The National Bank And Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012

The National Bank And Trust Co 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address The National Bank And Trust Co
48 N South Street
Wilmington, OH 45177
Tel #: available with data download
Federal Regulator * available with data download
Years 2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 639
Total Mortgage Loan Application Amount $71,282,000
Average Mortgage Loan Application Amount $86,666
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $63,666
Highest Applicant Income $879,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with The National Bank And Trust Co. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The National Bank And Trust Co's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2012 breaks down The National Bank And Trust Co's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The National Bank And Trust Co serves its applicants.

Each category highlights the total number of mortgage applications processed by The National Bank And Trust Co, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The National Bank And Trust Co's mortgage activity for 2012.

Mortgage Loan Application Totals for The National Bank And Trust Co by Metropolitan Area in 2012

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
CINCINNATI-MIDDLETOWN, OH-KY-IN 280 $ 32,853,000 $ 100,000 $ 59,000
DAYTON, OH 62 $ 6,756,000 $ 108,000 $ 74,000
SPRINGFIELD, OH 4 $ 740,000 $ 185,000 $ 143,000
CLEVELAND-ELYRIA-MENTOR, OH 3 $ 627,000 $ 209,000 $ 83,000
COLUMBUS, OH 2 $ 326,000 $ 163,000 $ 100,000
CAPE CORAL-FORT MYERS, FL 1 $ 220,000 $ 220,000 $ 379,000
LEXINGTON-FAYETTE, KY 1 $ 149,000 $ 149,000 $ 250,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 1 $ 206,000 $ 206,000 $ 102,000
NORTH PORT-BRADENTON-SARASOTA, FL 1 $ 232,000 $ 232,000 $ 84,000

Mortgage Loan Application Detail Totals for The National Bank And Trust Co in 2012

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 350 $45,886,000 $131,000 $1,000,000 $81,000 $879,000
Home Purchase 226 $23,848,000 $105,000 $840,000 $60,000 $379,000
Home Improvement 63 $1,548,000 $24,000 $308,000 $50,000 $225,000

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 612 $67,743,000 $110,000 $1,000,000 $72,000 $879,000
Not Provided 11 $1,013,000 $92,000 $250,000 $58,000 $297,000
Not applicable 7 $1,342,000 $191,000 $840,000 $0 $0
Hispanic 4 $320,000 $80,000 $163,000 $58,000 $100,000
Black or African American 3 $479,000 $159,000 $338,000 $101,000 $200,000
Asian 2 $385,000 $192,000 $289,000 $75,000 $116,000
American Indian or Alaskan Native 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) 569 $64,597,000 $113,000 $1,000,000 $74,000 $879,000
FHA-insured (Federal Housing Administration) 46 $4,362,000 $94,000 $175,000 $42,000 $169,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $1,223,000 $76,000 $144,000 $31,000 $62,000
VA-guaranteed (Veterans Administration) 8 $1,100,000 $137,000 $362,000 $62,000 $150,000

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 297 $34,342,000 $115,000 $840,000 $81,000 $879,000
Application Denied By Financial Institution 197 $20,284,000 $102,000 $1,000,000 $60,000 $322,000
Application Withdrawn By Applicant 72 $8,755,000 $121,000 $308,000 $68,000 $250,000
Preapproval Denied by Financial Institution 38 $3,218,000 $84,000 $268,000 $37,000 $156,000
Preapproval Approved but not Accepted 24 $3,377,000 $140,000 $362,000 $69,000 $150,000
Application Approved But Not Accepted 11 $1,306,000 $118,000 $416,000 $108,000 $226,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The 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 123 $10,665,000 $86,000 $417,000 $49,000 $297,000
Debt-To-Income Ratio 61 $6,736,000 $110,000 $1,000,000 $54,000 $189,000
Collateral 26 $2,720,000 $104,000 $221,000 $74,000 $258,000
Other 9 $1,253,000 $139,000 $257,000 $79,000 $225,000
Unverifiable Information 7 $1,201,000 $171,000 $339,000 $82,000 $156,000
Credit Application Incomplete 4 $716,000 $179,000 $273,000 $126,000 $322,000
Employment History 4 $187,000 $46,000 $73,000 $25,000 $36,000
Insufficient Cash (Downpayment, Closing Cost) 1 $24,000 $24,000 $24,000 $87,000 $87,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into The National Bank And Trust Co's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess The National Bank And Trust Co's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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