First Federal S & L of Delta Mortgage Lending & HMDA Data, 2010
In 2010, First Federal S & L of Delta of Delta, OH reported 144 mortgage applications totaling $15.2 million, down 41% from 2009. The average application was for $105,763, and applicants reported an average income of $72,236. 72% of its applications resulted in an originated loan and 14% were denied. Its largest market was Toledo, OH (132).
| Mortgage Company & Address | First Federal S & L of Delta 404 Main Street Delta, OH 43515 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 | 144 |
| Total Mortgage Loan Application Amount | $15,230,000 |
| Average Mortgage Loan Application Amount | $105,763 |
| Highest Mortgage Loan Application Amount | $370,000 |
| Average Applicant Income | $72,236 |
| Highest Applicant Income | $303,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal S & L of Delta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Federal S & L of Delta in 2010
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 | 75 | $8,212,000 | $109,000 | $340,000 | $79,000 | $271,000 |
| Home Purchase | 58 | $5,838,000 | $100,000 | $370,000 | $66,000 | $303,000 |
| Home Improvement | 11 | $1,180,000 | $107,000 | $230,000 | $59,000 | $106,000 |
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 | 142 | $14,975,000 | $105,000 | $370,000 | $72,000 | $303,000 |
| Hispanic | 2 | $255,000 | $127,000 | $139,000 | $80,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 144 | $15,230,000 | $105,000 | $370,000 | $72,000 | $303,000 |
| 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 | 103 | $10,476,000 | $101,000 | $370,000 | $75,000 | $303,000 |
| Application Denied By Financial Institution | 20 | $2,454,000 | $122,000 | $340,000 | $63,000 | $167,000 |
| Application Approved But Not Accepted | 12 | $1,369,000 | $114,000 | $200,000 | $73,000 | $176,000 |
| Application Withdrawn By Applicant | 8 | $799,000 | $99,000 | $168,000 | $58,000 | $98,000 |
| File Closed For Incompleteness | 1 | $132,000 | $132,000 | $132,000 | $110,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $1,226,000 | $136,000 | $249,000 | $67,000 | $117,000 |
| Credit History | 6 | $510,000 | $85,000 | $149,000 | $47,000 | $86,000 |
| Debt-To-Income Ratio | 2 | $555,000 | $277,000 | $340,000 | $114,000 | $167,000 |
| Mortgage Insurance Denied | 2 | $125,000 | $62,000 | $87,000 | $49,000 | $51,000 |
| Other | 1 | $38,000 | $38,000 | $38,000 | $51,000 | $51,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S & L of Delta's 2010 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 First Federal S & L of Delta'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About