Fds Bank Mortgage Lending & HMDA Data, 2003
In 2003, Fds Bank of Mason, OH reported 177 mortgage applications totaling $35.7 million. The average application was for $201,723, and applicants reported an average income of $113,926. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Atlanta, GA (16), Phoenix-Mesa, AZ (11) and New York, NY (10) (applications in parentheses).
| Mortgage Company & Address | Fds Bank 9111 Duke Blvd Mason, OH 45040 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2003 |
| Total Number of Mortgage Applications | 177 |
| Total Mortgage Loan Application Amount | $35,705,000 |
| Average Mortgage Loan Application Amount | $201,723 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $113,926 |
| Highest Applicant Income | $363,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fds Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta, GA | 16 | $ 3,228,000 | $ 201,750 | $ 117,000 |
| Phoenix-Mesa, AZ | 11 | $ 2,166,000 | $ 196,909 | $ 141,000 |
| New York, NY | 10 | $ 2,437,000 | $ 243,700 | $ 103,000 |
| Middlesex-Somerset-Hunterdon, NJ | 9 | $ 1,802,000 | $ 200,222 | $ 116,000 |
| Newark, NJ | 7 | $ 1,216,000 | $ 173,714 | $ 108,000 |
| San Francisco, CA | 6 | $ 1,826,000 | $ 304,333 | $ 106,000 |
| Philadelphia, PA-NJ | 5 | $ 976,000 | $ 195,200 | $ 87,000 |
| Boston, MA-NH | 4 | $ 1,271,000 | $ 317,750 | $ 105,000 |
| Los Angeles-Long Beach, CA | 4 | $ 851,000 | $ 212,750 | $ 135,000 |
| Minneapolis-St. Paul, MN-WI | 4 | $ 724,000 | $ 181,000 | $ 126,000 |
| Nassau-Suffolk, NY | 4 | $ 971,000 | $ 242,750 | $ 119,000 |
| Brockton, MA | 3 | $ 921,000 | $ 307,000 | $ 167,000 |
| Cincinnati, OH-KY-IN | 3 | $ 567,000 | $ 189,000 | $ 108,000 |
| Fort Lauderdale, FL | 3 | $ 370,000 | $ 123,333 | $ 85,000 |
| Fresno, CA | 3 | $ 435,000 | $ 145,000 | $ 52,000 |
| Honolulu, HI | 3 | $ 554,000 | $ 184,666 | $ 82,000 |
| Houston, TX | 3 | $ 404,000 | $ 134,666 | $ 94,000 |
| Orange County, CA | 3 | $ 842,000 | $ 280,666 | $ 291,000 |
| Sacramento, CA | 3 | $ 747,000 | $ 249,000 | $ 108,000 |
| San Diego, CA | 3 | $ 619,000 | $ 206,333 | $ 120,000 |
| San Jose, CA | 3 | $ 1,267,000 | $ 422,333 | $ 119,000 |
| Atlantic-Cape May, NJ | 2 | $ 306,000 | $ 153,000 | $ 121,000 |
| Chicago, IL | 2 | $ 323,000 | $ 161,500 | $ 114,000 |
| Danbury, CT | 2 | $ 307,000 | $ 153,500 | $ 100,000 |
| Miami, FL | 2 | $ 330,000 | $ 165,000 | $ 90,000 |
| Monmouth-Ocean, NJ | 2 | $ 247,000 | $ 123,500 | $ 109,000 |
| Oakland, CA | 2 | $ 451,000 | $ 225,500 | $ 127,000 |
| Punta Gorda, FL | 2 | $ 356,000 | $ 178,000 | $ 42,000 |
| Raleigh-Durham-Chapel Hill, NC | 2 | $ 279,000 | $ 139,500 | $ 115,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 2 | $ 220,000 | $ 110,000 | $ 42,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 566,000 | $ 283,000 | $ 208,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 576,000 | $ 288,000 | $ 53,000 |
| West Palm Beach-Boca Raton, FL | 2 | $ 434,000 | $ 217,000 | $ 148,000 |
| Wilmington-Newark, DE-MD | 2 | $ 232,000 | $ 116,000 | $ 56,000 |
| Bergen-Passaic, NJ | 1 | $ 170,000 | $ 170,000 | $ 67,000 |
| Bridgeport, CT | 1 | $ 280,000 | $ 280,000 | $ 180,000 |
| Dallas, TX | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Erie, PA | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Fort Collins-Loveland, CO | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Fort Pierce-Port St. Lucie, FL | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Fort Worth-Arlington, TX | 1 | $ 58,000 | $ 58,000 | $ 90,000 |
| Hartford, CT | 1 | $ 218,000 | $ 218,000 | $ 286,000 |
| Jersey City, NJ | 1 | $ 180,000 | $ 180,000 | $ 77,000 |
| Lake Charles, LA | 1 | $ 240,000 | $ 240,000 | $ 90,000 |
| Louisville, KY-IN | 1 | $ 208,000 | $ 208,000 | $ 161,000 |
| Lowell, MA-NH | 1 | $ 350,000 | $ 350,000 | $ 247,000 |
| Melbourne-Titusville-Palm Bay, FL | 1 | $ 137,000 | $ 137,000 | $ 38,000 |
| Nashua, NH | 1 | $ 190,000 | $ 190,000 | $ 96,000 |
| Nashville, TN | 1 | $ 110,000 | $ 110,000 | $ 97,000 |
| Pittsburgh, PA | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
| Portland, ME | 1 | $ 68,000 | $ 68,000 | $ 66,000 |
| Riverside-San Bernardino, CA | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Salinas, CA | 1 | $ 290,000 | $ 290,000 | $ 80,000 |
| Vallejo-Fairfield-Napa, CA | 1 | $ 60,000 | $ 60,000 | $ 84,000 |
| Washington, DC-MD-VA-WV | 1 | $ 310,000 | $ 310,000 | $ 270,000 |
| Waterbury, CT | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Fds Bank 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) | 158 | $32,525,000 | $190,741 | $500,000 | $113,451 | $363,000 |
| Home Purchase (one-to-four family) | 17 | $3,075,000 | $143,636 | $550,000 | $73,181 | $162,000 |
| Home Improvement (one-to-four family) | 2 | $105,000 | $52,500 | $80,000 | $172,500 | $200,000 |
| 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 | 121 | $24,332,000 | $181,103 | $500,000 | $115,965 | $335,000 |
| Information not provided by applicant in mail or telephone application | 43 | $9,032,000 | $198,312 | $550,000 | $102,250 | $309,000 |
| Hispanic | 6 | $1,165,000 | $177,600 | $278,000 | $131,600 | $363,000 |
| Asian or Pacific Islander | 4 | $736,000 | $184,000 | $222,000 | $89,750 | $113,000 |
| Black | 2 | $290,000 | $145,000 | $210,000 | $152,000 | $200,000 |
| Other | 1 | $150,000 | $150,000 | $150,000 | $76,000 | $76,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 177 | $35,705,000 | $182,741 | $550,000 | $107,451 | $363,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 113 | $23,967,000 | $201,555 | $497,000 | $124,111 | $363,000 |
| Application Denied By Financial Institution | 31 | $6,063,000 | $190,052 | $550,000 | $88,473 | $176,000 |
| Application Approved But Not Accepted | 30 | $5,020,000 | $168,384 | $300,000 | $109,153 | $363,000 |
| File Closed For Incompleteness | 3 | $655,000 | $218,333 | $350,000 | $119,333 | $247,000 |
| Application Withdrawn By Applicant | 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 | 11 | $1,194,000 | $96,875 | $368,000 | $68,375 | $145,000 |
| Other | 8 | $1,580,000 | $215,000 | $256,000 | $116,000 | $175,000 |
| Collateral | 6 | $1,195,000 | $174,250 | $310,000 | $89,250 | $176,000 |
| Debt-To-Income Ratio | 6 | $2,094,000 | $320,800 | $550,000 | $92,400 | $153,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fds Bank'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 Fds Bank'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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