Equity Resources, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Equity Resources, Inc. 2003 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 | Equity Resources, Inc. Po Box 5177 Newark, OH 43058 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 4,412 |
| Total Mortgage Loan Application Amount | $408,363,000 |
| Average Mortgage Loan Application Amount | $110,833 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $52,250 |
| Highest Applicant Income | $696,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Equity Resources, Inc.. 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 Equity Resources, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Equity Resources, Inc.'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 Equity Resources, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Equity Resources, Inc., 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 Equity Resources, Inc.'s mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Licking County Ohio | 511 | $ 49,672,000 | $ 97,000 | $ 44,000 |
| Franklin County Ohio | 374 | $ 35,847,000 | $ 95,000 | $ 43,000 |
| Allegheny County Pennsylvania | 294 | $ 24,561,000 | $ 83,000 | $ 61,000 |
| Hamilton County Ohio | 268 | $ 25,092,000 | $ 93,000 | $ 45,000 |
| Butler County Ohio | 163 | $ 16,308,000 | $ 100,000 | $ 39,000 |
| Montgomery County Ohio | 153 | $ 12,793,000 | $ 83,000 | $ 44,000 |
| Washington County Pennsylvania | 150 | $ 11,556,000 | $ 77,000 | $ 54,000 |
| Richland County Ohio | 146 | $ 11,717,000 | $ 80,000 | $ 48,000 |
| Muskingum County Ohio | 133 | $ 9,959,000 | $ 74,000 | $ 37,000 |
| Cuyahoga County Ohio | 124 | $ 12,007,000 | $ 96,000 | $ 39,000 |
| Stark County Ohio | 96 | $ 8,211,000 | $ 85,000 | $ 34,000 |
| Fairfield County Ohio | 92 | $ 11,597,000 | $ 126,000 | $ 68,000 |
| Knox County Ohio | 77 | $ 7,221,000 | $ 93,000 | $ 40,000 |
| Marion County Ohio | 74 | $ 6,142,000 | $ 83,000 | $ 56,000 |
| Trumbull County Ohio | 74 | $ 7,368,000 | $ 99,000 | $ 51,000 |
| Beaver County Pennsylvania | 72 | $ 5,890,000 | $ 81,000 | $ 40,000 |
| Clark County Ohio | 71 | $ 5,765,000 | $ 81,000 | $ 36,000 |
| Westmoreland County Pennsylvania | 61 | $ 4,529,000 | $ 74,000 | $ 49,000 |
| Butler County Pennsylvania | 58 | $ 5,319,000 | $ 91,000 | $ 56,000 |
| Summit County Ohio | 57 | $ 5,794,000 | $ 101,000 | $ 43,000 |
| Philadelphia County Pennsylvania | 57 | $ 5,089,000 | $ 89,000 | $ 61,000 |
| Crawford County Ohio | 53 | $ 3,957,000 | $ 74,000 | $ 41,000 |
| Darke County Ohio | 51 | $ 4,168,000 | $ 81,000 | $ 35,000 |
| Lorain County Ohio | 42 | $ 4,403,000 | $ 104,000 | $ 38,000 |
| Perry County Ohio | 42 | $ 4,006,000 | $ 95,000 | $ 38,000 |
| Champaign County Ohio | 37 | $ 2,874,000 | $ 77,000 | $ 35,000 |
| Coshocton County Ohio | 37 | $ 3,064,000 | $ 82,000 | $ 37,000 |
| Greene County Ohio | 37 | $ 3,555,000 | $ 96,000 | $ 41,000 |
| Morrow County Ohio | 36 | $ 3,499,000 | $ 97,000 | $ 47,000 |
| Ross County Ohio | 35 | $ 3,270,000 | $ 93,000 | $ 83,000 |
| Lucas County Ohio | 32 | $ 2,300,000 | $ 71,000 | $ 35,000 |
| Warren County Ohio | 29 | $ 3,926,000 | $ 135,000 | $ 68,000 |
| Clermont County Ohio | 28 | $ 3,306,000 | $ 118,000 | $ 39,000 |
| Washington County Ohio | 28 | $ 2,129,000 | $ 76,000 | $ 43,000 |
| Allen County Ohio | 27 | $ 2,262,000 | $ 83,000 | $ 44,000 |
| Mahoning County Ohio | 26 | $ 2,064,000 | $ 79,000 | $ 40,000 |
| Delaware County Ohio | 23 | $ 3,326,000 | $ 144,000 | $ 63,000 |
| Hancock County Ohio | 23 | $ 2,362,000 | $ 102,000 | $ 44,000 |
| Ashtabula County Ohio | 22 | $ 2,245,000 | $ 102,000 | $ 36,000 |
| Guernsey County Ohio | 21 | $ 1,703,000 | $ 81,000 | $ 43,000 |
| Hocking County Ohio | 21 | $ 1,860,000 | $ 88,000 | $ 33,000 |
| Jackson County Ohio | 20 | $ 1,424,000 | $ 71,000 | $ 33,000 |
| Montgomery County Pennsylvania | 20 | $ 2,864,000 | $ 143,000 | $ 56,000 |
| Hardin County Ohio | 19 | $ 1,505,000 | $ 79,000 | $ 33,000 |
| Berks County Pennsylvania | 18 | $ 2,177,000 | $ 120,000 | $ 34,000 |
| Cambria County Pennsylvania | 17 | $ 916,000 | $ 53,000 | $ 31,000 |
| Mercer County Pennsylvania | 17 | $ 2,198,000 | $ 129,000 | $ 40,000 |
| Jefferson County Ohio | 16 | $ 831,000 | $ 51,000 | $ 31,000 |
| Madison County Ohio | 16 | $ 1,696,000 | $ 106,000 | $ 46,000 |
| Miami County Ohio | 16 | $ 1,484,000 | $ 92,000 | $ 47,000 |
| Dauphin County Pennsylvania | 16 | $ 2,109,000 | $ 131,000 | $ 58,000 |
| Delaware County Pennsylvania | 16 | $ 1,756,000 | $ 109,000 | $ 48,000 |
| Lancaster County Pennsylvania | 15 | $ 1,791,000 | $ 119,000 | $ 50,000 |
| Lehigh County Pennsylvania | 15 | $ 1,690,000 | $ 112,000 | $ 47,000 |
| Pickaway County Ohio | 14 | $ 1,128,000 | $ 80,000 | $ 56,000 |
| Portage County Ohio | 14 | $ 1,932,000 | $ 138,000 | $ 66,000 |
| Wayne County Ohio | 14 | $ 1,633,000 | $ 116,000 | $ 38,000 |
| Monroe County Pennsylvania | 14 | $ 1,800,000 | $ 128,000 | $ 71,000 |
| Ashland County Ohio | 13 | $ 1,225,000 | $ 94,000 | $ 47,000 |
| Fayette County Ohio | 13 | $ 1,209,000 | $ 93,000 | $ 35,000 |
| Lake County Ohio | 13 | $ 1,700,000 | $ 130,000 | $ 44,000 |
| Huron County Ohio | 12 | $ 1,293,000 | $ 107,000 | $ 48,000 |
| Medina County Ohio | 12 | $ 2,006,000 | $ 167,000 | $ 63,000 |
| Northampton County Pennsylvania | 12 | $ 1,338,000 | $ 111,000 | $ 93,000 |
| Kenton County Kentucky | 11 | $ 1,150,000 | $ 104,000 | $ 58,000 |
| Highland County Ohio | 11 | $ 726,000 | $ 66,000 | $ 46,000 |
| Wyandot County Ohio | 11 | $ 963,000 | $ 87,000 | $ 53,000 |
| Bucks County Pennsylvania | 11 | $ 1,917,000 | $ 174,000 | $ 52,000 |
| Preble County Ohio | 10 | $ 1,022,000 | $ 102,000 | $ 37,000 |
| Wood County Ohio | 10 | $ 991,000 | $ 99,000 | $ 39,000 |
| Indiana County Pennsylvania | 10 | $ 745,000 | $ 74,000 | $ 70,000 |
| Campbell County Kentucky | 9 | $ 804,000 | $ 89,000 | $ 40,000 |
| Morgan County Ohio | 9 | $ 717,000 | $ 79,000 | $ 28,000 |
| Chester County Pennsylvania | 9 | $ 1,812,000 | $ 201,000 | $ 87,000 |
| Erie County Pennsylvania | 9 | $ 732,000 | $ 81,000 | $ 43,000 |
| Athens County Ohio | 8 | $ 721,000 | $ 90,000 | $ 57,000 |
| Brown County Ohio | 8 | $ 635,000 | $ 79,000 | $ 45,000 |
| Pike County Ohio | 8 | $ 562,000 | $ 70,000 | $ 36,000 |
| Tuscarawas County Ohio | 8 | $ 800,000 | $ 100,000 | $ 47,000 |
| Union County Ohio | 8 | $ 805,000 | $ 100,000 | $ 69,000 |
| Greenup County Kentucky | 7 | $ 560,000 | $ 80,000 | $ 29,000 |
| Jefferson County Kentucky | 7 | $ 680,000 | $ 97,000 | $ 48,000 |
| Wayne County Michigan | 7 | $ 490,000 | $ 70,000 | $ 27,000 |
| Van Wert County Ohio | 7 | $ 535,000 | $ 76,000 | $ 102,000 |
| Vinton County Ohio | 7 | $ 477,000 | $ 68,000 | $ 47,000 |
| Carroll County Ohio | 6 | $ 484,000 | $ 80,000 | $ 28,000 |
| Clinton County Ohio | 6 | $ 584,000 | $ 97,000 | $ 42,000 |
| Noble County Ohio | 6 | $ 454,000 | $ 75,000 | $ 38,000 |
| Boone County Kentucky | 5 | $ 796,000 | $ 159,000 | $ 68,000 |
| Shelby County Ohio | 5 | $ 438,000 | $ 87,000 | $ 29,000 |
| Lawrence County Pennsylvania | 5 | $ 364,000 | $ 72,000 | $ 23,000 |
| Boyd County Kentucky | 4 | $ 214,000 | $ 53,000 | $ 42,000 |
| Hardin County Kentucky | 4 | $ 362,000 | $ 90,000 | $ 25,000 |
| Holmes County Ohio | 4 | $ 236,000 | $ 59,000 | $ 50,000 |
| Logan County Ohio | 4 | $ 227,000 | $ 56,000 | $ 49,000 |
| Monroe County Ohio | 4 | $ 294,000 | $ 73,000 | $ 45,000 |
| Sandusky County Ohio | 4 | $ 386,000 | $ 96,000 | $ 27,000 |
| Fayette County Pennsylvania | 4 | $ 523,000 | $ 130,000 | $ 101,000 |
| Somerset County Pennsylvania | 4 | $ 243,000 | $ 60,000 | $ 42,000 |
| Belmont County Ohio | 3 | $ 357,000 | $ 119,000 | $ 50,000 |
| Gallia County Ohio | 3 | $ 137,000 | $ 45,000 | $ 16,000 |
| Geauga County Ohio | 3 | $ 318,000 | $ 106,000 | $ 44,000 |
| Dearborn County Indiana | 2 | $ 230,000 | $ 115,000 | $ 73,000 |
| Columbiana County Ohio | 2 | $ 77,000 | $ 38,000 | $ 22,000 |
| Meigs County Ohio | 2 | $ 136,000 | $ 68,000 | $ 50,000 |
| Scioto County Ohio | 2 | $ 101,000 | $ 50,000 | $ 60,000 |
| Greene County Pennsylvania | 2 | $ 56,000 | $ 28,000 | $ 32,000 |
| Douglas County Colorado | 1 | $ 177,000 | $ 177,000 | $ 37,000 |
| Lake County Indiana | 1 | $ 73,000 | $ 73,000 | $ 66,000 |
| Ripley County Indiana | 1 | $ 186,000 | $ 186,000 | $ 18,000 |
| Rockcastle County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 55,000 |
| Oakland County Michigan | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Somerset County New Jersey | 1 | $ 117,000 | $ 117,000 | $ 70,000 |
| Adams County Ohio | 1 | $ 51,000 | $ 51,000 | $ 35,000 |
| Defiance County Ohio | 1 | $ 147,000 | $ 147,000 | $ 17,000 |
| Harrison County Ohio | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Lawrence County Ohio | 1 | $ 46,000 | $ 46,000 | $ 12,000 |
| Mercer County Ohio | 1 | $ 87,000 | $ 87,000 | $ 42,000 |
| Ottawa County Ohio | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Putnam County Ohio | 1 | $ 354,000 | $ 354,000 | $ 368,000 |
| Armstrong County Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 12,000 |
| Crawford County Pennsylvania | 1 | $ 77,000 | $ 77,000 | $ 68,000 |
| Luzerne County Pennsylvania | 1 | $ 27,000 | $ 27,000 | $ 31,000 |
| Mifflin County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Equity Resources, Inc. in 2003
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 (home purchase or home improvement, one-to-four family) | 4,083 | $377,876,000 | $100,600 | $1,400,000 | $39,800 | $696,000 |
| Home Purchase (one-to-four family) | 326 | $30,156,000 | $119,500 | $600,000 | $64,000 | $368,000 |
| Home Improvement (one-to-four family) | 3 | $331,000 | $110,000 | $151,000 | $44,000 | $85,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,004 | $189,873,000 | $114,000 | $753,000 | $51,400 | $696,000 |
| Information not provided by applicant in mail or telephone application | 1,882 | $172,990,000 | $113,500 | $1,400,000 | $43,833 | $636,000 |
| Black | 459 | $38,608,000 | $76,500 | $405,000 | $46,750 | $648,000 |
| Other | 33 | $3,493,000 | $130,500 | $501,000 | $52,000 | $174,000 |
| Hispanic | 19 | $2,161,000 | $120,000 | $282,000 | $38,500 | $90,000 |
| Asian or Pacific Islander | 9 | $898,000 | $88,666 | $232,000 | $17,666 | $40,000 |
| American Indian or Alaskan Native | 6 | $340,000 | $53,000 | $97,000 | $27,500 | $41,000 |
| Not applicable | 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) | 4,382 | $405,966,000 | $109,714 | $1,400,000 | $48,571 | $696,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,095,000 | $81,500 | $159,000 | $47,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 2 | $250,000 | $125,000 | $150,000 | $54,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $52,000 | $52,000 | $52,000 | $30,000 | $30,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 3,378 | $316,121,000 | $101,833 | $1,400,000 | $47,666 | $648,000 |
| Loan Originated | 777 | $66,955,000 | $98,400 | $420,000 | $59,200 | $696,000 |
| Application Approved But Not Accepted | 210 | $21,577,000 | $89,250 | $390,000 | $43,500 | $250,000 |
| Application Withdrawn By Applicant | 43 | $3,348,000 | $104,666 | $244,000 | $58,000 | $174,000 |
| File Closed For Incompleteness | 4 | $362,000 | $119,000 | $177,000 | $34,000 | $57,000 |
| 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 | 2,321 | $211,716,000 | $93,333 | $1,400,000 | $56,666 | $648,000 |
| Collateral | 445 | $45,561,000 | $94,000 | $420,000 | $38,500 | $384,000 |
| Other | 351 | $32,786,000 | $80,666 | $600,000 | $45,666 | $368,000 |
| Debt-To-Income Ratio | 193 | $19,945,000 | $127,666 | $285,000 | $27,333 | $266,000 |
| Credit Application Incomplete | 50 | $4,764,000 | $95,000 | $334,000 | $46,000 | $125,000 |
| Employment History | 11 | $830,000 | $88,500 | $149,000 | $19,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $302,000 | $75,000 | $180,000 | $47,000 | $55,000 |
| Unverifiable Information | 3 | $217,000 | $72,000 | $96,000 | $28,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Equity Resources, Inc.'s 2003 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 Equity Resources, Inc.'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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