The Home Savings And Loan Comp
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
The Home Savings And Loan Comp 2003 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 | The Home Savings And Loan Comp 275 W Federal St Youngstown, OH 44503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,903 |
| Total Mortgage Loan Application Amount | $880,208,000 |
| Average Mortgage Loan Application Amount | $396,571 |
| Highest Mortgage Loan Application Amount | $13,400,000 |
| Average Applicant Income | $76,714 |
| Highest Applicant Income | $950,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with The Home Savings And Loan Comp. 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 The Home Savings And Loan Comp's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down The Home Savings And Loan Comp'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 The Home Savings And Loan Comp serves its applicants.
Each category highlights the total number of mortgage applications processed by The Home Savings And Loan Comp, 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 The Home Savings And Loan Comp's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mahoning County Ohio | 2,142 | $ 226,577,000 | $ 105,000 | $ 65,000 |
| Columbiana County Ohio | 690 | $ 61,754,000 | $ 89,000 | $ 59,000 |
| Trumbull County Ohio | 580 | $ 63,898,000 | $ 110,000 | $ 57,000 |
| Huron County Ohio | 439 | $ 41,641,000 | $ 94,000 | $ 57,000 |
| Summit County Ohio | 422 | $ 80,871,000 | $ 191,000 | $ 120,000 |
| Seneca County Ohio | 272 | $ 24,228,000 | $ 89,000 | $ 49,000 |
| Erie County Ohio | 271 | $ 29,620,000 | $ 109,000 | $ 67,000 |
| Cuyahoga County Ohio | 236 | $ 60,924,000 | $ 258,000 | $ 98,000 |
| Sandusky County Ohio | 222 | $ 19,804,000 | $ 89,000 | $ 53,000 |
| Stark County Ohio | 212 | $ 30,965,000 | $ 146,000 | $ 59,000 |
| Portage County Ohio | 199 | $ 33,577,000 | $ 168,000 | $ 108,000 |
| Richland County Ohio | 174 | $ 18,099,000 | $ 104,000 | $ 55,000 |
| Lake County Ohio | 161 | $ 24,177,000 | $ 150,000 | $ 91,000 |
| Medina County Ohio | 154 | $ 38,876,000 | $ 252,000 | $ 125,000 |
| Ashland County Ohio | 137 | $ 11,849,000 | $ 86,000 | $ 49,000 |
| Beaver County Pennsylvania | 118 | $ 11,869,000 | $ 100,000 | $ 55,000 |
| Hancock County Ohio | 74 | $ 7,390,000 | $ 99,000 | $ 59,000 |
| Geauga County Ohio | 70 | $ 16,956,000 | $ 242,000 | $ 100,000 |
| Ottawa County Ohio | 29 | $ 3,272,000 | $ 112,000 | $ 62,000 |
| Montgomery County Ohio | 22 | $ 3,574,000 | $ 162,000 | $ 107,000 |
| Franklin County Ohio | 18 | $ 8,846,000 | $ 491,000 | $ 50,000 |
| Lorain County Ohio | 18 | $ 3,764,000 | $ 209,000 | $ 86,000 |
| Wayne County Ohio | 16 | $ 5,574,000 | $ 348,000 | $ 82,000 |
| Allegheny County Pennsylvania | 16 | $ 7,757,000 | $ 484,000 | $ 116,000 |
| Crawford County Ohio | 14 | $ 1,153,000 | $ 82,000 | $ 50,000 |
| Wyandot County Ohio | 12 | $ 1,344,000 | $ 112,000 | $ 60,000 |
| Lawrence County Pennsylvania | 12 | $ 1,243,000 | $ 103,000 | $ 65,000 |
| Mercer County Pennsylvania | 12 | $ 1,982,000 | $ 165,000 | $ 116,000 |
| Lee County Florida | 10 | $ 1,868,000 | $ 186,000 | $ 114,000 |
| Ashtabula County Ohio | 10 | $ 1,152,000 | $ 115,000 | $ 60,000 |
| Carroll County Ohio | 10 | $ 1,804,000 | $ 180,000 | $ 90,000 |
| Sarasota County Florida | 8 | $ 1,628,000 | $ 203,000 | $ 163,000 |
| Greene County Ohio | 8 | $ 1,321,000 | $ 165,000 | $ 80,000 |
| Tuscarawas County Ohio | 8 | $ 1,226,000 | $ 153,000 | $ 43,000 |
| Delaware County Ohio | 6 | $ 764,000 | $ 127,000 | $ 70,000 |
| Lucas County Ohio | 6 | $ 540,000 | $ 90,000 | $ 79,000 |
| Hancock County West Virginia | 6 | $ 518,000 | $ 86,000 | $ 60,000 |
| Pinellas County Florida | 5 | $ 758,000 | $ 151,000 | $ 144,000 |
| Allen County Ohio | 5 | $ 750,000 | $ 150,000 | $ 97,000 |
| Morrow County Ohio | 5 | $ 530,000 | $ 106,000 | $ 56,000 |
| Wood County Ohio | 5 | $ 680,000 | $ 136,000 | $ 99,000 |
| Butler County Pennsylvania | 5 | $ 645,000 | $ 129,000 | $ 71,000 |
| Putnam County Ohio | 4 | $ 390,000 | $ 97,000 | $ 62,000 |
| Warren County Ohio | 4 | $ 881,000 | $ 220,000 | $ 120,000 |
| Broward County Florida | 3 | $ 443,000 | $ 147,000 | $ 53,000 |
| Hamilton County Ohio | 3 | $ 905,000 | $ 301,000 | $ 20,000 |
| Jefferson County Ohio | 3 | $ 214,000 | $ 71,000 | $ 38,000 |
| Knox County Ohio | 3 | $ 257,000 | $ 85,000 | $ 42,000 |
| Crawford County Pennsylvania | 3 | $ 275,000 | $ 91,000 | $ 80,000 |
| Collier County Florida | 2 | $ 482,000 | $ 241,000 | $ 290,000 |
| Seminole County Florida | 2 | $ 232,000 | $ 116,000 | $ 89,000 |
| Chautauqua County New York | 2 | $ 341,000 | $ 170,000 | $ 177,000 |
| Clark County Ohio | 2 | $ 167,000 | $ 83,000 | $ 60,000 |
| Hardin County Ohio | 2 | $ 125,000 | $ 62,000 | $ 60,000 |
| Holmes County Ohio | 2 | $ 328,000 | $ 164,000 | $ 112,000 |
| Marion County Ohio | 2 | $ 136,000 | $ 68,000 | $ 43,000 |
| Westmoreland County Pennsylvania | 2 | $ 13,546,000 | $ 6,773,000 | $ 25,000 |
| Charlotte County Florida | 1 | $ 56,000 | $ 56,000 | $ 64,000 |
| Hillsborough County Florida | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Martin County Florida | 1 | $ 168,000 | $ 168,000 | $ 94,000 |
| Monroe County Florida | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Palm Beach County Florida | 1 | $ 118,000 | $ 118,000 | $ 72,000 |
| St. Johns County Florida | 1 | $ 298,000 | $ 298,000 | $ 163,000 |
| St. Lucie County Florida | 1 | $ 40,000 | $ 40,000 | $ 88,000 |
| Auglaize County Ohio | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Brown County Ohio | 1 | $ 106,000 | $ 106,000 | $ 51,000 |
| Clermont County Ohio | 1 | $ 277,000 | $ 277,000 | $ 94,000 |
| Coshocton County Ohio | 1 | $ 2,600,000 | $ 2,600,000 | $ 0 |
| Defiance County Ohio | 1 | $ 88,000 | $ 88,000 | $ 31,000 |
| Fairfield County Ohio | 1 | $ 194,000 | $ 194,000 | $ 240,000 |
| Henry County Ohio | 1 | $ 152,000 | $ 152,000 | $ 86,000 |
| Miami County Ohio | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Perry County Ohio | 1 | $ 116,000 | $ 116,000 | $ 78,000 |
| Washington County Ohio | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
| Bedford County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 82,000 |
| Clarion County Pennsylvania | 1 | $ 59,000 | $ 59,000 | $ 187,000 |
| Delaware County Pennsylvania | 1 | $ 188,000 | $ 188,000 | $ 52,000 |
| Erie County Pennsylvania | 1 | $ 83,000 | $ 83,000 | $ 50,000 |
| Potter County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Washington County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for The Home Savings And Loan Comp in 2003
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 (home purchase or home improvement, one-to-four family) | 4,772 | $566,603,000 | $135,200 | $1,400,000 | $104,200 | $950,000 |
| Home Purchase (one-to-four family) | 1,942 | $228,959,000 | $108,600 | $1,330,000 | $88,600 | $750,000 |
| Home Improvement (one-to-four family) | 123 | $12,844,000 | $107,500 | $685,000 | $55,000 | $294,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 66 | $71,802,000 | $2,059,000 | $13,400,000 | $0 | $0 |
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 | 6,498 | $759,233,000 | $121,166 | $1,400,000 | $97,333 | $820,000 |
| Information not provided by applicant in mail or telephone application | 127 | $21,492,000 | $226,500 | $752,000 | $160,500 | $519,000 |
| Black | 86 | $8,455,000 | $74,000 | $608,000 | $52,500 | $314,000 |
| Not applicable | 82 | $75,268,000 | $1,990,000 | $13,400,000 | $7,500 | $252,000 |
| Other | 39 | $5,941,000 | $135,000 | $624,000 | $92,666 | $327,000 |
| Hispanic | 35 | $2,583,000 | $73,000 | $290,000 | $57,000 | $318,000 |
| Asian or Pacific Islander | 34 | $7,047,000 | $207,000 | $673,000 | $124,000 | $950,000 |
| American Indian or Alaskan Native | 2 | $189,000 | $94,000 | $128,000 | $82,000 | $95,000 |
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) | 6,903 | $880,208,000 | $140,333 | $13,400,000 | $97,000 | $950,000 |
| 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 | 5,886 | $761,995,000 | $138,200 | $13,400,000 | $91,200 | $950,000 |
| Application Withdrawn By Applicant | 455 | $51,416,000 | $111,400 | $800,000 | $106,000 | $758,000 |
| Application Denied By Financial Institution | 407 | $44,982,000 | $108,750 | $670,000 | $61,750 | $243,000 |
| Application Approved But Not Accepted | 153 | $21,761,000 | $144,000 | $770,000 | $69,500 | $759,000 |
| File Closed For Incompleteness | 2 | $54,000 | $27,000 | $34,000 | $75,000 | $99,000 |
| Loan Purchased By The 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 | 159 | $15,737,000 | $108,500 | $670,000 | $53,000 | $190,000 |
| Debt-To-Income Ratio | 157 | $19,232,000 | $120,000 | $424,000 | $45,750 | $152,000 |
| Collateral | 60 | $6,282,000 | $94,666 | $416,000 | $82,333 | $197,000 |
| Unverifiable Information | 14 | $1,851,000 | $132,000 | $440,000 | $93,000 | $243,000 |
| Credit Application Incomplete | 9 | $1,144,000 | $127,000 | $240,000 | $60,000 | $120,000 |
| Employment History | 3 | $192,000 | $64,000 | $80,000 | $22,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $401,000 | $133,000 | $197,000 | $38,000 | $80,000 |
| Other | 2 | $143,000 | $71,000 | $78,000 | $113,000 | $117,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Savings And Loan Comp's 2003 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 The Home Savings And Loan Comp'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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