First Federal S&L Greene Co. Mortgage Lending & HMDA Data, 2006
In 2006, First Federal S&L Greene Co. of Waynesburg, PA reported 800 mortgage applications totaling $85.5 million, up 3% from 2005. The average application was for $106,821, and applicants reported an average income of $68,787. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Pittsburgh, PA (390), Morgantown, WV (79) and Wheeling, WV-OH (3) (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 | 800 |
| Total Mortgage Loan Application Amount | $85,457,000 |
| Average Mortgage Loan Application Amount | $106,821 |
| Highest Mortgage Loan Application Amount | $890,000 |
| Average Applicant Income | $68,787 |
| Highest Applicant Income | $450,000 |
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records First Federal S&L Greene Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Greene, Pennsylvania | 247 | $ 19,754,000 | $ 79,975 | $ 58,000 |
| Fayette, Pennsylvania | 185 | $ 18,898,000 | $ 102,151 | $ 73,000 |
| Washington, Pennsylvania | 176 | $ 22,479,000 | $ 127,721 | $ 71,000 |
| Monongalia, West Virginia | 63 | $ 7,785,000 | $ 123,571 | $ 75,000 |
| Marion, West Virginia | 48 | $ 6,066,000 | $ 126,375 | $ 74,000 |
| Allegheny, Pennsylvania | 20 | $ 2,885,000 | $ 144,250 | $ 107,000 |
| Preston, West Virginia | 16 | $ 1,626,000 | $ 101,625 | $ 55,000 |
| Harrison, West Virginia | 14 | $ 2,040,000 | $ 145,714 | $ 81,000 |
| Taylor, West Virginia | 11 | $ 1,524,000 | $ 138,545 | $ 69,000 |
| Westmoreland, Pennsylvania | 9 | $ 981,000 | $ 109,000 | $ 64,000 |
| Marshall, West Virginia | 3 | $ 220,000 | $ 73,333 | $ 29,000 |
| Mesa, Colorado | 1 | $ 141,000 | $ 141,000 | $ 65,000 |
| Palm Beach, Florida | 1 | $ 390,000 | $ 390,000 | $ 102,000 |
| Garrett, Maryland | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Gallatin, Montana | 1 | $ 150,000 | $ 150,000 | $ 120,000 |
| Barbour, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Cabell, West Virginia | 1 | $ 82,000 | $ 82,000 | $ 124,000 |
| Lewis, West Virginia | 1 | $ 192,000 | $ 192,000 | $ 72,000 |
| Randolph, West Virginia | 1 | $ 94,000 | $ 94,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for First Federal S&L Greene Co. in 2006
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 502 | $58,859,000 | $117,000 | $890,000 | $69,000 | $450,000 |
| Refinancing | 242 | $25,615,000 | $105,000 | $460,000 | $72,000 | $348,000 |
| Home Improvement | 56 | $983,000 | $17,000 | $40,000 | $53,000 | $116,000 |
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 | 787 | $83,663,000 | $106,000 | $890,000 | $68,000 | $376,000 |
| Asian | 6 | $1,093,000 | $182,000 | $487,000 | $88,000 | $196,000 |
| Black or African American | 5 | $294,000 | $58,000 | $135,000 | $52,000 | $79,000 |
| Hispanic | 2 | $407,000 | $203,000 | $332,000 | $245,000 | $450,000 |
| 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 |
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) | 741 | $84,211,000 | $113,000 | $890,000 | $70,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 55 | $958,000 | $17,000 | $40,000 | $53,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 4 | $288,000 | $72,000 | $98,000 | $60,000 | $88,000 |
| 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 | 682 | $73,790,000 | $108,000 | $890,000 | $70,000 | $450,000 |
| Application Denied By Financial Institution | 52 | $5,088,000 | $97,000 | $410,000 | $54,000 | $156,000 |
| Application Withdrawn By Applicant | 45 | $4,672,000 | $103,000 | $241,000 | $65,000 | $178,000 |
| Application Approved But Not Accepted | 17 | $1,721,000 | $101,000 | $248,000 | $72,000 | $162,000 |
| File Closed For Incompleteness | 4 | $186,000 | $46,000 | $104,000 | $43,000 | $58,000 |
| 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 | 23 | $1,713,000 | $74,000 | $209,000 | $55,000 | $131,000 |
| Collateral | 12 | $1,504,000 | $125,000 | $410,000 | $71,000 | $156,000 |
| Debt-To-Income Ratio | 9 | $1,146,000 | $127,000 | $362,000 | $40,000 | $115,000 |
| Other | 7 | $651,000 | $93,000 | $240,000 | $40,000 | $97,000 |
| Unverifiable Information | 1 | $74,000 | $74,000 | $74,000 | $31,000 | $31,000 |
| 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 Greene Co.'s 2006 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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