First Ohio Home Finance, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
First Ohio Home Finance, Inc. 2016 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 Home Finance, Inc. 385 County Line Rd W, Ste 200 Westerville, OH 43082 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 1,139 |
| Total Mortgage Loan Application Amount | $200,803,000 |
| Average Mortgage Loan Application Amount | $176,500 |
| Highest Mortgage Loan Application Amount | $860,000 |
| Average Applicant Income | $88,500 |
| Highest Applicant Income | $650,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with First Ohio Home Finance, 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 Home Finance, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down First Ohio Home Finance, 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 Home Finance, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by First Ohio Home Finance, 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 Home Finance, Inc.'s mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Ohio | 316 | $ 60,181,000 | $ 190,000 | $ 93,000 |
| Delaware County Ohio | 97 | $ 22,772,000 | $ 234,000 | $ 115,000 |
| Summit County Ohio | 90 | $ 12,347,000 | $ 137,000 | $ 63,000 |
| Cuyahoga County Ohio | 79 | $ 10,334,000 | $ 130,000 | $ 71,000 |
| Licking County Ohio | 37 | $ 6,249,000 | $ 168,000 | $ 96,000 |
| Stark County Ohio | 37 | $ 5,598,000 | $ 151,000 | $ 64,000 |
| Fairfield County Ohio | 31 | $ 5,982,000 | $ 192,000 | $ 95,000 |
| Clark County Ohio | 28 | $ 3,308,000 | $ 118,000 | $ 62,000 |
| Lake County Ohio | 27 | $ 3,820,000 | $ 141,000 | $ 75,000 |
| Medina County Ohio | 24 | $ 3,799,000 | $ 158,000 | $ 70,000 |
| Portage County Ohio | 23 | $ 3,768,000 | $ 163,000 | $ 73,000 |
| Hamilton County Ohio | 21 | $ 3,406,000 | $ 162,000 | $ 99,000 |
| Butler County Ohio | 17 | $ 3,003,000 | $ 176,000 | $ 82,000 |
| Champaign County Ohio | 17 | $ 2,054,000 | $ 120,000 | $ 64,000 |
| Montgomery County Ohio | 16 | $ 2,442,000 | $ 152,000 | $ 77,000 |
| Lorain County Ohio | 15 | $ 2,250,000 | $ 150,000 | $ 70,000 |
| Denver County Colorado | 14 | $ 3,634,000 | $ 259,000 | $ 88,000 |
| Geauga County Ohio | 13 | $ 2,449,000 | $ 188,000 | $ 76,000 |
| Lucas County Ohio | 13 | $ 2,269,000 | $ 174,000 | $ 108,000 |
| Clermont County Ohio | 12 | $ 2,030,000 | $ 169,000 | $ 85,000 |
| Union County Ohio | 12 | $ 2,420,000 | $ 201,000 | $ 110,000 |
| Pickaway County Ohio | 11 | $ 2,224,000 | $ 202,000 | $ 99,000 |
| Jefferson County Colorado | 9 | $ 2,509,000 | $ 278,000 | $ 84,000 |
| Ross County Ohio | 9 | $ 1,322,000 | $ 146,000 | $ 57,000 |
| Trumbull County Ohio | 9 | $ 891,000 | $ 99,000 | $ 63,000 |
| Warren County Ohio | 9 | $ 2,027,000 | $ 225,000 | $ 89,000 |
| Douglas County Colorado | 8 | $ 1,534,000 | $ 191,000 | $ 101,000 |
| Wood County Ohio | 8 | $ 1,763,000 | $ 220,000 | $ 88,000 |
| Guernsey County Ohio | 7 | $ 657,000 | $ 93,000 | $ 47,000 |
| Arapahoe County Colorado | 6 | $ 1,663,000 | $ 277,000 | $ 69,000 |
| Madison County Ohio | 6 | $ 1,475,000 | $ 245,000 | $ 98,000 |
| Tuscarawas County Ohio | 6 | $ 784,000 | $ 130,000 | $ 67,000 |
| Wayne County Ohio | 6 | $ 808,000 | $ 134,000 | $ 62,000 |
| Knox County Ohio | 5 | $ 921,000 | $ 184,000 | $ 130,000 |
| Mahoning County Ohio | 5 | $ 632,000 | $ 126,000 | $ 68,000 |
| El Paso County Colorado | 4 | $ 910,000 | $ 227,000 | $ 88,000 |
| Ashland County Ohio | 4 | $ 590,000 | $ 147,000 | $ 70,000 |
| Columbiana County Ohio | 4 | $ 585,000 | $ 146,000 | $ 96,000 |
| Hocking County Ohio | 4 | $ 484,000 | $ 121,000 | $ 84,000 |
| Logan County Ohio | 4 | $ 597,000 | $ 149,000 | $ 79,000 |
| Marion County Ohio | 4 | $ 514,000 | $ 128,000 | $ 67,000 |
| Morrow County Ohio | 4 | $ 651,000 | $ 162,000 | $ 87,000 |
| Athens County Ohio | 3 | $ 769,000 | $ 256,000 | $ 152,000 |
| Pike County Ohio | 3 | $ 587,000 | $ 195,000 | $ 134,000 |
| Scioto County Ohio | 3 | $ 905,000 | $ 301,000 | $ 321,000 |
| Washington County Ohio | 3 | $ 351,000 | $ 117,000 | $ 51,000 |
| Adams County Colorado | 2 | $ 452,000 | $ 226,000 | $ 86,000 |
| Teller County Colorado | 2 | $ 834,000 | $ 417,000 | $ 153,000 |
| Marion County Florida | 2 | $ 563,000 | $ 281,000 | $ 400,000 |
| Clinton County Ohio | 2 | $ 319,000 | $ 159,000 | $ 75,000 |
| Erie County Ohio | 2 | $ 408,000 | $ 204,000 | $ 101,000 |
| Fayette County Ohio | 2 | $ 164,000 | $ 82,000 | $ 67,000 |
| Greene County Ohio | 2 | $ 303,000 | $ 151,000 | $ 98,000 |
| Hancock County Ohio | 2 | $ 182,000 | $ 91,000 | $ 38,000 |
| Hardin County Ohio | 2 | $ 331,000 | $ 165,000 | $ 86,000 |
| Jefferson County Ohio | 2 | $ 246,000 | $ 123,000 | $ 54,000 |
| Miami County Ohio | 2 | $ 229,000 | $ 114,000 | $ 124,000 |
| Ottawa County Ohio | 2 | $ 469,000 | $ 234,000 | $ 170,000 |
| Richland County Ohio | 2 | $ 284,000 | $ 142,000 | $ 82,000 |
| San Bernardino County California | 1 | $ 148,000 | $ 148,000 | $ 144,000 |
| Summit County Colorado | 1 | $ 143,000 | $ 143,000 | $ 162,000 |
| Weld County Colorado | 1 | $ 248,000 | $ 248,000 | $ 44,000 |
| Broward County Florida | 1 | $ 372,000 | $ 372,000 | $ 175,000 |
| Lee County Florida | 1 | $ 228,000 | $ 228,000 | $ 79,000 |
| Manatee County Florida | 1 | $ 314,000 | $ 314,000 | $ 147,000 |
| Martin County Florida | 1 | $ 249,000 | $ 249,000 | $ 117,000 |
| Pinellas County Florida | 1 | $ 219,000 | $ 219,000 | $ 55,000 |
| Sarasota County Florida | 1 | $ 280,000 | $ 280,000 | $ 92,000 |
| Volusia County Florida | 1 | $ 380,000 | $ 380,000 | $ 393,000 |
| Oakland County Michigan | 1 | $ 214,000 | $ 214,000 | $ 353,000 |
| Van Buren County Michigan | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Allen County Ohio | 1 | $ 221,000 | $ 221,000 | $ 91,000 |
| Ashtabula County Ohio | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| Auglaize County Ohio | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Brown County Ohio | 1 | $ 96,000 | $ 96,000 | $ 58,000 |
| Carroll County Ohio | 1 | $ 169,000 | $ 169,000 | $ 103,000 |
| Coshocton County Ohio | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Crawford County Ohio | 1 | $ 92,000 | $ 92,000 | $ 48,000 |
| Highland County Ohio | 1 | $ 240,000 | $ 240,000 | $ 135,000 |
| Huron County Ohio | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Jackson County Ohio | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Muskingum County Ohio | 1 | $ 63,000 | $ 63,000 | $ 20,000 |
| Preble County Ohio | 1 | $ 176,000 | $ 176,000 | $ 50,000 |
| Seneca County Ohio | 1 | $ 83,000 | $ 83,000 | $ 73,000 |
| Van Wert County Ohio | 1 | $ 107,000 | $ 107,000 | $ 26,000 |
| Vinton County Ohio | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Wyandot County Ohio | 1 | $ 114,000 | $ 114,000 | $ 64,000 |
| Lancaster County Pennsylvania | 1 | $ 183,000 | $ 183,000 | $ 107,000 |
| York County Pennsylvania | 1 | $ 211,000 | $ 211,000 | $ 162,000 |
Mortgage Loan Application Detail Totals for First Ohio Home Finance, Inc. in 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 687 | $118,722,000 | $172,000 | $860,000 | $83,000 | $400,000 |
| Refinancing | 452 | $82,081,000 | $181,000 | $417,000 | $94,000 | $650,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 955 | $168,753,000 | $176,000 | $860,000 | $88,000 | $578,000 |
| Black or African American | 67 | $10,835,000 | $161,000 | $415,000 | $69,000 | $240,000 |
| Not Provided | 63 | $11,073,000 | $175,000 | $389,000 | $93,000 | $650,000 |
| Asian | 32 | $6,004,000 | $187,000 | $396,000 | $91,000 | $184,000 |
| Hispanic | 21 | $3,948,000 | $188,000 | $380,000 | $79,000 | $187,000 |
| American Indian or Alaskan Native | 1 | $190,000 | $190,000 | $190,000 | $74,000 | $74,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 705 | $137,749,000 | $195,000 | $860,000 | $106,000 | $650,000 |
| FHA-insured (Federal Housing Administration) | 370 | $53,734,000 | $145,000 | $388,000 | $58,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,706,000 | $172,000 | $350,000 | $52,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,614,000 | $116,000 | $167,000 | $47,000 | $77,000 |
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 | 780 | $140,807,000 | $180,000 | $546,000 | $90,000 | $578,000 |
| Application Withdrawn By Applicant | 249 | $43,298,000 | $173,000 | $860,000 | $84,000 | $650,000 |
| Application Denied By Financial Institution | 93 | $13,529,000 | $145,000 | $391,000 | $74,000 | $311,000 |
| File Closed For Incompleteness | 17 | $3,169,000 | $186,000 | $417,000 | $86,000 | $142,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 20 | $2,806,000 | $140,000 | $280,000 | $47,000 | $128,000 |
| Collateral | 19 | $2,640,000 | $138,000 | $282,000 | $86,000 | $182,000 |
| Credit History | 17 | $2,214,000 | $130,000 | $276,000 | $78,000 | $236,000 |
| Other | 12 | $1,728,000 | $144,000 | $388,000 | $100,000 | $311,000 |
| Credit Application Incomplete | 9 | $2,044,000 | $227,000 | $391,000 | $91,000 | $263,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $701,000 | $175,000 | $276,000 | $79,000 | $100,000 |
| Employment History | 2 | $200,000 | $100,000 | $147,000 | $29,000 | $32,000 |
| Mortgage Insurance Denied | 1 | $79,000 | $79,000 | $79,000 | $32,000 | $32,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ohio Home Finance, Inc.'s 2016 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 Home Finance, 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.