The Home Savings And Loan Comp
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
The Home Savings And Loan Comp 2009 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 | 5,852 |
| Total Mortgage Loan Application Amount | $763,162,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $2,650,000 |
| Average Applicant Income | $79,333 |
| Highest Applicant Income | $2,077,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 1,549 | $ 152,026,000 | $ 98,000 | $ 71,000 |
| Columbiana County Ohio | 557 | $ 49,002,000 | $ 87,000 | $ 67,000 |
| Trumbull County Ohio | 414 | $ 42,901,000 | $ 103,000 | $ 75,000 |
| Cuyahoga County Ohio | 283 | $ 66,193,000 | $ 233,000 | $ 173,000 |
| Summit County Ohio | 277 | $ 51,511,000 | $ 185,000 | $ 117,000 |
| Lake County Ohio | 194 | $ 36,493,000 | $ 188,000 | $ 115,000 |
| Stark County Ohio | 190 | $ 28,540,000 | $ 150,000 | $ 89,000 |
| Huron County Ohio | 189 | $ 16,671,000 | $ 88,000 | $ 62,000 |
| Geauga County Ohio | 171 | $ 45,507,000 | $ 266,000 | $ 157,000 |
| Seneca County Ohio | 164 | $ 14,264,000 | $ 86,000 | $ 68,000 |
| Portage County Ohio | 156 | $ 26,990,000 | $ 173,000 | $ 113,000 |
| Medina County Ohio | 151 | $ 26,466,000 | $ 175,000 | $ 118,000 |
| Sandusky County Ohio | 123 | $ 10,302,000 | $ 83,000 | $ 65,000 |
| Beaver County Pennsylvania | 117 | $ 12,808,000 | $ 109,000 | $ 75,000 |
| Erie County Ohio | 103 | $ 11,376,000 | $ 110,000 | $ 73,000 |
| Ashland County Ohio | 74 | $ 7,196,000 | $ 97,000 | $ 59,000 |
| Richland County Ohio | 61 | $ 6,508,000 | $ 106,000 | $ 62,000 |
| Franklin County Ohio | 59 | $ 11,103,000 | $ 188,000 | $ 118,000 |
| Delaware County Ohio | 43 | $ 11,125,000 | $ 258,000 | $ 145,000 |
| Hamilton County Ohio | 43 | $ 11,600,000 | $ 269,000 | $ 141,000 |
| Hancock County Ohio | 35 | $ 4,427,000 | $ 126,000 | $ 82,000 |
| Ottawa County Ohio | 29 | $ 4,960,000 | $ 171,000 | $ 110,000 |
| Wayne County Ohio | 29 | $ 4,902,000 | $ 169,000 | $ 83,000 |
| Lucas County Ohio | 27 | $ 5,423,000 | $ 200,000 | $ 128,000 |
| Lorain County Ohio | 26 | $ 5,053,000 | $ 194,000 | $ 126,000 |
| Union County Ohio | 24 | $ 4,547,000 | $ 189,000 | $ 115,000 |
| Allegheny County Pennsylvania | 17 | $ 3,000,000 | $ 176,000 | $ 128,000 |
| Warren County Ohio | 16 | $ 3,796,000 | $ 237,000 | $ 104,000 |
| Ashtabula County Ohio | 15 | $ 2,142,000 | $ 142,000 | $ 112,000 |
| Wood County Ohio | 14 | $ 2,462,000 | $ 175,000 | $ 130,000 |
| Wyandot County Ohio | 13 | $ 1,695,000 | $ 130,000 | $ 75,000 |
| Hancock County West Virginia | 11 | $ 543,000 | $ 49,000 | $ 42,000 |
| Lee County Florida | 10 | $ 2,381,000 | $ 238,000 | $ 186,000 |
| Lawrence County Pennsylvania | 9 | $ 794,000 | $ 88,000 | $ 65,000 |
| Hamilton County Indiana | 8 | $ 2,286,000 | $ 285,000 | $ 119,000 |
| Licking County Ohio | 8 | $ 2,511,000 | $ 313,000 | $ 47,000 |
| Butler County Ohio | 7 | $ 1,105,000 | $ 157,000 | $ 125,000 |
| Fairfield County Ohio | 7 | $ 1,402,000 | $ 200,000 | $ 85,000 |
| Carroll County Ohio | 6 | $ 714,000 | $ 119,000 | $ 57,000 |
| Jefferson County Ohio | 6 | $ 602,000 | $ 100,000 | $ 61,000 |
| Butler County Pennsylvania | 6 | $ 1,058,000 | $ 176,000 | $ 103,000 |
| Mercer County Pennsylvania | 6 | $ 1,194,000 | $ 199,000 | $ 166,000 |
| Collier County Florida | 5 | $ 1,503,000 | $ 300,000 | $ 215,000 |
| Boone County Indiana | 5 | $ 1,750,000 | $ 350,000 | $ 193,000 |
| St. Joseph County Indiana | 5 | $ 825,000 | $ 165,000 | $ 106,000 |
| Montgomery County Ohio | 5 | $ 722,000 | $ 144,000 | $ 98,000 |
| Tuscarawas County Ohio | 5 | $ 828,000 | $ 165,000 | $ 120,000 |
| Marion County Indiana | 4 | $ 854,000 | $ 213,000 | $ 124,000 |
| Clermont County Ohio | 4 | $ 977,000 | $ 244,000 | $ 152,000 |
| Crawford County Ohio | 4 | $ 441,000 | $ 110,000 | $ 73,000 |
| Brevard County Florida | 3 | $ 408,000 | $ 136,000 | $ 92,000 |
| Mecklenburg County North Carolina | 3 | $ 416,000 | $ 138,000 | $ 76,000 |
| Fulton County Ohio | 3 | $ 440,000 | $ 146,000 | $ 74,000 |
| Knox County Ohio | 3 | $ 414,000 | $ 138,000 | $ 88,000 |
| Logan County Ohio | 3 | $ 509,000 | $ 169,000 | $ 59,000 |
| Madison County Ohio | 3 | $ 645,000 | $ 215,000 | $ 140,000 |
| Morrow County Ohio | 3 | $ 267,000 | $ 89,000 | $ 55,000 |
| Pickaway County Ohio | 3 | $ 407,000 | $ 135,000 | $ 97,000 |
| Washington County Pennsylvania | 3 | $ 351,000 | $ 117,000 | $ 81,000 |
| Manatee County Florida | 2 | $ 200,000 | $ 100,000 | $ 171,000 |
| Sarasota County Florida | 2 | $ 416,000 | $ 208,000 | $ 197,000 |
| St. Johns County Florida | 2 | $ 533,000 | $ 266,000 | $ 81,000 |
| Allen County Indiana | 2 | $ 490,000 | $ 245,000 | $ 96,000 |
| Whitley County Indiana | 2 | $ 315,000 | $ 157,000 | $ 67,000 |
| Lenawee County Michigan | 2 | $ 645,000 | $ 322,000 | $ 124,000 |
| Wake County North Carolina | 2 | $ 382,000 | $ 191,000 | $ 86,000 |
| Clinton County Ohio | 2 | $ 373,000 | $ 186,000 | $ 75,000 |
| Coshocton County Ohio | 2 | $ 440,000 | $ 220,000 | $ 64,000 |
| Hardin County Ohio | 2 | $ 32,000 | $ 16,000 | $ 56,000 |
| Highland County Ohio | 2 | $ 335,000 | $ 167,000 | $ 56,000 |
| Miami County Ohio | 2 | $ 245,000 | $ 122,000 | $ 170,000 |
| Cumberland County Pennsylvania | 2 | $ 314,000 | $ 157,000 | $ 190,000 |
| Charleston County South Carolina | 2 | $ 411,000 | $ 205,000 | $ 117,000 |
| Pima County Arizona | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Alachua County Florida | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Broward County Florida | 1 | $ 176,000 | $ 176,000 | $ 49,000 |
| Flagler County Florida | 1 | $ 151,000 | $ 151,000 | $ 78,000 |
| Marion County Florida | 1 | $ 204,000 | $ 204,000 | $ 91,000 |
| Martin County Florida | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Palm Beach County Florida | 1 | $ 100,000 | $ 100,000 | $ 184,000 |
| Pinellas County Florida | 1 | $ 120,000 | $ 120,000 | $ 197,000 |
| Polk County Florida | 1 | $ 131,000 | $ 131,000 | $ 63,000 |
| Seminole County Florida | 1 | $ 112,000 | $ 112,000 | $ 83,000 |
| Brown County Indiana | 1 | $ 248,000 | $ 248,000 | $ 400,000 |
| Dearborn County Indiana | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Elkhart County Indiana | 1 | $ 400,000 | $ 400,000 | $ 127,000 |
| Hancock County Indiana | 1 | $ 121,000 | $ 121,000 | $ 12,000 |
| Montgomery County Indiana | 1 | $ 138,000 | $ 138,000 | $ 81,000 |
| Ripley County Indiana | 1 | $ 236,000 | $ 236,000 | $ 54,000 |
| Steuben County Indiana | 1 | $ 264,000 | $ 264,000 | $ 160,000 |
| Cass County Michigan | 1 | $ 122,000 | $ 122,000 | $ 52,000 |
| Cheboygan County Michigan | 1 | $ 125,000 | $ 125,000 | $ 156,000 |
| Cabarrus County North Carolina | 1 | $ 168,000 | $ 168,000 | $ 69,000 |
| Haywood County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 38,000 |
| McDowell County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 17,000 |
| Orange County North Carolina | 1 | $ 1,335,000 | $ 1,335,000 | $ 1,707,000 |
| Brown County Ohio | 1 | $ 504,000 | $ 504,000 | $ 135,000 |
| Champaign County Ohio | 1 | $ 175,000 | $ 175,000 | $ 117,000 |
| Fayette County Ohio | 1 | $ 305,000 | $ 305,000 | $ 111,000 |
| Guernsey County Ohio | 1 | $ 144,000 | $ 144,000 | $ 203,000 |
| Holmes County Ohio | 1 | $ 76,000 | $ 76,000 | $ 72,000 |
| Scioto County Ohio | 1 | $ 234,000 | $ 234,000 | $ 131,000 |
| Van Wert County Ohio | 1 | $ 367,000 | $ 367,000 | $ 208,000 |
| Washington County Ohio | 1 | $ 117,000 | $ 117,000 | $ 45,000 |
| Cambria County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 9,000 |
| Luzerne County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Anderson County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Horry County South Carolina | 1 | $ 132,000 | $ 132,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for The Home Savings And Loan Comp in 2009
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 | 3,692 | $522,167,000 | $141,000 | $978,000 | $92,000 | $1,437,000 |
| Home Purchase | 1,779 | $224,949,000 | $126,000 | $2,650,000 | $80,000 | $1,707,000 |
| Home Improvement | 381 | $16,046,000 | $42,000 | $998,000 | $66,000 | $2,077,000 |
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 | 5,043 | $638,019,000 | $126,000 | $1,335,000 | $85,000 | $2,077,000 |
| Not Provided | 555 | $98,080,000 | $176,000 | $2,650,000 | $114,000 | $1,598,000 |
| Black or African American | 117 | $10,220,000 | $87,000 | $720,000 | $62,000 | $396,000 |
| Hispanic | 92 | $7,499,000 | $81,000 | $512,000 | $48,000 | $471,000 |
| Asian | 34 | $5,657,000 | $166,000 | $500,000 | $150,000 | $763,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,871,000 | $267,000 | $625,000 | $149,000 | $280,000 |
| Not applicable | 3 | $1,681,000 | $560,000 | $816,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $72,000 | $72,000 |
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) | 5,752 | $752,078,000 | $130,000 | $2,650,000 | $87,000 | $2,077,000 |
| FHA-insured (Federal Housing Administration) | 96 | $10,780,000 | $112,000 | $300,000 | $51,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $244,000 | $81,000 | $136,000 | $30,000 | $48,000 |
| VA-guaranteed (Veterans Administration) | 1 | $60,000 | $60,000 | $60,000 | $27,000 | $27,000 |
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 | 3,878 | $521,626,000 | $134,000 | $1,335,000 | $94,000 | $2,077,000 |
| Application Denied By Financial Institution | 870 | $108,837,000 | $125,000 | $990,000 | $75,000 | $1,072,000 |
| Preapproval Denied by Financial Institution | 367 | $28,193,000 | $76,000 | $425,000 | $36,000 | $312,000 |
| Application Withdrawn By Applicant | 310 | $41,309,000 | $133,000 | $2,650,000 | $85,000 | $1,598,000 |
| Application Approved But Not Accepted | 302 | $45,367,000 | $150,000 | $675,000 | $94,000 | $518,000 |
| Preapproval Approved but not Accepted | 110 | $14,559,000 | $132,000 | $450,000 | $65,000 | $250,000 |
| File Closed For Incompleteness | 15 | $3,271,000 | $218,000 | $720,000 | $122,000 | $740,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 270 | $49,205,000 | $182,000 | $990,000 | $99,000 | $1,072,000 |
| Debt-To-Income Ratio | 251 | $28,997,000 | $115,000 | $630,000 | $43,000 | $472,000 |
| Credit History | 211 | $17,593,000 | $83,000 | $425,000 | $45,000 | $251,000 |
| Other | 115 | $14,170,000 | $123,000 | $842,000 | $68,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $2,004,000 | $77,000 | $338,000 | $39,000 | $121,000 |
| Unverifiable Information | 23 | $3,986,000 | $173,000 | $680,000 | $82,000 | $407,000 |
| Credit Application Incomplete | 15 | $2,707,000 | $180,000 | $417,000 | $132,000 | $492,000 |
| Employment History | 13 | $1,239,000 | $95,000 | $225,000 | $40,000 | $86,000 |
| Mortgage Insurance Denied | 8 | $848,000 | $106,000 | $288,000 | $67,000 | $150,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Home Savings And Loan Comp's 2009 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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