North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, North Side Bank & Trust Company of Cincinnati, OH reported 191 mortgage applications totaling $21.8 million, up 7% from 2008. The average application was for $113,890, and applicants reported an average income of $106,356. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (183), Naples-Marco Island, FL (2) and Charleston-North Charleston-Summerville, SC (1) (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 | 191 |
| Total Mortgage Loan Application Amount | $21,753,000 |
| Average Mortgage Loan Application Amount | $113,890 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $106,356 |
| Highest Applicant Income | $1,168,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 82 | $14,149,000 | $172,000 | $700,000 | $106,000 | $864,000 |
| Home Improvement | 66 | $974,000 | $14,000 | $50,000 | $94,000 | $515,000 |
| Home Purchase | 43 | $6,630,000 | $154,000 | $825,000 | $126,000 | $1,168,000 |
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 | 168 | $19,296,000 | $114,000 | $750,000 | $110,000 | $1,168,000 |
| Black or African American | 10 | $879,000 | $87,000 | $417,000 | $82,000 | $268,000 |
| Not Provided | 8 | $1,335,000 | $166,000 | $825,000 | $104,000 | $312,000 |
| American Indian or Alaskan Native | 2 | $141,000 | $70,000 | $101,000 | $32,000 | $41,000 |
| Asian | 1 | $20,000 | $20,000 | $20,000 | $189,000 | $189,000 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $44,000 | $44,000 |
| Not applicable | 1 | $67,000 | $67,000 | $67,000 | $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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 191 | $21,753,000 | $113,000 | $825,000 | $107,000 | $1,168,000 |
| 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 | 156 | $17,783,000 | $113,000 | $750,000 | $113,000 | $1,168,000 |
| Application Denied By Financial Institution | 18 | $2,486,000 | $138,000 | $825,000 | $69,000 | $312,000 |
| Application Approved But Not Accepted | 16 | $1,478,000 | $92,000 | $300,000 | $90,000 | $322,000 |
| Application Withdrawn By Applicant | 1 | $6,000 | $6,000 | $6,000 | $47,000 | $47,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $1,499,000 | $166,000 | $825,000 | $81,000 | $312,000 |
| Credit History | 7 | $521,000 | $74,000 | $160,000 | $39,000 | $91,000 |
| Collateral | 1 | $301,000 | $301,000 | $301,000 | $169,000 | $169,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $78,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Side Bank & Trust Company's 2009 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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