First Place Bank Mortgage Lending & HMDA Data, 2012
In 2012, First Place Bank of Warren, OH reported 21,357 mortgage applications totaling $4.6 billion, up 42% from 2011. The average application was for $213,861, and applicants reported an average income of $115,611. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (2,931), Cleveland-Elyria-Mentor, OH (2,097) and Youngstown-Warren-Boardman, OH-PA (1,191) (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 | 21,357 |
| Total Mortgage Loan Application Amount | $4,567,431,000 |
| Average Mortgage Loan Application Amount | $213,861 |
| Highest Mortgage Loan Application Amount | $7,600,000 |
| Average Applicant Income | $115,611 |
| Highest Applicant Income | $2,600,000 |
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Act (HMDA) records First Place Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,931 | $ 589,324,000 | $ 201,065 | $ 120,988 |
| Cleveland-Elyria-Mentor, OH | 2,097 | $ 367,433,000 | $ 175,218 | $ 108,000 |
| Youngstown-Warren-Boardman, OH-PA | 1,191 | $ 154,087,000 | $ 129,376 | $ 78,996 |
| Columbus, OH | 1,111 | $ 244,549,000 | $ 220,116 | $ 125,000 |
| Indianapolis-Carmel, IN | 1,047 | $ 229,456,000 | $ 219,155 | $ 119,000 |
| Warren-Troy-Farmington Hills, MI | 911 | $ 209,040,000 | $ 229,462 | $ 127,000 |
| Rockingham County-Strafford County, NH | 850 | $ 213,604,000 | $ 251,298 | $ 121,000 |
| Holland-Grand Haven, MI | 836 | $ 133,632,000 | $ 159,846 | $ 84,000 |
| Grand Rapids-Wyoming, MI | 821 | $ 125,586,000 | $ 152,967 | $ 108,000 |
| Boston-Quincy, MA | 739 | $ 220,236,000 | $ 298,018 | $ 126,000 |
| Bethesda-Rockville-Frederick, MD | 698 | $ 263,960,000 | $ 378,166 | $ 166,000 |
| Dayton, OH | 686 | $ 156,320,000 | $ 227,871 | $ 139,000 |
| Akron, OH | 678 | $ 124,713,000 | $ 183,942 | $ 103,000 |
| Toledo, OH | 562 | $ 102,830,000 | $ 182,971 | $ 106,000 |
| Flint, MI | 521 | $ 78,702,000 | $ 151,059 | $ 103,000 |
| Cambridge-Newton-Framingham, MA | 507 | $ 156,034,000 | $ 307,759 | $ 140,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 403 | $ 157,079,000 | $ 389,774 | $ 172,411 |
| Detroit-Livonia-Dearborn, MI | 281 | $ 50,225,000 | $ 178,736 | $ 113,000 |
| Ann Arbor, MI | 265 | $ 55,215,000 | $ 208,358 | $ 59,000 |
| Philadelphia, PA | 262 | $ 64,691,000 | $ 246,912 | $ 115,000 |
| Baltimore-Towson, MD | 238 | $ 74,938,000 | $ 314,865 | $ 140,000 |
| Peabody, MA | 210 | $ 56,990,000 | $ 271,380 | $ 120,000 |
| Worcester, MA | 196 | $ 49,348,000 | $ 251,775 | $ 132,000 |
| Jackson, MI | 175 | $ 25,344,000 | $ 144,822 | $ 81,000 |
| Manchester-Nashua, NH | 173 | $ 41,991,000 | $ 242,722 | $ 129,000 |
| Portland-South Portland-Biddeford, ME | 148 | $ 37,425,000 | $ 252,871 | $ 129,000 |
| Chicago-Joliet-Naperville, IL | 147 | $ 32,768,000 | $ 222,911 | $ 112,000 |
| Springfield, MA | 117 | $ 23,667,000 | $ 202,282 | $ 103,000 |
| Providence-New Bedford-Fall River, RI-MA | 106 | $ 26,617,000 | $ 251,103 | $ 85,962 |
| Canton-Massillon, OH | 96 | $ 18,459,000 | $ 192,281 | $ 86,000 |
| Jacksonville, FL | 87 | $ 18,197,000 | $ 209,160 | $ 122,000 |
| Monroe, MI | 84 | $ 16,683,000 | $ 198,607 | $ 106,000 |
| Barnstable Town, MA | 73 | $ 18,674,000 | $ 255,808 | $ 137,000 |
| Lansing-East Lansing, MI | 49 | $ 8,189,000 | $ 167,122 | $ 103,000 |
| Kalamazoo-Portage, MI | 44 | $ 7,337,000 | $ 166,750 | $ 116,000 |
| Cape Coral-Fort Myers, FL | 33 | $ 6,579,000 | $ 199,363 | $ 160,000 |
| Hartford-West Hartford-East Hartford, CT | 33 | $ 6,382,000 | $ 193,393 | $ 117,000 |
| Newark-Union, NJ-PA | 32 | $ 8,755,000 | $ 273,593 | $ 110,000 |
| Battle Creek, MI | 29 | $ 3,685,000 | $ 127,068 | $ 88,000 |
| Sandusky, OH | 28 | $ 4,883,000 | $ 174,392 | $ 138,000 |
| Naples-Marco Island, FL | 23 | $ 5,655,000 | $ 245,869 | $ 229,000 |
| Muskegon-Norton Shores, MI | 21 | $ 3,572,000 | $ 170,095 | $ 103,000 |
| Pittsburgh, PA | 20 | $ 4,252,000 | $ 212,600 | $ 107,000 |
| Bloomington, IN | 19 | $ 4,820,000 | $ 253,684 | $ 201,000 |
| Atlanta-Sandy Springs-Marietta, GA | 18 | $ 5,028,000 | $ 279,333 | $ 167,000 |
| Louisville/Jefferson County, KY-IN | 18 | $ 3,298,000 | $ 183,222 | $ 107,444 |
| North Port-Bradenton-Sarasota, FL | 18 | $ 4,063,000 | $ 225,722 | $ 165,000 |
| Charleston-North Charleston-Summerville, SC | 17 | $ 5,335,000 | $ 313,823 | $ 128,000 |
| Saginaw-Saginaw Township North, MI | 17 | $ 3,101,000 | $ 182,411 | $ 108,000 |
| Springfield, OH | 17 | $ 2,590,000 | $ 152,352 | $ 109,000 |
| Anderson, IN | 16 | $ 4,032,000 | $ 252,000 | $ 231,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 3,032,000 | $ 189,500 | $ 76,000 |
| Edison-New Brunswick, NJ | 15 | $ 4,187,000 | $ 279,133 | $ 127,000 |
| Phoenix-Mesa-Glendale, AZ | 15 | $ 2,619,000 | $ 174,600 | $ 103,000 |
| New York-White Plains-Wayne, NY-NJ | 13 | $ 3,344,000 | $ 257,230 | $ 116,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 13 | $ 2,636,000 | $ 202,769 | $ 225,000 |
| Wheeling, WV-OH | 13 | $ 2,598,000 | $ 199,846 | $ 81,692 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 10 | $ 2,831,000 | $ 283,100 | $ 161,000 |
| Lexington-Fayette, KY | 10 | $ 2,672,000 | $ 267,200 | $ 111,000 |
| Niles-Benton Harbor, MI | 10 | $ 2,255,000 | $ 225,500 | $ 188,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 1,776,000 | $ 197,333 | $ 84,000 |
| Punta Gorda, FL | 9 | $ 1,283,000 | $ 142,555 | $ 123,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 2,275,000 | $ 284,375 | $ 161,000 |
| Lake County-Kenosha County, IL-WI | 8 | $ 2,185,000 | $ 273,125 | $ 211,375 |
| Lima, OH | 8 | $ 1,604,000 | $ 200,500 | $ 150,000 |
| Gary, IN | 7 | $ 1,205,000 | $ 172,142 | $ 79,000 |
| Knoxville, TN | 7 | $ 1,693,000 | $ 241,857 | $ 76,000 |
| Ocean City, NJ | 7 | $ 2,107,000 | $ 301,000 | $ 170,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 3,327,000 | $ 475,285 | $ 185,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,371,000 | $ 195,857 | $ 148,714 |
| Columbia, SC | 6 | $ 1,296,000 | $ 216,000 | $ 144,000 |
| Raleigh-Cary, NC | 6 | $ 1,182,000 | $ 197,000 | $ 241,000 |
| Colorado Springs, CO | 5 | $ 1,124,000 | $ 224,800 | $ 99,000 |
| Kokomo, IN | 5 | $ 972,000 | $ 194,400 | $ 98,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,245,000 | $ 249,000 | $ 557,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,462,000 | $ 292,400 | $ 132,000 |
| New Haven-Milford, CT | 5 | $ 1,543,000 | $ 308,600 | $ 111,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 5 | $ 966,000 | $ 193,200 | $ 84,000 |
| St. Louis, MO-IL | 5 | $ 1,244,000 | $ 248,800 | $ 185,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,545,000 | $ 386,250 | $ 166,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,083,000 | $ 270,750 | $ 99,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 890,000 | $ 222,500 | $ 112,000 |
| Lafayette, IN | 4 | $ 515,000 | $ 128,750 | $ 48,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 915,000 | $ 305,000 | $ 149,000 |
| Camden, NJ | 3 | $ 792,000 | $ 264,000 | $ 101,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 445,000 | $ 148,333 | $ 122,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 716,000 | $ 238,666 | $ 128,000 |
| Durham-Chapel Hill, NC | 3 | $ 811,000 | $ 270,333 | $ 158,000 |
| Harrisburg-Carlisle, PA | 3 | $ 960,000 | $ 320,000 | $ 156,000 |
| Lafayette, LA | 3 | $ 844,000 | $ 281,333 | $ 163,000 |
| Lakeland-Winter Haven, FL | 3 | $ 288,000 | $ 96,000 | $ 65,000 |
| Mansfield, OH | 3 | $ 615,000 | $ 205,000 | $ 74,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 935,000 | $ 311,666 | $ 90,000 |
| Pittsfield, MA | 3 | $ 375,000 | $ 125,000 | $ 101,000 |
| Reading, PA | 3 | $ 673,000 | $ 224,333 | $ 113,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 496,000 | $ 248,000 | $ 119,000 |
| Charleston, WV | 2 | $ 551,000 | $ 275,500 | $ 96,000 |
| Chattanooga, TN-GA | 2 | $ 571,000 | $ 285,500 | $ 73,000 |
| Columbus, IN | 2 | $ 588,000 | $ 294,000 | $ 149,000 |
| Elkhart-Goshen, IN | 2 | $ 350,000 | $ 175,000 | $ 127,000 |
| Erie, PA | 2 | $ 417,000 | $ 208,500 | $ 102,000 |
| Fort Wayne, IN | 2 | $ 260,000 | $ 130,000 | $ 55,000 |
| Gainesville, FL | 2 | $ 290,000 | $ 145,000 | $ 94,000 |
| Madison, WI | 2 | $ 443,000 | $ 221,500 | $ 142,000 |
| Norwich-New London, CT | 2 | $ 315,000 | $ 157,500 | $ 92,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 136,000 | $ 68,000 | $ 73,000 |
| Reno-Sparks, NV | 2 | $ 363,000 | $ 181,500 | $ 111,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 854,000 | $ 427,000 | $ 160,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 360,000 | $ 180,000 | $ 99,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 399,000 | $ 199,500 | $ 139,000 |
| Terre Haute, IN | 2 | $ 374,000 | $ 187,000 | $ 95,000 |
| Trenton-Ewing, NJ | 2 | $ 579,000 | $ 289,500 | $ 141,000 |
| Wilmington, DE-MD-NJ | 2 | $ 1,510,000 | $ 755,000 | $ 283,000 |
| Albuquerque, NM | 1 | $ 310,000 | $ 310,000 | $ 134,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 125,000 | $ 125,000 | $ 159,000 |
| Anderson, SC | 1 | $ 338,000 | $ 338,000 | $ 137,000 |
| Asheville, NC | 1 | $ 169,000 | $ 169,000 | $ 133,000 |
| Bangor, ME | 1 | $ 96,000 | $ 96,000 | $ 112,000 |
| Baton Rouge, LA | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 139,000 | $ 139,000 | $ 260,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 152,000 | $ 152,000 | $ 134,000 |
| Burlington, NC | 1 | $ 129,000 | $ 129,000 | $ 127,000 |
| Burlington-South Burlington, VT | 1 | $ 249,000 | $ 249,000 | $ 192,000 |
| Cedar Rapids, IA | 1 | $ 166,000 | $ 166,000 | $ 52,000 |
| Charlottesville, VA | 1 | $ 239,000 | $ 239,000 | $ 319,000 |
| Cleveland, TN | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Corpus Christi, TX | 1 | $ 119,000 | $ 119,000 | $ 53,000 |
| Cumberland, MD-WV | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| El Paso, TX | 1 | $ 261,000 | $ 261,000 | $ 253,000 |
| Elizabethtown, KY | 1 | $ 317,000 | $ 317,000 | $ 300,000 |
| Eugene-Springfield, OR | 1 | $ 208,000 | $ 208,000 | $ 92,000 |
| Evansville, IN-KY | 1 | $ 297,000 | $ 297,000 | $ 114,000 |
| Fort Collins-Loveland, CO | 1 | $ 249,000 | $ 249,000 | $ 130,000 |
| Gainesville, GA | 1 | $ 252,000 | $ 252,000 | $ 203,000 |
| Greeley, CO | 1 | $ 222,000 | $ 222,000 | $ 120,000 |
| Green Bay, WI | 1 | $ 169,000 | $ 169,000 | $ 45,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 340,000 | $ 340,000 | $ 121,000 |
| Jacksonville, NC | 1 | $ 153,000 | $ 153,000 | $ 124,000 |
| Johnson City, TN | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Joplin, MO | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Kansas City, MO-KS | 1 | $ 160,000 | $ 160,000 | $ 36,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 415,000 | $ 415,000 | $ 261,000 |
| Lake Charles, LA | 1 | $ 242,000 | $ 242,000 | $ 96,000 |
| Las Vegas-Paradise, NV | 1 | $ 280,000 | $ 280,000 | $ 82,000 |
| Lebanon, PA | 1 | $ 157,000 | $ 157,000 | $ 59,000 |
| Lewiston-Auburn, ME | 1 | $ 134,000 | $ 134,000 | $ 43,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 236,000 | $ 236,000 | $ 517,000 |
| Memphis, TN-MS-AR | 1 | $ 220,000 | $ 220,000 | $ 100,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 325,000 | $ 325,000 | $ 180,000 |
| Muncie, IN | 1 | $ 144,000 | $ 144,000 | $ 706,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 182,000 | $ 182,000 | $ 125,000 |
| Ocala, FL | 1 | $ 54,000 | $ 54,000 | $ 136,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 219,000 | $ 219,000 | $ 120,000 |
| Owensboro, KY | 1 | $ 204,000 | $ 204,000 | $ 78,000 |
| Palm Coast, FL | 1 | $ 236,000 | $ 236,000 | $ 64,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 200,000 | $ 200,000 | $ 224,000 |
| Port St. Lucie, FL | 1 | $ 249,000 | $ 249,000 | $ 500,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 192,000 | $ 192,000 | $ 77,000 |
| Rapid City, SD | 1 | $ 100,000 | $ 100,000 | $ 185,000 |
| Roanoke, VA | 1 | $ 210,000 | $ 210,000 | $ 84,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 449,000 | $ 449,000 | $ 183,000 |
| Sebastian-Vero Beach, FL | 1 | $ 350,000 | $ 350,000 | $ 240,000 |
| Shreveport-Bossier City, LA | 1 | $ 150,000 | $ 150,000 | $ 131,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 43,000 | $ 43,000 | $ 33,000 |
| Stockton, CA | 1 | $ 200,000 | $ 200,000 | $ 49,000 |
| Sumter, SC | 1 | $ 315,000 | $ 315,000 | $ 119,000 |
| Wilmington, NC | 1 | $ 348,000 | $ 348,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for First Place Bank in 2012
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 | 13,118 | $2,926,898,000 | $223,000 | $7,600,000 | $121,000 | $2,600,000 |
| Home Purchase | 8,174 | $1,627,185,000 | $199,000 | $978,000 | $107,000 | $1,658,000 |
| Home Improvement | 65 | $13,348,000 | $205,000 | $417,000 | $111,000 | $478,000 |
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 | 19,481 | $4,120,315,000 | $211,000 | $1,040,000 | $115,000 | $2,600,000 |
| Asian | 611 | $153,902,000 | $251,000 | $940,000 | $142,000 | $1,243,000 |
| Not Provided | 489 | $127,059,000 | $259,000 | $975,000 | $129,000 | $888,000 |
| Black or African American | 375 | $68,663,000 | $183,000 | $731,000 | $95,000 | $783,000 |
| Hispanic | 338 | $72,456,000 | $214,000 | $868,000 | $124,000 | $945,000 |
| American Indian or Alaskan Native | 33 | $6,995,000 | $211,000 | $589,000 | $98,000 | $379,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $5,089,000 | $221,000 | $390,000 | $108,000 | $360,000 |
| Not applicable | 7 | $12,952,000 | $1,850,000 | $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) | 18,965 | $4,217,343,000 | $222,000 | $7,600,000 | $123,000 | $2,600,000 |
| FHA-insured (Federal Housing Administration) | 1,946 | $272,371,000 | $139,000 | $687,000 | $61,000 | $501,000 |
| VA-guaranteed (Veterans Administration) | 269 | $57,245,000 | $212,000 | $735,000 | $84,000 | $276,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 177 | $20,472,000 | $115,000 | $223,000 | $42,000 | $96,000 |
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 | 16,343 | $3,572,361,000 | $218,000 | $4,200,000 | $123,000 | $2,387,000 |
| Application Withdrawn By Applicant | 2,263 | $436,756,000 | $192,000 | $7,600,000 | $111,000 | $2,600,000 |
| Application Denied By Financial Institution | 1,709 | $313,541,000 | $183,000 | $1,040,000 | $93,000 | $960,000 |
| Loan Purchased By The Institution | 609 | $146,252,000 | $240,000 | $466,000 | $2,000 | $65,000 |
| Application Approved But Not Accepted | 431 | $98,447,000 | $228,000 | $638,000 | $115,000 | $1,102,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $29,000 | $29,000 |
| Preapproval Denied by Financial Institution | 1 | $59,000 | $59,000 | $59,000 | $32,000 | $32,000 |
| Preapproval Approved but not Accepted | 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 | 462 | $86,538,000 | $187,000 | $917,000 | $108,000 | $627,000 |
| Credit Application Incomplete | 453 | $86,976,000 | $192,000 | $900,000 | $106,000 | $705,000 |
| Debt-To-Income Ratio | 314 | $59,457,000 | $189,000 | $1,040,000 | $71,000 | $363,000 |
| Credit History | 199 | $26,634,000 | $133,000 | $434,000 | $66,000 | $960,000 |
| Other | 175 | $34,757,000 | $198,000 | $870,000 | $102,000 | $441,000 |
| Unverifiable Information | 40 | $8,067,000 | $201,000 | $625,000 | $85,000 | $287,000 |
| Mortgage Insurance Denied | 28 | $5,015,000 | $179,000 | $735,000 | $88,000 | $185,000 |
| Employment History | 20 | $2,691,000 | $134,000 | $332,000 | $40,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $3,465,000 | $182,000 | $893,000 | $92,000 | $588,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Place Bank's 2012 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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