First Place Bank Mortgage Lending & HMDA Data, 2005
In 2005, First Place Bank of Ravenna, OH reported 11,269 mortgage applications totaling $1.7 billion. The average application was for $152,095, and applicants reported an average income of $69,023. 65% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Youngstown-Warren-Boardman, OH-PA (2,188), Cleveland-Elyria-Mentor, OH (2,024) and Columbus, OH (988) (applications in parentheses).
| 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 | 2005 |
| Total Number of Mortgage Applications | 11,269 |
| Total Mortgage Loan Application Amount | $1,713,961,000 |
| Average Mortgage Loan Application Amount | $152,095 |
| Highest Mortgage Loan Application Amount | $3,010,000 |
| Average Applicant Income | $69,023 |
| Highest Applicant Income | $6,513,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Place Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Youngstown-Warren-Boardman, OH-PA | 2,188 | $ 198,348,000 | $ 90,652 | $ 65,000 |
| Cleveland-Elyria-Mentor, OH | 2,024 | $ 296,510,000 | $ 146,497 | $ 59,000 |
| Columbus, OH | 988 | $ 175,930,000 | $ 178,066 | $ 67,000 |
| Chicago-Naperville-Joliet, IL | 906 | $ 173,924,000 | $ 191,969 | $ 125,000 |
| Akron, OH | 877 | $ 125,837,000 | $ 143,485 | $ 55,000 |
| Cincinnati-Middletown, OH-KY-IN | 502 | $ 99,968,000 | $ 199,139 | $ 63,000 |
| Flint, MI | 393 | $ 56,962,000 | $ 144,941 | $ 60,000 |
| Warren-Farmington Hills-Troy, MI | 386 | $ 95,432,000 | $ 247,233 | $ 72,000 |
| Toledo, OH | 341 | $ 53,227,000 | $ 156,090 | $ 68,000 |
| Jackson, MI | 251 | $ 32,606,000 | $ 129,904 | $ 76,000 |
| Dayton, OH | 230 | $ 55,846,000 | $ 242,808 | $ 121,000 |
| Canton-Massillon, OH | 175 | $ 20,386,000 | $ 116,491 | $ 37,000 |
| Holland-Grand Haven, MI | 170 | $ 26,307,000 | $ 154,747 | $ 70,000 |
| Gary, IN | 131 | $ 16,949,000 | $ 129,381 | $ 0 |
| Grand Rapids-Wyoming, MI | 107 | $ 14,453,000 | $ 135,074 | $ 65,000 |
| Detroit-Livonia-Dearborn, MI | 102 | $ 14,717,000 | $ 144,284 | $ 75,000 |
| Lansing-East Lansing, MI | 57 | $ 7,308,000 | $ 128,210 | $ 20,000 |
| Ann Arbor, MI | 55 | $ 10,111,000 | $ 183,836 | $ 49,000 |
| Lake County-Kenosha County, IL-WI | 44 | $ 9,460,000 | $ 215,000 | $ 0 |
| Jacksonville, FL | 43 | $ 8,079,000 | $ 187,883 | $ 104,000 |
| Naples-Marco Island, FL | 30 | $ 10,317,000 | $ 343,900 | $ 141,000 |
| Monroe, MI | 29 | $ 5,211,000 | $ 179,689 | $ 91,000 |
| Cape Coral-Fort Myers, FL | 28 | $ 6,612,000 | $ 236,142 | $ 112,000 |
| Phoenix-Mesa-Scottsdale, AZ | 21 | $ 5,400,000 | $ 257,142 | $ 25,000 |
| Tampa-St. Petersburg-Clearwater, FL | 21 | $ 4,673,000 | $ 222,523 | $ 165,000 |
| Kalamazoo-Portage, MI | 15 | $ 1,850,000 | $ 123,333 | $ 66,000 |
| Battle Creek, MI | 14 | $ 1,594,000 | $ 113,857 | $ 48,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 3,845,000 | $ 274,642 | $ 199,000 |
| Orlando, FL | 14 | $ 3,013,000 | $ 215,214 | $ 148,000 |
| Saginaw-Saginaw Township North, MI | 14 | $ 1,898,000 | $ 135,571 | $ 50,000 |
| Sarasota-Bradenton-Venice, FL | 12 | $ 3,950,000 | $ 329,166 | $ 161,000 |
| Las Vegas-Paradise, NV | 11 | $ 3,700,000 | $ 336,363 | $ 220,000 |
| Muskegon-Norton Shores, MI | 11 | $ 803,000 | $ 73,000 | $ 61,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 11 | $ 3,769,000 | $ 342,636 | $ 71,000 |
| Charlotte-Gastonia-Concord, NC-SC | 10 | $ 1,437,000 | $ 143,700 | $ 96,000 |
| Pittsburgh, PA | 10 | $ 1,309,000 | $ 130,900 | $ 87,000 |
| Sandusky, OH | 10 | $ 1,327,000 | $ 132,700 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 1,642,000 | $ 205,250 | $ 88,000 |
| Fort Wayne, IN | 8 | $ 1,509,000 | $ 188,625 | $ 0 |
| Indianapolis, IN | 8 | $ 1,708,000 | $ 213,500 | $ 33,000 |
| Niles-Benton Harbor, MI | 7 | $ 1,468,000 | $ 209,714 | $ 23,000 |
| Rockford, IL | 7 | $ 832,000 | $ 118,857 | $ 0 |
| Albuquerque, NM | 6 | $ 664,000 | $ 110,666 | $ 0 |
| Boston-Quincy, MA | 5 | $ 1,378,000 | $ 275,600 | $ 0 |
| Denver-Aurora, CO | 5 | $ 942,000 | $ 188,400 | $ 32,000 |
| Kankakee-Bradley, IL | 5 | $ 751,000 | $ 150,200 | $ 0 |
| Knoxville, TN | 5 | $ 902,000 | $ 180,400 | $ 0 |
| Mansfield, OH | 5 | $ 884,000 | $ 176,800 | $ 45,000 |
| St. Louis, MO-IL | 5 | $ 771,000 | $ 154,200 | $ 106,000 |
| Champaign-Urbana, IL | 4 | $ 439,000 | $ 109,750 | $ 0 |
| Lakeland, FL | 4 | $ 391,000 | $ 97,750 | $ 168,000 |
| Louisville, KY-IN | 4 | $ 707,000 | $ 176,750 | $ 31,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,170,000 | $ 292,500 | $ 96,000 |
| Philadelphia, PA | 4 | $ 911,000 | $ 227,750 | $ 112,000 |
| Tucson, AZ | 4 | $ 807,000 | $ 201,750 | $ 85,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,174,000 | $ 293,500 | $ 43,000 |
| Charleston-North Charleston, SC | 3 | $ 1,308,000 | $ 436,000 | $ 430,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,154,000 | $ 384,666 | $ 95,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 1,350,000 | $ 450,000 | $ 163,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 799,000 | $ 266,333 | $ 223,000 |
| Punta Gorda, FL | 3 | $ 821,000 | $ 273,666 | $ 48,000 |
| Raleigh-Cary, NC | 3 | $ 761,000 | $ 253,666 | $ 798,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 336,000 | $ 112,000 | $ 51,000 |
| Wilmington, NC | 3 | $ 853,000 | $ 284,333 | $ 14,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 459,000 | $ 229,500 | $ 101,000 |
| Asheville, NC | 2 | $ 230,000 | $ 115,000 | $ 13,000 |
| Baltimore-Towson, MD | 2 | $ 875,000 | $ 437,500 | $ 0 |
| Bay City, MI | 2 | $ 320,000 | $ 160,000 | $ 43,000 |
| Burlington, NC | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Camden, NJ | 2 | $ 523,000 | $ 261,500 | $ 66,000 |
| Chattanooga, TN-GA | 2 | $ 317,000 | $ 158,500 | $ 57,000 |
| Elizabethtown, KY | 2 | $ 278,000 | $ 139,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 451,000 | $ 225,500 | $ 104,000 |
| Greenville, NC | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Harrisburg-Carlisle, PA | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Lexington-Fayette, KY | 2 | $ 420,000 | $ 210,000 | $ 80,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 586,000 | $ 293,000 | $ 150,000 |
| Michigan City-La Porte, IN | 2 | $ 362,000 | $ 181,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 127,000 | $ 63,500 | $ 82,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 348,000 | $ 174,000 | $ 101,000 |
| Ocean City, NJ | 2 | $ 1,979,000 | $ 989,500 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 357,000 | $ 178,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 325,000 | $ 162,500 | $ 71,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 156,000 | $ 78,000 | $ 31,000 |
| Racine, WI | 2 | $ 189,000 | $ 94,500 | $ 0 |
| Richmond, VA | 2 | $ 208,000 | $ 104,000 | $ 60,000 |
| Salt Lake City, UT | 2 | $ 405,000 | $ 202,500 | $ 0 |
| Santa Rosa-Petaluma, CA | 2 | $ 743,000 | $ 371,500 | $ 145,000 |
| Tulsa, OK | 2 | $ 171,000 | $ 85,500 | $ 0 |
| Utica-Rome, NY | 2 | $ 151,000 | $ 75,500 | $ 85,000 |
| Albany, GA | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 11,000 | $ 11,000 | $ 120,000 |
| Anderson, SC | 1 | $ 50,000 | $ 50,000 | $ 45,000 |
| Atlantic City, NJ | 1 | $ 1,000,000 | $ 1,000,000 | $ 213,000 |
| Boise City-Nampa, ID | 1 | $ 232,000 | $ 232,000 | $ 71,000 |
| Charlottesville, VA | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Des Moines, IA | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Edison, NJ | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Green Bay, WI | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 110,000 | $ 110,000 | $ 69,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 329,000 | $ 329,000 | $ 0 |
| Janesville, WI | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lancaster, PA | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Las Cruces, NM | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 650,000 | $ 650,000 | $ 240,000 |
| Montgomery, AL | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 171,000 | $ 171,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 163,000 | $ 163,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Newark-Union, NJ-PA | 1 | $ 315,000 | $ 315,000 | $ 193,000 |
| Ocala, FL | 1 | $ 76,000 | $ 76,000 | $ 57,000 |
| Panama City-Lynn Haven, FL | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Peoria, IL | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Rochester, NY | 1 | $ 196,000 | $ 196,000 | $ 107,000 |
| Rome, GA | 1 | $ 170,000 | $ 170,000 | $ 89,000 |
| Salem, OR | 1 | $ 207,000 | $ 207,000 | $ 38,000 |
| San Antonio, TX | 1 | $ 252,000 | $ 252,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 466,000 | $ 466,000 | $ 120,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 369,000 | $ 369,000 | $ 268,000 |
| Springfield, OH | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| St. Joseph, MO-KS | 1 | $ 92,000 | $ 92,000 | $ 27,000 |
| Tyler, TX | 1 | $ 74,000 | $ 74,000 | $ 49,000 |
| Vero Beach, FL | 1 | $ 127,000 | $ 127,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for First Place Bank in 2005
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 | 7,922 | $1,189,107,000 | $201,552 | $1,828,000 | $61,000 | $6,513,000 |
| Refinancing | 3,156 | $501,646,000 | $251,571 | $3,010,000 | $91,857 | $2,176,000 |
| Home Improvement | 191 | $23,208,000 | $294,750 | $2,430,000 | $106,750 | $256,000 |
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 | 10,227 | $1,527,322,000 | $213,405 | $3,010,000 | $62,297 | $2,858,000 |
| Black or African American | 363 | $46,502,000 | $111,555 | $999,000 | $42,444 | $391,000 |
| Hispanic | 203 | $30,824,000 | $160,454 | $1,536,000 | $77,909 | $4,435,000 |
| Asian | 193 | $40,645,000 | $237,666 | $1,000,000 | $38,444 | $600,000 |
| Not Provided | 145 | $36,575,000 | $329,166 | $1,596,000 | $729,833 | $6,513,000 |
| Not applicable | 117 | $28,874,000 | $237,666 | $2,430,000 | $35,666 | $700,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,720,000 | $166,333 | $416,000 | $43,333 | $158,000 |
| American Indian or Alaskan Native | 10 | $1,499,000 | $189,000 | $293,000 | $46,666 | $184,000 |
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) | 11,012 | $1,684,230,000 | $207,763 | $3,010,000 | $62,447 | $6,513,000 |
| FHA-insured (Federal Housing Administration) | 209 | $23,399,000 | $175,600 | $472,000 | $52,200 | $190,000 |
| VA-guaranteed (Veterans Administration) | 48 | $6,332,000 | $123,000 | $245,000 | $50,000 | $136,000 |
| 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 | 7,380 | $1,105,405,000 | $212,000 | $3,010,000 | $138,750 | $6,513,000 |
| Loan Purchased By The Institution | 2,184 | $366,251,000 | $228,620 | $1,329,000 | $0 | $0 |
| Application Withdrawn By Applicant | 929 | $140,014,000 | $219,166 | $1,740,000 | $92,055 | $1,680,000 |
| Application Approved But Not Accepted | 362 | $51,151,000 | $257,400 | $1,463,000 | $144,600 | $558,000 |
| Application Denied By Financial Institution | 236 | $29,273,000 | $131,200 | $951,000 | $37,400 | $270,000 |
| Preapproval Approved but not Accepted | 178 | $21,867,000 | $122,000 | $520,000 | $37,000 | $172,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $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 History | 66 | $7,079,000 | $120,000 | $560,000 | $47,333 | $270,000 |
| Debt-To-Income Ratio | 55 | $7,363,000 | $108,500 | $836,000 | $32,500 | $142,000 |
| Credit Application Incomplete | 41 | $5,768,000 | $154,333 | $717,000 | $57,666 | $259,000 |
| Collateral | 37 | $5,192,000 | $190,000 | $951,000 | $45,333 | $223,000 |
| Other | 18 | $1,266,000 | $164,333 | $340,000 | $28,666 | $64,000 |
| Unverifiable Information | 8 | $1,460,000 | $192,500 | $794,000 | $21,500 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $378,000 | $64,666 | $131,000 | $53,666 | $85,000 |
| Employment History | 4 | $473,000 | $136,500 | $174,000 | $62,000 | $81,000 |
| Mortgage Insurance Denied | 2 | $294,000 | $147,000 | $190,000 | $99,000 | $198,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Place Bank's 2005 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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