First Place Bank Mortgage Lending & HMDA Data, 2011
In 2011, First Place Bank of Warren, OH reported 15,011 mortgage applications totaling $3.0 billion. The average application was for $201,527, and applicants reported an average income of $113,100. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (1,926), Cleveland-Elyria-Mentor, OH (1,679) and Youngstown-Warren-Boardman, OH-PA (1,109) (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 | 15,011 |
| Total Mortgage Loan Application Amount | $3,025,133,000 |
| Average Mortgage Loan Application Amount | $201,527 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $113,100 |
| Highest Applicant Income | $4,003,000 |
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Act (HMDA) records First Place Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 1,926 | $ 370,917,000 | $ 192,584 | $ 115,714 |
| Cleveland-Elyria-Mentor, OH | 1,679 | $ 289,056,000 | $ 172,159 | $ 110,000 |
| Youngstown-Warren-Boardman, OH-PA | 1,109 | $ 147,609,000 | $ 133,100 | $ 80,000 |
| Columbus, OH | 939 | $ 203,429,000 | $ 216,644 | $ 124,000 |
| Indianapolis-Carmel, IN | 902 | $ 195,387,000 | $ 216,615 | $ 110,000 |
| Warren-Troy-Farmington Hills, MI | 901 | $ 196,848,000 | $ 218,477 | $ 116,000 |
| Holland-Grand Haven, MI | 493 | $ 72,945,000 | $ 147,961 | $ 77,000 |
| Grand Rapids-Wyoming, MI | 487 | $ 72,475,000 | $ 148,819 | $ 101,000 |
| Toledo, OH | 487 | $ 81,979,000 | $ 168,334 | $ 104,000 |
| Akron, OH | 445 | $ 83,168,000 | $ 186,894 | $ 107,000 |
| Bethesda-Rockville-Frederick, MD | 437 | $ 170,654,000 | $ 390,512 | $ 176,000 |
| Dayton, OH | 424 | $ 92,238,000 | $ 217,542 | $ 144,000 |
| Chicago-Joliet-Naperville, IL | 362 | $ 85,794,000 | $ 237,000 | $ 61,000 |
| Flint, MI | 359 | $ 48,239,000 | $ 134,370 | $ 87,000 |
| Detroit-Livonia-Dearborn, MI | 354 | $ 64,258,000 | $ 181,519 | $ 100,000 |
| Rockingham County-Strafford County, NH | 303 | $ 74,745,000 | $ 246,683 | $ 134,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 259 | $ 104,687,000 | $ 404,196 | $ 189,428 |
| Baltimore-Towson, MD | 165 | $ 53,457,000 | $ 323,981 | $ 167,000 |
| Philadelphia, PA | 150 | $ 35,063,000 | $ 233,753 | $ 112,000 |
| Ann Arbor, MI | 149 | $ 29,348,000 | $ 196,966 | $ 78,000 |
| Boston-Quincy, MA | 147 | $ 41,745,000 | $ 283,979 | $ 131,000 |
| Cambridge-Newton-Framingham, MA | 137 | $ 41,966,000 | $ 306,321 | $ 148,000 |
| Canton-Massillon, OH | 120 | $ 18,158,000 | $ 151,316 | $ 67,000 |
| Jackson, MI | 116 | $ 15,614,000 | $ 134,603 | $ 88,000 |
| Portland-South Portland-Biddeford, ME | 106 | $ 25,129,000 | $ 237,066 | $ 138,000 |
| Lansing-East Lansing, MI | 101 | $ 13,847,000 | $ 137,099 | $ 68,000 |
| Springfield, MA | 80 | $ 17,472,000 | $ 218,400 | $ 120,000 |
| Worcester, MA | 75 | $ 19,837,000 | $ 264,493 | $ 139,000 |
| Peabody, MA | 65 | $ 17,721,000 | $ 272,630 | $ 126,000 |
| Manchester-Nashua, NH | 63 | $ 14,583,000 | $ 231,476 | $ 140,000 |
| Monroe, MI | 44 | $ 7,652,000 | $ 173,909 | $ 128,000 |
| Jacksonville, FL | 41 | $ 10,114,000 | $ 246,682 | $ 147,000 |
| Hartford-West Hartford-East Hartford, CT | 26 | $ 5,114,000 | $ 196,692 | $ 122,000 |
| Edison-New Brunswick, NJ | 25 | $ 7,375,000 | $ 295,000 | $ 135,000 |
| Lake County-Kenosha County, IL-WI | 24 | $ 6,876,000 | $ 286,500 | $ 81,541 |
| Cape Coral-Fort Myers, FL | 22 | $ 4,241,000 | $ 192,772 | $ 142,000 |
| Sandusky, OH | 22 | $ 3,379,000 | $ 153,590 | $ 111,000 |
| Kalamazoo-Portage, MI | 21 | $ 3,783,000 | $ 180,142 | $ 117,000 |
| Muskegon-Norton Shores, MI | 21 | $ 4,376,000 | $ 208,380 | $ 209,000 |
| Pittsburgh, PA | 20 | $ 4,104,000 | $ 205,200 | $ 132,000 |
| Anderson, IN | 19 | $ 3,599,000 | $ 189,421 | $ 92,000 |
| Kokomo, IN | 18 | $ 1,993,000 | $ 110,722 | $ 40,000 |
| Barnstable Town, MA | 15 | $ 3,402,000 | $ 226,800 | $ 189,000 |
| Charleston-North Charleston-Summerville, SC | 15 | $ 4,669,000 | $ 311,266 | $ 112,000 |
| Lafayette, IN | 15 | $ 1,878,000 | $ 125,200 | $ 72,000 |
| New York-White Plains-Wayne, NY-NJ | 15 | $ 4,743,000 | $ 316,200 | $ 114,000 |
| Bloomington, IN | 14 | $ 4,172,000 | $ 298,000 | $ 129,000 |
| Gary, IN | 14 | $ 2,105,000 | $ 150,357 | $ 71,000 |
| Naples-Marco Island, FL | 14 | $ 4,962,000 | $ 354,428 | $ 435,000 |
| Newark-Union, NJ-PA | 14 | $ 3,664,000 | $ 261,714 | $ 132,000 |
| Saginaw-Saginaw Township North, MI | 14 | $ 2,769,000 | $ 197,785 | $ 122,000 |
| Louisville-Jefferson County, KY-IN | 12 | $ 2,180,000 | $ 181,666 | $ 76,750 |
| North Port-Bradenton-Sarasota, FL | 11 | $ 2,036,000 | $ 185,090 | $ 133,000 |
| Providence-New Bedford-Fall River, RI-MA | 11 | $ 2,461,000 | $ 223,727 | $ 111,272 |
| Battle Creek, MI | 9 | $ 1,302,000 | $ 144,666 | $ 80,000 |
| Columbia, SC | 9 | $ 2,532,000 | $ 281,333 | $ 117,000 |
| Durham-Chapel Hill, NC | 9 | $ 2,322,000 | $ 258,000 | $ 150,000 |
| Phoenix-Mesa-Glendale, AZ | 9 | $ 1,969,000 | $ 218,777 | $ 134,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 2,812,000 | $ 351,500 | $ 406,000 |
| Denver-Aurora-Broomfield, CO | 8 | $ 2,471,000 | $ 308,875 | $ 224,000 |
| Fort Wayne, IN | 8 | $ 1,023,000 | $ 127,875 | $ 60,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 2,138,000 | $ 267,250 | $ 98,000 |
| Harrisburg-Carlisle, PA | 7 | $ 1,758,000 | $ 251,142 | $ 193,000 |
| Camden, NJ | 6 | $ 1,492,000 | $ 248,666 | $ 157,000 |
| Wheeling, WV-OH | 6 | $ 1,145,000 | $ 190,833 | $ 72,500 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 965,000 | $ 193,000 | $ 105,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 1,131,000 | $ 226,200 | $ 104,000 |
| Niles-Benton Harbor, MI | 5 | $ 1,047,000 | $ 209,400 | $ 150,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 813,000 | $ 162,600 | $ 216,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 936,000 | $ 187,200 | $ 97,000 |
| Springfield, OH | 5 | $ 1,111,000 | $ 222,200 | $ 255,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,312,000 | $ 262,400 | $ 138,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 794,000 | $ 158,800 | $ 287,000 |
| Bay City, MI | 4 | $ 585,000 | $ 146,250 | $ 79,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 4 | $ 935,000 | $ 233,750 | $ 82,000 |
| Columbus, IN | 4 | $ 1,024,000 | $ 256,000 | $ 134,000 |
| Greensboro-High Point, NC | 4 | $ 1,045,000 | $ 261,250 | $ 96,000 |
| Lakeland-Winter Haven, FL | 4 | $ 733,000 | $ 183,250 | $ 109,000 |
| Lewiston-Auburn, ME | 4 | $ 806,000 | $ 201,500 | $ 83,000 |
| Punta Gorda, FL | 4 | $ 246,000 | $ 61,500 | $ 51,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 922,000 | $ 307,333 | $ 117,333 |
| Elkhart-Goshen, IN | 3 | $ 479,000 | $ 159,666 | $ 98,000 |
| Lafayette, LA | 3 | $ 711,000 | $ 237,000 | $ 108,000 |
| Las Vegas-Paradise, NV | 3 | $ 594,000 | $ 198,000 | $ 63,000 |
| Lexington-Fayette, KY | 3 | $ 724,000 | $ 241,333 | $ 71,000 |
| Muncie, IN | 3 | $ 658,000 | $ 219,333 | $ 172,000 |
| Norwich-New London, CT | 3 | $ 572,000 | $ 190,666 | $ 95,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 458,000 | $ 152,666 | $ 141,666 |
| St. Louis, MO-IL | 3 | $ 842,000 | $ 280,666 | $ 310,000 |
| York-Hanover, PA | 3 | $ 771,000 | $ 257,000 | $ 124,000 |
| Asheville, NC | 2 | $ 245,000 | $ 122,500 | $ 83,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 648,000 | $ 324,000 | $ 576,000 |
| Baton Rouge, LA | 2 | $ 575,000 | $ 287,500 | $ 227,000 |
| Burlington, NC | 2 | $ 322,000 | $ 161,000 | $ 116,000 |
| Charleston, WV | 2 | $ 495,000 | $ 247,500 | $ 144,000 |
| Colorado Springs, CO | 2 | $ 477,000 | $ 238,500 | $ 100,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 564,000 | $ 282,000 | $ 80,000 |
| Evansville, IN-KY | 2 | $ 72,000 | $ 36,000 | $ 97,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 460,000 | $ 230,000 | $ 86,000 |
| Johnstown, PA | 2 | $ 626,000 | $ 313,000 | $ 346,000 |
| Lake Charles, LA | 2 | $ 539,000 | $ 269,500 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 593,000 | $ 296,500 | $ 172,000 |
| Morgantown, WV | 2 | $ 343,000 | $ 171,500 | $ 275,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 406,000 | $ 203,000 | $ 195,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 155,000 | $ 77,500 | $ 108,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 297,000 | $ 148,500 | $ 42,000 |
| Raleigh-Cary, NC | 2 | $ 370,000 | $ 185,000 | $ 51,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 184,000 | $ 92,000 | $ 140,000 |
| Tucson, AZ | 2 | $ 219,000 | $ 109,500 | $ 96,000 |
| Alexandria, LA | 1 | $ 246,000 | $ 246,000 | $ 82,000 |
| Boulder, CO | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Bowling Green, KY | 1 | $ 403,000 | $ 403,000 | $ 208,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 275,000 | $ 275,000 | $ 108,000 |
| Burlington-South Burlington, VT | 1 | $ 171,000 | $ 171,000 | $ 94,000 |
| Clarksville, TN-KY | 1 | $ 178,000 | $ 178,000 | $ 85,000 |
| Corpus Christi, TX | 1 | $ 119,000 | $ 119,000 | $ 33,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,294,000 | $ 1,294,000 | $ 616,000 |
| Dalton, GA | 1 | $ 119,000 | $ 119,000 | $ 66,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 367,000 | $ 367,000 | $ 279,000 |
| Dover, DE | 1 | $ 292,000 | $ 292,000 | $ 106,000 |
| Elizabethtown, KY | 1 | $ 214,000 | $ 214,000 | $ 75,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 208,000 | $ 208,000 | $ 155,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 241,000 | $ 241,000 | $ 80,000 |
| Huntsville, AL | 1 | $ 208,000 | $ 208,000 | $ 163,000 |
| Jackson, MS | 1 | $ 116,000 | $ 116,000 | $ 170,000 |
| Joplin, MO | 1 | $ 387,000 | $ 387,000 | $ 303,000 |
| Kansas City, MO-KS | 1 | $ 282,000 | $ 282,000 | $ 204,000 |
| Knoxville, TN | 1 | $ 417,000 | $ 417,000 | $ 141,000 |
| Lima, OH | 1 | $ 228,000 | $ 228,000 | $ 84,000 |
| Madison, WI | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 333,000 | $ 333,000 | $ 227,000 |
| Napa, CA | 1 | $ 380,000 | $ 380,000 | $ 157,000 |
| New Haven-Milford, CT | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 410,000 | $ 410,000 | $ 157,000 |
| Ocean City, NJ | 1 | $ 400,000 | $ 400,000 | $ 349,000 |
| Peoria, IL | 1 | $ 392,000 | $ 392,000 | $ 165,000 |
| Reading, PA | 1 | $ 194,000 | $ 194,000 | $ 93,000 |
| Rockford, IL | 1 | $ 178,000 | $ 178,000 | $ 82,000 |
| Salt Lake City, UT | 1 | $ 730,000 | $ 730,000 | $ 398,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 515,000 | $ 515,000 | $ 127,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 334,000 | $ 334,000 | $ 172,000 |
| Shreveport-Bossier City, LA | 1 | $ 330,000 | $ 330,000 | $ 75,000 |
| Spokane, WA | 1 | $ 388,000 | $ 388,000 | $ 131,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 354,000 | $ 354,000 | $ 228,000 |
| Syracuse, NY | 1 | $ 163,000 | $ 163,000 | $ 87,000 |
| Terre Haute, IN | 1 | $ 236,000 | $ 236,000 | $ 159,000 |
| Tulsa, OK | 1 | $ 131,000 | $ 131,000 | $ 170,000 |
| Wilmington, DE-MD-NJ | 1 | $ 185,000 | $ 185,000 | $ 169,000 |
Mortgage Loan Application Detail Totals for First Place Bank in 2011
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 | 7,908 | $1,717,393,000 | $217,000 | $1,832,000 | $125,000 | $4,003,000 |
| Home Purchase | 7,074 | $1,307,263,000 | $184,000 | $7,000,000 | $100,000 | $1,859,000 |
| Home Improvement | 29 | $477,000 | $16,000 | $110,000 | $64,000 | $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 | 13,521 | $2,687,251,000 | $198,000 | $2,000,000 | $113,000 | $2,970,000 |
| Asian | 507 | $122,000,000 | $240,000 | $986,000 | $120,000 | $1,183,000 |
| Not Provided | 352 | $90,517,000 | $257,000 | $730,000 | $136,000 | $594,000 |
| Black or African American | 317 | $50,036,000 | $157,000 | $691,000 | $109,000 | $4,003,000 |
| Hispanic | 260 | $48,148,000 | $185,000 | $718,000 | $98,000 | $936,000 |
| Not applicable | 22 | $20,376,000 | $926,000 | $7,000,000 | $3,000 | $28,000 |
| American Indian or Alaskan Native | 19 | $3,072,000 | $161,000 | $354,000 | $125,000 | $318,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,733,000 | $287,000 | $405,000 | $182,000 | $446,000 |
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) | 12,540 | $2,684,697,000 | $214,000 | $7,000,000 | $123,000 | $4,003,000 |
| FHA-insured (Federal Housing Administration) | 2,033 | $271,039,000 | $133,000 | $737,000 | $62,000 | $637,000 |
| VA-guaranteed (Veterans Administration) | 225 | $46,267,000 | $205,000 | $835,000 | $85,000 | $570,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 213 | $23,130,000 | $108,000 | $285,000 | $42,000 | $88,000 |
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 | 11,651 | $2,368,411,000 | $203,000 | $2,000,000 | $121,000 | $4,003,000 |
| Application Withdrawn By Applicant | 1,240 | $233,636,000 | $188,000 | $5,600,000 | $105,000 | $1,300,000 |
| Application Denied By Financial Institution | 1,172 | $205,528,000 | $175,000 | $1,625,000 | $95,000 | $1,652,000 |
| Loan Purchased By The Institution | 594 | $135,394,000 | $227,000 | $417,000 | $0 | $0 |
| Application Approved But Not Accepted | 354 | $82,164,000 | $232,000 | $7,000,000 | $116,000 | $734,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 344 | $62,164,000 | $180,000 | $1,000,000 | $113,000 | $1,338,000 |
| Credit Application Incomplete | 253 | $49,412,000 | $195,000 | $678,000 | $111,000 | $664,000 |
| Debt-To-Income Ratio | 211 | $39,590,000 | $187,000 | $1,625,000 | $64,000 | $274,000 |
| Other | 142 | $23,367,000 | $164,000 | $524,000 | $116,000 | $1,652,000 |
| Credit History | 133 | $17,948,000 | $134,000 | $500,000 | $62,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $2,817,000 | $108,000 | $417,000 | $66,000 | $305,000 |
| Mortgage Insurance Denied | 22 | $3,643,000 | $165,000 | $415,000 | $78,000 | $159,000 |
| Unverifiable Information | 21 | $3,951,000 | $188,000 | $512,000 | $91,000 | $300,000 |
| Employment History | 20 | $2,636,000 | $131,000 | $417,000 | $51,000 | $224,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Place Bank's 2011 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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