North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, North Side Bank & Trust Company of Cincinnati, OH reported 257 mortgage applications totaling $35.3 million, down 22% from 2020. The average application was for $137,451, and applicants reported an average income of $103,249. 77% of its applications resulted in an originated loan and 9% were denied. Its largest market was Cincinnati, OH-KY-IN (256).
| 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 | 257 |
| Total Mortgage Loan Application Amount | $35,325,000 |
| Average Mortgage Loan Application Amount | $137,451 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $103,249 |
| Highest Applicant Income | $1,377,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 118 | $20,360,000 | $172,000 | $815,000 | $103,000 | $503,000 |
| Home Improvement | 75 | $2,005,000 | $26,000 | $75,000 | $81,000 | $258,000 |
| Home Purchase | 46 | $10,790,000 | $234,000 | $1,995,000 | $141,000 | $1,377,000 |
| Cash-out Refinancing | 7 | $775,000 | $110,000 | $225,000 | $108,000 | $207,000 |
| Other Purpose | 7 | $425,000 | $60,000 | $145,000 | $93,000 | $138,000 |
| Not Applicable | 4 | $970,000 | $242,000 | $465,000 | $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 | 192 | $29,780,000 | $155,000 | $1,995,000 | $112,000 | $1,377,000 |
| Black or African American | 49 | $3,225,000 | $65,000 | $395,000 | $72,000 | $368,000 |
| Hispanic | 5 | $585,000 | $117,000 | $355,000 | $101,000 | $157,000 |
| Not applicable | 4 | $970,000 | $242,000 | $465,000 | $0 | $0 |
| Not Provided | 4 | $390,000 | $97,000 | $195,000 | $62,000 | $76,000 |
| Asian | 2 | $280,000 | $140,000 | $165,000 | $115,000 | $188,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $93,000 | $93,000 |
| 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) | 256 | $35,300,000 | $137,000 | $1,995,000 | $103,000 | $1,377,000 |
| FHA-insured (Federal Housing Administration) | 1 | $25,000 | $25,000 | $25,000 | $138,000 | $138,000 |
| 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 | 199 | $30,185,000 | $151,000 | $1,995,000 | $114,000 | $1,377,000 |
| Application Approved But Not Accepted | 30 | $3,400,000 | $113,000 | $325,000 | $89,000 | $297,000 |
| Application Denied By Financial Institution | 23 | $1,185,000 | $51,000 | $295,000 | $46,000 | $104,000 |
| Application Withdrawn By Applicant | 4 | $550,000 | $137,000 | $285,000 | $40,000 | $84,000 |
| File Closed For Incompleteness | 1 | $5,000 | $5,000 | $5,000 | $70,000 | $70,000 |
| 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 | 234 | $34,140,000 | $145,000 | $1,995,000 | $109,000 | $1,377,000 |
| Credit History | 10 | $290,000 | $29,000 | $125,000 | $47,000 | $76,000 |
| Debt-To-Income Ratio | 9 | $495,000 | $55,000 | $105,000 | $38,000 | $88,000 |
| Collateral | 2 | $360,000 | $180,000 | $295,000 | $89,000 | $104,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $55,000 | $55,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $8,000 | $8,000 |
| 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 2021 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About