First Federal S&L of Newark Mortgage Lending & HMDA Data, 2013
In 2013, First Federal S&L of Newark of Newark, OH reported 462 mortgage applications totaling $62.1 million, down 17% from 2012. The average application was for $134,346, and applicants reported an average income of $88,333. 69% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Columbus, OH (435) and Mansfield, OH (1).
| Mortgage Company & Address | First Federal S&L of Newark 2 North Second Street Newark, OH 43055 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 462 |
| Total Mortgage Loan Application Amount | $62,068,000 |
| Average Mortgage Loan Application Amount | $134,346 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $88,333 |
| Highest Applicant Income | $481,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal S&L of Newark filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Licking, Ohio | 331 | $ 40,475,000 | $ 122,280 | $ 78,000 |
| Franklin, Ohio | 70 | $ 11,639,000 | $ 166,271 | $ 132,000 |
| Fairfield, Ohio | 21 | $ 4,129,000 | $ 196,619 | $ 125,000 |
| Perry, Ohio | 12 | $ 1,880,000 | $ 156,666 | $ 66,000 |
| Delaware, Ohio | 9 | $ 1,720,000 | $ 191,111 | $ 78,000 |
| Knox, Ohio | 6 | $ 862,000 | $ 143,666 | $ 96,000 |
| Muskingum, Ohio | 3 | $ 210,000 | $ 70,000 | $ 39,000 |
| Athens, Ohio | 2 | $ 265,000 | $ 132,500 | $ 65,000 |
| Morrow, Ohio | 2 | $ 187,000 | $ 93,500 | $ 86,000 |
| Coshocton, Ohio | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Guernsey, Ohio | 1 | $ 77,000 | $ 77,000 | $ 73,000 |
| Hocking, Ohio | 1 | $ 100,000 | $ 100,000 | $ 258,000 |
| Madison, Ohio | 1 | $ 220,000 | $ 220,000 | $ 273,000 |
| Pickaway, Ohio | 1 | $ 136,000 | $ 136,000 | $ 94,000 |
| Richland, Ohio | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Newark in 2013
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 | 217 | $30,735,000 | $141,000 | $975,000 | $83,000 | $465,000 |
| Home Purchase | 212 | $28,483,000 | $134,000 | $778,000 | $94,000 | $481,000 |
| Home Improvement | 33 | $2,850,000 | $86,000 | $338,000 | $87,000 | $229,000 |
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 | 417 | $57,700,000 | $138,000 | $975,000 | $85,000 | $419,000 |
| Not applicable | 14 | $1,021,000 | $72,000 | $215,000 | $226,000 | $481,000 |
| Black or African American | 10 | $745,000 | $74,000 | $258,000 | $42,000 | $95,000 |
| Hispanic | 9 | $972,000 | $108,000 | $338,000 | $89,000 | $229,000 |
| Not Provided | 9 | $893,000 | $99,000 | $248,000 | $90,000 | $215,000 |
| Asian | 3 | $737,000 | $245,000 | $417,000 | $137,000 | $185,000 |
| American Indian or Alaskan Native | 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) | 459 | $61,656,000 | $134,000 | $975,000 | $89,000 | $481,000 |
| FHA-insured (Federal Housing Administration) | 3 | $412,000 | $137,000 | $194,000 | $69,000 | $136,000 |
| 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 | 319 | $40,790,000 | $127,000 | $778,000 | $93,000 | $481,000 |
| Application Denied By Financial Institution | 84 | $11,451,000 | $136,000 | $700,000 | $64,000 | $395,000 |
| Application Withdrawn By Applicant | 24 | $4,499,000 | $187,000 | $975,000 | $94,000 | $381,000 |
| File Closed For Incompleteness | 22 | $4,060,000 | $184,000 | $568,000 | $98,000 | $376,000 |
| Application Approved But Not Accepted | 13 | $1,268,000 | $97,000 | $428,000 | $126,000 | $481,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 23 | $3,116,000 | $135,000 | $410,000 | $96,000 | $395,000 |
| Debt-To-Income Ratio | 23 | $3,675,000 | $159,000 | $700,000 | $49,000 | $137,000 |
| Credit History | 22 | $2,332,000 | $106,000 | $256,000 | $48,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,143,000 | $190,000 | $555,000 | $96,000 | $168,000 |
| Other | 5 | $725,000 | $145,000 | $215,000 | $39,000 | $69,000 |
| Employment History | 4 | $380,000 | $95,000 | $142,000 | $35,000 | $51,000 |
| Unverifiable Information | 1 | $80,000 | $80,000 | $80,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 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 of Newark's 2013 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 Newark'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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with aggregated HMDA statistics today.
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