North Side Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, North Side Bank & Trust Company of Cincinnati, OH reported 774 mortgage applications totaling $118.8 million, up 201% from 2021. The average application was for $153,488, and applicants reported an average income of $176,326. 88% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cincinnati, OH-KY-IN (750), Dayton-Springfield-Kettering, OH (11) and Nashville-Davidson--Murfreesboro--Franklin, TN (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 | 774 |
| Total Mortgage Loan Application Amount | $118,800,000 |
| Average Mortgage Loan Application Amount | $153,488 |
| Highest Mortgage Loan Application Amount | $4,165,000 |
| Average Applicant Income | $176,326 |
| Highest Applicant Income | $2,083,000 |
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records North Side Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 319 | $51,145,000 | $160,000 | $905,000 | $198,000 | $2,083,000 |
| Home Improvement | 241 | $23,725,000 | $98,000 | $955,000 | $153,000 | $1,358,000 |
| Home Purchase | 118 | $21,230,000 | $179,000 | $1,765,000 | $189,000 | $1,651,000 |
| Refinancing | 92 | $22,160,000 | $240,000 | $4,165,000 | $146,000 | $717,000 |
| Cash-out Refinancing | 4 | $540,000 | $135,000 | $185,000 | $177,000 | $476,000 |
| 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 | 658 | $102,960,000 | $156,000 | $1,765,000 | $188,000 | $2,083,000 |
| Black or African American | 58 | $3,370,000 | $58,000 | $255,000 | $87,000 | $433,000 |
| Asian | 19 | $1,355,000 | $71,000 | $225,000 | $144,000 | $400,000 |
| Hispanic | 13 | $1,015,000 | $78,000 | $205,000 | $114,000 | $315,000 |
| Not applicable | 12 | $6,610,000 | $550,000 | $4,165,000 | $0 | $0 |
| Not Provided | 12 | $3,330,000 | $277,000 | $1,305,000 | $116,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $32,000 | $32,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $95,000 | $95,000 |
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) | 774 | $118,800,000 | $153,000 | $4,165,000 | $177,000 | $2,083,000 |
| 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 | 678 | $109,700,000 | $161,000 | $4,165,000 | $187,000 | $2,083,000 |
| Application Approved But Not Accepted | 48 | $5,710,000 | $118,000 | $645,000 | $149,000 | $827,000 |
| Application Denied By Financial Institution | 44 | $3,170,000 | $72,000 | $1,305,000 | $54,000 | $203,000 |
| Application Withdrawn By Applicant | 3 | $215,000 | $71,000 | $135,000 | $67,000 | $112,000 |
| File Closed For Incompleteness | 1 | $5,000 | $5,000 | $5,000 | $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 | 730 | $115,630,000 | $158,000 | $4,165,000 | $184,000 | $2,083,000 |
| Debt-To-Income Ratio | 22 | $1,980,000 | $90,000 | $1,305,000 | $43,000 | $105,000 |
| Credit History | 13 | $485,000 | $37,000 | $125,000 | $70,000 | $203,000 |
| Other | 4 | $240,000 | $60,000 | $185,000 | $41,000 | $64,000 |
| Unverifiable Information | 3 | $335,000 | $111,000 | $165,000 | $55,000 | $60,000 |
| Collateral | 2 | $130,000 | $65,000 | $105,000 | $87,000 | $91,000 |
| 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 2022 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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