North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, North Side Bank & Trust Company of Cincinnati, OH reported 196 mortgage applications totaling $19.0 million, up 3% from 2009. The average application was for $96,698, and applicants reported an average income of $85,214. 79% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (188), Birmingham-Hoover, AL (1) and Cape Coral-Fort Myers, FL (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 | 196 |
| Total Mortgage Loan Application Amount | $18,953,000 |
| Average Mortgage Loan Application Amount | $96,698 |
| Highest Mortgage Loan Application Amount | $549,000 |
| Average Applicant Income | $85,214 |
| Highest Applicant Income | $957,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 88 | $12,312,000 | $139,000 | $549,000 | $91,000 | $957,000 |
| Home Improvement | 54 | $1,067,000 | $19,000 | $130,000 | $83,000 | $411,000 |
| Home Purchase | 54 | $5,574,000 | $103,000 | $356,000 | $78,000 | $956,000 |
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 | 166 | $17,348,000 | $104,000 | $549,000 | $92,000 | $957,000 |
| Black or African American | 20 | $1,240,000 | $62,000 | $179,000 | $45,000 | $102,000 |
| Not Provided | 5 | $121,000 | $24,000 | $85,000 | $83,000 | $125,000 |
| Hispanic | 3 | $118,000 | $39,000 | $89,000 | $45,000 | $58,000 |
| American Indian or Alaskan Native | 2 | $126,000 | $63,000 | $70,000 | $26,000 | $26,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 196 | $18,953,000 | $96,000 | $549,000 | $86,000 | $957,000 |
| 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 | 155 | $15,771,000 | $101,000 | $549,000 | $93,000 | $957,000 |
| Application Denied By Financial Institution | 26 | $1,639,000 | $63,000 | $221,000 | $40,000 | $110,000 |
| Application Approved But Not Accepted | 8 | $923,000 | $115,000 | $356,000 | $87,000 | $169,000 |
| Application Withdrawn By Applicant | 7 | $620,000 | $88,000 | $165,000 | $93,000 | $163,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $556,000 | $61,000 | $170,000 | $44,000 | $77,000 |
| Debt-To-Income Ratio | 8 | $493,000 | $61,000 | $221,000 | $31,000 | $95,000 |
| Collateral | 4 | $174,000 | $43,000 | $94,000 | $47,000 | $110,000 |
| Mortgage Insurance Denied | 2 | $288,000 | $144,000 | $175,000 | $42,000 | $47,000 |
| Other | 1 | $90,000 | $90,000 | $90,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $7,000 | $7,000 | $7,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $31,000 | $31,000 | $31,000 | $16,000 | $16,000 |
| 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 2010 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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