National Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, National Bank & Trust Company of Marietta, OH reported 41 mortgage applications totaling $4.0 million. The average application was for $96,756, and applicants reported an average income of $64,073. 59% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Cincinnati, OH-KY-IN (21), Columbus, OH (2) and Dayton, OH (1) (applications in parentheses).
| Mortgage Company & Address | National Bank & Trust Company 138 Putnam Street Marietta, OH 45750 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 |
| Total Number of Mortgage Applications | 41 |
| Total Mortgage Loan Application Amount | $3,967,000 |
| Average Mortgage Loan Application Amount | $96,756 |
| Highest Mortgage Loan Application Amount | $473,000 |
| Average Applicant Income | $64,073 |
| Highest Applicant Income | $191,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for National Bank & Trust Company in 2015
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 | 19 | $1,760,000 | $92,000 | $220,000 | $65,000 | $191,000 |
| Home Purchase | 16 | $2,071,000 | $129,000 | $473,000 | $66,000 | $133,000 |
| Home Improvement | 6 | $136,000 | $22,000 | $75,000 | $56,000 | $128,000 |
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 | 37 | $3,367,000 | $91,000 | $265,000 | $64,000 | $191,000 |
| Not Provided | 2 | $22,000 | $11,000 | $20,000 | $66,000 | $83,000 |
| Not applicable | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Asian | 1 | $473,000 | $473,000 | $473,000 | $133,000 | $133,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 40 | $3,921,000 | $98,000 | $473,000 | $65,000 | $191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $46,000 | $46,000 | $46,000 | $17,000 | $17,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 Originated | 24 | $2,563,000 | $106,000 | $265,000 | $72,000 | $191,000 |
| Application Denied By Financial Institution | 10 | $502,000 | $50,000 | $104,000 | $41,000 | $128,000 |
| Application Withdrawn By Applicant | 7 | $902,000 | $128,000 | $473,000 | $68,000 | $133,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6 | $283,000 | $47,000 | $73,000 | $26,000 | $70,000 |
| Debt-To-Income Ratio | 2 | $95,000 | $47,000 | $77,000 | $67,000 | $128,000 |
| Collateral | 2 | $124,000 | $62,000 | $104,000 | $63,000 | $83,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Bank & Trust Company's 2015 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 National Bank & Trust Company'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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