North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, North Side Bank & Trust Company of Cincinnati, OH reported 158 mortgage applications totaling $69.4 million, down 1% from 2015. The average application was for $439,455, and applicants reported an average income of $91,860. 68% of its applications resulted in an originated loan and 22% were denied. Its largest market was Cincinnati, OH-KY-IN (155).
| 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 | 158 |
| Total Mortgage Loan Application Amount | $69,434,000 |
| Average Mortgage Loan Application Amount | $439,455 |
| Highest Mortgage Loan Application Amount | $55,900,000 |
| Average Applicant Income | $91,860 |
| Highest Applicant Income | $489,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 Improvement | 77 | $1,699,000 | $22,000 | $68,000 | $87,000 | $489,000 |
| Home Purchase | 42 | $63,496,000 | $1,511,000 | $55,900,000 | $109,000 | $489,000 |
| Refinancing | 39 | $4,239,000 | $108,000 | $280,000 | $83,000 | $221,000 |
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 | 123 | $11,775,000 | $95,000 | $950,000 | $101,000 | $489,000 |
| Black or African American | 24 | $56,856,000 | $2,369,000 | $55,900,000 | $57,000 | $259,000 |
| Asian | 4 | $284,000 | $71,000 | $239,000 | $70,000 | $95,000 |
| Not Provided | 3 | $260,000 | $86,000 | $120,000 | $41,000 | $48,000 |
| Hispanic | 3 | $55,000 | $18,000 | $27,000 | $65,000 | $106,000 |
| American Indian or Alaskan Native | 1 | $204,000 | $204,000 | $204,000 | $124,000 | $124,000 |
| Native Hawaiin 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) | 158 | $69,434,000 | $439,000 | $55,900,000 | $92,000 | $489,000 |
| 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 | 107 | $10,263,000 | $95,000 | $448,000 | $104,000 | $489,000 |
| Application Denied By Financial Institution | 35 | $2,568,000 | $73,000 | $950,000 | $60,000 | $257,000 |
| Application Approved But Not Accepted | 12 | $56,205,000 | $4,683,000 | $55,900,000 | $94,000 | $199,000 |
| File Closed For Incompleteness | 3 | $323,000 | $107,000 | $202,000 | $36,000 | $65,000 |
| Application Withdrawn By Applicant | 1 | $75,000 | $75,000 | $75,000 | $43,000 | $43,000 |
| 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 | 18 | $866,000 | $48,000 | $239,000 | $60,000 | $139,000 |
| Debt-To-Income Ratio | 10 | $1,366,000 | $136,000 | $950,000 | $63,000 | $257,000 |
| Collateral | 4 | $209,000 | $52,000 | $135,000 | $64,000 | $106,000 |
| Other | 2 | $77,000 | $38,000 | $52,000 | $56,000 | $67,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Side Bank & Trust Company's 2016 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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