Geauga Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Geauga Savings Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Geauga Savings Bank 10800 Kinsman Rd Newbury, OH 44065 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,334 |
| Total Mortgage Loan Application Amount | $382,321,000 |
| Average Mortgage Loan Application Amount | $415,860 |
| Highest Mortgage Loan Application Amount | $2,548,000 |
| Average Applicant Income | $15,116 |
| Highest Applicant Income | $1,326,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Geauga Savings Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Geauga Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Geauga Savings Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Geauga Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Geauga Savings Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Geauga Savings Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cuyahoga County Ohio | 527 | $ 80,902,000 | $ 153,000 | $ 75,000 |
| Geauga County Ohio | 196 | $ 35,290,000 | $ 180,000 | $ 76,000 |
| Lake County Ohio | 178 | $ 23,481,000 | $ 131,000 | $ 67,000 |
| Ashtabula County Ohio | 131 | $ 16,932,000 | $ 129,000 | $ 51,000 |
| Lorain County Ohio | 106 | $ 18,496,000 | $ 174,000 | $ 67,000 |
| Summit County Ohio | 102 | $ 16,349,000 | $ 160,000 | $ 83,000 |
| Portage County Ohio | 91 | $ 14,041,000 | $ 154,000 | $ 67,000 |
| Trumbull County Ohio | 82 | $ 11,053,000 | $ 134,000 | $ 56,000 |
| Stark County Ohio | 67 | $ 8,771,000 | $ 130,000 | $ 84,000 |
| Cook County Illinois | 59 | $ 10,751,000 | $ 182,000 | $ 12,000 |
| Mahoning County Ohio | 55 | $ 5,852,000 | $ 106,000 | $ 61,000 |
| Wayne County Ohio | 45 | $ 7,869,000 | $ 174,000 | $ 74,000 |
| Lucas County Ohio | 43 | $ 3,885,000 | $ 90,000 | $ 46,000 |
| Franklin County Ohio | 41 | $ 6,146,000 | $ 149,000 | $ 85,000 |
| Medina County Ohio | 41 | $ 7,268,000 | $ 177,000 | $ 77,000 |
| Richland County Ohio | 41 | $ 3,958,000 | $ 96,000 | $ 59,000 |
| Holmes County Ohio | 32 | $ 4,364,000 | $ 136,000 | $ 57,000 |
| Columbiana County Ohio | 31 | $ 3,972,000 | $ 128,000 | $ 67,000 |
| Erie County Ohio | 27 | $ 4,463,000 | $ 165,000 | $ 91,000 |
| Ashland County Ohio | 25 | $ 3,694,000 | $ 147,000 | $ 62,000 |
| Huron County Ohio | 21 | $ 3,258,000 | $ 155,000 | $ 59,000 |
| Tuscarawas County Ohio | 21 | $ 2,837,000 | $ 135,000 | $ 55,000 |
| Carroll County Ohio | 19 | $ 3,109,000 | $ 163,000 | $ 60,000 |
| Hamilton County Ohio | 15 | $ 2,240,000 | $ 149,000 | $ 65,000 |
| Ottawa County Ohio | 15 | $ 2,180,000 | $ 145,000 | $ 79,000 |
| Crawford County Ohio | 12 | $ 1,307,000 | $ 108,000 | $ 67,000 |
| Delaware County Ohio | 11 | $ 2,257,000 | $ 205,000 | $ 115,000 |
| Morrow County Ohio | 11 | $ 1,450,000 | $ 131,000 | $ 48,000 |
| Knox County Ohio | 10 | $ 1,334,000 | $ 133,000 | $ 56,000 |
| Seneca County Ohio | 10 | $ 1,423,000 | $ 142,000 | $ 60,000 |
| Genesee County Michigan | 9 | $ 882,000 | $ 98,000 | $ 52,000 |
| Guernsey County Ohio | 9 | $ 1,115,000 | $ 123,000 | $ 65,000 |
| Jackson County Ohio | 9 | $ 828,000 | $ 92,000 | $ 59,000 |
| DuPage County Illinois | 8 | $ 1,859,000 | $ 232,000 | $ 90,000 |
| Jackson County Michigan | 7 | $ 604,000 | $ 86,000 | $ 49,000 |
| Denver County Colorado | 6 | $ 4,612,000 | $ 768,000 | $ 0 |
| Fairfield County Ohio | 6 | $ 1,485,000 | $ 247,000 | $ 67,000 |
| Sandusky County Ohio | 6 | $ 707,000 | $ 117,000 | $ 56,000 |
| Washington County Ohio | 6 | $ 1,270,000 | $ 211,000 | $ 63,000 |
| Wyandot County Ohio | 6 | $ 425,000 | $ 70,000 | $ 33,000 |
| Suffolk County Massachusetts | 5 | $ 1,092,000 | $ 218,000 | $ 0 |
| Oakland County Michigan | 5 | $ 1,369,000 | $ 273,000 | $ 67,000 |
| Hennepin County Minnesota | 5 | $ 1,483,000 | $ 296,000 | $ 0 |
| Clark County Ohio | 5 | $ 680,000 | $ 136,000 | $ 108,000 |
| Harrison County Ohio | 5 | $ 1,115,000 | $ 223,000 | $ 82,000 |
| Warren County Ohio | 5 | $ 2,045,000 | $ 409,000 | $ 230,000 |
| Harris County Texas | 5 | $ 1,506,000 | $ 301,000 | $ 0 |
| Broward County Florida | 4 | $ 3,513,000 | $ 878,000 | $ 0 |
| Palm Beach County Florida | 4 | $ 1,765,000 | $ 441,000 | $ 0 |
| Allen County Ohio | 4 | $ 542,000 | $ 135,000 | $ 46,000 |
| Coshocton County Ohio | 4 | $ 1,088,000 | $ 272,000 | $ 101,000 |
| Pickaway County Ohio | 4 | $ 767,000 | $ 191,000 | $ 79,000 |
| Tarrant County Texas | 4 | $ 2,144,000 | $ 536,000 | $ 0 |
| Fulton County Georgia | 3 | $ 807,000 | $ 269,000 | $ 0 |
| Will County Illinois | 3 | $ 442,000 | $ 147,000 | $ 265,000 |
| Butler County Ohio | 3 | $ 315,000 | $ 105,000 | $ 37,000 |
| Champaign County Ohio | 3 | $ 551,000 | $ 183,000 | $ 81,000 |
| Hocking County Ohio | 3 | $ 352,000 | $ 117,000 | $ 64,000 |
| Jefferson County Ohio | 3 | $ 240,000 | $ 80,000 | $ 44,000 |
| Marion County Ohio | 3 | $ 403,000 | $ 134,000 | $ 83,000 |
| Montgomery County Ohio | 3 | $ 1,112,000 | $ 370,000 | $ 79,000 |
| Ross County Ohio | 3 | $ 357,000 | $ 119,000 | $ 57,000 |
| Wood County Ohio | 3 | $ 370,000 | $ 123,000 | $ 35,000 |
| Dallas County Texas | 3 | $ 1,168,000 | $ 389,000 | $ 0 |
| Travis County Texas | 3 | $ 1,644,000 | $ 548,000 | $ 0 |
| Salt Lake County Utah | 3 | $ 1,017,000 | $ 339,000 | $ 0 |
| Arapahoe County Colorado | 2 | $ 1,419,000 | $ 709,000 | $ 0 |
| Duval County Florida | 2 | $ 242,000 | $ 121,000 | $ 0 |
| Pinellas County Florida | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Kootenai County Idaho | 2 | $ 1,227,000 | $ 613,000 | $ 0 |
| Essex County Massachusetts | 2 | $ 313,000 | $ 156,000 | $ 0 |
| Ramsey County Minnesota | 2 | $ 458,000 | $ 229,000 | $ 0 |
| Clark County Nevada | 2 | $ 324,000 | $ 162,000 | $ 0 |
| Athens County Ohio | 2 | $ 218,000 | $ 109,000 | $ 61,000 |
| Belmont County Ohio | 2 | $ 208,000 | $ 104,000 | $ 50,000 |
| Brown County Ohio | 2 | $ 333,000 | $ 166,000 | $ 73,000 |
| Defiance County Ohio | 2 | $ 277,000 | $ 138,000 | $ 21,000 |
| Gallia County Ohio | 2 | $ 186,000 | $ 93,000 | $ 37,000 |
| Greene County Ohio | 2 | $ 704,000 | $ 352,000 | $ 59,000 |
| Hancock County Ohio | 2 | $ 410,000 | $ 205,000 | $ 93,000 |
| Lawrence County Ohio | 2 | $ 178,000 | $ 89,000 | $ 43,000 |
| Licking County Ohio | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Muskingum County Ohio | 2 | $ 377,000 | $ 188,000 | $ 71,000 |
| Noble County Ohio | 2 | $ 332,000 | $ 166,000 | $ 60,000 |
| Putnam County Ohio | 2 | $ 208,000 | $ 104,000 | $ 50,000 |
| Williams County Ohio | 2 | $ 270,000 | $ 135,000 | $ 63,000 |
| Multnomah County Oregon | 2 | $ 1,181,000 | $ 590,000 | $ 0 |
| Denton County Texas | 2 | $ 1,546,000 | $ 773,000 | $ 0 |
| King County Washington | 2 | $ 1,044,000 | $ 522,000 | $ 0 |
| Pima County Arizona | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Los Angeles County California | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Orange County California | 1 | $ 663,000 | $ 663,000 | $ 0 |
| San Diego County California | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Collier County Florida | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Lee County Florida | 1 | $ 353,000 | $ 353,000 | $ 126,000 |
| Leon County Florida | 1 | $ 993,000 | $ 993,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 650,000 | $ 650,000 | $ 253,000 |
| St. Johns County Florida | 1 | $ 146,000 | $ 146,000 | $ 83,000 |
| Bibb County Georgia | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Paulding County Georgia | 1 | $ 477,000 | $ 477,000 | $ 0 |
| Kendall County Illinois | 1 | $ 117,000 | $ 117,000 | $ 49,000 |
| LaPorte County Indiana | 1 | $ 400,000 | $ 400,000 | $ 192,000 |
| Natchitoches County Louisiana | 1 | $ 698,000 | $ 698,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Allegan County Michigan | 1 | $ 134,000 | $ 134,000 | $ 73,000 |
| Kalamazoo County Michigan | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Kent County Michigan | 1 | $ 112,000 | $ 112,000 | $ 50,000 |
| Macomb County Michigan | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Oscoda County Michigan | 1 | $ 148,000 | $ 148,000 | $ 46,000 |
| Tuscola County Michigan | 1 | $ 96,000 | $ 96,000 | $ 63,000 |
| Washtenaw County Michigan | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Wayne County Michigan | 1 | $ 712,000 | $ 712,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 991,000 | $ 991,000 | $ 0 |
| Hudson County New Jersey | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Oneida County New York | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Queens County New York | 1 | $ 521,000 | $ 521,000 | $ 0 |
| Clermont County Ohio | 1 | $ 240,000 | $ 240,000 | $ 96,000 |
| Fayette County Ohio | 1 | $ 77,000 | $ 77,000 | $ 39,000 |
| Hardin County Ohio | 1 | $ 103,000 | $ 103,000 | $ 25,000 |
| Henry County Ohio | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Logan County Ohio | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Madison County Ohio | 1 | $ 150,000 | $ 150,000 | $ 89,000 |
| Meigs County Ohio | 1 | $ 64,000 | $ 64,000 | $ 50,000 |
| Mercer County Ohio | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Paulding County Ohio | 1 | $ 269,000 | $ 269,000 | $ 84,000 |
| Perry County Ohio | 1 | $ 253,000 | $ 253,000 | $ 67,000 |
| Pike County Ohio | 1 | $ 68,000 | $ 68,000 | $ 17,000 |
| Union County Ohio | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Vinton County Ohio | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Marion County Oregon | 1 | $ 1,090,000 | $ 1,090,000 | $ 0 |
| Carter County Tennessee | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Brazoria County Texas | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Comal County Texas | 1 | $ 1,747,000 | $ 1,747,000 | $ 0 |
| Williamson County Texas | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Davis County Utah | 1 | $ 508,000 | $ 508,000 | $ 0 |
| Sanpete County Utah | 1 | $ 2,095,000 | $ 2,095,000 | $ 0 |
| Utah County Utah | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Clark County Washington | 1 | $ 633,000 | $ 633,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Racine County Wisconsin | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Laramie County Wyoming | 1 | $ 463,000 | $ 463,000 | $ 0 |
Mortgage Loan Application Detail Totals for Geauga Savings Bank in 2005
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 | 1,209 | $185,197,000 | $386,588 | $2,170,000 | $26,647 | $1,107,000 |
| Refinancing | 918 | $157,541,000 | $353,000 | $2,095,000 | $7,750 | $1,326,000 |
| Home Improvement | 207 | $39,583,000 | $566,200 | $2,548,000 | $7,300 | $518,000 |
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 | 1,752 | $296,797,000 | $473,181 | $2,548,000 | $19,590 | $1,326,000 |
| Not Provided | 292 | $47,634,000 | $313,222 | $1,400,000 | $22,000 | $480,000 |
| Black or African American | 227 | $24,459,000 | $115,200 | $568,000 | $15,800 | $506,000 |
| Hispanic | 40 | $6,398,000 | $331,666 | $993,000 | $13,500 | $300,000 |
| Asian | 19 | $6,703,000 | $380,333 | $1,747,000 | $16,111 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $258,000 | $95,500 | $124,000 | $73,000 | $257,000 |
| American Indian or Alaskan Native | 1 | $72,000 | $72,000 | $72,000 | $19,000 | $19,000 |
| Not applicable | 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) | 2,334 | $382,321,000 | $414,458 | $2,548,000 | $16,125 | $1,326,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 542 | $79,240,000 | $146,000 | $2,170,000 | $68,000 | $519,000 |
| Application Denied By Financial Institution | 472 | $65,729,000 | $139,000 | $1,820,000 | $66,000 | $540,000 |
| Loan Purchased By The Institution | 437 | $97,014,000 | $414,166 | $2,548,000 | $16,583 | $1,107,000 |
| Application Withdrawn By Applicant | 355 | $60,505,000 | $170,000 | $1,400,000 | $73,000 | $518,000 |
| Application Approved But Not Accepted | 329 | $49,498,000 | $150,000 | $1,000,000 | $66,000 | $1,326,000 |
| File Closed For Incompleteness | 199 | $30,335,000 | $152,000 | $930,000 | $66,000 | $372,000 |
| 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 | 253 | $31,299,000 | $123,000 | $1,000,000 | $59,000 | $390,000 |
| Collateral | 85 | $13,757,000 | $161,000 | $1,820,000 | $78,000 | $348,000 |
| Debt-To-Income Ratio | 68 | $10,113,000 | $148,000 | $402,000 | $44,000 | $190,000 |
| Other | 35 | $6,321,000 | $180,000 | $1,200,000 | $123,000 | $540,000 |
| Employment History | 13 | $2,515,000 | $193,000 | $850,000 | $75,000 | $291,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $726,000 | $80,000 | $136,000 | $42,000 | $90,000 |
| Unverifiable Information | 8 | $937,000 | $117,000 | $208,000 | $48,000 | $95,000 |
| Mortgage Insurance Denied | 1 | $61,000 | $61,000 | $61,000 | $16,000 | $16,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Geauga Savings Bank's 2005 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 Geauga Savings Bank'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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.