First Federal S&L Greene Co. Mortgage Lending & HMDA Data, 2004
In 2004, First Federal S&L Greene Co. of Waynesburg, PA reported 1,003 mortgage applications totaling $101.0 million, down 55% from 2003. The average application was for $100,699, and applicants reported an average income of $63,753. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Pittsburgh, PA (540), Morgantown, WV (112) and Wheeling, WV-OH (2) (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 | 1,003 |
| Total Mortgage Loan Application Amount | $101,002,000 |
| Average Mortgage Loan Application Amount | $100,699 |
| Highest Mortgage Loan Application Amount | $528,000 |
| Average Applicant Income | $63,753 |
| Highest Applicant Income | $333,000 |
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records First Federal S&L Greene Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pittsburgh, PA | 540 | $ 57,279,000 | $ 106,072 | $ 66,000 |
| Morgantown, WV | 112 | $ 13,047,000 | $ 116,491 | $ 67,000 |
| Wheeling, WV-OH | 2 | $ 269,000 | $ 134,500 | $ 54,000 |
Mortgage Loan Application Detail Totals for First Federal S&L Greene Co. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 556 | $61,655,000 | $120,000 | $528,000 | $66,500 | $333,000 |
| Refinancing | 399 | $38,660,000 | $95,000 | $485,000 | $66,500 | $307,000 |
| Home Improvement | 48 | $687,000 | $16,000 | $25,000 | $52,000 | $209,000 |
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 | 990 | $99,283,000 | $105,000 | $528,000 | $64,500 | $333,000 |
| Asian | 6 | $924,000 | $153,500 | $230,000 | $65,500 | $155,000 |
| Black or African American | 4 | $247,000 | $58,500 | $100,000 | $65,000 | $108,000 |
| Hispanic | 1 | $239,000 | $239,000 | $239,000 | $54,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $74,000 | $74,000 | $74,000 | $38,000 | $38,000 |
| Not applicable | 1 | $235,000 | $235,000 | $235,000 | $73,000 | $73,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 953 | $100,143,000 | $109,500 | $528,000 | $66,500 | $333,000 |
| FHA-insured (Federal Housing Administration) | 50 | $859,000 | $17,500 | $92,000 | $52,000 | $209,000 |
| 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 | 828 | $83,636,000 | $105,500 | $528,000 | $65,500 | $333,000 |
| Application Withdrawn By Applicant | 75 | $7,687,000 | $111,500 | $450,000 | $77,500 | $213,000 |
| Application Denied By Financial Institution | 69 | $6,387,000 | $95,000 | $262,000 | $57,000 | $113,000 |
| Application Approved But Not Accepted | 27 | $2,924,000 | $103,500 | $472,000 | $63,000 | $316,000 |
| File Closed For Incompleteness | 4 | $368,000 | $92,000 | $144,000 | $56,000 | $79,000 |
| 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 | 32 | $2,319,000 | $76,500 | $164,000 | $58,500 | $99,000 |
| Collateral | 15 | $1,888,000 | $125,000 | $250,000 | $64,000 | $89,000 |
| Debt-To-Income Ratio | 14 | $1,499,000 | $107,000 | $262,000 | $53,000 | $113,000 |
| Other | 3 | $158,000 | $52,000 | $119,000 | $51,000 | $59,000 |
| Employment History | 2 | $207,000 | $103,500 | $175,000 | $32,000 | $47,000 |
| Mortgage Insurance Denied | 2 | $195,000 | $97,000 | $143,000 | $68,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $121,000 | $121,000 | $121,000 | $26,000 | $26,000 |
| Unverifiable Information | 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 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 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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