The Ohio Valley Bank Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
The Ohio Valley Bank Company 2005 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 | The Ohio Valley Bank Company 420 Third Avenue Gallipolis, OH 45631 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,586 |
| Total Mortgage Loan Application Amount | $104,057,000 |
| Average Mortgage Loan Application Amount | $62,700 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $69,400 |
| Highest Applicant Income | $560,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with The Ohio Valley Bank Company. 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 The Ohio Valley Bank Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down The Ohio Valley Bank Company'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 The Ohio Valley Bank Company serves its applicants.
Each category highlights the total number of mortgage applications processed by The Ohio Valley Bank Company, 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 The Ohio Valley Bank Company's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gallia County Ohio | 409 | $ 30,455,000 | $ 74,000 | $ 59,000 |
| Mason County West Virginia | 193 | $ 11,060,000 | $ 57,000 | $ 52,000 |
| Pike County Ohio | 162 | $ 13,720,000 | $ 84,000 | $ 57,000 |
| Jackson County Ohio | 133 | $ 9,526,000 | $ 71,000 | $ 62,000 |
| Cabell County West Virginia | 127 | $ 6,071,000 | $ 47,000 | $ 45,000 |
| Kanawha County West Virginia | 100 | $ 4,967,000 | $ 49,000 | $ 53,000 |
| Putnam County West Virginia | 68 | $ 3,647,000 | $ 53,000 | $ 81,000 |
| Lawrence County Ohio | 59 | $ 4,057,000 | $ 68,000 | $ 53,000 |
| Wayne County West Virginia | 44 | $ 2,135,000 | $ 48,000 | $ 41,000 |
| Scioto County Ohio | 39 | $ 2,359,000 | $ 60,000 | $ 48,000 |
| Lincoln County West Virginia | 39 | $ 1,643,000 | $ 42,000 | $ 43,000 |
| Boone County West Virginia | 35 | $ 1,648,000 | $ 47,000 | $ 56,000 |
| Logan County West Virginia | 26 | $ 1,052,000 | $ 40,000 | $ 41,000 |
| Jackson County West Virginia | 23 | $ 1,226,000 | $ 53,000 | $ 44,000 |
| Meigs County Ohio | 21 | $ 1,158,000 | $ 55,000 | $ 53,000 |
| Ross County Ohio | 16 | $ 1,073,000 | $ 67,000 | $ 54,000 |
| Franklin County Ohio | 9 | $ 2,995,000 | $ 332,000 | $ 147,000 |
| Vinton County Ohio | 9 | $ 432,000 | $ 48,000 | $ 41,000 |
| Roane County West Virginia | 9 | $ 289,000 | $ 32,000 | $ 38,000 |
| Greenup County Kentucky | 6 | $ 302,000 | $ 50,000 | $ 29,000 |
| Boyd County Kentucky | 5 | $ 254,000 | $ 50,000 | $ 51,000 |
| Fayette County West Virginia | 4 | $ 129,000 | $ 32,000 | $ 31,000 |
| Mingo County West Virginia | 4 | $ 163,000 | $ 40,000 | $ 54,000 |
| Wood County West Virginia | 4 | $ 180,000 | $ 45,000 | $ 81,000 |
| Lawrence County Kentucky | 3 | $ 121,000 | $ 40,000 | $ 43,000 |
| Pickaway County Ohio | 3 | $ 183,000 | $ 61,000 | $ 90,000 |
| Washington County Ohio | 3 | $ 270,000 | $ 90,000 | $ 65,000 |
| Brevard County Florida | 2 | $ 263,000 | $ 131,000 | $ 104,000 |
| Floyd County Kentucky | 2 | $ 86,000 | $ 43,000 | $ 26,000 |
| Adams County Ohio | 2 | $ 111,000 | $ 55,000 | $ 21,000 |
| Athens County Ohio | 2 | $ 237,000 | $ 118,000 | $ 90,000 |
| Delaware County Ohio | 2 | $ 327,000 | $ 163,000 | $ 124,000 |
| Highland County Ohio | 2 | $ 115,000 | $ 57,000 | $ 89,000 |
| Logan County Ohio | 2 | $ 220,000 | $ 110,000 | $ 426,000 |
| Clay County West Virginia | 2 | $ 53,000 | $ 26,000 | $ 22,000 |
| Wyoming County West Virginia | 2 | $ 133,000 | $ 66,000 | $ 64,000 |
| Maricopa County Arizona | 1 | $ 40,000 | $ 40,000 | $ 101,000 |
| Carter County Kentucky | 1 | $ 58,000 | $ 58,000 | $ 22,000 |
| Lewis County Kentucky | 1 | $ 38,000 | $ 38,000 | $ 32,000 |
| Martin County Kentucky | 1 | $ 54,000 | $ 54,000 | $ 52,000 |
| Clermont County Ohio | 1 | $ 18,000 | $ 18,000 | $ 55,000 |
| Erie County Ohio | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Fairfield County Ohio | 1 | $ 139,000 | $ 139,000 | $ 37,000 |
| Fayette County Ohio | 1 | $ 50,000 | $ 50,000 | $ 82,000 |
| Hamilton County Ohio | 1 | $ 371,000 | $ 371,000 | $ 79,000 |
| Licking County Ohio | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Muskingum County Ohio | 1 | $ 96,000 | $ 96,000 | $ 133,000 |
| Spotsylvania County Virginia | 1 | $ 34,000 | $ 34,000 | $ 81,000 |
| Pleasants County West Virginia | 1 | $ 29,000 | $ 29,000 | $ 35,000 |
| Randolph County West Virginia | 1 | $ 61,000 | $ 61,000 | $ 72,000 |
| Wirt County West Virginia | 1 | $ 59,000 | $ 59,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for The Ohio Valley Bank 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 | 1,020 | $62,681,000 | $63,000 | $842,000 | $71,500 | $560,000 |
| Refinancing | 344 | $32,470,000 | $88,000 | $1,100,000 | $68,500 | $510,000 |
| Home Improvement | 222 | $8,906,000 | $36,500 | $875,000 | $64,000 | $400,000 |
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 | 1,531 | $99,876,000 | $62,500 | $1,100,000 | $72,500 | $560,000 |
| Not Provided | 34 | $2,047,000 | $54,666 | $371,000 | $42,333 | $201,000 |
| Black or African American | 9 | $983,000 | $83,000 | $304,000 | $106,000 | $474,000 |
| Not applicable | 5 | $276,000 | $45,500 | $106,000 | $193,500 | $294,000 |
| Asian | 4 | $433,000 | $90,000 | $328,000 | $92,000 | $172,000 |
| Hispanic | 2 | $342,000 | $171,000 | $222,000 | $49,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $174,000 | $174,000 |
| 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) | 1,586 | $104,057,000 | $63,333 | $1,100,000 | $73,333 | $560,000 |
| 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 | 932 | $68,598,000 | $70,600 | $1,100,000 | $84,400 | $560,000 |
| Application Denied By Financial Institution | 464 | $24,044,000 | $47,500 | $639,000 | $47,750 | $360,000 |
| Application Withdrawn By Applicant | 174 | $10,435,000 | $59,000 | $320,000 | $53,500 | $280,000 |
| File Closed For Incompleteness | 10 | $546,000 | $46,500 | $172,000 | $42,500 | $113,000 |
| Application Approved But Not Accepted | 6 | $434,000 | $72,000 | $184,000 | $26,500 | $48,000 |
| 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 | 342 | $16,126,000 | $44,250 | $170,000 | $45,000 | $143,000 |
| Debt-To-Income Ratio | 99 | $6,899,000 | $66,500 | $639,000 | $38,500 | $360,000 |
| Collateral | 9 | $414,000 | $35,000 | $184,000 | $41,500 | $103,000 |
| Other | 6 | $241,000 | $40,000 | $60,000 | $58,000 | $158,000 |
| Employment History | 6 | $290,000 | $49,000 | $129,000 | $35,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $39,000 | $39,000 | $39,000 | $41,000 | $41,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $96,000 | $96,000 |
| Credit Application Incomplete | 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 Ohio Valley Bank 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 Ohio Valley Bank 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.