Mercer County, OH Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 937 mortgage applications in Mercer County, OH totaling $107.7 million, down 14% from 2010. The average application was for $114,000, and applicants reported an average income of $67,000. 47% of applications resulted in an originated loan and 16% were denied. The most active lender was The Citizens National Bank, with 104 applications, followed by JPMorgan Chase Bank, NA and Mycumortgage.

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Total Number of Mortgage Applications 937
Total Mortgage Loan Application Amount $107,731,000
Average Mortgage Loan Application Amount $114,000
Highest Mortgage Loan Application Amount $1,271,000
Average Applicant Income $67,000
Highest Applicant Income $5,258,000

Mortgage Company List for Lending in Mercer County, OH for 2011

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 562,591,000 104 $ 12,713,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 104 $ 10,327,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 78 $ 7,476,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 6,237,352,000 60 $ 5,567,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 56 $ 6,916,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,495,558,000 42 $ 4,836,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 41 $ 3,798,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 40 $ 4,796,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 33 $ 7,137,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 28 $ 3,046,000
Minster Bank
95 W FOURTH ST
MINSTER, OH 45865
* $ 306,841,000 21 $ 2,840,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 19 $ 2,357,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 15 $ 2,095,000
Superior Federal Credit Union
4230 ELIDA RD
LIMA, OH 45807
* $ 341,915,000 15 $ 1,423,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 14 $ 1,008,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 538,410,000 11 $ 886,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,124,635,000 10 $ 1,620,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ 425,770,000 10 $ 1,058,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 10 $ 913,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 10 $ 1,091,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 7 $ 396,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,029,891,000 7 $ 988,000
First Merchants Bank, NA
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 4,147,658,000 7 $ 529,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 7 $ 1,430,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 7 $ 556,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 7 $ 182,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 636,953,000 6 $ 656,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 5 $ 471,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 5 $ 798,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 5 $ 730,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 527,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ 347,968,000 5 $ 831,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 5 $ 387,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 4 $ 210,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 4 $ 315,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 446,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 613,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 496,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 4 $ 409,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 384,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 4 $ 454,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 998,891,000 3 $ 263,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 478,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 684,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 296,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 269,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 3 $ 400,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 179,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 2 $ 297,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 2 $ 203,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 280,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 2 $ 79,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 133,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 317,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 2 $ 197,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 395,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 86,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 2 $ 225,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 2 $ 336,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 2 $ 278,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 2,753,046,000 2 $ 179,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 611,577,000 2 $ 1,408,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 247,938,000 1 $ 156,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 1 $ 149,000
Npb Mortgage LLC
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 145,000,000 1 $ 63,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 847,391,000 1 $ 190,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 1 $ 19,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 1 $ 12,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 87,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 1 $ 195,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 154,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 137,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 458,261,000 1 $ 54,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ 317,995,000 1 $ 92,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 593,579,000 1 $ 122,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ 346,754,000 1 $ 106,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 1,997,721,000 1 $ 119,000
Day Air Credit Union
3501 WILMINGTON PIKE
KETTERING, OH 45429
* $ 214,627,000 1 $ 77,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 112,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 231,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 77,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 93,000
Old National Bank
1 MAIN STREET
EVANSVILLE, IN 47708
* $ 7,121,605,000 1 $ 80,000
Mvb Mortgage Corporation
24400 NORTHWESTERN HIGHWAY, SUITE 200
SOUTHFIELD, MI 48075
* $ 10,000,000 1 $ 92,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 99,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 182,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ 10,000,000 1 $ 112,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 98,000
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ 10,000,000 1 $ 64,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 69,000
Developer's Mortgage Company
2700 E DUBLIN GRANVILLE RD SUITE 460
COLUMBUS, OH 43219
* $ 10,000,000 1 $ 106,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 129,000
Firstmerit Mortgage Corp
4455 HILLS AND DALES RD. NW - MTG80
CANTON, OH 44708
* $ 6,000,000,000 1 $ 108,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 1 $ 257,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 241,311,000 1 $ 13,000
New Carlisle Federal Savings Bank
400 N MAIN ST., P.O. BOX 245
NEW CARLISLE, OH 45344
* $ 94,328,000 1 $ 174,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,516,509,000 1 $ 154,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 160,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 10,833,007,000 1 $ 78,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 140,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 14,328,404,000 1 $ 109,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 1 $ 169,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 1 $ 262,000

The tables below break down 2011 mortgage applications in Mercer County, OH by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Mercer County, OH in 2011

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 594 $72,256,000 $121,000 $1,271,000 $75,000 $5,258,000
Home Purchase 304 $33,403,000 $109,000 $417,000 $52,000 $480,000
Home Improvement 39 $2,072,000 $53,000 $166,000 $65,000 $506,000

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 784 $88,940,000 $113,000 $675,000 $73,000 $5,258,000
Not applicable 88 $10,011,000 $113,000 $290,000 $4,000 $121,000
Not Provided 49 $6,855,000 $139,000 $1,271,000 $61,000 $302,000
Hispanic 9 $525,000 $58,000 $140,000 $50,000 $82,000
American Indian or Alaskan Native 4 $943,000 $235,000 $329,000 $388,000 $733,000
Asian 3 $457,000 $152,000 $211,000 $142,000 $330,000
Black or African American 0 $0 $0 $0 $0 $0
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) 669 $78,921,000 $117,000 $1,271,000 $78,000 $5,258,000
FHA-insured (Federal Housing Administration) 144 $16,485,000 $114,000 $346,000 $45,000 $192,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 91 $7,851,000 $86,000 $197,000 $30,000 $73,000
VA-guaranteed (Veterans Administration) 33 $4,474,000 $135,000 $262,000 $40,000 $101,000

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 442 $55,544,000 $125,000 $1,271,000 $78,000 $733,000
Loan Purchased By The Institution 238 $24,354,000 $102,000 $268,000 $31,000 $152,000
Application Denied By Financial Institution 152 $16,208,000 $106,000 $385,000 $93,000 $5,258,000
Application Withdrawn By Applicant 51 $6,181,000 $121,000 $391,000 $57,000 $155,000
Application Approved But Not Accepted 42 $4,183,000 $99,000 $232,000 $74,000 $330,000
File Closed For Incompleteness 12 $1,261,000 $105,000 $195,000 $68,000 $152,000
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
Collateral 41 $4,640,000 $113,000 $385,000 $70,000 $267,000
Credit History 26 $2,133,000 $82,000 $284,000 $49,000 $131,000
Credit Application Incomplete 20 $1,747,000 $87,000 $275,000 $76,000 $380,000
Debt-To-Income Ratio 18 $2,057,000 $114,000 $237,000 $44,000 $87,000
Other 9 $1,286,000 $142,000 $313,000 $629,000 $5,258,000
Insufficient Cash (Downpayment, Closing Cost) 7 $782,000 $111,000 $171,000 $34,000 $60,000
Employment History 2 $104,000 $52,000 $78,000 $21,000 $22,000
Mortgage Insurance Denied 1 $127,000 $127,000 $127,000 $165,000 $165,000
Unverifiable Information 1 $262,000 $262,000 $262,000 $69,000 $69,000

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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