First Federal S&L Greene Co. Mortgage Lending & HMDA Data, 2007
In 2007, First Federal S&L Greene Co. of Waynesburg, PA reported 761 mortgage applications totaling $91.7 million, down 5% from 2006. The average application was for $120,521, and applicants reported an average income of $76,834. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Pittsburgh, PA (369), Morgantown, WV (103) and Wheeling, WV-OH (5) (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 | 761 |
| Total Mortgage Loan Application Amount | $91,717,000 |
| Average Mortgage Loan Application Amount | $120,521 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $76,834 |
| Highest Applicant Income | $721,000 |
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records First Federal S&L Greene Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Federal S&L Greene Co. in 2007
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 | 441 | $57,036,000 | $129,000 | $638,000 | $77,000 | $288,000 |
| Refinancing | 278 | $33,961,000 | $122,000 | $800,000 | $77,000 | $721,000 |
| Home Improvement | 42 | $720,000 | $17,000 | $25,000 | $74,000 | $156,000 |
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 | 749 | $90,416,000 | $120,000 | $800,000 | $77,000 | $721,000 |
| Black or African American | 7 | $564,000 | $80,000 | $314,000 | $76,000 | $104,000 |
| Asian | 3 | $516,000 | $172,000 | $260,000 | $112,000 | $116,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $40,000 | $40,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $166,000 | $166,000 | $166,000 | $79,000 | $79,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 720 | $91,006,000 | $126,000 | $800,000 | $77,000 | $721,000 |
| FHA-insured (Federal Housing Administration) | 41 | $711,000 | $17,000 | $25,000 | $74,000 | $156,000 |
| 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 | 657 | $78,349,000 | $119,000 | $638,000 | $77,000 | $721,000 |
| Application Denied By Financial Institution | 46 | $5,773,000 | $125,000 | $473,000 | $61,000 | $294,000 |
| Application Withdrawn By Applicant | 34 | $4,584,000 | $134,000 | $800,000 | $87,000 | $265,000 |
| Application Approved But Not Accepted | 23 | $2,888,000 | $125,000 | $413,000 | $83,000 | $229,000 |
| File Closed For Incompleteness | 1 | $123,000 | $123,000 | $123,000 | $58,000 | $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 | 21 | $1,753,000 | $83,000 | $198,000 | $47,000 | $101,000 |
| Collateral | 12 | $2,187,000 | $182,000 | $390,000 | $86,000 | $294,000 |
| Other | 8 | $737,000 | $92,000 | $217,000 | $52,000 | $126,000 |
| Debt-To-Income Ratio | 5 | $1,096,000 | $219,000 | $473,000 | $77,000 | $142,000 |
| 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 |
| 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 2007 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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