North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, North Side Bank & Trust Company of Cincinnati, OH reported 467 mortgage applications totaling $61.0 million, up 201% from 2017. The average application was for $130,653, and applicants reported an average income of $192,349. 87% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cincinnati, OH-KY-IN (462), Lexington-Fayette, KY (1) and Louisville/Jefferson County, KY-IN (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 | 467 |
| Total Mortgage Loan Application Amount | $61,015,000 |
| Average Mortgage Loan Application Amount | $130,653 |
| Highest Mortgage Loan Application Amount | $2,225,000 |
| Average Applicant Income | $192,349 |
| Highest Applicant Income | $5,203,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 147 | $26,615,000 | $181,000 | $2,225,000 | $257,000 | $5,203,000 |
| Home Improvement | 115 | $4,275,000 | $37,000 | $255,000 | $108,000 | $503,000 |
| Other Purpose | 80 | $8,150,000 | $101,000 | $405,000 | $164,000 | $695,000 |
| Refinancing | 76 | $13,960,000 | $183,000 | $765,000 | $225,000 | $1,630,000 |
| Cash-out Refinancing | 49 | $8,015,000 | $163,000 | $725,000 | $192,000 | $1,137,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 391 | $54,525,000 | $139,000 | $2,225,000 | $208,000 | $5,203,000 |
| Black or African American | 54 | $3,200,000 | $59,000 | $405,000 | $74,000 | $235,000 |
| Asian | 12 | $2,300,000 | $191,000 | $635,000 | $255,000 | $543,000 |
| Not Provided | 4 | $320,000 | $80,000 | $245,000 | $77,000 | $107,000 |
| Not applicable | 2 | $340,000 | $170,000 | $225,000 | $12,000 | $12,000 |
| Hispanic | 2 | $220,000 | $110,000 | $155,000 | $240,000 | $430,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $46,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 467 | $61,015,000 | $130,000 | $2,225,000 | $192,000 | $5,203,000 |
| 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 | 406 | $57,090,000 | $140,000 | $2,225,000 | $207,000 | $5,203,000 |
| Application Denied By Financial Institution | 37 | $1,695,000 | $45,000 | $405,000 | $86,000 | $882,000 |
| Application Approved But Not Accepted | 19 | $2,055,000 | $108,000 | $325,000 | $120,000 | $250,000 |
| File Closed For Incompleteness | 4 | $150,000 | $37,000 | $55,000 | $64,000 | $114,000 |
| Application Withdrawn By Applicant | 1 | $25,000 | $25,000 | $25,000 | $45,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 430 | $59,320,000 | $137,000 | $2,225,000 | $202,000 | $5,203,000 |
| Credit History | 23 | $745,000 | $32,000 | $165,000 | $102,000 | $882,000 |
| Debt-To-Income Ratio | 6 | $680,000 | $113,000 | $405,000 | $54,000 | $78,000 |
| Other | 4 | $140,000 | $35,000 | $85,000 | $76,000 | $141,000 |
| Unverifiable Information | 2 | $30,000 | $15,000 | $25,000 | $27,000 | $30,000 |
| Collateral | 2 | $100,000 | $50,000 | $85,000 | $76,000 | $94,000 |
| 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 2018 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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