North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, North Side Bank & Trust Company of Cincinnati, OH reported 533 mortgage applications totaling $102.2 million, down 4% from 2024. The average application was for $191,716, and applicants reported an average income of $223,487. 81% of its applications resulted in an originated loan and 10% were denied. Its largest market was Cincinnati, OH-KY-IN (532).
| Mortgage Company & Address | North Side Bank & Trust Company 4125 Hamilton Ave Cincinnati, OH 45223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 533 |
| Total Mortgage Loan Application Amount | $102,185,000 |
| Average Mortgage Loan Application Amount | $191,716 |
| Highest Mortgage Loan Application Amount | $1,905,000 |
| Average Applicant Income | $223,487 |
| Highest Applicant Income | $1,950,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 North Side Bank & Trust Company in 2025
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 Improvement | 160 | $16,220,000 | $101,000 | $805,000 | $183,000 | $1,482,000 |
| Home Purchase | 155 | $40,875,000 | $263,000 | $1,605,000 | $242,000 | $1,708,000 |
| Refinancing | 125 | $30,855,000 | $246,000 | $1,905,000 | $249,000 | $1,950,000 |
| Other Purpose | 93 | $14,235,000 | $153,000 | $955,000 | $228,000 | $1,216,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 417 | $81,005,000 | $194,000 | $1,905,000 | $231,000 | $1,950,000 |
| Not Provided | 49 | $12,345,000 | $251,000 | $1,605,000 | $249,000 | $1,482,000 |
| Black or African American | 37 | $3,125,000 | $84,000 | $1,075,000 | $118,000 | $498,000 |
| Hispanic | 12 | $2,150,000 | $179,000 | $635,000 | $206,000 | $453,000 |
| Asian | 11 | $2,215,000 | $201,000 | $805,000 | $195,000 | $398,000 |
| Not applicable | 5 | $1,095,000 | $219,000 | $405,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $250,000 | $125,000 | $155,000 | $207,000 | $301,000 |
| 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) | 533 | $102,185,000 | $191,000 | $1,905,000 | $223,000 | $1,950,000 |
| 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 Originated | 434 | $87,660,000 | $201,000 | $1,905,000 | $235,000 | $1,950,000 |
| Application Denied By Financial Institution | 55 | $5,985,000 | $108,000 | $765,000 | $105,000 | $453,000 |
| Application Approved But Not Accepted | 31 | $5,725,000 | $184,000 | $665,000 | $248,000 | $868,000 |
| Application Withdrawn By Applicant | 7 | $1,285,000 | $183,000 | $275,000 | $149,000 | $321,000 |
| File Closed For Incompleteness | 6 | $1,530,000 | $255,000 | $725,000 | $469,000 | $1,117,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 478 | $96,200,000 | $201,000 | $1,905,000 | $237,000 | $1,950,000 |
| Debt-To-Income Ratio | 29 | $3,695,000 | $127,000 | $765,000 | $94,000 | $453,000 |
| Credit History | 16 | $900,000 | $56,000 | $205,000 | $97,000 | $223,000 |
| Collateral | 8 | $1,250,000 | $156,000 | $455,000 | $166,000 | $416,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Side Bank & Trust Company's 2025 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 North Side 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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