First Federal S & L of Delta Mortgage Lending & HMDA Data, 2003
In 2003, First Federal S & L of Delta of Delta, OH reported 646 mortgage applications totaling $63.4 million. The average application was for $98,165, and applicants reported an average income of $69,739. 90% of its applications resulted in an originated loan and 4% were denied. Its largest market was Toledo, OH (629).
| 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 | 646 |
| Total Mortgage Loan Application Amount | $63,415,000 |
| Average Mortgage Loan Application Amount | $98,165 |
| Highest Mortgage Loan Application Amount | $323,000 |
| Average Applicant Income | $69,739 |
| Highest Applicant Income | $464,000 |
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records First Federal S & L of Delta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lucas, Ohio | 321 | $ 31,373,000 | $ 97,735 | $ 77,000 |
| Fulton, Ohio | 282 | $ 27,207,000 | $ 96,478 | $ 49,000 |
| Wood, Ohio | 26 | $ 3,360,000 | $ 129,230 | $ 77,000 |
| Henry, Ohio | 16 | $ 1,401,000 | $ 87,562 | $ 53,000 |
| Defiance, Ohio | 1 | $ 74,000 | $ 74,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for First Federal S & L of Delta 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) | 584 | $57,293,000 | $98,000 | $323,000 | $72,000 | $464,000 |
| Home Purchase (one-to-four family) | 61 | $6,097,000 | $99,000 | $240,000 | $49,000 | $168,000 |
| Home Improvement (one-to-four family) | 1 | $25,000 | $25,000 | $25,000 | $15,000 | $15,000 |
| 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 | 639 | $62,724,000 | $98,000 | $323,000 | $62,000 | $464,000 |
| Hispanic | 4 | $394,000 | $98,000 | $137,000 | $20,000 | $52,000 |
| American Indian or Alaskan Native | 1 | $100,000 | $100,000 | $100,000 | $37,000 | $37,000 |
| Black | 1 | $125,000 | $125,000 | $125,000 | $123,000 | $123,000 |
| Other | 1 | $72,000 | $72,000 | $72,000 | $97,000 | $97,000 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 646 | $63,415,000 | $98,000 | $323,000 | $63,000 | $464,000 |
| 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 | 583 | $56,780,000 | $97,000 | $323,000 | $60,000 | $464,000 |
| Application Denied By Financial Institution | 28 | $3,323,000 | $118,000 | $315,000 | $61,000 | $133,000 |
| Application Approved But Not Accepted | 19 | $1,749,000 | $92,000 | $250,000 | $66,000 | $120,000 |
| Application Withdrawn By Applicant | 14 | $1,267,000 | $90,000 | $192,000 | $52,000 | $147,000 |
| File Closed For Incompleteness | 2 | $296,000 | $148,000 | $191,000 | $122,000 | $164,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 15 | $2,056,000 | $137,000 | $315,000 | $73,000 | $133,000 |
| Credit History | 10 | $1,003,000 | $100,000 | $139,000 | $52,000 | $84,000 |
| Debt-To-Income Ratio | 2 | $157,000 | $78,000 | $88,000 | $53,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $107,000 | $107,000 | $107,000 | $60,000 | $60,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 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 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.
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