Ohio Commerce Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Ohio Commerce Bank 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ohio Commerce Bank 24400 Chagrin Boulevard, Suite 100 Beachwood, OH 44122 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 |
| Total Number of Mortgage Applications | 333 |
| Total Mortgage Loan Application Amount | $51,394,000 |
| Average Mortgage Loan Application Amount | $135,333 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $666 |
| Highest Applicant Income | $185,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Ohio Commerce Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ohio Commerce Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down Ohio Commerce Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ohio Commerce Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Ohio Commerce Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ohio Commerce Bank's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allen County Indiana | 63 | $ 7,805,000 | $ 123,000 | $ 0 |
| Hamilton County Indiana | 54 | $ 11,599,000 | $ 214,000 | $ 0 |
| Marion County Indiana | 48 | $ 6,417,000 | $ 133,000 | $ 0 |
| St. Joseph County Indiana | 31 | $ 3,843,000 | $ 123,000 | $ 0 |
| Lucas County Ohio | 26 | $ 3,432,000 | $ 132,000 | $ 0 |
| Wood County Ohio | 11 | $ 1,857,000 | $ 168,000 | $ 0 |
| Cuyahoga County Ohio | 10 | $ 2,920,000 | $ 292,000 | $ 23,000 |
| Elkhart County Indiana | 9 | $ 884,000 | $ 98,000 | $ 0 |
| Hendricks County Indiana | 4 | $ 431,000 | $ 107,000 | $ 0 |
| Madison County Indiana | 4 | $ 369,000 | $ 92,000 | $ 0 |
| Williams County Ohio | 4 | $ 311,000 | $ 77,000 | $ 0 |
| Huntington County Indiana | 3 | $ 518,000 | $ 172,000 | $ 0 |
| LaGrange County Indiana | 3 | $ 288,000 | $ 96,000 | $ 0 |
| Rush County Indiana | 3 | $ 275,000 | $ 91,000 | $ 0 |
| Oakland County Michigan | 3 | $ 590,000 | $ 196,000 | $ 0 |
| Defiance County Ohio | 3 | $ 436,000 | $ 145,000 | $ 0 |
| Fulton County Ohio | 3 | $ 303,000 | $ 101,000 | $ 0 |
| Ottawa County Ohio | 3 | $ 730,000 | $ 243,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 413,000 | $ 206,000 | $ 0 |
| Pima County Arizona | 2 | $ 578,000 | $ 289,000 | $ 0 |
| Adams County Indiana | 2 | $ 157,000 | $ 78,000 | $ 0 |
| Henry County Indiana | 2 | $ 148,000 | $ 74,000 | $ 0 |
| Johnson County Indiana | 2 | $ 210,000 | $ 105,000 | $ 0 |
| LaPorte County Indiana | 2 | $ 494,000 | $ 247,000 | $ 0 |
| Noble County Indiana | 2 | $ 234,000 | $ 117,000 | $ 0 |
| Tippecanoe County Indiana | 2 | $ 259,000 | $ 129,000 | $ 0 |
| Wells County Indiana | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Whitley County Indiana | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Geauga County Ohio | 2 | $ 540,000 | $ 270,000 | $ 75,000 |
| Los Angeles County California | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Orange County California | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Boone County Indiana | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Clinton County Indiana | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Floyd County Indiana | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Franklin County Indiana | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Jay County Indiana | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Kosciusko County Indiana | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Monroe County Indiana | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Montgomery County Indiana | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Putnam County Indiana | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Steuben County Indiana | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Tipton County Indiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Wabash County Indiana | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Hillsdale County Michigan | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Jackson County Michigan | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Kent County Michigan | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Livingston County Michigan | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Macomb County Michigan | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Ottawa County Michigan | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Wayne County Michigan | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Henry County Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lorain County Ohio | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Miami County Ohio | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Paulding County Ohio | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Summit County Ohio | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Ohio Commerce 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 | 228 | $38,666,000 | $169,000 | $950,000 | $2,000 | $185,000 |
| Home Purchase | 103 | $12,496,000 | $121,000 | $417,000 | $0 | $0 |
| Home Improvement | 2 | $232,000 | $116,000 | $140,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 328 | $50,206,000 | $153,000 | $950,000 | $0 | $0 |
| White | 4 | $1,113,000 | $278,000 | $380,000 | $110,000 | $185,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $46,000 | $46,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 197 | $33,584,000 | $170,000 | $950,000 | $2,000 | $185,000 |
| FHA-insured (Federal Housing Administration) | 122 | $15,561,000 | $127,000 | $273,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 11 | $1,992,000 | $181,000 | $335,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $257,000 | $85,000 | $116,000 | $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 Purchased By The Institution | 320 | $47,669,000 | $148,000 | $417,000 | $0 | $0 |
| Loan Originated | 7 | $2,262,000 | $323,000 | $950,000 | $0 | $0 |
| Application Denied By Financial Institution | 3 | $658,000 | $219,000 | $308,000 | $77,000 | $185,000 |
| Application Withdrawn By Applicant | 3 | $805,000 | $268,000 | $380,000 | $85,000 | $150,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ohio Commerce 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 Ohio Commerce 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.