First Federal S&L Greene Co. Mortgage Lending & HMDA Data, 2003
In 2003, First Federal S&L Greene Co. of Waynesburg, PA reported 2,239 mortgage applications totaling $197.8 million. The average application was for $88,332, and applicants reported an average income of $63,039. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Pittsburgh, PA (1,195), Wheeling, WV-OH (4) and Johnstown, PA (1) (applications in parentheses).
| Mortgage Company & Address | First Federal S&L Greene Co. 25 East High Street Waynesburg, PA 15370 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 | 2,239 |
| Total Mortgage Loan Application Amount | $197,777,000 |
| Average Mortgage Loan Application Amount | $88,332 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $63,039 |
| Highest Applicant Income | $714,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal S&L Greene Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fayette, Pennsylvania | 727 | $ 55,620,000 | $ 76,506 | $ 52,000 |
| Greene, Pennsylvania | 538 | $ 39,661,000 | $ 73,719 | $ 57,000 |
| Washington, Pennsylvania | 404 | $ 44,278,000 | $ 109,599 | $ 64,000 |
| Monongalia, West Virginia | 247 | $ 25,451,000 | $ 103,040 | $ 74,000 |
| Marion, West Virginia | 124 | $ 10,456,000 | $ 84,322 | $ 61,000 |
| Westmoreland, Pennsylvania | 45 | $ 5,525,000 | $ 122,777 | $ 62,000 |
| Preston, West Virginia | 45 | $ 4,286,000 | $ 95,244 | $ 70,000 |
| Harrison, West Virginia | 40 | $ 4,344,000 | $ 108,600 | $ 57,000 |
| Taylor, West Virginia | 23 | $ 2,148,000 | $ 93,391 | $ 46,000 |
| Allegheny, Pennsylvania | 17 | $ 2,355,000 | $ 138,529 | $ 72,000 |
| Barbour, West Virginia | 8 | $ 601,000 | $ 75,125 | $ 65,000 |
| Garrett, Maryland | 4 | $ 1,228,000 | $ 307,000 | $ 126,000 |
| Lewis, West Virginia | 3 | $ 302,000 | $ 100,666 | $ 102,000 |
| Beaver, Pennsylvania | 2 | $ 444,000 | $ 222,000 | $ 87,000 |
| Doddridge, West Virginia | 2 | $ 174,000 | $ 87,000 | $ 65,000 |
| Marshall, West Virginia | 2 | $ 100,000 | $ 50,000 | $ 55,000 |
| Ohio, West Virginia | 2 | $ 246,000 | $ 123,000 | $ 98,000 |
| Upshur, West Virginia | 2 | $ 192,000 | $ 96,000 | $ 66,000 |
| Somerset, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| York, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Jefferson, West Virginia | 1 | $ 76,000 | $ 76,000 | $ 78,000 |
| Randolph, West Virginia | 1 | $ 70,000 | $ 70,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for First Federal S&L Greene Co. 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) | 1,630 | $141,376,000 | $161,000 | $800,000 | $85,333 | $714,000 |
| Home Purchase (one-to-four family) | 557 | $55,524,000 | $104,000 | $620,000 | $64,500 | $600,000 |
| Home Improvement (one-to-four family) | 52 | $877,000 | $16,000 | $100,000 | $52,000 | $114,000 |
| 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 | 2,220 | $196,177,000 | $162,666 | $800,000 | $85,000 | $714,000 |
| Black | 12 | $767,000 | $63,000 | $210,000 | $40,500 | $75,000 |
| Asian or Pacific Islander | 4 | $509,000 | $127,000 | $174,000 | $82,000 | $105,000 |
| American Indian or Alaskan Native | 3 | $324,000 | $108,000 | $120,000 | $85,000 | $129,000 |
| Hispanic | 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 |
| Other | 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) | 2,187 | $196,961,000 | $163,333 | $800,000 | $85,000 | $714,000 |
| FHA-insured (Federal Housing Administration) | 51 | $777,000 | $15,000 | $25,000 | $56,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 1 | $39,000 | $39,000 | $39,000 | $34,000 | $34,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,980 | $174,172,000 | $162,666 | $800,000 | $88,000 | $714,000 |
| Application Withdrawn By Applicant | 99 | $9,481,000 | $98,500 | $315,000 | $68,000 | $269,000 |
| Application Denied By Financial Institution | 85 | $7,479,000 | $78,500 | $306,000 | $47,000 | $122,000 |
| Application Approved But Not Accepted | 57 | $5,007,000 | $81,500 | $237,000 | $78,000 | $277,000 |
| File Closed For Incompleteness | 18 | $1,638,000 | $75,000 | $356,000 | $60,000 | $214,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 42 | $3,666,000 | $76,000 | $306,000 | $52,000 | $122,000 |
| Debt-To-Income Ratio | 19 | $1,768,000 | $85,500 | $300,000 | $35,000 | $77,000 |
| Collateral | 17 | $1,600,000 | $92,500 | $271,000 | $69,500 | $117,000 |
| Mortgage Insurance Denied | 2 | $126,000 | $63,000 | $101,000 | $39,000 | $47,000 |
| Employment History | 2 | $161,000 | $80,000 | $100,000 | $19,000 | $19,000 |
| Unverifiable Information | 2 | $117,000 | $58,000 | $65,000 | $53,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $41,000 | $41,000 | $41,000 | $34,000 | $34,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L Greene Co.'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 Greene Co.'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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