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(HMDA) records The Union Bank Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 323 | $ 41,355,000 | $ 128,034 | $ 99,582 |
| Columbus, OH | 308 | $ 94,080,000 | $ 305,454 | $ 152,000 |
| Lima, OH | 136 | $ 22,760,000 | $ 167,352 | $ 106,000 |
| Toledo, OH | 70 | $ 12,590,000 | $ 179,857 | $ 101,000 |
| Dayton-Springfield-Kettering, OH | 9 | $ 1,945,000 | $ 216,111 | $ 153,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 2,310,000 | $ 288,750 | $ 96,000 |
| Chicago-Naperville, IL | 6 | $ 1,860,000 | $ 310,000 | $ 114,000 |
| Cleveland, OH | 6 | $ 1,760,000 | $ 293,333 | $ 122,000 |
| Lakewood-New Brunswick, NJ | 6 | $ 1,870,000 | $ 311,666 | $ 116,000 |
| Manchester-Nashua, NH | 5 | $ 2,125,000 | $ 425,000 | $ 152,000 |
| Sandusky, OH | 5 | $ 555,000 | $ 111,000 | $ 141,000 |
| St. Louis, MO-IL | 5 | $ 1,555,000 | $ 311,000 | $ 131,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,540,000 | $ 385,000 | $ 103,000 |
| Mansfield, OH | 4 | $ 780,000 | $ 195,000 | $ 71,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,460,000 | $ 365,000 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,480,000 | $ 370,000 | $ 138,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,310,000 | $ 327,500 | $ 138,000 |
| Cincinnati, OH-KY-IN | 3 | $ 915,000 | $ 305,000 | $ 162,666 |
| Colorado Springs, CO | 3 | $ 1,215,000 | $ 405,000 | $ 26,000 |
| Decatur, IL | 3 | $ 265,000 | $ 88,333 | $ 175,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 875,000 | $ 291,666 | $ 146,000 |
| Monroe, MI | 3 | $ 495,000 | $ 165,000 | $ 125,000 |
| Springfield, OH | 3 | $ 635,000 | $ 211,666 | $ 144,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 710,000 | $ 355,000 | $ 90,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 600,000 | $ 300,000 | $ 137,000 |
| Boston, MA | 2 | $ 790,000 | $ 395,000 | $ 74,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 790,000 | $ 395,000 | $ 125,000 |
| Greensboro-High Point, NC | 2 | $ 680,000 | $ 340,000 | $ 87,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 660,000 | $ 330,000 | $ 141,000 |
| Harrisburg-Carlisle, PA | 2 | $ 580,000 | $ 290,000 | $ 102,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 680,000 | $ 340,000 | $ 122,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 670,000 | $ 335,000 | $ 118,000 |
| Memphis, TN-MS-AR | 2 | $ 410,000 | $ 205,000 | $ 109,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 810,000 | $ 405,000 | $ 131,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 710,000 | $ 355,000 | $ 109,500 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 690,000 | $ 345,000 | $ 82,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 780,000 | $ 390,000 | $ 102,000 |
| Portland-South Portland, ME | 2 | $ 690,000 | $ 345,000 | $ 126,000 |
| Providence-Warwick, RI-MA | 2 | $ 950,000 | $ 475,000 | $ 176,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 820,000 | $ 410,000 | $ 94,000 |
| Salt Lake City, UT | 2 | $ 880,000 | $ 440,000 | $ 100,000 |
| Savannah, GA | 2 | $ 680,000 | $ 340,000 | $ 284,000 |
| Syracuse, NY | 2 | $ 370,000 | $ 185,000 | $ 495,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 1,210,000 | $ 605,000 | $ 221,000 |
| Washington, DC-MD | 2 | $ 790,000 | $ 395,000 | $ 82,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 420,000 | $ 210,000 | $ 88,000 |
| Akron, OH | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 405,000 | $ 405,000 | $ 89,000 |
| Albuquerque, NM | 1 | $ 265,000 | $ 265,000 | $ 89,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 305,000 | $ 305,000 | $ 52,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 315,000 | $ 315,000 | $ 70,000 |
| Bend-Redmond, OR | 1 | $ 315,000 | $ 315,000 | $ 93,000 |
| Burlington-South Burlington, VT | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Casper, WY | 1 | $ 275,000 | $ 275,000 | $ 61,000 |
| Cleveland, TN | 1 | $ 65,000 | $ 65,000 | $ 298,000 |
| Columbia, SC | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Corvallis, OR | 1 | $ 395,000 | $ 395,000 | $ 110,000 |
| Dover, DE | 1 | $ 355,000 | $ 355,000 | $ 95,000 |
| Durham-Chapel Hill, NC | 1 | $ 335,000 | $ 335,000 | $ 195,000 |
| Elgin, IL | 1 | $ 345,000 | $ 345,000 | $ 86,000 |
| Evansville, IN-KY | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 635,000 | $ 635,000 | $ 553,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 365,000 | $ 365,000 | $ 83,000 |
| Homosassa Springs, FL | 1 | $ 455,000 | $ 455,000 | $ 295,000 |
| Jackson, TN | 1 | $ 465,000 | $ 465,000 | $ 184,000 |
| Jacksonville, FL | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Knoxville, TN | 1 | $ 345,000 | $ 345,000 | $ 69,000 |
| Lafayette-West Lafayette, IN | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 315,000 | $ 315,000 | $ 76,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Madison, WI | 1 | $ 355,000 | $ 355,000 | $ 51,000 |
| Marietta, GA | 1 | $ 575,000 | $ 575,000 | $ 265,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 395,000 | $ 395,000 | $ 165,000 |
| New Orleans-Metairie, LA | 1 | $ 295,000 | $ 295,000 | $ 42,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 325,000 | $ 325,000 | $ 83,000 |
| Panama City, FL | 1 | $ 505,000 | $ 505,000 | $ 466,000 |
| Pittsburgh, PA | 1 | $ 295,000 | $ 295,000 | $ 242,000 |
| Port St. Lucie, FL | 1 | $ 265,000 | $ 265,000 | $ 67,000 |
| Punta Gorda, FL | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Reno, NV | 1 | $ 405,000 | $ 405,000 | $ 109,000 |
| Richmond, VA | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| Rockford, IL | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Rockingham County-Strafford County, NH | 1 | $ 215,000 | $ 215,000 | $ 194,000 |
| Rome, GA | 1 | $ 265,000 | $ 265,000 | $ 133,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 425,000 | $ 425,000 | $ 224,000 |
| Springfield, MO | 1 | $ 355,000 | $ 355,000 | $ 144,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 425,000 | $ 425,000 | $ 75,000 |
| Tampa, FL | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Topeka, KS | 1 | $ 425,000 | $ 425,000 | $ 187,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 275,000 | $ 275,000 | $ 45,000 |
| Wichita, KS | 1 | $ 235,000 | $ 235,000 | $ 106,000 |
| Wilmington, DE-MD-NJ | 1 | $ 475,000 | $ 475,000 | $ 90,000 |
| Winston-Salem, NC | 1 | $ 235,000 | $ 235,000 | $ 102,000 |
| York-Hanover, PA | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 405,000 | $ 405,000 | $ 110,000 |
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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