Mercer County, OH Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 686 mortgage applications in Mercer County, OH totaling $101.4 million, down 21% from 2022. The average application was for $147,000, and applicants reported an average income of $95,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Superior Credit Union, Inc., with 119 applications, followed by First Financial Bank and The Park 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 686
Total Mortgage Loan Application Amount $101,420,000
Average Mortgage Loan Application Amount $147,000
Highest Mortgage Loan Application Amount $685,000
Average Applicant Income $95,000
Highest Applicant Income $988,000

Mortgage Company List for Lending in Mercer County, OH for 2023

* 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
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 1,511,702,000 119 $ 15,845,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,915,645,000 72 $ 8,760,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,815,951,000 52 $ 7,150,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 22 $ 3,500,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 3,440,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 19 $ 2,945,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 18 $ 1,250,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 17 $ 2,775,000
Minster Bank
95 W FOURTH ST
MINSTER, OH 45865
* $ 706,883,000 17 $ 2,875,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 17 $ 2,555,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 15 $ 2,385,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 14 $ 4,990,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 12 $ 1,550,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 10 $ 1,300,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ 3,002,849,000 10 $ 710,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 969,379,000 9 $ 1,745,000
Western Ohio Mortgage Corp
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 8 $ 1,410,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 1,040,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 2,236,753,000 8 $ 720,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,425,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 6 $ 360,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 780,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,180,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 6 $ 930,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 6 $ 1,420,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 6 $ 240,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 1,125,970,000 6 $ 340,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 5 $ 845,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 985,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 785,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 1,084,777,000 5 $ 565,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 225,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 5 $ 925,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 4 $ 700,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 840,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 510,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 7,794,453,000 4 $ 510,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ 1,045,354,000 4 $ 1,340,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 620,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ 578,554,000 3 $ 465,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 3 $ 365,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 655,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 3 $ 295,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 2 $ 140,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 220,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 300,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 140,000
Monroe Federal Savings and Loan Association
24 E MAIN ST PO BOX 119
TIPP CITY, OH 45371
* $ 149,358,000 2 $ 400,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 2 $ 250,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 270,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 2 $ 390,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 797,879,000 2 $ 160,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ -1,000 2 $ 300,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 320,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 230,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 2 $ 170,000
Topmark Federal Credit Union
609 E MAIN ST
CRIDERSVILLE, OH 45806
* $ 60,039,000 2 $ 180,000
Greenville Federal
690 WAGNER AVE
GREENVILLE, OH 45331
* $ 241,881,000 2 $ 540,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 2 $ 80,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 420,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 530,000
Proponent FCU
536 WASHINGTON AVE.
NUTLEY, NJ 07110
* $ 515,394,000 2 $ 770,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 195,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 175,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 1 $ 215,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 185,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ -1,000 1 $ 175,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 1 $ 195,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 205,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 1,325,575,000 1 $ 385,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 42,076,662,000 1 $ 185,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ -1,000 1 $ 535,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 1 $ 55,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 255,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 255,000
Day Air Credit Union
3501 WILMINGTON PIKE
KETTERING, OH 45429
* $ 677,861,000 1 $ 105,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 155,000
The Farmers State Bank
101 S. MAIN ST. PO BOX 119
NEW MADISON, OH 45346
* $ 222,733,000 1 $ 265,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 55,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 125,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 1 $ 125,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 1 $ 45,000
Encompass Lending Group, L.P.
23108 SEVEN MEADOWS PKWY SUITE 100
KATY, TX 77494
* $ -1,000 1 $ 115,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 195,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,502,081,000 1 $ 185,000
Sibcy Cline Mortgage Services, Inc.
8044 MONTGOMERY RD. SUITE 301
CINCINNATI, OH 45236
* $ -1,000 1 $ 175,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 1 $ 285,000
The Richwood Banking Company
28 N. FRANKLIN ST.
RICHWOOD, OH 43344
* $ 1,112,249,000 1 $ 205,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 235,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 1 $ 315,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,087,397,000 1 $ 85,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
The Home Loan Savings Bank
590 WALNUT ST
COSHOCTON, OH 43812
* $ 273,279,000 1 $ 165,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 85,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 55,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 1 $ 35,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 1 $ 25,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 1 $ 315,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 315,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 125,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 1 $ 85,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 155,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 25,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 65,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 145,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 8,408,012,000 1 $ 165,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ -1,000 1 $ 105,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 55,000

The tables below break down 2023 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 2023

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 357 $65,755,000 $184,000 $685,000 $92,000 $597,000
Cash-out Refinancing 115 $15,405,000 $133,000 $455,000 $86,000 $988,000
Other Purpose 99 $8,965,000 $90,000 $305,000 $101,000 $538,000
Home Improvement 72 $6,040,000 $83,000 $335,000 $113,000 $260,000
Refinancing 42 $5,190,000 $123,000 $425,000 $99,000 $314,000
Not Applicable 1 $65,000 $65,000 $65,000 $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 577 $83,765,000 $145,000 $685,000 $95,000 $597,000
Not applicable 54 $8,930,000 $165,000 $375,000 $0 $0
Not Provided 36 $5,910,000 $164,000 $615,000 $111,000 $988,000
Asian 7 $1,055,000 $150,000 $325,000 $87,000 $166,000
Hispanic 5 $655,000 $131,000 $195,000 $56,000 $120,000
Native Hawaiian or Other Pacific Islander 3 $545,000 $181,000 $235,000 $63,000 $73,000
Black or African American 2 $380,000 $190,000 $215,000 $59,000 $64,000
American Indian or Alaskan Native 2 $180,000 $90,000 $95,000 $66,000 $80,000

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) 512 $72,360,000 $141,000 $685,000 $104,000 $988,000
FHA-insured (Federal Housing Administration) 99 $15,985,000 $161,000 $325,000 $68,000 $191,000
VA-guaranteed (Veterans Administration) 50 $8,980,000 $179,000 $375,000 $64,000 $125,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 25 $4,095,000 $163,000 $255,000 $63,000 $93,000

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 397 $60,775,000 $153,000 $685,000 $100,000 $597,000
Application Denied By Financial Institution 121 $14,265,000 $117,000 $615,000 $76,000 $538,000
Application Withdrawn By Applicant 80 $13,190,000 $164,000 $385,000 $109,000 $988,000
Loan Purchased By The Institution 53 $9,015,000 $170,000 $375,000 $0 $0
File Closed For Incompleteness 19 $1,845,000 $97,000 $295,000 $74,000 $120,000
Application Approved But Not Accepted 16 $2,330,000 $145,000 $535,000 $85,000 $194,000
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
Not applicable 561 $85,955,000 $153,000 $685,000 $100,000 $988,000
Debt-To-Income Ratio 37 $5,795,000 $156,000 $615,000 $59,000 $174,000
Credit History 31 $2,965,000 $95,000 $285,000 $77,000 $200,000
Collateral 23 $2,765,000 $120,000 $325,000 $92,000 $538,000
Credit Application Incomplete 17 $2,315,000 $136,000 $285,000 $100,000 $508,000
Other 11 $915,000 $83,000 $155,000 $79,000 $164,000
Insufficient Cash (Downpayment, Closing Cost) 4 $470,000 $117,000 $165,000 $48,000 $69,000
Unverifiable Information 1 $155,000 $155,000 $155,000 $55,000 $55,000
Employment History 1 $85,000 $85,000 $85,000 $75,000 $75,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

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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