North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, North Side Bank & Trust Company of Cincinnati, OH reported 293 mortgage applications totaling $28.7 million, down 37% from 2018. The average application was for $97,901, and applicants reported an average income of $99,358. 79% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Cincinnati, OH-KY-IN (287), North Port-Sarasota-Bradenton, FL (2) and Tampa-St. Petersburg-Clearwater, FL (2) (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 | 293 |
| Total Mortgage Loan Application Amount | $28,685,000 |
| Average Mortgage Loan Application Amount | $97,901 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $99,358 |
| Highest Applicant Income | $650,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 125 | $3,315,000 | $26,000 | $205,000 | $86,000 | $245,000 |
| Home Purchase | 66 | $11,610,000 | $175,000 | $985,000 | $112,000 | $562,000 |
| Cash-out Refinancing | 58 | $8,790,000 | $151,000 | $655,000 | $115,000 | $650,000 |
| Refinancing | 36 | $4,700,000 | $130,000 | $485,000 | $103,000 | $310,000 |
| Other Purpose | 8 | $270,000 | $33,000 | $75,000 | $74,000 | $157,000 |
| 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 | 228 | $25,430,000 | $111,000 | $985,000 | $108,000 | $650,000 |
| Black or African American | 51 | $2,625,000 | $51,000 | $445,000 | $58,000 | $110,000 |
| Not Provided | 4 | $40,000 | $10,000 | $15,000 | $90,000 | $215,000 |
| Not applicable | 3 | $205,000 | $68,000 | $145,000 | $114,000 | $187,000 |
| Hispanic | 3 | $35,000 | $11,000 | $25,000 | $69,000 | $127,000 |
| Asian | 3 | $245,000 | $81,000 | $95,000 | $130,000 | $130,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| 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) | 293 | $28,685,000 | $97,000 | $985,000 | $99,000 | $650,000 |
| 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 | 232 | $25,160,000 | $108,000 | $985,000 | $106,000 | $650,000 |
| Application Denied By Financial Institution | 36 | $1,200,000 | $33,000 | $175,000 | $65,000 | $187,000 |
| Application Approved But Not Accepted | 20 | $1,870,000 | $93,000 | $285,000 | $78,000 | $171,000 |
| File Closed For Incompleteness | 5 | $455,000 | $91,000 | $275,000 | $99,000 | $181,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 257 | $27,485,000 | $106,000 | $985,000 | $104,000 | $650,000 |
| Credit History | 15 | $285,000 | $19,000 | $35,000 | $66,000 | $187,000 |
| Debt-To-Income Ratio | 11 | $505,000 | $45,000 | $155,000 | $54,000 | $165,000 |
| Other | 6 | $340,000 | $56,000 | $175,000 | $60,000 | $100,000 |
| Collateral | 4 | $70,000 | $17,000 | $25,000 | $105,000 | $159,000 |
| 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 2019 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
with aggregated HMDA statistics today.
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