The Union Bank Company Mortgage Lending & HMDA Data, 2024

In 2024, The Union Bank Company of Columbus Grove, OH reported 1,022 mortgage applications totaling $229.0 million, down 8% from 2023. The average application was for $224,099, and applicants reported an average income of $122,335. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Columbus, OH (308), Lima, OH (136) and Toledo, OH (70) (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 1,022
Total Mortgage Loan Application Amount $229,030,000
Average Mortgage Loan Application Amount $224,099
Highest Mortgage Loan Application Amount $4,355,000
Average Applicant Income $122,335
Highest Applicant Income $1,417,000

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(HMDA) records The Union Bank Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Franklin, Ohio 192 $ 57,230,000 $ 298,072 $ 142,000
Allen, Ohio 136 $ 22,760,000 $ 167,352 $ 106,000
Putnam, Ohio 122 $ 13,280,000 $ 108,852 $ 98,000
Delaware, Ohio 55 $ 18,875,000 $ 343,181 $ 184,000
Wood, Ohio 49 $ 4,575,000 $ 93,367 $ 95,000
Paulding, Ohio 36 $ 2,600,000 $ 72,222 $ 103,000
Marion, Ohio 29 $ 3,715,000 $ 128,103 $ 87,000
Hancock, Ohio 25 $ 2,665,000 $ 106,600 $ 88,000
Sandusky, Ohio 23 $ 2,355,000 $ 102,391 $ 72,000
Lucas, Ohio 19 $ 7,725,000 $ 406,578 $ 115,000
Licking, Ohio 17 $ 5,765,000 $ 339,117 $ 136,000
Union, Ohio 14 $ 3,350,000 $ 239,285 $ 227,000
Auglaize, Ohio 11 $ 1,255,000 $ 114,090 $ 85,000
Fairfield, Ohio 9 $ 3,475,000 $ 386,111 $ 173,000
Hardin, Ohio 9 $ 1,635,000 $ 181,666 $ 94,000
Madison, Ohio 9 $ 2,735,000 $ 303,888 $ 107,000
Van Wert, Ohio 8 $ 660,000 $ 82,500 $ 100,000
Henry, Ohio 7 $ 965,000 $ 137,857 $ 102,000
Champaign, Ohio 6 $ 920,000 $ 153,333 $ 77,000
Logan, Ohio 6 $ 1,120,000 $ 186,666 $ 169,000
Muskingum, Ohio 6 $ 1,200,000 $ 200,000 $ 61,000
Cook, Illinois 5 $ 1,755,000 $ 351,000 $ 127,000
Hillsborough, New Hampshire 5 $ 2,125,000 $ 425,000 $ 152,000
Knox, Ohio 5 $ 715,000 $ 143,000 $ 163,000
Maricopa, Arizona 4 $ 1,480,000 $ 370,000 $ 138,000
Montgomery, Ohio 4 $ 800,000 $ 200,000 $ 217,000
Richland, Ohio 4 $ 780,000 $ 195,000 $ 71,000
El Paso, Colorado 3 $ 1,215,000 $ 405,000 $ 26,000
Fulton, Georgia 3 $ 875,000 $ 291,666 $ 77,000
Macon, Illinois 3 $ 265,000 $ 88,333 $ 175,000
Monroe, Michigan 3 $ 495,000 $ 165,000 $ 125,000
Middlesex, New Jersey 3 $ 745,000 $ 248,333 $ 116,000
Clark, Ohio 3 $ 635,000 $ 211,666 $ 144,000
Greene, Ohio 3 $ 565,000 $ 188,333 $ 104,000
Hocking, Ohio 3 $ 595,000 $ 198,333 $ 101,000
Lorain, Ohio 3 $ 865,000 $ 288,333 $ 128,000
Morrow, Ohio 3 $ 455,000 $ 151,666 $ 112,000
Ottawa, Ohio 3 $ 475,000 $ 158,333 $ 161,000
Perry, Ohio 3 $ 575,000 $ 191,666 $ 120,000
Pickaway, Ohio 3 $ 1,025,000 $ 341,666 $ 105,000
Riverside, California 2 $ 820,000 $ 410,000 $ 94,000
Adams, Colorado 2 $ 720,000 $ 360,000 $ 65,000
Denver, Colorado 2 $ 820,000 $ 410,000 $ 141,000
Orange, Florida 2 $ 780,000 $ 390,000 $ 102,000
Chatham, Georgia 2 $ 680,000 $ 340,000 $ 284,000
Gwinnett, Georgia 2 $ 450,000 $ 225,000 $ 101,000
York, Maine 2 $ 690,000 $ 345,000 $ 126,000
Frederick, Maryland 2 $ 420,000 $ 210,000 $ 88,000
Prince George's, Maryland 2 $ 790,000 $ 395,000 $ 82,000
Essex, Massachusetts 2 $ 790,000 $ 395,000 $ 125,000
Oakland, Michigan 2 $ 1,210,000 $ 605,000 $ 221,000
Harrison, Mississippi 2 $ 660,000 $ 330,000 $ 141,000
St. Charles, Missouri 2 $ 660,000 $ 330,000 $ 145,000
Ocean, New Jersey 2 $ 710,000 $ 355,000 $ 100,000
Onondaga, New York 2 $ 370,000 $ 185,000 $ 495,000
Crawford, Ohio 2 $ 420,000 $ 210,000 $ 94,000
Cuyahoga, Ohio 2 $ 660,000 $ 330,000 $ 148,000
Erie, Ohio 2 $ 80,000 $ 40,000 $ 111,000
Fayette, Ohio 2 $ 390,000 $ 195,000 $ 121,000
Fulton, Ohio 2 $ 290,000 $ 145,000 $ 147,000
Gallia, Ohio 2 $ 290,000 $ 145,000 $ 111,000
Miami, Ohio 2 $ 580,000 $ 290,000 $ 100,000
Ross, Ohio 2 $ 470,000 $ 235,000 $ 84,000
Seneca, Ohio 2 $ 260,000 $ 130,000 $ 84,000
Dauphin, Pennsylvania 2 $ 580,000 $ 290,000 $ 102,000
Greenville, South Carolina 2 $ 600,000 $ 300,000 $ 161,000
Salt Lake, Utah 2 $ 880,000 $ 440,000 $ 100,000
Virginia Beach, Virginia 2 $ 710,000 $ 355,000 $ 102,000
Washington, Arkansas 1 $ 365,000 $ 365,000 $ 120,000
Grand, Colorado 1 $ 305,000 $ 305,000 $ 155,000
Capitol Planning Region, Connecticut 1 $ 365,000 $ 365,000 $ 83,000
Kent, Delaware 1 $ 355,000 $ 355,000 $ 95,000
New Castle, Delaware 1 $ 475,000 $ 475,000 $ 90,000
Bay, Florida 1 $ 505,000 $ 505,000 $ 466,000
Brevard, Florida 1 $ 325,000 $ 325,000 $ 83,000
Broward, Florida 1 $ 635,000 $ 635,000 $ 553,000
Charlotte, Florida 1 $ 285,000 $ 285,000 $ 0
Citrus, Florida 1 $ 455,000 $ 455,000 $ 295,000
Manatee, Florida 1 $ 245,000 $ 245,000 $ 55,000
Martin, Florida 1 $ 265,000 $ 265,000 $ 67,000
Monroe, Florida 1 $ 765,000 $ 765,000 $ 732,000
Palm Beach, Florida 1 $ 275,000 $ 275,000 $ 45,000
Pasco, Florida 1 $ 275,000 $ 275,000 $ 92,000
Pinellas, Florida 1 $ 425,000 $ 425,000 $ 75,000
Sarasota, Florida 1 $ 445,000 $ 445,000 $ 109,000
St. Johns, Florida 1 $ 195,000 $ 195,000 $ 75,000
Taylor, Florida 1 $ 335,000 $ 335,000 $ 56,000
Cobb, Georgia 1 $ 575,000 $ 575,000 $ 265,000
Fayette, Georgia 1 $ 265,000 $ 265,000 $ 58,000
Floyd, Georgia 1 $ 265,000 $ 265,000 $ 133,000
Henry, Georgia 1 $ 215,000 $ 215,000 $ 90,000
Walton, Georgia 1 $ 505,000 $ 505,000 $ 192,000
DuPage, Illinois 1 $ 105,000 $ 105,000 $ 50,000
Kendall, Illinois 1 $ 345,000 $ 345,000 $ 86,000
Ogle, Illinois 1 $ 365,000 $ 365,000 $ 267,000
Winnebago, Illinois 1 $ 235,000 $ 235,000 $ 89,000
Hamilton, Indiana 1 $ 395,000 $ 395,000 $ 0
Kosciusko, Indiana 1 $ 595,000 $ 595,000 $ 209,000
Lake, Indiana 1 $ 385,000 $ 385,000 $ 156,000
Marion, Indiana 1 $ 285,000 $ 285,000 $ 122,000
Porter, Indiana 1 $ 285,000 $ 285,000 $ 81,000
Tippecanoe, Indiana 1 $ 305,000 $ 305,000 $ 120,000
Vanderburgh, Indiana 1 $ 245,000 $ 245,000 $ 78,000
Sedgwick, Kansas 1 $ 235,000 $ 235,000 $ 106,000
Shawnee, Kansas 1 $ 425,000 $ 425,000 $ 187,000
Boone, Kentucky 1 $ 255,000 $ 255,000 $ 68,000
Bullitt, Kentucky 1 $ 345,000 $ 345,000 $ 120,000
Ohio, Kentucky 1 $ 375,000 $ 375,000 $ 125,000
Orleans, Louisiana 1 $ 295,000 $ 295,000 $ 42,000
St. Tammany, Louisiana 1 $ 425,000 $ 425,000 $ 224,000
Baltimore, Maryland 1 $ 315,000 $ 315,000 $ 132,000
Carroll, Maryland 1 $ 285,000 $ 285,000 $ 142,000
Norfolk, Massachusetts 1 $ 525,000 $ 525,000 $ 148,000
Suffolk, Massachusetts 1 $ 265,000 $ 265,000 $ 0
Lenawee, Michigan 1 $ 205,000 $ 205,000 $ 213,000
Wright, Minnesota 1 $ 415,000 $ 415,000 $ 115,000
Greene, Missouri 1 $ 355,000 $ 355,000 $ 144,000
Lincoln, Missouri 1 $ 265,000 $ 265,000 $ 62,000
St. Louis, Missouri 1 $ 325,000 $ 325,000 $ 144,000
St. Louis City, Missouri 1 $ 305,000 $ 305,000 $ 163,000
Clark, Nevada 1 $ 315,000 $ 315,000 $ 76,000
Lyon, Nevada 1 $ 405,000 $ 405,000 $ 109,000
Grafton, New Hampshire 1 $ 425,000 $ 425,000 $ 127,000
Strafford, New Hampshire 1 $ 215,000 $ 215,000 $ 194,000
Monmouth, New Jersey 1 $ 415,000 $ 415,000 $ 150,000
Sandoval, New Mexico 1 $ 265,000 $ 265,000 $ 89,000
Orange, New York 1 $ 255,000 $ 255,000 $ 92,000
Saratoga, New York 1 $ 405,000 $ 405,000 $ 89,000
Durham, North Carolina 1 $ 335,000 $ 335,000 $ 195,000
Forsyth, North Carolina 1 $ 235,000 $ 235,000 $ 102,000
Guilford, North Carolina 1 $ 305,000 $ 305,000 $ 72,000
Rockingham, North Carolina 1 $ 375,000 $ 375,000 $ 102,000
Surry, North Carolina 1 $ 435,000 $ 435,000 $ 153,000
Clermont, Ohio 1 $ 335,000 $ 335,000 $ 331,000
Defiance, Ohio 1 $ 145,000 $ 145,000 $ 49,000
Guernsey, Ohio 1 $ 185,000 $ 185,000 $ 41,000
Jackson, Ohio 1 $ 205,000 $ 205,000 $ 65,000
Mahoning, Ohio 1 $ 405,000 $ 405,000 $ 110,000
Medina, Ohio 1 $ 235,000 $ 235,000 $ 55,000
Mercer, Ohio 1 $ 75,000 $ 75,000 $ 76,000
Summit, Ohio 1 $ 205,000 $ 205,000 $ 105,000
Warren, Ohio 1 $ 325,000 $ 325,000 $ 89,000
Muskogee, Oklahoma 1 $ 155,000 $ 155,000 $ 25,000
Benton, Oregon 1 $ 395,000 $ 395,000 $ 110,000
Crook, Oregon 1 $ 315,000 $ 315,000 $ 93,000
Allegheny, Pennsylvania 1 $ 295,000 $ 295,000 $ 242,000
Lehigh, Pennsylvania 1 $ 405,000 $ 405,000 $ 73,000
Montgomery, Pennsylvania 1 $ 395,000 $ 395,000 $ 165,000
Northampton, Pennsylvania 1 $ 305,000 $ 305,000 $ 108,000
Susquehanna, Pennsylvania 1 $ 245,000 $ 245,000 $ 91,000
Union, Pennsylvania 1 $ 355,000 $ 355,000 $ 186,000
York, Pennsylvania 1 $ 275,000 $ 275,000 $ 80,000
Bristol, Rhode Island 1 $ 425,000 $ 425,000 $ 202,000
Providence, Rhode Island 1 $ 525,000 $ 525,000 $ 151,000
Aiken, South Carolina 1 $ 315,000 $ 315,000 $ 70,000
Pickens, South Carolina 1 $ 275,000 $ 275,000 $ 116,000
Richland, South Carolina 1 $ 255,000 $ 255,000 $ 68,000
Davidson, Tennessee 1 $ 525,000 $ 525,000 $ 185,000
Fayette, Tennessee 1 $ 305,000 $ 305,000 $ 160,000
Knox, Tennessee 1 $ 345,000 $ 345,000 $ 69,000
Madison, Tennessee 1 $ 465,000 $ 465,000 $ 184,000
Maury, Tennessee 1 $ 375,000 $ 375,000 $ 121,000
Polk, Tennessee 1 $ 65,000 $ 65,000 $ 298,000
Robertson, Tennessee 1 $ 255,000 $ 255,000 $ 73,000
Rutherford, Tennessee 1 $ 305,000 $ 305,000 $ 82,000
Sevier, Tennessee 1 $ 385,000 $ 385,000 $ 334,000
Shelby, Tennessee 1 $ 105,000 $ 105,000 $ 58,000
Franklin, Vermont 1 $ 285,000 $ 285,000 $ 67,000
Hanover, Virginia 1 $ 295,000 $ 295,000 $ 67,000
Norfolk, Virginia 1 $ 255,000 $ 255,000 $ 120,000
Stafford, Virginia 1 $ 305,000 $ 305,000 $ 52,000
York, Virginia 1 $ 345,000 $ 345,000 $ 228,000
Mason, West Virginia 1 $ 125,000 $ 125,000 $ 102,000
Dane, Wisconsin 1 $ 355,000 $ 355,000 $ 51,000
St. Croix, Wisconsin 1 $ 295,000 $ 295,000 $ 104,000
Washington, Wisconsin 1 $ 355,000 $ 355,000 $ 150,000
Waukesha, Wisconsin 1 $ 455,000 $ 455,000 $ 113,000
Albany, Wyoming 1 $ 455,000 $ 455,000 $ 154,000
Converse, Wyoming 1 $ 305,000 $ 305,000 $ 72,000
Natrona, Wyoming 1 $ 275,000 $ 275,000 $ 61,000

Mortgage Loan Application Detail Totals for The Union Bank Company in 2024

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 457 $126,605,000 $277,000 $4,355,000 $135,000 $1,002,000
Refinancing 161 $28,095,000 $174,000 $2,575,000 $109,000 $527,000
Cash-out Refinancing 158 $48,960,000 $309,000 $525,000 $116,000 $495,000
Home Improvement 139 $15,175,000 $109,000 $3,345,000 $119,000 $1,417,000
Other Purpose 107 $10,195,000 $95,000 $545,000 $102,000 $387,000
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 768 $146,990,000 $191,000 $1,005,000 $118,000 $1,417,000
Not Provided 125 $35,805,000 $286,000 $1,005,000 $157,000 $553,000
Not applicable 45 $26,055,000 $579,000 $4,355,000 $0 $0
Hispanic 31 $6,485,000 $209,000 $515,000 $96,000 $263,000
Black or African American 27 $6,525,000 $241,000 $565,000 $90,000 $314,000
Asian 22 $6,460,000 $293,000 $735,000 $132,000 $250,000
American Indian or Alaskan Native 4 $710,000 $177,000 $325,000 $58,000 $90,000
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) 867 $180,185,000 $207,000 $4,355,000 $126,000 $1,417,000
FHA-insured (Federal Housing Administration) 120 $37,110,000 $309,000 $525,000 $96,000 $331,000
VA-guaranteed (Veterans Administration) 28 $10,280,000 $367,000 $805,000 $115,000 $295,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $1,455,000 $207,000 $265,000 $73,000 $105,000

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 742 $163,900,000 $220,000 $4,355,000 $122,000 $1,002,000
Application Withdrawn By Applicant 126 $36,920,000 $293,000 $1,005,000 $159,000 $1,417,000
Application Denied By Financial Institution 122 $21,160,000 $173,000 $635,000 $89,000 $430,000
Application Approved But Not Accepted 16 $2,070,000 $129,000 $445,000 $101,000 $289,000
File Closed For Incompleteness 16 $4,980,000 $311,000 $535,000 $99,000 $223,000
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 900 $207,870,000 $230,000 $4,355,000 $127,000 $1,417,000
Debt-To-Income Ratio 51 $10,745,000 $210,000 $545,000 $74,000 $226,000
Credit History 50 $7,080,000 $141,000 $635,000 $103,000 $430,000
Collateral 12 $1,650,000 $137,000 $375,000 $92,000 $194,000
Credit Application Incomplete 4 $170,000 $42,000 $55,000 $25,000 $38,000
Unverifiable Information 3 $835,000 $278,000 $425,000 $99,000 $127,000
Employment History 1 $445,000 $445,000 $445,000 $250,000 $250,000
Insufficient Cash (Downpayment, Closing Cost) 1 $235,000 $235,000 $235,000 $95,000 $95,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into The Union Bank Company's 2024 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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