First Place Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003

First Place Bank 2003 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 Place Bank
999 E Main St
Ravenna, OH 44266
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 10,511
Total Mortgage Loan Application Amount $1,384,691,000
Average Mortgage Loan Application Amount $238,880
Highest Mortgage Loan Application Amount $3,814,000
Average Applicant Income $105,620
Highest Applicant Income $4,850,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Place Bank. 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 Place Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2003 breaks down First Place Bank'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 Place Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by First Place Bank, 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 Place Bank's mortgage activity for 2003.

Mortgage Loan Application Totals for First Place Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Mahoning County Ohio 2,063 $ 213,106,000 $ 103,000 $ 57,000
Trumbull County Ohio 1,854 $ 161,071,000 $ 86,000 $ 52,000
Cuyahoga County Ohio 1,850 $ 262,149,000 $ 141,000 $ 61,000
Portage County Ohio 596 $ 82,787,000 $ 138,000 $ 59,000
Summit County Ohio 529 $ 73,237,000 $ 138,000 $ 66,000
Montgomery County Ohio 295 $ 50,215,000 $ 170,000 $ 84,000
Lake County Ohio 290 $ 34,951,000 $ 120,000 $ 53,000
Lorain County Ohio 290 $ 43,706,000 $ 150,000 $ 71,000
Warren County Ohio 248 $ 54,514,000 $ 219,000 $ 95,000
Licking County Ohio 233 $ 35,201,000 $ 151,000 $ 100,000
Geauga County Ohio 206 $ 47,668,000 $ 231,000 $ 90,000
Hamilton County Ohio 196 $ 32,078,000 $ 163,000 $ 66,000
Lucas County Ohio 186 $ 22,684,000 $ 121,000 $ 45,000
Butler County Ohio 147 $ 23,889,000 $ 162,000 $ 67,000
Medina County Ohio 140 $ 20,649,000 $ 147,000 $ 75,000
Greene County Ohio 137 $ 28,300,000 $ 206,000 $ 103,000
Knox County Ohio 118 $ 12,308,000 $ 104,000 $ 61,000
Clermont County Ohio 113 $ 21,039,000 $ 186,000 $ 66,000
Stark County Ohio 89 $ 12,067,000 $ 135,000 $ 51,000
Columbiana County Ohio 84 $ 9,844,000 $ 117,000 $ 55,000
Cook County Illinois 80 $ 13,966,000 $ 174,000 $ 176,000
Franklin County Ohio 66 $ 9,571,000 $ 145,000 $ 64,000
Wood County Ohio 36 $ 6,374,000 $ 177,000 $ 63,000
Ashtabula County Ohio 34 $ 3,228,000 $ 94,000 $ 74,000
Lake County Indiana 30 $ 4,893,000 $ 163,000 $ 33,000
Delaware County Ohio 30 $ 7,080,000 $ 236,000 $ 52,000
DuPage County Illinois 26 $ 4,559,000 $ 175,000 $ 78,000
Fairfield County Ohio 26 $ 4,788,000 $ 184,000 $ 82,000
Kenton County Kentucky 25 $ 4,084,000 $ 163,000 $ 43,000
Campbell County Kentucky 20 $ 3,247,000 $ 162,000 $ 66,000
Boone County Kentucky 19 $ 3,264,000 $ 171,000 $ 65,000
Mercer County Pennsylvania 18 $ 2,042,000 $ 113,000 $ 51,000
Will County Illinois 16 $ 2,984,000 $ 186,000 $ 29,000
Duval County Florida 15 $ 837,000 $ 55,000 $ 170,000
Brown County Ohio 14 $ 2,306,000 $ 164,000 $ 61,000
Lee County Florida 13 $ 3,301,000 $ 253,000 $ 133,000
Monroe County Michigan 13 $ 2,385,000 $ 183,000 $ 55,000
Dearborn County Indiana 12 $ 2,344,000 $ 195,000 $ 92,000
Oakland County Michigan 11 $ 3,291,000 $ 299,000 $ 81,000
Miami County Ohio 11 $ 1,729,000 $ 157,000 $ 101,000
Allegheny County Pennsylvania 11 $ 1,373,000 $ 124,000 $ 48,000
Lawrence County Pennsylvania 11 $ 882,000 $ 80,000 $ 48,000
Erie County Ohio 10 $ 1,293,000 $ 129,000 $ 58,000
Collier County Florida 9 $ 1,753,000 $ 194,000 $ 78,000
Muskingum County Ohio 9 $ 1,239,000 $ 137,000 $ 90,000
Wayne County Ohio 9 $ 933,000 $ 103,000 $ 61,000
Clark County Ohio 8 $ 1,217,000 $ 152,000 $ 54,000
Ottawa County Ohio 8 $ 1,601,000 $ 200,000 $ 119,000
Union County Ohio 8 $ 1,167,000 $ 145,000 $ 51,000
Pinellas County Florida 7 $ 1,128,000 $ 161,000 $ 183,000
Morrow County Ohio 7 $ 1,045,000 $ 149,000 $ 55,000
Perry County Ohio 7 $ 1,745,000 $ 249,000 $ 153,000
Fulton County Georgia 6 $ 3,176,000 $ 529,000 $ 347,000
Porter County Indiana 5 $ 714,000 $ 142,000 $ 0
Clinton County Ohio 5 $ 1,022,000 $ 204,000 $ 49,000
Huron County Ohio 5 $ 933,000 $ 186,000 $ 115,000
Butler County Pennsylvania 5 $ 672,000 $ 134,000 $ 49,000
Los Angeles County California 4 $ 547,000 $ 136,000 $ 68,000
Broward County Florida 4 $ 1,002,000 $ 250,000 $ 47,000
Palm Beach County Florida 4 $ 560,000 $ 140,000 $ 42,000
Steuben County Indiana 4 $ 571,000 $ 142,000 $ 193,000
Lenawee County Michigan 4 $ 497,000 $ 124,000 $ 47,000
Carroll County Ohio 4 $ 679,000 $ 169,000 $ 80,000
Logan County Ohio 4 $ 414,000 $ 103,000 $ 56,000
Marion County Ohio 4 $ 394,000 $ 98,000 $ 31,000
Sandusky County Ohio 4 $ 635,000 $ 158,000 $ 68,000
Brevard County Florida 3 $ 368,000 $ 122,000 $ 143,000
Hillsborough County Florida 3 $ 766,000 $ 255,000 $ 100,000
McHenry County Illinois 3 $ 468,000 $ 156,000 $ 0
LaPorte County Indiana 3 $ 488,000 $ 162,000 $ 47,000
Marion County Indiana 3 $ 523,000 $ 174,000 $ 74,000
Ripley County Indiana 3 $ 457,000 $ 152,000 $ 36,000
Clinton County Michigan 3 $ 410,000 $ 136,000 $ 62,000
Ingham County Michigan 3 $ 413,000 $ 137,000 $ 90,000
Macomb County Michigan 3 $ 428,000 $ 142,000 $ 42,000
Washtenaw County Michigan 3 $ 568,000 $ 189,000 $ 0
Adams County Ohio 3 $ 409,000 $ 136,000 $ 42,000
Holmes County Ohio 3 $ 256,000 $ 85,000 $ 104,000
Beaver County Pennsylvania 3 $ 400,000 $ 133,000 $ 0
Horry County South Carolina 3 $ 369,000 $ 123,000 $ 84,000
Maricopa County Arizona 2 $ 422,000 $ 211,000 $ 33,000
Orange County California 2 $ 502,000 $ 251,000 $ 79,000
Flagler County Florida 2 $ 597,000 $ 298,000 $ 117,000
Indian River County Florida 2 $ 300,000 $ 150,000 $ 41,000
Manatee County Florida 2 $ 430,000 $ 215,000 $ 164,000
Miami-Dade County Florida 2 $ 286,000 $ 143,000 $ 4,850,000
Orange County Florida 2 $ 804,000 $ 402,000 $ 317,000
Polk County Florida 2 $ 105,000 $ 52,000 $ 195,000
Santa Rosa County Florida 2 $ 372,000 $ 186,000 $ 67,000
Seminole County Florida 2 $ 405,000 $ 202,000 $ 175,000
Humboldt County Iowa 2 $ 78,000 $ 39,000 $ 22,000
Pendleton County Kentucky 2 $ 169,000 $ 84,000 $ 34,000
Charlevoix County Michigan 2 $ 334,000 $ 167,000 $ 127,000
Wayne County Michigan 2 $ 370,000 $ 185,000 $ 0
Hennepin County Minnesota 2 $ 1,250,000 $ 625,000 $ 72,000
Fulton County Ohio 2 $ 305,000 $ 152,000 $ 72,000
Highland County Ohio 2 $ 282,000 $ 141,000 $ 77,000
Madison County Ohio 2 $ 499,000 $ 249,000 $ 83,000
Pickaway County Ohio 2 $ 225,000 $ 112,000 $ 39,000
Preble County Ohio 2 $ 231,000 $ 115,000 $ 114,000
Fayette County Pennsylvania 2 $ 203,000 $ 101,000 $ 69,000
Montgomery County Pennsylvania 2 $ 437,000 $ 218,000 $ 88,000
Fairfax County Virginia 2 $ 342,000 $ 171,000 $ 93,000
Monongalia County West Virginia 2 $ 63,000 $ 31,000 $ 88,000
Ohio County West Virginia 2 $ 96,000 $ 48,000 $ 37,000
Riverside County California 1 $ 72,000 $ 72,000 $ 185,000
Sacramento County California 1 $ 285,000 $ 285,000 $ 43,000
Garfield County Colorado 1 $ 194,000 $ 194,000 $ 87,000
Routt County Colorado 1 $ 191,000 $ 191,000 $ 156,000
New Haven County Connecticut 1 $ 444,000 $ 444,000 $ 300,000
Charlotte County Florida 1 $ 140,000 $ 140,000 $ 110,000
Highlands County Florida 1 $ 59,000 $ 59,000 $ 81,000
Lake County Florida 1 $ 46,000 $ 46,000 $ 40,000
Marion County Florida 1 $ 35,000 $ 35,000 $ 123,000
Martin County Florida 1 $ 518,000 $ 518,000 $ 438,000
Monroe County Florida 1 $ 500,000 $ 500,000 $ 233,000
Osceola County Florida 1 $ 210,000 $ 210,000 $ 336,000
Cherokee County Georgia 1 $ 98,000 $ 98,000 $ 0
Fayette County Georgia 1 $ 292,000 $ 292,000 $ 0
Champaign County Illinois 1 $ 150,000 $ 150,000 $ 0
DeKalb County Illinois 1 $ 110,000 $ 110,000 $ 0
Kane County Illinois 1 $ 236,000 $ 236,000 $ 0
Kankakee County Illinois 1 $ 133,000 $ 133,000 $ 0
Delaware County Indiana 1 $ 135,000 $ 135,000 $ 70,000
Hamilton County Indiana 1 $ 239,000 $ 239,000 $ 159,000
Madison County Indiana 1 $ 52,000 $ 52,000 $ 62,000
Marshall County Indiana 1 $ 141,000 $ 141,000 $ 0
Ohio County Indiana 1 $ 214,000 $ 214,000 $ 85,000
White County Indiana 1 $ 112,000 $ 112,000 $ 0
Bracken County Kentucky 1 $ 174,000 $ 174,000 $ 69,000
Fayette County Kentucky 1 $ 124,000 $ 124,000 $ 47,000
Jessamine County Kentucky 1 $ 208,000 $ 208,000 $ 83,000
Owen County Kentucky 1 $ 178,000 $ 178,000 $ 0
Cumberland County Maine 1 $ 105,000 $ 105,000 $ 106,000
Frederick County Maryland 1 $ 287,000 $ 287,000 $ 66,000
Prince George's County Maryland 1 $ 91,000 $ 91,000 $ 57,000
Barnstable County Massachusetts 1 $ 233,000 $ 233,000 $ 105,000
Suffolk County Massachusetts 1 $ 438,000 $ 438,000 $ 266,000
Eaton County Michigan 1 $ 194,000 $ 194,000 $ 0
Hillsdale County Michigan 1 $ 88,000 $ 88,000 $ 104,000
Iosco County Michigan 1 $ 46,000 $ 46,000 $ 0
Isabella County Michigan 1 $ 92,000 $ 92,000 $ 17,000
Jackson County Michigan 1 $ 150,000 $ 150,000 $ 77,000
Livingston County Michigan 1 $ 203,000 $ 203,000 $ 0
St. Clair County Michigan 1 $ 196,000 $ 196,000 $ 0
Clark County Nevada 1 $ 69,000 $ 69,000 $ 271,000
Washoe County Nevada 1 $ 246,000 $ 246,000 $ 136,000
Hillsborough County New Hampshire 1 $ 302,000 $ 302,000 $ 90,000
Passaic County New Jersey 1 $ 219,000 $ 219,000 $ 86,000
Sussex County New Jersey 1 $ 500,000 $ 500,000 $ 100,000
Union County New Jersey 1 $ 323,000 $ 323,000 $ 170,000
Cattaraugus County New York 1 $ 111,000 $ 111,000 $ 127,000
Erie County New York 1 $ 267,000 $ 267,000 $ 119,000
Westchester County New York 1 $ 471,000 $ 471,000 $ 239,000
Brunswick County North Carolina 1 $ 67,000 $ 67,000 $ 29,000
Allen County Ohio 1 $ 62,000 $ 62,000 $ 72,000
Ashland County Ohio 1 $ 200,000 $ 200,000 $ 83,000
Athens County Ohio 1 $ 102,000 $ 102,000 $ 45,000
Champaign County Ohio 1 $ 140,000 $ 140,000 $ 69,000
Defiance County Ohio 1 $ 95,000 $ 95,000 $ 78,000
Fayette County Ohio 1 $ 222,000 $ 222,000 $ 106,000
Hancock County Ohio 1 $ 148,000 $ 148,000 $ 98,000
Hocking County Ohio 1 $ 114,000 $ 114,000 $ 43,000
Ross County Ohio 1 $ 348,000 $ 348,000 $ 110,000
Scioto County Ohio 1 $ 83,000 $ 83,000 $ 108,000
Wyandot County Ohio 1 $ 68,000 $ 68,000 $ 36,000
Washington County Oregon 1 $ 204,000 $ 204,000 $ 85,000
Bucks County Pennsylvania 1 $ 250,000 $ 250,000 $ 65,000
Crawford County Pennsylvania 1 $ 109,000 $ 109,000 $ 52,000
Beaufort County South Carolina 1 $ 400,000 $ 400,000 $ 329,000
Charleston County South Carolina 1 $ 155,000 $ 155,000 $ 121,000
Campbell County Tennessee 1 $ 158,000 $ 158,000 $ 197,000
Davidson County Tennessee 1 $ 86,000 $ 86,000 $ 73,000
Dallas County Texas 1 $ 260,000 $ 260,000 $ 225,000
Chittenden County Vermont 1 $ 193,000 $ 193,000 $ 0
Arlington County Virginia 1 $ 185,000 $ 185,000 $ 98,000
Barbour County West Virginia 1 $ 63,000 $ 63,000 $ 49,000
Wood County West Virginia 1 $ 200,000 $ 200,000 $ 118,000
Kenosha County Wisconsin 1 $ 500,000 $ 500,000 $ 104,000

Mortgage Loan Application Detail Totals for First Place Bank in 2003

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 (home purchase or home improvement, one-to-four family) 5,849 $782,252,000 $210,481 $1,126,000 $108,074 $1,914,000
Home Purchase (one-to-four family) 4,446 $569,817,000 $247,950 $1,000,000 $111,650 $4,850,000
Home Improvement (one-to-four family) 201 $18,570,000 $183,000 $550,000 $65,000 $528,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 15 $14,052,000 $936,000 $3,814,000 $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 9,987 $1,316,381,000 $227,866 $3,814,000 $102,933 $1,914,000
Black 265 $29,245,000 $97,333 $789,000 $62,333 $324,000
Asian or Pacific Islander 197 $32,190,000 $205,333 $550,000 $26,666 $250,000
Hispanic 60 $6,620,000 $134,000 $348,000 $624,200 $4,850,000
American Indian or Alaskan Native 2 $255,000 $127,000 $168,000 $45,000 $68,000
Information not provided by applicant in mail or telephone application 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0
Other 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) 10,222 $1,352,050,000 $224,766 $3,814,000 $109,433 $4,850,000
FHA-insured (Federal Housing Administration) 243 $26,124,000 $113,000 $215,000 $43,000 $281,000
VA-guaranteed (Veterans Administration) 46 $6,517,000 $157,000 $238,000 $58,000 $102,000
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 8,963 $1,192,920,000 $212,241 $3,814,000 $123,310 $1,914,000
Application Withdrawn By Applicant 539 $58,853,000 $167,000 $650,000 $38,200 $476,000
Application Approved But Not Accepted 412 $53,383,000 $163,833 $680,000 $207,500 $4,850,000
Application Denied By Financial Institution 349 $36,908,000 $222,750 $556,000 $72,500 $300,000
Loan Purchased By The Institution 248 $42,627,000 $199,142 $713,000 $0 $0
File Closed For Incompleteness 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
Credit Application Incomplete 106 $12,303,000 $135,000 $556,000 $60,500 $300,000
Credit History 100 $8,610,000 $86,000 $550,000 $51,000 $251,000
Debt-To-Income Ratio 77 $10,718,000 $285,333 $500,000 $68,666 $177,000
Collateral 38 $3,147,000 $84,000 $270,000 $68,000 $147,000
Insufficient Cash (Downpayment, Closing Cost) 18 $1,436,000 $79,000 $239,000 $55,000 $116,000
Mortgage Insurance Denied 5 $287,000 $57,000 $76,000 $30,000 $62,000
Employment History 4 $249,000 $62,000 $96,000 $26,000 $31,000
Unverifiable Information 1 $158,000 $158,000 $158,000 $36,000 $36,000
Other 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Place Bank's 2003 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 Place Bank'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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