Firstmerit Bank Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Firstmerit Bank Na 2004 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 | Firstmerit Bank Na Iii Cascade Plaza - Cas46 Akron, OH 44308 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,061 |
| Total Mortgage Loan Application Amount | $201,700,000 |
| Average Mortgage Loan Application Amount | $104,578 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $97,368 |
| Highest Applicant Income | $1,936,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Firstmerit Bank Na. 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 Firstmerit Bank Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Firstmerit Bank Na'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 Firstmerit Bank Na serves its applicants.
Each category highlights the total number of mortgage applications processed by Firstmerit Bank Na, 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 Firstmerit Bank Na's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Summit County Ohio | 634 | $ 41,155,000 | $ 64,000 | $ 50,000 |
| Stark County Ohio | 385 | $ 28,289,000 | $ 73,000 | $ 52,000 |
| Medina County Ohio | 316 | $ 20,892,000 | $ 66,000 | $ 89,000 |
| Cuyahoga County Ohio | 249 | $ 20,214,000 | $ 81,000 | $ 61,000 |
| Lorain County Ohio | 224 | $ 13,918,000 | $ 62,000 | $ 48,000 |
| Wayne County Ohio | 194 | $ 11,575,000 | $ 59,000 | $ 69,000 |
| Lake County Ohio | 139 | $ 9,999,000 | $ 71,000 | $ 51,000 |
| Lawrence County Pennsylvania | 120 | $ 5,160,000 | $ 43,000 | $ 47,000 |
| Ashland County Ohio | 110 | $ 6,680,000 | $ 60,000 | $ 49,000 |
| Richland County Ohio | 110 | $ 6,138,000 | $ 55,000 | $ 49,000 |
| Ashtabula County Ohio | 82 | $ 3,736,000 | $ 45,000 | $ 56,000 |
| Portage County Ohio | 76 | $ 5,331,000 | $ 70,000 | $ 52,000 |
| Erie County Ohio | 40 | $ 2,531,000 | $ 63,000 | $ 62,000 |
| Knox County Ohio | 40 | $ 1,863,000 | $ 46,000 | $ 51,000 |
| Geauga County Ohio | 31 | $ 2,269,000 | $ 73,000 | $ 43,000 |
| Franklin County Ohio | 27 | $ 2,823,000 | $ 104,000 | $ 62,000 |
| Crawford County Ohio | 22 | $ 919,000 | $ 41,000 | $ 31,000 |
| Holmes County Ohio | 19 | $ 1,898,000 | $ 99,000 | $ 46,000 |
| Huron County Ohio | 17 | $ 874,000 | $ 51,000 | $ 47,000 |
| Carroll County Ohio | 16 | $ 1,441,000 | $ 90,000 | $ 63,000 |
| Madison County Ohio | 15 | $ 780,000 | $ 52,000 | $ 60,000 |
| Wood County Ohio | 14 | $ 892,000 | $ 63,000 | $ 57,000 |
| Tuscarawas County Ohio | 12 | $ 1,228,000 | $ 102,000 | $ 51,000 |
| Mahoning County Ohio | 10 | $ 744,000 | $ 74,000 | $ 60,000 |
| Delaware County Ohio | 8 | $ 667,000 | $ 83,000 | $ 78,000 |
| Lucas County Ohio | 8 | $ 842,000 | $ 105,000 | $ 84,000 |
| Trumbull County Ohio | 8 | $ 471,000 | $ 58,000 | $ 75,000 |
| Licking County Ohio | 6 | $ 215,000 | $ 35,000 | $ 70,000 |
| Seneca County Ohio | 6 | $ 99,000 | $ 16,000 | $ 77,000 |
| Butler County Pennsylvania | 6 | $ 763,000 | $ 127,000 | $ 135,000 |
| Clark County Ohio | 4 | $ 199,000 | $ 49,000 | $ 65,000 |
| Morrow County Ohio | 4 | $ 512,000 | $ 128,000 | $ 58,000 |
| Ottawa County Ohio | 4 | $ 266,000 | $ 66,000 | $ 57,000 |
| Union County Ohio | 4 | $ 178,000 | $ 44,000 | $ 65,000 |
| Champaign County Ohio | 3 | $ 81,000 | $ 27,000 | $ 62,000 |
| Columbiana County Ohio | 3 | $ 116,000 | $ 38,000 | $ 47,000 |
| Guernsey County Ohio | 3 | $ 246,000 | $ 82,000 | $ 107,000 |
| Brevard County Florida | 2 | $ 292,000 | $ 146,000 | $ 172,000 |
| Collier County Florida | 2 | $ 217,000 | $ 108,000 | $ 137,000 |
| Cook County Illinois | 2 | $ 372,000 | $ 186,000 | $ 95,000 |
| Oakland County Michigan | 2 | $ 339,000 | $ 169,000 | $ 143,000 |
| Coshocton County Ohio | 2 | $ 42,000 | $ 21,000 | $ 81,000 |
| Defiance County Ohio | 2 | $ 100,000 | $ 50,000 | $ 42,000 |
| Montgomery County Ohio | 2 | $ 259,000 | $ 129,000 | $ 0 |
| Pickaway County Ohio | 2 | $ 153,000 | $ 76,000 | $ 78,000 |
| Luzerne County Pennsylvania | 2 | $ 185,000 | $ 92,000 | $ 55,000 |
| Mercer County Pennsylvania | 2 | $ 92,000 | $ 46,000 | $ 89,000 |
| Greenville County South Carolina | 2 | $ 549,000 | $ 274,000 | $ 150,000 |
| Summit County Colorado | 1 | $ 177,000 | $ 177,000 | $ 316,000 |
| Manatee County Florida | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Marion County Florida | 1 | $ 20,000 | $ 20,000 | $ 63,000 |
| Nassau County Florida | 1 | $ 259,000 | $ 259,000 | $ 240,000 |
| Polk County Florida | 1 | $ 128,000 | $ 128,000 | $ 35,000 |
| Volusia County Florida | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Lenawee County Michigan | 1 | $ 253,000 | $ 253,000 | $ 142,000 |
| Anson County North Carolina | 1 | $ 2,000 | $ 2,000 | $ 48,000 |
| New Hanover County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Union County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 68,000 |
| Fairfield County Ohio | 1 | $ 46,000 | $ 46,000 | $ 84,000 |
| Hancock County Ohio | 1 | $ 139,000 | $ 139,000 | $ 66,000 |
| Harrison County Ohio | 1 | $ 154,000 | $ 154,000 | $ 366,000 |
| Logan County Ohio | 1 | $ 3,000 | $ 3,000 | $ 41,000 |
| Marion County Ohio | 1 | $ 13,000 | $ 13,000 | $ 74,000 |
| Noble County Ohio | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Washington County Ohio | 1 | $ 34,000 | $ 34,000 | $ 16,000 |
| Lane County Oregon | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 84,000 |
| Elk County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Greene County Pennsylvania | 1 | $ 23,000 | $ 23,000 | $ 47,000 |
| Washington County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Collin County Texas | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Tarrant County Texas | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| Pocahontas County West Virginia | 1 | $ 106,000 | $ 106,000 | $ 289,000 |
Mortgage Loan Application Detail Totals for Firstmerit Bank Na in 2004
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 | 1,171 | $88,773,000 | $107,750 | $880,000 | $123,625 | $761,000 |
| Refinancing | 949 | $96,430,000 | $135,875 | $1,500,000 | $91,500 | $1,936,000 |
| Home Improvement | 941 | $16,497,000 | $12,666 | $150,000 | $43,000 | $957,000 |
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 | 2,618 | $172,057,000 | $138,272 | $1,500,000 | $125,363 | $1,936,000 |
| Not Provided | 220 | $10,541,000 | $28,000 | $900,000 | $44,750 | $462,000 |
| Black or African American | 106 | $4,796,000 | $36,500 | $323,000 | $35,500 | $354,000 |
| Hispanic | 57 | $2,873,000 | $37,000 | $176,000 | $37,000 | $86,000 |
| Not applicable | 29 | $9,151,000 | $315,000 | $880,000 | $27,000 | $190,000 |
| Asian | 17 | $1,389,000 | $64,000 | $290,000 | $58,000 | $143,000 |
| American Indian or Alaskan Native | 10 | $343,000 | $34,000 | $71,000 | $139,000 | $957,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $550,000 | $137,000 | $144,000 | $106,000 | $132,000 |
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) | 3,061 | $201,700,000 | $126,636 | $1,500,000 | $119,000 | $1,936,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 Purchased By The Institution | 1,632 | $156,165,000 | $146,400 | $1,500,000 | $138,600 | $1,936,000 |
| Loan Originated | 766 | $28,616,000 | $55,666 | $880,000 | $41,333 | $957,000 |
| Application Denied By Financial Institution | 483 | $10,943,000 | $10,000 | $250,000 | $37,750 | $462,000 |
| Application Approved But Not Accepted | 179 | $5,686,000 | $29,000 | $150,000 | $55,000 | $300,000 |
| Application Withdrawn By Applicant | 1 | $290,000 | $290,000 | $290,000 | $62,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 370 | $7,060,000 | $10,666 | $195,000 | $41,333 | $222,000 |
| Debt-To-Income Ratio | 81 | $2,569,000 | $31,000 | $200,000 | $42,000 | $462,000 |
| Other | 21 | $924,000 | $25,000 | $250,000 | $42,000 | $250,000 |
| Collateral | 5 | $120,000 | $24,000 | $30,000 | $76,000 | $134,000 |
| Credit Application Incomplete | 5 | $218,000 | $43,000 | $100,000 | $66,000 | $165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $52,000 | $52,000 | $52,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Firstmerit Bank Na's 2004 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 Firstmerit Bank Na'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.