Equity Resources, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Equity Resources, Inc. 2004 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 | 4,819 |
| Total Mortgage Loan Application Amount | $481,433,000 |
| Average Mortgage Loan Application Amount | $135,350 |
| Highest Mortgage Loan Application Amount | $665,000 |
| Average Applicant Income | $75,250 |
| Highest Applicant Income | $950,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 619 | $ 63,546,000 | $ 102,000 | $ 53,000 |
| Allegheny County Pennsylvania | 342 | $ 29,976,000 | $ 87,000 | $ 53,000 |
| Franklin County Ohio | 330 | $ 38,136,000 | $ 115,000 | $ 50,000 |
| Hamilton County Ohio | 255 | $ 27,219,000 | $ 106,000 | $ 51,000 |
| Butler County Ohio | 189 | $ 19,239,000 | $ 101,000 | $ 55,000 |
| Washington County Pennsylvania | 167 | $ 12,210,000 | $ 73,000 | $ 42,000 |
| Muskingum County Ohio | 144 | $ 11,691,000 | $ 81,000 | $ 41,000 |
| Westmoreland County Pennsylvania | 124 | $ 11,578,000 | $ 93,000 | $ 50,000 |
| Montgomery County Ohio | 110 | $ 9,078,000 | $ 82,000 | $ 42,000 |
| Knox County Ohio | 109 | $ 11,001,000 | $ 100,000 | $ 48,000 |
| Richland County Ohio | 103 | $ 8,443,000 | $ 81,000 | $ 47,000 |
| Fairfield County Ohio | 100 | $ 11,761,000 | $ 117,000 | $ 55,000 |
| Stark County Ohio | 91 | $ 8,718,000 | $ 95,000 | $ 45,000 |
| Philadelphia County Pennsylvania | 85 | $ 6,278,000 | $ 73,000 | $ 40,000 |
| Beaver County Pennsylvania | 82 | $ 7,801,000 | $ 95,000 | $ 50,000 |
| Summit County Ohio | 81 | $ 8,903,000 | $ 109,000 | $ 39,000 |
| Trumbull County Ohio | 69 | $ 5,819,000 | $ 84,000 | $ 40,000 |
| Jefferson County Kentucky | 65 | $ 6,936,000 | $ 106,000 | $ 39,000 |
| Lucas County Ohio | 60 | $ 6,126,000 | $ 102,000 | $ 46,000 |
| Clark County Ohio | 57 | $ 4,687,000 | $ 82,000 | $ 38,000 |
| Butler County Pennsylvania | 56 | $ 5,111,000 | $ 91,000 | $ 56,000 |
| Coshocton County Ohio | 51 | $ 4,921,000 | $ 96,000 | $ 55,000 |
| Perry County Ohio | 48 | $ 4,635,000 | $ 96,000 | $ 47,000 |
| Warren County Ohio | 48 | $ 6,374,000 | $ 132,000 | $ 68,000 |
| Marion County Ohio | 47 | $ 3,887,000 | $ 82,000 | $ 42,000 |
| Bucks County Pennsylvania | 46 | $ 7,254,000 | $ 157,000 | $ 70,000 |
| Lancaster County Pennsylvania | 44 | $ 4,874,000 | $ 110,000 | $ 43,000 |
| Lorain County Ohio | 41 | $ 4,517,000 | $ 110,000 | $ 42,000 |
| Cambria County Pennsylvania | 38 | $ 2,282,000 | $ 60,000 | $ 31,000 |
| Orange County Florida | 35 | $ 3,399,000 | $ 97,000 | $ 35,000 |
| Crawford County Ohio | 35 | $ 2,879,000 | $ 82,000 | $ 38,000 |
| Darke County Ohio | 34 | $ 2,829,000 | $ 83,000 | $ 33,000 |
| Greene County Ohio | 33 | $ 3,463,000 | $ 104,000 | $ 40,000 |
| Delaware County Ohio | 32 | $ 5,044,000 | $ 157,000 | $ 47,000 |
| Morrow County Ohio | 32 | $ 3,240,000 | $ 101,000 | $ 44,000 |
| Cuyahoga County Ohio | 31 | $ 3,136,000 | $ 101,000 | $ 44,000 |
| Ross County Ohio | 31 | $ 3,248,000 | $ 104,000 | $ 38,000 |
| Mahoning County Ohio | 30 | $ 2,585,000 | $ 86,000 | $ 43,000 |
| Huron County Ohio | 29 | $ 2,839,000 | $ 97,000 | $ 36,000 |
| Pickaway County Ohio | 28 | $ 3,890,000 | $ 138,000 | $ 47,000 |
| Lake County Ohio | 27 | $ 3,790,000 | $ 140,000 | $ 47,000 |
| Northampton County Pennsylvania | 25 | $ 2,336,000 | $ 93,000 | $ 46,000 |
| Champaign County Ohio | 24 | $ 2,258,000 | $ 94,000 | $ 40,000 |
| Clermont County Ohio | 24 | $ 3,011,000 | $ 125,000 | $ 48,000 |
| Chester County Pennsylvania | 24 | $ 4,602,000 | $ 191,000 | $ 58,000 |
| Berks County Pennsylvania | 23 | $ 2,289,000 | $ 99,000 | $ 47,000 |
| Monroe County Pennsylvania | 23 | $ 3,293,000 | $ 143,000 | $ 49,000 |
| Ashtabula County Ohio | 20 | $ 2,034,000 | $ 101,000 | $ 61,000 |
| Medina County Ohio | 20 | $ 3,152,000 | $ 157,000 | $ 61,000 |
| Polk County Florida | 19 | $ 2,447,000 | $ 128,000 | $ 46,000 |
| Montgomery County Pennsylvania | 19 | $ 2,746,000 | $ 144,000 | $ 55,000 |
| Hancock County Ohio | 18 | $ 1,880,000 | $ 104,000 | $ 41,000 |
| Miami County Ohio | 18 | $ 1,549,000 | $ 86,000 | $ 58,000 |
| Portage County Ohio | 18 | $ 2,083,000 | $ 115,000 | $ 40,000 |
| Dauphin County Pennsylvania | 17 | $ 1,501,000 | $ 88,000 | $ 39,000 |
| Hardin County Kentucky | 16 | $ 1,419,000 | $ 88,000 | $ 49,000 |
| Hardin County Ohio | 16 | $ 1,335,000 | $ 83,000 | $ 47,000 |
| Delaware County Pennsylvania | 16 | $ 1,554,000 | $ 97,000 | $ 50,000 |
| Kenton County Kentucky | 15 | $ 1,272,000 | $ 84,000 | $ 46,000 |
| Highland County Ohio | 15 | $ 1,427,000 | $ 95,000 | $ 52,000 |
| Lehigh County Pennsylvania | 15 | $ 1,420,000 | $ 94,000 | $ 38,000 |
| Fayette County Pennsylvania | 14 | $ 1,186,000 | $ 84,000 | $ 35,000 |
| Ashland County Ohio | 13 | $ 1,335,000 | $ 102,000 | $ 43,000 |
| Jefferson County Ohio | 13 | $ 926,000 | $ 71,000 | $ 45,000 |
| Allen County Ohio | 12 | $ 947,000 | $ 78,000 | $ 36,000 |
| Tuscarawas County Ohio | 12 | $ 923,000 | $ 76,000 | $ 37,000 |
| Washington County Ohio | 12 | $ 971,000 | $ 80,000 | $ 43,000 |
| Mercer County Pennsylvania | 12 | $ 969,000 | $ 80,000 | $ 42,000 |
| Guernsey County Ohio | 11 | $ 718,000 | $ 65,000 | $ 42,000 |
| Marion County Florida | 10 | $ 1,147,000 | $ 114,000 | $ 36,000 |
| Madison County Ohio | 10 | $ 1,063,000 | $ 106,000 | $ 37,000 |
| Wood County Ohio | 10 | $ 1,299,000 | $ 129,000 | $ 48,000 |
| Brown County Ohio | 9 | $ 1,002,000 | $ 111,000 | $ 58,000 |
| Hocking County Ohio | 9 | $ 774,000 | $ 86,000 | $ 25,000 |
| Sandusky County Ohio | 9 | $ 824,000 | $ 91,000 | $ 41,000 |
| Campbell County Kentucky | 8 | $ 888,000 | $ 111,000 | $ 39,000 |
| Fayette County Ohio | 8 | $ 588,000 | $ 73,000 | $ 24,000 |
| Wayne County Ohio | 8 | $ 812,000 | $ 101,000 | $ 43,000 |
| Indiana County Pennsylvania | 8 | $ 373,000 | $ 46,000 | $ 35,000 |
| Lawrence County Pennsylvania | 8 | $ 586,000 | $ 73,000 | $ 48,000 |
| Somerset County Pennsylvania | 8 | $ 409,000 | $ 51,000 | $ 43,000 |
| Alachua County Florida | 7 | $ 541,000 | $ 77,000 | $ 45,000 |
| Hernando County Florida | 7 | $ 960,000 | $ 137,000 | $ 54,000 |
| Marion County Indiana | 7 | $ 651,000 | $ 93,000 | $ 48,000 |
| Preble County Ohio | 7 | $ 765,000 | $ 109,000 | $ 48,000 |
| Van Wert County Ohio | 7 | $ 603,000 | $ 86,000 | $ 35,000 |
| Wyandot County Ohio | 7 | $ 466,000 | $ 66,000 | $ 45,000 |
| Lake County Florida | 6 | $ 771,000 | $ 128,000 | $ 49,000 |
| Seminole County Florida | 6 | $ 1,050,000 | $ 175,000 | $ 43,000 |
| Collier County Florida | 5 | $ 1,206,000 | $ 241,000 | $ 214,000 |
| Athens County Ohio | 5 | $ 439,000 | $ 87,000 | $ 47,000 |
| Geauga County Ohio | 5 | $ 1,593,000 | $ 318,000 | $ 82,000 |
| Morgan County Ohio | 5 | $ 445,000 | $ 89,000 | $ 44,000 |
| Pike County Ohio | 5 | $ 387,000 | $ 77,000 | $ 29,000 |
| Shelby County Ohio | 5 | $ 359,000 | $ 71,000 | $ 45,000 |
| Armstrong County Pennsylvania | 5 | $ 305,000 | $ 61,000 | $ 44,000 |
| Greene County Pennsylvania | 5 | $ 175,000 | $ 35,000 | $ 37,000 |
| Clinton County Ohio | 4 | $ 359,000 | $ 89,000 | $ 45,000 |
| Ottawa County Ohio | 4 | $ 543,000 | $ 135,000 | $ 33,000 |
| Erie County Pennsylvania | 4 | $ 384,000 | $ 96,000 | $ 54,000 |
| Boone County Kentucky | 3 | $ 504,000 | $ 168,000 | $ 70,000 |
| Clay County Kentucky | 3 | $ 331,000 | $ 110,000 | $ 62,000 |
| Belmont County Ohio | 3 | $ 239,000 | $ 79,000 | $ 108,000 |
| Carroll County Ohio | 3 | $ 311,000 | $ 103,000 | $ 34,000 |
| Columbiana County Ohio | 3 | $ 252,000 | $ 84,000 | $ 28,000 |
| Holmes County Ohio | 3 | $ 82,000 | $ 27,000 | $ 28,000 |
| Lawrence County Ohio | 3 | $ 270,000 | $ 90,000 | $ 38,000 |
| Noble County Ohio | 3 | $ 252,000 | $ 84,000 | $ 43,000 |
| Union County Ohio | 3 | $ 372,000 | $ 124,000 | $ 51,000 |
| Warren County Kentucky | 2 | $ 209,000 | $ 104,000 | $ 47,000 |
| Anne Arundel County Maryland | 2 | $ 270,000 | $ 135,000 | $ 97,000 |
| Wayne County Michigan | 2 | $ 255,000 | $ 127,000 | $ 50,000 |
| Erie County Ohio | 2 | $ 181,000 | $ 90,000 | $ 46,000 |
| Gallia County Ohio | 2 | $ 170,000 | $ 85,000 | $ 20,000 |
| Seneca County Ohio | 2 | $ 192,000 | $ 96,000 | $ 43,000 |
| Luzerne County Pennsylvania | 2 | $ 86,000 | $ 43,000 | $ 51,000 |
| Pike County Pennsylvania | 2 | $ 318,000 | $ 159,000 | $ 41,000 |
| Okaloosa County Florida | 1 | $ 300,000 | $ 300,000 | $ 147,000 |
| Pinellas County Florida | 1 | $ 109,000 | $ 109,000 | $ 39,000 |
| Putnam County Florida | 1 | $ 212,000 | $ 212,000 | $ 51,000 |
| Coweta County Georgia | 1 | $ 129,000 | $ 129,000 | $ 49,000 |
| Dearborn County Indiana | 1 | $ 138,000 | $ 138,000 | $ 42,000 |
| Fayette County Indiana | 1 | $ 117,000 | $ 117,000 | $ 56,000 |
| Boyd County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 34,000 |
| Boyle County Kentucky | 1 | $ 123,000 | $ 123,000 | $ 42,000 |
| Fayette County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 3,000 |
| Madison County Kentucky | 1 | $ 103,000 | $ 103,000 | $ 37,000 |
| Nelson County Kentucky | 1 | $ 281,000 | $ 281,000 | $ 53,000 |
| Montgomery County Maryland | 1 | $ 379,000 | $ 379,000 | $ 107,000 |
| Ingham County Michigan | 1 | $ 60,000 | $ 60,000 | $ 16,000 |
| Adams County Ohio | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Auglaize County Ohio | 1 | $ 84,000 | $ 84,000 | $ 93,000 |
| Defiance County Ohio | 1 | $ 120,000 | $ 120,000 | $ 98,000 |
| Henry County Ohio | 1 | $ 129,000 | $ 129,000 | $ 36,000 |
| Jackson County Ohio | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Logan County Ohio | 1 | $ 53,000 | $ 53,000 | $ 19,000 |
| Meigs County Ohio | 1 | $ 69,000 | $ 69,000 | $ 65,000 |
| Scioto County Ohio | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Vinton County Ohio | 1 | $ 80,000 | $ 80,000 | $ 52,000 |
| Bedford County Pennsylvania | 1 | $ 73,000 | $ 73,000 | $ 150,000 |
| Blair County Pennsylvania | 1 | $ 12,000 | $ 12,000 | $ 10,000 |
| Elk County Pennsylvania | 1 | $ 31,000 | $ 31,000 | $ 60,000 |
| Jefferson County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 17,000 |
| Lackawanna County Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 37,000 |
| McKean County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 98,000 |
| Perry County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 12,000 |
| Beaufort County South Carolina | 1 | $ 334,000 | $ 334,000 | $ 344,000 |
Mortgage Loan Application Detail Totals for Equity Resources, Inc. in 2004
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 | 4,133 | $411,604,000 | $129,750 | $665,000 | $50,250 | $950,000 |
| Home Purchase | 655 | $67,407,000 | $160,111 | $500,000 | $108,000 | $347,000 |
| Home Improvement | 31 | $2,422,000 | $76,000 | $272,000 | $43,666 | $102,000 |
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 | 3,919 | $394,241,000 | $137,000 | $665,000 | $81,100 | $950,000 |
| Black or African American | 677 | $64,102,000 | $99,571 | $525,000 | $44,285 | $250,000 |
| Not Provided | 132 | $12,806,000 | $110,833 | $412,000 | $51,000 | $165,000 |
| Hispanic | 56 | $5,407,000 | $105,600 | $220,000 | $44,600 | $95,000 |
| Asian | 21 | $3,379,000 | $161,333 | $374,000 | $78,666 | $129,000 |
| American Indian or Alaskan Native | 7 | $787,000 | $109,000 | $200,000 | $28,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $711,000 | $93,666 | $163,000 | $37,333 | $59,000 |
| 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) | 4,781 | $478,049,000 | $139,700 | $665,000 | $82,700 | $950,000 |
| FHA-insured (Federal Housing Administration) | 34 | $3,022,000 | $88,500 | $182,000 | $46,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $177,000 | $88,000 | $117,000 | $53,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 2 | $185,000 | $92,000 | $102,000 | $39,000 | $47,000 |
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 | 3,367 | $334,669,000 | $92,285 | $665,000 | $38,714 | $950,000 |
| Loan Originated | 1,086 | $106,575,000 | $159,000 | $616,000 | $103,750 | $347,000 |
| Application Approved But Not Accepted | 332 | $36,789,000 | $126,428 | $520,000 | $52,000 | $252,000 |
| Application Withdrawn By Applicant | 26 | $2,730,000 | $77,333 | $284,000 | $45,000 | $97,000 |
| File Closed For Incompleteness | 7 | $520,000 | $80,500 | $151,000 | $26,500 | $158,000 |
| Preapproval Approved but not Accepted | 1 | $150,000 | $150,000 | $150,000 | $118,000 | $118,000 |
| Preapproval Denied by Financial Institution | 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 | 372 | $34,819,000 | $94,400 | $665,000 | $36,400 | $576,000 |
| Other | 224 | $21,514,000 | $92,250 | $272,000 | $42,250 | $204,000 |
| Collateral | 78 | $7,440,000 | $88,400 | $265,000 | $40,200 | $115,000 |
| Debt-To-Income Ratio | 29 | $3,228,000 | $110,000 | $266,000 | $30,000 | $67,000 |
| Employment History | 3 | $248,000 | $82,000 | $96,000 | $56,000 | $81,000 |
| Credit Application Incomplete | 2 | $422,000 | $211,000 | $244,000 | $130,000 | $180,000 |
| Unverifiable Information | 1 | $30,000 | $30,000 | $30,000 | $11,000 | $11,000 |
| Mortgage Insurance Denied | 1 | $15,000 | $15,000 | $15,000 | $44,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Equity Resources, Inc.'s 2004 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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