North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, North Side Bank & Trust Company of Cincinnati, OH reported 309 mortgage applications totaling $17.7 million, down 41% from 2003. The average application was for $57,126, and applicants reported an average income of $85,815. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (191), Dayton, OH (44) and Louisville, KY-IN (33) (applications in parentheses).
| 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 | 309 |
| Total Mortgage Loan Application Amount | $17,652,000 |
| Average Mortgage Loan Application Amount | $57,126 |
| Highest Mortgage Loan Application Amount | $1,990,000 |
| Average Applicant Income | $85,815 |
| Highest Applicant Income | $657,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 Improvement | 157 | $1,879,000 | $10,333 | $100,000 | $78,666 | $581,000 |
| Refinancing | 107 | $10,974,000 | $270,666 | $1,990,000 | $145,666 | $657,000 |
| Home Purchase | 45 | $4,799,000 | $171,500 | $316,000 | $218,500 | $647,000 |
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 | 208 | $12,130,000 | $117,500 | $1,990,000 | $181,500 | $657,000 |
| Not applicable | 73 | $4,824,000 | $66,000 | $151,000 | $0 | $0 |
| Black or African American | 13 | $407,000 | $31,000 | $145,000 | $47,000 | $156,000 |
| Not Provided | 11 | $232,000 | $22,000 | $95,000 | $76,000 | $175,000 |
| Asian | 2 | $30,000 | $15,000 | $27,000 | $71,000 | $110,000 |
| American Indian or Alaskan Native | 1 | $14,000 | $14,000 | $14,000 | $65,000 | $65,000 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $264,000 | $264,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 309 | $17,652,000 | $116,000 | $1,990,000 | $174,750 | $657,000 |
| 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 | 272 | $15,586,000 | $115,000 | $1,990,000 | $180,250 | $657,000 |
| Application Denied By Financial Institution | 21 | $672,000 | $22,500 | $145,000 | $52,000 | $139,000 |
| Application Approved But Not Accepted | 8 | $1,006,000 | $243,000 | $400,000 | $146,500 | $252,000 |
| Application Withdrawn By Applicant | 6 | $194,000 | $32,000 | $113,000 | $128,500 | $186,000 |
| File Closed For Incompleteness | 2 | $194,000 | $97,000 | $99,000 | $47,000 | $54,000 |
| 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 | 7 | $275,000 | $39,000 | $145,000 | $44,000 | $82,000 |
| Debt-To-Income Ratio | 5 | $102,000 | $15,000 | $45,000 | $30,500 | $43,000 |
| Collateral | 4 | $98,000 | $24,000 | $50,000 | $72,000 | $139,000 |
| Mortgage Insurance Denied | 1 | $125,000 | $125,000 | $125,000 | $56,000 | $56,000 |
| Other | 1 | $38,000 | $38,000 | $38,000 | $120,000 | $120,000 |
| Employment History | 1 | $9,000 | $9,000 | $9,000 | $120,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 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 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.
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