North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, North Side Bank & Trust Company of Cincinnati, OH reported 144 mortgage applications totaling $14.0 million, down 12% from 2012. The average application was for $97,187, and applicants reported an average income of $76,902. 71% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (142) and Charleston-North Charleston-Summerville, SC (1).
| 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 | 144 |
| Total Mortgage Loan Application Amount | $13,995,000 |
| Average Mortgage Loan Application Amount | $97,187 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $76,902 |
| Highest Applicant Income | $572,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 64 | $8,063,000 | $125,000 | $308,000 | $91,000 | $572,000 |
| Home Purchase | 50 | $5,322,000 | $106,000 | $417,000 | $66,000 | $166,000 |
| Home Improvement | 30 | $610,000 | $20,000 | $135,000 | $65,000 | $245,000 |
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 | 124 | $12,692,000 | $102,000 | $417,000 | $80,000 | $572,000 |
| Black or African American | 15 | $468,000 | $31,000 | $152,000 | $45,000 | $156,000 |
| Hispanic | 3 | $552,000 | $184,000 | $285,000 | $94,000 | $130,000 |
| Not Provided | 1 | $171,000 | $171,000 | $171,000 | $65,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $112,000 | $112,000 | $112,000 | $70,000 | $70,000 |
| 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) | 144 | $13,995,000 | $97,000 | $417,000 | $77,000 | $572,000 |
| 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 | 102 | $10,341,000 | $101,000 | $417,000 | $79,000 | $533,000 |
| Application Denied By Financial Institution | 27 | $2,254,000 | $83,000 | $308,000 | $55,000 | $156,000 |
| Application Approved But Not Accepted | 11 | $988,000 | $89,000 | $247,000 | $110,000 | $572,000 |
| Application Withdrawn By Applicant | 3 | $391,000 | $130,000 | $235,000 | $89,000 | $178,000 |
| File Closed For Incompleteness | 1 | $21,000 | $21,000 | $21,000 | $13,000 | $13,000 |
| 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 | 21 | $1,889,000 | $89,000 | $308,000 | $61,000 | $156,000 |
| Debt-To-Income Ratio | 3 | $162,000 | $54,000 | $95,000 | $22,000 | $32,000 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $91,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $53,000 | $53,000 | $53,000 | $20,000 | $20,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $30,000 | $30,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2013 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About