The Union Bank Company Mortgage Lending & HMDA Data, 2023

In 2023, The Union Bank Company of Columbus Grove, OH reported 1,106 mortgage applications totaling $212.9 million, down 46% from 2022. The average application was for $192,495, and applicants reported an average income of $117,340. 71% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Columbus, OH (303), Lima, OH (144) and Toledo, OH (55) (applications in parentheses).

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 2025  2024  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 1,106
Total Mortgage Loan Application Amount $212,900,000
Average Mortgage Loan Application Amount $192,495
Highest Mortgage Loan Application Amount $1,775,000
Average Applicant Income $117,340
Highest Applicant Income $1,899,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Union Bank Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for The Union Bank Company by County in 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Franklin, Ohio 193 $ 47,775,000 $ 247,538 $ 147,000
Putnam, Ohio 186 $ 23,380,000 $ 125,698 $ 111,000
Allen, Ohio 144 $ 16,540,000 $ 114,861 $ 90,000
Delaware, Ohio 48 $ 16,030,000 $ 333,958 $ 199,000
Hancock, Ohio 48 $ 6,130,000 $ 127,708 $ 101,000
Wood, Ohio 44 $ 5,600,000 $ 127,272 $ 127,000
Marion, Ohio 43 $ 3,115,000 $ 72,441 $ 77,000
Sandusky, Ohio 27 $ 2,405,000 $ 89,074 $ 101,000
Van Wert, Ohio 27 $ 2,805,000 $ 103,888 $ 82,000
Fairfield, Ohio 20 $ 4,230,000 $ 211,500 $ 103,000
Union, Ohio 16 $ 5,000,000 $ 312,500 $ 145,000
Auglaize, Ohio 15 $ 1,345,000 $ 89,666 $ 61,000
Licking, Ohio 10 $ 2,410,000 $ 241,000 $ 111,000
Montgomery, Ohio 9 $ 1,625,000 $ 180,555 $ 108,000
Paulding, Ohio 9 $ 895,000 $ 99,444 $ 105,000
Champaign, Ohio 8 $ 1,400,000 $ 175,000 $ 104,000
Hamilton, Ohio 7 $ 1,735,000 $ 247,857 $ 123,000
Lucas, Ohio 7 $ 2,935,000 $ 419,285 $ 123,000
Logan, Ohio 6 $ 1,220,000 $ 203,333 $ 131,000
Morrow, Ohio 6 $ 1,320,000 $ 220,000 $ 83,000
Pickaway, Ohio 6 $ 1,490,000 $ 248,333 $ 110,000
Clark, Ohio 5 $ 1,515,000 $ 303,000 $ 153,000
Hardin, Ohio 5 $ 965,000 $ 193,000 $ 79,000
Mercer, Ohio 5 $ 565,000 $ 113,000 $ 86,000
Richland, Ohio 5 $ 925,000 $ 185,000 $ 85,000
Seneca, Ohio 5 $ 645,000 $ 129,000 $ 34,000
Lenawee, Michigan 4 $ 1,060,000 $ 265,000 $ 411,000
Ottawa, Ohio 4 $ 600,000 $ 150,000 $ 113,000
Pasco, Florida 3 $ 725,000 $ 241,666 $ 166,000
DuPage, Illinois 3 $ 685,000 $ 228,333 $ 80,000
Cuyahoga, Ohio 3 $ 775,000 $ 258,333 $ 234,000
Gallia, Ohio 3 $ 405,000 $ 135,000 $ 94,000
Henry, Ohio 3 $ 395,000 $ 131,666 $ 74,000
Huron, Ohio 3 $ 435,000 $ 145,000 $ 96,000
Madison, Ohio 3 $ 335,000 $ 111,666 $ 50,000
Mohave, Arizona 2 $ 740,000 $ 370,000 $ 150,000
Jefferson, Colorado 2 $ 1,300,000 $ 650,000 $ 136,000
Hernando, Florida 2 $ 620,000 $ 310,000 $ 84,000
Hillsborough, Florida 2 $ 1,060,000 $ 530,000 $ 144,000
Lake, Florida 2 $ 450,000 $ 225,000 $ 53,000
Lee, Florida 2 $ 450,000 $ 225,000 $ 138,000
Manatee, Florida 2 $ 590,000 $ 295,000 $ 102,000
Pinellas, Florida 2 $ 440,000 $ 220,000 $ 79,000
Cobb, Georgia 2 $ 600,000 $ 300,000 $ 76,000
Gwinnett, Georgia 2 $ 1,010,000 $ 505,000 $ 79,000
Hamilton, Indiana 2 $ 570,000 $ 285,000 $ 105,000
York, Maine 2 $ 520,000 $ 260,000 $ 54,000
Montgomery, Maryland 2 $ 500,000 $ 250,000 $ 55,000
Oakland, Michigan 2 $ 860,000 $ 430,000 $ 165,000
Scott, Minnesota 2 $ 940,000 $ 470,000 $ 142,000
Clark, Nevada 2 $ 1,000,000 $ 500,000 $ 101,000
Monmouth, New Jersey 2 $ 890,000 $ 445,000 $ 130,000
Bronx, New York 2 $ 850,000 $ 425,000 $ 80,000
Mecklenburg, North Carolina 2 $ 570,000 $ 285,000 $ 101,000
Surry, North Carolina 2 $ 830,000 $ 415,000 $ 155,000
Butler, Ohio 2 $ 300,000 $ 150,000 $ 106,000
Defiance, Ohio 2 $ 200,000 $ 100,000 $ 48,000
Greene, Ohio 2 $ 690,000 $ 345,000 $ 122,000
Guernsey, Ohio 2 $ 270,000 $ 135,000 $ 40,000
Knox, Ohio 2 $ 270,000 $ 135,000 $ 145,000
Muskingum, Ohio 2 $ 250,000 $ 125,000 $ 116,000
Summit, Ohio 2 $ 290,000 $ 145,000 $ 83,000
Dauphin, Pennsylvania 2 $ 390,000 $ 195,000 $ 47,000
Collin, Texas 2 $ 1,210,000 $ 605,000 $ 196,000
Hanover, Virginia 2 $ 610,000 $ 305,000 $ 70,000
Maricopa, Arizona 1 $ 405,000 $ 405,000 $ 83,000
Pima, Arizona 1 $ 245,000 $ 245,000 $ 68,000
Grant, Arkansas 1 $ 225,000 $ 225,000 $ 51,000
Montgomery, Arkansas 1 $ 255,000 $ 255,000 $ 52,000
Polk, Arkansas 1 $ 205,000 $ 205,000 $ 97,000
Adams, Colorado 1 $ 515,000 $ 515,000 $ 84,000
Arapahoe, Colorado 1 $ 205,000 $ 205,000 $ 45,000
Boulder, Colorado 1 $ 265,000 $ 265,000 $ 71,000
Douglas, Colorado 1 $ 575,000 $ 575,000 $ 116,000
El Paso, Colorado 1 $ 405,000 $ 405,000 $ 105,000
Broward, Florida 1 $ 255,000 $ 255,000 $ 64,000
Charlotte, Florida 1 $ 195,000 $ 195,000 $ 53,000
Flagler, Florida 1 $ 235,000 $ 235,000 $ 54,000
Orange, Florida 1 $ 295,000 $ 295,000 $ 88,000
Palm Beach, Florida 1 $ 395,000 $ 395,000 $ 75,000
Sumter, Florida 1 $ 505,000 $ 505,000 $ 149,000
Baldwin, Georgia 1 $ 245,000 $ 245,000 $ 62,000
Chatham, Georgia 1 $ 235,000 $ 235,000 $ 256,000
Clayton, Georgia 1 $ 85,000 $ 85,000 $ 101,000
Columbia, Georgia 1 $ 265,000 $ 265,000 $ 89,000
Coweta, Georgia 1 $ 195,000 $ 195,000 $ 49,000
Dawson, Georgia 1 $ 315,000 $ 315,000 $ 83,000
DeKalb, Georgia 1 $ 285,000 $ 285,000 $ 80,000
Fayette, Georgia 1 $ 235,000 $ 235,000 $ 52,000
Forsyth, Georgia 1 $ 505,000 $ 505,000 $ 258,000
Fulton, Georgia 1 $ 315,000 $ 315,000 $ 0
Ada, Idaho 1 $ 225,000 $ 225,000 $ 78,000
McHenry, Illinois 1 $ 285,000 $ 285,000 $ 150,000
Allen, Indiana 1 $ 105,000 $ 105,000 $ 23,000
Clark, Indiana 1 $ 215,000 $ 215,000 $ 129,000
Dearborn, Indiana 1 $ 175,000 $ 175,000 $ 162,000
Steuben, Indiana 1 $ 555,000 $ 555,000 $ 0
Boone, Kentucky 1 $ 285,000 $ 285,000 $ 73,000
Bullitt, Kentucky 1 $ 455,000 $ 455,000 $ 155,000
Jefferson, Kentucky 1 $ 65,000 $ 65,000 $ 253,000
Kenton, Kentucky 1 $ 185,000 $ 185,000 $ 56,000
Montgomery, Kentucky 1 $ 105,000 $ 105,000 $ 229,000
Owen, Kentucky 1 $ 205,000 $ 205,000 $ 103,000
Orleans, Louisiana 1 $ 745,000 $ 745,000 $ 327,000
Anne Arundel, Maryland 1 $ 305,000 $ 305,000 $ 74,000
Charles, Maryland 1 $ 255,000 $ 255,000 $ 130,000
Prince George's, Maryland 1 $ 235,000 $ 235,000 $ 74,000
Washington, Maryland 1 $ 165,000 $ 165,000 $ 71,000
Barnstable, Massachusetts 1 $ 405,000 $ 405,000 $ 72,000
Hampden, Massachusetts 1 $ 195,000 $ 195,000 $ 64,000
Middlesex, Massachusetts 1 $ 225,000 $ 225,000 $ 80,000
Branch, Michigan 1 $ 495,000 $ 495,000 $ 274,000
Kent, Michigan 1 $ 265,000 $ 265,000 $ 34,000
Leelanau, Michigan 1 $ 365,000 $ 365,000 $ 1,186,000
St. Clair, Michigan 1 $ 505,000 $ 505,000 $ 289,000
Wayne, Michigan 1 $ 535,000 $ 535,000 $ 303,000
Hennepin, Minnesota 1 $ 225,000 $ 225,000 $ 108,000
DeSoto, Mississippi 1 $ 305,000 $ 305,000 $ 59,000
St. Charles, Missouri 1 $ 335,000 $ 335,000 $ 49,000
St. Louis, Missouri 1 $ 215,000 $ 215,000 $ 68,000
Texas, Missouri 1 $ 215,000 $ 215,000 $ 106,000
Carroll, New Hampshire 1 $ 225,000 $ 225,000 $ 73,000
Hillsborough, New Hampshire 1 $ 425,000 $ 425,000 $ 161,000
Bergen, New Jersey 1 $ 305,000 $ 305,000 $ 72,000
Burlington, New Jersey 1 $ 155,000 $ 155,000 $ 95,000
Hudson, New Jersey 1 $ 225,000 $ 225,000 $ 80,000
Middlesex, New Jersey 1 $ 345,000 $ 345,000 $ 78,000
Erie, New York 1 $ 265,000 $ 265,000 $ 192,000
Richmond, New York 1 $ 165,000 $ 165,000 $ 29,000
Suffolk, New York 1 $ 405,000 $ 405,000 $ 95,000
Davie, North Carolina 1 $ 375,000 $ 375,000 $ 86,000
Forsyth, North Carolina 1 $ 305,000 $ 305,000 $ 110,000
Gaston, North Carolina 1 $ 265,000 $ 265,000 $ 63,000
Carroll, Ohio 1 $ 425,000 $ 425,000 $ 272,000
Clinton, Ohio 1 $ 255,000 $ 255,000 $ 58,000
Crawford, Ohio 1 $ 145,000 $ 145,000 $ 46,000
Geauga, Ohio 1 $ 345,000 $ 345,000 $ 151,000
Lorain, Ohio 1 $ 1,775,000 $ 1,775,000 $ 0
Medina, Ohio 1 $ 325,000 $ 325,000 $ 104,000
Noble, Ohio 1 $ 65,000 $ 65,000 $ 31,000
Perry, Ohio 1 $ 115,000 $ 115,000 $ 52,000
Portage, Ohio 1 $ 315,000 $ 315,000 $ 65,000
Shelby, Ohio 1 $ 225,000 $ 225,000 $ 115,000
Stark, Ohio 1 $ 335,000 $ 335,000 $ 78,000
Vinton, Ohio 1 $ 175,000 $ 175,000 $ 74,000
Warren, Ohio 1 $ 285,000 $ 285,000 $ 122,000
Wayne, Ohio 1 $ 55,000 $ 55,000 $ 94,000
Wyandot, Ohio 1 $ 105,000 $ 105,000 $ 53,000
Berks, Pennsylvania 1 $ 365,000 $ 365,000 $ 235,000
Bucks, Pennsylvania 1 $ 75,000 $ 75,000 $ 239,000
Montgomery, Pennsylvania 1 $ 245,000 $ 245,000 $ 50,000
Northampton, Pennsylvania 1 $ 305,000 $ 305,000 $ 69,000
Wayne, Pennsylvania 1 $ 275,000 $ 275,000 $ 49,000
Kent, Rhode Island 1 $ 305,000 $ 305,000 $ 147,000
Providence, Rhode Island 1 $ 525,000 $ 525,000 $ 145,000
Berkeley, South Carolina 1 $ 335,000 $ 335,000 $ 87,000
Charleston, South Carolina 1 $ 205,000 $ 205,000 $ 115,000
Cannon, Tennessee 1 $ 235,000 $ 235,000 $ 100,000
Cheatham, Tennessee 1 $ 305,000 $ 305,000 $ 148,000
Maury, Tennessee 1 $ 365,000 $ 365,000 $ 100,000
Robertson, Tennessee 1 $ 315,000 $ 315,000 $ 69,000
Rutherford, Tennessee 1 $ 375,000 $ 375,000 $ 97,000
Sevier, Tennessee 1 $ 325,000 $ 325,000 $ 263,000
Williamson, Tennessee 1 $ 155,000 $ 155,000 $ 47,000
Tarrant, Texas 1 $ 725,000 $ 725,000 $ 275,000
Salt Lake, Utah 1 $ 365,000 $ 365,000 $ 93,000
Chesterfield, Virginia 1 $ 425,000 $ 425,000 $ 111,000
Hampton, Virginia 1 $ 325,000 $ 325,000 $ 93,000
Henrico, Virginia 1 $ 205,000 $ 205,000 $ 41,000
Newport News, Virginia 1 $ 205,000 $ 205,000 $ 40,000
Virginia Beach, Virginia 1 $ 325,000 $ 325,000 $ 61,000
Wythe, Virginia 1 $ 245,000 $ 245,000 $ 80,000
Pierce, Washington 1 $ 295,000 $ 295,000 $ 94,000
Putnam, West Virginia 1 $ 175,000 $ 175,000 $ 59,000
Iron, Wisconsin 1 $ 215,000 $ 215,000 $ 155,000
Waukesha, Wisconsin 1 $ 345,000 $ 345,000 $ 65,000
Converse, Wyoming 1 $ 345,000 $ 345,000 $ 72,000
Natrona, Wyoming 1 $ 195,000 $ 195,000 $ 89,000

Mortgage Loan Application Detail Totals for The Union Bank Company in 2023

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 536 $132,240,000 $246,000 $1,775,000 $125,000 $1,899,000
Home Improvement 151 $14,025,000 $92,000 $605,000 $128,000 $1,086,000
Refinancing 146 $17,660,000 $120,000 $1,725,000 $110,000 $906,000
Cash-out Refinancing 140 $38,290,000 $273,000 $615,000 $94,000 $1,186,000
Other Purpose 133 $10,685,000 $80,000 $465,000 $107,000 $521,000
Not Applicable 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 854 $149,340,000 $174,000 $755,000 $119,000 $1,899,000
Not Provided 100 $28,050,000 $280,000 $835,000 $104,000 $484,000
Black or African American 45 $8,395,000 $186,000 $495,000 $108,000 $326,000
Not applicable 41 $13,205,000 $322,000 $1,775,000 $0 $0
Hispanic 30 $3,770,000 $125,000 $415,000 $76,000 $155,000
Asian 30 $7,990,000 $266,000 $605,000 $140,000 $295,000
American Indian or Alaskan Native 1 $85,000 $85,000 $85,000 $192,000 $192,000
Native Hawaiian or Other Pacific Islander 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) 949 $167,165,000 $176,000 $1,775,000 $122,000 $1,899,000
FHA-insured (Federal Housing Administration) 122 $33,820,000 $277,000 $615,000 $86,000 $258,000
VA-guaranteed (Veterans Administration) 33 $11,425,000 $346,000 $745,000 $106,000 $327,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $490,000 $245,000 $315,000 $81,000 $85,000

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 785 $146,695,000 $186,000 $1,725,000 $126,000 $1,899,000
Application Denied By Financial Institution 162 $28,680,000 $177,000 $745,000 $89,000 $1,186,000
Application Withdrawn By Applicant 116 $28,960,000 $249,000 $1,775,000 $110,000 $484,000
File Closed For Incompleteness 25 $6,115,000 $244,000 $725,000 $91,000 $229,000
Application Approved But Not Accepted 18 $2,450,000 $136,000 $375,000 $104,000 $372,000
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
Not applicable 944 $184,220,000 $195,000 $1,775,000 $122,000 $1,899,000
Debt-To-Income Ratio 74 $14,660,000 $198,000 $725,000 $74,000 $280,000
Credit History 53 $7,785,000 $146,000 $535,000 $87,000 $1,186,000
Collateral 18 $2,370,000 $131,000 $385,000 $132,000 $943,000
Credit Application Incomplete 7 $715,000 $102,000 $405,000 $124,000 $336,000
Other 5 $1,725,000 $345,000 $745,000 $142,000 $327,000
Unverifiable Information 4 $1,100,000 $275,000 $485,000 $62,000 $180,000
Employment History 1 $325,000 $325,000 $325,000 $93,000 $93,000
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 Union Bank Company's 2023 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.
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