First Place Bank Mortgage Lending & HMDA Data, 2013

In 2013, First Place Bank of Warren, OH reported 14,634 mortgage applications totaling $3.1 billion, down 31% from 2012. The average application was for $211,889, and applicants reported an average income of $116,014. 70% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (2,272), Cleveland-Elyria-Mentor, OH (1,480) and Indianapolis-Carmel, IN (976) (applications in parentheses).

Mortgage Company & Address First Place Bank
185 East Market
Warren, OH 44481
Tel #: available with data download
Federal Regulator * available with data download
Years 2013  2012  2011  
Total Number of Mortgage Applications 14,634
Total Mortgage Loan Application Amount $3,100,798,000
Average Mortgage Loan Application Amount $211,889
Highest Mortgage Loan Application Amount $7,600,000
Average Applicant Income $116,014
Highest Applicant Income $5,244,000

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Act (HMDA) records First Place Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First Place Bank by Metropolitan Area in 2013

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Cincinnati-Middletown, OH-KY-IN 2,272 $ 437,478,000 $ 192,551 $ 117,558
Cleveland-Elyria-Mentor, OH 1,480 $ 250,763,000 $ 169,434 $ 104,000
Indianapolis-Carmel, IN 976 $ 218,545,000 $ 223,919 $ 116,000
Columbus, OH 801 $ 173,442,000 $ 216,531 $ 114,000
Grand Rapids-Wyoming, MI 680 $ 102,193,000 $ 150,283 $ 87,000
Rockingham County-Strafford County, NH 625 $ 154,467,000 $ 247,147 $ 125,000
Youngstown-Warren-Boardman, OH-PA 615 $ 83,388,000 $ 135,590 $ 75,074
Holland-Grand Haven, MI 593 $ 97,357,000 $ 164,177 $ 82,000
Warren-Troy-Farmington Hills, MI 568 $ 146,328,000 $ 257,619 $ 139,000
Toledo, OH 425 $ 84,216,000 $ 198,155 $ 108,000
Dayton, OH 424 $ 84,565,000 $ 199,445 $ 117,000
Bethesda-Rockville-Frederick, MD 423 $ 157,809,000 $ 373,070 $ 172,000
Akron, OH 399 $ 73,910,000 $ 185,238 $ 105,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 359 $ 138,016,000 $ 384,445 $ 172,470
Boston-Quincy, MA 318 $ 89,926,000 $ 282,786 $ 127,000
Flint, MI 318 $ 45,169,000 $ 142,040 $ 95,000
Cambridge-Newton-Framingham, MA 253 $ 74,477,000 $ 294,375 $ 141,000
Philadelphia, PA 229 $ 57,352,000 $ 250,445 $ 124,000
Baltimore-Towson, MD 179 $ 57,445,000 $ 320,921 $ 169,000
Detroit-Livonia-Dearborn, MI 170 $ 31,639,000 $ 186,111 $ 119,000
Peabody, MA 132 $ 35,391,000 $ 268,113 $ 117,000
Worcester, MA 127 $ 31,987,000 $ 251,866 $ 131,000
Ann Arbor, MI 122 $ 26,541,000 $ 217,549 $ 105,000
Jackson, MI 112 $ 17,321,000 $ 154,651 $ 95,000
Portland-South Portland-Biddeford, ME 100 $ 22,715,000 $ 227,150 $ 126,000
Manchester-Nashua, NH 91 $ 21,869,000 $ 240,318 $ 132,000
Canton-Massillon, OH 83 $ 16,238,000 $ 195,638 $ 99,000
Springfield, MA 65 $ 14,610,000 $ 224,769 $ 109,000
Jacksonville, FL 55 $ 11,392,000 $ 207,127 $ 118,000
Monroe, MI 54 $ 11,460,000 $ 212,222 $ 125,000
Chicago-Joliet-Naperville, IL 36 $ 9,302,000 $ 258,388 $ 149,000
Providence-New Bedford-Fall River, RI-MA 36 $ 9,638,000 $ 267,722 $ 138,444
Hartford-West Hartford-East Hartford, CT 33 $ 7,385,000 $ 223,787 $ 125,000
Barnstable Town, MA 32 $ 8,124,000 $ 253,875 $ 227,000
Lansing-East Lansing, MI 30 $ 4,860,000 $ 162,000 $ 86,000
Battle Creek, MI 25 $ 1,667,000 $ 66,680 $ 145,000
Charleston-North Charleston-Summerville, SC 22 $ 6,533,000 $ 296,954 $ 112,000
Sandusky, OH 21 $ 3,553,000 $ 169,190 $ 85,000
Bloomington, IN 20 $ 4,261,000 $ 213,050 $ 197,000
Naples-Marco Island, FL 19 $ 5,888,000 $ 309,894 $ 462,000
Cape Coral-Fort Myers, FL 17 $ 3,970,000 $ 233,529 $ 179,000
Kalamazoo-Portage, MI 15 $ 2,644,000 $ 176,266 $ 93,000
Springfield, OH 14 $ 2,814,000 $ 201,000 $ 194,000
Anderson, IN 13 $ 3,157,000 $ 242,846 $ 149,000
Muskegon-Norton Shores, MI 13 $ 1,884,000 $ 144,923 $ 78,000
Tampa-St. Petersburg-Clearwater, FL 13 $ 3,000,000 $ 230,769 $ 160,000
Louisville/Jefferson County, KY-IN 12 $ 2,217,000 $ 184,750 $ 87,000
Newark-Union, NJ-PA 12 $ 3,161,000 $ 263,416 $ 115,666
Pittsburgh, PA 12 $ 2,810,000 $ 234,166 $ 156,000
Charlotte-Gastonia-Rock Hill, NC-SC 11 $ 3,094,000 $ 281,272 $ 121,727
Atlanta-Sandy Springs-Marietta, GA 10 $ 2,611,000 $ 261,100 $ 132,000
Wheeling, WV-OH 9 $ 2,281,000 $ 253,444 $ 108,333
New York-White Plains-Wayne, NY-NJ 8 $ 2,055,000 $ 256,875 $ 86,000
North Port-Bradenton-Sarasota, FL 8 $ 1,669,000 $ 208,625 $ 142,000
Gary, IN 7 $ 945,000 $ 135,000 $ 75,000
Saginaw-Saginaw Township North, MI 7 $ 1,231,000 $ 175,857 $ 101,000
Bridgeport-Stamford-Norwalk, CT 6 $ 1,746,000 $ 291,000 $ 94,000
Lexington-Fayette, KY 6 $ 1,161,000 $ 193,500 $ 147,000
Niles-Benton Harbor, MI 6 $ 832,000 $ 138,666 $ 83,000
Phoenix-Mesa-Glendale, AZ 6 $ 1,599,000 $ 266,500 $ 79,000
Punta Gorda, FL 6 $ 1,193,000 $ 198,833 $ 150,000
Dallas-Plano-Irving, TX 5 $ 2,138,000 $ 427,600 $ 216,000
Denver-Aurora-Broomfield, CO 5 $ 1,386,000 $ 277,200 $ 121,000
Edison-New Brunswick, NJ 5 $ 1,350,000 $ 270,000 $ 109,000
Ocean City, NJ 5 $ 1,341,000 $ 268,200 $ 153,000
Virginia Beach-Norfolk-Newport News, VA-NC 5 $ 1,513,000 $ 302,600 $ 126,000
West Palm Beach-Boca Raton-Boynton Beach, FL 5 $ 823,000 $ 164,600 $ 132,000
Camden, NJ 4 $ 899,000 $ 224,750 $ 144,000
Kokomo, IN 4 $ 732,000 $ 183,000 $ 70,000
Lafayette, IN 4 $ 1,332,000 $ 333,000 $ 96,000
Lake County-Kenosha County, IL-WI 4 $ 961,000 $ 240,250 $ 101,000
Minneapolis-St. Paul-Bloomington, MN-WI 4 $ 999,000 $ 249,750 $ 160,000
Allentown-Bethlehem-Easton, PA-NJ 3 $ 469,000 $ 156,333 $ 97,000
Bangor, ME 3 $ 586,000 $ 195,333 $ 91,000
Crestview-Fort Walton Beach-Destin, FL 3 $ 1,018,000 $ 339,333 $ 350,000
Huntington-Ashland, WV-KY-OH 3 $ 591,000 $ 197,000 $ 84,666
Knoxville, TN 3 $ 878,000 $ 292,666 $ 267,000
Muncie, IN 3 $ 356,000 $ 118,666 $ 57,000
Nashville-Davidson--Murfreesboro--Franklin, TN 3 $ 1,080,000 $ 360,000 $ 107,000
New Haven-Milford, CT 3 $ 625,000 $ 208,333 $ 104,000
Norwich-New London, CT 3 $ 478,000 $ 159,333 $ 99,000
Orlando-Kissimmee-Sanford, FL 3 $ 591,000 $ 197,000 $ 113,000
Palm Bay-Melbourne-Titusville, FL 3 $ 612,000 $ 204,000 $ 129,000
Parkersburg-Marietta-Vienna, WV-OH 3 $ 577,000 $ 192,333 $ 83,000
Port St. Lucie, FL 3 $ 508,000 $ 169,333 $ 291,000
San Diego-Carlsbad-San Marcos, CA 3 $ 1,457,000 $ 485,666 $ 131,000
South Bend-Mishawaka, IN-MI 3 $ 463,000 $ 154,333 $ 56,666
St. Louis, MO-IL 3 $ 675,000 $ 225,000 $ 138,333
Terre Haute, IN 3 $ 196,000 $ 65,333 $ 81,000
Trenton-Ewing, NJ 3 $ 1,061,000 $ 353,666 $ 246,000
Atlantic City-Hammonton, NJ 2 $ 834,000 $ 417,000 $ 438,000
Charleston, WV 2 $ 330,000 $ 165,000 $ 64,000
Columbia, SC 2 $ 498,000 $ 249,000 $ 97,000
Des Moines-West Des Moines, IA 2 $ 302,000 $ 151,000 $ 243,000
Durham-Chapel Hill, NC 2 $ 643,000 $ 321,500 $ 94,000
Elizabethtown, KY 2 $ 456,000 $ 228,000 $ 102,000
Elkhart-Goshen, IN 2 $ 304,000 $ 152,000 $ 119,000
Evansville, IN-KY 2 $ 278,000 $ 139,000 $ 46,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 2 $ 358,000 $ 179,000 $ 102,000
Fort Wayne, IN 2 $ 249,000 $ 124,500 $ 79,000
Fort Worth-Arlington, TX 2 $ 680,000 $ 340,000 $ 390,000
Harrisburg-Carlisle, PA 2 $ 442,000 $ 221,000 $ 126,000
Jacksonville, NC 2 $ 434,000 $ 217,000 $ 121,000
Lewiston-Auburn, ME 2 $ 721,000 $ 360,500 $ 250,000
Lima, OH 2 $ 344,000 $ 172,000 $ 128,000
Miami-Miami Beach-Kendall, FL 2 $ 520,000 $ 260,000 $ 1,031,000
Oakland-Fremont-Hayward, CA 2 $ 724,000 $ 362,000 $ 72,000
Ocala, FL 2 $ 139,000 $ 69,500 $ 73,000
Pittsfield, MA 2 $ 605,000 $ 302,500 $ 605,000
Raleigh-Cary, NC 2 $ 385,000 $ 192,500 $ 52,000
Riverside-San Bernardino-Ontario, CA 2 $ 377,000 $ 188,500 $ 64,000
San Francisco-San Mateo-Redwood City, CA 2 $ 964,000 $ 482,000 $ 299,000
Shreveport-Bossier City, LA 2 $ 658,000 $ 329,000 $ 121,000
State College, PA 2 $ 274,000 $ 137,000 $ 217,000
Wilmington, NC 2 $ 467,000 $ 233,500 $ 117,000
Albuquerque, NM 1 $ 121,000 $ 121,000 $ 79,000
Asheville, NC 1 $ 130,000 $ 130,000 $ 93,000
Bay City, MI 1 $ 125,000 $ 125,000 $ 76,000
Bowling Green, KY 1 $ 277,000 $ 277,000 $ 120,000
Chattanooga, TN-GA 1 $ 408,000 $ 408,000 $ 100,000
Clarksville, TN-KY 1 $ 252,000 $ 252,000 $ 143,000
Colorado Springs, CO 1 $ 352,000 $ 352,000 $ 125,000
Columbus, IN 1 $ 238,000 $ 238,000 $ 102,000
Dalton, GA 1 $ 89,000 $ 89,000 $ 69,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 95,000 $ 95,000 $ 25,000
Gainesville, FL 1 $ 94,000 $ 94,000 $ 61,000
Glens Falls, NY 1 $ 338,000 $ 338,000 $ 223,000
Greensboro-High Point, NC 1 $ 384,000 $ 384,000 $ 221,000
Greenville-Mauldin-Easley, SC 1 $ 350,000 $ 350,000 $ 140,000
Hagerstown-Martinsburg, MD-WV 1 $ 200,000 $ 200,000 $ 376,000
Houma-Bayou Cane-Thibodaux, LA 1 $ 372,000 $ 372,000 $ 140,000
Huntsville, AL 1 $ 201,000 $ 201,000 $ 201,000
Kansas City, MO-KS 1 $ 133,000 $ 133,000 $ 80,000
Lawrence, KS 1 $ 1,760,000 $ 1,760,000 $ 0
Lebanon, PA 1 $ 262,000 $ 262,000 $ 67,000
Los Angeles-Long Beach-Glendale, CA 1 $ 426,000 $ 426,000 $ 232,000
Lynchburg, VA 1 $ 290,000 $ 290,000 $ 156,000
Madison, WI 1 $ 113,000 $ 113,000 $ 50,000
Mansfield, OH 1 $ 230,000 $ 230,000 $ 137,000
Milwaukee-Waukesha-West Allis, WI 1 $ 216,000 $ 216,000 $ 102,000
Myrtle Beach-North Myrtle Beach-Conway, SC 1 $ 273,000 $ 273,000 $ 337,000
Nassau-Suffolk, NY 1 $ 300,000 $ 300,000 $ 167,000
New Orleans-Metairie-Kenner, LA 1 $ 270,000 $ 270,000 $ 56,000
Owensboro, KY 1 $ 177,000 $ 177,000 $ 81,000
Palm Coast, FL 1 $ 275,000 $ 275,000 $ 96,000
Pascagoula, MS 1 $ 250,000 $ 250,000 $ 106,000
Peoria, IL 1 $ 62,000 $ 62,000 $ 150,000
Portland-Vancouver-Hillsboro, OR-WA 1 $ 100,000 $ 100,000 $ 102,000
Prescott, AZ 1 $ 284,000 $ 284,000 $ 129,000
Reading, PA 1 $ 198,000 $ 198,000 $ 99,000
Salinas, CA 1 $ 125,000 $ 125,000 $ 100,000
San Jose-Sunnyvale-Santa Clara, CA 1 $ 300,000 $ 300,000 $ 58,000
Santa Cruz-Watsonville, CA 1 $ 372,000 $ 372,000 $ 47,000
Sebastian-Vero Beach, FL 1 $ 350,000 $ 350,000 $ 236,000
Steubenville-Weirton, OH-WV 1 $ 359,000 $ 359,000 $ 228,000
Syracuse, NY 1 $ 113,000 $ 113,000 $ 76,000
Tucson, AZ 1 $ 156,000 $ 156,000 $ 63,000
Wilmington, DE-MD-NJ 1 $ 374,000 $ 374,000 $ 400,000
Winston-Salem, NC 1 $ 400,000 $ 400,000 $ 425,000
York-Hanover, PA 1 $ 45,000 $ 45,000 $ 140,000

Mortgage Loan Application Detail Totals for First Place Bank in 2013

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 7,883 $1,679,255,000 $213,000 $3,185,000 $112,000 $2,673,000
Refinancing 6,684 $1,407,374,000 $210,000 $7,600,000 $121,000 $5,244,000
Home Improvement 67 $14,169,000 $211,000 $1,760,000 $91,000 $296,000

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 13,219 $2,771,927,000 $209,000 $3,185,000 $115,000 $5,244,000
Asian 447 $107,107,000 $239,000 $934,000 $127,000 $612,000
Not Provided 388 $94,333,000 $243,000 $1,320,000 $137,000 $2,544,000
Black or African American 280 $53,708,000 $191,000 $720,000 $115,000 $2,673,000
Hispanic 241 $52,031,000 $215,000 $950,000 $120,000 $1,960,000
American Indian or Alaskan Native 24 $4,495,000 $187,000 $491,000 $93,000 $208,000
Native Hawaiian or Other Pacific Islander 19 $5,080,000 $267,000 $600,000 $126,000 $250,000
Not applicable 16 $12,117,000 $757,000 $7,600,000 $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) 12,987 $2,851,755,000 $219,000 $7,600,000 $122,000 $5,244,000
FHA-insured (Federal Housing Administration) 1,286 $182,213,000 $141,000 $595,000 $63,000 $1,176,000
VA-guaranteed (Veterans Administration) 198 $46,159,000 $233,000 $761,000 $91,000 $325,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 163 $20,671,000 $126,000 $286,000 $44,000 $99,000

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 10,278 $2,237,606,000 $217,000 $7,600,000 $121,000 $2,673,000
Application Withdrawn By Applicant 2,167 $433,771,000 $200,000 $1,760,000 $109,000 $2,544,000
Application Denied By Financial Institution 1,407 $252,070,000 $179,000 $3,185,000 $99,000 $1,960,000
Application Approved But Not Accepted 477 $108,632,000 $227,000 $820,000 $123,000 $996,000
Loan Purchased By The Institution 192 $47,334,000 $246,000 $417,000 $0 $0
File Closed For Incompleteness 113 $21,385,000 $189,000 $1,700,000 $163,000 $5,244,000
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
Credit Application Incomplete 408 $72,643,000 $178,000 $756,000 $104,000 $1,112,000
Collateral 285 $54,994,000 $192,000 $1,875,000 $123,000 $1,550,000
Credit History 267 $43,341,000 $162,000 $3,185,000 $77,000 $584,000
Debt-To-Income Ratio 209 $37,957,000 $181,000 $596,000 $65,000 $397,000
Other 144 $27,346,000 $189,000 $900,000 $131,000 $1,960,000
Unverifiable Information 39 $6,960,000 $178,000 $417,000 $105,000 $305,000
Insufficient Cash (Downpayment, Closing Cost) 23 $3,877,000 $168,000 $522,000 $78,000 $168,000
Employment History 22 $3,640,000 $165,000 $269,000 $59,000 $135,000
Mortgage Insurance Denied 10 $1,312,000 $131,000 $308,000 $86,000 $251,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Place Bank's 2013 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.
For a list of all lenders in Ohio, download the full spreadsheet with aggregated HMDA statistics today.

Download the Ohio Lender List