The Home Savings And Loan Comp
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
The Home Savings And Loan Comp 2008 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 | 4,220 |
| Total Mortgage Loan Application Amount | $604,681,000 |
| Average Mortgage Loan Application Amount | $124,666 |
| Highest Mortgage Loan Application Amount | $3,072,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $4,233,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 838 | $ 87,128,000 | $ 103,000 | $ 70,000 |
| Columbiana County Ohio | 286 | $ 26,327,000 | $ 92,000 | $ 66,000 |
| Cuyahoga County Ohio | 255 | $ 62,968,000 | $ 246,000 | $ 164,000 |
| Trumbull County Ohio | 234 | $ 25,637,000 | $ 109,000 | $ 67,000 |
| Stark County Ohio | 168 | $ 24,675,000 | $ 146,000 | $ 86,000 |
| Summit County Ohio | 139 | $ 30,864,000 | $ 222,000 | $ 125,000 |
| Lake County Ohio | 108 | $ 24,893,000 | $ 230,000 | $ 134,000 |
| Geauga County Ohio | 88 | $ 22,095,000 | $ 251,000 | $ 160,000 |
| Huron County Ohio | 88 | $ 7,941,000 | $ 90,000 | $ 70,000 |
| Franklin County Ohio | 87 | $ 14,884,000 | $ 171,000 | $ 135,000 |
| Portage County Ohio | 86 | $ 16,273,000 | $ 189,000 | $ 113,000 |
| Beaver County Pennsylvania | 77 | $ 8,496,000 | $ 110,000 | $ 82,000 |
| Seneca County Ohio | 72 | $ 6,887,000 | $ 95,000 | $ 60,000 |
| Medina County Ohio | 71 | $ 16,592,000 | $ 233,000 | $ 145,000 |
| Erie County Ohio | 65 | $ 7,483,000 | $ 115,000 | $ 86,000 |
| Hamilton County Ohio | 55 | $ 15,622,000 | $ 284,000 | $ 146,000 |
| Sandusky County Ohio | 52 | $ 4,657,000 | $ 89,000 | $ 62,000 |
| Delaware County Ohio | 42 | $ 11,967,000 | $ 284,000 | $ 233,000 |
| Richland County Ohio | 33 | $ 3,824,000 | $ 115,000 | $ 70,000 |
| Union County Ohio | 33 | $ 5,280,000 | $ 160,000 | $ 103,000 |
| Ashland County Ohio | 32 | $ 2,490,000 | $ 77,000 | $ 59,000 |
| Hancock County Ohio | 28 | $ 3,161,000 | $ 112,000 | $ 67,000 |
| Hamilton County Indiana | 27 | $ 7,253,000 | $ 268,000 | $ 191,000 |
| Lawrence County Pennsylvania | 27 | $ 2,279,000 | $ 84,000 | $ 107,000 |
| Allegheny County Pennsylvania | 25 | $ 4,637,000 | $ 185,000 | $ 130,000 |
| Monroe County Florida | 22 | $ 7,599,000 | $ 345,000 | $ 410,000 |
| Lorain County Ohio | 21 | $ 3,601,000 | $ 171,000 | $ 70,000 |
| Lucas County Ohio | 21 | $ 3,698,000 | $ 176,000 | $ 113,000 |
| Wayne County Ohio | 21 | $ 2,619,000 | $ 124,000 | $ 93,000 |
| Fairfield County Ohio | 19 | $ 3,455,000 | $ 181,000 | $ 122,000 |
| St. Joseph County Indiana | 15 | $ 1,550,000 | $ 103,000 | $ 79,000 |
| Lee County Florida | 13 | $ 3,819,000 | $ 293,000 | $ 237,000 |
| Butler County Ohio | 13 | $ 2,781,000 | $ 213,000 | $ 138,000 |
| Wood County Ohio | 13 | $ 2,200,000 | $ 169,000 | $ 172,000 |
| Ottawa County Ohio | 12 | $ 2,203,000 | $ 183,000 | $ 141,000 |
| Mercer County Pennsylvania | 11 | $ 1,520,000 | $ 138,000 | $ 124,000 |
| Ashtabula County Ohio | 10 | $ 1,126,000 | $ 112,000 | $ 188,000 |
| Champaign County Ohio | 10 | $ 788,000 | $ 78,000 | $ 84,000 |
| Clermont County Ohio | 10 | $ 1,959,000 | $ 195,000 | $ 106,000 |
| Clinton County Ohio | 10 | $ 704,000 | $ 70,000 | $ 54,000 |
| Elkhart County Indiana | 9 | $ 954,000 | $ 106,000 | $ 60,000 |
| Greene County Ohio | 8 | $ 1,531,000 | $ 191,000 | $ 122,000 |
| Butler County Pennsylvania | 8 | $ 1,472,000 | $ 184,000 | $ 77,000 |
| Westmoreland County Pennsylvania | 8 | $ 1,840,000 | $ 230,000 | $ 112,000 |
| Muskingum County Ohio | 7 | $ 1,318,000 | $ 188,000 | $ 95,000 |
| Collier County Florida | 6 | $ 2,664,000 | $ 444,000 | $ 505,000 |
| Allen County Indiana | 6 | $ 899,000 | $ 149,000 | $ 86,000 |
| Dearborn County Indiana | 6 | $ 1,019,000 | $ 169,000 | $ 121,000 |
| Marion County Indiana | 6 | $ 971,000 | $ 161,000 | $ 101,000 |
| Logan County Ohio | 6 | $ 742,000 | $ 123,000 | $ 69,000 |
| Charlotte County Florida | 5 | $ 902,000 | $ 180,000 | $ 66,000 |
| Licking County Ohio | 5 | $ 1,504,000 | $ 300,000 | $ 111,000 |
| Tuscarawas County Ohio | 5 | $ 499,000 | $ 99,000 | $ 53,000 |
| Warren County Ohio | 5 | $ 644,000 | $ 128,000 | $ 70,000 |
| Washington County Pennsylvania | 5 | $ 1,217,000 | $ 243,000 | $ 104,000 |
| Sarasota County Florida | 4 | $ 1,459,000 | $ 364,000 | $ 189,000 |
| Cass County Michigan | 4 | $ 979,000 | $ 244,000 | $ 149,000 |
| Carroll County Ohio | 4 | $ 816,000 | $ 204,000 | $ 116,000 |
| Hardin County Ohio | 4 | $ 352,000 | $ 88,000 | $ 72,000 |
| Madison County Ohio | 4 | $ 854,000 | $ 213,000 | $ 166,000 |
| Pickaway County Ohio | 4 | $ 657,000 | $ 164,000 | $ 70,000 |
| Wyandot County Ohio | 4 | $ 686,000 | $ 171,000 | $ 65,000 |
| Berkeley County South Carolina | 4 | $ 798,000 | $ 199,000 | $ 86,000 |
| Charleston County South Carolina | 4 | $ 1,218,000 | $ 304,000 | $ 115,000 |
| Broward County Florida | 3 | $ 670,000 | $ 223,000 | $ 88,000 |
| Ripley County Indiana | 3 | $ 475,000 | $ 158,000 | $ 67,000 |
| Boone County Kentucky | 3 | $ 522,000 | $ 174,000 | $ 131,000 |
| Buncombe County North Carolina | 3 | $ 866,000 | $ 288,000 | $ 130,000 |
| Highland County Ohio | 3 | $ 477,000 | $ 159,000 | $ 69,000 |
| Jefferson County Ohio | 3 | $ 422,000 | $ 140,000 | $ 52,000 |
| Miami County Ohio | 3 | $ 477,000 | $ 159,000 | $ 66,000 |
| Morrow County Ohio | 3 | $ 483,000 | $ 161,000 | $ 70,000 |
| Perry County Ohio | 3 | $ 522,000 | $ 174,000 | $ 83,000 |
| Ross County Ohio | 3 | $ 320,000 | $ 106,000 | $ 86,000 |
| Hancock County West Virginia | 3 | $ 161,000 | $ 53,000 | $ 34,000 |
| Leon County Florida | 2 | $ 394,000 | $ 197,000 | $ 87,000 |
| Miami-Dade County Florida | 2 | $ 341,000 | $ 170,000 | $ 153,000 |
| Pasco County Florida | 2 | $ 263,000 | $ 131,000 | $ 265,000 |
| Pinellas County Florida | 2 | $ 1,044,000 | $ 522,000 | $ 87,000 |
| Boone County Indiana | 2 | $ 1,284,000 | $ 642,000 | $ 620,000 |
| Franklin County Indiana | 2 | $ 166,000 | $ 83,000 | $ 106,000 |
| Kosciusko County Indiana | 2 | $ 154,000 | $ 77,000 | $ 57,000 |
| Monroe County Michigan | 2 | $ 203,000 | $ 101,000 | $ 99,000 |
| Adams County Ohio | 2 | $ 200,000 | $ 100,000 | $ 90,000 |
| Allen County Ohio | 2 | $ 463,000 | $ 231,000 | $ 187,000 |
| Auglaize County Ohio | 2 | $ 275,000 | $ 137,000 | $ 50,000 |
| Crawford County Ohio | 2 | $ 83,000 | $ 41,000 | $ 37,000 |
| Holmes County Ohio | 2 | $ 244,000 | $ 122,000 | $ 75,000 |
| Marion County Ohio | 2 | $ 139,000 | $ 69,000 | $ 59,000 |
| Scioto County Ohio | 2 | $ 598,000 | $ 299,000 | $ 372,000 |
| Richland County South Carolina | 2 | $ 169,000 | $ 84,000 | $ 55,000 |
| Brevard County Florida | 1 | $ 159,000 | $ 159,000 | $ 257,000 |
| Clay County Florida | 1 | $ 58,000 | $ 58,000 | $ 38,000 |
| Lake County Florida | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Levy County Florida | 1 | $ 405,000 | $ 405,000 | $ 135,000 |
| Manatee County Florida | 1 | $ 243,000 | $ 243,000 | $ 143,000 |
| Palm Beach County Florida | 1 | $ 1,125,000 | $ 1,125,000 | $ 1,116,000 |
| Polk County Florida | 1 | $ 238,000 | $ 238,000 | $ 101,000 |
| St. Johns County Florida | 1 | $ 385,000 | $ 385,000 | $ 34,000 |
| St. Lucie County Florida | 1 | $ 100,000 | $ 100,000 | $ 155,000 |
| Sumter County Florida | 1 | $ 145,000 | $ 145,000 | $ 199,000 |
| Volusia County Florida | 1 | $ 378,000 | $ 378,000 | $ 150,000 |
| Brown County Indiana | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Delaware County Indiana | 1 | $ 57,000 | $ 57,000 | $ 72,000 |
| Hendricks County Indiana | 1 | $ 304,000 | $ 304,000 | $ 132,000 |
| Marshall County Indiana | 1 | $ 336,000 | $ 336,000 | $ 102,000 |
| Morgan County Indiana | 1 | $ 151,000 | $ 151,000 | $ 80,000 |
| Pulaski County Indiana | 1 | $ 362,000 | $ 362,000 | $ 405,000 |
| Whitley County Indiana | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Benzie County Michigan | 1 | $ 464,000 | $ 464,000 | $ 150,000 |
| Jackson County Michigan | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Wexford County Michigan | 1 | $ 176,000 | $ 176,000 | $ 105,000 |
| Guilford County North Carolina | 1 | $ 304,000 | $ 304,000 | $ 97,000 |
| Macon County North Carolina | 1 | $ 400,000 | $ 400,000 | $ 144,000 |
| McDowell County North Carolina | 1 | $ 198,000 | $ 198,000 | $ 15,000 |
| Mecklenburg County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 29,000 |
| New Hanover County North Carolina | 1 | $ 247,000 | $ 247,000 | $ 117,000 |
| Orange County North Carolina | 1 | $ 1,689,000 | $ 1,689,000 | $ 1,336,000 |
| Surry County North Carolina | 1 | $ 217,000 | $ 217,000 | $ 75,000 |
| Clark County Ohio | 1 | $ 171,000 | $ 171,000 | $ 34,000 |
| Fayette County Ohio | 1 | $ 206,000 | $ 206,000 | $ 92,000 |
| Fulton County Ohio | 1 | $ 333,000 | $ 333,000 | $ 98,000 |
| Guernsey County Ohio | 1 | $ 114,000 | $ 114,000 | $ 27,000 |
| Montgomery County Ohio | 1 | $ 143,000 | $ 143,000 | $ 47,000 |
| Paulding County Ohio | 1 | $ 198,000 | $ 198,000 | $ 96,000 |
| Pike County Ohio | 1 | $ 182,000 | $ 182,000 | $ 75,000 |
| Preble County Ohio | 1 | $ 68,000 | $ 68,000 | $ 143,000 |
| Dauphin County Pennsylvania | 1 | $ 174,000 | $ 174,000 | $ 92,000 |
| Fayette County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Greene County Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 69,000 |
| Lancaster County Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 48,000 |
| Anderson County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 100,000 |
| Dorchester County South Carolina | 1 | $ 260,000 | $ 260,000 | $ 124,000 |
| Fairfield County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 67,000 |
| Greenville County South Carolina | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Horry County South Carolina | 1 | $ 89,000 | $ 89,000 | $ 235,000 |
| Laurens County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Lexington County South Carolina | 1 | $ 330,000 | $ 330,000 | $ 97,000 |
| Oconee County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 180,000 |
| Spartanburg County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for The Home Savings And Loan Comp in 2008
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 | 2,566 | $356,059,000 | $138,000 | $3,072,000 | $88,000 | $4,233,000 |
| Refinancing | 1,484 | $235,267,000 | $158,000 | $2,380,000 | $100,000 | $2,000,000 |
| Home Improvement | 170 | $13,355,000 | $78,000 | $1,689,000 | $80,000 | $1,336,000 |
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 | 3,577 | $501,416,000 | $140,000 | $1,689,000 | $91,000 | $4,233,000 |
| Not Provided | 353 | $62,979,000 | $178,000 | $2,000,000 | $135,000 | $1,785,000 |
| Black or African American | 125 | $10,312,000 | $82,000 | $410,000 | $58,000 | $313,000 |
| Hispanic | 108 | $8,603,000 | $79,000 | $417,000 | $46,000 | $185,000 |
| Asian | 28 | $5,996,000 | $214,000 | $647,000 | $108,000 | $269,000 |
| Not applicable | 18 | $13,600,000 | $755,000 | $3,072,000 | $35,000 | $386,000 |
| American Indian or Alaskan Native | 6 | $652,000 | $108,000 | $404,000 | $87,000 | $148,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,123,000 | $224,000 | $625,000 | $100,000 | $280,000 |
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) | 4,161 | $598,801,000 | $143,000 | $3,072,000 | $93,000 | $4,233,000 |
| FHA-insured (Federal Housing Administration) | 34 | $4,009,000 | $117,000 | $250,000 | $51,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $1,871,000 | $74,000 | $153,000 | $35,000 | $58,000 |
| 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 | 2,361 | $360,631,000 | $152,000 | $3,072,000 | $105,000 | $4,233,000 |
| Application Denied By Financial Institution | 619 | $87,919,000 | $142,000 | $1,020,000 | $83,000 | $1,028,000 |
| Preapproval Denied by Financial Institution | 464 | $37,208,000 | $80,000 | $340,000 | $40,000 | $201,000 |
| Application Approved But Not Accepted | 283 | $48,677,000 | $172,000 | $1,032,000 | $113,000 | $1,341,000 |
| Preapproval Approved but not Accepted | 274 | $33,060,000 | $120,000 | $520,000 | $58,000 | $306,000 |
| Application Withdrawn By Applicant | 201 | $32,269,000 | $160,000 | $2,000,000 | $88,000 | $1,336,000 |
| File Closed For Incompleteness | 18 | $4,917,000 | $273,000 | $1,000,000 | $231,000 | $2,000,000 |
| 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 | 312 | $26,271,000 | $84,000 | $580,000 | $48,000 | $632,000 |
| Debt-To-Income Ratio | 278 | $32,678,000 | $117,000 | $970,000 | $45,000 | $300,000 |
| Collateral | 209 | $35,984,000 | $172,000 | $750,000 | $100,000 | $526,000 |
| Other | 84 | $8,524,000 | $101,000 | $396,000 | $87,000 | $347,000 |
| Mortgage Insurance Denied | 35 | $3,421,000 | $97,000 | $299,000 | $55,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 29 | $2,075,000 | $71,000 | $171,000 | $39,000 | $88,000 |
| Credit Application Incomplete | 18 | $2,086,000 | $115,000 | $268,000 | $63,000 | $150,000 |
| Unverifiable Information | 14 | $2,228,000 | $159,000 | $417,000 | $86,000 | $408,000 |
| Employment History | 8 | $633,000 | $79,000 | $160,000 | $37,000 | $62,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Savings And Loan Comp's 2008 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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with aggregated HMDA statistics today.