Insight Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Insight Bank 2008 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 | Insight Bank 150 W Wilson Bridge Rd Worthington, OH 43081 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 471 |
| Total Mortgage Loan Application Amount | $81,805,000 |
| Average Mortgage Loan Application Amount | $255,333 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $49,666 |
| Highest Applicant Income | $419,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Insight Bank. 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 Insight Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Insight Bank'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 Insight Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Insight Bank, 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 Insight Bank's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Ohio | 197 | $ 41,086,000 | $ 208,000 | $ 63,000 |
| Fairfield County Ohio | 81 | $ 10,577,000 | $ 130,000 | $ 52,000 |
| Clark County Kentucky | 25 | $ 3,159,000 | $ 126,000 | $ 50,000 |
| Delaware County Ohio | 19 | $ 7,236,000 | $ 380,000 | $ 80,000 |
| Licking County Ohio | 19 | $ 2,907,000 | $ 153,000 | $ 68,000 |
| Hocking County Ohio | 18 | $ 2,518,000 | $ 139,000 | $ 41,000 |
| Montgomery County Kentucky | 12 | $ 1,289,000 | $ 107,000 | $ 46,000 |
| Union County Ohio | 12 | $ 2,511,000 | $ 209,000 | $ 61,000 |
| Perry County Ohio | 11 | $ 978,000 | $ 88,000 | $ 38,000 |
| Pickaway County Ohio | 9 | $ 1,478,000 | $ 164,000 | $ 68,000 |
| Powell County Kentucky | 7 | $ 654,000 | $ 93,000 | $ 47,000 |
| Muskingum County Ohio | 5 | $ 895,000 | $ 179,000 | $ 55,000 |
| Champaign County Ohio | 4 | $ 504,000 | $ 126,000 | $ 90,000 |
| Summit County Ohio | 4 | $ 336,000 | $ 84,000 | $ 38,000 |
| Bath County Kentucky | 3 | $ 335,000 | $ 111,000 | $ 45,000 |
| Bourbon County Kentucky | 3 | $ 377,000 | $ 125,000 | $ 67,000 |
| Fayette County Kentucky | 3 | $ 453,000 | $ 151,000 | $ 49,000 |
| Athens County Ohio | 3 | $ 169,000 | $ 56,000 | $ 22,000 |
| Knox County Ohio | 3 | $ 430,000 | $ 143,000 | $ 64,000 |
| Madison County Ohio | 3 | $ 613,000 | $ 204,000 | $ 94,000 |
| Scott County Kentucky | 2 | $ 403,000 | $ 201,000 | $ 94,000 |
| Stark County Ohio | 2 | $ 155,000 | $ 77,000 | $ 37,000 |
| Vinton County Ohio | 2 | $ 84,000 | $ 42,000 | $ 18,000 |
| Alachua County Florida | 1 | $ 142,000 | $ 142,000 | $ 384,000 |
| Cook County Illinois | 1 | $ 168,000 | $ 168,000 | $ 45,000 |
| Knox County Kentucky | 1 | $ 119,000 | $ 119,000 | $ 57,000 |
| Laurel County Kentucky | 1 | $ 153,000 | $ 153,000 | $ 59,000 |
| Madison County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Martin County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 39,000 |
| Clark County Ohio | 1 | $ 68,000 | $ 68,000 | $ 31,000 |
| Clermont County Ohio | 1 | $ 112,000 | $ 112,000 | $ 62,000 |
| Clinton County Ohio | 1 | $ 104,000 | $ 104,000 | $ 43,000 |
| Coshocton County Ohio | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Fayette County Ohio | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Guernsey County Ohio | 1 | $ 114,000 | $ 114,000 | $ 27,000 |
| Hardin County Ohio | 1 | $ 30,000 | $ 30,000 | $ 21,000 |
| Huron County Ohio | 1 | $ 70,000 | $ 70,000 | $ 51,000 |
| Logan County Ohio | 1 | $ 97,000 | $ 97,000 | $ 60,000 |
| Marion County Ohio | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Meigs County Ohio | 1 | $ 180,000 | $ 180,000 | $ 8,000 |
| Noble County Ohio | 1 | $ 118,000 | $ 118,000 | $ 56,000 |
| Pike County Ohio | 1 | $ 80,000 | $ 80,000 | $ 82,000 |
| Ross County Ohio | 1 | $ 20,000 | $ 20,000 | $ 17,000 |
| Scioto County Ohio | 1 | $ 90,000 | $ 90,000 | $ 44,000 |
| Warren County Ohio | 1 | $ 268,000 | $ 268,000 | $ 85,000 |
| Crawford County Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 46,000 |
| Cumberland County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Insight Bank in 2008
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 | 306 | $48,070,000 | $157,000 | $2,160,000 | $59,000 | $400,000 |
| Refinancing | 160 | $31,674,000 | $197,000 | $3,000,000 | $60,000 | $419,000 |
| Home Improvement | 5 | $2,061,000 | $412,000 | $1,400,000 | $30,000 | $83,000 |
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 | 399 | $61,706,000 | $154,000 | $1,000,000 | $65,000 | $419,000 |
| Not applicable | 36 | $15,853,000 | $440,000 | $3,000,000 | $0 | $0 |
| Black or African American | 13 | $1,616,000 | $124,000 | $201,000 | $51,000 | $63,000 |
| Hispanic | 9 | $840,000 | $93,000 | $155,000 | $34,000 | $63,000 |
| Not Provided | 9 | $898,000 | $99,000 | $127,000 | $30,000 | $70,000 |
| Asian | 5 | $892,000 | $178,000 | $365,000 | $135,000 | $400,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 232 | $29,359,000 | $126,000 | $399,000 | $52,000 | $183,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 211 | $49,025,000 | $232,000 | $3,000,000 | $67,000 | $419,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,479,000 | $105,000 | $164,000 | $43,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,942,000 | $138,000 | $217,000 | $61,000 | $103,000 |
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 | 291 | $49,020,000 | $168,000 | $2,160,000 | $64,000 | $419,000 |
| Application Denied By Financial Institution | 91 | $15,416,000 | $169,000 | $1,400,000 | $41,000 | $169,000 |
| Application Withdrawn By Applicant | 56 | $8,939,000 | $159,000 | $417,000 | $68,000 | $215,000 |
| Application Approved But Not Accepted | 31 | $8,197,000 | $264,000 | $3,000,000 | $43,000 | $145,000 |
| File Closed For Incompleteness | 2 | $233,000 | $116,000 | $158,000 | $88,000 | $97,000 |
| Loan Purchased By The Institution | 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 | 30 | $4,532,000 | $151,000 | $1,400,000 | $38,000 | $95,000 |
| Collateral | 25 | $3,595,000 | $143,000 | $1,000,000 | $51,000 | $169,000 |
| Debt-To-Income Ratio | 12 | $1,584,000 | $132,000 | $286,000 | $36,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $101,000 | $101,000 | $101,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Insight Bank's 2008 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 Insight 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.