The Union Bank Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
The Union Bank Company 2003 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 Union Bank Company 105 Progressive Drive Columbus Grove, OH 45830 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,791 |
| Total Mortgage Loan Application Amount | $173,043,000 |
| Average Mortgage Loan Application Amount | $140,125 |
| Highest Mortgage Loan Application Amount | $653,000 |
| Average Applicant Income | $141,250 |
| Highest Applicant Income | $769,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with The Union 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 Union Bank Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down The Union 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 Union Bank Company serves its applicants.
Each category highlights the total number of mortgage applications processed by The Union 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 Union Bank Company's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allen County Ohio | 671 | $ 66,099,000 | $ 98,000 | $ 66,000 |
| Putnam County Ohio | 620 | $ 57,167,000 | $ 92,000 | $ 45,000 |
| Van Wert County Ohio | 159 | $ 13,264,000 | $ 83,000 | $ 43,000 |
| Wood County Ohio | 124 | $ 12,575,000 | $ 101,000 | $ 50,000 |
| Auglaize County Ohio | 51 | $ 4,512,000 | $ 88,000 | $ 46,000 |
| Sandusky County Ohio | 30 | $ 3,008,000 | $ 100,000 | $ 125,000 |
| Hardin County Ohio | 25 | $ 2,532,000 | $ 101,000 | $ 63,000 |
| Hancock County Ohio | 22 | $ 2,866,000 | $ 130,000 | $ 72,000 |
| Logan County Ohio | 11 | $ 1,352,000 | $ 122,000 | $ 80,000 |
| Henry County Ohio | 7 | $ 557,000 | $ 79,000 | $ 43,000 |
| Mercer County Ohio | 7 | $ 1,039,000 | $ 148,000 | $ 75,000 |
| Franklin County Ohio | 5 | $ 615,000 | $ 123,000 | $ 101,000 |
| Defiance County Ohio | 4 | $ 523,000 | $ 130,000 | $ 77,000 |
| Shelby County Ohio | 4 | $ 311,000 | $ 77,000 | $ 42,000 |
| Steuben County Indiana | 3 | $ 670,000 | $ 223,000 | $ 80,000 |
| Delaware County Ohio | 3 | $ 549,000 | $ 183,000 | $ 109,000 |
| Lucas County Ohio | 3 | $ 364,000 | $ 121,000 | $ 40,000 |
| Ottawa County Ohio | 3 | $ 251,000 | $ 83,000 | $ 67,000 |
| Paulding County Ohio | 3 | $ 213,000 | $ 71,000 | $ 32,000 |
| Charlotte County Florida | 2 | $ 215,000 | $ 107,000 | $ 58,000 |
| Lee County Florida | 2 | $ 685,000 | $ 342,000 | $ 284,000 |
| Palm Beach County Florida | 2 | $ 208,000 | $ 104,000 | $ 114,000 |
| Cook County Illinois | 2 | $ 254,000 | $ 127,000 | $ 91,000 |
| Allen County Indiana | 2 | $ 274,000 | $ 137,000 | $ 97,000 |
| Hancock County Mississippi | 2 | $ 216,000 | $ 108,000 | $ 103,000 |
| Darke County Ohio | 2 | $ 146,000 | $ 73,000 | $ 32,000 |
| Seneca County Ohio | 2 | $ 186,000 | $ 93,000 | $ 37,000 |
| Collier County Florida | 1 | $ 230,000 | $ 230,000 | $ 96,000 |
| Lake County Florida | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Polk County Florida | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| St. Lucie County Florida | 1 | $ 130,000 | $ 130,000 | $ 447,000 |
| Adams County Indiana | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Delaware County Indiana | 1 | $ 180,000 | $ 180,000 | $ 109,000 |
| Benzie County Michigan | 1 | $ 300,000 | $ 300,000 | $ 249,000 |
| Branch County Michigan | 1 | $ 137,000 | $ 137,000 | $ 338,000 |
| Olmsted County Minnesota | 1 | $ 299,000 | $ 299,000 | $ 194,000 |
| Orleans County New York | 1 | $ 62,000 | $ 62,000 | $ 408,000 |
| Champaign County Ohio | 1 | $ 24,000 | $ 24,000 | $ 35,000 |
| Crawford County Ohio | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Erie County Ohio | 1 | $ 66,000 | $ 66,000 | $ 143,000 |
| Hamilton County Ohio | 1 | $ 136,000 | $ 136,000 | $ 68,000 |
| Montgomery County Ohio | 1 | $ 66,000 | $ 66,000 | $ 38,000 |
| Pickaway County Ohio | 1 | $ 113,000 | $ 113,000 | $ 30,000 |
| Richland County Ohio | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Wyandot County Ohio | 1 | $ 89,000 | $ 89,000 | $ 68,000 |
| Bucks County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Cache County Utah | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for The Union Bank Company in 2003
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 (home purchase or home improvement, one-to-four family) | 1,484 | $140,752,000 | $124,285 | $653,000 | $124,428 | $447,000 |
| Home Purchase (one-to-four family) | 305 | $32,232,000 | $167,875 | $560,000 | $167,625 | $769,000 |
| Home Improvement (one-to-four family) | 2 | $59,000 | $29,000 | $47,000 | $48,000 | $57,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,710 | $165,812,000 | $156,250 | $653,000 | $174,500 | $769,000 |
| Information not provided by applicant in mail or telephone application | 66 | $5,552,000 | $105,000 | $323,000 | $59,250 | $130,000 |
| Hispanic | 6 | $413,000 | $68,000 | $106,000 | $36,000 | $75,000 |
| Black | 5 | $296,000 | $59,000 | $83,000 | $49,000 | $82,000 |
| Asian or Pacific Islander | 4 | $970,000 | $242,000 | $323,000 | $149,000 | $305,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 1,791 | $173,043,000 | $148,500 | $653,000 | $147,300 | $769,000 |
| 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 | 1,351 | $130,075,000 | $156,500 | $560,000 | $179,500 | $769,000 |
| Application Withdrawn By Applicant | 243 | $25,414,000 | $123,333 | $550,000 | $73,000 | $390,000 |
| Application Denied By Financial Institution | 192 | $16,598,000 | $111,250 | $297,000 | $49,500 | $130,000 |
| Loan Purchased By The Institution | 4 | $303,000 | $75,000 | $115,000 | $46,000 | $96,000 |
| Application Approved But Not Accepted | 1 | $653,000 | $653,000 | $653,000 | $302,000 | $302,000 |
| File Closed For Incompleteness | 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 | 122 | $10,166,000 | $96,500 | $214,000 | $63,500 | $121,000 |
| Unverifiable Information | 24 | $2,177,000 | $90,000 | $171,000 | $38,000 | $130,000 |
| Collateral | 22 | $2,011,000 | $112,000 | $198,000 | $43,000 | $108,000 |
| Employment History | 9 | $764,000 | $98,000 | $168,000 | $35,000 | $73,000 |
| Mortgage Insurance Denied | 6 | $451,000 | $75,000 | $120,000 | $46,000 | $62,000 |
| Debt-To-Income Ratio | 5 | $628,000 | $125,000 | $297,000 | $40,000 | $71,000 |
| Credit Application Incomplete | 2 | $113,000 | $56,000 | $80,000 | $23,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $288,000 | $144,000 | $258,000 | $51,000 | $80,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Union Bank Company's 2003 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 Union 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.