The Bankers Guarantee Title & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, The Bankers Guarantee Title & Trust Company of Medina, OH reported 178 mortgage applications totaling $22.7 million, down 46% from 2004. The average application was for $127,477, and applicants reported an average income of $63,544. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Akron, OH (77), Cleveland-Elyria-Mentor, OH (45) and Dayton, OH (16) (applications in parentheses).
| Mortgage Company & Address | The Bankers Guarantee Title & Trust Company 1113 Medina Road Suite # 400 Medina, OH 44256 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 178 |
| Total Mortgage Loan Application Amount | $22,691,000 |
| Average Mortgage Loan Application Amount | $127,477 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $63,544 |
| Highest Applicant Income | $348,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Bankers Guarantee Title & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Summit, Ohio | 46 | $ 6,002,000 | $ 130,478 | $ 75,000 |
| Portage, Ohio | 31 | $ 4,435,000 | $ 143,064 | $ 68,000 |
| Lake, Ohio | 30 | $ 3,863,000 | $ 128,766 | $ 67,000 |
| Montgomery, Ohio | 15 | $ 1,438,000 | $ 95,866 | $ 47,000 |
| Wayne, Ohio | 13 | $ 1,215,000 | $ 93,461 | $ 43,000 |
| Stark, Ohio | 10 | $ 1,119,000 | $ 111,900 | $ 55,000 |
| Cuyahoga, Ohio | 8 | $ 1,045,000 | $ 130,625 | $ 82,000 |
| Geauga, Ohio | 5 | $ 806,000 | $ 161,200 | $ 49,000 |
| Ashtabula, Ohio | 3 | $ 286,000 | $ 95,333 | $ 55,000 |
| Trumbull, Ohio | 3 | $ 281,000 | $ 93,666 | $ 52,000 |
| Ashland, Ohio | 2 | $ 273,000 | $ 136,500 | $ 86,000 |
| Lorain, Ohio | 2 | $ 334,000 | $ 167,000 | $ 163,000 |
| Mahoning, Ohio | 2 | $ 418,000 | $ 209,000 | $ 59,000 |
| Warren, Ohio | 2 | $ 354,000 | $ 177,000 | $ 89,000 |
| Carroll, Ohio | 1 | $ 129,000 | $ 129,000 | $ 43,000 |
| Clark, Ohio | 1 | $ 68,000 | $ 68,000 | $ 34,000 |
| Clermont, Ohio | 1 | $ 203,000 | $ 203,000 | $ 68,000 |
| Greene, Ohio | 1 | $ 124,000 | $ 124,000 | $ 49,000 |
| Hamilton, Ohio | 1 | $ 194,000 | $ 194,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for The Bankers Guarantee Title & Trust Company in 2005
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 | 97 | $12,093,000 | $124,000 | $320,000 | $64,000 | $276,000 |
| Refinancing | 81 | $10,598,000 | $130,000 | $360,000 | $63,000 | $348,000 |
| Home Improvement | 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 | 171 | $22,034,000 | $128,000 | $360,000 | $66,000 | $348,000 |
| Not Provided | 3 | $240,000 | $80,000 | $97,000 | $45,000 | $58,000 |
| Black or African American | 2 | $200,000 | $100,000 | $150,000 | $47,000 | $67,000 |
| Hispanic | 1 | $132,000 | $132,000 | $132,000 | $36,000 | $36,000 |
| Asian | 1 | $85,000 | $85,000 | $85,000 | $80,000 | $80,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 178 | $22,691,000 | $127,000 | $360,000 | $63,000 | $348,000 |
| 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 | 163 | $20,903,000 | $128,000 | $360,000 | $67,000 | $348,000 |
| Application Denied By Financial Institution | 9 | $1,153,000 | $128,000 | $250,000 | $53,000 | $134,000 |
| Application Withdrawn By Applicant | 4 | $439,000 | $109,000 | $124,000 | $54,000 | $71,000 |
| File Closed For Incompleteness | 2 | $196,000 | $98,000 | $119,000 | $73,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 6 | $840,000 | $140,000 | $250,000 | $64,000 | $134,000 |
| Collateral | 2 | $149,000 | $74,000 | $86,000 | $31,000 | $34,000 |
| Debt-To-Income Ratio | 1 | $164,000 | $164,000 | $164,000 | $34,000 | $34,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bankers Guarantee Title & Trust Company's 2005 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 The Bankers Guarantee Title & 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.
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