666 | $ 30,000 |
| Huntsville, AL | 9 | $ 1,850,000 | $ 205,555 | $ 65,000 |
| Montgomery, AL | 9 | $ 1,750,000 | $ 194,444 | $ 66,000 |
| Norwich-New London, CT | 9 | $ 2,210,000 | $ 245,555 | $ 75,000 |
| Olympia, WA | 9 | $ 2,073,000 | $ 230,333 | $ 51,000 |
| Spokane, WA | 9 | $ 1,710,000 | $ 190,000 | $ 58,000 |
| Auburn-Opelika, AL | 8 | $ 1,640,000 | $ 205,000 | $ 52,000 |
| Johnson City, TN | 8 | $ 1,242,000 | $ 155,250 | $ 47,000 |
| Mobile, AL | 8 | $ 1,193,000 | $ 149,125 | $ 42,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,513,000 | $ 189,125 | $ 47,000 |
| Toledo, OH | 8 | $ 1,424,000 | $ 178,000 | $ 78,000 |
| Wilmington, DE-MD-NJ | 8 | $ 2,045,000 | $ 255,625 | $ 60,375 |
| Winston-Salem, NC | 8 | $ 1,433,000 | $ 179,125 | $ 33,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 1,184,000 | $ 148,000 | $ 53,000 |
| Bellingham, WA | 7 | $ 1,666,000 | $ 238,000 | $ 58,000 |
| Boston-Quincy, MA | 7 | $ 2,231,000 | $ 318,714 | $ 86,000 |
| Chattanooga, TN-GA | 7 | $ 1,032,000 | $ 147,428 | $ 43,428 |
| Eugene-Springfield, OR | 7 | $ 1,694,000 | $ 242,000 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,853,000 | $ 264,714 | $ 51,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 1,493,000 | $ 213,285 | $ 46,000 |
| Orlando-Kissimmee, FL | 7 | $ 1,586,000 | $ 226,571 | $ 50,000 |
| Salem, OR | 7 | $ 1,525,000 | $ 217,857 | $ 64,000 |
| Savannah, GA | 7 | $ 1,443,000 | $ 206,142 | $ 100,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 1,165,000 | $ 166,428 | $ 36,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,641,000 | $ 234,428 | $ 67,000 |
| Clarksville, TN-KY | 6 | $ 1,018,000 | $ 169,666 | $ 42,000 |
| Columbus, GA-AL | 6 | $ 1,200,000 | $ 200,000 | $ 56,000 |
| Greenville-Mauldin-Easley, SC | 6 | $ 1,208,000 | $ 201,333 | $ 63,000 |
| Kennewick-Pasco-Richland, WA | 6 | $ 1,124,000 | $ 187,333 | $ 49,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 940,000 | $ 156,666 | $ 57,666 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,428,000 | $ 238,000 | $ 72,000 |
| Athens-Clarke County, GA | 5 | $ 1,003,000 | $ 200,600 | $ 84,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 986,000 | $ 197,200 | $ 42,000 |
| Charlottesville, VA | 5 | $ 1,264,000 | $ 252,800 | $ 56,000 |
| Columbia, MO | 5 | $ 710,000 | $ 142,000 | $ 34,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 592,000 | $ 118,400 | $ 12,000 |
| Dothan, AL | 5 | $ 912,000 | $ 182,400 | $ 110,000 |
| Fayetteville, NC | 5 | $ 857,000 | $ 171,400 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 1,116,000 | $ 223,200 | $ 91,000 |
| Salisbury, MD | 5 | $ 813,000 | $ 162,600 | $ 68,000 |
| Springfield, MO | 5 | $ 963,000 | $ 192,600 | $ 92,000 |
| Topeka, KS | 5 | $ 929,000 | $ 185,800 | $ 26,000 |
| Warner Robins, GA | 5 | $ 1,002,000 | $ 200,400 | $ 64,000 |
| Yakima, WA | 5 | $ 1,153,000 | $ 230,600 | $ 102,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,214,000 | $ 303,500 | $ 111,000 |
| Cumberland, MD-WV | 4 | $ 611,000 | $ 152,750 | $ 35,000 |
| Dalton, GA | 4 | $ 741,000 | $ 185,250 | $ 43,000 |
| Evansville, IN-KY | 4 | $ 569,000 | $ 142,250 | $ 49,000 |
| Florence, SC | 4 | $ 624,000 | $ 156,000 | $ 84,000 |
| Jacksonville, FL | 4 | $ 823,000 | $ 205,750 | $ 28,000 |
| Lima, OH | 4 | $ 574,000 | $ 143,500 | $ 75,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,027,000 | $ 256,750 | $ 94,000 |
| Morristown, TN | 4 | $ 785,000 | $ 196,250 | $ 67,000 |
| Peoria, IL | 4 | $ 729,000 | $ 182,250 | $ 104,000 |
| Roanoke, VA | 4 | $ 625,000 | $ 156,250 | $ 55,000 |
| Rockford, IL | 4 | $ 778,000 | $ 194,500 | $ 79,000 |
| Rocky Mount, NC | 4 | $ 747,000 | $ 186,750 | $ 93,000 |
| Sumter, SC | 4 | $ 528,000 | $ 132,000 | $ 54,000 |
| Albany, GA | 3 | $ 584,000 | $ 194,666 | $ 19,000 |
| Albuquerque, NM | 3 | $ 726,000 | $ 242,000 | $ 98,000 |
| Anderson, SC | 3 | $ 726,000 | $ 242,000 | $ 84,000 |
| Anniston-Oxford, AL | 3 | $ 546,000 | $ 182,000 | $ 80,000 |
| Bend, OR | 3 | $ 832,000 | $ 277,333 | $ 58,000 |
| Bloomington-Normal, IL | 3 | $ 491,000 | $ 163,666 | $ 66,000 |
| Harrisonburg, VA | 3 | $ 589,000 | $ 196,333 | $ 58,000 |
| Jackson, TN | 3 | $ 490,000 | $ 163,333 | $ 78,000 |
| Jacksonville, NC | 3 | $ 563,000 | $ 187,666 | $ 32,000 |
| Lansing-East Lansing, MI | 3 | $ 430,000 | $ 143,333 | $ 27,000 |
| Lewiston, ID-WA | 3 | $ 412,000 | $ 137,333 | $ 29,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 856,000 | $ 285,333 | $ 68,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,122,000 | $ 374,000 | $ 121,000 |
| Ocala, FL | 3 | $ 567,000 | $ 189,000 | $ 55,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 1,065,000 | $ 355,000 | $ 92,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,275,000 | $ 425,000 | $ 102,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 1,888,000 | $ 629,333 | $ 144,000 |
| Springfield, IL | 3 | $ 466,000 | $ 155,333 | $ 70,000 |
| Tuscaloosa, AL | 3 | $ 559,000 | $ 186,333 | $ 51,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 549,000 | $ 183,000 | $ 41,000 |
| Brunswick, GA | 2 | $ 388,000 | $ 194,000 | $ 39,000 |
| Decatur, IL | 2 | $ 257,000 | $ 128,500 | $ 47,000 |
| Durham-Chapel Hill, NC | 2 | $ 523,000 | $ 261,500 | $ 96,000 |
| Elkhart-Goshen, IN | 2 | $ 341,000 | $ 170,500 | $ 31,000 |
| Florence-Muscle Shoals, AL | 2 | $ 330,000 | $ 165,000 | $ 81,000 |
| Fort Wayne, IN | 2 | $ 236,000 | $ 118,000 | $ 30,000 |
| Gadsden, AL | 2 | $ 323,000 | $ 161,500 | $ 50,000 |
| Goldsboro, NC | 2 | $ 295,000 | $ 147,500 | $ 92,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 233,000 | $ 116,500 | $ 34,000 |
| Holland-Grand Haven, MI | 2 | $ 403,000 | $ 201,500 | $ 93,000 |
| Longview, WA | 2 | $ 481,000 | $ 240,500 | $ 0 |
| Lynchburg, VA | 2 | $ 307,000 | $ 153,500 | $ 43,000 |
| Mansfield, OH | 2 | $ 234,000 | $ 117,000 | $ 32,000 |
| Medford, OR | 2 | $ 409,000 | $ 204,500 | $ 54,000 |
| Michigan City-La Porte, IN | 2 | $ 323,000 | $ 161,500 | $ 33,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,021,000 | $ 510,500 | $ 122,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 290,000 | $ 145,000 | $ 21,000 |
| Peabody, MA | 2 | $ 871,000 | $ 435,500 | $ 105,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 641,000 | $ 320,500 | $ 113,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 2 | $ 309,000 | $ 154,500 | $ 31,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 872,000 | $ 436,000 | $ 94,000 |
| Sandusky, OH | 2 | $ 430,000 | $ 215,000 | $ 31,000 |
| Spartanburg, SC | 2 | $ 293,000 | $ 146,500 | $ 0 |
| Winchester, VA-WV | 2 | $ 354,000 | $ 177,000 | $ 59,000 |
| Worcester, MA | 2 | $ 523,000 | $ 261,500 | $ 133,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 156,000 | $ 156,000 | $ 45,000 |
| Anderson, IN | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 370,000 | $ 370,000 | $ 112,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 270,000 | $ 270,000 | $ 55,000 |
| Burlington, NC | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Champaign-Urbana, IL | 1 | $ 137,000 | $ 137,000 | $ 64,000 |
| Cleveland, TN | 1 | $ 276,000 | $ 276,000 | $ 110,000 |
| Danville, VA | 1 | $ 183,000 | $ 183,000 | $ 88,000 |
| Duluth, MN-WI | 1 | $ 156,000 | $ 156,000 | $ 48,000 |
| Fairbanks, AK | 1 | $ 202,000 | $ 202,000 | $ 95,000 |
| Flint, MI | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Gainesville, GA | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 142,000 | $ 142,000 | $ 36,000 |
| Greenville, NC | 1 | $ 218,000 | $ 218,000 | $ 56,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Jackson, MI | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Jefferson City, MO | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Joplin, MO | 1 | $ 131,000 | $ 131,000 | $ 25,000 |
| Kalamazoo-Portage, MI | 1 | $ 216,000 | $ 216,000 | $ 54,000 |
| Lafayette, IN | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 264,000 | $ 264,000 | $ 96,000 |
| Lawrence, KS | 1 | $ 218,000 | $ 218,000 | $ 61,000 |
| Macon, GA | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 137,000 | $ 137,000 | $ 114,000 |
| Midland, TX | 1 | $ 105,000 | $ 105,000 | $ 366,000 |
| Muskegon-Norton Shores, MI | 1 | $ 139,000 | $ 139,000 | $ 67,000 |
| Naples-Marco Island, FL | 1 | $ 273,000 | $ 273,000 | $ 98,000 |
| Niles-Benton Harbor, MI | 1 | $ 151,000 | $ 151,000 | $ 74,000 |
| Oklahoma City, OK | 1 | $ 180,000 | $ 180,000 | $ 82,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 227,000 | $ 227,000 | $ 72,000 |
| Philadelphia, PA | 1 | $ 221,000 | $ 221,000 | $ 64,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 190,000 | $ 190,000 | $ 32,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 321,000 | $ 321,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 160,000 | $ 160,000 | $ 75,000 |
| Sebastian-Vero Beach, FL | 1 | $ 217,000 | $ 217,000 | $ 106,000 |
| Springfield, MA | 1 | $ 132,000 | $ 132,000 | $ 62,000 |
| St. Joseph, MO-KS | 1 | $ 32,000 | $ 32,000 | $ 106,000 |
| Stockton, CA | 1 | $ 294,000 | $ 294,000 | $ 82,000 |
| Tallahassee, FL | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 127,000 | $ 127,000 | $ 93,000 |
| Wheeling, WV-OH | 1 | $ 164,000 | $ 164,000 | $ 52,000 |
| York-Hanover, PA | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for First Ohio Banc & Lending Inc in 2009
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 | 2,116 | $450,211,000 | $212,000 | $941,000 | $61,000 | $574,000 |
| Home Purchase | 97 | $12,217,000 | $125,000 | $336,000 | $53,000 | $300,000 |
| Home Improvement | 19 | $3,990,000 | $210,000 | $277,000 | $61,000 | $177,000 |
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 | 1,680 | $349,949,000 | $208,000 | $941,000 | $62,000 | $574,000 |
| Black or African American | 258 | $51,077,000 | $197,000 | $735,000 | $53,000 | $170,000 |
| Not Provided | 179 | $38,105,000 | $212,000 | $540,000 | $65,000 | $300,000 |
| Hispanic | 83 | $18,562,000 | $223,000 | $531,000 | $60,000 | $292,000 |
| Asian | 22 | $5,418,000 | $246,000 | $519,000 | $67,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,400,000 | $342,000 | $478,000 | $110,000 | $260,000 |
| American Indian or Alaskan Native | 3 | $907,000 | $302,000 | $346,000 | $38,000 | $59,000 |
| 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) | 2,116 | $439,825,000 | $207,000 | $742,000 | $60,000 | $574,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 108 | $24,751,000 | $229,000 | $941,000 | $80,000 | $366,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,842,000 | $230,000 | $395,000 | $85,000 | $199,000 |
| 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 | 2,041 | $424,322,000 | $207,000 | $742,000 | $61,000 | $574,000 |
| Application Denied By Financial Institution | 191 | $42,096,000 | $220,000 | $941,000 | $63,000 | $300,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 80 | $16,297,000 | $203,000 | $540,000 | $53,000 | $154,000 |
| Debt-To-Income Ratio | 39 | $10,566,000 | $270,000 | $941,000 | $76,000 | $300,000 |
| Collateral | 38 | $8,684,000 | $228,000 | $510,000 | $76,000 | $269,000 |
| Credit History | 23 | $4,772,000 | $207,000 | $478,000 | $61,000 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,120,000 | $160,000 | $271,000 | $47,000 | $88,000 |
| Employment History | 2 | $299,000 | $149,000 | $172,000 | $22,000 | $44,000 |
| Mortgage Insurance Denied | 1 | $206,000 | $206,000 | $206,000 | $39,000 | $39,000 |
| Unverifiable Information | 1 | $152,000 | $152,000 | $152,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ohio Banc & Lending Inc's 2009 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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