Paulding County, OH Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 550 mortgage applications in Paulding County, OH totaling $49.0 million, down 20% from 2010. The average application was for $89,000, and applicants reported an average income of $59,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Premier Bank, with 125 applications, followed by The State Bank & Trust Company and Huntington National Bank.

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Total Number of Mortgage Applications 550
Total Mortgage Loan Application Amount $49,040,000
Average Mortgage Loan Application Amount $89,000
Highest Mortgage Loan Application Amount $503,000
Average Applicant Income $59,000
Highest Applicant Income $492,000

Mortgage Company List for Lending in Paulding County, OH for 2011

* 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
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,029,891,000 125 $ 11,415,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 655,826,000 102 $ 8,821,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 47 $ 3,749,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 35 $ 3,535,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 17 $ 1,374,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 16 $ 1,166,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 16 $ 1,194,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 562,591,000 12 $ 1,922,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 11 $ 1,847,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 6,237,352,000 11 $ 867,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 10 $ 848,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ 905,834,000 10 $ 688,000
Genfed Financial CU
85 MASSILLON RD
AKRON, OH 44312
* $ 174,835,000 9 $ 415,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 9 $ 637,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 9 $ 453,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 8 $ 730,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 611,577,000 6 $ 586,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 458,261,000 6 $ 213,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ 425,770,000 5 $ 438,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 5 $ 611,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 5 $ 381,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 5 $ 178,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 4 $ 256,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 636,953,000 4 $ 467,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 247,938,000 3 $ 264,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 243,000
Superior Federal Credit Union
4230 ELIDA RD
LIMA, OH 45807
* $ 341,915,000 3 $ 215,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 369,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 2 $ 102,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 2 $ 317,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 155,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ 10,000,000 2 $ 288,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 77,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 2 $ 224,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 2 $ 126,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 237,364,000 2 $ 208,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 80,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 214,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 2 $ 81,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 998,891,000 1 $ 68,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,166,000 1 $ 15,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 1 $ 8,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 73,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ 317,995,000 1 $ 37,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 141,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 1 $ 114,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 97,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 45,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 129,000
Amera Mortgage Corporation
1050 CORPORATE OFFICE DRIVE, STE 250
MILFORD, MI 48381
* $ 1,300,000,000 1 $ 57,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 103,000
First Merchants Bank, NA
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 4,147,658,000 1 $ 100,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 137,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 1 $ 69,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 89,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 83,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 159,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 148,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 365,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 56,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 1 $ 128,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 1 $ 50,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 1 $ 214,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 137,000

The tables below break down 2011 mortgage applications in Paulding 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 Paulding County, OH in 2011

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 381 $36,654,000 $96,000 $503,000 $62,000 $492,000
Home Purchase 141 $11,023,000 $78,000 $290,000 $48,000 $397,000
Home Improvement 28 $1,363,000 $48,000 $212,000 $68,000 $385,000

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 476 $42,764,000 $89,000 $503,000 $62,000 $492,000
Not applicable 39 $3,390,000 $86,000 $256,000 $2,000 $59,000
Not Provided 14 $1,127,000 $80,000 $230,000 $70,000 $138,000
Hispanic 11 $753,000 $68,000 $136,000 $41,000 $78,000
American Indian or Alaskan Native 6 $805,000 $134,000 $500,000 $152,000 $385,000
Black or African American 4 $201,000 $50,000 $74,000 $36,000 $76,000
Asian 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 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) 429 $38,574,000 $89,000 $503,000 $65,000 $492,000
FHA-insured (Federal Housing Administration) 85 $7,568,000 $89,000 $209,000 $31,000 $140,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 26 $1,724,000 $66,000 $109,000 $37,000 $69,000
VA-guaranteed (Veterans Administration) 10 $1,174,000 $117,000 $230,000 $53,000 $122,000

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 318 $29,500,000 $92,000 $503,000 $66,000 $492,000
Application Denied By Financial Institution 99 $7,940,000 $80,000 $365,000 $55,000 $184,000
Loan Purchased By The Institution 66 $5,668,000 $85,000 $256,000 $21,000 $140,000
Application Withdrawn By Applicant 38 $3,430,000 $90,000 $214,000 $65,000 $375,000
Application Approved But Not Accepted 19 $1,516,000 $79,000 $179,000 $54,000 $106,000
File Closed For Incompleteness 10 $986,000 $98,000 $260,000 $72,000 $221,000
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 39 $2,247,000 $57,000 $187,000 $55,000 $120,000
Collateral 21 $2,124,000 $101,000 $260,000 $70,000 $123,000
Credit Application Incomplete 6 $597,000 $99,000 $365,000 $59,000 $184,000
Debt-To-Income Ratio 6 $577,000 $96,000 $180,000 $40,000 $58,000
Other 4 $472,000 $118,000 $202,000 $80,000 $144,000
Insufficient Cash (Downpayment, Closing Cost) 2 $138,000 $69,000 $70,000 $30,000 $60,000
Unverifiable Information 1 $89,000 $89,000 $89,000 $24,000 $24,000
Employment History 1 $82,000 $82,000 $82,000 $50,000 $50,000
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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