The Bankers Guarantee Title & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, The Bankers Guarantee Title & Trust Company of Medina, OH reported 171 mortgage applications totaling $26.0 million, up 20% from 2014. The average application was for $152,000, and applicants reported an average income of $77,497. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cleveland-Elyria, OH (75), Toledo, OH (60) and Akron, OH (14) (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 | 171 |
| Total Mortgage Loan Application Amount | $25,992,000 |
| Average Mortgage Loan Application Amount | $152,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $77,497 |
| Highest Applicant Income | $727,000 |
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Bankers Guarantee Title & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lake, Ohio | 52 | $ 8,482,000 | $ 163,115 | $ 82,000 |
| Lucas, Ohio | 28 | $ 3,505,000 | $ 125,178 | $ 53,000 |
| Fulton, Ohio | 23 | $ 3,071,000 | $ 133,521 | $ 54,000 |
| Summit, Ohio | 13 | $ 2,304,000 | $ 177,230 | $ 79,000 |
| Cuyahoga, Ohio | 10 | $ 1,585,000 | $ 158,500 | $ 115,000 |
| Wood, Ohio | 9 | $ 1,452,000 | $ 161,333 | $ 50,000 |
| Geauga, Ohio | 8 | $ 1,446,000 | $ 180,750 | $ 75,000 |
| Delaware, Ohio | 4 | $ 881,000 | $ 220,250 | $ 93,000 |
| Medina, Ohio | 4 | $ 589,000 | $ 147,250 | $ 88,000 |
| Ashtabula, Ohio | 3 | $ 366,000 | $ 122,000 | $ 73,000 |
| Stark, Ohio | 3 | $ 344,000 | $ 114,666 | $ 96,000 |
| Union, Ohio | 3 | $ 642,000 | $ 214,000 | $ 100,000 |
| Franklin, Ohio | 2 | $ 201,000 | $ 100,500 | $ 101,000 |
| Guernsey, Ohio | 1 | $ 104,000 | $ 104,000 | $ 104,000 |
| Harrison, Ohio | 1 | $ 107,000 | $ 107,000 | $ 53,000 |
| Henry, Ohio | 1 | $ 83,000 | $ 83,000 | $ 39,000 |
| Licking, Ohio | 1 | $ 287,000 | $ 287,000 | $ 90,000 |
| Lorain, Ohio | 1 | $ 184,000 | $ 184,000 | $ 130,000 |
| Madison, Ohio | 1 | $ 114,000 | $ 114,000 | $ 727,000 |
| Montgomery, Ohio | 1 | $ 56,000 | $ 56,000 | $ 39,000 |
| Portage, Ohio | 1 | $ 64,000 | $ 64,000 | $ 66,000 |
| Williams, Ohio | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for The Bankers Guarantee Title & Trust Company 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 | 115 | $16,102,000 | $140,000 | $417,000 | $68,000 | $397,000 |
| Refinancing | 56 | $9,890,000 | $176,000 | $348,000 | $97,000 | $727,000 |
| 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 | 164 | $25,125,000 | $153,000 | $417,000 | $78,000 | $727,000 |
| Black or African American | 5 | $675,000 | $135,000 | $304,000 | $68,000 | $125,000 |
| Asian | 2 | $192,000 | $96,000 | $98,000 | $24,000 | $24,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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 |
| 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) | 154 | $23,784,000 | $154,000 | $417,000 | $82,000 | $727,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,208,000 | $129,000 | $259,000 | $35,000 | $78,000 |
| 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 | 150 | $22,911,000 | $152,000 | $417,000 | $76,000 | $397,000 |
| Application Withdrawn By Applicant | 11 | $1,479,000 | $134,000 | $259,000 | $45,000 | $112,000 |
| Application Denied By Financial Institution | 9 | $1,527,000 | $169,000 | $303,000 | $137,000 | $727,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $101,000 | $101,000 |
| 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 | 1 | $127,000 | $127,000 | $127,000 | $50,000 | $50,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bankers Guarantee Title & Trust Company'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 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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