The Home Savings And Loan Comp
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
The Home Savings And Loan Comp 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 | 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 | 6,118 |
| Total Mortgage Loan Application Amount | $724,213,000 |
| Average Mortgage Loan Application Amount | $166,944 |
| Highest Mortgage Loan Application Amount | $2,475,000 |
| Average Applicant Income | $74,722 |
| Highest Applicant Income | $4,755,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 953 | $ 101,756,000 | $ 106,000 | $ 59,000 |
| Columbiana County Ohio | 438 | $ 40,908,000 | $ 93,000 | $ 53,000 |
| Trumbull County Ohio | 332 | $ 38,306,000 | $ 115,000 | $ 61,000 |
| Franklin County Ohio | 278 | $ 28,481,000 | $ 102,000 | $ 76,000 |
| Stark County Ohio | 240 | $ 29,526,000 | $ 123,000 | $ 84,000 |
| Summit County Ohio | 222 | $ 38,314,000 | $ 172,000 | $ 88,000 |
| Huron County Ohio | 150 | $ 14,167,000 | $ 94,000 | $ 58,000 |
| Cuyahoga County Ohio | 147 | $ 28,889,000 | $ 196,000 | $ 86,000 |
| Portage County Ohio | 126 | $ 17,454,000 | $ 138,000 | $ 73,000 |
| Union County Ohio | 125 | $ 12,301,000 | $ 98,000 | $ 92,000 |
| Erie County Ohio | 115 | $ 18,810,000 | $ 163,000 | $ 88,000 |
| Richland County Ohio | 114 | $ 11,799,000 | $ 103,000 | $ 52,000 |
| Seneca County Ohio | 105 | $ 9,629,000 | $ 91,000 | $ 56,000 |
| Wayne County Ohio | 100 | $ 8,118,000 | $ 81,000 | $ 63,000 |
| Lake County Ohio | 96 | $ 16,101,000 | $ 167,000 | $ 72,000 |
| Hamilton County Ohio | 93 | $ 10,175,000 | $ 109,000 | $ 73,000 |
| Ashland County Ohio | 87 | $ 9,084,000 | $ 104,000 | $ 52,000 |
| Sandusky County Ohio | 81 | $ 7,832,000 | $ 96,000 | $ 52,000 |
| Delaware County Ohio | 78 | $ 14,953,000 | $ 191,000 | $ 109,000 |
| Beaver County Pennsylvania | 75 | $ 7,561,000 | $ 100,000 | $ 61,000 |
| Medina County Ohio | 71 | $ 15,170,000 | $ 213,000 | $ 109,000 |
| Lorain County Ohio | 63 | $ 7,720,000 | $ 122,000 | $ 84,000 |
| Ashtabula County Ohio | 54 | $ 4,980,000 | $ 92,000 | $ 46,000 |
| St. Joseph County Indiana | 53 | $ 4,868,000 | $ 91,000 | $ 76,000 |
| Clinton County Ohio | 49 | $ 3,509,000 | $ 71,000 | $ 57,000 |
| Lucas County Ohio | 47 | $ 7,623,000 | $ 162,000 | $ 91,000 |
| Allen County Indiana | 45 | $ 3,837,000 | $ 85,000 | $ 66,000 |
| Geauga County Ohio | 40 | $ 8,811,000 | $ 220,000 | $ 113,000 |
| Warren County Ohio | 40 | $ 5,205,000 | $ 130,000 | $ 78,000 |
| Hancock County Ohio | 37 | $ 4,613,000 | $ 124,000 | $ 53,000 |
| Ottawa County Ohio | 33 | $ 4,313,000 | $ 130,000 | $ 85,000 |
| Clermont County Ohio | 32 | $ 3,296,000 | $ 103,000 | $ 67,000 |
| Butler County Ohio | 31 | $ 3,586,000 | $ 115,000 | $ 85,000 |
| Dearborn County Indiana | 29 | $ 3,163,000 | $ 109,000 | $ 61,000 |
| Pickaway County Ohio | 28 | $ 2,714,000 | $ 96,000 | $ 68,000 |
| Wood County Ohio | 28 | $ 4,589,000 | $ 163,000 | $ 87,000 |
| Knox County Ohio | 27 | $ 2,667,000 | $ 98,000 | $ 76,000 |
| Licking County Ohio | 27 | $ 3,519,000 | $ 130,000 | $ 91,000 |
| Hamilton County Indiana | 25 | $ 3,890,000 | $ 155,000 | $ 88,000 |
| Fairfield County Ohio | 25 | $ 3,465,000 | $ 138,000 | $ 80,000 |
| Logan County Ohio | 22 | $ 2,061,000 | $ 93,000 | $ 59,000 |
| Marion County Indiana | 20 | $ 2,197,000 | $ 109,000 | $ 104,000 |
| Morrow County Ohio | 16 | $ 1,856,000 | $ 116,000 | $ 61,000 |
| Franklin County Indiana | 15 | $ 1,384,000 | $ 92,000 | $ 72,000 |
| Allegheny County Pennsylvania | 15 | $ 3,916,000 | $ 261,000 | $ 76,000 |
| Butler County Pennsylvania | 15 | $ 3,308,000 | $ 220,000 | $ 96,000 |
| Highland County Ohio | 14 | $ 988,000 | $ 70,000 | $ 58,000 |
| Montgomery County Ohio | 14 | $ 1,268,000 | $ 90,000 | $ 67,000 |
| Ripley County Indiana | 12 | $ 888,000 | $ 74,000 | $ 54,000 |
| Champaign County Ohio | 11 | $ 1,097,000 | $ 99,000 | $ 87,000 |
| Marion County Ohio | 11 | $ 935,000 | $ 85,000 | $ 58,000 |
| Collier County Florida | 10 | $ 3,110,000 | $ 311,000 | $ 620,000 |
| Elkhart County Indiana | 10 | $ 677,000 | $ 67,000 | $ 60,000 |
| Campbell County Kentucky | 10 | $ 714,000 | $ 71,000 | $ 63,000 |
| Boone County Kentucky | 9 | $ 1,773,000 | $ 197,000 | $ 124,000 |
| Cass County Michigan | 9 | $ 1,615,000 | $ 179,000 | $ 81,000 |
| Jefferson County Ohio | 9 | $ 1,407,000 | $ 156,000 | $ 121,000 |
| Lawrence County Pennsylvania | 9 | $ 834,000 | $ 92,000 | $ 62,000 |
| Brown County Ohio | 8 | $ 1,033,000 | $ 129,000 | $ 102,000 |
| Crawford County Ohio | 8 | $ 745,000 | $ 93,000 | $ 65,000 |
| Tuscarawas County Ohio | 8 | $ 1,086,000 | $ 135,000 | $ 102,000 |
| Lee County Florida | 7 | $ 1,322,000 | $ 188,000 | $ 238,000 |
| Palm Beach County Florida | 7 | $ 2,873,000 | $ 410,000 | $ 230,000 |
| Holmes County Ohio | 7 | $ 561,000 | $ 80,000 | $ 25,000 |
| Fulton County Ohio | 6 | $ 609,000 | $ 101,000 | $ 59,000 |
| Wyandot County Ohio | 6 | $ 506,000 | $ 84,000 | $ 58,000 |
| Mercer County Pennsylvania | 6 | $ 641,000 | $ 106,000 | $ 69,000 |
| Boone County Indiana | 5 | $ 1,835,000 | $ 367,000 | $ 109,000 |
| Hendricks County Indiana | 5 | $ 606,000 | $ 121,000 | $ 87,000 |
| Johnson County Indiana | 5 | $ 482,000 | $ 96,000 | $ 58,000 |
| Steuben County Indiana | 5 | $ 525,000 | $ 105,000 | $ 70,000 |
| Jefferson County Kentucky | 5 | $ 314,000 | $ 62,000 | $ 79,000 |
| Kenton County Kentucky | 5 | $ 779,000 | $ 155,000 | $ 122,000 |
| Madison County Ohio | 5 | $ 775,000 | $ 155,000 | $ 92,000 |
| Washington County Pennsylvania | 5 | $ 838,000 | $ 167,000 | $ 32,000 |
| Manatee County Florida | 4 | $ 567,000 | $ 141,000 | $ 293,000 |
| Pinellas County Florida | 4 | $ 656,000 | $ 164,000 | $ 140,000 |
| Hancock County Indiana | 4 | $ 433,000 | $ 108,000 | $ 84,000 |
| Allen County Ohio | 4 | $ 415,000 | $ 103,000 | $ 91,000 |
| Greene County Ohio | 4 | $ 491,000 | $ 122,000 | $ 60,000 |
| Guernsey County Ohio | 4 | $ 643,000 | $ 160,000 | $ 63,000 |
| Perry County Ohio | 4 | $ 506,000 | $ 126,000 | $ 77,000 |
| Scioto County Ohio | 4 | $ 600,000 | $ 150,000 | $ 107,000 |
| Broward County Florida | 3 | $ 440,000 | $ 146,000 | $ 91,000 |
| St. Johns County Florida | 3 | $ 558,000 | $ 186,000 | $ 133,000 |
| Kosciusko County Indiana | 3 | $ 313,000 | $ 104,000 | $ 44,000 |
| Noble County Indiana | 3 | $ 508,000 | $ 169,000 | $ 83,000 |
| Wells County Indiana | 3 | $ 216,000 | $ 72,000 | $ 34,000 |
| Oldham County Kentucky | 3 | $ 377,000 | $ 125,000 | $ 56,000 |
| Wayne County Michigan | 3 | $ 503,000 | $ 167,000 | $ 65,000 |
| Athens County Ohio | 3 | $ 297,000 | $ 99,000 | $ 55,000 |
| Belmont County Ohio | 3 | $ 472,000 | $ 157,000 | $ 65,000 |
| Carroll County Ohio | 3 | $ 456,000 | $ 152,000 | $ 205,000 |
| Fayette County Ohio | 3 | $ 660,000 | $ 220,000 | $ 100,000 |
| Muskingum County Ohio | 3 | $ 337,000 | $ 112,000 | $ 116,000 |
| Hancock County West Virginia | 3 | $ 185,000 | $ 61,000 | $ 41,000 |
| Brevard County Florida | 2 | $ 153,000 | $ 76,000 | $ 37,000 |
| Charlotte County Florida | 2 | $ 366,000 | $ 183,000 | $ 103,000 |
| Polk County Florida | 2 | $ 200,000 | $ 100,000 | $ 70,000 |
| Sarasota County Florida | 2 | $ 254,000 | $ 127,000 | $ 60,000 |
| St. Lucie County Florida | 2 | $ 225,000 | $ 112,000 | $ 107,000 |
| Decatur County Indiana | 2 | $ 108,000 | $ 54,000 | $ 47,000 |
| Fulton County Indiana | 2 | $ 309,000 | $ 154,000 | $ 105,000 |
| Huntington County Indiana | 2 | $ 259,000 | $ 129,000 | $ 91,000 |
| Lake County Indiana | 2 | $ 125,000 | $ 62,000 | $ 56,000 |
| Owen County Indiana | 2 | $ 166,000 | $ 83,000 | $ 152,000 |
| Tippecanoe County Indiana | 2 | $ 147,000 | $ 73,000 | $ 77,000 |
| Wabash County Indiana | 2 | $ 176,000 | $ 88,000 | $ 52,000 |
| Whitley County Indiana | 2 | $ 128,000 | $ 64,000 | $ 37,000 |
| Bullitt County Kentucky | 2 | $ 355,000 | $ 177,000 | $ 85,000 |
| Scott County Kentucky | 2 | $ 152,000 | $ 76,000 | $ 75,000 |
| Woodford County Kentucky | 2 | $ 257,000 | $ 128,000 | $ 90,000 |
| Lenawee County Michigan | 2 | $ 248,000 | $ 124,000 | $ 41,000 |
| Oakland County Michigan | 2 | $ 191,000 | $ 95,000 | $ 68,000 |
| Adams County Ohio | 2 | $ 113,000 | $ 56,000 | $ 35,000 |
| Auglaize County Ohio | 2 | $ 159,000 | $ 79,000 | $ 54,000 |
| Coshocton County Ohio | 2 | $ 266,000 | $ 133,000 | $ 70,000 |
| Henry County Ohio | 2 | $ 353,000 | $ 176,000 | $ 39,000 |
| Mercer County Ohio | 2 | $ 199,000 | $ 99,000 | $ 146,000 |
| Miami County Ohio | 2 | $ 213,000 | $ 106,000 | $ 77,000 |
| Putnam County Ohio | 2 | $ 83,000 | $ 41,000 | $ 25,000 |
| Van Wert County Ohio | 2 | $ 448,000 | $ 224,000 | $ 160,000 |
| Williams County Ohio | 2 | $ 224,000 | $ 112,000 | $ 55,000 |
| Westmoreland County Pennsylvania | 2 | $ 346,000 | $ 173,000 | $ 32,000 |
| Citrus County Florida | 1 | $ 212,000 | $ 212,000 | $ 50,000 |
| Duval County Florida | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Hillsborough County Florida | 1 | $ 135,000 | $ 135,000 | $ 113,000 |
| Indian River County Florida | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Lake County Florida | 1 | $ 126,000 | $ 126,000 | $ 37,000 |
| Marion County Florida | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Martin County Florida | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Orange County Florida | 1 | $ 213,000 | $ 213,000 | $ 72,000 |
| Seminole County Florida | 1 | $ 238,000 | $ 238,000 | $ 204,000 |
| Sumter County Florida | 1 | $ 120,000 | $ 120,000 | $ 94,000 |
| Volusia County Florida | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Floyd County Indiana | 1 | $ 90,000 | $ 90,000 | $ 42,000 |
| Monroe County Indiana | 1 | $ 132,000 | $ 132,000 | $ 51,000 |
| Morgan County Indiana | 1 | $ 196,000 | $ 196,000 | $ 48,000 |
| Ohio County Indiana | 1 | $ 118,000 | $ 118,000 | $ 213,000 |
| Tipton County Indiana | 1 | $ 166,000 | $ 166,000 | $ 65,000 |
| Berrien County Michigan | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Jackson County Michigan | 1 | $ 246,000 | $ 246,000 | $ 62,000 |
| Livingston County Michigan | 1 | $ 306,000 | $ 306,000 | $ 107,000 |
| Monroe County Michigan | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
| Clark County Ohio | 1 | $ 184,000 | $ 184,000 | $ 78,000 |
| Darke County Ohio | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Hardin County Ohio | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Harrison County Ohio | 1 | $ 122,000 | $ 122,000 | $ 71,000 |
| Hocking County Ohio | 1 | $ 131,000 | $ 131,000 | $ 119,000 |
| Meigs County Ohio | 1 | $ 70,000 | $ 70,000 | $ 58,000 |
| Noble County Ohio | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Ross County Ohio | 1 | $ 167,000 | $ 167,000 | $ 62,000 |
| Greene County Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 91,000 |
| Jefferson County Pennsylvania | 1 | $ 81,000 | $ 81,000 | $ 73,000 |
| Marion County West Virginia | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Monongalia County West Virginia | 1 | $ 915,000 | $ 915,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Home Savings And Loan Comp 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 | 4,400 | $528,554,000 | $184,250 | $2,475,000 | $83,375 | $4,755,000 |
| Refinancing | 1,575 | $189,249,000 | $198,571 | $1,500,000 | $74,142 | $624,000 |
| Home Improvement | 143 | $6,410,000 | $47,000 | $990,000 | $53,000 | $349,000 |
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 | 5,533 | $640,346,000 | $127,250 | $1,350,000 | $80,000 | $4,755,000 |
| Not Provided | 177 | $28,915,000 | $115,200 | $1,040,000 | $85,200 | $405,000 |
| Hispanic | 168 | $12,365,000 | $101,400 | $350,000 | $50,600 | $230,000 |
| Black or African American | 163 | $16,788,000 | $90,250 | $975,000 | $59,250 | $464,000 |
| Asian | 34 | $6,026,000 | $186,333 | $540,000 | $94,000 | $250,000 |
| Not applicable | 26 | $17,564,000 | $860,333 | $2,475,000 | $4,666 | $144,000 |
| American Indian or Alaskan Native | 10 | $1,091,000 | $96,333 | $211,000 | $72,333 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,118,000 | $118,000 | $359,000 | $82,000 | $216,000 |
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) | 6,116 | $724,179,000 | $185,625 | $2,475,000 | $77,875 | $4,755,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $34,000 | $17,000 | $18,000 | $31,000 | $32,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 4,244 | $515,220,000 | $199,857 | $2,475,000 | $85,285 | $4,755,000 |
| Application Denied By Financial Institution | 499 | $53,544,000 | $128,333 | $600,000 | $77,666 | $697,000 |
| Preapproval Approved but not Accepted | 469 | $53,701,000 | $114,000 | $975,000 | $73,000 | $464,000 |
| Preapproval Denied by Financial Institution | 417 | $36,478,000 | $87,000 | $960,000 | $35,000 | $272,000 |
| Application Approved But Not Accepted | 343 | $45,177,000 | $143,800 | $650,000 | $109,200 | $624,000 |
| Application Withdrawn By Applicant | 146 | $20,093,000 | $97,000 | $1,350,000 | $81,750 | $300,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 336 | $29,398,000 | $134,166 | $600,000 | $74,833 | $357,000 |
| Debt-To-Income Ratio | 324 | $33,763,000 | $140,714 | $960,000 | $50,428 | $272,000 |
| Collateral | 92 | $9,500,000 | $96,000 | $400,000 | $79,000 | $697,000 |
| Other | 76 | $8,589,000 | $104,400 | $586,000 | $105,400 | $348,000 |
| Credit Application Incomplete | 26 | $3,352,000 | $174,500 | $344,000 | $64,000 | $200,000 |
| Unverifiable Information | 24 | $2,247,000 | $91,000 | $280,000 | $54,000 | $169,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $1,768,000 | $78,750 | $225,000 | $53,500 | $107,000 |
| Employment History | 12 | $1,157,000 | $96,000 | $335,000 | $34,000 | $71,000 |
| Mortgage Insurance Denied | 2 | $248,000 | $124,000 | $163,000 | $64,500 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Savings And Loan Comp'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 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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