North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, North Side Bank & Trust Company of Cincinnati, OH reported 160 mortgage applications totaling $15.9 million, up 32% from 2014. The average application was for $99,618, and applicants reported an average income of $104,706. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Cincinnati, OH-KY-IN (154), Charleston-North Charleston, SC (2) and Tampa-St. Petersburg-Clearwater, 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 | 160 |
| Total Mortgage Loan Application Amount | $15,939,000 |
| Average Mortgage Loan Application Amount | $99,618 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $104,706 |
| Highest Applicant Income | $1,702,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 60 | $9,272,000 | $154,000 | $960,000 | $126,000 | $1,702,000 |
| Home Improvement | 53 | $957,000 | $18,000 | $68,000 | $83,000 | $406,000 |
| Refinancing | 47 | $5,710,000 | $121,000 | $417,000 | $102,000 | $428,000 |
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 | 136 | $13,473,000 | $99,000 | $533,000 | $107,000 | $1,702,000 |
| Black or African American | 20 | $1,031,000 | $51,000 | $239,000 | $73,000 | $406,000 |
| Not Provided | 3 | $1,402,000 | $467,000 | $960,000 | $235,000 | $424,000 |
| American Indian or Alaskan Native | 1 | $33,000 | $33,000 | $33,000 | $34,000 | $34,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 160 | $15,939,000 | $99,000 | $960,000 | $105,000 | $1,702,000 |
| 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 | 124 | $12,568,000 | $101,000 | $533,000 | $114,000 | $1,702,000 |
| Application Denied By Financial Institution | 22 | $1,382,000 | $62,000 | $300,000 | $44,000 | $135,000 |
| Application Approved But Not Accepted | 11 | $1,477,000 | $134,000 | $960,000 | $117,000 | $424,000 |
| Application Withdrawn By Applicant | 3 | $512,000 | $170,000 | $242,000 | $117,000 | $169,000 |
| 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 | $455,000 | $50,000 | $240,000 | $48,000 | $84,000 |
| Debt-To-Income Ratio | 6 | $482,000 | $80,000 | $300,000 | $42,000 | $135,000 |
| Other | 4 | $247,000 | $61,000 | $98,000 | $37,000 | $41,000 |
| Collateral | 2 | $106,000 | $53,000 | $68,000 | $53,000 | $68,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2015 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
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