Monroe County, OH Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 539 mortgage applications in Monroe County, OH totaling $43.0 million, down 10% from 2007. The average application was for $79,000, and applicants reported an average income of $54,000. 53% of applications resulted in an originated loan and 28% were denied. The most active lender was The Citizens National Bank of Woodsfield, with 81 applications, followed by Ohio Valley Community Credit Union and Wesbanco Bank, Inc..
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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 | 539 |
| Total Mortgage Loan Application Amount | $43,020,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $893,000 |
* 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 of Woodsfield 143 S MAIN ST P.O. BOX 230 WOODSFIELD, OH 43793 |
* | $ 52,346,000 | 81 | $ 6,119,000 |
| Ohio Valley Community Credit Union 52775 BOSTON HILL ROAD CLARINGTON, OH 43915 |
* | $ 78,082,000 | 70 | $ 3,899,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 4,031,156,000 | 59 | $ 3,755,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 44 | $ 4,439,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 36 | $ 3,107,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 18 | $ 1,657,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,297,000 |
| The Peoples Savings Bank P. O. BOX 246 NEW MATAMORAS, OH 45767 |
* | $ 39,650,000 | 14 | $ 925,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 12 | $ 876,000 |
| Belmont Savings Bank PO BOX 654 BELLAIRE, OH 43906 |
* | $ 288,807,000 | 11 | $ 697,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 11 | $ 829,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 10 | $ 808,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 9 | $ 866,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,875,432,000 | 9 | $ 732,000 |
| Wells Fargo Fin'l Ohio 1, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 8 | $ 761,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 7 | $ 438,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 730,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 7 | $ 701,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 7 | $ 620,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 6 | $ 557,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 6 | $ 566,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 6 | $ 654,000 |
| Citifinancial, Inc 300 ST PAUL PLACE BALTIMORE, MD 21020 |
* | $ 1,494,037,000,000 | 6 | $ 199,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 336,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 325,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 4 | $ 44,000 |
| K. Hovnanian American Mortgage 3601 QUANTUM BOULDVARD BOYNTON BEACH, FL 33426 |
* | $ 31,000,000 | 3 | $ 396,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 3 | $ 365,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 3 | $ 180,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 171,611,000 | 2 | $ 226,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 491,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 366,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 2 | $ 142,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 2 | $ 105,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 10,388,448,000 | 2 | $ 105,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 2 | $ 250,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,255,983,000 | 2 | $ 79,000 |
| Firstmerit Mortgage Corp III CASCADE PLAZA, CAS46 AKRON, OH 44308 |
* | $ 6,000,000,000 | 2 | $ 107,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 107,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 116,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 160,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 138,000 |
| Unified Bank 201 S 4TH STREET MARTINS FERRY, OH 43935 |
* | $ 450,856,000 | 1 | $ 20,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 170,829,000 | 1 | $ 99,000 |
| Union Bank, Inc. P.O. BOX 810 HUNDRED, WV 26149 |
* | $ 156,974,000 | 1 | $ 130,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 38,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 50,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 1 | $ 69,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,462,991,000 | 1 | $ 15,000 |
| First National Bank 112 W MARKET STREET ORRVILLE, OH 44646 |
* | $ 306,608,000 | 1 | $ 98,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 162,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 255,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 61,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 1 | $ 82,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 69,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 1,027,186,000 | 1 | $ 141,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,700,637,000 | 1 | $ 240,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 112,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 1,021,563,000 | 1 | $ 6,000 |
| Parkvale Savings Bank 4220 WILLIAM PENN HIGHWAY MONROEVILLE, PA 15146 |
* | $ 1,825,175,000 | 1 | $ 66,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 64,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 1 | $ 145,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 1,560,922,000 | 1 | $ 145,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 65,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 174,000 |
The tables below break down 2008 mortgage applications in Monroe 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 Monroe County, OH in 2008
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 | 317 | $28,272,000 | $89,000 | $309,000 | $54,000 | $300,000 |
| Home Purchase | 144 | $12,386,000 | $86,000 | $625,000 | $55,000 | $893,000 |
| Home Improvement | 78 | $2,362,000 | $30,000 | $196,000 | $50,000 | $123,000 |
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 | 489 | $37,945,000 | $77,000 | $625,000 | $54,000 | $300,000 |
| Not Provided | 26 | $2,881,000 | $110,000 | $255,000 | $83,000 | $893,000 |
| Not applicable | 21 | $1,812,000 | $86,000 | $165,000 | $8,000 | $58,000 |
| Hispanic | 3 | $382,000 | $127,000 | $247,000 | $62,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 447 | $34,400,000 | $76,000 | $625,000 | $56,000 | $893,000 |
| FHA-insured (Federal Housing Administration) | 69 | $6,605,000 | $95,000 | $214,000 | $43,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,473,000 | $81,000 | $197,000 | $36,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 5 | $542,000 | $108,000 | $149,000 | $47,000 | $74,000 |
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 | 283 | $21,490,000 | $75,000 | $625,000 | $63,000 | $893,000 |
| Application Denied By Financial Institution | 152 | $12,711,000 | $83,000 | $420,000 | $46,000 | $220,000 |
| Application Withdrawn By Applicant | 43 | $3,930,000 | $91,000 | $247,000 | $54,000 | $123,000 |
| Loan Purchased By The Institution | 35 | $3,182,000 | $90,000 | $165,000 | $26,000 | $185,000 |
| Application Approved But Not Accepted | 18 | $1,168,000 | $64,000 | $155,000 | $47,000 | $107,000 |
| File Closed For Incompleteness | 8 | $539,000 | $67,000 | $230,000 | $37,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $1,289,000 | $71,000 | $420,000 | $31,000 | $52,000 |
| Collateral | 17 | $1,543,000 | $90,000 | $156,000 | $56,000 | $107,000 |
| Debt-To-Income Ratio | 13 | $1,012,000 | $77,000 | $219,000 | $35,000 | $64,000 |
| Credit Application Incomplete | 8 | $686,000 | $85,000 | $115,000 | $46,000 | $88,000 |
| Other | 8 | $650,000 | $81,000 | $141,000 | $50,000 | $69,000 |
| Unverifiable Information | 4 | $354,000 | $88,000 | $171,000 | $75,000 | $220,000 |
| Employment History | 1 | $41,000 | $41,000 | $41,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $67,000 | $67,000 | $67,000 | $45,000 | $45,000 |
| 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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