First Ohio Home Finance, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Ohio Home Finance, Inc. 2021 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 | 1,814 |
| Total Mortgage Loan Application Amount | $324,970,000 |
| Average Mortgage Loan Application Amount | $185,333 |
| Highest Mortgage Loan Application Amount | $1,775,000 |
| Average Applicant Income | $102,666 |
| Highest Applicant Income | $2,619,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 566 | $ 110,570,000 | $ 195,000 | $ 122,000 |
| Summit County Ohio | 177 | $ 25,685,000 | $ 145,000 | $ 64,000 |
| Cuyahoga County Ohio | 113 | $ 15,055,000 | $ 133,000 | $ 114,000 |
| Guernsey County Ohio | 93 | $ 11,545,000 | $ 124,000 | $ 51,000 |
| Stark County Ohio | 86 | $ 13,980,000 | $ 162,000 | $ 72,000 |
| Delaware County Ohio | 85 | $ 24,645,000 | $ 289,000 | $ 122,000 |
| Muskingum County Ohio | 65 | $ 10,285,000 | $ 158,000 | $ 60,000 |
| Licking County Ohio | 53 | $ 11,495,000 | $ 216,000 | $ 78,000 |
| Fairfield County Ohio | 45 | $ 9,545,000 | $ 212,000 | $ 90,000 |
| Lake County Ohio | 31 | $ 4,905,000 | $ 158,000 | $ 93,000 |
| Lucas County Ohio | 30 | $ 3,660,000 | $ 122,000 | $ 92,000 |
| Medina County Ohio | 27 | $ 6,085,000 | $ 225,000 | $ 188,000 |
| Washington County Ohio | 27 | $ 4,105,000 | $ 152,000 | $ 53,000 |
| Clark County Ohio | 25 | $ 3,525,000 | $ 141,000 | $ 74,000 |
| Ashtabula County Ohio | 21 | $ 3,995,000 | $ 190,000 | $ 66,000 |
| Portage County Ohio | 19 | $ 2,995,000 | $ 157,000 | $ 82,000 |
| Noble County Ohio | 17 | $ 2,435,000 | $ 143,000 | $ 62,000 |
| Ross County Ohio | 17 | $ 2,985,000 | $ 175,000 | $ 74,000 |
| Montgomery County Ohio | 16 | $ 1,810,000 | $ 113,000 | $ 197,000 |
| Ashland County Ohio | 13 | $ 1,725,000 | $ 132,000 | $ 46,000 |
| Belmont County Ohio | 13 | $ 1,425,000 | $ 109,000 | $ 57,000 |
| Geauga County Ohio | 12 | $ 2,170,000 | $ 180,000 | $ 71,000 |
| Perry County Ohio | 12 | $ 1,900,000 | $ 158,000 | $ 56,000 |
| Lorain County Ohio | 11 | $ 2,015,000 | $ 183,000 | $ 123,000 |
| Mahoning County Ohio | 11 | $ 1,825,000 | $ 165,000 | $ 93,000 |
| Union County Ohio | 11 | $ 2,905,000 | $ 264,000 | $ 106,000 |
| Columbiana County Ohio | 10 | $ 2,000,000 | $ 200,000 | $ 99,000 |
| Hamilton County Ohio | 10 | $ 1,380,000 | $ 138,000 | $ 110,000 |
| Madison County Ohio | 10 | $ 2,750,000 | $ 275,000 | $ 110,000 |
| Pickaway County Ohio | 10 | $ 2,250,000 | $ 225,000 | $ 106,000 |
| Richland County Ohio | 10 | $ 1,100,000 | $ 110,000 | $ 136,000 |
| Tuscarawas County Ohio | 10 | $ 1,900,000 | $ 190,000 | $ 69,000 |
| Knox County Ohio | 9 | $ 1,455,000 | $ 161,000 | $ 74,000 |
| Jefferson County Ohio | 7 | $ 915,000 | $ 130,000 | $ 55,000 |
| Ottawa County Ohio | 7 | $ 1,025,000 | $ 146,000 | $ 132,000 |
| Trumbull County Ohio | 7 | $ 1,315,000 | $ 187,000 | $ 78,000 |
| Allen County Ohio | 6 | $ 670,000 | $ 111,000 | $ 83,000 |
| Hocking County Ohio | 6 | $ 1,340,000 | $ 223,000 | $ 82,000 |
| Marion County Ohio | 5 | $ 475,000 | $ 95,000 | $ 109,000 |
| Morrow County Ohio | 5 | $ 1,235,000 | $ 247,000 | $ 114,000 |
| Wayne County Ohio | 5 | $ 825,000 | $ 165,000 | $ 63,000 |
| Allegheny County Pennsylvania | 5 | $ 475,000 | $ 95,000 | $ 41,000 |
| Carroll County Ohio | 4 | $ 470,000 | $ 117,000 | $ 48,000 |
| Champaign County Ohio | 4 | $ 630,000 | $ 157,000 | $ 68,000 |
| Coshocton County Ohio | 4 | $ 560,000 | $ 140,000 | $ 50,000 |
| Harrison County Ohio | 4 | $ 370,000 | $ 92,000 | $ 54,000 |
| Collier County Florida | 3 | $ 715,000 | $ 238,000 | $ 177,000 |
| Manatee County Florida | 3 | $ 3,875,000 | $ 1,291,000 | $ 937,000 |
| Auglaize County Ohio | 3 | $ 345,000 | $ 115,000 | $ 49,000 |
| Crawford County Ohio | 3 | $ 265,000 | $ 88,000 | $ 39,000 |
| Defiance County Ohio | 3 | $ 475,000 | $ 158,000 | $ 59,000 |
| Morgan County Ohio | 3 | $ 375,000 | $ 125,000 | $ 40,000 |
| Seneca County Ohio | 3 | $ 245,000 | $ 81,000 | $ 37,000 |
| Broward County Florida | 2 | $ 670,000 | $ 335,000 | $ 150,000 |
| Lee County Florida | 2 | $ 660,000 | $ 330,000 | $ 352,000 |
| St. Johns County Florida | 2 | $ 570,000 | $ 285,000 | $ 125,000 |
| Marion County Indiana | 2 | $ 150,000 | $ 75,000 | $ 115,000 |
| Athens County Ohio | 2 | $ 410,000 | $ 205,000 | $ 81,000 |
| Clinton County Ohio | 2 | $ 320,000 | $ 160,000 | $ 88,000 |
| Greene County Ohio | 2 | $ 260,000 | $ 130,000 | $ 38,000 |
| Miami County Ohio | 2 | $ 530,000 | $ 265,000 | $ 118,000 |
| Pike County Ohio | 2 | $ 240,000 | $ 120,000 | $ 40,000 |
| Van Wert County Ohio | 2 | $ 500,000 | $ 250,000 | $ 99,000 |
| Warren County Ohio | 2 | $ 410,000 | $ 205,000 | $ 85,000 |
| Duval County Florida | 1 | $ 105,000 | $ 105,000 | $ 143,000 |
| Hillsborough County Florida | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| Martin County Florida | 1 | $ 265,000 | $ 265,000 | $ 165,000 |
| Pasco County Florida | 1 | $ 225,000 | $ 225,000 | $ 46,000 |
| Pinellas County Florida | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Sarasota County Florida | 1 | $ 245,000 | $ 245,000 | $ 251,000 |
| Boone County Indiana | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Dearborn County Indiana | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| Johnson County Indiana | 1 | $ 125,000 | $ 125,000 | $ 150,000 |
| Noble County Indiana | 1 | $ 305,000 | $ 305,000 | $ 146,000 |
| Boone County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 107,000 |
| Kalamazoo County Michigan | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Monroe County Michigan | 1 | $ 245,000 | $ 245,000 | $ 151,000 |
| Wayne County Michigan | 1 | $ 105,000 | $ 105,000 | $ 133,000 |
| Brown County Ohio | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Butler County Ohio | 1 | $ 185,000 | $ 185,000 | $ 35,000 |
| Clermont County Ohio | 1 | $ 265,000 | $ 265,000 | $ 133,000 |
| Darke County Ohio | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Erie County Ohio | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Fayette County Ohio | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Hardin County Ohio | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Holmes County Ohio | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
| Mercer County Ohio | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Monroe County Ohio | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Scioto County Ohio | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Vinton County Ohio | 1 | $ 385,000 | $ 385,000 | $ 223,000 |
| Williams County Ohio | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Wood County Ohio | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Bucks County Pennsylvania | 1 | $ 545,000 | $ 545,000 | $ 295,000 |
| Cambria County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Erie County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Lehigh County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Philadelphia County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 245,000 |
| James City County Virginia | 1 | $ 485,000 | $ 485,000 | $ 116,000 |
| Wood County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for First Ohio Home Finance, Inc. in 2021
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 | 1,268 | $220,380,000 | $173,000 | $1,775,000 | $94,000 | $2,619,000 |
| Cash-out Refinancing | 283 | $51,305,000 | $181,000 | $545,000 | $115,000 | $674,000 |
| Refinancing | 263 | $53,285,000 | $202,000 | $565,000 | $99,000 | $568,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,356 | $244,910,000 | $180,000 | $1,555,000 | $93,000 | $674,000 |
| Not Provided | 175 | $29,515,000 | $168,000 | $545,000 | $105,000 | $409,000 |
| Black or African American | 129 | $23,965,000 | $185,000 | $1,775,000 | $101,000 | $2,160,000 |
| Asian | 94 | $17,380,000 | $184,000 | $985,000 | $165,000 | $2,619,000 |
| Hispanic | 53 | $8,335,000 | $157,000 | $345,000 | $89,000 | $228,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $570,000 | $142,000 | $275,000 | $86,000 | $119,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,342 | $246,440,000 | $183,000 | $1,775,000 | $113,000 | $2,619,000 |
| FHA-insured (Federal Housing Administration) | 362 | $59,220,000 | $163,000 | $405,000 | $55,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 65 | $8,295,000 | $127,000 | $265,000 | $46,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 45 | $11,015,000 | $244,000 | $635,000 | $86,000 | $232,000 |
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 | 1,403 | $251,665,000 | $179,000 | $905,000 | $95,000 | $2,619,000 |
| Application Withdrawn By Applicant | 361 | $64,465,000 | $178,000 | $1,775,000 | $113,000 | $2,160,000 |
| Application Denied By Financial Institution | 50 | $8,840,000 | $176,000 | $495,000 | $80,000 | $492,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,764 | $316,130,000 | $179,000 | $1,775,000 | $99,000 | $2,619,000 |
| Employment History | 16 | $2,490,000 | $155,000 | $255,000 | $59,000 | $187,000 |
| Collateral | 12 | $1,800,000 | $150,000 | $335,000 | $68,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,620,000 | $162,000 | $345,000 | $93,000 | $287,000 |
| Unverifiable Information | 6 | $1,250,000 | $208,000 | $315,000 | $143,000 | $492,000 |
| Debt-To-Income Ratio | 4 | $1,150,000 | $287,000 | $495,000 | $68,000 | $85,000 |
| Credit History | 2 | $530,000 | $265,000 | $345,000 | $90,000 | $111,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ohio Home Finance, Inc.'s 2021 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.