Monroe County, OH Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 284 mortgage applications in Monroe County, OH totaling $26.6 million, up 21% from 2014. The average application was for $93,000, and applicants reported an average income of $65,000. 54% of applications resulted in an originated loan and 23% were denied. The most active lender was The Citizens National Bank of Woodsfield, with 62 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 | 284 |
| Total Mortgage Loan Application Amount | $26,649,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $324,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $900,000 |
* 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 |
* | $ 107,321,000 | 62 | $ 4,976,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,279,214,000 | 29 | $ 2,445,000 |
| Ohio Valley Community Credit Union 52775 BOSTON HILL ROAD CLARINGTON, OH 43915 |
* | $ 137,300,000 | 25 | $ 1,483,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 8 | $ 975,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,011,000 |
| Belmont Savings Bank PO BOX 654 BELLAIRE, OH 43906 |
* | $ 647,599,000 | 7 | $ 483,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 7 | $ 661,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 7 | $ 1,228,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 7 | $ 278,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 623,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 2,562,890,000 | 6 | $ 519,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 498,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 5 | $ 520,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 5 | $ 425,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 5 | $ 424,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 468,000 |
| The Home Savings and Loan Comp 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 1,833,727,000 | 3 | $ 693,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 3 | $ 377,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 2 | $ 166,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 263,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 171,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 224,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 2 | $ 292,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,424,901,000 | 2 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 2 | $ 120,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 2 | $ 18,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 369,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 2 | $ 179,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 2 | $ 226,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 4,950,396,000 | 1 | $ 10,000 |
| Farmers National Bank 1 SOUTH MAIN STREET NILES, OH 44446 |
* | $ 1,121,554,000 | 1 | $ 234,000 |
| Unified Bank 201 S 4TH STREET MARTINS FERRY, OH 43935 |
* | $ 399,702,000 | 1 | $ 11,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 1 | $ 152,000 |
| First Ohio Home Finance 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ 2,458,000 | 1 | $ 135,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 192,000 |
| The American Eagle Mortgage Co 6145 PARK SQUARE DRIVE SUITE 3 LORAIN, OH 44053 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 64,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 162,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 86,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 163,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 53,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 53,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 44,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 1 | $ 151,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 28,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 1 | $ 160,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 53,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 97,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 141,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 15,961,183,000 | 1 | $ 64,000 |
| Progressive Bank, National Association 1701 WARWOOD AVENUE, PO BOX 4075 WHEELING, WV 26003 |
* | $ 332,226,000 | 1 | $ 26,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 1 | $ 83,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 44,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 164,706,000 | 1 | $ 141,000 |
| The Waterford Cmrl & Svg Bank PO BOX 65 WATERFORD, OH 45786 |
* | $ 44,014,000 | 1 | $ 72,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 83,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 1 | $ 48,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 161,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 48,000 |
| Riverview Credit Union Inc 403 MAIN STREET BELPRE, OH 45714 |
* | $ 52,692,000 | 1 | $ 46,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 85,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 74,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 120,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 150,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 130,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 77,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,555,971,000 | 1 | $ 193,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 93,023,000 | 1 | $ 136,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 186,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 105,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 245,515,000 | 1 | $ 116,000 |
The tables below break down 2015 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 2015
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 | 138 | $14,337,000 | $103,000 | $312,000 | $60,000 | $242,000 |
| Refinancing | 107 | $11,198,000 | $104,000 | $324,000 | $70,000 | $900,000 |
| Home Improvement | 39 | $1,114,000 | $28,000 | $150,000 | $70,000 | $243,000 |
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 | 253 | $23,149,000 | $91,000 | $324,000 | $66,000 | $900,000 |
| Not Provided | 16 | $2,288,000 | $143,000 | $261,000 | $83,000 | $164,000 |
| Not applicable | 13 | $1,199,000 | $92,000 | $277,000 | $20,000 | $103,000 |
| Hispanic | 2 | $13,000 | $6,000 | $7,000 | $61,000 | $61,000 |
| 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) | 216 | $19,671,000 | $91,000 | $324,000 | $67,000 | $243,000 |
| FHA-insured (Federal Housing Administration) | 34 | $3,716,000 | $109,000 | $196,000 | $79,000 | $900,000 |
| VA-guaranteed (Veterans Administration) | 22 | $2,222,000 | $101,000 | $186,000 | $44,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,040,000 | $86,000 | $145,000 | $35,000 | $64,000 |
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 | 154 | $14,500,000 | $94,000 | $312,000 | $65,000 | $242,000 |
| Application Denied By Financial Institution | 66 | $5,222,000 | $79,000 | $324,000 | $73,000 | $900,000 |
| Application Withdrawn By Applicant | 27 | $3,117,000 | $115,000 | $200,000 | $67,000 | $130,000 |
| Loan Purchased By The Institution | 17 | $1,801,000 | $105,000 | $277,000 | $32,000 | $103,000 |
| Application Approved But Not Accepted | 12 | $1,150,000 | $95,000 | $234,000 | $60,000 | $147,000 |
| File Closed For Incompleteness | 8 | $859,000 | $107,000 | $163,000 | $74,000 | $135,000 |
| 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 | 17 | $964,000 | $56,000 | $152,000 | $63,000 | $243,000 |
| Collateral | 10 | $951,000 | $95,000 | $196,000 | $73,000 | $140,000 |
| Debt-To-Income Ratio | 9 | $638,000 | $70,000 | $324,000 | $50,000 | $68,000 |
| Credit Application Incomplete | 4 | $437,000 | $109,000 | $189,000 | $73,000 | $104,000 |
| Employment History | 2 | $136,000 | $68,000 | $104,000 | $44,000 | $60,000 |
| Other | 1 | $74,000 | $74,000 | $74,000 | $16,000 | $16,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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