Lima, OH Metro Area Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 6,088 mortgage applications in Lima, OH metro area totaling $677.0 million, up 29% from 2008. The average application was for $111,208, and applicants reported an average income of $65,000. 58% of applications resulted in an originated loan and 16% were denied. The most active lender was Superior Federal Credit Union, with 1,747 applications, followed by First Federal Bank and The Citizens National Bank.
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| 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 | 6,088 |
| Total Mortgage Loan Application Amount | $677,035,000 |
| Average Mortgage Loan Application Amount | $111,208 |
| Highest Mortgage Loan Application Amount | $3,555,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $7,059,000 |
Top Mortgage Lenders in Lima, OH Metro Area (2009)
Ranked by the number of mortgage applications each lender reported in Lima, OH metro area in 2009.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Superior Federal Credit Union Lima, OH |
1,747 | $193,742,000 | $110,000 | $69,000 |
| 2 | First Federal Bank Defiance, OH |
560 | $66,373,000 | $118,000 | $72,000 |
| 3 | The Citizens National Bank Bluffton, OH |
541 | $61,753,000 | $114,000 | $79,000 |
| 4 | The Union Bank Company Columbus Grove, OH |
348 | $44,194,000 | $126,000 | $73,000 |
| 5 | JPMorgan Chase Bank, NA Columbus, OH |
341 | $37,296,000 | $109,000 | $54,000 |
| 6 | Fifth Third Mortgage Company Cincinnati, OH |
232 | $26,366,000 | $113,000 | $64,000 |
| 7 | The Huntington National Bank Columbus, OH |
225 | $25,228,000 | $112,000 | $90,000 |
| 8 | The State Bank & Trust Company Defiance, OH |
211 | $24,524,000 | $116,000 | $72,000 |
| 9 | Citibank, N.A. New York, NY |
142 | $10,568,000 | $74,000 | $40,000 |
| 10 | Wells Fargo Bank, NA Des Moines, IA |
121 | $13,772,000 | $113,000 | $60,000 |
The tables below break down 2009 mortgage applications in Lima, OH metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lima, OH in 2009
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 | 4,737 | $554,835,000 | $117,000 | $3,555,000 | $68,000 | $7,059,000 |
| Home Purchase | 1,190 | $114,285,000 | $96,000 | $773,000 | $56,000 | $765,000 |
| Home Improvement | 161 | $7,915,000 | $49,000 | $229,000 | $66,000 | $1,100,000 |
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 | 5,083 | $561,703,000 | $110,000 | $1,220,000 | $68,000 | $7,059,000 |
| Not Provided | 319 | $35,843,000 | $112,000 | $1,000,000 | $65,000 | $1,011,000 |
| Not applicable | 296 | $31,971,000 | $108,000 | $3,555,000 | $22,000 | $221,000 |
| Black or African American | 258 | $24,795,000 | $96,000 | $442,000 | $53,000 | $400,000 |
| Hispanic | 60 | $10,266,000 | $171,000 | $530,000 | $54,000 | $172,000 |
| Asian | 47 | $8,965,000 | $190,000 | $417,000 | $163,000 | $819,000 |
| American Indian or Alaskan Native | 19 | $2,665,000 | $140,000 | $465,000 | $112,000 | $344,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $827,000 | $137,000 | $281,000 | $77,000 | $208,000 |
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) | 4,845 | $542,531,000 | $111,000 | $3,555,000 | $72,000 | $7,059,000 |
| FHA-insured (Federal Housing Administration) | 988 | $108,623,000 | $109,000 | $290,000 | $42,000 | $720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 143 | $13,228,000 | $92,000 | $163,000 | $30,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 112 | $12,653,000 | $112,000 | $264,000 | $33,000 | $140,000 |
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 | 3,522 | $412,392,000 | $117,000 | $3,555,000 | $75,000 | $7,059,000 |
| Application Denied By Financial Institution | 972 | $94,064,000 | $96,000 | $417,000 | $50,000 | $374,000 |
| Loan Purchased By The Institution | 595 | $57,834,000 | $97,000 | $329,000 | $30,000 | $221,000 |
| Application Approved But Not Accepted | 576 | $64,991,000 | $112,000 | $417,000 | $68,000 | $693,000 |
| Application Withdrawn By Applicant | 358 | $41,604,000 | $116,000 | $1,000,000 | $69,000 | $901,000 |
| File Closed For Incompleteness | 63 | $6,062,000 | $96,000 | $276,000 | $53,000 | $356,000 |
| Preapproval Denied by Financial Institution | 2 | $88,000 | $44,000 | $51,000 | $24,000 | $26,000 |
| Preapproval Approved but not Accepted | 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 | 308 | $24,655,000 | $80,000 | $281,000 | $43,000 | $142,000 |
| Collateral | 162 | $17,835,000 | $110,000 | $320,000 | $60,000 | $240,000 |
| Debt-To-Income Ratio | 141 | $16,088,000 | $114,000 | $325,000 | $46,000 | $124,000 |
| Credit Application Incomplete | 59 | $7,134,000 | $120,000 | $417,000 | $56,000 | $150,000 |
| Other | 28 | $3,281,000 | $117,000 | $288,000 | $58,000 | $360,000 |
| Mortgage Insurance Denied | 11 | $1,035,000 | $94,000 | $219,000 | $69,000 | $181,000 |
| Unverifiable Information | 10 | $1,072,000 | $107,000 | $174,000 | $63,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $569,000 | $71,000 | $157,000 | $52,000 | $98,000 |
| Employment History | 6 | $762,000 | $127,000 | $311,000 | $45,000 | $81,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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