Fidelity Federal S & L Mortgage Lending & HMDA Data, 2009
In 2009, Fidelity Federal S & L of Delaware, OH reported 89 mortgage applications totaling $9.8 million, down 4% from 2008. The average application was for $109,808, and applicants reported an average income of $80,516. 85% of its applications resulted in an originated loan and 7% were denied. Its largest market was Columbus, OH (86).
| Mortgage Company & Address | Fidelity Federal S & L 60 N Sandusky St, Po Box 279 Delaware, OH 43015 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 89 |
| Total Mortgage Loan Application Amount | $9,773,000 |
| Average Mortgage Loan Application Amount | $109,808 |
| Highest Mortgage Loan Application Amount | $404,000 |
| Average Applicant Income | $80,516 |
| Highest Applicant Income | $486,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Federal S & L filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbus, OH | 86 | $ 9,317,000 | $ 108,337 | $ 82,000 |
Mortgage Loan Application Detail Totals for Fidelity Federal S & L in 2009
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 | 52 | $5,772,000 | $111,000 | $315,000 | $82,000 | $486,000 |
| Home Purchase | 25 | $2,916,000 | $116,000 | $404,000 | $70,000 | $240,000 |
| Home Improvement | 12 | $1,085,000 | $90,000 | $235,000 | $96,000 | $331,000 |
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 | 77 | $8,730,000 | $113,000 | $404,000 | $90,000 | $486,000 |
| Not applicable | 8 | $800,000 | $100,000 | $195,000 | $0 | $0 |
| Asian | 3 | $125,000 | $41,000 | $45,000 | $47,000 | $47,000 |
| Black or African American | 1 | $118,000 | $118,000 | $118,000 | $116,000 | $116,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 89 | $9,773,000 | $109,000 | $404,000 | $81,000 | $486,000 |
| 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 | 76 | $8,024,000 | $105,000 | $325,000 | $86,000 | $486,000 |
| Application Denied By Financial Institution | 6 | $859,000 | $143,000 | $404,000 | $58,000 | $101,000 |
| Application Withdrawn By Applicant | 6 | $740,000 | $123,000 | $260,000 | $41,000 | $94,000 |
| File Closed For Incompleteness | 1 | $150,000 | $150,000 | $150,000 | $93,000 | $93,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $648,000 | $216,000 | $404,000 | $73,000 | $101,000 |
| Credit History | 2 | $136,000 | $68,000 | $86,000 | $49,000 | $70,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $30,000 | $30,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Federal S & L's 2009 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 Fidelity Federal S & L'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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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