Sandusky, OH Metro Area Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 5,226 mortgage applications in Sandusky, OH metro area totaling $583.7 million, down 20% from 2006. The average application was for $111,690, and applicants reported an average income of $72,000. 42% of applications resulted in an originated loan and 27% were denied. The most active lender was Civista Bank, with 468 applications, followed by Countrywide Home Loans and National City Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Ohio.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2025 2024 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 5,226 |
| Total Mortgage Loan Application Amount | $583,697,000 |
| Average Mortgage Loan Application Amount | $111,690 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $4,994,000 |
Top Mortgage Lenders in Sandusky, OH Metro Area (2007)
Ranked by the number of mortgage applications each lender reported in Sandusky, OH metro area in 2007.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Civista Bank Sandusky, OH |
468 | $42,538,000 | $90,000 | $65,000 |
| 2 | Countrywide Home Loans Westlake Village, CA |
265 | $33,310,000 | $125,000 | $79,000 |
| 3 | National City Bank Cleveland, OH |
219 | $21,435,000 | $97,000 | $70,000 |
| 4 | Beneficial Company LLC Mettawa, IL |
190 | $19,269,000 | $101,000 | $57,000 |
| 5 | JPMorgan Chase Bank, NA Columbus, OH |
187 | $24,092,000 | $128,000 | $81,000 |
| 6 | Fifth Third Mortgage Company Cincinnati, OH |
176 | $25,854,000 | $146,000 | $85,000 |
| 7 | Vacationland Federal Credit Un Sandusky, OH |
165 | $9,737,000 | $59,000 | $50,000 |
| 8 | Countrywide Bank FSB Westlake Village, CA |
164 | $20,231,000 | $123,000 | $81,000 |
| 9 | Gmac Mortgage LLC Ft. Washington, PA |
157 | $18,085,000 | $115,000 | $43,000 |
| 10 | US Bank, N.A. Milwaukee, WI |
148 | $14,297,000 | $96,000 | $30,000 |
See every lender active in Sandusky, OH metro area in 2007 »
The tables below break down 2007 mortgage applications in Sandusky, OH metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Sandusky, OH in 2007
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 | 2,796 | $337,748,000 | $120,000 | $1,120,000 | $68,000 | $1,427,000 |
| Home Purchase | 1,828 | $219,921,000 | $120,000 | $1,020,000 | $82,000 | $4,994,000 |
| Home Improvement | 602 | $26,028,000 | $43,000 | $687,000 | $56,000 | $370,000 |
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 | 3,916 | $439,618,000 | $112,000 | $1,120,000 | $77,000 | $4,994,000 |
| Not Provided | 580 | $66,299,000 | $114,000 | $800,000 | $74,000 | $860,000 |
| Not applicable | 364 | $44,855,000 | $123,000 | $968,000 | $31,000 | $1,595,000 |
| Black or African American | 248 | $20,631,000 | $83,000 | $447,000 | $55,000 | $347,000 |
| Hispanic | 81 | $7,362,000 | $90,000 | $260,000 | $56,000 | $220,000 |
| American Indian or Alaskan Native | 21 | $1,879,000 | $89,000 | $195,000 | $60,000 | $217,000 |
| Asian | 13 | $2,885,000 | $221,000 | $400,000 | $87,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $168,000 | $56,000 | $86,000 | $28,000 | $51,000 |
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) | 4,842 | $537,887,000 | $111,000 | $1,120,000 | $74,000 | $4,994,000 |
| FHA-insured (Federal Housing Administration) | 327 | $37,416,000 | $114,000 | $207,000 | $45,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 52 | $7,879,000 | $151,000 | $284,000 | $46,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $515,000 | $103,000 | $122,000 | $16,000 | $46,000 |
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 | 2,175 | $243,292,000 | $111,000 | $1,120,000 | $78,000 | $1,427,000 |
| Application Denied By Financial Institution | 1,406 | $144,304,000 | $102,000 | $999,000 | $65,000 | $780,000 |
| Loan Purchased By The Institution | 682 | $84,191,000 | $123,000 | $968,000 | $50,000 | $1,595,000 |
| Application Withdrawn By Applicant | 472 | $57,367,000 | $121,000 | $650,000 | $81,000 | $4,994,000 |
| Application Approved But Not Accepted | 370 | $37,014,000 | $100,000 | $550,000 | $82,000 | $1,549,000 |
| File Closed For Incompleteness | 116 | $17,163,000 | $147,000 | $700,000 | $82,000 | $682,000 |
| Preapproval Denied by Financial Institution | 5 | $366,000 | $73,000 | $95,000 | $27,000 | $37,000 |
| 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 | 251 | $21,813,000 | $86,000 | $810,000 | $59,000 | $459,000 |
| Collateral | 177 | $21,218,000 | $119,000 | $618,000 | $93,000 | $720,000 |
| Debt-To-Income Ratio | 145 | $16,779,000 | $115,000 | $936,000 | $57,000 | $546,000 |
| Other | 116 | $13,129,000 | $113,000 | $720,000 | $74,000 | $348,000 |
| Credit Application Incomplete | 58 | $8,179,000 | $141,000 | $999,000 | $106,000 | $720,000 |
| Unverifiable Information | 25 | $2,551,000 | $102,000 | $268,000 | $87,000 | $361,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,398,000 | $139,000 | $302,000 | $83,000 | $225,000 |
| Employment History | 3 | $91,000 | $30,000 | $66,000 | $34,000 | $52,000 |
| Mortgage Insurance Denied | 2 | $253,000 | $126,000 | $155,000 | $109,000 | $125,000 |
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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About