First Place Bank Mortgage Lending & HMDA Data, 2010
In 2010, First Place Bank of Warren, OH reported 15,637 mortgage applications totaling $3.0 billion, down 2% from 2009. The average application was for $190,838, and applicants reported an average income of $97,775. 73% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (2,085), Cleveland-Elyria-Mentor, OH (1,878) and Youngstown-Warren-Boardman, OH-PA (1,506) (applications in parentheses).
| Mortgage Company & Address | First Place Bank 185 East Market Warren, OH 44481 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 15,637 |
| Total Mortgage Loan Application Amount | $2,984,142,000 |
| Average Mortgage Loan Application Amount | $190,838 |
| Highest Mortgage Loan Application Amount | $4,171,000 |
| Average Applicant Income | $97,775 |
| Highest Applicant Income | $8,035,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Place Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 2,085 | $ 414,517,000 | $ 198,809 | $ 105,125 |
| Cleveland-Elyria-Mentor, OH | 1,878 | $ 315,463,000 | $ 167,978 | $ 97,000 |
| Youngstown-Warren-Boardman, OH-PA | 1,506 | $ 183,137,000 | $ 121,604 | $ 80,948 |
| Columbus, OH | 1,068 | $ 213,071,000 | $ 199,504 | $ 109,000 |
| Indianapolis-Carmel, IN | 1,062 | $ 211,366,000 | $ 199,026 | $ 104,000 |
| Warren-Troy-Farmington Hills, MI | 968 | $ 210,974,000 | $ 217,948 | $ 94,000 |
| Chicago-Joliet-Naperville, IL | 689 | $ 154,132,000 | $ 223,703 | $ 16,000 |
| Toledo, OH | 555 | $ 87,195,000 | $ 157,108 | $ 98,000 |
| Akron, OH | 526 | $ 99,569,000 | $ 189,294 | $ 103,000 |
| Bethesda-Rockville-Frederick, MD | 447 | $ 162,502,000 | $ 363,539 | $ 176,000 |
| Holland-Grand Haven, MI | 433 | $ 69,737,000 | $ 161,055 | $ 81,000 |
| Flint, MI | 422 | $ 58,199,000 | $ 137,912 | $ 88,000 |
| Grand Rapids-Wyoming, MI | 379 | $ 59,755,000 | $ 157,664 | $ 83,000 |
| Dayton, OH | 370 | $ 93,657,000 | $ 253,127 | $ 156,000 |
| Detroit-Livonia-Dearborn, MI | 347 | $ 66,145,000 | $ 190,619 | $ 91,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 236 | $ 83,213,000 | $ 352,597 | $ 154,177 |
| Canton-Massillon, OH | 220 | $ 34,693,000 | $ 157,695 | $ 58,000 |
| Lansing-East Lansing, MI | 210 | $ 26,920,000 | $ 128,190 | $ 51,000 |
| Ann Arbor, MI | 162 | $ 37,203,000 | $ 229,648 | $ 65,000 |
| Baltimore-Towson, MD | 160 | $ 46,657,000 | $ 291,606 | $ 143,000 |
| Jackson, MI | 134 | $ 18,241,000 | $ 136,126 | $ 83,000 |
| Kokomo, IN | 62 | $ 7,581,000 | $ 122,274 | $ 62,000 |
| Fort Wayne, IN | 59 | $ 10,005,000 | $ 169,576 | $ 24,000 |
| Battle Creek, MI | 57 | $ 6,775,000 | $ 118,859 | $ 65,000 |
| Monroe, MI | 56 | $ 8,217,000 | $ 146,732 | $ 91,000 |
| Gary, IN | 46 | $ 9,128,000 | $ 198,434 | $ 46,000 |
| Lake County-Kenosha County, IL-WI | 39 | $ 10,736,000 | $ 275,282 | $ 26,000 |
| Cape Coral-Fort Myers, FL | 29 | $ 5,134,000 | $ 177,034 | $ 160,000 |
| Denver-Aurora-Broomfield, CO | 24 | $ 5,935,000 | $ 247,291 | $ 40,000 |
| Kalamazoo-Portage, MI | 24 | $ 3,527,000 | $ 146,958 | $ 74,000 |
| Sandusky, OH | 23 | $ 4,533,000 | $ 197,086 | $ 139,000 |
| Naples-Marco Island, FL | 20 | $ 5,594,000 | $ 279,700 | $ 165,000 |
| Lafayette, IN | 18 | $ 2,447,000 | $ 135,944 | $ 68,000 |
| Milwaukee-Waukesha-West Allis, WI | 17 | $ 2,996,000 | $ 176,235 | $ 17,000 |
| Pittsburgh, PA | 17 | $ 3,672,000 | $ 216,000 | $ 138,000 |
| Phoenix-Mesa-Glendale, AZ | 16 | $ 4,118,000 | $ 257,375 | $ 732,000 |
| Bloomington, IN | 15 | $ 2,947,000 | $ 196,466 | $ 109,000 |
| Anderson, IN | 14 | $ 2,880,000 | $ 205,714 | $ 85,000 |
| Scranton--Wilkes-Barre, PA | 13 | $ 1,748,000 | $ 134,461 | $ 45,000 |
| Asheville, NC | 11 | $ 1,770,000 | $ 160,909 | $ 131,000 |
| Columbia, SC | 11 | $ 2,774,000 | $ 252,181 | $ 99,000 |
| Houston-Sugar Land-Baytown, TX | 11 | $ 2,420,000 | $ 220,000 | $ 114,000 |
| Louisville-Jefferson County, KY-IN | 11 | $ 2,646,000 | $ 240,545 | $ 73,000 |
| Muskegon-Norton Shores, MI | 11 | $ 1,832,000 | $ 166,545 | $ 95,000 |
| Charleston-North Charleston-Summerville, SC | 10 | $ 2,952,000 | $ 295,200 | $ 154,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 10 | $ 1,597,000 | $ 159,700 | $ 116,600 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 2,088,000 | $ 232,000 | $ 212,000 |
| North Port-Bradenton-Sarasota, FL | 9 | $ 2,539,000 | $ 282,111 | $ 1,125,000 |
| Saginaw-Saginaw Township North, MI | 9 | $ 2,245,000 | $ 249,444 | $ 137,000 |
| Lafayette, LA | 8 | $ 2,341,000 | $ 292,625 | $ 113,000 |
| Newark-Union, NJ-PA | 8 | $ 2,258,000 | $ 282,250 | $ 59,000 |
| Lexington-Fayette, KY | 7 | $ 1,647,000 | $ 235,285 | $ 63,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,311,000 | $ 187,285 | $ 106,000 |
| Raleigh-Cary, NC | 7 | $ 2,077,000 | $ 296,714 | $ 144,000 |
| Springfield, OH | 7 | $ 1,419,000 | $ 202,714 | $ 115,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,489,000 | $ 212,714 | $ 243,000 |
| Bay City, MI | 6 | $ 729,000 | $ 121,500 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,303,000 | $ 217,166 | $ 137,000 |
| Philadelphia, PA | 6 | $ 1,030,000 | $ 171,666 | $ 97,000 |
| Colorado Springs, CO | 5 | $ 1,729,000 | $ 345,800 | $ 22,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,142,000 | $ 228,400 | $ 206,000 |
| Elizabethtown, KY | 5 | $ 868,000 | $ 173,600 | $ 173,000 |
| Steubenville-Weirton, OH-WV | 5 | $ 321,000 | $ 64,200 | $ 139,000 |
| Wilmington, NC | 5 | $ 1,226,000 | $ 245,200 | $ 188,000 |
| Edison-New Brunswick, NJ | 4 | $ 1,290,000 | $ 322,500 | $ 125,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,243,000 | $ 310,750 | $ 130,750 |
| South Bend-Mishawaka, IN-MI | 4 | $ 798,000 | $ 199,500 | $ 140,000 |
| St. Louis, MO-IL | 4 | $ 787,000 | $ 196,750 | $ 42,750 |
| Wheeling, WV-OH | 4 | $ 782,000 | $ 195,500 | $ 111,000 |
| Baton Rouge, LA | 3 | $ 1,275,000 | $ 425,000 | $ 181,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 939,000 | $ 313,000 | $ 109,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 370,000 | $ 123,333 | $ 117,000 |
| Greensboro-High Point, NC | 3 | $ 568,000 | $ 189,333 | $ 179,000 |
| Jacksonville, FL | 3 | $ 377,000 | $ 125,666 | $ 36,000 |
| Lakeland-Winter Haven, FL | 3 | $ 415,000 | $ 138,333 | $ 111,000 |
| Las Vegas-Paradise, NV | 3 | $ 519,000 | $ 173,000 | $ 54,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 797,000 | $ 265,666 | $ 2,224,000 |
| Morgantown, WV | 3 | $ 441,000 | $ 147,000 | $ 114,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 804,000 | $ 268,000 | $ 121,000 |
| Niles-Benton Harbor, MI | 3 | $ 497,000 | $ 165,666 | $ 48,000 |
| Port St. Lucie, FL | 3 | $ 554,000 | $ 184,666 | $ 218,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 653,000 | $ 217,666 | $ 155,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 503,000 | $ 251,500 | $ 99,000 |
| Boston-Quincy, MA | 2 | $ 782,000 | $ 391,000 | $ 69,000 |
| Boulder, CO | 2 | $ 517,000 | $ 258,500 | $ 45,000 |
| Burlington, NC | 2 | $ 260,000 | $ 130,000 | $ 114,000 |
| Camden, NJ | 2 | $ 689,000 | $ 344,500 | $ 298,000 |
| Columbus, IN | 2 | $ 626,000 | $ 313,000 | $ 55,000 |
| Erie, PA | 2 | $ 263,000 | $ 131,500 | $ 52,000 |
| Flagstaff, AZ | 2 | $ 957,000 | $ 478,500 | $ 181,000 |
| Greeley, CO | 2 | $ 445,000 | $ 222,500 | $ 28,000 |
| Harrisburg-Carlisle, PA | 2 | $ 621,000 | $ 310,500 | $ 101,000 |
| Huntsville, AL | 2 | $ 460,000 | $ 230,000 | $ 120,000 |
| Kankakee-Bradley, IL | 2 | $ 354,000 | $ 177,000 | $ 0 |
| Lima, OH | 2 | $ 426,000 | $ 213,000 | $ 115,000 |
| Memphis, TN-MS-AR | 2 | $ 158,000 | $ 79,000 | $ 103,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 346,000 | $ 173,000 | $ 11,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 676,000 | $ 338,000 | $ 94,000 |
| Ocean City, NJ | 2 | $ 905,000 | $ 452,500 | $ 231,000 |
| Palm Coast, FL | 2 | $ 239,000 | $ 119,500 | $ 54,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 747,000 | $ 373,500 | $ 174,000 |
| Richmond, VA | 2 | $ 516,000 | $ 258,000 | $ 80,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 1,068,000 | $ 534,000 | $ 221,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 736,000 | $ 368,000 | $ 167,000 |
| Tulsa, OK | 2 | $ 284,000 | $ 142,000 | $ 0 |
| Altoona, PA | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Anderson, SC | 1 | $ 354,000 | $ 354,000 | $ 120,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 58,000 | $ 58,000 | $ 77,000 |
| Birmingham-Hoover, AL | 1 | $ 417,000 | $ 417,000 | $ 200,000 |
| Bowling Green, KY | 1 | $ 407,000 | $ 407,000 | $ 201,000 |
| Charlottesville, VA | 1 | $ 159,000 | $ 159,000 | $ 119,000 |
| Clarksville, TN-KY | 1 | $ 167,000 | $ 167,000 | $ 79,000 |
| College Station-Bryan, TX | 1 | $ 202,000 | $ 202,000 | $ 110,000 |
| Dallas-Plano-Irving, TX | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 181,000 | $ 181,000 | $ 138,000 |
| Evansville, IN-KY | 1 | $ 156,000 | $ 156,000 | $ 82,000 |
| Glens Falls, NY | 1 | $ 320,000 | $ 320,000 | $ 204,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 1,357,000 | $ 1,357,000 | $ 440,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 215,000 | $ 215,000 | $ 197,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 292,000 | $ 292,000 | $ 117,000 |
| Johnstown, PA | 1 | $ 214,000 | $ 214,000 | $ 93,000 |
| Joplin, MO | 1 | $ 410,000 | $ 410,000 | $ 275,000 |
| Kansas City, MO-KS | 1 | $ 163,000 | $ 163,000 | $ 216,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Knoxville, TN | 1 | $ 238,000 | $ 238,000 | $ 119,000 |
| Lynchburg, VA | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Macon, GA | 1 | $ 146,000 | $ 146,000 | $ 102,000 |
| Mansfield, OH | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Montgomery, AL | 1 | $ 201,000 | $ 201,000 | $ 88,000 |
| Muncie, IN | 1 | $ 325,000 | $ 325,000 | $ 280,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 342,000 | $ 342,000 | $ 145,000 |
| Nassau-Suffolk, NY | 1 | $ 247,000 | $ 247,000 | $ 65,000 |
| New Haven-Milford, CT | 1 | $ 417,000 | $ 417,000 | $ 450,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 399,000 | $ 399,000 | $ 240,000 |
| Olympia, WA | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 256,000 | $ 256,000 | $ 137,000 |
| Punta Gorda, FL | 1 | $ 413,000 | $ 413,000 | $ 268,000 |
| Reno-Sparks, NV | 1 | $ 186,000 | $ 186,000 | $ 44,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 179,000 | $ 179,000 | $ 94,000 |
| Rockford, IL | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 327,000 | $ 327,000 | $ 100,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 613,000 | $ 613,000 | $ 579,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 350,000 | $ 350,000 | $ 303,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 460,000 | $ 460,000 | $ 159,000 |
| Shreveport-Bossier City, LA | 1 | $ 291,000 | $ 291,000 | $ 149,000 |
| Tucson, AZ | 1 | $ 216,000 | $ 216,000 | $ 193,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| York-Hanover, PA | 1 | $ 397,000 | $ 397,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for First Place Bank in 2010
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 | 8,698 | $1,791,840,000 | $206,000 | $1,357,000 | $101,000 | $6,000,000 |
| Home Purchase | 6,896 | $1,186,253,000 | $172,000 | $1,366,000 | $94,000 | $8,035,000 |
| Home Improvement | 43 | $6,049,000 | $140,000 | $4,171,000 | $51,000 | $128,000 |
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 | 14,203 | $2,671,334,000 | $188,000 | $1,366,000 | $97,000 | $8,035,000 |
| Asian | 526 | $128,387,000 | $244,000 | $1,280,000 | $100,000 | $954,000 |
| Black or African American | 383 | $61,542,000 | $160,000 | $730,000 | $102,000 | $6,000,000 |
| Not Provided | 273 | $68,241,000 | $249,000 | $1,196,000 | $136,000 | $840,000 |
| Hispanic | 210 | $39,500,000 | $188,000 | $730,000 | $90,000 | $718,000 |
| American Indian or Alaskan Native | 21 | $4,033,000 | $192,000 | $518,000 | $98,000 | $357,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,513,000 | $193,000 | $417,000 | $110,000 | $537,000 |
| Not applicable | 8 | $8,592,000 | $1,074,000 | $4,171,000 | $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) | 12,399 | $2,528,973,000 | $203,000 | $4,171,000 | $108,000 | $8,035,000 |
| FHA-insured (Federal Housing Administration) | 2,911 | $401,954,000 | $138,000 | $740,000 | $62,000 | $550,000 |
| VA-guaranteed (Veterans Administration) | 226 | $42,375,000 | $187,000 | $730,000 | $73,000 | $273,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 101 | $10,840,000 | $107,000 | $204,000 | $44,000 | $74,000 |
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 | 11,425 | $2,164,527,000 | $189,000 | $4,171,000 | $110,000 | $3,813,000 |
| Loan Purchased By The Institution | 1,551 | $348,081,000 | $224,000 | $417,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1,340 | $243,325,000 | $181,000 | $1,300,000 | $106,000 | $8,035,000 |
| Application Denied By Financial Institution | 1,071 | $176,747,000 | $165,000 | $1,197,000 | $98,000 | $5,000,000 |
| Application Approved But Not Accepted | 250 | $51,462,000 | $205,000 | $1,000,000 | $110,000 | $933,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 364 | $64,084,000 | $176,000 | $1,197,000 | $130,000 | $5,000,000 |
| Credit Application Incomplete | 252 | $41,340,000 | $164,000 | $640,000 | $93,000 | $600,000 |
| Debt-To-Income Ratio | 181 | $30,806,000 | $170,000 | $985,000 | $65,000 | $602,000 |
| Other | 126 | $17,749,000 | $140,000 | $626,000 | $95,000 | $840,000 |
| Credit History | 75 | $10,236,000 | $136,000 | $417,000 | $67,000 | $400,000 |
| Unverifiable Information | 25 | $4,533,000 | $181,000 | $540,000 | $68,000 | $181,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $4,529,000 | $181,000 | $524,000 | $98,000 | $519,000 |
| Mortgage Insurance Denied | 16 | $2,616,000 | $163,000 | $349,000 | $86,000 | $136,000 |
| Employment History | 7 | $854,000 | $122,000 | $336,000 | $58,000 | $126,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Place Bank's 2010 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 First Place Bank'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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