Monroe County, OH Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 235 mortgage applications in Monroe County, OH totaling $22.6 million, down 31% from 2013. The average application was for $96,000, and applicants reported an average income of $68,000. 58% of applications resulted in an originated loan and 20% were denied. The most active lender was The Citizens National Bank of Woodsfield, with 46 applications, followed by Wesbanco Bank, Inc. and Ohio Valley Community Credit Union.
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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 | 235 |
| Total Mortgage Loan Application Amount | $22,564,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $380,000 |
| 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 |
* | $ 99,713,000 | 46 | $ 4,060,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,124,988,000 | 30 | $ 2,981,000 |
| Ohio Valley Community Credit Union 52775 BOSTON HILL ROAD CLARINGTON, OH 43915 |
* | $ 129,215,000 | 20 | $ 1,178,000 |
| Belmont Savings Bank PO BOX 654 BELLAIRE, OH 43906 |
* | $ 574,276,000 | 11 | $ 644,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 11 | $ 1,041,000 |
| The Peoples Savings Bank P. O. BOX 246 NEW MATAMORAS, OH 45767 |
* | $ 57,210,000 | 10 | $ 1,002,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 9 | $ 564,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 8 | $ 883,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 7 | $ 739,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 2,054,173,000 | 6 | $ 829,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 6 | $ 856,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 312,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 250,000 |
| Home Savings Bank 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 229,843,000 | 3 | $ 540,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 3 | $ 130,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 299,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 326,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 294,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,081,543,000 | 2 | $ 158,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 2 | $ 261,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 181,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 293,363,000 | 2 | $ 96,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 1 | $ 160,000 |
| First Ohio Home Finance 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ 2,458,000 | 1 | $ 233,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 157,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 153,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 52,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 155,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,527,444,000 | 1 | $ 32,000 |
| Unified Bank 201 S 4TH STREET MARTINS FERRY, OH 43935 |
* | $ 387,120,000 | 1 | $ 48,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 94,000 |
| The Cortland Savings and Banking Company 194 W. MAIN STREET CORTLAND, OH 44410 |
* | $ 553,444,000 | 1 | $ 400,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Home Federal Savings and Loan Association of Niles 55 MAIN ST. NILES, OH 44446 |
* | $ 96,793,000 | 1 | $ 400,000 |
| Doolin Security Savings Bank, FSB 610 N. STATE ROUTE 2 NEW MARTINSVILLE,, WV 26155 |
* | $ 46,350,000 | 1 | $ 39,000 |
| First Exchange Bank 11 W MAIN ST. WHITE HALL, WV 26554 |
* | $ 204,425,000 | 1 | $ 140,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 127,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,569,087,000 | 1 | $ 171,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 1 | $ 49,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 6,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 60,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 90,439,767,000 | 1 | $ 50,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 167,000 |
The tables below break down 2014 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 2014
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 | 133 | $13,796,000 | $103,000 | $400,000 | $64,000 | $380,000 |
| Refinancing | 72 | $7,403,000 | $102,000 | $400,000 | $73,000 | $309,000 |
| Home Improvement | 30 | $1,365,000 | $45,000 | $160,000 | $73,000 | $219,000 |
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 | 208 | $20,268,000 | $97,000 | $400,000 | $70,000 | $309,000 |
| Not applicable | 12 | $1,251,000 | $104,000 | $233,000 | $0 | $0 |
| Not Provided | 11 | $864,000 | $78,000 | $171,000 | $71,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $136,000 | $68,000 | $114,000 | $102,000 | $113,000 |
| American Indian or Alaskan Native | 2 | $45,000 | $22,000 | $35,000 | $195,000 | $380,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 192 | $18,250,000 | $95,000 | $400,000 | $73,000 | $380,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,139,000 | $106,000 | $255,000 | $56,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,391,000 | $92,000 | $135,000 | $18,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 8 | $784,000 | $98,000 | $190,000 | $56,000 | $160,000 |
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 | 137 | $12,454,000 | $90,000 | $400,000 | $72,000 | $309,000 |
| Application Denied By Financial Institution | 47 | $4,133,000 | $87,000 | $400,000 | $65,000 | $205,000 |
| Application Withdrawn By Applicant | 28 | $3,618,000 | $129,000 | $305,000 | $86,000 | $380,000 |
| Loan Purchased By The Institution | 12 | $1,251,000 | $104,000 | $233,000 | $0 | $0 |
| Application Approved But Not Accepted | 9 | $887,000 | $98,000 | $150,000 | $59,000 | $119,000 |
| File Closed For Incompleteness | 2 | $221,000 | $110,000 | $153,000 | $73,000 | $86,000 |
| 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 | 9 | $773,000 | $85,000 | $160,000 | $59,000 | $120,000 |
| Credit History | 7 | $234,000 | $33,000 | $62,000 | $64,000 | $83,000 |
| Debt-To-Income Ratio | 6 | $1,030,000 | $171,000 | $400,000 | $66,000 | $133,000 |
| Employment History | 2 | $142,000 | $71,000 | $81,000 | $28,000 | $57,000 |
| Credit Application Incomplete | 2 | $126,000 | $63,000 | $77,000 | $151,000 | $205,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $88,000 | $88,000 | $88,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 1 | $166,000 | $166,000 | $166,000 | $61,000 | $61,000 |
| Other | 1 | $30,000 | $30,000 | $30,000 | $0 | $0 |
| Unverifiable Information | 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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