Somerville National Bank, The
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Somerville National Bank, The 2015 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 | Somerville National Bank, The 197 North South Main Street Somerville, OH 45064 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 372 |
| Total Mortgage Loan Application Amount | $44,627,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $706,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $522,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Somerville National Bank, The. 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 Somerville National Bank, The's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Somerville National Bank, The'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 Somerville National Bank, The serves its applicants.
Each category highlights the total number of mortgage applications processed by Somerville National Bank, The, 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 Somerville National Bank, The's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Preble County Ohio | 151 | $ 16,835,000 | $ 111,000 | $ 66,000 |
| Wayne County Indiana | 96 | $ 9,545,000 | $ 99,000 | $ 50,000 |
| Butler County Ohio | 55 | $ 7,344,000 | $ 133,000 | $ 75,000 |
| Montgomery County Ohio | 23 | $ 3,008,000 | $ 130,000 | $ 98,000 |
| Warren County Ohio | 7 | $ 1,712,000 | $ 244,000 | $ 107,000 |
| Union County Indiana | 5 | $ 646,000 | $ 129,000 | $ 62,000 |
| Campbell County Tennessee | 5 | $ 1,002,000 | $ 200,000 | $ 153,000 |
| Randolph County Indiana | 4 | $ 273,000 | $ 68,000 | $ 40,000 |
| Fayette County Indiana | 3 | $ 151,000 | $ 50,000 | $ 28,000 |
| Darke County Ohio | 2 | $ 532,000 | $ 266,000 | $ 131,000 |
| Franklin County Ohio | 2 | $ 387,000 | $ 193,000 | $ 128,000 |
| Miami County Ohio | 2 | $ 399,000 | $ 199,000 | $ 100,000 |
| St. Johns County Florida | 1 | $ 122,000 | $ 122,000 | $ 80,000 |
| Volusia County Florida | 1 | $ 180,000 | $ 180,000 | $ 47,000 |
| Franklin County Indiana | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
| Hamilton County Indiana | 1 | $ 230,000 | $ 230,000 | $ 188,000 |
| Henry County Indiana | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Madison County Indiana | 1 | $ 59,000 | $ 59,000 | $ 67,000 |
| Boone County Kentucky | 1 | $ 360,000 | $ 360,000 | $ 74,000 |
| Campbell County Kentucky | 1 | $ 226,000 | $ 226,000 | $ 51,000 |
| Russell County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 43,000 |
| Chippewa County Michigan | 1 | $ 69,000 | $ 69,000 | $ 153,000 |
| Clark County Ohio | 1 | $ 90,000 | $ 90,000 | $ 123,000 |
| Clermont County Ohio | 1 | $ 324,000 | $ 324,000 | $ 93,000 |
| Delaware County Ohio | 1 | $ 276,000 | $ 276,000 | $ 177,000 |
| Hamilton County Ohio | 1 | $ 143,000 | $ 143,000 | $ 49,000 |
| Mercer County Ohio | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Sumner County Tennessee | 1 | $ 142,000 | $ 142,000 | $ 160,000 |
| Oneida County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for Somerville National Bank, The in 2015
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 Purchase | 294 | $34,824,000 | $118,000 | $706,000 | $65,000 | $522,000 |
| Refinancing | 76 | $9,618,000 | $126,000 | $415,000 | $82,000 | $509,000 |
| Home Improvement | 2 | $185,000 | $92,000 | $170,000 | $42,000 | $53,000 |
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 | 360 | $42,208,000 | $117,000 | $706,000 | $68,000 | $522,000 |
| Not Provided | 4 | $387,000 | $96,000 | $152,000 | $58,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,032,000 | $258,000 | $360,000 | $104,000 | $236,000 |
| Asian | 2 | $779,000 | $389,000 | $413,000 | $216,000 | $228,000 |
| Black or African American | 1 | $50,000 | $50,000 | $50,000 | $22,000 | $22,000 |
| Hispanic | 1 | $171,000 | $171,000 | $171,000 | $79,000 | $79,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 219 | $27,402,000 | $125,000 | $706,000 | $81,000 | $522,000 |
| FHA-insured (Federal Housing Administration) | 68 | $7,188,000 | $105,000 | $247,000 | $53,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $6,370,000 | $99,000 | $350,000 | $43,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,667,000 | $174,000 | $400,000 | $70,000 | $212,000 |
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 | 351 | $42,518,000 | $121,000 | $706,000 | $70,000 | $522,000 |
| Application Denied By Financial Institution | 15 | $1,375,000 | $91,000 | $261,000 | $46,000 | $122,000 |
| Application Withdrawn By Applicant | 6 | $734,000 | $122,000 | $259,000 | $62,000 | $153,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $466,000 | $51,000 | $82,000 | $28,000 | $43,000 |
| Debt-To-Income Ratio | 3 | $314,000 | $104,000 | $139,000 | $81,000 | $122,000 |
| Employment History | 1 | $246,000 | $246,000 | $246,000 | $74,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $261,000 | $261,000 | $261,000 | $91,000 | $91,000 |
| Collateral | 1 | $88,000 | $88,000 | $88,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 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 Somerville National Bank, The's 2015 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 Somerville National Bank, The'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.