First Federal S & L of Delta Mortgage Lending & HMDA Data, 2004
In 2004, First Federal S & L of Delta of Delta, OH reported 202 mortgage applications totaling $21.6 million, down 69% from 2003. The average application was for $107,079, and applicants reported an average income of $78,108. 83% of its applications resulted in an originated loan and 9% were denied. Its largest market was Toledo, OH (199).
| 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 | 202 |
| Total Mortgage Loan Application Amount | $21,630,000 |
| Average Mortgage Loan Application Amount | $107,079 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $78,108 |
| 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records First Federal S & L of Delta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 108 | $ 11,921,000 | $ 110,379 | $ 85,000 |
| Fulton, Ohio | 79 | $ 8,010,000 | $ 101,392 | $ 72,000 |
| Wood, Ohio | 12 | $ 1,404,000 | $ 117,000 | $ 59,000 |
| Henry, Ohio | 3 | $ 295,000 | $ 98,333 | $ 63,000 |
Mortgage Loan Application Detail Totals for First Federal S & L of Delta 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 | 131 | $14,036,000 | $107,000 | $240,000 | $80,000 | $250,000 |
| Home Purchase | 54 | $6,036,000 | $111,000 | $333,000 | $83,000 | $464,000 |
| Home Improvement | 17 | $1,558,000 | $91,000 | $190,000 | $48,000 | $90,000 |
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 | 200 | $21,288,000 | $106,000 | $333,000 | $75,000 | $464,000 |
| Black or African American | 2 | $342,000 | $171,000 | $178,000 | $92,000 | $108,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 202 | $21,630,000 | $107,000 | $333,000 | $76,000 | $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 | 167 | $17,486,000 | $104,000 | $333,000 | $67,000 | $464,000 |
| Application Denied By Financial Institution | 18 | $2,317,000 | $128,000 | $225,000 | $83,000 | $184,000 |
| Application Approved But Not Accepted | 10 | $1,192,000 | $119,000 | $200,000 | $76,000 | $464,000 |
| Application Withdrawn By Applicant | 6 | $570,000 | $95,000 | $190,000 | $75,000 | $156,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $72,000 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $933,000 | $116,000 | $178,000 | $93,000 | $173,000 |
| Debt-To-Income Ratio | 4 | $445,000 | $111,000 | $200,000 | $55,000 | $156,000 |
| Collateral | 4 | $677,000 | $169,000 | $225,000 | $115,000 | $184,000 |
| Other | 2 | $262,000 | $131,000 | $192,000 | $55,000 | $85,000 |
| 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S & L of Delta'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 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