The Union Bank Company Mortgage Lending & HMDA Data, 2022

In 2022, The Union Bank Company of Columbus Grove, OH reported 2,054 mortgage applications totaling $454.5 million, down 28% from 2021. The average application was for $221,251, and applicants reported an average income of $109,835. 68% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Columbus, OH (466), Lima, OH (208) 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 2,054
Total Mortgage Loan Application Amount $454,450,000
Average Mortgage Loan Application Amount $221,251
Highest Mortgage Loan Application Amount $5,625,000
Average Applicant Income $109,835
Highest Applicant Income $2,303,000

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(HMDA) records The Union Bank Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2022

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 681 $ 98,465,000 $ 144,588 $ 87,298
Columbus, OH 466 $ 122,480,000 $ 262,832 $ 143,000
Lima, OH 208 $ 40,160,000 $ 193,076 $ 88,000
Toledo, OH 70 $ 8,730,000 $ 124,714 $ 98,000
Cincinnati, OH-KY-IN 51 $ 11,115,000 $ 217,941 $ 89,196
Atlanta-Sandy Springs-Roswell, GA 44 $ 13,760,000 $ 312,727 $ 135,000
New York-Jersey City-White Plains, NY-NJ 29 $ 11,935,000 $ 411,551 $ 149,724
Cleveland-Elyria, OH 27 $ 3,585,000 $ 132,777 $ 155,000
Las Vegas-Henderson-Paradise, NV 24 $ 8,090,000 $ 337,083 $ 98,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 20 $ 6,990,000 $ 349,500 $ 97,000
Dayton-Springfield-Kettering, OH 17 $ 3,445,000 $ 202,647 $ 105,000
Nassau County-Suffolk County, NY 17 $ 6,915,000 $ 406,764 $ 150,000
Chicago-Naperville, IL 15 $ 4,235,000 $ 282,333 $ 136,000
Charlotte-Concord-Gastonia, NC-SC 13 $ 3,855,000 $ 296,538 $ 105,615
Minneapolis-St. Paul-Bloomington, MN-WI 12 $ 3,320,000 $ 276,666 $ 104,000
Providence-Warwick, RI-MA 11 $ 3,595,000 $ 326,818 $ 109,272
Kansas City, MO-KS 10 $ 2,450,000 $ 245,000 $ 148,600
Baltimore-Columbia-Towson, MD 9 $ 3,085,000 $ 342,777 $ 115,000
Akron, OH 8 $ 1,290,000 $ 161,250 $ 111,000
Greenville-Anderson-Mauldin, SC 8 $ 2,190,000 $ 273,750 $ 84,000
Indianapolis-Carmel-Anderson, IN 8 $ 2,300,000 $ 287,500 $ 134,000
Pittsburgh, PA 7 $ 2,125,000 $ 303,571 $ 112,000
Boise City, ID 6 $ 1,920,000 $ 320,000 $ 107,000
Boston, MA 6 $ 2,550,000 $ 425,000 $ 166,000
Mansfield, OH 6 $ 2,120,000 $ 353,333 $ 137,000
Montgomery County-Bucks County-Chester County, PA 6 $ 2,310,000 $ 385,000 $ 192,000
Newark, NJ-PA 6 $ 2,920,000 $ 486,666 $ 140,000
Springfield, OH 6 $ 410,000 $ 68,333 $ 78,000
Tampa-St. Petersburg-Clearwater, FL 6 $ 1,700,000 $ 283,333 $ 91,000
Albany-Schenectady-Troy, NY 5 $ 1,715,000 $ 343,000 $ 173,000
Buffalo-Cheektowaga-Niagara Falls, NY 5 $ 1,605,000 $ 321,000 $ 81,000
Cambridge-Newton-Framingham, MA 5 $ 1,965,000 $ 393,000 $ 162,000
Denver-Aurora-Lakewood, CO 5 $ 3,045,000 $ 609,000 $ 128,000
Gary, IN 5 $ 1,745,000 $ 349,000 $ 139,000
Jacksonville, FL 5 $ 1,215,000 $ 243,000 $ 113,000
Knoxville, TN 5 $ 1,395,000 $ 279,000 $ 154,000
Louisville/Jefferson County, KY-IN 5 $ 1,435,000 $ 287,000 $ 153,000
New York-Newark, NY 5 $ 1,625,000 $ 325,000 $ 124,200
Phoenix-Mesa-Scottsdale, AZ 5 $ 1,255,000 $ 251,000 $ 57,000
Portland-South Portland, ME 5 $ 1,575,000 $ 315,000 $ 107,000
Raleigh, NC 5 $ 1,585,000 $ 317,000 $ 94,000
Worcester, MA-CT 5 $ 1,745,000 $ 349,000 $ 95,000
Birmingham-Hoover, AL 4 $ 920,000 $ 230,000 $ 72,000
Canton-Massillon, OH 4 $ 1,190,000 $ 297,500 $ 143,000
Cape Coral-Fort Myers, FL 4 $ 1,430,000 $ 357,500 $ 92,000
Charleston-North Charleston, SC 4 $ 1,290,000 $ 322,500 $ 90,000
Colorado Springs, CO 4 $ 1,430,000 $ 357,500 $ 121,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 4 $ 890,000 $ 222,500 $ 94,000
Hartford-West Hartford-East Hartford, CT 4 $ 960,000 $ 240,000 $ 113,000
North Port-Sarasota-Bradenton, FL 4 $ 1,650,000 $ 412,500 $ 179,000
Warren-Troy-Farmington Hills, MI 4 $ 1,050,000 $ 262,500 $ 119,000
Albuquerque, NM 3 $ 825,000 $ 275,000 $ 116,000
Allentown-Bethlehem-Easton, PA-NJ 3 $ 615,000 $ 205,000 $ 69,000
Bridgeport-Stamford-Norwalk, CT 3 $ 1,015,000 $ 338,333 $ 171,000
Columbia, SC 3 $ 735,000 $ 245,000 $ 90,000
Elgin, IL 3 $ 785,000 $ 261,666 $ 128,000
Grand Rapids-Wyoming, MI 3 $ 835,000 $ 278,333 $ 89,000
Mobile, AL 3 $ 615,000 $ 205,000 $ 78,000
New Orleans-Metairie, LA 3 $ 1,045,000 $ 348,333 $ 92,000
Ocala, FL 3 $ 585,000 $ 195,000 $ 96,000
Orlando-Kissimmee-Sanford, FL 3 $ 635,000 $ 211,666 $ 120,000
Pensacola-Ferry Pass-Brent, FL 3 $ 815,000 $ 271,666 $ 89,000
Philadelphia, PA 3 $ 645,000 $ 215,000 $ 64,000
Portland-Vancouver-Hillsboro, OR-WA 3 $ 975,000 $ 325,000 $ 92,333
Riverside-San Bernardino-Ontario, CA 3 $ 1,075,000 $ 358,333 $ 92,000
Seattle-Bellevue-Everett, WA 3 $ 1,125,000 $ 375,000 $ 83,000
St. Louis, MO-IL 3 $ 975,000 $ 325,000 $ 118,000
Wilmington, DE-MD-NJ 3 $ 875,000 $ 291,666 $ 79,000
Youngstown-Warren-Boardman, OH-PA 3 $ 385,000 $ 128,333 $ 165,000
Clarksville, TN-KY 2 $ 410,000 $ 205,000 $ 59,500
Columbus, GA-AL 2 $ 730,000 $ 365,000 $ 122,000
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 840,000 $ 420,000 $ 281,000
Fayetteville, NC 2 $ 450,000 $ 225,000 $ 70,000
Fayetteville-Springdale-Rogers, AR-MO 2 $ 470,000 $ 235,000 $ 115,000
Gulfport-Biloxi-Pascagoula, MS 2 $ 610,000 $ 305,000 $ 125,000
Lake County-Kenosha County, IL-WI 2 $ 660,000 $ 330,000 $ 181,500
Lakeland-Winter Haven, FL 2 $ 670,000 $ 335,000 $ 137,000
Lubbock, TX 2 $ 310,000 $ 155,000 $ 183,000
Nashville-Davidson--Murfreesboro--Franklin, TN 2 $ 850,000 $ 425,000 $ 160,000
New Haven-Milford, CT 2 $ 590,000 $ 295,000 $ 123,000
Omaha-Council Bluffs, NE-IA 2 $ 490,000 $ 245,000 $ 138,000
Richmond, VA 2 $ 580,000 $ 290,000 $ 220,000
Rockingham County-Strafford County, NH 2 $ 460,000 $ 230,000 $ 110,000
Salt Lake City, UT 2 $ 730,000 $ 365,000 $ 116,000
Sioux Falls, SD 2 $ 720,000 $ 360,000 $ 165,000
Spokane-Spokane Valley, WA 2 $ 670,000 $ 335,000 $ 96,000
Trenton, NJ 2 $ 520,000 $ 260,000 $ 71,000
West Palm Beach-Boca Raton-Delray Beach, FL 2 $ 650,000 $ 325,000 $ 63,000
Wheeling, WV-OH 2 $ 280,000 $ 140,000 $ 54,000
Winston-Salem, NC 2 $ 590,000 $ 295,000 $ 102,000
Alexandria, LA 1 $ 225,000 $ 225,000 $ 202,000
Augusta-Richmond County, GA-SC 1 $ 375,000 $ 375,000 $ 80,000
Barnstable Town, MA 1 $ 295,000 $ 295,000 $ 26,000
Baton Rouge, LA 1 $ 155,000 $ 155,000 $ 70,000
Bloomington, IN 1 $ 235,000 $ 235,000 $ 93,000
Burlington-South Burlington, VT 1 $ 295,000 $ 295,000 $ 65,000
Coeur D'Alene, ID 1 $ 245,000 $ 245,000 $ 236,000
Columbia, MO 1 $ 215,000 $ 215,000 $ 113,000
Crestview-Fort Walton Beach-Destin, FL 1 $ 195,000 $ 195,000 $ 57,000
Detroit-Dearborn-Livonia, MI 1 $ 195,000 $ 195,000 $ 69,000
Durham-Chapel Hill, NC 1 $ 225,000 $ 225,000 $ 115,000
Evansville, IN-KY 1 $ 235,000 $ 235,000 $ 58,000
Fort Collins, CO 1 $ 585,000 $ 585,000 $ 145,000
Fort Wayne, IN 1 $ 155,000 $ 155,000 $ 39,000
Gainesville, GA 1 $ 465,000 $ 465,000 $ 334,000
Grand Forks, ND-MN 1 $ 305,000 $ 305,000 $ 73,000
Grants Pass, OR 1 $ 265,000 $ 265,000 $ 68,000
Great Falls, MT 1 $ 165,000 $ 165,000 $ 50,000
Greeley, CO 1 $ 205,000 $ 205,000 $ 53,000
Greensboro-High Point, NC 1 $ 255,000 $ 255,000 $ 99,000
Hickory-Lenoir-Morganton, NC 1 $ 265,000 $ 265,000 $ 81,000
Houston-The Woodlands-Sugar Land, TX 1 $ 285,000 $ 285,000 $ 70,000
Huntsville, AL 1 $ 235,000 $ 235,000 $ 82,000
Ithaca, NY 1 $ 175,000 $ 175,000 $ 55,000
Lafayette, LA 1 $ 335,000 $ 335,000 $ 221,000
Lake Havasu City-Kingman, AZ 1 $ 245,000 $ 245,000 $ 83,000
Lawrence, KS 1 $ 295,000 $ 295,000 $ 102,000
Lawton, OK 1 $ 175,000 $ 175,000 $ 219,000
Lebanon, PA 1 $ 265,000 $ 265,000 $ 77,000
Miami-Miami Beach-Kendall, FL 1 $ 555,000 $ 555,000 $ 78,000
Missoula, MT 1 $ 365,000 $ 365,000 $ 100,000
Norwich-New London, CT 1 $ 275,000 $ 275,000 $ 98,000
Oakland-Hayward-Berkeley, CA 1 $ 365,000 $ 365,000 $ 72,000
Oklahoma City, OK 1 $ 355,000 $ 355,000 $ 163,000
Owensboro, KY 1 $ 135,000 $ 135,000 $ 37,000
Palm Bay-Melbourne-Titusville, FL 1 $ 545,000 $ 545,000 $ 310,000
Panama City, FL 1 $ 305,000 $ 305,000 $ 60,000
Port St. Lucie, FL 1 $ 275,000 $ 275,000 $ 62,000
Reading, PA 1 $ 45,000 $ 45,000 $ 140,000
Reno, NV 1 $ 525,000 $ 525,000 $ 156,000
Roanoke, VA 1 $ 205,000 $ 205,000 $ 62,000
Rome, GA 1 $ 355,000 $ 355,000 $ 142,000
Salisbury, MD-DE 1 $ 355,000 $ 355,000 $ 198,000
San Diego-Carlsbad, CA 1 $ 305,000 $ 305,000 $ 128,000
Santa Fe, NM 1 $ 305,000 $ 305,000 $ 58,000
Savannah, GA 1 $ 135,000 $ 135,000 $ 125,000
Shreveport-Bossier City, LA 1 $ 195,000 $ 195,000 $ 86,000
Springfield, MA 1 $ 265,000 $ 265,000 $ 66,000
Springfield, MO 1 $ 275,000 $ 275,000 $ 57,000
Syracuse, NY 1 $ 175,000 $ 175,000 $ 94,000
Tacoma-Lakewood, WA 1 $ 265,000 $ 265,000 $ 57,000
The Villages, FL 1 $ 495,000 $ 495,000 $ 145,000
Tulsa, OK 1 $ 235,000 $ 235,000 $ 87,000
Vineland-Bridgeton, NJ 1 $ 245,000 $ 245,000 $ 86,000
Virginia Beach-Norfolk-Newport News, VA-NC 1 $ 375,000 $ 375,000 $ 189,000
Washington-Baltimore-Arlington, DC 1 $ 335,000 $ 335,000 $ 124,000
Wausau, WI 1 $ 295,000 $ 295,000 $ 62,000
Wichita, KS 1 $ 265,000 $ 265,000 $ 223,000
Winchester, VA-WV 1 $ 265,000 $ 265,000 $ 37,000
York-Hanover, PA 1 $ 195,000 $ 195,000 $ 50,000

Mortgage Loan Application Detail Totals for The Union Bank Company in 2022

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 845 $190,365,000 $225,000 $1,575,000 $110,000 $2,303,000
Cash-out Refinancing 588 $169,260,000 $287,000 $965,000 $114,000 $695,000
Refinancing 256 $58,620,000 $228,000 $4,905,000 $101,000 $826,000
Home Improvement 191 $21,915,000 $114,000 $5,625,000 $118,000 $2,135,000
Other Purpose 174 $14,290,000 $82,000 $495,000 $99,000 $753,000
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 1,532 $293,990,000 $191,000 $1,505,000 $108,000 $2,303,000
Not Provided 198 $56,600,000 $285,000 $895,000 $118,000 $451,000
Black or African American 113 $27,905,000 $246,000 $535,000 $108,000 $326,000
Not applicable 72 $43,750,000 $607,000 $5,625,000 $0 $0
Hispanic 63 $14,705,000 $233,000 $675,000 $122,000 $825,000
Asian 53 $12,785,000 $241,000 $685,000 $124,000 $371,000
American Indian or Alaskan Native 6 $1,360,000 $226,000 $455,000 $125,000 $223,000
Native Hawaiian or Other Pacific Islander 5 $785,000 $157,000 $315,000 $93,000 $103,000

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) 1,709 $355,015,000 $207,000 $5,625,000 $113,000 $2,303,000
FHA-insured (Federal Housing Administration) 269 $73,485,000 $273,000 $895,000 $95,000 $300,000
VA-guaranteed (Veterans Administration) 71 $25,165,000 $354,000 $875,000 $111,000 $253,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $785,000 $157,000 $255,000 $57,000 $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 1,393 $289,305,000 $207,000 $4,705,000 $112,000 $2,135,000
Application Withdrawn By Applicant 266 $65,880,000 $247,000 $5,625,000 $118,000 $2,303,000
File Closed For Incompleteness 192 $55,290,000 $287,000 $895,000 $111,000 $413,000
Application Denied By Financial Institution 182 $40,270,000 $221,000 $4,905,000 $82,000 $421,000
Application Approved But Not Accepted 21 $3,705,000 $176,000 $495,000 $85,000 $226,000
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 1,872 $414,180,000 $221,000 $5,625,000 $113,000 $2,303,000
Debt-To-Income Ratio 78 $16,900,000 $216,000 $695,000 $69,000 $192,000
Credit History 56 $13,520,000 $241,000 $4,905,000 $79,000 $277,000
Collateral 23 $4,925,000 $214,000 $475,000 $116,000 $285,000
Other 12 $2,560,000 $213,000 $365,000 $117,000 $421,000
Insufficient Cash (Downpayment, Closing Cost) 4 $1,050,000 $262,000 $425,000 $81,000 $109,000
Credit Application Incomplete 4 $300,000 $75,000 $135,000 $60,000 $113,000
Unverifiable Information 3 $625,000 $208,000 $375,000 $82,000 $145,000
Employment History 2 $390,000 $195,000 $355,000 $93,000 $99,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into The Union Bank Company's 2022 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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