North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, North Side Bank & Trust Company of Cincinnati, OH reported 155 mortgage applications totaling $15.5 million, down 2% from 2016. The average application was for $100,270, and applicants reported an average income of $108,032. 70% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Cincinnati, OH-KY-IN (148), Cape Coral-Fort Myers, FL (1) and Daphne-Fairhope-Foley, AL (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 | 155 |
| Total Mortgage Loan Application Amount | $15,542,000 |
| Average Mortgage Loan Application Amount | $100,270 |
| Highest Mortgage Loan Application Amount | $1,040,000 |
| Average Applicant Income | $108,032 |
| Highest Applicant Income | $876,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 60 | $1,489,000 | $24,000 | $225,000 | $96,000 | $399,000 |
| Home Purchase | 58 | $8,561,000 | $147,000 | $1,040,000 | $102,000 | $368,000 |
| Refinancing | 37 | $5,492,000 | $148,000 | $600,000 | $137,000 | $876,000 |
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 | 130 | $14,165,000 | $108,000 | $1,040,000 | $117,000 | $876,000 |
| Black or African American | 17 | $845,000 | $49,000 | $192,000 | $50,000 | $134,000 |
| Not Provided | 4 | $330,000 | $82,000 | $253,000 | $97,000 | $134,000 |
| Hispanic | 3 | $153,000 | $51,000 | $105,000 | $65,000 | $75,000 |
| Asian | 1 | $49,000 | $49,000 | $49,000 | $168,000 | $168,000 |
| American Indian or Alaskan Native | 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) | 155 | $15,542,000 | $100,000 | $1,040,000 | $108,000 | $876,000 |
| 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 | 109 | $12,541,000 | $115,000 | $1,040,000 | $124,000 | $876,000 |
| Application Denied By Financial Institution | 28 | $1,422,000 | $50,000 | $244,000 | $64,000 | $236,000 |
| Application Approved But Not Accepted | 14 | $1,377,000 | $98,000 | $253,000 | $85,000 | $143,000 |
| Application Withdrawn By Applicant | 2 | $140,000 | $70,000 | $135,000 | $116,000 | $209,000 |
| File Closed For Incompleteness | 2 | $62,000 | $31,000 | $50,000 | $40,000 | $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 | $888,000 | $49,000 | $244,000 | $56,000 | $150,000 |
| Other | 6 | $340,000 | $56,000 | $120,000 | $90,000 | $236,000 |
| Collateral | 2 | $52,000 | $26,000 | $30,000 | $60,000 | $66,000 |
| Debt-To-Income Ratio | 2 | $142,000 | $71,000 | $92,000 | $60,000 | $87,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into North Side Bank & Trust Company's 2017 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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