North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, North Side Bank & Trust Company of Cincinnati, OH reported 121 mortgage applications totaling $16.0 million, down 16% from 2013. The average application was for $132,190, and applicants reported an average income of $98,586. 74% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Cincinnati, OH-KY-IN (114), Indianapolis-Carmel-Anderson, IN (1) and North Port-Sarasota-Bradenton, 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 | 121 |
| Total Mortgage Loan Application Amount | $15,995,000 |
| Average Mortgage Loan Application Amount | $132,190 |
| Highest Mortgage Loan Application Amount | $2,750,000 |
| Average Applicant Income | $98,586 |
| Highest Applicant Income | $556,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 Purchase | 57 | $11,745,000 | $206,000 | $2,750,000 | $116,000 | $556,000 |
| Home Improvement | 35 | $656,000 | $18,000 | $70,000 | $79,000 | $288,000 |
| Refinancing | 29 | $3,594,000 | $123,000 | $417,000 | $88,000 | $544,000 |
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 | 104 | $13,218,000 | $127,000 | $2,750,000 | $103,000 | $549,000 |
| Black or African American | 11 | $2,234,000 | $203,000 | $1,750,000 | $95,000 | $556,000 |
| Hispanic | 2 | $90,000 | $45,000 | $80,000 | $73,000 | $73,000 |
| Not applicable | 2 | $234,000 | $117,000 | $150,000 | $0 | $0 |
| Not Provided | 2 | $219,000 | $109,000 | $119,000 | $47,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 121 | $15,995,000 | $132,000 | $2,750,000 | $99,000 | $556,000 |
| 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 | 90 | $11,652,000 | $129,000 | $2,750,000 | $95,000 | $549,000 |
| Application Denied By Financial Institution | 18 | $2,874,000 | $159,000 | $1,750,000 | $78,000 | $556,000 |
| Application Approved But Not Accepted | 11 | $1,204,000 | $109,000 | $352,000 | $181,000 | $529,000 |
| Application Withdrawn By Applicant | 2 | $265,000 | $132,000 | $225,000 | $15,000 | $30,000 |
| 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 | $2,088,000 | $232,000 | $1,750,000 | $109,000 | $556,000 |
| Debt-To-Income Ratio | 5 | $545,000 | $109,000 | $200,000 | $41,000 | $72,000 |
| Collateral | 2 | $147,000 | $73,000 | $92,000 | $61,000 | $93,000 |
| Other | 2 | $94,000 | $47,000 | $79,000 | $46,000 | $93,000 |
| 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 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Side Bank & Trust Company's 2014 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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