Ohio
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 493,271
Total Mortgage Loan Application Amount $76,269,401,000
Average Mortgage Loan Application Amount $154,000
Highest Mortgage Loan Application Amount $67,444,000
Average Applicant Income $76,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for Ohio in 2016

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 233,285 $37,870,280,000 $162,000 $67,444,000 $73,000 $8,842,000
Refinancing 226,057 $35,820,831,000 $158,000 $65,000,000 $78,000 $9,288,000
Home Improvement 33,929 $2,578,290,000 $75,000 $31,800,000 $80,000 $9,999,000

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 351,159 $51,857,786,000 $147,000 $7,000,000 $84,000 $9,999,000
Not applicable 49,953 $10,715,991,000 $214,000 $67,444,000 $10,000 $6,209,000
Not Provided 44,550 $6,898,233,000 $154,000 $17,520,000 $94,000 $7,869,000
Black or African American 26,709 $3,264,319,000 $122,000 $55,900,000 $60,000 $9,999,000
Asian 9,575 $1,989,263,000 $207,000 $2,000,000 $109,000 $2,480,000
Hispanic 8,788 $1,154,591,000 $131,000 $1,829,000 $70,000 $1,918,000
American Indian or Alaskan Native 1,891 $291,871,000 $154,000 $5,360,000 $93,000 $5,459,000
Native Hawaiin or Other Pacific Islander 646 $97,347,000 $150,000 $645,000 $79,000 $747,000

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) 325,316 $53,124,768,000 $163,000 $67,444,000 $94,000 $9,999,000
FHA-insured (Federal Housing Administration) 115,214 $14,808,444,000 $128,000 $36,400,000 $39,000 $1,822,000
VA-guaranteed (Veterans Administration) 42,014 $7,158,561,000 $170,000 $1,446,000 $50,000 $2,746,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10,727 $1,177,628,000 $109,000 $1,390,000 $31,000 $405,000

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 262,449 $43,883,249,000 $167,000 $67,444,000 $88,000 $9,999,000
Application Denied By Financial Institution 87,927 $10,922,908,000 $124,000 $37,696,000 $70,000 $9,999,000
Loan Purchased By The Institution 67,814 $9,706,707,000 $143,000 $29,775,000 $32,000 $6,209,000
Application Withdrawn By Applicant 42,603 $6,998,214,000 $164,000 $65,000,000 $81,000 $4,211,000
File Closed For Incompleteness 17,558 $2,378,139,000 $135,000 $29,181,000 $72,000 $3,744,000
Application Approved But Not Accepted 14,917 $2,379,526,000 $159,000 $55,900,000 $82,000 $4,144,000
Preapproval Denied by Financial Institution 3 $658,000 $219,000 $375,000 $81,000 $117,000
Preapproval Approved but not Accepted 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 19,306 $1,573,430,000 $81,000 $11,080,000 $65,000 $9,999,000
Collateral 12,840 $1,800,152,000 $140,000 $5,139,000 $88,000 $4,941,000
Debt-To-Income Ratio 12,651 $1,586,481,000 $125,000 $3,000,000 $53,000 $1,440,000
Credit Application Incomplete 7,549 $1,070,018,000 $141,000 $2,533,000 $86,000 $2,015,000
Other 3,782 $549,116,000 $145,000 $37,696,000 $74,000 $1,861,000
Unverifiable Information 1,271 $162,186,000 $127,000 $2,910,000 $78,000 $2,560,000
Insufficient Cash (Downpayment, Closing Cost) 1,186 $159,776,000 $134,000 $4,700,000 $69,000 $3,177,000
Employment History 681 $84,811,000 $124,000 $1,500,000 $55,000 $780,000
Mortgage Insurance Denied 36 $4,460,000 $123,000 $220,000 $59,000 $142,000
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Mortgage Loan Application Totals in 2016 by Ohio Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
AKRON, OH 30,461 $ 4,546,266,000 $ 149,000 $ 76,000
CANTON-MASSILLON, OH 16,201 $ 2,090,839,000 $ 129,000 $ 65,000
CINCINNATI, OH-KY-IN 82,875 $ 14,953,402,000 $ 180,000 $ 85,000
CLEVELAND-ELYRIA, OH 87,283 $ 13,506,855,000 $ 154,000 $ 81,000
COLUMBUS, OH 106,843 $ 20,152,580,000 $ 188,000 $ 85,000
DAYTON, OH 35,899 $ 5,070,661,000 $ 141,000 $ 64,000
LIMA, OH 3,524 $ 396,286,000 $ 112,000 $ 60,000
MANSFIELD, OH 3,829 $ 421,046,000 $ 109,000 $ 60,000
SPRINGFIELD, OH 5,483 $ 599,581,000 $ 109,000 $ 55,000
TOLEDO, OH 22,567 $ 3,084,624,000 $ 136,000 $ 74,000
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 14,970 $ 1,573,627,000 $ 105,000 $ 60,000
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Mortgage Loan Application Totals in 2016 by Ohio County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Adams 713 $ 75,429,000 $ 105,000 $ 58,000
Allen 3,537 $ 397,682,000 $ 112,000 $ 60,000
Ashland 1,777 $ 209,628,000 $ 117,000 $ 64,000
Ashtabula 3,352 $ 349,495,000 $ 104,000 $ 59,000
Athens 966 $ 137,175,000 $ 142,000 $ 69,000
Auglaize 1,728 $ 204,711,000 $ 118,000 $ 63,000
Belmont 2,066 $ 223,664,000 $ 108,000 $ 59,000
Brown 1,918 $ 223,747,000 $ 116,000 $ 60,000
Butler 18,213 $ 2,954,745,000 $ 162,000 $ 77,000
Carroll 999 $ 116,615,000 $ 116,000 $ 62,000
Champaign 1,557 $ 183,202,000 $ 117,000 $ 53,000
Clark 5,496 $ 600,679,000 $ 109,000 $ 55,000
Clermont 11,457 $ 1,898,706,000 $ 165,000 $ 76,000
Clinton 1,661 $ 214,947,000 $ 129,000 $ 57,000
Columbiana 3,321 $ 370,864,000 $ 111,000 $ 63,000
Coshocton 849 $ 95,646,000 $ 112,000 $ 57,000
Crawford 1,096 $ 92,063,000 $ 83,000 $ 51,000
Cuyahoga 47,453 $ 6,916,388,000 $ 145,000 $ 84,000
Darke 1,650 $ 188,983,000 $ 114,000 $ 65,000
Defiance 1,381 $ 140,858,000 $ 101,000 $ 55,000
Delaware 14,825 $ 3,811,548,000 $ 257,000 $ 118,000
Erie 2,892 $ 383,318,000 $ 132,000 $ 75,000
Fairfield 8,659 $ 1,475,914,000 $ 170,000 $ 75,000
Fayette 1,112 $ 127,047,000 $ 114,000 $ 59,000
Franklin 60,981 $ 11,217,198,000 $ 183,000 $ 83,000
Fulton 1,655 $ 202,558,000 $ 122,000 $ 71,000
Gallia 768 $ 76,582,000 $ 99,000 $ 59,000
Geauga 4,426 $ 912,634,000 $ 206,000 $ 107,000
Greene 7,825 $ 1,354,550,000 $ 173,000 $ 75,000
Guernsey 1,179 $ 132,595,000 $ 112,000 $ 55,000
Hamilton 36,332 $ 6,751,768,000 $ 185,000 $ 89,000
Hancock 3,078 $ 447,545,000 $ 145,000 $ 70,000
Hardin 833 $ 87,353,000 $ 104,000 $ 57,000
Harrison 444 $ 39,302,000 $ 88,000 $ 60,000
Henry 934 $ 102,186,000 $ 109,000 $ 68,000
Highland 1,569 $ 168,269,000 $ 107,000 $ 54,000
Hocking 1,116 $ 141,002,000 $ 126,000 $ 68,000
Holmes 650 $ 97,597,000 $ 150,000 $ 79,000
Huron 1,822 $ 206,292,000 $ 113,000 $ 62,000
Jackson 1,182 $ 120,295,000 $ 101,000 $ 59,000
Jefferson 1,953 $ 171,794,000 $ 87,000 $ 59,000
Knox 2,532 $ 346,221,000 $ 136,000 $ 71,000
Lake 10,990 $ 1,716,732,000 $ 156,000 $ 70,000
Lawrence 2,287 $ 239,736,000 $ 104,000 $ 60,000
Licking 9,923 $ 1,566,469,000 $ 157,000 $ 69,000
Logan 1,989 $ 249,364,000 $ 125,000 $ 73,000
Lorain 14,458 $ 2,186,673,000 $ 151,000 $ 72,000
Lucas 15,493 $ 2,032,560,000 $ 131,000 $ 72,000
Madison 1,984 $ 308,190,000 $ 155,000 $ 75,000
Mahoning 8,013 $ 899,932,000 $ 112,000 $ 65,000
Marion 2,075 $ 233,509,000 $ 112,000 $ 54,000
Medina 10,023 $ 1,780,143,000 $ 177,000 $ 83,000
Meigs 411 $ 43,839,000 $ 106,000 $ 54,000
Mercer 1,104 $ 139,987,000 $ 126,000 $ 67,000
Miami 5,435 $ 745,238,000 $ 137,000 $ 65,000
Monroe 292 $ 29,575,000 $ 101,000 $ 64,000
Montgomery 22,686 $ 2,975,352,000 $ 131,000 $ 61,000
Morgan 341 $ 36,202,000 $ 106,000 $ 60,000
Morrow 1,603 $ 217,055,000 $ 135,000 $ 65,000
Muskingum 2,954 $ 364,166,000 $ 123,000 $ 61,000
Noble 239 $ 28,319,000 $ 118,000 $ 66,000
Ottawa 2,085 $ 303,368,000 $ 145,000 $ 96,000
Paulding 584 $ 52,865,000 $ 90,000 $ 55,000
Perry 1,235 $ 148,625,000 $ 120,000 $ 63,000
Pickaway 2,838 $ 428,422,000 $ 150,000 $ 66,000
Pike 820 $ 92,139,000 $ 112,000 $ 63,000
Portage 6,904 $ 1,031,306,000 $ 149,000 $ 75,000
Preble 1,697 $ 190,736,000 $ 112,000 $ 59,000
Putnam 1,052 $ 138,426,000 $ 131,000 $ 73,000
Richland 3,832 $ 421,121,000 $ 109,000 $ 60,000
Ross 2,822 $ 330,305,000 $ 117,000 $ 63,000
Sandusky 1,675 $ 189,176,000 $ 112,000 $ 55,000
Scioto 2,342 $ 244,179,000 $ 104,000 $ 65,000
Seneca 1,497 $ 144,851,000 $ 96,000 $ 57,000
Shelby 1,787 $ 216,333,000 $ 121,000 $ 70,000
Stark 15,208 $ 1,974,863,000 $ 129,000 $ 65,000
Summit 23,573 $ 3,515,975,000 $ 149,000 $ 77,000
Trumbull 6,988 $ 674,830,000 $ 96,000 $ 54,000
Tuscarawas 2,471 $ 299,806,000 $ 121,000 $ 57,000
Union 3,871 $ 856,941,000 $ 221,000 $ 98,000
Van Wert 870 $ 76,570,000 $ 88,000 $ 52,000
Vinton 361 $ 33,873,000 $ 93,000 $ 58,000
Warren 15,033 $ 3,131,481,000 $ 208,000 $ 97,000
Washington 1,783 $ 233,234,000 $ 130,000 $ 66,000
Wayne 3,656 $ 482,010,000 $ 131,000 $ 68,000
Williams 1,249 $ 114,999,000 $ 92,000 $ 61,000
Wood 5,496 $ 854,698,000 $ 155,000 $ 80,000
Wyandot 657 $ 73,417,000 $ 111,000 $ 63,000
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